SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 10-K


[X]  ANNUAL REPORT  PURSUANT TO SECTION 13 or 15(d) OF THE  SECURITIES  EXCHANGE
     ACT OF 1934 [FEE REQUIRED] For the Fiscal Year ended December 31, 2000

[ ]  TRANSITION  REPORT  PURSUANT  TO SECTION  13 OR 15(d) OF THE  SECURITIES
     EXCHANGE ACT OF 1934 [NO FEE REQUIRED] For the Transition Period from to

                         Commission File Number 2-40764


                       KANSAS CITY LIFE INSURANCE COMPANY
             (Exact Name of Registrant as Specified in its Charter)


               Missouri                                        44-0308260
    (State or Other Jurisdiction of                         (I.R.S. Employer
     Incorporation or Organization)                      Identification Number)


  3520 Broadway, Kansas City, Missouri                         64111-2565
(Address of Principal Executive Offices)                       (Zip Code)


        Registrant's Telephone Number, including Area Code: 816-753-7000


           SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:

                            Name of Each Exchange on
             Title of Each Class                  Which Registered

                    None                                 None

           SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT:

                                        None
                                (Title of Class)


     Indicate by check mark if disclosure of delinquent  filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained, to the
best of Registrant's  knowledge,  in definitive proxy or information  statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [X]

     Indicate  by check mark  whether the  Registrant  (1) has filed all reports
re-quired to be filed by Section 13 or 15(d) of the  Securities  Exchange Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
Registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days.

                                    Yes X No

     As of March 15, 2001,  12,034,687 shares of the Company's capital stock par
value $1.25 were outstanding, and the aggregate market value of the common stock
(based upon the average bid and asked  price  according  to Company  records) of
Kansas City Life  Insurance  Company held by  non-affiliates  was  approximately
$139,921,018.



Part II


                       Documents Incorporated by Reference

Item 5:   Market for Registrant's Common          Page 44 of Annual Report to
          Equity and Related Stockholder          Shareholders for the year
          Matters.                                ended December 31, 2000.

Item 6:   Selected Financial Data.                Page 24 of Annual Report to
                                                  Shareholders for the year
                                                  ended December 31, 2000.

Item 7:   Management's Discussion                 Pages 22 through 27 of Annual
          and Analysis of Financial               Report to Shareholders for
          Condition and Results of                the year ended December 31,
          Operations.                             2000.

Item 7A:  Quantitative and Qualitative            Pages 25 through 27 of Annual
          Disclosures about Market Risk           Report to Shareholders for
                                                  the year ended December 31,
                                                  2000.

Item 8:   Financial Statements and                Pages 28 through 43 of Annual
          Supplementary Data.                     Report to Shareholders for the
                                                  year ended December 31, 2000.



Part IV

Index to Exhibits                                  Page 20


                                     PART I


Item 1.  BUSINESS

     Kansas  City  Life  Insurance  Company  (KCL)  was  incorporated  under the
assess-ment laws of Missouri in 1895 as the Bankers Life  Association.  In 1900,
its  present  corporate  title was  adopted  and it was  reorganized  as a legal
reserve company in 1903. The Company operates  nationwide,  being licensed in 48
states and the District of Columbia.

     The Company primarily operates in four business segments:  Kansas City Life
Insurance Company, divided between its individual and group businesses,  and its
two insurance affiliates,  Sunset Life Insurance Company of America (Sunset) and
Old  American  Insurance  Company  (Old  American).  KCL markets its  individual
products, principally interest sensitive and variable products, through a career
general  agency  sales force and these  products  generate  41% of  consolidated
insur-ance  revenues.  Variable  universal life and annuities totaled 65% of new
statutory  premiums in 2000. The group  products,  largely life,  disability and
administrative  services  only,  are sold through the general agency sales force
and  appointed  group  agents.  Group  revenues  account  for  21% of  insurance
revenues.   Sunset  markets  interest  sensitive  and  traditional  products  to
individuals through a personal pro-ducing general agency system. Sunset operates
in 40 states and is in the process of filing for admission to operate in most of
the remaining  states.  This segment provides 10% of revenues.  The Old American
segment  markets whole life final expense  products to seniors through a general
agency sales force.  Old American  operates in 46 states and accounts for 28% of
consolidated insurance revenues.

     Old American and Sunset's  administrative  operations are merged into KCL's
home office and its administrative and accounting systems.  However, each entity
operates a separate and independent marketing department and field force.

     KCL and its subsidiaries  are subject to state  regulations in their states
of domicile  and in the states in which they do  business.  Although the federal
govern-ment  generally  does not  regulate the  business of  insurance,  federal
initiatives  often have an impact on the business in a variety of ways including
the taxation of insurance companies and the tax treatment of insurance products.

     KCL and its subsidiaries  have 633 full time employees  located in the home
office.

     The Company is engaged in a competitive  industry,  competing with 1,500 to
2,000 other life  insurance  companies  in the United  States.  The  industry is
highly competitive with respect to pricing, selection of products and quality of
service.  No single competitor nor any small group of competitors  dominates any
of the markets in which the Company operates.


Item 2.  PROPERTIES

     Kansas City Life's home office is located at 3520  Broadway in Kansas City,
Missouri.  The Company owns and wholly  occupies two five story  buildings on an
eight acre site.

     The Company owns various other properties held for investment.


Item 3.  LEGAL PROCEEDINGS

     In recent years, the life insurance industry, including the Company and its
subsidiaries,  have been subject to an increase in litigation  pursued on behalf
of  purported  classes  of  insurance  purchasers,  questioning  the  conduct of
insurers in the  marketing  of their  products.  The Company  believes  that the
actions  described  below  are  part of  this  trend.  The  Company  denies  all
allegations  of  wrongdoing  in  these  lawsuits,  and has been  defending  them
vigorously.

     David Bahr, et al, v. Kansas City Life Insurance  Company,  Frank Sherlock,
et al, San Bernardino County,  California  Superior Court, Case No. SCVSS 58192.
This case concerns life insurance  policies and annuities sold by the Company to
David Bahr's  now-deceased  father,  John Bahr. The Bahrs claim that the elderly
John Bahr was fraudulently misled into purchasing insurance products from Kansas
City Life by the involved insurance agents. The Bahrs also claim John Bahr was a
victim of elder abuse under  California  Welfare and  Institutions  Code Section
15610.30.   The  Bahrs,   as  "private   attorneys   general",   also  allege  a
representative  cause of action under California Code Section 17200 on behalf of
the California  general  public  against the Company,  alleging that the Company
engaged in fraud-  ulent  insurance  sales and  marketing  practices  and unfair
business practices,  including improper replacement  transactions,  and that the
Company must disgorge all so-called ill-gotten gains. A fourth amended complaint
was filed on October 30,  2000.  The fourth  amended  complaint  adds a cause of
action for breach of an alleged  settlement  agreement  to resolve  the case for
$200,000.  The case is set for trial in June, 2001. The Company does not believe
there is an enforceable settlement agreement. Management denies the allegations,
including  the  existence of a legitimate  class and the  existence of a uniform
unfair business  practice  capable of resolution under Section 17200 and intends
to defend this matter  vigorously.  Although no  assurances  can be given and no
determination  can be made at this time as to the  outcome  of this  litigation,
management  believes that the relief  ultimately  granted to the plaintiffs,  if
any,  would  have no  material  effect on the  Company's  business,  results  of
operations and financial position.

