Exhibit 99(a), Form 10-K
                                                                                                     Kansas City Life Insurance Company

SECURITIES AND EXCHANGE COMMISSION
                                                        Washington, D. C. 20549

# FORM 11-K

| | [ ] | ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
                          ACT OF 1934 [FEE REQUIRED]
                               For the fiscal year ended December 31, 2002
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR

| | [ ] | TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
                  ACT OF 1934 [NO FEE REQUIRED]
                  For the transition period from __________ to ___________
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Commission File Number 2-40764

| | A. | Kansas City Life Insurance Company Savings and Profit Sharing Plan
                           3520 Broadway
                           Kansas City, Missouri 64111-2565
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | B. | Kansas City Life Insurance Company
                           3520 Broadway
                           Kansas City, Missouri 64111-2565                                

Kansas City
Life Insurance CompanySavings and Profit
Sharing Plan

Financial Statements
and Supplemental Schedule

# 2002

| | Statement of Net Assets                        
| | -----------------------------------------------
| | Available for Plan Benefits...................1
| |                                                
| | Statement of Changes in Net Assets             
| | Available for Plan Benefits...................2
| |                                                
| | Notes to Financial Statements.............3-7  
| |                                                
| | Supplemental Schedule                          
| |                                                
| | Assets Held at End of Year...................8 
| |                                                
| | Independent Auditors' Report                   

KANSAS CITY LIFE INSURANCE COMPANY
SAVINGS AND PROFIT SHARING PLANSTATEMENT OF NET ASSETS AVAILABLE FOR PLAN BENEFITS

`December 31
                                                                       2002        2001     
                                                                        (in thousands)
Assets:
    Investments:
      Participant directed:
        Mutual funds, at fair value                                   $ 14,045      17,397
        Guaranteed interest contract, at contract value                  6,405       5,132
        Kansas City Life Insurance Company common stock, at fair value   2,583       2,666
      Non-participant directed:
        Kansas City Life Insurance Company common stock, at fair value  27,859      26,094
        Participant loans, at unpaid balances                            1,327       1,307  


             Total investments                                          52,219      52,596

    Cash                                                                   244           6
    Employer contributions receivable                                        -          96
    Participant contributions receivable                                     -         128  

             Net assets available for plan benefits                   $ 52,463      52,826
                                                                      ==========  ==========`

See accompanying notes to financial statements.

KANSAS CITY LIFE INSURANCE COMPANY
                                       SAVINGS AND PROFIT SHARING PLANSTATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR PLAN BENEFITS

`2002                
                                                                    Non-
                                                     Participant participant
                                                      directed     directed      Total  
                                                                 (in thousands)
Additions to net assets attributed to:
     Investment income:
        Interest income                                 $ 308           95          403
        Dividend income                                    77          762          839
        Net appreciation (depreciation) in fair value
           of investments                              (2,252)       2,524          272 

           Net investment income (loss)                (1,867)       3,381        1,514 

     Contributions:
        Participants                                    2,389            -        2,389
        Employer                                            -        1,362        1,362 

                 Total contributions                    2,389        1,362        3,751 

                 Total additions                          522        4,743        5,265

Distributions to participants and beneficiaries        (2,756)      (2,872)      (5,628)

Interfund transfers                                        73          (73)           - 

              Net increase (decrease)                  (2,161)       1,798         (363)

Net assets available for plan benefits:
     Beginning of year                                 25,328       27,498       52,826 

     End of year                                     $ 23,167       29,296       52,463
                                                     =========   ==========    =========`

See accompanying notes to financial statements.

# KANSAS CITY
LIFE INSURANCE COMPANY
SAVINGS AND PROFIT
SHARING PLANNOTES TO
FINANCIAL STATEMENTS

## (1)  
DESCRIPTION OF PLAN

The following description
of the Kansas City Life Insurance Company Savings and Profit Sharing Plan (the
Plan) provides only general information. Participants should refer to the Plan
Agreement for a more comprehensive description of the Plans provisions.

