Securities and Exchange Commission
                            Washington, D. C. 20549


                                   Form 10-Q


               Quarterly Report Under Section 13 or 15 (d) of the
                        Securities Exchange Act of 1934


                    For the Quarter ended September 30, 1999


                          Commission File No. 2-40764


                       Kansas City Life Insurance Company
                                 3520 Broadway
                        Kansas City, Missouri 64111-2565

                             Phone: (816) 753-7000

                             IRS Number: 44-0308260

                     Incorporated in the State of Missouri



The Registrant  (1) has filed all reports  required to be filed by section 13 or
15 (d) of the  Securities  Exchange Act of 1934 during the  preceding 12 months,
and (2) has been subject to such filing requirements for the past 90 days.

                Yes    X                                No______


Indicate the number of shares  outstanding  of each of the  issuer's  classes of
common stock, as of the most recent date available.

                Class                   Outstanding at October 5, 1999
Common Stock, $1.25 par value                  12,281,650 shares
                         Page 1


Kansas City Life Insurance Company
Quarter ended September 30, 1999


Part I

Item 1. Financial Statements Incorporated by reference from the Quarterly Report
to  Stockholders  (pages 4 through 7). See the attached  exhibit.  These interim
financial  statements  should be read in  conjunction  with the  Company's  1998
Annual Report to Stockholders.


Item 2. Management's  Discussion and Analysis of Financial Condition and Results
of Operations

Results of Operations

Kansas City Life's operating earnings per share for the third quarter declined 5
percent from last year to equal $.99.  Including  realized gains, which declined
$2.3 million from last year's third quarter, net income equaled $1.09 per share,
a 13 percent decline from last year. For the nine months, operating earnings per
share  declined 3 percent to $2.56 and net  income per share,  which  included a
$6.6 million decrease in realized gains, declined 13 percent to $2.70.

Net  investment  income,  netted  for  interest  expenses  incurred  related  to
investment  strategies,  increased 2 percent in the third  quarter and 1 percent
for the nine months. Realized investment gains declined, generally due to rising
interest rates which resulted in significantly  reduced  investment calls on the
portfolio.  Interest spreads on the interest  sensitive products improved as the
yield spreads widened.

Home office operating  expenses  decreased 5 percent versus 1998's third quarter
and  rose 2  percent  for  the  nine  months.  During  the  third  quarter,  the
consolidation  of Sunset Life into the  parent's  home office in Kansas City was
completed.  While  significant  savings have not yet emerged as a result of this
consolidation,  substantial  progress has been made and the anticipated $2 to $3
million annual savings are expected to be realized going forward.

The  following  schedule  addresses  the  financial  performance  of each of the
Company's four  reportable  operating  segments:  the Parent  Company,  which is
divided into individual and group operations, and its two insurance affiliates.





                       Kansas City Life Insurance Company
                              Segment Information

                                  Kansas City Life      Sunset   Old
                              Individual      Group   Life   American   Total
Revenues from external customers:
    Nine months:    1999         $85,777    39,596  20,433    57,306   203,112
                    1998          88,110    39,110  21,574    60,296   209,090
    Third quarter:  1999          29,836    13,475   7,022    18,949    69,282
                    1998          31,514    13,117   7,225    19,893    71,749

Investment revenues:
    Nine months:    1999        $114,873       817  24,976    11,011   151,677
                    1998         114,188       835  24,276    10,609   149,908
    Third quarter:  1999          39,073       217   8,608     3,820    51,718
                    1998          37,935       272   8,027     3,563    49,797

Operating income (loss):
    Nine months:    1999         $22,104      (212)  5,600     4,230    31,722
                    1998          21,275      (751)  7,717     4,279    32,520
    Third quarter:  1999           8,620       (70)  1,433     2,241    12,224
                    1998           7,960       117   2,859     1,994    12,930

Notes:
1.      Intersegment revenues are not material.
2. The above totals agree to the consolidated financial statements. 3. There has
been no significant change in segment assets from last year
        end, nor has there been any change in the basis of segmentation or the
        measurement of segment income.

Kansas City Life - Individual

Total  new  annualized  premiums  declined  2  percent  in  the  third  quarter.
Individual  life sales were down 8 percent  and  flexible  annuities  were flat.
Non-variable  universal  life sales  declined 26 percent and variable  universal
life sales declined 2 percent. For the nine months, new annualized premiums fell
7 percent as individual life products declined 19 percent and flexible annuities
fell 3 percent.  Non-variable  universal life sales were down 39 percent for the
nine months and variable universal life products were down 11 percent. Total new
variable  sales were up 6 percent for the third  quarter but were down 4 percent
for the nine months.  Variable  product sales  accounted for 58 percent of total
sales for the nine months. On the basis of direct statutory receipts,  new sales
declined 10 percent for the nine months.  New non-variable  universal life sales
fell 56 percent  compared to last year.  New  variable  sales fell 7 percent and
equaled 64 percent of total new sales.

Total insurance revenues, which include premium renewals and contract charges on
the interest sensitive products, decreased 5 percent for the third quarter and 3
percent for the nine months.

Death benefits rose 3 percent for the quarter but were flat for the nine months.
Death  benefits for the assumed  block of business  purchased two years ago were
higher than expected in the third  quarter.  However,  mortality for the segment
remained better than last year for the nine months.  Traditional life surrenders
fell 28 percent for the quarter  and 29 percent for the nine  months.  In total,
benefits  increased 2 percent for both the  quarter and the nine  months.  Total
benefits,  as a percent of  operating  revenue,  equaled 61 percent for the nine
months, down slightly from the 62 percent for the six months and a year ago.

This segment provided 42 percent of consolidated insurance revenues for the nine
months and 70 percent of the  operating  income  compared with 42 percent and 65
percent last year.

