SECURITIES AND EXCHANGE COMMISSION                                                   Washington, D.C. 20549FORM 10-K[X]      ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT         OF 1934 [FEE REQUIRED]         For the Fiscal Year ended December 31, 2001[ ]       TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE         ACT OF 1934 [NO FEE REQUIRED]         For the Transition Period from                         to                        Commission File Number 2-40764
**KANSAS CITY LIFE INSURANCE COMPANY**                                   (Exact Name of Registrant as Specified in its Charter) Missouri44-0308260 (State or Other Jurisdiction of (I.R.S. Employer Incorporation or Organization)   Identification Number)       3520 Broadway, Kansas City, Missouri   64111-2565  (Address of Principal Executive Offices)  (Zip Code)
                             Registrant's Telephone Number, including Area Code:   816-753-7000
                                 SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:   Name of Each Exchange on Title of Each Class   Which Registered    None None
                                 SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT:                                        None                                                      (Title of Class)
        Indicate by check mark if disclosure of delinquent filers pursuant to Item405 of Regulation S-K is not contained herein, and will not be contained, to the best of Registrant's knowledge,in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or anyamendment to this Form 10-K. [X]
        Indicateby check mark whether the Registrant (1) has filed all reports re-quired to befiled by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the Registrant was requiredto file such reports), and (2) has been subject to such filing requirements forthe past 90 days. 
  Yes    X      No       
        Asof January 31, 2002, 12,018,658 shares of the Company’s capital stock parvalue $1.25 were outstanding, and the aggregate market value of the common stock(based upon the average bid and asked price according to Company records) ofKansas City Life Insurance Company held by non-affiliates was approximately$137,961,792. 
Part II
                                              Documents Incorporated by ReferenceItem 5:  Market for Registrant's Common                                                                Equity and Related Stockholder                                                                Matters.Page 44 of Annual Report to                                                                shareholders for the year                                                                 ended December 31, 2001. Item 6:   Selected Financial Data.                                                    Page 24 of Annual Report to                                                   shareholders for the year                                                   ended December 31, 2001. Item 7:  Management's Discussion                                                                  and Analysis of Financial                                                                Condition and Results of                                                                Operations.                           Pages 22 through 27 of Annual                          Report to Shareholders for                          The year ended December 31,