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



                                                  SECOND AMENDMENT

                                                  KANSAS CITY LIFE
                                                 EXCESS BENEFIT PLAN


                                                      ARTICLE I
                                                     Definitions

1.01 "Act"  shall  mean the  Employee  Retirement  Income  Security  Act of 1974
(ERISA), as from time to time amended.

1.02  "Pension  Plan" shall mean the Kansas  City Life  Insurance  Company  Cash
Balance  Pension Plan, as amended from time to time.

1.03 "Code" shall mean the Internal  Revenue Code of 1986,  as amended from time
to time.

1.04  "Company"  shall mean  Kansas City Life  Insurance  Company and any of its
subsidiaries or affiliated business entities parti-cipating in the Pension Plan.

1.05 "Effective date" shall mean January 1, 1999.

1.06 "Maximum  benefit" shall mean the maximum benefit permitted by Sections 415
and  401(a)(17) of the Code to be paid a participant  of a defined  benefit plan
qualified under Sections 401(a) and 501(a).

1.07  "Participant"  shall mean any  employee  of the  Company  who is an active
participant in the Pension Plan on or after the effective date and whose pension
benefits determined on the basis of the provisions of such Pension Plan, without
regard to the limitations of the Code,  would exceed the maximum benefit limited
under Sections 415 and 401(a)(17) of the Code.

1.08 "Plan" shall mean the Kansas City Life Excess Benefit Plan, as from time to
time  amended or  restated,  which shall be an  unfunded  plan as defined in Act
Section 3(36) and Department of Labor Regulation 2520.104-23.

1.09  "Unrestricted  benefit" shall mean the maximum normal,  early, or deferred
vested retirement  benefit,  payable pursuant to provisions of the Pension Plan,
whichever is applicable,  determined  without  regard to the  limitations of the
Code imposed under Sections 415 and 401(a)(17).

                                                     ARTICLE II
                                                      Benefits

2.01  Normal  retirement  benefit:  Upon the  retirement  of a  participant,  as
provided under the Pension Plan, such participant shall be entitled to a benefit
equal in amount to his unrestricted benefit less the maximum benefit.

2.02 Deferred vested retirement benefit: If a participant  terminates employment
with the  Company  and is  entitled  to a  deferred  vested  retirement  benefit
provided  under the  Pension  Plan,  such a  participant  shall be entitled to a
benefit equal to his unrestricted benefit less the maximum benefit.

2.03 Spouse's pension benefit:  Subject to Section 2.04 below, upon the death of
a participant whose spouse is eligible for a pre- or  post-retirement  surviving
spouse benefit under the Pension Plan, the participant's  surviving spouse shall
be entitled to a benefit equal to the  surviving  spouse  benefit  determined in
accordance  with the  provisions  of the  Pension  Plan  without  regard  to the
limitation under Code Sections 415 and 401(a)(17) less the maximum benefit.

2.04 Optional forms of benefit payment:  A retirement benefit payable under this
ARTICLE  II  shall  be paid in a form and at a time  available  pursuant  to the
provisions  of the Pension  Plan.  The  election of the form of payment  must be
filed with the  Adminis-trative  Committee  at least six (6) months prior to the
payment being started or received,  and once made, the election is  irrevocable.
However,  a participant  entitled to a benefit from the Pension Plan in 1998 may
elect to receive a lump sum payment in 1998 without regard to this six (6) month
requirement. Partici-pants who are receiving monthly benefits on January 1, 1998
from this Plan are not eligible to elect a lump sum payment. A lump sum shall be
determined in the same manner as it is determined under the Pension Plan.

                                                     ARTICLE III
                                             Administration of the Plan

3.01  Administrator:  The  Plan  shall  be  administered  by the  Administrative
Committee  elected by the Company  pursuant to the Pension Plan,  and subject to
such authority detailed therein.  The Administrator shall have the sole duty and
responsibility of main-taining records, making the requisite  calculations,  and
disbursing  the  payments  hereunder.  The  Administrator  shall  have  full and
complete  discretionary  authority in performing its duties. The Administrator's
interpretations,  determinations,  regulations,  and calculations shall be final
and binding on all persons and parties concerned.

3.02 Amendment and termination:  Kansas City Life Insurance Company may amend or
terminate the Plan at any time,  provided,  however,  that no such  amendment or
termination  shall  adversely  affect a benefit to which a terminated or retired
participant or his beneficiary is entitled under ARTICLE II prior to the date of
such  amendment or termination  unless the  participant  becomes  entitled to an
amount  equal to such  benefit  under  another  plan or practice  adopted by the
Company.

3.03 Payments: The Company will pay all benefits arising under this Plan and all
costs, charges, and expenses relating thereto.

3.04  Non-assignability of benefits: The benefits payable hereunder or the right
to receive  future  benefits under the Plan may not be  anticipated,  alienated,
pledged,  encumbered,  or sub-jected to any charge or legal process,  and if any
attempt  is  made to do so,  or a  person  eligible  for  any  benefits  becomes
bankrupt,  the interest under the Plan of the person affected may be termi-nated
by the  Administrator  which, in its sole  discretion,  may cause the same to be
held or applied for the benefit of one or more of the  dependents of such person
or make any other disposition of such benefits that it deems appropriate.

3.05 Status of Plan: The benefits under this Plan shall not be funded, but shall
constitute liabilities by the Company payable when due.

3.06  Non-guarantee  of  employment:  Nothing  contained  in this Plan  shall be
construed as a contract of employment  between the Company and any  participant,
or as a right of any  participant  to be continued in employment of the Company,
or as a  limitation  on  the  right  of  the  Company  to  discharge  any of its
employees, with or without cause.

3.07 Applicable law: All questions pertaining to the con-struction, validity and
effect of the Plan shall be determined in accordance with the laws of the United
States and to the extent not  pre-empted  by such laws, by the laws of the State
of Missouri.

IN WITNESS WHEREOF, Kansas City Life Insurance Company has caused this Agreement
to be executed by its duly authorized officers.

KANSAS CITY LIFE INSURANCE COMPANY

By: Its:
Senior Vice President



ATTEST:




       Assistant Secretary