The Plan is a defined
contribution benefit plan sponsored by Kansas City Life Insurance Company (the
Company) and is subject to the provisions of the Employee Retirement Income
Security Act of 1974 (ERISA). Management believes it is in compliance with such
provisions. The Plan is administered by an Administrative Committee appointed by
the Executive Committee of the Company. The Plan has three trustees who are also
officers of the Company.

Eligibility

Each employee who is at
least 21 years of age is eligible to participate in the elective deferral
portion of the Plan as of the first business day of the month following his or
her hire date or subsequently reaching age 21. After completing one year of
employment with a minimum of 1,000 hours of employment, an employee is eligible
to participate in the matching Company contribution and the discretionary profit
sharing contribution of the Plan.

Contributions

Participants may elect to
contribute to the Plan any percentage not to exceed one hundred percent of their
unreduced monthly base salary subject to maximum contribution limitations
established by the Internal Revenue Service (IRS). Contribution percentages can
only be changed once in any six-month period. The maximum contribution for any
participant who is classified as highly compensated is 6 percent. Participants
who attained the age of 50 before the end of the current plan year were eligible
to make catch-up elective contributions.

The Company matches
participant contributions up to 6 percent of the participants salary. The
Company may also contribute a profit sharing amount of up to 4 percent of
salary. The Companys contributions are made in common stock of the
Company. The Company did not make a profit sharing contribution for 2002.

Participant Accounts

Each participants
account is credited with the participants contribution and allocations of
(a) the Companys contributions and (b) Plan net earnings. Allocations are
based on participant earnings or account balances, as defined. Each participant
is entitled to the benefit that can be provided from the participants
vested account.  Participants are allowed to direct the
investment of their contributions among the nine funds offered by the Plan. Fund
allocation changes can be made monthly.

Vesting

Participants are vested
immediately in their contributions plus actual earnings there on. Company
contributions vest to the participant 20 percent after two years of employment,
and an additional 20 percent each year thereafter until the participant is fully
vested in Company contributions.

Participant Loans

Participants may request a
loan from the 401(k) portion of their elective accounts under the terms and
conditions established by the Administrative Committee. The amount that may be
borrowed is limited in accordance with the Internal Revenue Code Section 72(p).
Loans will be made for a period no longer than five years, except for loans used
to acquire a primary residence. The loans are secured by the balance in the
participants accounts and bear interest at current market rates that range
from 4.75 percent to 10.0 percent. Principal and interest is paid ratably
through payroll deductions.

Payment of Benefits

On termination of service
due to death, disability, or retirement, a participant may elect to receive
either a lump-sum amount equal to the value of the participants vested
interest in his or her account, or an annuity providing for equal monthly
installments for a period of 120 months certain and for the remainder of his or
her lifetime.

Forfeited Accounts

Forfeited balances under
the Plan are used to reduce the Companys matching contributions. Forfeited
balances were $31,000 for 2002.

## (2)   SUMMARY OF
SIGNIFICANT ACCOUNTING POLICIES

Basis of Presentation

The accompanying financial statements
of the Plan have been prepared on the accrual basis of accounting.

Use of Estimates

The preparation of
financial statements in conformity with accounting principles generally accepted
in the United States of America requires the plan administrator to make
estimates and assumptions that affect the reported amounts of assets and
liabilities and disclosure of contingent assets and liabilities at the date of
the financial statements, and the reported amounts of revenues and expenses
during the reporting period. Actual results could differ from those estimates.

Valuation of Investments and Income Recognition

The investments of the Plan
in mutual funds are reported at fair value based upon the net asset value of the
mutual fund shares held. The investments in Company common stock are reported at
fair value based upon Decembers average bid price. Investments in the
Guaranteed Interest Account are reported at the contract value as stated in the
guaranteed interest contract, which approximates fair value (see Note 4).
Participant loans are valued at unpaid balances, which approximates fair value.
The cost of investments sold is determined on the average cost basis. Purchases
and sales of securities are recorded on the trade date. Interest income is
recorded as earned. Dividend income is recorded on the ex-dividend date.

