----

----

----

| 1.   | It      is the intention of the Company to maintain this Plan of Deferred      Compensation for the benefit of designated employees selected by      management. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | By      enrolling in this Plan, an employee agrees to defer a portion of his or      her current earnings. It is the intent of this Plan that accumulated and      vested benefits will be paid to such Participants at the time of an event      allowed under Code Section 409A, hereinafter referred to as a “Payment      Event” as follows: |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a.   | at      a specified time or pursuant to a fixed scheduled specified under the Plan      at the date of deferral; |
|----------------|------------------------------------------------------------------------------------------------------------------|

| b.   | upon      Separation from Service, or in the case of a Participant who meets the      definition of a “Specified Employee” as defined in Code Section      409A(a)(2)(B)(i) upon six (6) months after Separation from      Service; |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| c.   | Disability; |
|----------------|-------------|

| d.   | death; |
|----------------|--------|

| e.   | Change      in the Ownership or Effective Control of the Company;  or |
|----------------|-----------------------------------------------------------------------|

| f.   | the      occurrence of an UnforeseeableEmergency. |
|----------------|---------------------------------------------------|

----

| (a)   | “Account”      shall mean the notional account the Company establishes under the Plan for      each Participant and, as applicable, means a Participant’s Elective      Deferral Account or Company CreditAccount. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | “Bonus”      shall mean Regional Marketing, Group Sales and Incentive bonuses by the      Company. |
|-----------------|----------------------------------------------------------------------------------------------------------------|

| (c)   | “Change      in the Effective Control” of the Company shall occur on the date that any      one person, or more than on person acting as a group, acquires (or has      acquired during the  twelve (12) month period ending on the date      of the most recent acquisition by such person or persons) ownership of      stock of the Company possessing thirty percent (30%) or more of the total      voting power of the stock of such corporation or the date a majority of      members of the Company’s Board of Directors is replaced during any twelve      (12) month period by directors whose appointment or election is not      endorsed by a majority of the members of the Company’s Board of Directors      before the date of the appointment orelection. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | “Change      in the Ownership” of the Company shall occur on the date that any one      person, or more than one person acting as a group, acquires ownership of      stock of the Company that, together with stock held by such person or      group, constitutes more than fifty percent (50%) of the total fair market      value or total voting power of the stock of the  Company. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e)   | “Company      Stock” shall mean shares of the common capital stock of Kansas City Life      Insurance Company. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------|

| (f)   | “Company”      means Kansas City Life Insurance Company, a Missouri Corporation, Sunset      Life Insurance Company of America, a Missouri Corporation, Old American      Insurance Company, a Missouri Corporation and any other subsidiary      corporation of Kansas City Life Insurance Company, any or all of which may      sometimes be referred to herein as affiliated  corporations. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (g)   | “Deferred      Compensation” shall mean the amount of Salary and/or Bonus not yet earned,      which the Participant and the Company mutually agree shall be deferred in      accordance with the provisions of thisPlan. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (h)   | “Disability”      shall mean that the Participant, by reason of any medically determinable      physical or mental impairment that can be expected to result in death or      can be expected to last for a continuous period of not less than twelve      (12) months is (i) unable to engage in any substantial gainful activity or      (ii) receiving income replacement benefits for at least three (3) months      under an accident and health plan covering employees of the      Company.  The Administrative Committee will make all      determinations of Disability under thisPlan. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (i)   | “Early      Retirement” shall mean retirement from employment with the Company on the      first day of any month following a Participant’s fifty-fifth (55th) birth      date with the attainment of at least five (5) years of      employment.  For purposes of determining the attainment of at      least five (5) years of employment, the years of employment of a      Participant with Old American Insurance Company prior to November 1, 1991      shall not be taken into account. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (j)   | “Normal      Retirement” shall mean Termination from Employment with the Company      becoming effective on or about the first day of the calendar month      following the Participant’s attainment of age sixty-five    (65). |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (k)   | “Participant”      shall mean any employee of Kansas City Life Insurance Company, or any      subsidiary corporation, under the rules of common law, who shall be a      member of a select group of management or highly compensated employees      designated for participation by Kansas City Life Insurance Company from      time to time. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (l)   | “Plan      Administrator” shall mean the Administrative Committee of the      Plan. |
|-----------------|-------------------------------------------------------------------------------------------------|

