Flexible Premium Variable
Annuity Contract
Nonparticipating

Annuity  proceeds  payable at maturity date.  Death proceeds payable in event of
death of Annuitant  prior to maturity  date.  Flexible  premiums  payable  until
maturity date or prior death of Annuitant.

The contract value of this contract may increase or decrease daily  depending on
the investment  experience of the sub-accounts.  There is no guaranteed  minimum
contract value.


Kansas  City Life  Insurance  Company  will pay the  proceeds  of this  contract
according to the  provisions on this and the following  pages,  all of which are
part of this contract.  This contract is a legal contract between you and Kansas
City Life Insurance Company. READ YOUR CONTRACT CAREFULLY.

Signed for Kansas City Life  Insurance  Company,  a stock  company,  at its Home
Office, 3520 Broadway, PO Box 219139, Kansas City, MO 64121-9139.

           C. John Malacarne                  R. Philip Bixby
               Secretary                          President


10-Day Right To Examine Contract
Please examine this contract carefully. If you are not satisfied, you may return
the contract to us or to your agent within 10 days of its receipt.  If returned,
the  contract  will be void from the  beginning  and we will refund the contract
value, plus the $30.00 annual  administration fee, if charged, as of the earlier
of the date the  returned  contract  is received by us at our Home Office or the
date the  returned  contract is received by the Kansas City Life  representative
who sold you the contract.

Contract Number
     9999999

Annuitant
     John Doe

Agency
     0001



GUIDE TO POLICY PROVISIONS

                                                                            Page
Section 1: Contract Data.......................................................3
Section 2: Definitions.........................................................7
Section 3: Proceeds............................................................8
Section 4: Premiums...........................................................10
Section 5: Contract Values....................................................10
Section 6: Other Contract Provisions..........................................12
           6.1   Contract
           6.2   Authority to Change Contract
           6.3   Modifications
           6.4   Incontestability
           6.5   Age and Sex
           6.6   Option to Change Maturity Date
           6.7   Contract Termination
           6.8   Contract Loans
           6.9   Nonparticipating
           6.10  Annual Report
           6.11  Basis of Computation
Section 7: Control of Contract................................................14
Section 8: Variable Account...................................................14
Section 9: Transfers..........................................................16
Section 10:Payment of Proceeds................................................16

A copy of the original  application any additional benefits provided by rider or
endorsement follow page 18.


SECTION 1.  CONTRACT DATA                                CONTRACT NUMBER

                                                           9999999
BENEFICIARY                                              ANNUITANT
   As stated in the application or in the                  John A. Doe
   last beneficiary designation filed with us


OWNER                                                    CONTRACT DATE
   As stated in the application or in the last             November 01, 2000
   ownership designation filed with us

ISSUE AGE                                                MATURITY DATE
   35                                                      November 01, 2030

SEX                                                      MONTHLY LIFE
   Male                                                  Income Factor
                                                           $5.65 per $1,000 of
                                                           Maturity Proceeds

                                                         GUARANTEED PAYMENT
                                                         PERIOD
                                                           120 Months


SECTION 1. CONTRACT DATA (CONTINUED)                DATE PREPARED:  11/01/2000

            ANNUITANT                                CONTRACT NUMBER
              JOHN A. DOE                              9999999


FORM NO     BENEFIT DESCRIPTION        ANNUAL AMOUNT       PREMIUM PAYABLE
 J157         Flexible Premium            $10,000             To age 65*
          Variable Annuity Contract
             -Nonparticipating-


        TOTAL ANNUAL PREMIUM              $10,000

* Premiums  are payable  according  to the  flexible  premium  provision of this
contract.


SECTION 1. CONTRACT DATA (CONTINUED)                DATE PREPARED:  11/01/2000

            ANNUITANT                                CONTRACT NUMBER
              JOHN A. DOE                              9999999

EXPENSE CHARGES

         MORTALITY AND EXPENSE RISK CHARGE

               1.25% (on an annual basis) of the average daily net assets of the
               variable account.

