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 March 31, 2000


                          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 May 4, 2000
                Common Stock, $1.25 par value 12,063,592 shares
                                     Page 1


                       Kansas City Life Insurance Company
                          Quarter ended March 31, 2000


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
1999 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 rose 7 percent over last
year to equal $1.06. Although policy benefit ratios worsened slightly, operating
expense savings and decreased  amortization of deferred policy acquisition costs
more than made up the difference.  Including  realized gains, which were minimal
year to year, net income equaled $1.09 per share, a 9 percent increase over last
year.

     Net investment  income,  netted for interest  expenses  incurred related to
investment  strategies,  was  flat  in  the  first  quarter,  reflecting  market
performance. Realized gains on investments were minimal in the first quarter for
both  years.  These  gains  will  vary from  period  to  period at  management's
discretion as the company seeks to maximize its portfolio returns.

     Home office  operating  expenses  decreased 1 percent in the first quarter.
The decrease is due to the savings  realized  from the  consolidation  of Sunset
Life into the parent's home office last year.

     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.


<TABLE>
<CAPTION>


                       Kansas City Life Insurance Company
                              Segment Information

                                        Kansas City Life          Sunset        Old
                                      Individual     Group         Life       American       Total
Revenues from external customers:
<S>                                    <C>          <C>           <C>         <C>           <C>
        First quarter:  2000           $ 28,923     13,890        7,638       18,934        69,385
                        1999             29,574     13,070        7,540       19,054        69,238

Investment revenues:
        First quarter:  2000           $ 38,119        187        8,339        3,997        50,642
                        1999             38,619        282        8,112        3,479        50,492

Operating income:
        First quarter:  2000           $  9,354        377        2,382          690        12,803
                        1999              8,518        462        2,622          639        12,241
<FN>

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.

</FN>

</TABLE>

Kansas City Life - Individual

Total new annualized premiums declined 4 percent in the first quarter.  Variable
universal life sales  increased 69 percent and variable  annuity sales increased
13  percent.  Traditional  life  sales  increased  47  percent  over last  year.
Offsetting  these  increases,   flexible  annuities  decreased  51  percent  and
universal life sales declined 16 percent.  Variable  product sales accounted for
66 percent of total sales for the three months, up from 49 percent last year. On
the basis of direct statutory  receipts,  new sales declined 7 percent from last
year. New  non-variable  universal  life sales fell 45 percent  compared to last
year, while flexible annuities  declined 53 percent.  New variable sales grew 17
percent and equaled nearly three-fourths of total new sales.

Total insurance revenues, which include premium renewals and contract charges on
the  interest  sensitive  products,  decreased  2 percent for the segment in the
first quarter.

Total  benefits  declined  5 percent  for this  segment  in the  first  quarter,
reflecting a 1 percent  decrease in death benefits and a 34 percent  increase in
surrenders. Mortality in the first quarter was improved versus last year's first
quarter.  Total benefits, as a percent of operating revenue,  equaled 55 percent
in the first quarter, down from 58 percent from last year.

Operating  income grew 10 percent in the first quarter and this segment provided
73  percent of  consolidated  operating  income  and 42 percent of  consolidated
insurance revenues.


Kansas City Life - Group

In  the  first  quarter,   the  group  segment  contributed  3  percent  of  the
consolidated  operating  income,  down  slightly  from 4 percent  in 1999 as the
overall claims ratio increased slightly from 71 percent to 73 percent.

Group sales,  in terms of new annualized  premiums,  declined 15 percent for the
first quarter.  However,  excluding the stop loss line,  which was  discontinued
late last year, new annualized  premiums  increased 7 percent.  Group sales were
lead by the  dental  line,  which  grew 27  percent  over last  year.  Partially
offsetting  this increase were a 54 percent decline in group life sales and a 51
percent decline in group  disability  sales.  Group sales provided 10 percent of
consolidated new annualized premiums, down slightly from 11 percent last year.

In total,  the group  segment  provided  20  percent of  consolidated  insurance
revenues in the first quarter, up slightly from 19 percent last year.

Sunset Life

Sunset Life's new annualized  premiums declined 60 percent in the first quarter.
The impact is still being felt from the shift in senior marketing management and
the  consolidation  of Sunset's  operations  into the home  office.  Sunset Life
contributed 3 percent of total new annualized premiums during the first quarter,
down from 7 percent in 1999.