| (m)   | “Plan      Year” shall mean the twelve (12) month period beginning January 1st      of each year and ending December 31st      of each year. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------|

| (n)   | “Salary”      shall mean only the fixed amounts, weekly, semi-monthly, or monthly, due      and payable to the employee by the Company, and does not include any      bonuses, overtime pay or other extraordinary payments by the      Company. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (o)   | “Separation      from Service” shall mean when an employee leaves the company due to Normal      Retirement, Early Retirement, death, or otherwise has a Termination of      Employment with the Company. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (p)   | “Termination      of Employment” shall mean the severance of the Participant’s employment      with the Company prior to his or her eligibility for      retirement. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (q)   | “Unforeseeable      Emergency” shall mean a severe financial hardship to the Participant      resulting from an illness or accident of the Participant, the      Participant’s spouse, the Participant’s beneficiary, or the Participant’s      dependent (as defined in Code Section 152, without regard to Section      152(b)(1), (b)(2), and (d)(1)(B)); loss of the Participant’s property due      to casualty; or other similar extraordinary and unforeseeable      circumstances arising as a result of events beyond the control of the      Participant.  Whether a Participant is faced with an      Unforeseeable Emergency permitting a distribution is to be determined      based on the relevant facts and circumstances of each case, but, in any      case, a distribution on account of Unforeseeable Emergency may not be made      to the extent that such emergency is or may be relieved through      reimbursement or compensation from insurance or otherwise, by liquidation      of the Participant’s assets, to the extent that liquidation of such assets      would not cause severe financial hardship, or by cessation of deferrals      under the Plan.  The Administrative Committee will make all      determinations of Unforeseeable Emergencies under this    Plan. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (r)   | “Valuation      Date” shall mean each business day that the New York Stock Exchange is      open for trading, as provided in Article VI for valuing Accounts in      the Plan. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.   | The      Administrative Committee, sometimes herein referred to as the “Committee”,      shall consist of a number of persons, not less than three (3) nor more      than five (5), designated by the Executive Committee of Kansas City Life      Insurance Company, who shall serve terms of one (1) year or until their      successors are designated, and said Committee shall have the      responsibility for the general administration of the Plan and for carrying      out the provisions of the Plan in accordance with its      terms.  The Committee shall have absolute discretion in carrying      out its responsibilities. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | The      Committee may appoint from its members such committees with such powers as      it shall determine; may authorize one (1) or more of its number or any      agent to execute or deliver any instrument or make any payment on its      behalf; and may utilize counsel, employ agents and provide for such      clerical and accounting services as it may require in carrying out the      provisions of the Plan. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | The      Committee shall hold meetings upon such notice, at such place or places,      and at such time or times as it may from time to time      determine. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | The      action of a majority of the members expressed from time to time by a vote      in a meeting or in writing without a meeting shall constitute the action      of the Committee and shall have the same effect for all purposes as if      assented to by all members of the Committee at the time in      office. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | No      member of the Committee shall receive any compensation for his or her      services as such, and, except as required by law, no bond or other      security shall be required of him in such capacity in any      jurisdiction. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.   | Subject      to the limitations of this Plan, the Committee from time to time shall      establish rules or regulations for the administration of the Plan and the      transaction of its business.  The Committee shall have full and      complete discretionary authority to construe and interpret the Plan and      decide any and all matters arising hereunder, except such matters which      the Executive Committee of the Company from time to time may reserve for      itself, including the right to remedy possible ambiguities,      inconsistencies or omissions.  All interpretations,      determinations and decisions of the Committee or the Executive Committee      of Kansas City Life Insurance Company in respect of any matter hereunder      shall be final, conclusive and binding on all parties affected      thereby.  The Committee shall, when requested, submit a report      to the Executive Committee of Kansas City Life Insurance Company giving a      brief account of the operation of the Plan and the performance of the      various investment funds and Accounts established pursuant to the      Plan. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.   | Any      member of the Committee may resign by giving notice to the Executive      Committee at least fifteen (15) days before the effective date of his or      her resignation.  