     In the previously reported case of Bette Schwager, On Behalf of Herself and
All Others  Similarly  Situated v. Kansas City Life  Insurance  Company,  United
States District Court for the Western District of Texas,  Austin Division,  Case
No.  A-00-CA-424-JN.  Originally filed in the 345th Judicial  District Court for
Travis  County,  Texas on June 8, 2000 as Case No.  GN-001652.  On the Company's
motion, the case was removed to the United States District Court for the Western
District of Texas.  Plaintiff  alleges  fraud,  fraudulent  concealment,  unfair
dis-crimination,  breach  of  contract,  breach of  fiduciary  duty/constructive
fraud,  and  negligent  misrepresentation  in  connection  with the sale of life
insurance  policies to herself  and to her  husband and to all others  similarly
situated.  Plaintiff  alleges that the Company  through its agents  engaged in a
state-wide fraudulent scheme and common course of conduct and seeks to certify a
class composed of all persons and entities who have or had an ownership interest
in one or more of the  Company's  permanent  policies  from and after January 1,
1986 to the present. In November, 2000, Mrs. Schwager alleged that the attorneys
who filed the petition did so without her consent.  The  attorneys who filed the
petition have  withdrawn  and Mrs.  Schwager is  proceeding  pro se.  Management
denies  the  allegations  of  the  complaint  including  the  existence  of  the
certifiable  class and  intends  to defend  this case  vigorously.  Although  no
assurances can be given and no determinations can be made at this time as to the
outcome of this  litigation,  management  believes  that the  relief  ultimately
granted to the plaintiff, if any, would have no material effect on the Company's
business, results of operations and financial position.

     The previously  reported case of Stewart,  et al, v. Security  Benefit Life
Insurance Company and Bank Market Service, Inc., filed in November,  1998 in the
Tenth Judicial District Court of Johnson County, Kansas, Case No. 98-C04036, has
been  settled.  The  Company  defended  this  case  pursuant  to the  terms of a
coin-surance  agreement with Security Benefit Life Insurance  Company (SBL). The
case was  originally  brought by four SBL  policyowners  who  alleged  that SBL,
through its agent,  Bank Market  Service,  Inc.,  improperly sold life insurance
policies as retirement plans.  Following the trial court's denial of plaintiffs'
motion to certify a class  comprised  of all persons who had  purchased  similar
policies  between 1977 and 1988,  the Company  settled with the four  individual
plaintiffs for nominal amounts.



     In the previously reported case of Wilner v. Sunset Life Insurance Company,
Dean Delevie, et al, California  Superior Court, Case No. SC051573,  filed March
9, 1998 in Los Angeles  Superior  Court,  plaintiff  sued Sunset Life  Insurance
Company,  a subsidiary,  and one of its agents for unspecified  compensatory and
punitive damages alleging various forms of deceit, breach of fiduciary duty, and
negligence in connection with the sale of a universal life insurance policy as a
replacement  for an existing  policy.  Subsequently,  the plaintiff  amended her
complaint  to seek class  action  status and to add a claim  under  California's
Business  and  Professions  Code  Section  17200  which  authorizes   individual
plaintiffs  to sue on behalf of the  public to remedy  alleged  unfair  business
practices,  and to seek  declaratory  and injunctive  relief.  Sunset obtained a
dismissal  of  the  breach  of  fiduciary   duty  claim  and  the  class  action
allegations,   but  the  trial  court  refused  to  dismiss  the  Section  17200
allegations.  All parties  appealed and the court of appeals refused to overrule
the trial  court's  failure to dismiss the Section 17200 claims and remanded the
case for further  discovery and proof  regarding  the class action  allegations.
Extensive  discovery has been conducted.  In the course of discovery,  the court
has  ordered  the  disclosure  of the  names of all  individuals  who  purchased
universal life insurance  policies from Sunset in replacement  transactions from
1984 to the present and of all individuals who purchased  Sunset  universal life
policies  during  that  period and whose  policies  became  under-funded.  These
individuals are currently being contacted, pursuant to court order, to determine
whether  they are  willing to discuss  this action  with  counsel for  plaintiff
and/or  counsel  for Sunset and it is  expected  that this  contact  will create
further  litigation.  Plaintiff has filed a motion for  certification as a class
action and the hearing is  presently  scheduled  on that  motion for May,  2001.
Management denies the allegations, including the existence of a legitimate class
and the existence of a uniform unfair  business  practice  capable of resolution
under Section 17200 and intends to defend this matter  vigorously.  However,  no
assurances can be given regarding the outcome of this lawsuit.

     In addition to the above,  the Company and its  subsidiaries are defendants
in, or subject to other  claims or legal  actions  that may rise in the ordinary
course of business.  Some of these claims and legal actions are in jurisdictions
where juries sometime award punitive damages grossly  disproportionate to actual
damages.  Although no assurances can be given and no determinations  can be made
at this time,  management  believes  that the ultimate  liability,  if any, with
respect to these other claims and legal actions,  would have no material  effect
on the Company's business, results of operations and financial position.


Item 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

     No matters  were  submitted  to a vote of the  stockholders  of the Company
during the fourth quarter of the fiscal year ended December 31, 2000.


                                                                PART II


Item 5.  MARKET FOR THE REGISTRANT'S COMMON EQUITY AND RELATED
         STOCKHOLDER MATTERS

         Incorporated by Reference.


Item 6.  SELECTED FINANCIAL DATA

         Incorporated by Reference.


Item 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
         CONDITION AND RESULTS OF OPERATION

         Incorporated by Reference.


Item 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES
         ABOUT MARKET RISK

         Incorporated by Reference.


Item 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         Incorporated by Reference.


Item 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON
         ACCOUNTING AND FINANCIAL DISCLOSURE

         Not Applicable.


PART III


Item 10.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

     The  following  information,  as of December  31,  2000,  is provided  with
respect to each Director and Nominee:

                                   Term as
                                   Director                            Served as
                                   Expires       Other Positions       Director
   Name of Director         Age    in April      with the Company        From

William R. Blessing          46       --       None                     Nominee
(1)(2)

Jack D. Hayes (1)(3)         60      2001      Senior Vice President-      1995
                                               Emeritus, Marketing

Cecil R. Miller (1)(2)       66       --       None                     Nominee

Michael J. Ross              59      2001      None                        1972
(1)(2)(4)(5)(6)

Elizabeth T. Solberg         61      2001      None                        1997
(1)(2)

Walter E. Bixby (2)          41      2002      None                        1996

Webb R. Gilmore              56      2002      None                        1990
(2)(4)(5)(6)

Nancy Bixby Hudson (2)       48      2002      None                        1996

Daryl D. Jensen (2)          61      2002      None                        1978


                                   Term as
                                   Director                            Served as
                                   Expires       Other Positions       Director
   Name of Director         Age    in April      with the Company         From

C. John Malacarne            59      2002      Vice President,             1991
(3)(4)                                         General Counsel
                                               and Secretary

J. R. Bixby (3)(4)           75      2003      Chairman of the Board       1957

R. Philip Bixby              47      2003      President, CEO and Vice     1985
(3)(4)                                         Chairman of the Board

Richard L. Finn              59      2003      Senior Vice President,      1983
(3)(4)                                         Finance

Warren J. Hunzicker, M.D.    80      2003      None                        1989
(2)

Larry Winn, Jr.              81      2003      None                        1985
(2)(4)(5)(6)

(1)  Subject  to the  approval  of the  shareholders  at the  annual  meeting of
     share-holders  to be held on April 19,  2001,  will be elected  for a three
     year term ending in 2004.

(2)  Walter E. Bixby was  elected  Assistant  Vice  President  of the Company in
     1985,  Vice  President,   Marketing  in  1990,  Vice  President,  Marketing
     Operations in 1992, and President of Old American,  a subsidiary,  in 1996.
     He also serves as a Director of Sunset Life and Old American, subsidiaries.
     Mr.  Blessing  is  currently  Vice  President,   Business  Development  and
     Strategy,  Sprint PCS, Kansas City,  Missouri, a position he has held since
     1998.  He has been with Sprint and related  entities in various  capacities
     since 1981. Mr. Gilmore is Chairman, CEO and Shareholder of the law firm of
     Gilmore & Bell. Nancy Bixby Hudson has served as a Director of Sunset Life,
     a sub-  sidiary,  since  1986.  Dr.  Hunzicker  was elected by the Board of
     Directors  to an  unexpired  term in  1989.  Dr.  Hunzicker  served  as the
     Company's  Medical  Director  from 1987 to 1989;  he  formerly  served as a
     member of the Company's  Board of Directors  from 1977 to 1980.  Mr. Jensen
     served as President of Sunset Life, a subsidiary of  Registrant,  from 1973
     until his  retirement  in 1999.  Mr.  Jensen serves as a Director of Sunset
     Life and Generations Bank, subsidiaries. Mr. Miller is a retired partner of
     KPMG LLP (formerly Peat, Marwick, Mitchell & Co.) Mr. Miller joined KPMG in
     1957 and became an audit  partner in 1962  specializing  in  insurance  and
     agribusiness.  He retired in 1990.  Mr. Ross has been Chairman of the Board
     of Jefferson Bank and Trust Company, St. Louis,  Missouri,  since 1983. Mr.
     Ross also serves as a Director of  Generations  Bank,  a  subsidiary.  Mrs.
     Solberg    became   a   Regional    President   and   Senior   Partner   of
     Fleishman-Hillard,  Inc., in January,  1998.  She had been  Executive  Vice
     President since 1984. She also serves as a Director  ofGenerations  Bank, a
     subsidiary. Mr. Winn is retired as the Kansas Third District Representative
     to the U.S. Congress.

