Exhibit 32(b), Form 10-K
                                              Kansas City Life Insurance Company

KANSAS CITY
LIFE INSURANCE COMPANYSECTION 302 CERTIFICATION

                                                            Year Ended 2003

I, Tracy W. Knapp, Senior Vice President, Finance of Kansas City Life Insurance Company, certify that:

|1. | I have reviewed this annual report on Form 10-K of Kansas City Life Insurance Company;                                                                                                                                                                                                                    
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|2. | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to
state a material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading with respect
to the period covered by this report;
|3. | Based on my knowledge, the financial statements, and other financial information included in this report,
       fairly present in all material respects the financial condition, results of operations and cash flows of
       the registrant as of, and for, the periods presented in this report;     
|4. | The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure
       controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and
       have:                                                                 

| | a) | designed such disclosure controls and procedures, or caused such disclosure
controls and procedures to be designed under our supervision, to ensure that
material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly
during the period in which this annual report is being prepared;  
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| | b) | evaluated the effectiveness of the registrants disclosure controls and
procedures and presented in this report our conclusions about the effectiveness
of the disclosure controls and procedures, as of the end of the period covered
by this report based on such evaluation; and                                                                                                    
| | c) | disclosed in this report any change in the registrants internal control
over financial reporting that occurred during the registrants most recent
fiscal quarter (the registrants fourth fiscal quarter in the case of an
annual report) that has materially affected, or is reasonably likely to
materially affect, the registrants internal control over financial
reporting; and

|5. | The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of
      internal control over financial reporting, to the registrant's auditors and the audit committee of
      registrant's board of directors (or persons performing the equivalent functions):
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| | a) | all significant deficiencies and material weaknesses in the design or operation of internal control
over financial reporting which are reasonably likely to adversely affect the
registrants ability to record, process, summarize and report financial
information; and
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| | b) | any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrants internal control
over financial reporting.                                                                                               

Date: March 11, 2004/s/Tracy W. Knapp
Tracy W. Knapp
Senior Vice President, Finance