Kansas City Life - Group

In the third  quarter,  the group segment  recorded a loss,  however the overall
claims ratios in this segment improved during the quarter. The nine months' loss
was $0.5 million less than a year ago. This improvement stems primarily from the
dental line,  which  recorded $0.4 million in profit  during the third  quarter,
compared to a loss of $0.1 million in last year's third quarter.

Group sales,  in terms of new  annualized  premiums,  declined 25 percent in the
quarter,  but rose 3 percent for the nine  months.  Group sales were lead by the
group life line,  which grew 65 percent over last year.  Group sales provided 10
percent of consolidated annualized premiums, up from 9 percent last year.

In total,  the group  segment  provided  19  percent of  consolidated  insurance
revenues for the nine months, the same as last year.

Sunset Life

Sunset Life's new annualized  premiums  declined 44 percent in the third quarter
and 34 percent for the nine  months.  Total  individual  life sales were down 31
percent for the quarter  and 37 percent for the nine  months.  Sales of flexible
annuities were down 48 percent for the third quarter and 32 percent for the nine
months.  Sunset  Life  contributed  8 percent of total new  annualized  premiums
during the first nine months versus 11 percent in 1998.

Total insurance revenues for the nine months decreased 1 percent, reflecting the
sales results  mentioned above.  Benefits,  as a percent of operating  revenues,
equaled 49 percent,  up from 47 percent a year ago. Total  benefits  increased 5
percent over last year,  as mortality  has  increased  from this time last year.
Insurance  operating  expenses  rose 15 percent for the nine months,  reflecting
costs associated with the consolidation efforts mentioned above.

In total for Sunset Life,  operating  income declined 27 percent but contributed
13 percent of consolidated operating revenues and 18 percent of operating income
for the nine months,  compared  with 13 percent and 24 percent,  respectively  a
year ago.

Old American

New  annualized  premiums  declined 3 percent in the third quarter and 4 percent
for the nine months.  Old  American  provided 7 percent of  consolidated  sales,
consistent  with the previous  year.  This  segment also  provided 28 percent of
consolidated  insurance  revenues for the nine  months,  down  slightly  from 29
percent last year.

Total  benefits  declined 5 percent  for the  quarter and 9 percent for the nine
months.  Benefits,  as a percent  of  operating  revenues,  equaled  59  percent
compared  with 62  percent  a year ago.  This  improvement  was due to  improved
mortality and the sale of the home health care block of business last year.

Operating  income for this  segment  declined 1 percent  for the nine  months to
equal 13 percent of consolidated operating income, the same as last year.

Liquidity and Capital Resources

Statements  made in the  Company's  1998 Annual  Report to  Stockholders  remain
pertinent.

Liquidity is not a concern for the Company.  For the nine months,  cash provided
from operating  activities  increased 64 percent to total $47.5  million.  Funds
from all sources totaled $712.4 million,  an 8 percent  increase over last year.
The  Company  has  borrowed  $30.0  million in order to pursue  interest  spread
strategies.  At September 30, 1999, separate accounts totaled $199.6 million, an
increase of $56.6 million from year end.

Assets  totaled  $3.6  billion  at  September  30,  1999,  the same as year end.
However,  excluding unrealized  investment gains and losses,  assets grew at a 4
percent  annualized growth rate.  Consolidated  insurance in force totaled $26.6
billion,  a 1 percent  decline  on an  annualized  basis.  Book  value per share
totaled  $42.51,  a decline  of 12  percent  on an  annualized  basis.  However,
excluding  changes in  unrealized  investment  gains and losses,  book value per
share equaled $44.45, a 6 percent annualized growth.

During the first nine months, the Company purchased 215,500 shares of its common
stock for $8.7  million  under  the  stock  repurchase  program  announced  last
January.

Year 2000 (Y2K) Compliance

Kansas  City Life is closely  monitoring  its  ability,  and the  ability of its
primary vendors and business partners, to successfully operate in the year 2000.
Kansas City Life continues the  assessment and resolution of potential  problems
in both its  information  technology  (IT)  systems  and in its  non-information
technology  systems.  As of September 30, 1999, the Company is  approximately 98
percent  complete with resolving its IT issues and anticipates that it will have
completed  its year 2000 IT  compliant  issues  well  before  year end.  For the
remainder of the year,  the Company will continue  testing and will finalize its
contingency plans. The Company's non-IT systems are fully compliant. The Company
is actively monitoring the compliance programs of those third parties with which
the Company has  business  relationships  as well as modifying  its  contingency
plans based upon those  assessments.  These  third  parties  are  continuing  to
progress  well,  but the Company will  continue to monitor  these third  parties
until  full  compliance  is  achieved.  The  incremental  cost of the  Company's
compliance  effort  generally  has been  expensed as  incurred  and has not been
material thus far,  estimated at less than $700,000,  nor are  additional  costs
expected to be material in the future.  The forecast costs,  consequences of the
year 2000 problem,  and the dates on which the Company believes it will complete
its various year 2000 computer  modifications  are based on its best  estimates,
which, in turn, were based on numerous  assumptions of future events,  including
third-party   modification  and  compliance  plans,  continued  availability  of
resources,  and other factors.  The Company cannot be sure that these  estimates
will be achieved or that the assumptions are accurate,  and actual results could
differ materially from those anticipated.

Market and Interest Rate Risk Analysis

Statements  made in the 1998 Annual  Report to  Stockholders  pertaining  to the
market and interest rate risk  analysis  remain  pertinent.  As mentioned in the
Annual  Report,  the primary  market risk  affecting  Kansas City Life  concerns
interest  rates.  As  market  interest  rates  fluctuate  so will the  Company's
investment  portfolio and its  stockholders'  equity. At September 30, 1999, the
Company had an unrealized investment loss of $29.6 million, net of related taxes
and deferred policy  acquisition  costs. This represents a $75.1 million decline
from the $45.5  million  unrealized  gain reported at the beginning of the year.
This decline is the result of increased market interest rates.