Any Committee member shall resign upon request      of the Executive Committee.  The Executive Committee shall fill      all vacancies on the Committee as soon as is reasonably possible after a      resignation takes place, and until a new appointment takes place, the      remaining members of the Committee shall have authority to act, if      approved by either a majority of the remaining members or by two (2)      members, whichever number islesser. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.   | Following      his or her designation by the Company, a qualified employee may commence      his or her participation in this Plan as of the first day of the month      coinciding with or next following such designation, whichever first      occurs.  He or she shall be notified of his or her eligibility      from time to time by the Company. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | An      eligible employee who desires to participate must execute a Salary and/or      eligible Bonus reduction agreement in form prescribed by the Company, as      provided in Section 3 of this Article IV, and the employee shall thereby      agree to the terms of this Plan and any amendments hereafter      adopted. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | Commencing      December 1, 2008, on or before December 31, 2008 for the subsequent Plan      Year beginning January 1, 2009, or in the case of a newly eligible      Participant within thirty (30) days of becoming eligible, each Participant      may elect to have his or her Salary or eligible Bonus reduced in an amount      equivalent to one percent (1%) through one hundred percent (100%), and      said amount shall be withheld by payroll deduction.  Where an      employee has ceased being eligible to participate in the Plan (other than      the accrual of earnings), regardless of whether all amounts deferred under      the Plan have been paid, and subsequently becomes eligible to participate      in the Plan again, the employee may be treated as being initially eligible      to participate in the plan if the employee had not been eligible to      participate in the Plan (other than the accrual of earnings) at any time      during the twenty-four (24) month period ending on the date the employee      again becomes eligible to participate in the Plan.  For each      Plan Year 2009 and after, Salary and/or eligible Bonus deferral elections      for the following Plan Year must be made by December 31st      of the year preceding the Plan Year and shall be irrevocable for the      entire Plan Year.  Deferral elections shall remain in effect in      subsequent years unless terminated or modified by the Participant and are      irrevocable during the Plan Year.  These amounts shall be the      Participants’ Deferred Compensation.  The credits herein may      sometimes be referred to as the Participant’s “Elective Deferral      Account”. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | The      Participant may cancel or change his or her Salary and/or eligible Bonus      deferral election up until the deadline for submitting his or her or      election, by December 31st      of the year preceding the PlanYear. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | Commencing      December 1, 2008, on or before December 31, 2008 for the subsequent Plan      Year beginning January 1, 2009, each Participant may elect to make changes      to his or her distribution method on amounts deferred before December 31,      2008, specifically the time and form of payments on the entire balance of      his or her respective account in a fashion allowable under this Plan and      as described below, including all credits and earnings to his or her      respective account through December 31, 2008, provided that (a) such new      election is consistent with the other provisions of this Plan, (b) the      election applies only to amounts that would not otherwise be paid in the      calendar year in which the new election is made, and (c) the election does      not cause an amount to be paid in the year in which the new election is      made. |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.   | Commencing      by December 31, 2008 for the subsequent Plan Year beginning      January 1, 2009, or in the case of a newly eligible Participant      within thirty (30) days of becoming eligible, each Participant may      determine the time and form of payment of distribution(s) on future      credits.  Where a Participant has ceased being eligible to      participate in the Plan (other than the accrual of earnings), regardless      of whether all amounts deferred under the Plan have been paid, and      subsequently becomes eligible to participate in the Plan again, the      Participant may be treated as being initially eligible to participate in      the Plan if the Participant had not been eligible to participate in the      Plan (other than the accrual of earnings) at any time during the      twenty-four (24) month period ending on the date the Participant again      becomes eligible to participate in the Plan.  Specifically, by      identifying which percentage of new credits to apply to each time and form      of distribution method, the total of which must equal one hundred percent      (100%), the Participant may select one (1), two (2) or three (3) methods      of distribution on new credits.  The one (1), two (2) or three      (3) methods of distribution selected by the Participant shall only be      changed in accordance with the subsequent change rules as described      below.  The Participant may select time and form of payment as      follows: |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a.   | Time      of Payment |
|----------------|----------------------|