Total insurance revenues for the first quarter increased 1 percent. Benefits, as
a percent of operating  revenues,  equaled 52 percent, up from 45 percent a year
ago.  Total  benefits  increased  19  percent  over last year,  reflecting  less
favorable mortality experience. Insurance operating expenses declined 23 percent
for the first quarter,  reflecting  savings associated with the consolidation of
Sunset Life operations into the home office.

In total for Sunset Life,  operating  income  declined 9 percent in the quarter.
The segment  contributed 13 percent of  consolidated  operating  revenues and 19
percent of operating income for the first quarter,  compared with 13 percent and
21 percent, respectively, a year ago.


Old American

New annualized  premiums  declined 1 percent in the first quarter.  Old American
provided 7 percent of  consolidated  sales,  consistent  with the previous year.
This segment also provided 27 percent of consolidated insurance revenues for the
first quarter, the same as last year.

Total insurance revenues for the first quarter decreased 1 percent. Benefits, as
a percent of operating  revenues,  equaled 65 percent, up from 63 percent a year
ago.  Total  benefits  increased  4 percent  for the  quarter as death  benefits
increased 5 percent and  surrenders  rose 16 percent.  The  segment's  operating
expenses declined 4 percent in the quarter.

Operating income for this segment  increased 8 percent for the first quarter and
provided 5 percent of consolidated operating income.

Liquidity and Capital Resources

Statements  made in the  Company's  1999 Annual  Report to  Stockholders  remain
pertinent.

Liquidity is not a concern for the Company. For the first quarter, cash provided
from operating  activities  decreased 12 percent to total $20.3  million.  Funds
from all sources totaled $239.0 million,  a 14 percent  increase over last year.
At March 31, 2000 the Company had $30.0 million of short-term  borrowings,  down
$39.5  million  from year end.  The Company  uses these  borrowings  in order to
pursue interest spread strategies.  At March 31, 2000, separate accounts totaled
$292.0 million, an increase of $32.1 million from year end.

Assets  totaled $3.6 billion at March 31, 2000,  the same as year end.  However,
excluding unrealized investment gains and losses, assets declined at a 1 percent
annualized  rate.  Consolidated  insurance in force totaled $26.8  billion,  a 1
percent increase on an annualized basis. Book value per share totaled $41.91, an
increase of 10 percent on an annualized  basis.  However,  excluding  changes in
unrealized  investment gains and losses, book value per share equaled $46.21, an
8 percent annualized growth.

During the first  quarter,  the Company  purchased  98,500  shares of its common
stock for $3.2  million  under the stock  repurchase  program.  The  Company may
purchase up to one million shares during 2000 under this program.

The Board of  Directors  declared a quarterly  dividend  of $.25 per share,  a 4
percent increase over last year's dividend of $.24 per share


Market and Interest Rate Risk Analysis

Statements  made in the 1999 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 March 31,  2000,  the
Company had an unrealized investment loss of $51.6 million, net of related taxes
and  deferred  policy   acquisition   costs.  This  represents  a  $1.8  million
improvement  from the $53.4 million  unrealized  loss reported at year end 1999.
This decline is the result of decreased  interest rates in the market during the
first quarter.

Part II:  Other Information

Item 1:  Legal Proceedings

In a previously  reported  case,  Patricia A. Adams,  et al, v. Kansas City Life
Insurance  Company,  United States  District  Court for the Western  District of
Missouri, Case No. 98-1053-CV-W-9-6,  the trial court, following discovery and a
class  certification  hearing,  denied the plaintiffs'  amended motion for class
certification  on April 4, 2000.  The  plaintiffs,  three Company  policyowners,
alleged  numerous  complaints   concerning  the  marketing  of  their  policies,
including  that the Company  marketed  their policies as policies that would pay
for  themselves  after a certain  period of time,  i.e.,  that the premium would
"vanish" and/or that the policies were  inappropriately  marketed as "retirement
plans".  Management  denies the  allegations  of the  complaint,  including  the
existence of a  certifiable  class,  and intends to continue to defend this case
vigorously.