Part II:  Other Information
Item 1:  Legal Proceedings


In recent  years,  life  insurance  companies  have been named as  defendants in
lawsuits related to life insurance  pricing and sales  practices.  Plaintiffs in
many of these  cases seek to have  their case  certified  as a class  action.  A
number of these cases have resulted in substantial settlements.

In the previously  reported case,  Patricia A. Adams,  Kevin J. Palamarchuck and
Karolynne K.  Palamarchuck,  On Behalf of  Themselves  and All Others  Similarly
Situated vs. Kansas City Life Insurance  Company,  United States  District Court
for the Western  District of Missouri,  Case No.  98-1053-CV-W-9,  the court has
granted  defendants' motion to bifurcate discovery and discovery on the issue of
class  certification is required to be completed by November 15, 1999. A hearing
on class  certification is presently scheduled for March 20, 2000. The Company's
motion to dismiss  has not been ruled  upon.  Management  intends to continue to
defend  this  matter  vigorously  and  denies  the  allegations,  including  the
existence of a legitimate class.

In the  previously  reported  case  William H.  Stewart,  Richard  M.  Littrell,
Kimberley Weyand Reisinger  (f.k.a.  Kimberley K. Weyand) and Catherine I. King,
Individually and on Behalf of All Others Similarly Situated vs. Security Benefit
Life Insurance  Company and Bank Market Service,  Inc., Tenth Judicial  District
Court of Kansas, Johnson County,  Kansas, Case No. 98-C04036,  which the Company
is defending  pursuant to the terms of the  Coinsurance  Agreement with Security
Benefit Life Insurance Company,  the court in a bench ruling has granted in part
the Company's  motion for summary  judgment  dismissing  all fraud and fiduciary
claims  and  leaving  only a claim for breach of  contract  to be  litigated.  A
hearing  on class  certification  has been  scheduled  for  February  15,  2000.
Management  intends to continue to defend this matter  vigorously and denies the
allegations, including the existence of a legitimate class.

In  addition  to the  matters  described  above,  the Company and certain of its
subsidiaries  are  defendants  in lawsuits  involving  claims and disputes  with
policyowners  that may  include  clients  seeking  class  action  status  and/or
punitive  damages.  Some of these lawsuits arise in  jurisdictions  where juries
sometimes award punitive damages grossly disproportionate to the actual damages.


Item 6:





Exhibit 3(a)
Articles of Incorporation

ARTICLES OF INCORPORATION OF

KANSAS CITY LIFE INSURANCE COMPANY

(As Restated in 1986 and Amended in 1999)

Article 1

The name of the Company shall continue to be Kansas City Life Insurance Company.

Article 2

The principal office of the Company shall be located in the City of Kansas City,
in the State of Missouri.

Article 3

The  Company is formed for the  purpose  of making  insurance  upon the lives of
individuals,  and every assurance pertaining thereto or connected therewith, and
to grant,  purchase and dispose of annuities  and  endowments  of every kind and
description  whatsoever,  and to provide an  indemnity  against  death,  and for
weekly or other  periodic  indemnity  for  disability  occasioned by accident or
sickness to the person of the insured, all pursuant to the provisions of Section
376.010 of the Revised  Statutes of  Missouri,  1959.  Such  accident and health
insurance shall be made a separate department of the Company.

Article 4

(a) The  capital  stock  of the  Company  shall be forty  five  million  dollars
($45,000,000)  divided  into thirty six million  (36,000,000)  shares of the par
value of one and one quarter dollars ($1.25) each.

(b) No  holder  of any  shares  of stock of any  class of the  Company  shall be
entitled as such, as a matter of right,  to purchase or subscribe for any shares
of stock of the Company of any class,  whether now or  hereafter  authorized  or
whether issued for cash, property or services or as a dividend or otherwise,  or
to purchase or subscribe for any obligations,  bonds, notes,  debentures,  other
securities or stock convertible into shares of stock of any class of the Company
or carrying or evidencing any right to purchase  shares of stock of any class of
the Company.

Article 5

The corporate  powers of the Company shall be vested in a Board of Directors and
shall be exercised by them and by such officers and agents as they may from time
to time appoint and  empower.  The Board shall have the power to make, a mend or
repeal such Bylaws, rules and regulations for the transaction of the business of
the Company, as are not inconsistent with this charter or the laws of the State.

The Company shall have perpetual succession.

Article 6

The Board of Directors  shall consist of fifteen (15) persons divided into three
(3) equal  classes,  and at each  annual  meeting of the  stockholders  five (5)
Directors shall be elected for a three (3) year term.  Vacancies on the Board of
Directors  shall be filled by the  Board,  acting by the  affirmative  vote of a
majority of the remaining  Directors then in office, and any Director so elected
shall serve the balance of the vacated  term and until his or her  successor  is
elected.

Article 7

Directors  shall  continue in office until their  successors  are elected.  At a
meeting called  expressly for that purpose,  one or more Directors or the entire
Board of Directors  may be removed,  with or without  cause,  by the vote of the
holders of more than 66 2/3% of the shares then  entitled to vote at an election
of the Directors.  If less than the entire Board is to be removed, no one of the
Directors  may be removed if the votes cast against his or her removal  would be
sufficient to elect him or her if cumulatively voted at an election of the class
of Directors of which he or she is a part.