| i.   | The      Participant may select payment at Separation from Service, or the      Participant may select payment at a specified time in a subsequent Plan      Year. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ii.   | The      Participant may select if he or she shall take a distribution if      Separation from Service occurs before the specified time      selected. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| b.   | Form      of Payment |
|----------------|----------------------|

| i.   | The      Participant may select payment in a lump sum cash distribution, or the      Participant may select payment in cash in one of the following actuarially      equivalent annuity forms as offered by the  Company: |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.   | Life      Only Annuity |
|----------------|------------------------|

| 2.   | Certain      and Life Annuity |
|----------------|-------------------------------|

| 3.   | Installment      Refund Annuity |
|----------------|---------------------------------|

| 4.   | Specified      Period Annuity |
|----------------|-------------------------------|

| 5.   | Joint      and Survivor Life Annuity |
|----------------|--------------------------------------|

| 6.   | Joint      and Survivor Certain and LifeAnnuity |
|----------------|-------------------------------------------------|

----

| 7.   | The      Participant may cancel or change his or her distribution method for the      next year’s credits and earnings up until the deadline for submitting his      or her election, by December 31st      of the year preceding the PlanYear. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.   | Percentage      contributions to distribution methods shall remain in effect in subsequent      years unless terminated or modified by the  Participant. |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.   | For      a Participant to make subsequent deferral election, including a delay in a      payment or a change in the form of payment previously selected, such      election will take effect twelve (12) months after the date on which the      subsequent election is made.  Except in the cases of payment on      account of the occurrence of Disability, death or Unforeseeable Emergency,      payments with respect to which such election is made must be deferred for      a period of not less than five (5) years from the date such payment would      have otherwise have been paid, or in the case of an annuity, five (5)      years from the date the first amount was scheduled to be      paid.  Any election related to a payment at a specified time      must be made not less than twelve (12) months before the date the payment      is scheduled to be paid, or in the case of an annuity, twelve (12) months      before the date the first amount was scheduled to be  paid. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.   | If      no alternative time or form of payment upon distribution is selected as      allowed under this Plan, all distributions provided or pursuant to this      Plan shall be in the form of cash in a lump sum payment at Separation from      Service, or in the case of a Participant who meets the definition of a      “Specified Employee” as defined in Code Section 409A(a)(2)(B)(i), upon six      (6) months after Separation from Service.  If a payment is made      as a result of the death of the Participant, the payment shall be made to      the surviving spouse of the Participant, if any, unless a beneficiary      designation has been provided. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 11.   | The      Participant may cancel his or her deferral election due to Unforeseeable      Emergency upon approval by the Administrative Committee.  The      Participant may also cancel his or her deferral election where such      cancellation occurs by the later of the end of the taxable year of the      Participant or the 15th      day of the third month following the date the Participant incurs a      Disability recognized by the Administrative Committee under the terms of      this Plan. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.   | As      more fully set forth in Article VI, the Company shall maintain      hypothetical accounts reflecting the amount of Salary or eligible Bonus      withheld from an individual pursuant to this Plan (“Elective Deferral      Account”), and the balance in each Participant’s Elective Deferral Account      shall be fully vested at all times. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.   | The      value of a Participant’s Elective Deferral Account as provided in      Article VI shall be distributed to him or her within a period of      ninety (90) days following his or her Payment      Event.  Distributions to an employee identified as a Specified      Employee may not be made before the date that is six (6) months after the      date of Separation from Service or, if earlier, the date of      death. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.   | In      the event of a distribution due to Disability, death, Unforeseeable      Emergency or Change in Control or Effective Control of the Company, the      Participant will receive distribution in cash in lump sum form, regardless      of if the Payment Event of Disability, death, Unforeseeable Emergency or      Change in Control or Effective Control occurs prior to the originally      selected payment date and regardless of the form previously      selected.  