         GUARANTEED MINIMUM DEATH BENEFIT MONTHLY EXPENSE CHARGE

               Base  Guaranteed  Minimum  Death  Benefit  - No  charge  for this
               benefit.

               Annual Ratchet Guaranteed Minimum Death Benefit Option - 0.20% of
               the variable account value on an annual basis.

               Enhanced  Combination  Guaranteed  Minimum Death Benefit Option -
               0.35% of the variable account value on an annual basis.

         ASSET-BASED ADMINISTRATION CHARGE

               0.15% (on an annual basis) of the average daily net assets of the
               variable account.

         ANNUAL ADMINISTRATION FEE

               $30.00 at the beginning of each contract  year.  This fee will be
               waived if the contract  value is $50,000 or more at the beginning
               of the contract year.

                          SURRENDER CHARGE PERCENTAGES
                       PREMIUM YEARS
                       SINCE DEPOSIT          PERCENTAGE

                              1                   8%
                              2                   8%
                              3                   7%
                              4                   6%
                              5                   5%
                              6                   4%
                              7                   3%
                              8                   2%
                              9+                  0%


*Premium  year  refers  to the  calendar  year  following  the date we  credit a
particular  premium to your  contract.  After nine years  following  the date we
credit a particular  premium,  there will be no surrender  charge  applicable to
that premium payment.

The total surrender charge  applicable will be the sum of the surrender  charges
applicable  to each premium  withdrawn or  annuitized  under a non-life  payment
option.  To determine the surrender  charge, we first assume that your surrender
or non-life  payment option  election is from amounts (other than earnings) that
can be withdrawn without a surrender charge, then from other amounts (other than
earnings) and then from earnings,  each on a "first-in-first-out"  (oldest money
first)  basis.  Once we have  calculated  the total  surrender  charge amount we
actually  withdraw  it  from  the  fixed  account  and  subaccount  in the  same
proportion  that the  withdrawal  is being made.  In  calculating  the surrender
charge,  we do not include  earnings,  although the actual withdrawal to pay the
surrender charge may come from earnings.

If you  surrender the  contract,  we will deduct the  surrender  charge from the
contract value in determining the cash surrender value. For a partial surrender,
we will deduct the surrender charge from the amount surrendered or from contract
value  remaining after the amount  requested is  surrendered,  according to your
instructions.

SECTION 1. CONTRACT DATA (CONTINUED)                DATE PREPARED:  11/01/2000

            ANNUITANT                                CONTRACT NUMBER
              JOHN A. DOE                              9999999


Investment Options

[ KCL Fixed Account

Subaccounts  that  invest in the  Kansas  City Life  Variable  Annuity  Separate
Account:

               MFS Emerging Growth Series
               MFS Research Series
               MFS Total Return Series
               MFS Utilities Series
               MFS Global Governments Series
               MFS Bond Series
               American Century VP Capital Appreciation
               American Century VP Income & Growth
               American Century VP International
               American Century VP Value
               Federated American Leaders Fund II
               Federated High Income Bond Fund II
               Federated International Small Company Fund II
               *Federated Prime Money Fund II
               Dreyfus Appreciation Portfolio
               Dreyfus Small Cap Portfolio
               Dreyfus Stock Index Fund
               The Dreyfus Socially Responsible Growth Fund, Inc.
               J P Morgan U.S. Disciplined Equity Portfolio
               J P Morgan Small Company Portfolio
               Franklin Real Estate Fund (Class 2)
               Franklin Small Cap Fund (Class 2)
               Templeton Developing Markets Securities Fund (Class 2)
               Templeton International Securities Fund (Class 2)
               Calamos Convertible Portfolio
               AIM V.I. Dent Demographic Trends Fund
               AIM V.I. Telecommunications and Technology Fund
               AIM V.I. Value Fund
               Seligman Capital Portfolio (Class 2)
               Seligman Communications and Information Portfolio (Class 2)

*The Federated Prime Money Fund II subaccount is referred to in this contract as
the money market sub-account.]