Article 8

The  annual  meeting of the  stockholders  of the  Company  shall be held on the
Thursday immediately  preceding the fourth Monday in April of each year. Special
meetings of  stockholders  shall be convened by the Secretary as often as may be
requested by resolution of the Board of Directors,  or requested in writing by a
majority of the Directors, or by persons holding a majority of the capital stock
of the Company, and filed with the Secretary, or as provided by the Bylaws. Such
requests shall state  specifically the business to be transacted at the proposed
meeting, and no other business shall be transacted thereat.

Article 9

Except as set forth in paragraph C of this Article,  the affirmative vote of the
holders  of at  least 66 2/3% of the  outstanding  shares  of each  class of the
"Voting Stock" (as hereinafter  defined),  voting as separate classes,  shall be
required  as a  requisite  for the  approval,  authorization,  or  adoption,  or
consummation  by  the  "Company"  (as  hereinafter  defined)  of  any  "Business
Combination" (as hereinafter defined) between the Company and a "Related Person"
(as hereinafter  defined).  The 66 2/3% vote requirement  shall be calculated by
excluding  from the voted  shares  and the  number of shares of the class  being
considered,  those shares of which the Related Person is the  Beneficial  Owner.
Such  affirmative  vote shall be in  addition  to the vote of the holders of the
securities of the Company otherwise  required by law or by agreement between the
Company and any other Person, including but not limited to a national securities
exchange.

A.  Definitions:  For purposes of this Article,  and where  expressly  indicated
herein for  purposes  of these  Articles,  the  following  terms  shall have the
following meanings:

(1)  "Affiliate."  The term  "Affiliate"  shall  mean a Person  (as  hereinafter
defined)  that  directly,  or  indirectly  through  one or more  intermediaries,
controls,  is  controlled  by,  or is under  common  control  with,  the  Person
specified.

(2) "Associate."  The term  "Associate" as used to indicate a relationship  with
any Person,  means (a) any corporation or organization  (other than the Company)
of which such Person is an officer or partner,  or is,  directly or  indirectly,
the "Beneficial Owner" (as hereinafter  defined) of ten percent (10%) or more of
any class of equity securities; (b) any trust or estate in which such Person has
a substantial  beneficial  interest or as to which such person serves as trustee
or in a similar fiduciary capacity;  and (c) a relative or spouse of such Person
or any relative of such spouse, who has the same home as such Person.

(3)  "Beneficial  Owner." A Person  shall be  considered  to be the  "Beneficial
Owner" of any shares of the Voting Stock  (whether or not owned of record),  and
any such shares shall be considered to be  "Beneficially  Owned" by such Person,
in the following circumstances:

(a) With  respect to which such Person or any  Affiliate  or  Associate  of such
Person  directly or  indirectly  has or shares (i) voting  power,  including the
power to vote or to direct the voting of such shares of the voting  stock and/or
(ii)  investment  power,  including  the power to  dispose  of or to direct  the
disposition of such shares of the Voting Stock;

(b) Which such Person or any  Affiliate  or Associate of such Person has (i) the
right to acquire  (whether such right is  exercisable  immediately or only after
passage of time or  occurrence  of other event or  contingency)  pursuant to any
agreement,  arrangement,  or  understanding  or upon the exercise of  conversion
rights,  exchange  rights,  warrants or options,  or otherwise;  and/or (ii) the
right to vote pursuant to any agreement,  arrangement, or understanding (whether
such  right is  exercisable  immediately  or only  after the  passage of time or
occurrence of other event or contingency); or

(c) Which are Beneficially  Owned within the meaning of paragraphs (a) or (b) of
this  definition by any other Person with which such first  mentioned  Person or
any  of  its  Affiliates  or  Associates  has  any  agreement,  arrangement,  or
understanding,  written or oral, with the respect to acquiring, holding, voting,
or disposing of any shares of the Voting Stock of the Company or with respect to
acquiring,  holding,  or disposing of all or substantially all, or a Substantial
Part (as hereinafter defined), of the assets or business of the Company.

For the purpose only of determining  whether a Person is the Beneficial Owner of
a percentage  specified in this Article of the outstanding  shares of the Voting
Stock,  such shares  shall be deemed to include  any shares of the Voting  Stock
that may be issuable pursuant to any agreement, arrangement, or understanding or
upon the exercise of conversion rights, exchange rights,  warrants,  options, or
otherwise and which are deemed to be Beneficially  Owned by such person pursuant
to the foregoing provisions of this Article.

(4) "Business Combination." The term "Business Combination" shall include all of
the following,  except to the extent that any of the following occur pursuant to
the  participation  of a Related Person in an employee  benefit or  compensation
plan of the Company:

(a) Any merger or consolidation of the Company with or into any Related Person;

(b) Any merger or consolidation of a Related Person with or into the Company;

(c) Any sale,  exchange,  lease,  transfer,  or other  disposition,  in a single
transaction  or a series of  transactions,  of all or a Substantial  Part of the
assets of the Company to or with a Related Person;

(d) Any sale,  exchange,  lease,  transfer,  or other  disposition,  in a single
transaction or in a series of transactions, of all or a Substantial Part of the
assets of a Related Person to or with the Company;

(e) The issuance of any securities of the Company to a Related Person;

(f) Any  reclassification of securities of the Company,  recapitalization of the
Company,  or other  transaction  other than a redemption in accordance  with the
security redeemed,  which has the effect, directly or indirectly,  of increasing
the power of a Related  Person to vote the  Voting  Stock,  in  relation  to the
voting power of the other stockholders of the Company;

(g) Any partial or complete  liquidation,  spinoff,  splitoff, or splitup of the
Company or other  transaction  with a similar  purpose or  effect,  directly  or
indirectly involving any Related Person;

(h) Any  transaction  or event that is intended by any party thereto to have, or
that is likely to have, a similar  effect as any of the  transactions  or events
described in this definition of Business Combination; or

(i) Any agreement,  contract, commitment, or other arrangement providing for any
of  the  transactions  or  events  described  in  this  definition  of  Business
Combination.