Expenses

With the exception of
mutual fund administrative fees, all costs associated with the administration of
the Plan are borne by the Company.

Payments of Benefits

Benefits are recorded when
paid.

## (3)   INVESTMENTS

The fair value of
individual investments that represent 5 percent or more of the Plans net
assets available for plan benefits follows:

`December 31
                                                      2002                    2001
                                                      ----                    ----
Participant Directed:                                      (in thousands)
American Century Growth Stock Fund                   $3,948                  5,552
Kansas City Life Insurance Company common stock       2,583                  2,666
MetLife Managed Guaranteed Interest Contract          6,405                  5,132
Fidelity Value Fund                                   3,630                  4,352


Non-Participant Directed:
Kansas City Life Insurance Company common stock     $27,859                 26,094

The fair value of the Plans investments has changed during 2002 as follows:

                                                                              Net
                                                                         Appreciation
                                                                        (Depreciation)
                                                     Fair Value          In Fair Value
                                                     ----------          -------------
Participant Directed:                                         (in thousands)
Mutual Funds                                         $14,045                (2,499)
Guaranteed Interest Contract                           6,405                     -
Kansas City Life Insurance Company common stock        2,583                   247

Non-Participant Directed:
Kansas City Life Insurance Company common stock       27,859                 2,524
                                                     -------               -------
Total                                                $50,892                   272
                                                     =======               =======`

## (4)   GUARANTEED INTEREST CONTRACT

The Plan entered into a
fully benefit-responsive guaranteed interest contract with MetLife Insurance
Company (MetLife). MetLife maintains the contributions in a general account. The
account is credited with earnings on the underlying investments and charged for
participant withdrawals and administrative expenses. The contract is included in
the financial statements at contract value as reported to the Plan from MetLife.
Contract value represents contributions made under the contract plus earnings
and less participant withdrawal and administrative expenses. Participants may
ordinarily direct the withdrawal or transfer of all or a portion of their
investment at contract value. There are no reserves against contract value for
credit risk of the contract issuer or otherwise. The average yield and crediting
interest rates were approximately 6 percent for 2002 and 2001. The crediting
interest rate is based upon an agreed-upon formula with the issuer, but cannot
be less than zero. Such interest rates are reviewed on a quarterly basis for
resetting purposes.

## (5)   TAX STATUS

The IRS has issued a
determination letter dated July 22, 2002 that, in form, the Plan and Trust
forming a part thereof, meet the requirements of the Internal Revenue Code
Section 401(a) as a qualified plan and trust. However, the Plan has been amended
since the determination letter was received. The Plan sponsor believes the Plan
is designed and is currently being operated in compliance with the applicable
requirements of the Internal Revenue Code. If the Plan qualifies in operation,
the Trusts earnings will be exempt from taxation, the Companys
contributions will be deductible, and each participant will incur no current tax
liability on either the Companys contributions or any earnings of the
trust credited to the participants account prior to the time that such
contributions or earnings are withdrawn or made available to the participant. At
the time a distribution occurs, whether because of retirement, termination,
death, disability or voluntary withdrawal of funds, any amounts distributed
comprised of Company contributions, employee pretax contributions, and earnings
on contributions of the Company or the participant shall be taxed to the
participant at the tax rate then in effect.

## (6)   PLAN
TERMINATION

Although the Company has
not expressed any intent to terminate the Plan, it may do so at any time by
adoption of a written resolution by the Companys Board of Directors or the
Executive Committee of the Board of Directors. Upon termination of the Plan,
participants accounts would become fully vested and non-forfeitable and
distributions would be made as promptly as possible.