Item 4:  Result of Votes of Security Holders

On April 20, 2000,  the Annual  Stockholders  Meeting was held at 3520 Broadway,
Kansas City, Missouri. At this meeting, there were 12,023,990 shares outstanding
and eligible to vote,  and  10,179,111  shares were  represented  at the meeting
either in person or by proxy.  The  following  Directors  received the number of
votes indicated and were elected for a three year term:

Joseph R. Bixby                 -  10,127,529
R. Philip Bixby                 -  10,127,522
Richard L. Finn                 -  10,128,712
Warren J. Hunzicker, M.D.       -  10,118,069
Larry Winn, Jr.                 -  10,117,733

The following Directors continued their term of office after this meeting:

Walter E. Bixby, III
Webb R. Gilmore
Jack D. Hayes
Nancy Bixby Hudson
Daryl D. Jensen
C. John Malacarne
Michael J. Ross
Elizabeth T. Solberg

Item 6.

Reports on 8-K:  There  were no  reports on Form 8-K filed for the three  months
ended March 31, 2000.



                                   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:  May 10, 2000


                       Kansas City Life Insurance Company
                          Quarter ended March 31, 2000
                                    EXHIBIT

                        Quarterly Report to Stockholders



Consolidated
Balance Sheet
(in thousands)

                                      March 31     December 31
                                        2000           1999
                                   -------------  -------------
Assets
Investments:
  Fixed maturities:
    Securities available for sale,
      at market                      $ 2,009,232      1,999,215
    Securities held to maturity,
      at amortized cost                   93,777        107,606
  Equity securities available
    for sale, at market                   99,381        115,968
  Mortgage loans                         339,122        340,704
  Policy loans                           117,138        118,521
  Other                                   90,766         98,727
                                   -------------  -------------
                                       2,749,416      2,780,741

Cash                                       9,566         22,355
Deferred acquisition costs               236,344        236,370
Other assets                             324,024        321,919
Separate account assets                  291,960        259,899
                                   -------------  -------------

                                     $ 3,611,310      3,621,284
                                   =============  =============

Liabilities and equity
Future policy benefits               $   828,132        829,556
Accumulated contract values            1,667,647      1,688,706
Notes payable                             30,000         69,500
Current income taxes payable              12,039          7,870
Other liabilities                        278,782        271,948
Separate account liabilities             291,960        259,899
                                   -------------  -------------
  Total liabilities                    3,108,560      3,127,479

Stockholders' equity:
  Capital stock                           23,121         23,121
  Paid in capital                         18,862         18,498
  Accumulated other comprehensive
    income (loss)                        (57,304)       (59,095)
  Retained earnings                      624,382        614,278
  Less treasury stock                   (106,311)      (102,997)
                                   -------------  -------------
                                         502,750        493,805
                                   -------------  -------------

                                     $ 3,611,310      3,621,284
                                   =============  =============

Notes:

*    Comprehensive income (loss) equals $14,909,000 and ($12,963,000),  for 2000
     and 1999, respectively. This varies from net income due to unrealized gains
     or losses on securities.

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

*    Income per common share is based upon the weighted average number of shares
     outstanding  during the quarter,  12,034,516  shares  (12,406,574  shares -
     1999).

*    These interim  financial  statements should be read in conjunction with the
     Company's 1999 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.

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



                                  Consolidated
                                Income Statement
                     (in thousands, except per share data)

                                              Quarter ended
                                                 March 31
                                              2000     1999
                                            ---------------------
Revenues
Insurance revenues:
  Premiums:
    Life insurance                         $ 25,633   27,805
    Accident and health                      11,052   10,263
  Contract charges                           28,526   27,233
Investment revenues:
  Investment income, net                     50,642   50,493
  Realized gains                                486      309
Other                                         4,174    3,936
                                            -------  -------
    Total revenues                          120,513  120,039
                                            -------  -------
Benefits and expenses
Policy benefits:
  Death benefits                             28,771   27,509
  Surrenders of life insurance                4,471    3,561
  Other benefits                             17,365   16,053
  Increase in benefit and contract reserve   17,717   20,502
Amortization of policy acquisition costs      8,588   10,475
Insurance operating expenses                 24,639   24,347
                                            -------  -------
    Total benefits and expenses             101,551  102,447
                                            -------  -------

Pretax income                                18,962   17,592
                                            -------  -------
Federal income taxes:
  Current                                     6,187    5,835
  Deferred                                     (343)    (685)
                                            -------  -------
                                              5,844    5,150
                                            -------  -------

Net income                                $  13,118   12,442
                                            =======  =======

Per common share
  Operating income                           $ 1.06     0.99
  Realized gains, net                          0.03     0.01
                                            -------  -------

  Net income                                 $ 1.09     1.00
                                            =======  =======


