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, 1999



                                       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 Company
Savings and Profit Sharing Plan


Financial Statements

1999


Statement of Net Assets
  Available for Plan Benefits               1-2

Statement of Changes in Net Assets
  Available for Plan Benefits               3-4

Notes to Financial Statements               5-8

    Supplemental Schedules

Assets Held for Investment                    9

Reportable Transactions                      10

Report of Independent Auditors


<TABLE>
<CAPTION>

Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Statement of Net Assets Available for Plan Benefits
December 31, 1999
(in thousands)

                                        Fund    Fund    Fund    Fund    Fund    Fund    Fund    Fund    Fund    Loan
                                        I       II      III     IV      V       VI      VII     VIII    IX      Fund    Total
<S>                                     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>
Assets
Investments, at fair value:
  Twentieth Century Growth              6,968       -        -      -     -        -         -      -       -       -    6,968
  Kansas City Life common stock             -   3,175   22,744      -     -         -        -      -       -       -   25,919
  MetLife Guaranteed Interest Contract      -       -        -  3,850     -         -        -      -       -       -    3,850
  Vanguard Bond Index Fund                  -       -        -      -   757         -        -      -       -       -      757
  Templeton Foreign Fund                    -       -        -      -     -     3,231        -      -       -       -    3,231
  Vanguard Balanced Index Fund              -       -        -      -     -         -    1,258      -       -       -    1,258
  Fidelity Value Fund                       -       -        -      -     -         -        -  3,371       -       -    3,371
  Vanguard Extended Market Fund             -       -        -      -     -         -        -      -   2,119       -    2,119
Loans to participants                       -       -        -      -     -         -        -      -       -   1,229    1,229
      Total investments                 6,968   3,175   22,744  3,850   757     3,231    1,258  3,371   2,119   1,229   48,702

Cash                                     (144)    154        8     13    20       (73)      88    (29)    (24)      -       13
Interest receivable                         -       -        -      -     -         -        -      -       -       -        -

Net assets available
    for plan benefits                   6,824   3,329   22,752  3,863   777     3,158    1,346  3,342   2,095   1,229   48,715



See accompanying Notes to Financial Statements.

</TABLE>






1
<TABLE>
<CAPTION>

Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Statement of Net Assets Available for Plan Benefits
December 31, 1998
(in thousands)

                                        Fund    Fund    Fund    Fund    Fund    Fund    Fund    Fund    Fund    Loan
                                        I       II      III     IV      V       VI      VII     VIII    IX      Fund    Total
<S>                                     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>
Assets
Investments, at fair value:
  Twentieth Century Growth              5,295       -        -      -     -         -       -       -       -       -    5,295
  Kansas City Life common stock             -   4,182   31,390      -     -         -       -       -       -       -   35,572
  MetLife Guaranteed Interest Contract      -       -        -  5,258     -         -       -       -       -       -    5,258
  Vanguard Bond Index Fund                  -       -        -      -   748         -       -       -       -       -      748
  Templeton Foreign Fund                    -       -        -      -     -     2,511       -       -       -       -    2,511
  Vanguard Balanced Index Fund              -       -        -      -     -         -   1,119       -       -       -    1,119
  Fidelity Value Fund                       -       -        -      -     -         -       -   3,358       -       -    3,358
  Vanguard Extended Market Fund             -       -        -      -     -         -       -       -   1,416       -    1,416
Loans to participants                       -       -        -      -     -         -       -       -       -   1,269    1,269
     Total investments                  5,295   4,182   31,390  5,258   748     2,511   1,119   3,358   1,416   1,269   56,546

Cash                                       39      (5)      81     23     5        (3)      9      39       7       -      195

Net assets available
    for plan benefits                   5,334    4,177  31,471  5,281   753     2,508   1,128   3,397   1,423   1,269   56,741



See accompanying Notes to Financial Statements.
</TABLE>







2
<TABLE>
<CAPTION>

Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Statement of Changes in Net Assets Available for Plan Benefits
Year ended December 31, 1999
(in thousands)

                                        Fund    Fund    Fund    Fund    Fund    Fund    Fund    Fund    Fund    Loan
                                        I       II      III     IV      V       VI      VII     VIII    IX      Fund    Total
<S>                                     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>

