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





                         FIRST AMENDMENT

                        KANSAS CITY LIFE
                       EXCESS BENEFIT PLAN


                            ARTICLE I
                           Definitions
     1.01  "Act" shall mean the Employee Retirement Income Security
Act of 1974 (ERISA), as from time to time amended.
     1.02  "Pension Plan" shall mean the Kansas City Life Insurance
Company Cash Balance Pension Plan, as amended from time to time.
     1.03  "Code" shall mean the Internal Revenue Code of 1986, as
amended from time to time.
     1.04  "Company" shall mean Kansas City Life Insurance Company
and any of its subsidiaries or affiliated business entities parti-
cipating in the Pension Plan.
     1.05  "Effective date" shall mean January 1, 1998.
     1.06  "Maximum benefit" shall mean the maximum benefit
permitted by Sections 415 and 401(a)(17) of the Code to be paid a
participant of a defined benefit plan qualified under Sections
401(a) and 501(a).
     1.07  "Participant" shall mean any employee of the Company who
is an active participant in the Pension Plan on or after the
effective date and whose pension benefits determined on the basis
of the provisions of such Pension Plan, without regard to the
limitations of the Code, would exceed the maximum benefit limited
under Sections 415 and 401(a)(17) of the Code.
     1.08  "Plan" shall mean the Kansas City Life Excess Benefit
Plan, as from time to time amended or restated, which shall be an
unfunded plan as defined in Act Section 3(36) and Department of
Labor Regulation 2520.104-23.
     1.09  "Unrestricted benefit" shall mean the maximum normal,
early, or deferred vested retirement benefit, payable pursuant to
provisions of the Pension Plan, whichever is applicable, determined
without regard to the limitations of the Code imposed under
Sections 415 and 401(a)(17).

                           ARTICLE II
                            Benefits
     2.01  Normal retirement benefit:  Upon the retirement of a
participant, as provided under the Pension Plan, such participant
shall be entitled to a benefit equal in amount to his unrestricted
benefit less the maximum benefit.
     2.02  Deferred vested retirement benefit:  If a participant
terminates employment with the Company and is entitled to a
deferred vested retirement benefit provided under the Pension Plan,
such a participant shall be entitled to a benefit equal to his
unrestricted benefit less the maximum benefit.
     2.03  Spouse's pension benefit:  Subject to Section 2.04
below, upon the death of a participant whose spouse is eligible for
a pre- or post-retirement surviving spouse benefit under the
Pension Plan, the participant's surviving spouse shall be entitled
to a benefit equal to the surviving spouse benefit determined in
accordance with the provisions of the Pension Plan without regard
to the limitation under Code Sections 415 and 401(a)(17) less the
maximum benefit.
     2.04  Optional forms of benefit payment:  A retirement benefit
payable under this ARTICLE II shall be paid at such time or times
in such form as the participant may have elected pursuant to the
provisions of the Pension Plan.  The election to receive a lump sum
payment must be filed with the Administrative Committee at least
six (6) months prior to payment being received.  However, a
participant entitled to a benefit from the Pension Plan in 1998 may
elect to receive a lump sum payment in 1998 without regard to this
six (6) month requirement.  Participants who are receiving monthly
benefits on January 1, 1998 from this Plan are not eligible to
elect a lump sum payment.  The lump sum shall be determined in the
same manner as it is determined under the Pension Plan.

                           ARTICLE III
                   Administration of the Plan
     3.01  Administrator:  The Plan shall be administered by the
Administrative Committee elected by the Company pursuant to the
Pension Plan, and subject to such authority detailed therein.  The
Administrator shall have the sole duty and responsibility of main-
taining records, making the requisite calculations, and disbursing
the payments hereunder.  The Administrator shall have full and
complete discretionary authority in performing its duties.  The
Administrator's interpretations, determinations, regulations, and
calculations shall be final and binding on all persons and parties
concerned.
     3.02  Amendment and termination:  Kansas City Life Insurance
Company may amend or terminate the Plan at any time, provided,
however, that no such amendment or termination shall adversely
affect a benefit to which a terminated or retired participant or
his beneficiary is entitled under ARTICLE II prior to the date of
such amendment or termination unless the participant becomes
entitled to an amount equal to such benefit under another plan
or practice adopted by the Company.
     3.03  Payments:  The Company will pay all benefits arising
under this Plan and all costs, charges, and expenses relating
thereto.
     3.04  Non-assignability of benefits:  The benefits payable
hereunder or the right to receive future benefits under the Plan
may not be anticipated, alienated, pledged, encumbered, or sub-
jected to any charge or legal process, and if any attempt is made
to do so, or a person eligible for any benefits becomes bankrupt,
the interest under the Plan of the person affected may be termi-
nated by the Administrator which, in its sole discretion, may cause
the same to be held or applied for the benefit of one or more of
the dependents of such person or make any other disposition of such
benefits that it deems appropriate.
     3.05  Status of Plan:  The benefits under this Plan shall not
be funded, but shall constitute liabilities by the Company payable
when due.
     3.06  Non-guarantee of employment:  Nothing contained in this
Plan shall be construed as a contract of employment between the
Company and any participant, or as a right of any participant to be
continued in employment of the Company, or as a limitation on the
right of the Company to discharge any of its employees, with or
without cause.
     3.07  Applicable law:  All questions pertaining to the con-
struction, validity and effect of the Plan shall be determined in
accordance with the laws of the United States and to the extent not
pre-empted by such laws, by the laws of the State of Missouri.
     IN WITNESS WHEREOF, Kansas City Life Insurance Company has
caused this Agreement to be executed by its duly authorized
officers.

                              KANSAS CITY LIFE INSURANCE COMPANY

                              By:
                              Its:   Senior Vice President



ATTEST:




       Assistant Secretary