(3)  See below with respect to the business  experience of executive officers of
     the Company.

(4)  Member of Executive Committee.

(5)  Member of Audit Committee.

(6)  Member of Compensation Committee.


    Name, Age and                           Business Experience
      Position                              During Past 5 Years

J. R. Bixby, 75            Chairman since 1972; President from 1964 until he
Chairman of the Board      retired in April, 1990.  Responsible for overall
                           corporate policy.  Chairman of the Board of Sunset
                           Life and Old American, subsidiaries.

R. Philip Bixby, 47        Elected Assistant Secretary in 1979; Assistant Vice
President, CEO and Vice    President in 1982; Vice President in 1984; Senior
Chairman of the Board      Vice President, Operations in 1990; Executive Vice
                           President in 1996; President and CEO in April,
                           1998;  and Vice Chairman of the Board in January,
                           2000. Director and President of Sunset Life,
                           Director of Old American, and Director of
                           Generations Bank, subsidiaries.

Richard L. Finn, 59        Elected Vice President in 1976; Financial Vice Presi-
Senior Vice President,     dent in 1983; and to present position in 1984.  Chief
Finance                    financial officer and responsible for investment of
                           the Company's funds, accounting and taxes.  Director
                           and Treasurer of Sunset Life, Director, Vice Presi-
                           dent and Chief Financial Officer and Assistant
                           Treasurer of Old American, and Director of
                           Generations Bank, subsidiaries.

Jack D. Hayes, 60          Elected Senior Vice President, Marketing in February,
Senior Vice President-     1994; and to present position in October, 2000.
Emeritus, Marketing        Responsible for Marketing, Marketing Administration,
                           Communications and Public Relations.  Served as
                           Executive Vice President and Chief Marketing Officer
                           of Fidelity Union Life, Dallas, Texas, from June,
                           1981 to January, 1994.

Mark A. Milton, 42         Elected Assistant Actuary in 1984; Assistant Vice
Senior Vice President      President/Associate Actuary in 1987; Vice President/
and Actuary                Associate Actuary in 1989; Vice President and Actuary
                           in January, 2000; and to present position in January,
                           2001.  Responsible for Actuarial Services, State
                           Compliance and Group.  Director, Vice President and
                           Actuary of Sunset Life, a subsidiary.

Michael P. Horton, 58      Elected Director, Group Life/Sales in 1977; Assistant
Vice President, Group      Vice President, Group in 1981; and to present
                           position in 1984.  Responsible for group sales and
                           products.

Robert C. Miller, 54       Elected Assistant Auditor in 1972; Auditor in 1973;
Senior Vice President,     Vice President and Auditor in 1987; and to present
Administrative Services    position in 1991.  Responsible for Human Resources
                           and Administrative Functions.

Charles R. Duffy, Jr., 53  Elected Vice President, Computer Information Services
Senior Vice President,     in 1989; Vice President, Insurance Administration in
Operations                 1992; and to present position in 1996.  Responsible
                           for the Company's Computer Operations, Customer
                           Services, Claims, Agency Administration, New
                           Business, Medical and Underwriting.  Director of
                           Sunset Life and Old American, subsidiaries.

John K. Koetting, 55       Elected Assistant Controller in 1975; and to present
Vice President and         position in 1980.  Chief accounting officer
Controller                 responsible for all corporate accounting reports.
                           Director of Old American, a subsidiary.

    Name, Age and                           Business Experience
      Position                              During Past 5 Years

C. John Malacarne, 59        Elected Associate General Counsel in 1976; General
Vice President, General      Counsel in 1980; Vice President and General Counsel
Counsel and Secretary        in 1981; and to present position in 1991.
                             Responsible for Legal Department, Office of the
                             Secretary, Stock Transfer Department and Market
                             Compliance.  Director and Secretary of Sunset Life,
                             Old American, and Generations Bank, subsidiaries.

(d)  Nancy Bixby  Hudson is the  daughter of J. R.  Bixby;  R. Philip  Bixby and
     Walter E. Bixby are brothers and the nephews of J. R. Bixby.

(e)  See Business Experience During Past 5 Years above.

(f)  There  have  been  no  events  under  any   bankruptcy   act,  no  criminal
     pro-ceedings and no judgments or injunctions  material to the evaluation of
     the ability and  integrity of any  Director,  nominee or executive  officer
     during the past five years.


Item 11.  EXECUTIVE COMPENSATION

         (a)  Compensation

     The following table sets forth  information  concerning  cash  compensation
paid or accrued  by the  Company  and its  subsidiaries  to the Chief  Executive
Officer and the other four most highly  paid  executive  officers as of December
31, 2000 for the fiscal years ending December 31, 2000, 1999 and 1998.


                           SUMMARY COMPENSATION TABLE

                                                    Long Term    Other     All
                           Annual Compensation      Incentive    Annual   Other
                                                    Compensa-   Compen-  Compen-
      Name and                   Salary    Bonus   tion Payouts  sation   sation
 Principal Position      Year      $         $         $           $        $
R. P. Bixby, Presi-      2000    443,700      400      0         7,000    42,287
dent, CEO and Vice       1999    405,180   41,931      0         7,000    26,853
Chairman of the Board,   1998    348,692   77,971      0         7,000    22,857
Kansas City Life;
Director of Sunset
Life, Old American,
and Generations Bank,
subsidiaries.

R. L. Finn, Senior       2000    242,160    9,049      0         7,000    24,904
Vice President,          1999    231,720   22,680      0         7,000    17,650
Finance and Director,    1998    221,712   33,748      0         7,000    17,842
Kansas City Life;
Director of Sunset
Life, Old American,
and Generations Bank,
subsidiaries.            _______________________________________________________

J. D. Hayes, Senior      2000    210,360    4,004      0         4,000    22,986
Vice President-          1999    201,300   39,973      0         4,000    15,275
Emeritus, Marketing,     1998    192,624   71,211      0         4,000    15,621
and Director, Kansas
City Life.               _______________________________________________________


C. R. Duffy, Jr.,        2000    202,020   14,654      0         3,000    18,385
Senior Vice President,   1999    188,760   18,349      0         3,000    12,483
Operations, Kansas City  1998    175,572   31,400      0             0    12,699
Life; Director of Sunset
Life and Old American,
subsidiaries.            _______________________________________________________

C. J. Malacarne, Vice    2000    202,740   14,886      0         7,000    20,809
President, General       1999    193,980   20,403      0         7,000    14,718
Counsel and Secretary    1998    185,592   23,244      0         7,000    14,861
and Director, Kansas
City Life; Director
and Secretary of Sunset
Life, Old American and
Generations Bank, sub-
sidiaries.               _______________________________________________________

                 ALL OTHER COMPENSATION INCLUDES THE FOLLOWING:

     The Company has a contributory Internal Revenue Code Section 401(k) savings
and profit  sharing plan.  Directors and officers who are full time employees of
the Registrant or its subsidiaries  participate in the plan on the same basis as
all other  employees.  Employees may contribute  from 1% to 15% of their monthly
base salary.  Highly  compensated  employees are limited to contributions of 6%.
The Company  contributes  an amount  equal to 50%,  75% or 100% of the  employee
contributions  based on a schedule of years of  employment to a maximum of 6% of
an  employee's  compensation  in the form of capital  stock of the Company.  The
amount contributed to the plan in 2000 for the accounts of the named individuals
are as follows: R. P. Bixby, $10,200; R. L. Finn, $10,200; J. D. Hayes, $10,200;
C. R. Duffy,  Jr.,$10,200;  C. J. Malacarne,  $10,200. The Company has adopted a
nonqualified  deferred compensation plan for approximately 44 highly compensated
officers and employees. It is similar to the Company's 401(k) plan. Participants
contribute  amounts to this plan that they cannot  contribute to the 401(k) plan
up to a total of 15% of their monthly salary and the Company contributes up to a
maximum of 6% of their monthly  salary.  The amount  contributed  to the plan in
2000 for the  accounts of the named  indi-viduals  are as follows:  R. P. Bixby,
$16,422;  R. L. Finn, $4,330; J. D. Hayes,  $2,422; C. R. Duffy, Jr., $1,921; C.
J. Malacarne, $1,964.

