TWENTY-SEVENTH AMENDMENT
                                         KANSAS CITY LIFE INSURANCE COMPANY                                           SAVINGS AND PROFIT SHARING PLAN
        THISTWENTY-SEVENTH AMENDMENT, comprising the restated Kansas City Life InsuranceCompany Savings and Profit Sharing Plan, except as otherwise specifically statedin the Plan, is effective the lst day of January, 2002, and is entered into byand between Kansas City Life Insurance Company, a Corporation organized andexisting under the Laws of the State of Missouri, hereinafter called the“Company”, and John K. Koetting, Robert C. Miller and Anne C. Moberg,hereinafter referred to as the “Trustees”. 

                                                      ARTICLE I
                                            Creation and Purpose of Trust
        1.1Name. The Company hereby creates this Plan and Trust to be known as the“Kansas City Life Insurance Company Savings and Profit Sharing Plan”(formerly the Kansas City Life Insurance Company Savings and Investment Plan),hereinafter sometimes re-ferred to as the “Plan” or “Trust”.         1.2Purpose. It is the purpose of this Plan to recognize the contributions ofits employees to the successful operation of the Company and to reward suchcontributions by providing certain savings and investment and profit sharingbenefits for those who become participants under the Plan, and for theirbeneficiaries.         1.3  Exclusive Benefit of Employees.  This Agreement has been made, and this Plan and Trust created, forthe exclusive benefit of the Company's full time employees and their beneficiaries.  Theterms of this Plan areintended to comply with the provisions of Sections 401(a), 501(a) and 401(k) ofthe Internal Revenue Code of 1986 as amended from time to time, and TreasuryDepartment Regu-lations in connection therewith in order that the Plan and Trustmay qualify for tax exemption. Under no circumstances shall any part of theprincipal or income of the Plan and Trust be used for, or revert to, theCompany, or be used for, or diverted to, any pur-poses other than for theexclusive benefit of the employees and their beneficiaries. This Plan andTrust shall not be construed, however, as giving any employee, or any otherperson, any right, legal or equitable as against the Company, the Trustees, orthe principal or income of the Trust, except as specifically provided forherein, nor shall it be construed as giving any employee the right to remainwith the Company or in the Company’s employment. 

                                                     ARTICLE II
                                            Qualification and Eligibility
        2.1  Qualification.  The requirements of qualification for employees are set forth hereinafter.  A.Employees.  Beginning February 1, 2002, each present and future employee shall be qualified to                  enter into a compensation reduction agreement under Paragraph 3.1 at the time specified in                  Paragraph 2.2 following the later of his date of hire or attaining the age of twenty-one (21)                  years.   Eachpresent and future employee shall be qualified to receive a matching Companycontribution as specified in Paragraph 4.1 and a discretionary profit sharingcontribution as specified in Paragraph 4.2 of this Plan,   (1)who shall have completed one (1) year of employment with the Company duringwhich he shall have com-pleted one thousand (1,000) hours of employment fromdate of hire, or if he has not completed one thousand (1,000) hours ofemployment within such period, then one thousand (1,000) hours of employ-mentduring a calendar year beginning with the calendar year which includes the firstanniversary of the employee’s date of hire, and   (2)                        who shall have attained the age of twenty-one (21) years.   (3)                        With respect to this Plan, an "hour of employment" shall mean:     (a)                                 Each hour for which an employee is directly or indirectly paid, or entitled to                                    payment, by the Company for the performance of duties.  These hours shall be                                    credited to the employee for the computation period or periods in which the                                    duties are performed; and     (b)Each hour for which back pay, irrespective of mitigation of damages, has beeneither awarded or agreed to by the Company, with no duplica-tion of credit forhours under Subparagraphs (a), (b) and (c). These hours shall be credited to theemployee for the computation period or periods to which the award or agreementpertains rather than the computation period in which the award, agreement orpayment is made. With respect to periods described in Subparagraph (c) below,crediting of back pay hours shall be subject to the limitations set forth inthat Subparagraph.     (c)Each hour for which an employee is directly or indirectly paid, or entitled topayment, by the Company for reasons such as vacation, holidays, illness,incapacity (including disa-bility), layoff, jury duty, military leave or leaveof absence in a period during which no duties are performed (irrespective ofwhether the employment relationship has terminated). These hours shall becredited to the employee for the computation period or periods during which thenonperformance of such duties occurs. No hour shall be credited based on anypayment under a plan maintained solely to comply with applicable workers’compensation, unemployment compensation, or disability insurance laws, or whichsolely reimburses an employee for medical or medically-related expenses incurredby the employee. No more than five hundred one (501) hours shall be creditedunder this Subparagraph for any con-tinuous period during which the employee didnot or would not have performed duties. Hours of service for periods of timeduring which no duties are performed under Subparagraphs (b) and (c) shall becalculated and credited according to Department of Labor Regulations2530.200b-2(b) and (c).     (d)In computing an employee’s hours of employment on a weekly or monthlybasis, when a record of hours of employment is not available to determine thehours of employment under Subparagraphs (a), (b) and (c), the employee shall beassumed to have worked forty-five (45) hours for each week, or one hundredninety (190) hours for each month (as appli-cable), for which the employee wouldbe required to be credited with at least one (1) hour of employment underSubparagraphs (a), (b) and (c) above.     (e)                                 An "hour of employment" shall also include time for which an employee is                                    absent from work either      (i)                                         by reason of the pregnancy of such employee,      (ii)                                        by reason of the birth of a child of the employee,      (iii)                                   by reason of the placement of a child in connection with the adoption                                                     of the child by the employee, or      (iv)                                        for purposes of caring for the child during the period immediately                                                     fol-lowing the birth or placement for adoption, or      (v)                                         a leave of absence covered under the Family and Medical Leave Act of                                                     1993.      However,the total number of hours of such service counted for any one (1) period shallnot exceed five hundred one (501) hours.    (4)For the purpose of computing continuous employment, leaves of absence may beincluded which have been authorized by the Company for any of the followingreasons:    (a)                                     Sickness.    (b)                                         Disability.    (c)Service with the armed forces of the United States during any war or nationalemergency declared by the President or the Congress, or undeclared.    (d)                                        Pregnancy, not to exceed twelve (12) months.    (e)                                        Public service, whether elected or otherwise.    (f)Obtaining additional education, involving periods of time not to exceed twelve(12) months for each leave of absence granted, but only after completion of one(1) full year of full time employment.    (5)Such leaves of absence may be counted in computing continuous employmentprovided the employee returns to active employment on or before the end of suchleave of absence, and when because of service in the armed forces as statedabove, provided the employee returns to active employment with the Companywithin ninety (90) days following his discharge from such service, or suchlonger period during which his re-employment rights are protected by law.    (6)Any such employee who is not qualified as a participant prior to thecommencement of such a leave of absence shall not be so qualified until hisreturn to active employment. The provisions of this Section shall be appliedin a like manner to all employees under similar circumstances.
        2.2Eligibility Date. Except as provided in the next sentence, any employeeof the Company who becomes qualified after the effective date of this Agreement,shall be eligible to become a participant as of the first (1st) business day ofthe month coinciding with or next following the employee’s qualification,whichever first occurs. Any employee of Old American Insurance Company shall beeligible to become a participant no earlier than November 1, 1992 and inaccordance with the terms of the Adoption Agreement dated December 19, 1991.         2.3Company to Furnish Eligibility Lists. Each month, the Company shalltransmit to the Committee the names of all employees and such other informationconcerning them as the Committee may request. The Committee shall then determinethe employees who are eligible, or who will be eligible as of the first (1st)business day of each month to become participants and shall notify each suchemployee in writing of the existence of this Trust and of its basic provisions,and of the employee’s eligibility, and shall provide a form or applicationfor participation, and such other forms, if any, as may be required to effectparticipation.         2.4Election to Participate. Any eligible employee who desires to become aparticipant must execute and deliver to the Committee an application forparticipation on the form provided by the Committee and such other forms, ifany, as may be required. In such application for participation, the employeeshall agree to be bound by the terms of this Plan and Trust and of allamendments hereafter adopted with the same force and effect as if the employeehad executed this Plan and Trust, and shall set forth such reason-ableinformation as may be required by the Committee to effect participation andmaintain the qualified status of this Plan and Trust.         2.5Failure to Elect. Any employee who fails to elect to become a participantat the time of first becoming eligible, may elect to commence participation onthe first (1st) business day of any succeeding month provided the employee shallthen be eligible. Any employee on a leave of absence authorized by the Company,as defined in Subparagraph A(4) hereinabove, at a time when he or she couldotherwise be eligible to become a participant, shall be eligible on the first(1st) business day of the first (1st) month coinciding with or next followingreturn to active employment with the Company provided that on such date he shallmeet the eligi-bility requirements.         2.6Participation and Service on Re-employment. Subject to the provisions ofthis Plan, participation in the Plan by an employee shall cease upon terminationof employment with the Company. Upon an employee’s termination on or afterJanuary 1, 1976, any twelve (12) month employment period during which theemployee completes less than five hundred one (501) hours of employment or workdue to a termination shall constitute a one (1) year break in service.         Uponthe re-employment by the Company of any person whose participation has beenterminated from January 1, 1976 through December 31, 1984, the following ruleshall apply in determining his participation and vesting in the Plan: 
  (a)Participation - before a break in service: If the employee is rehiredbefore he has a one (1) year break in service, he shall be eligible toparticipate in the plan on the first (1st) business day of the month immediatelyfollowing the date of his re-employment if he shall be otherwise qualified.  Aftera break in service: If an employee is rehired after he has a one (1) yearbreak in service, he shall be eligible to participate in the Plan upon hiscompletion of the requirements set forth in Paragraph 2.1 herein. (b)Service - for vested participants: In the case of a person who was vestedwhen his prior period of employment terminated, any service attributable to hisprior period of employment shall be reinstated as of the date of hisreparticipation and he shall be vested immediately upon his reparticipation.  Forother persons: In the case of a re-employed employee who was not aparticipant in the Plan during his prior period of employment, or in the case ofa participant who was not vested when his prior period of employment terminated,any service attributable to his prior period of employment shall be restoredonly if the number of consecutive years of his break in service was less thanthe aggregate number of his years of prebreak service.