When a distribution is made to a Specified Employee      due Disability, death, Unforeseeable Emergency or Change in Control or      effective control of the Company, the payment shall not be delayed six (6)      months. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.   | The      Company may, solely at its discretion, add additional amounts to the      Account of designated individuals from time to time as determined by the      Company (hereinafter referred to as a “Company Credit      Account”).  Any such Company Credit Account shall be separate      from a Participant’s Elective Deferral Account.  The balance in      the Company Credit Account established for each Participant shall be      adjusted as provided in Article VI and shall be subject to the      vesting provisions of Article VII.  The notional value of the      Company Credit Account for such Participant shall be distributed to him or      her in a form of payment set forth in Article IV, section 6.b. at the time      of his or her Payment Event.  The Participant shall not be      entitled to shares of the CompanyStock. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.   | Participant      Elective Deferral Account.  A Participant may direct, by written      instruction delivered to the Plan Administrator, that his/her Elective      Deferral Account be valued as if it were invested in one or more of the      investment funds designated by the Plan Administrator for such      purpose.  A Participant may select one or more investment funds      in multiples of 1% of the balance in the Elective Deferral      Account.  An election shall be effective as soon as      administratively possible following the date of the change and shall apply      to new contributions and/or previous accumulations as the Participant      specifies. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 2.   | Company      Credit Account.  A Participant’s Company Credit Account shall be      valued as if it were invested in Company Stock beginning on the date on      which treasury stock or cash is transferred by the Company to a trust in      the event the Company elects to use a grantor (“rabbi”) trust to      accumulate funds to pay the benefits set forth herein.  The      valuation of each Participant’s Company Credit Account shall be based on      the fair market value of the Company Stock on each Valuation      date.  The fair market value of the Company Stock shall be      determined based on the closing price of the Company Stock on any      Valuation date. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | Changes      in Investment Allocation.  A Participant may change his or her      hypothetical investment allocation by submitting a written request to the      Plan Administrator on such forms as may be required by the Plan      Administrator or by utilizing an online option to change investment      allocations, if an online option is made available by the Plan      Administrator.  Such changes shall become effective as soon as      administratively feasible after the Plan Administrator receives such      written or online request. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | Valuation.  As      of each Valuation Date, the Account of each Participant under the Plan      shall be valued at the fair market value of the hypothetical investments      designated for the purpose of determining income and gains or losses for      the Account. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | Funding      Obligation of the Company.  The Company has no obligation to      fund any benefits that shall become due under the Plan.  The      Company has the right, but no obligation, to utilize a grantor ("rabbi")      trust to assist with its payment obligations.  Benefits are      payable as they become due irrespective of any actual investments the      Company may make to meet its obligations.  Neither the Company      nor any Trustee (in the event the Company elects to use a grantor trust to      accumulate funds) shall be obligated to purchase or maintain any asset,      and any reference to investment or investment funds is solely for the      purpose of computing the value of benefits.  To the extent a      Participant or any other person acquires a right to receive payments from      the Company under this Plan, such right shall be no greater than the right      of any unsecured creditor of theCompany. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.   | Commencing      January 1, 2002, the value of a Participant’s Company Credit Account      for his or her benefit shall be vested, to the extent of the percentage      applicable, upon the Valuation Date of the month in which the Participant      completes the Years of Employment with the Company in accordance with the      following schedule: |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Years      ofEmployment |   | PercentageVested |
|-------------------------|--------|------------------|
|                    |   |             |
| 1                       |   | 0                |
| 2                       |   | 20               |
| 3                       |   | 40               |
| 4                       |   | 60               |
| 5                       |   | 80               |
| 6                       |   | 100              |