     The Company  provides  yearly  renewable term insurance to its employees in
the amount of 2 1/2 times their annual  salary.  Directors  and officers who are
full time  employees  participate  in the program on the same basis as all other
employees.  Premiums paid for the named individuals for 2000 are as follows:  R.
P. Bixby,  $1,907;  R. L. Finn,  $2,866;  J. D. Hayes,  $3,841; C. J. Malacarne,
$2,357.

     The Company has a three year long term  incentive  plan in place for senior
management  that  awards  participants  for the  increase  in the  price  of the
Company's  common  stock  from  January  25,  2000  through  January  24,  2003.
Participants are awarded units (phantom shares) based on their annualized salary
divided by the share price of $32.25 as of January 21, 2000.  At the  conclusion
of the plan,  participants receive awards based on the increase in the per share
price times their number of units.  Participants  are also awarded  dividends on
these  shares   commensurate  with  the  Company's  dividend  policy.   Payments
equivalent to divi- dends received by the named  individuals and included in All
Other Compensation are as follows: R. P. Bixby,  $13,758; R. L. Finn, $7,509; J.
D. Hayes, $6,523; C. R. Duffy, Jr., $6,264; C. J. Malacarne, $6,287.

         (f)  Defined Benefit or Actuarial Plan Disclosure

     The Company has a noncontributory defined benefit pension plan which covers
employees  age 21 and over.  Effective  January 1, 1998,  the  pension  plan was
con-verted  to a cash balance  plan.  Benefits  under the plan will no longer be
determined  primarily by final average  compensation and years of service.  Each
participant's  benefit  accrued  under the prior plan formula as of December 31,
1997 was converted to an opening account balance in the cash balance plan.

     Beginning in 1998,  participants  accumulate  annual pay credits equal to a
percentage  of annual  compensation,  ranging from 3% to 16% based on service of
the  participant.  The cash balance  account is further  credited  with interest
annually which is based on the 30-year treasury bond rate in effect for November
of the prior plan year. Upon  termination of employment,  the account balance as
of such date may be distributed to the  participant in lump sum or annuity form,
at the election of the participant.  Benefits vest according to years of service
after age 18 on a graded  scale,  beginning  with 30% vesting with 3 years,  and
becoming 100% vested with 7 years.  Compensation for determining  benefits under
the plan is equal to base salary, excluding overtime and bonuses.

     Participants  age 55 with 15 years of service as of December  31, 1997 will
receive the greater of the benefit  under the cash  balance  plan,  or the prior
plan  formula  based on final  average  compensation  and years of service.  The
following table illustrates the possible annual pension benefits under the prior
plan formula based upon final  average  compensation  and years of service,  for
these employees. Participants may elect a lump sum distribution.


                                   PENSION PLAN TABLE

Compensation                  Years of Service                           SS**

                      10           20           30           40

  $ 75,000         $ 18,750     $ 37,500     $ 51,390*    $ 51,390*      $17,220
   100,000           25,000       50,000       70,000       71,390*       17,220
   125,000           31,250       62,500       87,500       91,390*       17,220
   150,000           37,500       75,000      105,000      111,390*       17,220
   200,000           50,000      100,000      140,000      151,390*       17,220
   250,000           62,500      125,000      175,000      191,390*       17,220
   300,000           75,000      150,000      210,000      231,390*       17,220
   350,000           87,500      175,000      245,000      271,390*       17,220
   400,000          100,000      200,000      280,000      311,390*       17,220
   450,000          112,500      225,000      315,000      351,390*       17,220
   500,000          125,000      250,000      350,000      391,390*       17,220

*Maximum  pension  based on an estimate of Social  Security
**Estimated  annual Social Security benefit at age 65

     A participant's base salary not to exceed $150,000 (as adjusted for cost of
living) commencing January 1, 1994, was used to determine compensation under the
plan for benefits from the qualified plan. For the individuals named in the Cash
Compensation  Table, the years of service covered by the plan for the year ended
December 31, 2000,  were: R. P. Bixby,  23 years;  R. L. Finn,  27 years;  J. D.
Hayes, 7 years; C. R. Duffy, Jr., 11 years; C. J. Malacarne, 34 years.

     The estimated annual annuity benefit payable starting at normal  retirement
age (age 65) as accrued  through  December  31, 2000 under the cash balance plan
for each of the named individuals are as follows: R. P. Bixby,  $169,454;  R. L.
Finn,  $141,689;  J.  D.  Hayes,  $20,167;  C. R.  Duffy,  Jr.,  $28,574;  C. J.
Malacarne, $136,571.

     The Company has adopted an unfunded  excess  benefit  plan which covers any
employee who is an active  participant in the  non-contributory  defined benefit
pension plan and whose pension  benefit under that plan would exceed the maximum
benefit  limited under  Internal  Revenue Code Section 415. A participant  under
this plan is entitled to a monthly benefit of the difference between the maximum
monthly normal,  early, or deferred vested retirement benefit determined without
regard to the  Internal  Revenue  Code  Section 415  limitation  and the monthly
equivalent  of the maximum  benefit  permitted by Internal  Revenue Code Section
415. Participants may elect a lump sum distribution.

         (g)  Compensation of Directors

     Outside Directors are paid $4,000 quarterly;  $2,000 if they attend Special
Board Meetings; $1,000 if they attend Executive Committee Meetings; $500 if they
attend all other Committee Meetings.  Inside Directors are paid $1,000 quarterly
and $400 if they attend  Special  Board  Meetings.  The Chairman of the Board is
paid $30,000 quarterly. Outside Directors of Sunset Life, a subsidiary, are paid
$1,000 quarterly,  inside Directors are paid $500 quarterly. The Chairman of the
Board is paid  $11,250  quarterly.  Directors  of Old  American  are  paid  $250
quarterly. The Chairman of the Board is paid $6,250 quarterly. Director fees are
included in the Compensation Table.

         (h)  Employment Contracts and Termination of Employment and Change in
              Control Arrangements

     There are no  employment  contracts  between the Company and its  executive
officers.  The Company's benefit plans contain typical provisions  applicable to
all employees for termination of employment.

         (j)  Additional Information with Respect to Compensation Committee

     The members of the Compensation Committee: Webb R. Gilmore, Michael J. Ross
and Larry Winn, Jr.


Item 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS
          AND MANAGEMENT

         (a)  Security Ownership of Certain Beneficial Owners

     The  following  table sets forth  information  as of March 15,  2001,  con-
cerning certain  beneficial  owners of voting  securities of the Company's $1.25
par value capital stock ("common stock"). The common stock is the Company's only
class of voting  securities.  As  described  in the notes to the table set forth
below,  certain  named persons  share the power of voting and  disposition  with
respect to certain shares of common stock.  Consequently,  such shares are shown
as being beneficially owned by more than one person.