(5)  "Company." As used  throughout  these Articles of  Incorporation,  the term
"Company"  shall  mean  the  entity  organized  pursuant  to these  Articles  of
Incorporation and unless contrary to the express  provisions of the reference to
that term, that term shall include all subsidiary corporations or other entities
of which the entity organized pursuant to these Articles of Incorporation  owns,
directly  or  indirectly,  a  majority  of the  equity  securities  thereof,  or
otherwise controls.

(6) "Date of Determination." The "Date of Determination" shall mean:

(a) The  date on  which a  binding  agreement  (except  for the  fulfillment  of
conditions precedent,  including, without limitations,  votes of stockholders to
approve such a transaction) is entered into by the Company, as authorized by its
Board of Directors,  and another Person providing for any Business  Combination;
or

(b) If such an  agreement  is  referred  to in the  preceding  paragraph  (a) is
amended so as to make it less favorable to the Company and its stockholders, the
date on which  such  amendment  is  approved  by the Board of  Directors  of the
Company; or

(c) In  cases  where  neither  of  preceding  paragraphs  (a) nor (b)  shall  be
applicable,  then the  record  date for  determination  of  stockholders  of the
Company entitled to notice of and to vote upon the transaction in question.

(7)  "Person."  The  term  "Person"  shall  mean  any  individual,  partnership,
corporation,  trust, syndicate,  association, group, or other entity, other than
the Company or a trustee  holding  stock for the benefit of the employees of the
Company pursuant to one or more employee benefit plans or arrangements. When two
or  more  Persons  act  as  a  partnership,   limited  partnership,   syndicate,
association,  group, or other entity for the purpose of acquiring,  holding,  or
disposing  of shares  of stock,  such  partnerships,  syndicates,  associations,
groups, or other entities shall be deemed to be a single "Person."

(8) "Related  Person." The term "Related  Person" shall mean any Person that (a)
is the  Beneficial  Owner  as of  the  Date  of  Determination  or at  any  time
thereafter of 5% or more of the outstanding shares of any class of Voting Stock;
or (b) any Person who is an  Affiliate of the Company and who at any time within
five years  immediately  preceding the Date of Determination  was the Beneficial
Owner of 5% or more of the then  outstanding  shares of any class of the  Voting
Stock;  or (c) any Associate or Affiliate of any Person  described in paragraphs
(a) and (b) above.

(9)  "Substantial  Part." The term  "Substantial  Part" means assets with a fair
market  value  that is equal to or exceeds  5% of the fair  market  value of the
total  assets of the  Company  or Person in  question  as of the end of its most
recent previous fiscal year.

(10) "Voting Stock." As used  throughout  these Articles of  Incorporation,  the
term "Voting Stock" means all issued and outstanding  shares of capital stock of
the Company  that are  entitled to vote for the  election of  directors by their
terms or applicable law, as divided into separate  classes pursuant to the terms
of these Articles of Incorporation.

B. Powers and Duties of Executive  Committee.  On the basis of information known
to the Directors, the Executive Committee of the Board of Directors (or if there
is no Executive  Committee or if the Executive  Committee fails,  refuses, or is
unable to act, then the Chairman of the Board), shall have the power and duty to
make any determinations required under this Article by the affirmative vote of a
majority of its members,  including but not limited to those listed below, which
determinations  shall be  conclusive  and  binding on the  Company and all other
Persons for purposes of this Article:

(1) Whether any Person is the Beneficial Owner, directly or indirectly, of 5% or
more of the outstanding  shares of any class of Voting Stock, or is an Affiliate
or Associate of another Person;

(2) Whether or any proposed sale, lease,  exchange, or other disposition of part
of the assets of the Company or any other entity involves a Substantial  Part of
that entity's assets;

(3) Whether any series of transactions is a series of transactions  for purposes
of this Article;

(4) Whether any  transaction  or event  constitutes a Business  Combination  for
purposes of this Article;


<PAGE>


(5) The Date of Determination relating to any Business Combination; and

(6) Whether any other  definition  stated in this Article or any other provision
contained herein is applicable to any transaction, event, or Person.

C. Exceptions to Article. The provisions of this Article shall not be applicable
to a Business Combination in any of the following circumstances:

(1) If more than  two-thirds  of all  members of the Board of  Directors  of the
Company then in office shall have expressly  approved such Business  Combination
by resolution; or

(2) If in the proposed Business Combination, more than two-thirds of all members
of the Board of Directors of the Company then in office shall determine that all
of the following conditions are met:

(a) The ratio of (i) the aggregate  amount of the cash and the fair market value
of other  consideration to be received per share of securities of the Company in
such Business  Combination by holders of those securities,  other than a Related
Person  involved in such  Business  Combination,  over (ii) the market price per
share of those securities  immediately prior to the announcement of the proposed
Business  Combination,  is at least as great as the ratio of (x) the highest per
share price  (including  brokerage  commissions,  transfer taxes, and soliciting
dealers'  fees) that such Related  Person has  heretofore  paid in acquiring any
such securities  prior to such Business  Combination,  over (y) the market price
per share of those securities  immediately  prior to the initial  acquisition by
such Related Person of any of those securities;

(b) Except to the extent that a stockholder  agrees  otherwise as to all or part
of the securities that the stockholder owns, the consideration to be received in
such  Business  Combination  by holders of the  securities  of the Company to be
acquired,  other than the Related Person involved, shall be in the same form and
of the same kind as the  consideration  paid by the Related  Person in acquiring
such securities already owned by it;