## (7)  
RECONCILIATION OF FINANCIAL STATEMENTS TO FORM 5500

The following reconciles net assets available for plan benefits per the financial statements to the Form 5500:

`December 31
                                                           2002                  2001
                                                           ----                  ----
                                                                  (in thousands)
         Net assets available for benefits per
               the financial statements                   $52,463              52,826
         Amounts allocated to withdrawing
               participants                                  (276)               (741)
                                                          -------             -------
         Net assets available for benefits per
               the Form 5500                              $52,187              52,085
                                                          =======              ======`

The following is a reconciliation of benefits paid to participants per the financial statements  for the year ended December 31, 2002
to the Form 5500: (in thousands)

`Benefits paid to participants
               per the financial statements                           $5,628
         Add: Amounts allocated to withdrawing
               participants at December 31, 2002                         276
         Less: Amounts allocated to withdrawing
              participants at December 31, 2001                         (741)
                                                                      ------
         Benefits paid to participants per
               Form 5500                                              $5,163
                                                                      ======`

Amounts allocated to
withdrawing participants are recorded on the Form 5500.

KANSAS CITY LIFE INSURANCE COMPANY
                           SAVINGS AND PROFIT SHARING PLANSCHEDULE H, LINE 4i - SCHEDULE OF ASSETS HELD AT END OF YEAR
                     EMPLOYER IDENTIFICATION NUMBER: 44-0308260
                                  PLAN NUMBER: 003
    DECEMBER 31, 2002(in thousands)

`( b )
         Identity of issue,                     ( c )                                           ( e )
         borrower, lessor or  Description of investment including maturity date,    (d)        Current
( a )     similar party      rate of interest, collateral, par, or maturity value  Cost        Value

       Participant directed investments:
       Common stock:
  *                           Kansas City Life Insurance Company                  $ 1,665       2,583

       Mutual funds:
                              American Century Growth Stock Fund                    5,939       3,948
                              Vanguard Bond Index Fund                                970       1,007
                              Templeton Foreign Fund                                2,149       1,956
                              Vanguard Balanced Index Fund                          1,641       1,528
                              Fidelity Value Fund                                   3,651       3,630
                              Vanguard Index Trust-Extended Market Fund             2,240       1,589
                              Vanguard 500 Index Fund                                 478         387
                                  Total mutual funds                               17,068      14,045

       Guaranteed interest contract:
                              MetLife Managed Guaranteed Interest Contract          6,405       6,405

            Total participant directed investments                               $ 25,138      23,033
                                                                                 ========    ========

       Non-participant directed investments:

       Common stock:
  *                           Kansas City Life Insurance Company                 $ 16,012      27,859

       Participant loans:
  *                           4.75 percent to 10.0 percent                              -       1,327

            Total non-participant directed investments                           $ 16,012      29,186
                                                                                 ========    ========


  *    Party-in-interest to the Plan.`

See accompanying Independent Auditors' Report.

# Independent
Auditors Report

The Board of Directors
Kansas City Life Insurance Company:

We have audited the
accompanying statement of net assets available for plan benefits of Kansas City
Life Insurance Company Savings and Profit Sharing Plan (the Plan) as of December
31, 2002 and 2001, and the related statement of changes in net assets available
for benefits for the year ended December 31, 2002. These financial statements
are the responsibility of the Plans management. Our responsibility is to
express an opinion on these financial statements based on our audits.

We conducted our audits in
accordance with auditing standards generally accepted in the United States of
America. Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether the financial statements are free of material
misstatement. An audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements. An audit also includes
assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation.
We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the
financial statements referred to above present fairly, in all material respects,
the net assets available for plan benefits of the Plan as of December 31, 2002
and 2001, and the changes in net assets available for benefits for the year
ended December 31, 2002 in conformity with accounting principles generally
accepted in the United States of America.

Our audits were made for
the purpose of forming an opinion on the basic financial statements taken as a
whole. The supplemental schedule of Schedule H, Line 4i  Schedule of
Assets Held at End of Year is presented for the purposes of additional analysis
and is not a required part of the basic financial statements, but is
supplementary information required by the Department of Labors Rules and
Regulations for Reporting and Disclosure under the Employee Retirement Income
Security Act of 1974. The supplemental schedule is the responsibility of the
Plans management. The supplemental schedule has been subjected to the
auditing procedures applied in the audits of the basic financial statements and,
in our opinion, is fairly stated in all material respects in relation to the
basic financial statements taken as a whole.

/s/KPMG LLP

March 19, 2003
Kansas City, Missouri