                   Name and Address                       Percent of Class

         John K. Koetting, Robert C. Miller
         and Anne C. Moberg, Trustees of the
         Kansas City Life Insurance Company
         Savings and Profit Sharing Plan and
         the Kansas City Life Employee Stock Plan
         3520 Broadway
         Kansas City, MO 64111-2565

         Amount and Nature of Ownership(1)

                  866,512 Shares                              7.2

         WEB Interests, Ltd.
         3520 Broadway
         Kansas City, MO 64111-2565

         Amount and Nature of Ownership(2)

                   2,358,340 Shares                             19.6

         Angeline I. O'Connor
         12501 Granada Lane
         Leawood, KS 66209

         Amount and Nature of Ownership(2)(3)

                   3,080,583 Shares                             25.6

         JRB Interests, Ltd.
         3520 Broadway
         Kansas City, MO 64111-2565

         Amount and Nature of Ownership(4)

                   2,966,312 Shares                             24.6

         Margie Morris Bixby
         3530 Pennsylvania
         Kansas City, MO 64111

         Amount and Nature of Ownership(4)(5)

                   2,968,112 Shares                             24.7

         Lee M. Vogel
         4701 NW 59th Court
         Kansas City, MO 64151

         Amount and Nature of Ownership(4)(6)

                   2,973,410 Shares                             24.7

(1)  Trustees have the power to sell plan assets.  Participants may instruct the
     Trustees how to vote their shares.

(2)  The  WEB  Interests,   Ltd.  is  a  Texas  limited  partnership  (the  "WEB
     Partner-ship").  Each partner of the WEB  Partnership has the power to vote
     that number of shares of Common  Stock owned by the WEB  Partnership  which
     equals such partner's proportionate interest in the WEB Partnership.




(3)  Includes  2,358,340 shares for which Angeline I. O'Connor ("Ms.  O'Connor")
     shares the power of disposition as a co-managing general partner of the WEB
     Partnership.  Of these shares, Ms. O'Connor:  (a) as a co-managing  general
     partner of the WEB  Partnership,  in her  capacity as a  co-trustee  of the
     Walter E. Bixby, Jr.  Revocable  Trust,  shares the power to vote 2,140,578
     shares;  (b) as the sole trustee of the Angeline I.  O'Connor GST Trust and
     the Issue Trust for Angeline I. O'Connor, which trusts are limited partners
     of the WEB Partnership,  has the power to vote 69,355 shares;  and (c) as a
     general partner of the WEB Partnership, in her individual capacity, has the
     sole power to vote 215 shares. Also includes:  (a) 368,555 shares for which
     Ms.  O'Connor,  as a co-trustee with R. Philip Bixby and Walter E. Bixby of
     the Walter E.  Bixby  Descendants  Trust,  shares the power to vote and the
     power of  disposition;  and (b)  353,688  shares  which Ms.  O'Connor  owns
     directly and has the sole power to vote and the sole power of disposition.

(4)  The JRB Interests,  Ltd. is a Texas limited  partnership (the "JRB Partner-
     ship").  Each  partner  of the JRB  Partnership  has the power to vote that
     number of shares of Common Stock owned by the JRB Partnership  which equals
     such partner's proportionate interest in the JRB Partnership.

(5)  Includes  2,966,312  shares for which Margie Morris Bixby ("MM Bixby"),  as
     trustee of the Margie Morris Bixby  Revocable  Trust (the "MMB  Trust"),  a
     general  partner and a limited partner of the JRB  Partnership,  shares the
     power of  disposition.  Of these shares,  MM Bixby (a) as a general partner
     and a limited  partner  of the JRB  Partnership,  in her  capacity  as sole
     trustee of MMB Trust, has the sole power to vote 26,898 shares;  and (b) as
     a limited partner of the JRB Partnership,  in her individual capacity,  has
     sole power to vote 335 shares.  Also  includes,  1,800  shares for which MM
     Bixby, as a joint tenant with right of survivorship with Mr. Vogel,  shares
     the power to vote and the power of disposition.

(6)  Includes  2,966,312  shares  for which Lee M.  Vogel  ("Mr.  Vogel"),  as a
     general partner of the JRB Partnership, shares the power of disposition. Of
     these shares,  Mr. Vogel:  (a) as a general partner of the JRB Partnership,
     in his individual capacity,  has the sole power to vote 269 shares; and (b)
     as a co-trustee  (with Richard L. Finn and C. John  Malacarne) of the issue
     trust for Lee M. Vogel, a limited  partner of the JRB  Partnership,  shares
     the power to vote 976,254 shares. Also includes: (a) 1,800 shares for which
     Mr.  Vogel,  as a joint  tenant with right of  survivorship  with MM Bixby,
     shares the power to vote and the power of disposition; and (b) 5,298 shares
     which Mr.  Vogel owns  directly and has the sole power to vote and the sole
     power of disposition.

         (b)  Security Ownership of Management

     As  described  in the notes to the table set  forth  below,  certain  named
persons share the power of voting and disposition with respect to certain shares
of Common Stock. Consequently, such shares are shown as being beneficially owned
by more than one person.

     Jack D. Hayes,  Michael J. Ross and  Elizabeth  T.  Solberg  are  currently
Directors  whose terms  expire on April  19,2001.  They,  along with  William R.
Blessing and Cecil R. Miller,  are nominees of management  for election to three
year terms at the annual meeting to be held April 19, 2001:


                                                Served      Shares of
                                                 as a       Record and
     Name and               Principal         Director    Beneficially   Percent
     Address               Occupation         Since         Owned       of Class

William R. Blessing       Vice President        Nominee         100           *
11708 Manor               Sprint PCS
Overland Park, KS         Kansas City, MO

Jack D. Hayes             Senior Vice Presi-     1995           500           *
3520 Broadway             dent-Emeritus,                      2,204(1)
Kansas City, MO           Marketing

Cecil R. Miller           Retired               Nominee         100           *
12215 Ash
Overland Park, KS

Michael J. Ross           Chairman of the        1972           600           *
12826 Dubon Lane          Board, Jefferson
St. Louis, MO             Bank and Trust
                          Company,
                          St. Louis, MO

Elizabeth T. Solberg      Regional President     1997           200           *
850 W. 52nd St.            and Senior Partner,
Kansas City, MO           Fleishman-Hillard, Inc.,
                          St. Louis, MO

     The following Directors were elected April 22, 1999 for a three year term:

Walter E. Bixby           President, Old         1996     2,358,340(2)(3)   25.7
3520 Broadway             American Insur-                   365,276(4)
Kansas City, MO           ance Company,                       6,506(1)
                          Kansas City, MO                   368,555(5)

Webb R. Gilmore           Chairman, CEO          1990           500           *
833 Westover Rd.          and Shareholder,
Kansas City, MO           Gilmore & Bell,
                          Kansas City, MO

Nancy Bixby Hudson        Investor               1996     2,966,312(6)      27.4
425 Baldwin Creek Rd.                                       331,566(7)
Lander, WY

Daryl D. Jensen           Vice Chairman of       1978           939           *
2143 Old Port Dr.         the Board, Sunset
Olympia, WA               Life Insurance
                          Company of America,
                          Kansas City, MO

C. John Malacarne         Vice President,        1991            20         24.2
3520 Broadway             General Counsel                    14,173(1)
Kansas City, MO           and Secretary                   2,901,592(11)


                                                Served      Shares of
                                                 as a       Record and
     Name and               Principal         Director    Beneficially   Percent
     Address               Occupation         Since         Owned       of Class

     The following Directors were elected April 20, 2000 for a three year term:

J. R. Bixby               Chairman of the        1957     2,966,312(8)      24.6
3520 Broadway             Board
Kansas City, MO

R. Philip Bixby           President, CEO         1985     2,358,340(2)(9)   25.8
3520 Broadway             and Vice Chairman                  15,777(1)
Kansas City, MO           of the Board                      368,555(5)
                                                            362,602(10)

Richard L. Finn           Senior Vice Presi-     1983            24         24.3
3520 Broadway             dent, Finance                      25,097(1)
Kansas City, MO                                           2,901,592(11)

Warren J. Hunzicker, M.D. Director               1989           300           *
1248 Stratford Rd.
Kansas City, MO

Larry Winn, Jr.           Retired Represent-     1985           332           *
8420 Roe Ave.             ative, U.S. Congress
Prairie Village, KS

All Directors, executive officers
and their spouses (also includes all
shares held by trustees of Company
benefit plans and shares held by the
Bixby Family and related Trusts)                          8,370,874         69.5

     *Less than 1%.