Section 2:  Definitions
The  following  key  words  are  used in this  contract  and  are  important  in
describing it. Please refer back to these definitions as you read this contract.

2.1  Accumulation Unit
An accounting unit used to calculate the variable account value. It is a measure
of the net investment results of each of the sub-accounts.

2.2  Age
The age on the Annuitant's last birthday as of each contract  anniversary.  This
contract is issued at the age last birthday  shown in Section 1, Contract  Data.
If the contract date falls on the birthday of the Annuitant, the age will be the
age the Annuitant reaches on the contract date.

2.3 Allocation Date
The date on which the  initial  net  premium is  allocated  to the money  market
sub-account(s). This date is the later of the date when all requirements are met
and your application is approved,  or the date we receive the initial premium at
the Home Office.

2.4  Annual Administration Fee
A level  charge we  deduct  from the  contract  value at the  beginning  of each
contract year to compensate us for the costs associated with  administration  of
the contract.

2.5  Annuitant
The person on whose life the annuity benefit for this contract is based.

2.6  Asset-Based Administration Charge
A  percentage  charge  we  deduct  on a  daily  basis  from  the  assets  of the
sub-accounts to compensate us for the costs  associated with  administration  of
the contract.

2.7  Beneficiary
The person you have designated in the  application  (or in the last  beneficiary
designation  filed with us) to receive any proceeds  payable under this contract
at the death of the Annuitant or owner.

2.8  Cash Surrender Value
Equals the contract  value at the time of surrender  less  applicable  surrender
charges, loan balance and any premium taxes payable.

2.9  Contract Anniversary
The same day and month as the contract date each year that the contract  remains
in force.

2.10  Contract Date
The date from which we compute contract months, years and anniversaries.

2.11  Contract Value
The sum of the variable account value and the fixed account value.  These values
are described in more detail in Section 5, Contract Values.

2.12  Contract Year
Any period of twelve  months  starting  with the contract date and each contract
anniversary thereafter.

2.13  Fixed Account
An account that is part of our general  account.  The investment  performance of
the variable account has no impact on the fixed account.

2.14  Fixed Account Value
The contract value in the fixed account.

2.15  Guaranteed Minimum Death Benefit
There is a base Guaranteed Minimum Death Benefit provision. In addition, you may
choose  one of two  Guaranteed  Minimum  Death  Benefit  options  which  provide
different  levels of death benefit  guarantees.  The two options have  different
issue  requirements and guaranteed minimum death benefit monthly expense charges
associated with them.

2.16  Maturity Date
The date shown in  Section 1,  Contract  Data,  when we will apply the  contract
value under a life payment option,  (unless you have elected to receive the cash
surrender value as a lump sum payment or under a non-life  payment  option.) For
qualified and non-qualified  contracts, the latest maturity date is the later of
the contract  anniversary  following the Annuitant's  85th birthday or the tenth
anniversary  of the contract.  However,  qualified  contracts may be required to
begin distributions at age 70 1/2.

2.17  Mortality and Expense Risk Charge
A charge we deduct from the assets of the  sub-accounts to compensate us for the
mortality and expense risks for the contract.  We show this charge in Section 1,
Contract Data.

2.18  Net Investment Factor
The ratio of the  sub-account  performance  of the current  valuation day to the
immediately prior valuation day. The sub-account  performance  includes gains or
losses in the  sub-accounts,  dividends  paid, any capital gains or losses,  any
taxes,  mortality  and expense  risk  charges,  and  asset-based  administration
charges.