----

| 2.   | A      “Year of Employment” shall mean a twelve (12) consecutive monthly period      of employment with the Company dating from commencement of employment,      during which he or she shall complete at least one thousand (1,000) hours      of employment.  If an employee’s employment with either Kansas      City Life Insurance Company or one of its affiliated corporations shall be      terminated, and he or she is immediately employed by any other of such      affiliated corporations, his or her employment shall be regarded as      continuous and treated as if under one employer for vesting      purposes.  However, years of employment of an employee of Old      American Insurance Company prior to November 1, 1991 shall not be      taken into account for purposes of this Article  VII. |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | In      the event a Participant shall Separate from Service with the Company or      any of its affiliated corporations, by reason of death or Normal      Retirement or Early Retirement as defined herein, the value of his or her      account shall be one hundred percent (100%) vested upon the Valuation Date      of the month in which such death or retirement occurs, and shall be      distributed to him or her within a period of ninety (90) days after the      Separation from Service occurs, or in the case of a Participant who meets      the definition of a “Specified Employee” as defined in Code Section      409A(a)(2)(B)(i) upon six (6) months after Separation from      Service. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.   | Any      Participant or retired Participant shall have the right to designate a new      beneficiary at any time by filing with the Company a written request for      such change, but any such change shall become effective only upon receipt      of such request by the Company.  Upon receipt by the Company of      such request, the change shall relate back to and take effect as of the      date such Participant signs such request whether or not such Participant      is living at the time the Company receives such  request. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | If      there be no designated beneficiary living or in effect at the death of      such Participant when any payment hereunder shall be payable to the      beneficiary, then such payment shall be made as follows:  To      such Participant’s spouse, if living; if not living, to such Participant’s      then living lineal descendants, in equal shares, per stirpes; if none      survives, to such Participant’s surviving parents, equally.  If      neither survives, to such Participant’s executors or      administrators. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | The      interest hereunder of any Participant, retired Participant or beneficiary      shall not be alienable, either by assignment or by any other method, and      to the maximum extent permissible by law, shall not be subject to being      taken, by any process whatever, by the creditors of such Participant,      retired Participant or beneficiary. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | Nothing      herein contained nor any action taken under the provisions hereof shall be      construed as giving any employee the right to be retained in the      employment of the Company. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | The      Company shall have the right to amend or terminate this Plan at any time;      provided, however, that no such action shall reduce a Participant's      Account under the Plan without such Participant's written      consent. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.   | Submitting      a Claim.  Upon request, the Administrative Committee shall      provide any Participant or Beneficiary (“Claimant”) with a claim form      which the Claimant can use to request benefits.  In addition,      the Committee will consider any written request for benefits or other      inquiries relating to benefits under the Plan to be a    claim. |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | Approval      of Initial Claim.  If a claim for benefits is approved, the      Committee shall provide the Claimant with written or electronic notice of      such approval.  The notice shall  include: |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a.   | the      amount of benefits to which the Claimant is  entitled; |
|----------------|-----------------------------------------------------------------|

| b.   | the      duration of such benefit; |
|----------------|------------------------------------|

| c.   | the      time the benefit is to commence;and |
|----------------|----------------------------------------------|

| d.   | other      pertinent information concerning thebenefit. |
|----------------|---------------------------------------------------------|

| 3.   | Denial      of Initial Claim.  If a claim for benefits is denied (in whole      or in part) by the Committee, the Committee shall provide the Claimant      with written or electronic notification of such denial within ninety (90)      days after receipt of the claim, unless special circumstances require an      extension of time for processing the claim.  (See Section 6 for      the procedures concerning extensions of time.)  The notice of      denial of the claim shall include: |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a.   | the      specific reason that the claim wasdenied; |
|----------------|----------------------------------------------------|