(1)  Approximate  beneficial  interest in shares held by the  Trustees of Kansas
     City Life Insurance  Company employee benefit plans.  Participants have the
     power to vote the shares held in their account.

(2)  As co-managing general partners of the WEB Interests, Ltd., a Texas limited
     partnership (the "WEB  Partnership"),  Walter E. Bixby,  R.Philip Bixby and
     Angeline I. O'Connor, share the power to dispose of these shares, which are
     owned by the WEB Partnership.  As co-managing  general  partners,  in their
     capacity as co-trustees of the WEB Trust,  Walter E. Bixby, R. Philip Bixby
     and Ms. O'Connor share the power to vote 2,140,578 of these shares.

(3)  Includes (a) 215 shares for which Walter E. Bixby,  as a general partner of
     the WEB Partnership,  has the sole power to vote; and (b) 69,355 shares for
     which Walter E. Bixby, as the sole trustee of the Walter E. Bixby,  III GST
     Trust and the Issue  Trust for  Walter E.  Bixby,  III,  which  trusts  are
     limited partners of the WEB Partnership, has the sole power to vote.

(4)  Includes (a) 350,830 shares which Walter E. Bixby owns directly and has the
     sole power to vote and the sole power of disposition; and (b) 14,446 shares
     for which Walter E. Bixby, as custodian for certain of his minor nieces and
     nephews, has the sole power to vote and the sole power of disposition.

(5)  These shares are held in the Walter E. Bixby  Descendants  Trust. R. Philip
     Bixby,  Walter E. Bixby and Ms.  O'Connor are the co-trustees of this trust
     and share the power to vote and the power to dispose of these  shares.  The
     terms of the trust restrict the transfer of these shares.

(6)  Ms. Hudson,  as a general  partner of JRB Interests,  Ltd., a Texas limited
     partnership  (the "JRB  Partnership"),  shares  with the  managing  general
     partner and the other general partners of the JRB Partnership, the power of
     disposition of these shares,  which are owned by the JRB  Partnership.  Ms.
     Hudson (a) as a general partner of the JRB  Partnership,  has sole power to
     vote 269 of these shares; and (b) as a co-trustee (with Richard L. Finn and
     C. John  Malacarne) of the Nancy Bixby Hudson GST Trust and the Issue Trust
     for Nancy  Bixby  Hudson,  which  trusts are  limited  partners  of the JRB
     Partnership, shares the power to vote 1,925,338 of these shares.

(7)  Ms. Hudson,  as sole trustee of the Nancy Bixby Hudson Trust dated December
     11, 1997, has the sole power to vote and the sole power to dispose of these
     shares.

(8)  J. R.  Bixby,  as sole  managing  general  partner of the JRB  Partnership,
     shares with the other general  partners of the JRB Partnership the power of
     disposition  of these shares,  which are owned by the JRB  Partnership.  Of
     these  shares,  he has the sole power to vote (a) 335 of these  shares as a
     limited partner of the JRB Partnership,  and (b) 26,898 shares as a general
     partner of the JRB Partnership.

(9)  Includes  (a)215  shares for which R. Philip Bixby as a general  partner of
     the WEB Partnership,  has the sole power to vote; and (b) 69,355 shares for
     which R. Philip Bixby, as sole trustee of the R. Philip Bixby GST Trust and
     the Issue Trust for R. Philip Bixby,  which trusts are limited  partners of
     the WEB Partnership, has the sole power to vote.

(10) Includes:  (a) 344,464  shares which R. Philip Bixby owns  directly and has
     the sole  power to vote and the sole power of  disposition;  and (b) 18,138
     shares for which R. Philip  Bixby,  as  custodian  for certain of his minor
     nieces  and  nephews,  has the sole  power  to vote  and the sole  power of
     disposition.

(11) Richard L. Finn and C. John Malacarne share the power to vote (a) 1,925,338
     shares with Nancy  Hudson,  as  co-trustees  of the Nancy Bixby  Hudson GST
     Trust and the Issue Trust for Nancy Bixby Hudson,  which trusts are limited
     partners of the JRB Partnership;  and (b)976,254  shares with Lee M. Vogel,
     as co-trustees  of the Issue Trust for Lee M. Vogel,  a limited  partner of
     the JRB Partnership.


Item 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         None.








                                                                PART IV


Item 14.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND
          REPORTS ON FORM 8-K

         (a)(1)  Financial Statements

     The following  financial  statements of Kansas City Life Insurance  Company
are  incorporated by reference from the Company's  Annual Report to Shareholders
for the year ended December 31, 2000 at the following pages:

                                                                      Page

   Consolidated Income Statement - Years ended
      December 31, 2000, 1999 and 1998 . . . . . . . . . . . . . . .   28
   Consolidated Balance Sheet -
      December 31, 2000 and 1999 . . . . . . . . . . . . . . . . . .   29
   Consolidated Statement of Stockholders' Equity -
      Years ended December 31, 2000, 1999 and 1998 . . . . . . . . .   30
   Consolidated Statement of Cash Flows -
      Years ended December 31, 2000, 1999 and 1998 . . . . . . . . .   31
   Notes to Consolidated Financial Statements  . . . . . . . . . . . 32-42
   Reports of Independent Auditors  . . . . . . . . . . . . . . . . .  43

         (a)(2)  Supplementary Data and Financial Statement Schedules

         Schedules are attached hereto at the following pages:

                                                                      Page

   I   - Summary of Investments - Other than Investments
            in Related Parties, December 31, 2000  . . . . . . . . .   22
   II  - Condensed Financial Information of Registrant,
            Years ended December 31, 2000, 1999 and 1998 . . . . . . 23-25
   III - Supplementary Insurance Information, Years ended
            December 31, 2000, 1999 and 1998 . . . . . . . . . . . .   26
   IV  - Reinsurance Information, Years ended
            December 31, 2000, 1999 and 1998 . . . . . . . . . . . .   27
   V   - Valuation and Qualifying Accounts, Years ended
            December 31, 2000, 1999 and 1998 . . . . . . . . . . . .   28

     All other schedules are omitted as the required information is inapplicable
or the information is presented in the financial statements or related notes.

         (b)  Reports on Form 8-K

              None.

         (c)  Exhibits

           Exhibit
           Number:                           Basic Documents:

     3(a) Articles of  Incorporation  (as Restated in 1986 and Amended in 1999).
          [Filed as Exhibit  3(a) to the  Company's  10-Q Report for the quarter
          ended September 30, 1999 and incor- porated herein by reference]

     3(b) Bylaws as Amended  October  26,  1986.  [Filed as Exhibit  3(b) to the
          Company's 10-K Report for 1986 and incorporated herein by reference]

     4(a) Specimen  copy of Stock  Certificate.  [Filed as  Exhibit  4(a) to the
          Company's  10-Q Report for the quarter  ended  September  30, 1999 and
          incorporated herein by reference]

     10(a) Eighth Amendment, Kansas City Life Deferred Compensation Plan.

     10(b)Twenty-third  Amendment,  Kansas City Life Insurance  Company  Savings
          and Profit Sharing Plan. [Filed as Exhibit 10(b) to the Company's 10-K
          Report for 1999 and incorporated herein by reference]

     10(c)Eleventh  Amendment,  Kansas City Life Employee Stock Plan.  [Filed as
          Exhibit 10(c) to the Company's  10-K Report for 1999 and  incorporated
          herein by reference]

     10(d)Second  Amendment,  Kansas City Life Excess  Benefit  Plan.  [Filed as
          Exhibit 10(d) to the Company's  10-K Report for 1999 and  incorporated
          herein by reference]

     13   Annual Report to Shareholders for the year ended December 31, 2000.

     21   Subsidiaries.

     23(a) Independent Accountants Consent.

     23(b) Consent of Independent Auditors.

     23(c) Independent Accountants Consent.

     23(d) Consent of Independent Auditors.

     99(a)Form 11-K for the  Kansas  City Life  Insurance  Company  Savings  and
          Profit  Sharing  Plan for the year 2000 and filed as a part hereof and
          incorporated herein by reference.

