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| TABLE      OF CONTENTS                                                                                                                                                                                                                              |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
| Definitions………………………………………………………………………………………. | 2      |
| Description      of Plan…………………………………………………………………………….                | 3-15   |
| Description      of Capital Stock of the      Company…………………………………………...............................................................                | 15-16  |
| Incorporation      of Certain Documents      by  Reference…………………………………….....................................................................         | 16-17  |
| Additional      Information………………………………………………………………………..                          | 17-22  |
| Cautionary      Forward Looking Statements…………………………………………………                                                                     | 22-23  |
| Description      of Investment Funds and Past Performance for EachFund……………                                                                                                                                           | 24-28  |

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| 1.   | For      employees hired in 1997 or earlier who were not eligible to make an      compensation reduction agreement as of December 31, 1997 but who choose to      make the agreement when they first become eligible to participate, the      Company will match the participant's compensation reduction $1.00 for each      $1.00 deferred up to a maximum of 6% of the participant's      compensation. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | For      all other employees, the Company's matching contribution will vary      depending on the employee's years of employment according to the following      schedule: |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Years      of Employment | Matching      Amount per $1.00 Deferred (Counting Deferrals up to 6% of      Compensation) |
|--------------------------|--------------------------------------------------------------------------------------------|
| Less      than 5         | $0.50                                                                                      |
| 5 –      9         | 0.75                                                                                       |
| 10      or More          | 1.00                                                                                       |

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|   | Years      of Employment                                   | 1  | 2   | 3   | 4   | 5   | 6    | 7      |
|--------|------------------------------------------------------------|----|-----|-----|-----|-----|------|--------|
| A.     | Percentage      Vested(post      – 2001 service)     | 0% | 20% | 40% | 60% | 80% | 100% |   |
| B.     | Percentage      Vested(pre      – 2002 service only) | 0% | 0%  | 30% | 40% | 60% | 80%  | 100%   |

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| (a)   | Fifty      thousand dollars ($50,000.00) reduced by the excess of the highest      outstanding balance of loans to the participant during the twelve (12)      month period ending on the day before the date on which such loan is made,      over the outstanding balance of loans to the participant on the date on      which such loan is made, or |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | The      greater of ten thousand dollars ($10,000.00) or one-half (1/2) of the      value of the participant's elective account as of the valuation date      coincident with or next preceding the date as of which the loan is      calculated. No loan may exceed the value of a participant's elective      accounts. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | A      third limitation may further reduce a second or subsequent loan by the      amount of an existing loan balance. |
|-----------------|------------------------------------------------------------------------------------------------------------------------|

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| Name                         | Address                                      | Position      with the Company                                |
|------------------------------|----------------------------------------------|---------------------------------------------------------------|
| Kathryn      L. Church  | 3520      BroadwayKansas      City, Missouri | Assistant      Vice President & Director, Human Resources |
| Charles      R. Duffy, Jr.   | 3520      BroadwayKansas      City, Missouri | Senior      Vice President, Operations                        |
| David      A. Laird     | 3520      BroadwayKansas      City, Missouri | Vice      President and Controller                            |
| Jill      M. Worstell        | 3520      BroadwayKansas      City, Missouri | Assistant      General Counsel                                |
|                         |                                         |                                                          |

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| Name                       | Address                                      | Position      with the Company            |
|----------------------------|----------------------------------------------|-------------------------------------------|
| Charles      R. Duffy, Jr. | 3520      BroadwayKansas      City, Missouri | Senior      Vice President, Operations    |
| Tracy      W. Knapp        | 3520      BroadwayKansas      City, Missouri | Senior      Vice President, Finance (PFO) |
| Mark      A. Milton        | 3520      BroadwayKansas      City, Missouri | Senior      Vice President & Actuary  |
|                       |                                         |                                      |

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| ·   | the      Articles of Incorporation of Kansas City Life (as Restated in 1986 and      Amended in 1999); and |
|--------------------|------------------------------------------------------------------------------------------------------------|

| ·   | the      Bylaws of Kansas City Life as Amended and Restated October 29,      2007. |
|--------------------|------------------------------------------------------------------------------------|

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| ·   | A      classified Board of Directors, in which the Board is divided into three      classes with directors serving three-year terms, so that members of one of      the three classes of directors will be elected at each annual meeting of      the shareholders. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | A      "fair price" provision which generally requires that certain "business      combinations" with a " related person" (generally the beneficial owner of      at least 5 percent of Kansas City Life's voting stock) be approved by the      holders of at least 66 2/3 percent of Kansas City Life's voting stock      (excluding shares held by such relatedperson). |
|--------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | A      requirement that any amendment of the articles of incorporation be      approved by the affirmative vote of the holders of more than 66 2/3      percent of the capital stock voting on such question, but in no event may      the articles be amended by a vote of less than a majority of the      outstanding shares. |
|--------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | incorporated      documents are considered part of this  prospectus; |
|--------------------|----------------------------------------------------------------------|

| ·   | the      Company can disclose important information referring to these documents;      and |
|--------------------|--------------------------------------------------------------------------------------------|

| ·   | information      that the Company files with the SEC will automatically update and      supersede this prospectus and any previously incorporated      information. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | the      Company's annual report on Form 10-K for the year ended December 31,      2008; |
|--------------------|------------------------------------------------------------------------------------------|