| b.   | a      reference to the specific Plan provisions on which the denial was      based; |
|----------------|--------------------------------------------------------------------------------------|

| c.   | a      description of any additional material or information necessary to perfect      the claim, and an explanation of why this material or information is      necessary; and |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| d.   | a      description of the Plan’s appeal procedures and the time limits that apply      to such procedures, including a statement of the Claimant’s right to bring      a civil action under ERISA Section 502(a) if the claim is denied on      appeal. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 4.   | Filing      the Appeal.  In the event that a claim is denied (in whole or in      part), the Claimant may appeal the denial by giving written notice of the      appeal to the Secretary of the Board of Directors (“Board”) within sixty      (60) days after the Claimant receives the notice of denial of the      claim.  At the same time the Claimant submits a notice of      appeal, the Claimant may also submit written comments, documents, records,      and other information relating to the claim.  The Board shall      review and consider this information without regard to whether the      information was submitted or considered in conjunction with the initial      claim.  The Claimant may, upon request and without charge, have      access to, and copies of, documents, records and other information      relating to the claim. |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | General      Appeal Procedure.  The Board (or its designee) may hold a      hearing or otherwise ascertain such facts as it deems necessary and shall      render a decision which shall be binding upon both parties.  The      Board shall render a decision on appeal within sixty (60) days after the      receipt by the Board of the notice of appeal, unless special circumstances      require an extension of time.  (See Section 6 for the procedures      concerning extensions of time.) |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a.   | the      specific reason or reasons for the appeal  decision; |
|----------------|---------------------------------------------------------------|

| b.   | reference      to the specific Plan provisions on which the appeal decision is      based; |
|----------------|--------------------------------------------------------------------------------------------|

| c.   | a      statement that the Claimant is entitled to receive, upon request and free      of charge, reasonable access to, and copies of, all documents, records,      and other information relevant to the Claimant’s claim for      benefits.  (Whether a document, record, or other information is      relevant to a claim for benefits shall be determined by reference to 29      C.F.R. § 2560.503-1(m)(8)); |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| d.   | a      statement describing any voluntary appeal procedures offered by the Plan      and the Claimant’s right to obtain the information about such procedures;      and |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| e.   | a      statement of the Claimant’s right to bring an action under Section 502(a)      of the Employee Retirement Income SecurityAct. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------|

| 6.   | Notice      of Extension.  If the Committee or Board requires an extension      of time, the Committee or Board shall provide the Claimant with written or      electronic notice of the extension before the first day of the      extension.  The notice of the extension shall      include: |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a.   | an      explanation of the circumstances requiring the  extension; |
|----------------|--------------------------------------------------------------------|

| b.   | the      date by which the Committee or Board expects to render a      decision; |
|----------------|----------------------------------------------------------------------------------|

| c.   | for      purposes of an initial claim, no more than one extension of ninety (90)      days shall be allowed; and |
|----------------|------------------------------------------------------------------------------------------------------------------|

| d.   | for      purposes of an appeal, no more than one extension of sixty (60) days shall      be allowed. |
|----------------|------------------------------------------------------------------------------------------------------|

----

|    | Kansas      City Life Insurance Company |
|---------|-----------------------------------------|
|    |                                    |
|    |                                    |
|    | By:                                     | /s/      Tracy w. Knapp |
|    | Title:                                  | Senior      Vice President |
|    |                                    |
| ATTEST: |                                    |
|    |                                    |
| By:     | /s/Kimberly      K. Farrow              |   |   |
| Its:    | Assistant      Secretary                |   | (Corporate      Seal) |
|    |                                    |   |   |
|    |                                    |   |   |
|    |                                    |   | Officers: |
|    |                                    |   |   |
|    |                                    |   | /s/Mark      A. Milton |
|    |                                    |   |   |
|    |                                    |   | /s/Charles      R. Duffy |
|    |                                    |   |   |
|    |                                    |   | /s/William      A. Schalekamp |
|    |                                    |   |   |
|    |                                    |   |   |

----

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