     99(b)Prospectus  for  Kansas  City  Life  Insurance   Company  Savings  and
          Investment Plan.

                                                              SIGNATURES



     Pursuant  to the  requirements  of  Section  13 or 15(d) of the  Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.



KANSAS CITY LIFE INSURANCE COMPANY



By: /s/ John K. Koetting
    John K. Koetting
    Vice President and Controller
    (Principal Accounting Officer)
Date: March 29, 2001





     Pursuant to the  requirements of the Securities  Exchange Act of 1934, this
report has been signed  below by the  following  persons on behalf of the Regis-
trant and in the capacities and on the dates indicated.



By: /s/ R. Philip Bixby                      By: /s/ Richard L. Finn
    R. Philip Bixby                              Richard L. Finn
    Director; President, Chief                   Director; Senior Vice
    Executive Officer and Vice                   President, Finance
    Chairman of the Board                        (Principal Financial Officer)
    (Principal Executive Officer)            Date: March 29, 2001
Date: March 29, 2001



By: /s/ J. R. Bixby                          By: /s/ C. John Malacarne
    J. R. Bixby                                  C. John Malacarne
    Director; Chairman of                        Director; Vice President,
    the Board                                    General Counsel and Secretary
Date: March 29, 2001                           Date: March 29, 2001



By: /s/ Walter E. Bixby                      By: /s/ Daryl D. Jensen
    Walter E. Bixby                              Daryl D. Jensen
    Director                                     Director
Date: March 29, 2001                           Date: March 29, 2001



By: /s/ Jack D. Hayes                        By: /s/ Warren J. Hunzicker, M.D.
    Jack D. Hayes                                Warren J. Hunzicker, M.D.
    Director; Senior Vice Presi-                 Director
    dent-Emeritus, Marketing                 Date: March 29, 2001
Date: March 29, 2001

                                                            Schedule I





               KANSAS CITY LIFE INSURANCE COMPANY AND SUBSIDIARIES
                       SUMMARY OF INVESTMENTS - OTHER THAN
                         INVESTMENTS IN RELATED PARTIES
                                December 31, 2000



                                                                       Amount at
                                                                     Which Shown
                                                            Fair      in Balance
           Type of Investment                   Cost         Value        Sheet

                                                         (in thousands)

Fixed maturity securities,
available for sale:
  Bonds:
    United States government and government
      agencies and authorities               $   45,050       46,368      46,368
    Mortgage-backed securities                  381,224      384,311     384,311
    Public utilities                            290,415      281,832     281,832
    All other bonds                           1,280,885    1,220,901   1,220,901
  Redeemable preferred stocks                       745          745         745
    Total                                     1,998,319    1,934,157   1,934,157


Equity securities, available for sale:
  Common stocks                                  37,966       37,851      37,851
  Perpetual preferred stocks                     62,900       56,418      56,418
    Total                                       100,866       94,269      94,269

Fixed maturity securities,
held to maturity:
  Bonds:
    United States government and government
      agencies and authorities                    4,352        4,616       4,352
    Public utilities                             12,474       13,273      12,474
    All other bonds                              63,746       62,574      63,746
      Total                                      80,572       80,463      80,572

Mortgage loans on real estate, net              396,731                  396,731
Real estate, net                                 44,443                   44,443
Real estate joint ventures                       34,185                   34,185
Policy loans                                    116,024                  116,024
Short-term                                       54,171                   54,171
    Total investments                        $2,825,311                2,754,552

                                                            Schedule II



                       KANSAS CITY LIFE INSURANCE COMPANY
                  CONDENSED FINANCIAL INFORMATION OF REGISTRANT
                                  BALANCE SHEET



                                   December 31

                                                             2000           1999

                                                                (in thousands)

Assets
Investments:
  Fixed maturity securities:
    Available for sale, at fair value                     $1,449,167  1,516,472
    Held to maturity, at amortized cost                       45,983     64,608
  Equity securities available for sale, at fair value:
    Investments in affiliates                                253,162    227,007
    Other                                                     70,170     89,376
  Mortgage loans on real estate, net                         300,752    262,380
  Real estate, net                                            43,499     41,390
  Real estate joint ventures                                  26,481     29,169
  Policy loans                                                94,905     97,386
  Short-term                                                   8,761     12,956
      Total investments                                    2,292,880  2,340,744

Deferred acquisition costs                                   125,259    116,696
Value of purchased insurance in force                         59,124     63,429
Cash                                                          17,347     18,537
Deferred income tax asset                                     21,685     14,717
Other                                                        109,397    108,889
Separate account assets                                      325,148    259,899

    Total assets                                          $2,950,840  2,922,911

Liabilities and stockholders' equity
Future policy benefits                                    $  528,702    541,126
Accumulated contract values                                1,294,399  1,355,404
Other                                                        270,337    272,677
Separate account liabilities                                 325,148    259,899
    Total liabilities                                      2,418,586  2,429,106

Stockholders' equity:
  Common stock                                                23,121     23,121
  Paid in capital                                             20,109     18,498
  Accumulated other comprehensive loss                       (55,280)   (59,095)
  Retained earnings including $151,380,000 undis-
    tributed earnings of affiliates ($136,800,000 - 1999)    651,324    614,278
  Less treasury stock, at cost                              (107,020)  (102,997)
    Total stockholders' equity                               532,254    493,805

    Total liabilities and stockholders' equity            $2,950,840  2,922,911



The above condensed  financial  statement should be read in conjunction with the
consolidated  financial  statements  and  notes  thereto  of  Kansas  City  Life
Insurance Company.

                                                            Schedule II
                                                            (continued)




                       KANSAS CITY LIFE INSURANCE COMPANY
                  CONDENSED FINANCIAL INFORMATION OF REGISTRANT
                                INCOME STATEMENT



                                                     Years ended December 31

                                                 2000          1999        1998

                                                          (in thousands)

Revenues
Insurance revenues:
  Premiums:
    Life insurance                             $ 25,481        30,684    31,899
    Accident and health                          42,567        40,524    37,963
  Contract charges                               83,841        82,065    82,273
Investment revenues:
  Investment income, net                        155,759       159,027   156,501
  Dividends from affiliates                         100             0       100
  Realized investment gains (losses), net          (304)        1,208     9,198
Other                                            11,042         9,690    10,359
  Total revenues                                318,486       323,198   328,293
Benefits and expenses
Policy benefits:
  Death benefits                                 63,073        60,372    58,929
  Surrenders of life insurance                   10,718        10,177    14,589
  Other benefits                                 68,810        65,838    64,404
  Increase in benefit and contract reserves      49,171        60,753    58,118
Amortization of deferred policy
  acquisition costs                              11,437        12,443    16,861
Insurance operating expenses                     80,234        79,230    75,543
Management fees from affiliates                 (12,234)       (8,940)   (5,923)
  Total benefits and expenses                   271,209       279,873   282,521

Income before federal income taxes and
  equity in undistributed net income
  of affiliates                                  47,277        43,325    45,772

Federal income taxes                             12,773        12,545    12,538

Income before equity in undistributed
  net income of affiliates                       34,504        30,780    33,234

Equity in undistributed net income
  of affiliates                                  14,579        14,265    15,278

Net income                                     $ 49,083        45,045    48,512



The above condensed  financial  statement should be read in conjunction with the
consolidated  financial  statements  and  notes  thereto  of  Kansas  City  Life
Insurance Company.