(c)  After  such  Related  Person  became  a  Related  Person  and  prior to the
consummation of such Business Combination:

(i) The  Company  shall have not failed to pay full  dividends  pursuant  to the
terms of any  preferred  stock  then  issued by the  Company  and shall not have
reduced the rate of dividends  previously paid on its common stock,  unless such
failure or  reduction  was  approved in advance by more than  two-thirds  of the
members of the Board of Directors then in office;

(ii) Such Related  Person shall not have acquired from the Company,  directly or
indirectly,  any  securities  of the Company,  except upon (x) a  conversion  of
convertible securities acquired by it prior to becoming a Related Person, or (y)
as a result of a pro rata stock dividend,  stock split or division of shares, or
(2) a transaction consummated in compliance with the provisions of this Article;

(iii) Such Related Person shall have not acquired any  additional  securities of
the Company or securities  convertible into or exchangeable for such securities,
except as a part of the  transaction  that  resulted  in such  Related  Person's
becoming a Related Person; and

(iv) Such Related  Person  shall not have (x) received the benefit,  directly or
indirectly  (except pro rata as a  stockholder  of the  Company),  of any loans,
advances,  guarantees,  pledges,  or other  financial  assistance or tax credits
provided by the Company,  or (y) made any major change in the Company's business
or equity  capital  structure  or entered  into any  contract,  arrangement,  or
understanding with the Company,  except as were approved in advance by more than
two-thirds  of the  members of the Board of  Directors  of the  Company  then in
office; and


<PAGE>

(v)  The  payment  of the  purchase  price  for the  securities  proposed  to be
     acquired  by the  Related  Person in the  Business  Combination  shall not,
     directly or  indirectly,  be financed or proposed to be financed by sale of
     all or part of the assets of the Company or by use of the Company's assets,
     directly or indirectly, as security for that financing; and

(d)  A proxy  statement  complying with the  requirements  of the rules relating
     thereto that are  applicable  to the Company  shall have been mailed to all
     holders  of  shares  of the  Voting  Stock for the  purpose  of  soliciting
     stockholder  approval of such Business  Combination.  Such proxy  statement
     shall  contain  at  the  front   thereof,   in  a  prominent   place,   any
     recommendations  as to the advisability or  inadvisability  of the Business
     Combination which the Board of Directors may have furnished in writing, and
     if deemed  advisable  by a  majority  of the  Directors,  an  opinion  of a
     reputable investment banking firm as to the fairness or lack of fairness of
     the  terms  of such  Business  Combination  from  the  point of view of the
     holders of the shares of the Voting  Stock other than the  Related  Person,
     such  investment  and  banking  firm to be  selected  by a majority  of the
     Directors and to be furnished with all information it reasonably  requests,
     and to be paid by the  Company  a  reasonable  fee  for its  services  upon
     receipt by the Company of such opinion.

   For purposes of paragraph C(2)(a) of this Article, in the event of a Business
Combination  upon  consummation  of which  the  Company  would be the  surviving
corporation or would continue to exist (unless it is provided,  contemplated, or
intended  that as a part of such  Business  Combination  or within  one (1) year
after  consummation  thereof a plan of liquidation or dissolution of the Company
will be effected),  the term "other consideration to be received" shall include,
without limitation, any shares of the Voting Stock retained by stock retained by
stockholders  of the Company  other than the Related  Persons who are parties to
such Business Combination.

                                                            Article 10

   These  Articles  of  Incorporation  may be  amended  at any annual or special
meeting of the  stockholders by the votes of the holders and owners of more than
66 2/3% of the  shares  of the  capital  stock  of the  Company  voting  on such
question  but in no  event  by the vote of less  than a  majority  of all of the
shares of the capital  stock of the Company  entitled to vote on said  question,
whether  said  stock is voted by the  holder  or owner  thereof  in person or by
proxy,  provided  that if it is proposed to amend the same at any meeting of the
stockholders,  a copy  of  the  proposed  amendment  shall  be  mailed  to  each
stockholder  as his or her address  appears  upon the books of the  Company,  at
least ten days before such meeting.






Exhibit 4(a)
Specimen Copy of Stock Certificate


(Engraving of Roman God Mercury,
Messenger and Protector of Commerce)

         Number                                   Shares

           KU

Par Value $1.25 Per Share               Par Value $1.25 Per Share
      COMMON STOCK                            COMMON STOCK

Incorporated Under the Laws of the State of Missouri

KANSAS CITY LIFE INSURANCE COMPANY

This Certifies that                is the owner of

                                                See Reverse for
                                              Certain Definitions

                                               Cusip 484836 10 1

Fully Paid and Non-Assessable Shares of the Common Stock of

Kansas City Life Insurance Company  transferable in person or by duly authorized
attorney upon surrender of this certificate properly endorsed.  This certificate
and the shares represented hereby are issued and shall be held subject to all of
the provisions of the certificate of  incorporation  and by-laws of the company,
as amended,  to all of which the holder,  by acceptance  hereof,  assents.  This
certificate  is not valid until  countersigned  and  registered  by the Transfer
Agent and Registrar.