                                  CONSOLIDATED
                            STATEMENT OF CASH FLOWS
                                 (in thousands)
                                                          Quarter ended
                                                             March 31
                                                         2000         1999
 Operating activities
   Net cash provided                                   $20,328       23,069
                                                       -------      -------
 Investing activities
   Purchases of fixed maturities
     available for sale                               (113,474)    (145,282)
   Sales of fixed maturities available for sale         87,328       68,163
   Sales of equity securities available for sale        28,925        5,916
   Maturities and principal paydowns of
     fixed maturity investments:
       Available for sale                               22,780       56,561
       Held to maturity                                 13,681            0
   Purchases of other investments                      (29,914)     (31,512)
   Sales, maturities and principal paydowns
     of other investments                               10,425       11,661
   Net sales of short-term investments                  12,546        3,898
                                                       -------      -------
   Net cash provided (used)                             32,297      (30,595)
                                                       -------      -------
 Financing activities
 Policyowner contract deposits                          33,962       40,815
 Withdrawals of policyowner
   contract deposits                                   (53,912)     (43,876)
 Dividends paid to stockholders                         (3,015)      (2,979)
 Proceeds from borrowings                                9,000            0
 Repayment of borrowings                               (48,500)           0
 Other, net                                             (2,949)        (329)
                                                       -------      -------
   Net cash used                                       (65,414)      (6,369)
                                                       -------      -------
 Decrease in cash                                      (12,789)     (13,895)
 Cash at beginning of year                              22,355       16,763
                                                       -------      -------
   Cash at end of period                                $9,566        2,868
                                                       =======      =======


                       Kansas City Life Insurance Company
                           2000 First Quarter Report


Message  from the President and CEO

     First quarter  operating  earnings per share  improved 7 percent to $1.06 a
share. A slight  deterioration in policy benefits ratios was more than offset by
operating  expense  savings and the decreased  amortization  of deferred  policy
acquisition costs. Realized investment gains rose slightly so net income equaled
$1.09 per share, a 9 percent improvement over the prior year.

     Sales,  in terms of new annualized  premiums,  declined 9 percent from last
year's record first quarter.  However,  variable universal life sales climbed 69
percent while sales of variable  annuities  rose 13 percent.  Variable  products
contributed  59 percent  of  consolidated  sales.  Sales of  interest  sensitive
products,  which  represent  one fifth of total  sales,  declined by half in the
quarter.  Sales of traditional  products  improved  slightly due to a 17 percent
increase in term life  insurance  sales.  New group  insurance  premiums  rose 7
percent,  excluding the stop loss line which was discontinued in late 1999. Life
insurance in force totaled $26.8 billion, a 1 percent annualized increase.

     Insurance  revenues in the adjacent income statement were unchanged overall
as a decline in life insurance  premiums offset 8 percent growth in accident and
health  premiums  and 5 percent  growth in contract  charges  from the  interest
sensitive and variable  lines of business.  Life insurance  premiums  declined 8
percent due to decreased  single premium annuity  receipts.  Accident and health
premium growth was generated by the group dental line of business.

     Net investment  income was largely unchanged for the quarter as a six basis
point increase in the investment portfolio's  yield was offset by a 1 percent
annualized  decline  in the  portfolio's  book  value.  Interest  margins on the
Company's interest sensitive business narrowed slightly in the quarter.

     Home office operating  expenses declined 1 percent in the first quarter due
to the savings  realized from the transfer of Sunset Life's  operations into the
home office.

     The Office of Thrift  Supervision  approved a federal  thrift  charter  for
Kansas City Life late in the first quarter.  The Company is now awaiting Federal
Deposit Insurance Corporation approval. The necessary systems and procedures are
being put into  place  and the new  bank,  to be  called  Generations  Bank,  is
expected  to open  for  business  as  early  as the end of the  second  quarter.
Generations  Bank will allow us to expand the financial  services we provide our
customers.

     The Company  purchased  98,500 of its shares on the open market  during the
first quarter under its stock repurchase program at a cost of $3.2 million.  The
Board of Directors  has granted  authority to purchase up to one million  shares
this year.

     Stockholders'  equity  per  share,  or book  value,  rose 10  percent on an
annualized  basis to $41.91 a share.  Excluding  unrealized  gains and losses on
those  securities  valued at market,  book value  equaled  $46.21,  an 8 percent
annualized increase from last year end.

     The  Board of  Directors  approved  a  quarterly  dividend  of $.25 a share
payable May 22 to stockholders of record on May 8.