Contributions:
  Employer                                  -        -   1,431       -    -        -       -       -       -      -       1,431
  Employee                                577      182       -     294   78      231     150     386     222      -       2,120
  Rollover                                 33        -       -       1    3        1       8      15      10      -          71
                                          610      182   1,431     295   81      232     158     401     232      -       3,622

Investment income, net:
  Interest                                  -        -      13     301    -        -       -       -       -      -         314
  Interest on participant loans            30        8       -      17    3        8       6      17      12      -         101
  Dividends                               785       95     713       -   52      119      46     421     203      -       2,434
  Net appreciation (depreciation)
     on investments                     1,066     (671) (4,819)      -  (55)     845     108    (139)    357      -      (3,308)
  Net investment income                 1,881     (568) (4,093)    318    -      972     160     299     572      -        (459)




Employee withdrawals                     (890)  (1,215) (6,005) (1,576) (93)    (424)   (258)   (484)   (192)      -    (11,137)
Forfeitures                                 -        -     (52)      -    -        -       -       -       -       -        (52)
Participant loans:  Made                 (185)     (12)      -    (126) (12)     (42)    (18)    (96)    (40)    531          -
                    Repaid                164       42       -     112   18       51      29      91      64    (571)         -
Transfer from (to) other funds            (90)     723       -    (441)  30     (139)    147    (266)     36       -          -



Net assets available for
   plan benefits:
  Net increase (decrease)               1,490     (848) (8,719) (1,418)  24       650     218     (55)    672     (40)   (8,026)
  Beginning of year                     5,334    4,177  31,471   5,281  753     2,508   1,128   3,397   1,423   1,269    56,741

      End of year                       6,824    3,329  22,752   3,863  777     3,158   1,346   3,342   2,095   1,229    48,715



See accompanying Notes to Financial Statements.

</TABLE>

3
<TABLE>
<CAPTION>

Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Statement of Changes in Net Assets Available for Plan Benefits
Year ended December 31, 1998
(in thousands)

                                        Fund    Fund    Fund    Fund    Fund    Fund    Fund    Fund    Fund    Loan
                                        I       II      III     IV      V       VI      VII     VIII    IX      Fund    Total
<S>                                     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>     <C>
Contributions:
  Employer                                  -        -   1,448      -     -         -       -       -       -       -    1,448
  Employee                                486      226       -    314    71       288     120     443     201       -    2,149
  Rollover                                  7        -       -      -    10         -       -      24      17       -       58
                                          493      226   1,448    314    81       288     120     467     218       -    3,655
Investment income, net:
  Interest                                  -        -       8    329     -         -       -       -       -       -      337
  Interest on participant loans            27        8       -     17     3        11       5      21      10       -      102
  Dividends                               869      103     681      -    44       266      38     463     108       -    2,572
  Net appreciation (depreciation)
     on investments                       488     (170) (1,490)     -    13      (378)    109    (473)      1       -   (1,900)
  Net investment income                 1,384      (59)   (801)   346    60      (101)    152      11     119       -    1,111


Employee withdrawals                     (118)  (1,739) (2,374)  (420)  (43)      (77)     (9)   (136)    (14)      -   (4,930)
Forfeitures                                 -        -     (39)     -     -         -       -       -       -       -      (39)
Participant loans:  Made                 (201)     (54)      -   (192)  (31)      (69)    (20)    (95)    (35)    697        -
                    Repaid                153       39       -    114    17        66      22     128      48    (587)       -
Transfer from (to) other funds             48      243       -   (161)  (11)     (141)    205    (154)    (29)      -        -


Net assets available for
   plan benefits:
  Net increase (decrease)               1,759   (1,344) (1,766)     1    73       (34)    470     221     307     110     (203)
  Beginning of year                     3,575    5,521  33,237  5,280   680     2,542     658   3,176   1,116   1,159   56,944
      End of year                       5,334    4,177  31,471  5,281   753     2,508   1,128   3,397   1,423   1,269   56,741

See accompanying Notes to Financial Statements.
</TABLE>


4



Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Notes To Financial Statements


ORGANIZATION

The Kansas City Life  Insurance  Company  Savings and Profit  Sharing  Plan (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).  The Plan is administered by a
committee  appointed by the  Executive  Committee  of the Company.  The Plan has
three  trustees who are also officers of the Company.  The Plan consists of nine
funds.  Fund I invests in a growth  stock  fund.  Funds II and III invest in the
Company's  common  stock.  All Company  contributions  and earnings  thereon are
included in Fund III. Fund IV invests in a guaranteed interest contract.  Fund V
invests in an investment  grade bond fund.  Fund VI invests in a managed  global
common stock fund.  Fund VII invests in a balanced index fund. Fund VIII invests
in a capital  appreciation stock fund. Fund IX invests in a small capitalization
stock index fund.