        In Witness Whereof, the company has caused this certificate to be signed
in facsimile by its duly authorized officers and a facsimile seal of the company
to be hereunto affixed.
Dated

      /s/ C. John Malacarne            /s/ R. Philip Bixby

                    Secretary                      President

Countersigned and Registered:
  Kansas City Life Insurance Company
       (Kansas City, Missouri)                  Transfer Agent
                                                 and Registrar

                                             Authorized Signature

SEAL
(Lioness Logo)                                     (Lioness Logo)
  The following abbreviations,  when used in the inscription on the face of this
certificate,  shall  be  construed  as  though  they  were  written  out in full
according to applicable laws or regulations:

  TEN                                              COM  -as  tenants  in  common
                                                   UNIF GIFT MIN ACT-  Custodian
                                                   (Cust)  (Minor) under Uniform
                                                   Gifts to Minors Act
                                                                (State)

  TEN ENT -as tenants by the      UNIF TRF MIN ACT-  Custodian (until age   )
           etireties                             (Cust)
                                                 (Minor) under Uniform
  JT TEN  -as joint tenants with                 Transfers to Minors Act
           right of survivorship                 (State)
           and not as tenants in
           common

  TOD      -transfer  on death  direction In event of owner's  death,  To person
           named on face and Subject to TOD rules Referenced

Additional abbreviations may also be used though not in the above list.

  For value received,      hereby sell, assign and transfer unto

Please insert Social
 Security or other
 identifying number
    of Assignee


Please  print  or  typewrite  name  and  address  Including  postal  zip code of
assignee.

     Shares of the Common Stock  represented by the within  Certificate,  and do
hereby irrevocably constitute and appoint Attorney to transfer the said stock on
the books of the  within-named  Company with full power of  substitution  in the
premises. Dated,

                        NOTICE: The signature to this assignment must correspond
                                with  the name as  written  upon the face of the
                                certificate   in   every   particular,   without
                                alteration   or   enlargement   or  any   change
                                whatever.
SIGNATURE(S) GUARANTEED:

The signature(s) must be guaranteed by an eligible guarantor institution (banks,
stockbrokers, savings and loan associations and credit unions with membership in
an approved  medallion  signature  guarantee  program,  pursuant to S.E.C.  Rule
17Ad-15.


(b)  Reports on 8-K: There were no reports on Form 8-K filed for the nine months
     ended September 30, 1999.


SIGNATURES


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.


KANSAS CITY LIFE INSURANCE COMPANY




/s/ Richard L. Finn
Richard L. Finn
Senior Vice President, Finance


/s/ John K. Koetting
John K. Koetting
Vice President and Controller


/s/ C. John Malacarne
C. John Malacarne
Vice President, General Counsel and Secretary



Date:  November 9, 1999


EXHIBIT

Quarterly Report to Stockholders

Consolidated
Balance Sheet
(in thousands)

                                    September 30     December 31
                                        1999           1998
                                   -------------  -------------
Assets
Investments:
  Fixed maturities:
    Securities available for sale,
      at market                      $ 2,048,016      2,094,362
    Securities held to maturity,
      at amortized cost                  104,796        115,504
  Equity securities available
    for sale, at market                  104,920        100,749
  Mortgage loans                         328,405        315,706
  Policy loans                           118,965        122,860
  Other                                   96,685        142,387
                                   -------------  -------------
                                       2,801,787      2,891,568

Deferred acquisition costs               226,829        218,957
Other assets                             334,217        323,881
Separate account assets                  199,628        143,008
                                   -------------  -------------

                                     $ 3,562,461      3,577,414
                                   =============  =============

Liabilities and equity
Future policy benefits               $   826,288        822,343
Accumulated contract values            1,701,826      1,731,262
Other liabilities                        317,774        302,868
Separate account liabilities             199,628        143,008
                                   -------------  -------------
  Total liabilities                    3,045,516      2,999,481

Stockholders' equity:
  Capital stock                           23,121         23,121
  Paid in capital                         18,352         17,633
  Accumulated other comprehensive
    income (loss)                        (29,611)        45,466
  Retained earnings                      605,299        581,074
  Less treasury stock                   (100,216)       (89,361)
                                   -------------  -------------
                                         516,945        577,933
                                   -------------  -------------

                                     $ 3,562,461      3,577,414
                                   =============  =============

Notes:
*  Comprehensive income (loss) equals $(41,718,000) and
   $76,795,000, for 1999 and 1998, respectively,
   and $(2,958,000) and $45,887,000 for the third quarter
   of 1999 and 1998.  This varies from net income
   due to unrealized gains or losses on securities.

*  These interim financial statements should be read in
   conjunction with the Company's 1998 Annual Report
   to Stockholders.  The results of operations for any
   interim period are not necessarily indicative
   of the Company's operating results for a full year.

*  Income per common share is based upon the weighted
   average number of shares outstanding during the nine months,
   12,370,974 shares (12,391,085 shares - 1998).

*  These financial statements are unaudited but, in management's
   opinion, include all adjustments necessary for a fair
   presentation of the results.

*  Certain amounts from the prior financial statements
   have been reclassified to conform with the current
   presentation.



Consolidated
Income Statement
(in thousands, except per share data)
                                              Quarter ended  Nine Months ended
                                               September 30      September 30
                                              1999     1998     1999     1998
                                            -------  -------  -------  -------
Revenues
Insurance revenues:
  Premiums:
    Life insurance                         $ 26,713   30,480   79,049   84,532
    Accident and health                      10,813   10,508   31,636   31,581
  Contract charges                           28,663   26,853   81,912   81,782
Investment revenues:
  Investment income, net                     51,718   49,797  151,677  149,907
  Realized gains                              1,842    4,121    2,519    9,082
Other                                         3,092    3,907   10,514   11,196
                                            -------  -------  -------  -------
    Total revenues                          122,841  125,666  357,307  368,080
                                            -------  -------  -------  -------
Benefits and expenses
Policy benefits:
  Death benefits                             28,152   25,284   84,308   83,346
  Surrenders of life insurance                3,775    4,846   11,201   14,611
  Other benefits                             18,870   17,273   53,307   54,263
  Increase in benefit and contract reserve   21,135   22,103   61,400   64,883
Amortization of policy acquisition costs      7,259   10,246   27,294   27,363
Insurance operating expenses                 24,149   23,765   72,186   69,635
                                            -------  -------  -------  -------
    Total benefits and expenses             103,340  103,517  309,696  314,101
                                            -------  -------  -------  -------