2.19  Owner
The person  entitled  to  exercise  all rights and  privileges  provided  in the
contract.

2.20 Premium Year
The 12 month period  following  the date we credit a particular  premium to your
contract.

2.21  Proceeds
The total amount we are obligated to pay under the terms of this contract.

2.22  Subaccounts
The  division of accounts  making up the  variable  account.  The assets of each
sub-account  are invested in a  corresponding  portfolio of a designated  mutual
fund. The sub-accounts are shown on page 6 of the contract.

2.23  Valuation Day
Each day on which the New York Stock Exchange is open for business.

2.24  Valuation Period
The interval of time  commencing  at the close of business on one  valuation day
and ending at the close of business on the next valuation day.

2.25  Variable Account
The Kansas City Life Variable Annuity Separate Account.  This is not part of our
general account. The variable account has sub-accounts each of which is invested
in a corresponding portfolio of a designated mutual fund.

2.26  Variable Account Value
The total value of a contract allocated to sub-accounts of the variable account.

2.27  We, Our, Us
Kansas City Life Insurance Company.

2.28  Written Notice
A written  notice or written  request  in a form  satisfactory  to us,  which is
signed by the owner and received at the Home Office.

2.29  You, Your
The owner of this contract. The owner may be someone other than the Annuitant.


Section 3:  Proceeds
3.1 Types  of Proceeds and Method of Payment
There are  various  types of  proceeds  available  under  this  contract.  These
include:

     o    Maturity proceeds
     o    Death proceeds
     o    Surrender proceeds
     o    Partial surrender proceeds
     o    Nursing Home Benefit proceeds

We will pay maturity,  death or surrender proceeds either under a payment option
(as describe in Section 10, Payment of Proceeds) or in a lump sum. The amount of
proceeds  payable  will  vary by the type of  proceeds  and the form of  payment
selected. We will only pay partial surrender proceeds as a lump sum or under the
Systematic Partial Surrender Plan described in Section 5.7.

We have the right to require that this contract be returned to us when maturity,
surrender or death proceeds are paid.

To the extent  permitted by law,  proceeds  will not be subject to any claims of
your creditors or the beneficiary's creditors.

3.2  Maturity Proceeds
On the maturity  date we will pay the  maturity  proceeds to the  Annuitant,  if
living.

The maturity proceeds will be equal to:

     (1)  the cash  surrender  value as described in Section 5.5 if you choose a
          lump sum or payment options 1, 2, or 3: or

     (2)  the contract  value as described in Section 5.1 if you choose  payment
          options 4 or 5.

If you fail to make another  selection of a payment  option or lump sum payment,
we will apply the  contract  value under  payment  option 4 with an  installment
refund option of 120 months.  This means that the monthly payments will continue
for a minimum of 120 months and as long  thereafter as the Annuitant  lives.  If
the Annuitant  dies before  receiving a total of 120 monthly  payments,  we will
continue  to make  monthly  payments  to the  beneficiary  until a total  of 120
payments  have been made.  The  beneficiary  may elect in writing to receive the
present value of any remaining guaranteed payments in a single sum.

3.3      Death Proceeds
If the Annuitant dies before the maturity date, the  beneficiary  will receive a
death  benefit.  The death  benefit  will be  calculated  depending  upon  which
guaranteed  death  benefit  option is in effect on the  contract  at the date of
death.  There is a Base  Guaranteed  Minimum  Death  Benefit,  or at  issue  two
enhanced  options  may be chosen at an  additional  charge.  The two  Guaranteed
Minimum Death Benefit Options are:

     o    The Annual Ratchet Guaranteed Minimum Death Benefit Option; and

     o    The Enhanced Combination Guaranteed Minimum Death Benefit Option.

The issue  requirements  and Guaranteed  Minimum Death Benefit  Monthly  Expense
Charge  vary for each  Guaranteed  Minimum  Death  Benefit  Option.  The monthly
expense charge for each option is shown in Section 1, Contract Data.