                                                            Schedule II
                                                            (continued)





                       KANSAS CITY LIFE INSURANCE COMPANY
                   CONDENSED FINANCIAL STATEMENT OF REGISTRANT
                               CASH FLOW STATEMENT



                                                     Years ended December 31

                                                 2000          1999       1998

                                                          (in thousands)

Net cash from operating activities             $ 29,770        38,924    40,286

Investing Activities
  Investments called, matured or repaid         113,429       145,574   218,805
  Decrease in short-term
    investments, net                              4,294        23,279     9,968
  Investments sold                              319,786       382,401   364,541
  Investments purchased or originated          (362,818)     (576,854) (620,514)
  Other                                           4,689         4,346     3,403
  Acquisitions and dispositions of insur-
    ance blocks - net cash paid                       -        (5,162)  (13,250)

  Net cash provided (used) in
    investing activities                         79,380       (26,416)  (37,047)

Financing Activities
  Proceeds from borrowings                       34,700        89,950         -
  Repayment of borrowings                       (68,700)      (25,950)        -
  Policyowner contract deposits                  97,345       105,018   126,743
  Withdrawals of policyowner
    contract deposits                          (159,237)     (148,515) (154,172)
  Cash dividends to stockholders                (12,037)      (11,841)  (11,153)
  Other                                          (2,411)      (12,771)      962

  Net cash from financing activities           (110,340)       (4,109)  (37,620)

Increase (decrease) in cash                      (1,190)        8,399   (34,381)
Cash at beginning of year                        18,537        10,138    44,519

  Cash at end of year                          $ 17,347        18,537    10,138



The above condensed  financial  statement should be read in conjunction with the
consolidated  financial  statements  and  notes  thereto  of  Kansas  City  Life
Insurance Company.

                                  Schedule III


                       KANSAS CITY LIFE INSURANCE COMPANY
                       SUPPLEMENTARY INSURANCE INFORMATION


                                       Future Policy
                        Deferred     Benefits, Contract                Other
                       Acquisition    Values and Claim   Unearned Policyholders'
                         Costs           Liabilities     Premiums       Funds
(in thousands)
December 31, 2000:
KCL - Individual        $125,259          1,833,620            319      131,958
KCL - Group                    -             10,935             25            -
Sunset                    48,040            373,006             99        9,508
Old American              71,661            257,696            367        7,273
  Total                 $244,960          2,475,257            810      148,739

December 31, 1999:
KCL - Individual        $116,696          1,902,425            505      133,458
KCL - Group                    -             16,094             54            -
Sunset                    49,606            380,615            124       10,611
Old American              70,068            253,849            405        7,468
  Total                 $236,370          2,552,983          1,088      151,537

December 31, 1998:
KCL - Individual        $102,850          1,939,018            330      120,781
KCL - Group                    -             19,070             55            -
Sunset                    47,240            380,134             17       10,966
Old American              68,867            249,729            413        5,197
  Total                 $218,957          2,587,951            815      136,944


                                          Insurance      Accident and
                         Policy           Operating     Health Written
                        Benefits          Expenses@        Premiums
                                        (in thousands)
2000:
KCL - Individual        $156,768             52,567            335
KCL - Group               35,004             20,950         43,710
Sunset                    32,387             10,167             26
Old American              52,682             17,051          2,048
  Total                 $276,841            100,735         46,119

1999:                                                               @Allocations
KCL - Individual        $162,336             53,507            362  of Insurance
KCL - Group               34,804             20,872         41,411    Operating
Sunset                    30,242             10,867             27  Expenses are
Old American              53,790             18,351          2,085   based on a
  Total                 $281,172            103,597         43,885   number of
                                                                     assumptions
1998:                                                                and esti-
KCL - Individual        $161,236             52,617            385   mates, and
KCL - Group               34,801             20,289         38,820   the results
Sunset                    29,255             10,290             28  would change
Old American              58,048             17,372          4,354  if different
  Total                 $283,340            100,568         43,587  methods were
                                                                       applied.

All other  information  required by this  Schedule is shown in the  accompanying
Segment Information Note to the Consolidated Financial Statements.




                                   Schedule IV


                       KANSAS CITY LIFE INSURANCE COMPANY
                             REINSURANCE INFORMATION


                      Life Insurance Premiums       Accident and Health Premiums
                      2000      1999      1998         2000     1999     1998
                                               (in thousands)
Direct
KCL - Individual    $ 24,951    29,725    26,836          379      413      440
KCL - Group           11,439    11,567    12,537       48,906   50,113   46,736
Sunset                 5,606     5,491     5,656           28       29       31
Old American          78,912    81,022    83,555        5,456    6,168    6,815
  Total             $120,908   127,805   128,584       54,769   56,723   54,022

Ceded
KCL - Individual     (14,737)  (13,811)  (11,967)         (44)     (51)     (55)
KCL - Group           (2,277)   (2,333)   (2,181)      (6,674)  (9,951)  (9,158)
Sunset                (4,523)   (5,879)   (4,584)          (2)      (2)      (3)
Old American          (6,281)   (7,232)   (8,016)      (3,408)  (4,083)  (2,365)
  Total              (27,818)  (29,255)  (26,748)     (10,128) (14,087) (11,581)

Assumed
KCL - Individual       6,105     5,536     6,674            -        -        -
KCL - Group                -         -         -            -        -        -
Sunset                     -         -         -            -        -        -
Old American               -         -         -            -        -        -
  Total                6,105     5,536     6,674            -        -        -
Net                 $ 99,195   104,086   108,510       44,641   42,636   42,441

% of Assumed to Net        6         5         6            -        -        -

                          Life Insurance in Force
                          2000      1999      1998
                               (in millions)
Direct
KCL - Individual        $ 14,003    13,386    12,569
KCL - Group                3,440     3,351     3,823
Sunset                     5,629     5,807     5,768
Old American               1,048     1,072     1,101
  Total                   24,120    23,616    23,261

Ceded
KCL - Individual          (4,749)   (3,726)   (2,832)
KCL - Group                 (267)     (270)     (256)
Sunset                    (1,393)   (1,371)   (1,274)
Old American                (105)     (116)     (126)
  Total                   (6,514)   (5,483)   (4,488)

Assumed
KCL - Individual           2,818     3,131     3,380
KCL - Group                    -         -         -
Sunset                         -         -         -
Old American                   -         -         -
  Total                    2,818     3,131     3,380
Net                     $ 20,424    21,264    22,153

% of Assumed to Net           14        15        15

All other  information  required by this  Schedule is shown in the  accompanying
Reinsurance Note to the Consolidated Financial Statements.




                                   Schedule V





                       KANSAS CITY LIFE INSURANCE COMPANY
                        VALUATION AND QUALIFYING ACCOUNTS



                                                  Years ended December 31

                                               2000         1999        1998

                                                       (in thousands)

Real estate valuation account
  Beginning of year                          $ 1,519        2,877       3,686
  Deductions                                    (894)      (1,358)       (809)
  End of year                                $   625        1,519       2,877


Mortgage loan valuation account
  Beginning of year                          $ 7,000        8,500       8,500
  Deductions                                  (2,970)      (1,500)          -
  End of year                                $ 4,030        7,000       8,500


Allowance for uncollectible accounts
  Beginning of year                          $ 1,555        1,337       1,209
  Additions                                      218          491         449
  Deductions                                    (190)        (273)       (321)
  End of year                                $ 1,583        1,555       1,337




                                Exhibit 21, Form
                             10-K Kansas City Life
                                Insurance Company







                                  SUBSIDIARIES




           Kansas City Life Insurance Company's significant insurance
                                subsidiaries are:

     1.   Sunset Life  Insurance  Company of America,  a  corporation  organized
          under the laws of the State of Washington  and  redomesticated  to the
          State of Missouri.

     2.   Old American Insurance Company, a corporation organized under the laws
          of the State of Missouri.

     The  Company's non-insurance  subsidiaries are not significant individually
          or in the aggregate.




                            Exhibit 99(a), Form 10-K
                                Kansas City Life
                                Insurance Company







                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549


                                    FORM 11-K







[ ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF
     1934 [FEE REQUIRED] For the fiscal year ended December 31, 2000



                                       OR



[  ] TRANSITION  REPORT  PURSUANT TO SECTION 15(d) OF THE SECURITIES  EXCHANGE
     ACT OF 1934 [NO FEE REQUIRED] For the transition  period from __________ to
     ___________



                         Commission File Number 2-40764



      A. Kansas City Life Insurance Company Savings and Profit Sharing Plan
                                  3520 Broadway
                        Kansas City, Missouri 64111-2565



                      B. Kansas City Life Insurance Company
                                  3520 Broadway
                        Kansas City, Missouri 64111-2565