Pretax income                                19,501   22,149   47,611   53,979
                                            -------  -------  -------  -------
Federal income taxes:
  Current                                     4,226    6,394   15,180   16,057
  Deferred                                    1,853      146     (928)    (501)
                                            -------  -------  -------  -------
                                              6,079    6,540   14,252   15,556
                                            -------  -------  -------  -------

Net income                                $  13,422   15,609   33,359   38,423
                                            =======  =======  =======  =======

Per common share
  Operating income                           $ 0.99     1.04     2.56     2.62
  Realized gains, net                          0.10     0.22     0.14     0.48
                                            -------  -------  -------  -------

  Net income                                 $ 1.09     1.26     2.70     3.10
                                            =======  =======  =======  =======




     CONSOLIDATED
STATEMENT OF CASH FLOWS
    (in thousands)
                                                          Quarter ended
                                                          September 30
                                                        1999         1998
 Operating activities
   Net cash provided                                  $47,512       28,973

 Investing activities
   Purchases of fixed maturity investments           (475,250)    (463,844)
   Sales of fixed maturity investments                263,554      268,508
   Maturities and principal paydowns of
     fixed maturity investments                       147,696      183,563
   Purchases of other investments                     (81,417)     (86,672)
   Sales, maturities and principal paydowns
     of other investments                              63,830       48,170
   Net sales of short-term investments                 44,118        1,723
   Acquisition of life block:
      Cash received net of purchase price paid              -        3,550
   Net cash used                                      (37,469)     (45,002)

 Financing activities
 Policyowner contract deposits                        114,615      127,110
 Withdrawals of policyowner
   contract deposits                                 (133,181)    (145,063)
 Dividends paid to stockholders                        (8,925)      (7,711)
 Proceeds from borrowings                              30,000            -
 Treasury stock acquired                              (11,223)      (1,026)
 Other, net                                             1,087         (500)
   Net cash used                                       (7,627)     (27,190)

 Increase (decrease) in cash                            2,416      (43,219)
 Cash at beginning of year                             16,763       50,927
   Cash at end of period                              $19,179        7,708


Message from the President and CEO


     Kansas City Life achieved  strong  earnings in the third quarter,  but this
performance  must be  compared  to  last  year's  third  quarter  which  was the
Company's  best  quarter on record.  Thus  operating  earnings  for the  quarter
equaled  $.99 a share and were 5 percent  below a year  earlier,  while the nine
month's operating  earnings declined 3 percent to $2.56 a share.  Since realized
investment  gains  declined  in both the  quarter  and nine  months,  net income
decreased  13 percent in both the quarter and the nine months to $1.09 and $2.70
a share, respectively.

     Strong earnings results in Kansas City Life's  non-variable  universal life
line for the nine  months  were  offset by  declining  earnings  in the block of
insurance  purchased  two years  ago,  largely  due to higher  benefits  ratios.
Universal  life  earnings rose due to improved  interest,  mortality and expense
margins.  Less favorable mortality experience in several other lines of business
dampened the quarter's  earnings,  but was partially offset by reduced operating
expenses.  Home office operating expenses rose 2 percent for the nine months but
declined  5  percent  in  the  third  quarter.   Expense   savings  due  to  the
consolidation of Sunset Life's  operations into the home office are beginning to
emerge.  Fourth  quarter  earnings  should  receive  much of the  benefit of the
projected $2 to $3 million annual savings.

     The effort to surpass last year's solid sales results  continues.  However,
new  annualized  premiums were 9 percent below last year for the nine months and
12  percent  below for the third  quarter.  Sales of  variable  products  rose 6
percent in the quarter,  but remain down 4 percent for the year.  These products
have generated $215 million of assets since their  inception.  New  non-variable
universal  life and  annuity  premiums  were  down 42  percent  and 12  percent,
respectively.  However,  group  sales rose 3 percent  in the nine  months due to
growth in the group life and dental lines.  Life insurance in force totals $26.4
billion, $252 million below the beginning of the year.

     Investment  income,  net of interest costs  incurred to support  investment
strategies,  rose 1 percent year to date and 2 percent in the third quarter. The
portfolio's  net yield rose slightly to 7.26 percent.  Rising  interest rates in
the marketplace restrained realized investment gains.

     The Board approved a quarterly  dividend of $.24 a share,  payable November
22 to  stockholders  of record on November 8. Thus far this year the Company has
purchased  215,500 of its shares in the open  market  for $8.7  million  under a
stock repurchase program.

     Rising  interest  rates also caused the market value of the bond  portfolio
which is marked to market to fall,  thus book  value  declined  12 percent on an
annualized  basis to $42.51 a share.  Excluding  these  unrealized  losses,  the
Company's book value rose 6 percent to $44.45 a share.

     I regret to inform you of the death of my  father,  Walter E.  Bixby,  Vice
Chairman of the Board and Past  President of the  Company.  He was a man of wide
interests,  a hearty laugh,  an open door to all and generosity of both his time
and resources to our community.  He oversaw a period of sustained  growth during
his eight-year presidency as earnings doubled, insurance in force nearly tripled
and the market value of our stock tripled.  Walt would have wanted these remarks
kept simple, and simply put-Kansas City Life has lost an outstanding leader.



                                        /s/ R. Philip Bixby

Includes our subsidiaries:

Sunset Life Insurance
Company of America

Old American
Insurance Company

Post Office Box 219139
Kansas City, Missouri  64121-9139
Listing:  OTC
Stock Symbol: KCLI