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of Presentation

The  accompanying  financial  statements  of the Plan have been  prepared on the
basis of generally accepted accounting principles.

Use of Estimates

The preparation of financial  statements in conformity  with generally  accepted
accounting principles requires management to make estimates and assumptions that
affect the amounts reported in the financial  statements and accompanying notes.
Actual results could differ from those estimates.

Valuation of Investments

The  investments  of the Plan in Funds I and V through IX are  reported  at fair
value based upon net asset value of the mutual fund shares held. The investments
in Funds II and III are reported at fair value based upon December's average bid
price.  Investments  in Fund IV are reported at the contract  value as stated in
the guaranteed  interest  contract,  which  approximates fair value. The cost of
investments sold is determined on the average cost basis.  Participant loans are
valued at cost, which approximates fair value.

Expenses

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



NOTES TO FINANCIAL STATEMENTS (continued)


ELIGIBILITY

Each  employee,  who is at least 21 years of age and has  completed  one year of
employment,  with a minimum of 1,000  hours of  employment  from date of hire is
qualified to participate in the Plan.

CONTRIBUTIONS

Participants  may elect to  contribute  from 1 to 15 percent of their  unreduced
monthly base salary to the Plan.  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.  The maximum  contribution for
an individual participant was $10,000 in both years.

The  Company  matches  participant  contributions,   up  to  6  percent  of  the
participant's  salary,  using  current  or  accumulated  earnings  and  profits.
Matching  contributions  are made to the Plan as soon as practical after the end
of each  month.  The  Company's  contributions  are made in common  stock of the
Company.  The Company may also  contribute  a profit  sharing  amount of up to 4
percent of salary  depending upon the Company's  profit  performance.  No profit
sharing contributions were made in either year.

WITHDRAWALS AND LOANS

The Plan allows a  participant  to withdraw all or a part of the value of his or
her  account  which was  contributed  prior to January  1, 1988.  The value of a
participant  account  attributable to  contributions  after that date may not be
withdrawn except in cases of extreme financial  hardship.  Hardship  withdrawals
are  subject  to the  approval  of the  Administrative  Committee,  and any such
withdrawal  will be limited to the  amount of actual  contributions  made to the
Plan.  Gains  associated with the  contributions or any of the matching Fund III
amounts may not be withdrawn for any reason.

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 a loan used to acquire a primary  residence,  which
may be for up to ten years.



6



NOTES TO FINANCIAL STATEMENTS (continued)


INVESTMENTS

The guaranteed  interest  contract held by the Plan provided an average yield of
6.16 percent  (6.51  percent - 1998).  The December 31 crediting  rates was 6.05
percent (6.55 percent - 1998). These rates are reset every three months.

The fair value of individual investments that represent 5 percent or more of the
Plan's participating  employees' net assets available for plan benefits follows.

                                                             1999        1998
                                                              (in thousands)

Twentieth  Century  Growth Stock Fund,
    215,871 shares (194,970  shares - 1998)                 $6,968       5,295
Kansas City Life Insurance  Company common stock,
    753,695  shares  (430,265  shares - 1998)               25,919      35,572
Met Life Managed
Guaranteed  Interest Contract                                3,850       5,258
Templeton Foreign Fund, 287,936 shares
   (299,258  shares - 1998)                                  3,231       2,511
Fidelity  Value Fund 76,941 shares (72,449
    shares - 1998)                                           3,371       3,358



The fair value of the Plan's investments has changed as follows.