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| ·   | the      Plan's annual report on Form 11-K for the year ended December 31,      2008; |
|--------------------|---------------------------------------------------------------------------------------|

| ·   | the      Company's quarterly report on Form 10-Q for the quarter ended March 31,      2009; |
|--------------------|---------------------------------------------------------------------------------------------|

| ·   | all      reports filed under Sections 13(a) and 13(c) of the Exchange      Act; |
|--------------------|---------------------------------------------------------------------------------|

| ·   | all      definitive proxy or information statements filed under Section 14 of the      Exchange Act; and |
|--------------------|----------------------------------------------------------------------------------------------------------|

| ·   | all      reports filed under Section 15(d) of the Exchange  Act, |
|--------------------|------------------------------------------------------------------|

| Kansas      City Life Insurance Company3520      BroadwayKansas      City, Missouri 64111-2565Attention:      Director, Human ResourcesTelephone      Number: (816) 753-7000 |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| ·   | The      amount of benefits to which the Claimant is  entitled. |
|--------------------|-----------------------------------------------------------------|

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| ·   | The      duration of such benefit. |
|--------------------|------------------------------------|

| ·   | The      time the benefit is to commence. |
|--------------------|-------------------------------------------|

| ·   | Other      pertinent information concerning thebenefit. |
|--------------------|---------------------------------------------------------|

| ·   | The      specific reason that the claim wasdenied. |
|--------------------|----------------------------------------------------|

| ·   | A      reference to the specific plan provisions on which the denial was      based. |
|--------------------|--------------------------------------------------------------------------------------|

| ·   | A      description of any additional material or information necessary to perfect      the claim, and an explanation of why this material or information is      necessary. |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | A      description of the plan's appeal procedures and the time limits that apply      to such procedures, including a statement of the employee's right to bring      a civil action under ERISA Section 502(a) if the claim is denied on      appeal. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| ·   | The      specific reason or reasons for the appeal  decision. |
|--------------------|---------------------------------------------------------------|

| ·   | Reference      to the specific plan provisions on which the appeal decision is      based. |
|--------------------|--------------------------------------------------------------------------------------------|

| ·   | A      statement that the Claimant is entitled to receive, upon request and free      of charge, reasonable access to, and copies of, all documents, records,      and other information relevant to the Claimant's claim for      benefits.  (Whether a document, record, or other information is      relevant to a claim for benefits shall be determined by reference to 29      C.F.R.  §2560.503-1(m)(8).) |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | A      statement describing any voluntary appeal procedures offered by the plan      and the Claimant's right to obtain the information about such      procedures. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | A      statement of the Claimant's right to bring an action under Section 502(a)      of the Employee Retirement Income SecurityAct. |
|--------------------|--------------------------------------------------------------------------------------------------------------------------------------|

| ·   | An      explanation of the circumstances requiring the  extension. |
|--------------------|--------------------------------------------------------------------|

| ·   | The      date by which the Plan Administrator expects to render a      decision. |
|--------------------|----------------------------------------------------------------------------------|

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| (1)   | the      factors described in this Prospectus, the Form S-8 and the documents      incorporated by referenced into the FormS-8; |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------|

| (2)   | actual      performance of the investmentfunds; |
|-----------------|-------------------------------------------------|

| (3)   | changes      in investment fund benchmark indices management and administration;      and |
|-----------------|-------------------------------------------------------------------------------------------|

| (4)   | changes      in financial markets, interest rates or industry, general economic or      political conditions. |
|-----------------|---------------------------------------------------------------------------------------------------------------|

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| INVESTMENT      FUND                             | 2008     | 2007   | 2006   |
|--------------------------------------------------|----------|--------|--------|
| American      Beacon Large Cap Value-Inv         | (39.59%) | 2.95%  | 18.72% |
| American      Funds Growth Fund of America-R4    | (39.07%) | 10.87% | 10.88% |
| Calamos      Growth and Income-A                 | (30.95%) | 9.52%  | 9.84%  |
| Dodge      & Cox Income Fund                 | (0.29%)  | 4.70%  | 5.29%  |
| Fidelity      Value Fund                         | (46.52%) | 2.20%  | 15.08% |
| Jennison      Small Company-A                    | (38.11%) | 9.63%  | 15.13% |
| JPMorgan      SmartRetirement 2010-Select        | (21.30%) | 5.06%  | n/a    |
| JPMorgan      SmartRetirement 2015-Select        | (25.69%) | 5.33%  | n/a    |
| JPMorgan      SmartRetirement 2020-Select        | (28.90%) | 5.38%  | n/a    |
| JPMorgan      SmartRetirement 2030-Select        | (33.78%) | 6.31%  | n/a    |
| JPMorgan      Smart Retirement 2040-Select       | (34.72%) | 6.39%  | n/a    |
| JPMorgan      SmartRetirement Income-Select      | (17.04%) | 4.96%  | n/a    |
| Kansas      City Life Capital Stock              | 1.74%    | (7.35) | 2.32%  |
| MetLife      GIC                                 | 4.66%    | 5.13%  | 5.07%  |
| PIMCO      Total Return – Admin            | 4.60%    | 8.82%  | 3.74%  |
| SSgA      International Stock Selection          | (41.48%) | 6.89%  | 30.54% |
| SSgA      S&P 500 Index                      | (37.03%) | 5.40%  | 15.59% |
| Vanguard      Intermediate Term Treasury-Admiral | 13.47%   | 10.15% | 3.31%  |

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