                          1999                           1998

                                  Net                           Net
                              Appreciation                  Appreciation
                             (Depreciation)                (Depreciation)
                Fair Value    In Fair Value     Fair Value  In Fair Value
                    (in thousands)                   (in thousands)

Fund I          $6,968         1,066           $5,295            488
     II          3,175          (671)           4,182           (170)
     III        22,744        (4,819)          31,390         (1,490)
     IV          3,850             -            5,258              -
     V             757           (55)             748             13
     VI          3,231           845            2,511           (378)
     VII         1,258           108            1,119            109
     VIII        3,371          (139)           3,358           (473)
     IX          2,119           357            1,416              1

Total          $47,473        (3,308)         $55,277         (1,900)



7



NOTES TO FINANCIAL STATEMENTS (continued)


VESTING

Company  contributions  vest to the  participant 30 percent after three years of
employment,  40 percent  after four years and an additional 20 percent each year
thereafter until the participant is fully vested in Company  contributions after
seven years.  Non-vested balances of terminated  participants are used to reduce
the Company's contributions.

PLAN DOCUMENT

The Plan document is available upon request.  Participants  should refer to this
document for a more complete description of the Plan's provisions.

TAX STATUS

The Internal Revenue Service has issued a determination letter dated January 20,
2000  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. 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.  The Plan
administrator  believes  the  Plan is  being  operated  in  compliance  with the
applicable  requirements of the Internal Revenue Code and,  therefore,  believes
that the Plan is qualified and the related trust is tax-exempt.

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 nonforfeitable
and distributions would be made as promptly as possible.

IMPACT OF YEAR 2000 (unaudited)

The  Company  converted  its  administrative  system  in order  to be year  2000
compliant. The costs related to this conversion were minor and were borne by the
Company and therefore did not have an effect on the Plan's financial statements.
The year 2000 issue did not have any further impact on the Plan.




8




Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Assets Held for Investment
December 31, 1999
(in thousands, except shares)

                                                Number of
                                                Shares or                Fair
Description of Investments                      Par Value        Cost    Value

Common stock:
Kansas City Life Insurance Company *            753,695 shares   14,989   25,919

Managed funds:
Twentieth Century Growth Stock Fund             215,871 shares    4,580    6,968
MetLife Managed Guaranteed Interest Contract     $3,850 par value 3,850    3,850
Vanguard Bond Index Fund                         79,221 shares      785      757
Templeton Foreign Fund                          287,936 shares    2,593    3,231
Vanguard Balanced Index Fund                     62,209 shares      957    1,258
Fidelity Value Fund                              76,941 shares    3,556    3,371
Vanguard Index Trust-Extended Market Fund        57,152 shares    1,593    2,119
    Total managed funds                                          17,914   21,554

Loans:
Loans to participants (interest rates range from
  6.5% to 10.0%)                                -                 1,229    1,229

                                                                 34,132   48,702



* Party-in-interest to the Plan.













9




Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Reportable Transactions
Year ended December 31, 1999
(in thousands, except shares)


Party Involved and
Description of Asset    Transactions    Shares   Cost  Consideration  Net Gain


Category (iii)--series of transactions in excess of 5 percent of plan assets:

Kansas City Life
  common stock *          11 purchases  451,356  $1,351       -           -

Kansas City Life
  common stock *          15 sales      127,926   2,751     5,514       2,763



There were no category (i), (ii), or (iv) reportable transactions during 1999.




* Party-in-interest to the Plan.
















10





Report of Independent Auditors

The Board of Trustees
Kansas City Life Insurance Company
Savings and Profit Sharing Plan

We have audited the  accompanying  statements  of net assets  available for plan
benefits of the Kansas City Life  Insurance  Company  Savings and Profit Sharing
Plan (the Plan) as of December 31, 1999 and 1998, and the related  statements of
changes in net assets  available  for plan  benefits  for the years then  ended.
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. 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 at
December 31, 1999 and 1998, and the changes in its net assets available for plan
benefits  for the years  then ended in  conformity  with  accounting  principles
generally accepted in the United States.

Our audits were performed for the purpose of forming an opinion on the financial
statements taken as a whole. The accompanying  supplemental  schedules of assets
held for investment as of December 31, 1999 and reportable  transactions for the
year then ended are presented  for purpose of additional  analysis and are not a
required  part of the financial  statements  but are  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.  These
supplemental  schedules are the  responsibility  of the Plan's  management.  The
supplemental schedules have been subjected to the auditing procedures applied in
our audits of the financial statements and, in our opinion, are fairly stated in
all material respects in relation to the financial statements taken as a whole.

Ernst & Young LLP

Kansas City, Missouri
February 18, 2000