Under the Base  Guaranteed  Minimum Death  Benefit,  we guarantee that the death
benefit will be the greater of:

     (1)  premiums paid,  proportionately adjusted for partial surrenders,  less
          any loan balance; or

     (2)  the contract  value less any loan balance on the date we receive proof
          of the Annuitant's death.

     This option is available at issue and at any time thereafter.

Under the Annual  Ratchet  Guaranteed  Minimum Death Benefit Option we guarantee
that the death benefit for the Annuitant's attained age 80 and below will be the
greater of:

     (1)  the death benefit  calculated under the Base Guaranteed  Minimum Death
          Benefit; or

     (2)  the highest  contract  value as of a contract  anniversary  during any
          point the  contract  has been in effect on or before  the  Annuitant's
          death.  Any loan balance will be deducted from such contract value and
          the contract value will also be  proportionately  adjusted for partial
          surrenders.

          For the  Annuitant's  attained age 80 and above we guarantee  that the
          death benefit will equal the greater of:

          (a)  the contract value at the time of death; or

          (b)  the value of the Guaranteed Minimum Death Benefit on the contract
               anniversary  following the Annuitant's 80th birthday,  calculated
               as  described   above,   proportionately   adjusted  for  partial
               surrenders,  less any loan  balance  and plus any  premiums  paid
               since the contract  anniversary  following the  Annuitant's  80th
               birthday.

          This option is only  available  at issue of the  contract  and is only
          available to Annuitants with issue ages of 75 or below.

Under the  Enhanced  Combination  Guaranteed  Minimum  Death  Benefit  Option we
guarantee that the death benefit for the  Annuitant's  attained age 80 and below
will be the greater of:

     (1)  the death benefit  calculated under the Base Guaranteed  Minimum Death
          Benefit; or

     (2)  premiums paid,  accumulated  annually at 5% interest until the date of
          the Annuitant's death, proportionately adjusted for partial surrenders
          and  deducting  any loan  balance.  We place a maximum  on the  amount
          accumulated at 5% interest of two times the total premiums paid,  less
          surrenders and any loan balance; or

     (3)  the highest  contract  value as of a contract  anniversary  during any
          point the  contract  has been in effect on or before  the  Annuitant's
          death.  Any loan balance will be deducted from such contract value and
          the contract  value was also be  proportionately  adjusted for partial
          surrenders.

     For the  Annuitant's  attained age 80 and above we guarantee that the death
     benefit  will equal the greater of:

     (1)  the contract value at the time of death; or

     (2)  the value of the  Guaranteed  Minimum  Death  Benefit on the  contract
          anniversary  following the  Annuitant's  80th birthday,  calculated as
          described above, proportionately adjusted for partial surrenders, less
          any  indebtedness  and plus  any  premiums  paid  since  the  contract
          anniversary following the Annuitant's 80th birthday.

     This  option  is  only  available  at  issue  of the  contract  and is only
     available to Annuitants with issue ages of 70 or below.

The proportionate adjustment to the Guaranteed Minimum Death Benefit for partial
surrender is equal to a reduction in the Guaranteed  Minimum Death Benefit by an
amount equal to the  percentage of the partial  surrender,  including  surrender
charges,  as compared to the  contract  value  immediately  prior to the partial
surrender.

If you have  elected  the Annual  Ratchet  or  Enhanced  Combination  Guaranteed
Minimum Death Benefit Options, you may change the option at any time to the Base
Guaranteed  Minimum  Death  Benefit.  The  effective  date of change will be the
monthly  anniversary  day on or following the date we receive  written notice of
the change.

We will  pay  interest  on  single  sum  death  proceeds  from  the  date of the
Annuitant's death until the date of payment.  Interest will be at an annual rate
determined  by us, but never less than the rate  required  by the state in which
this contract is delivered.

3.4  Surrender Proceeds
We will pay proceeds of a full surrender as either a lump sum or under a payment
option as  described  in Section  10,  Payment of  Proceeds.  Unless you specify
otherwise, we will pay full surrender proceeds as a lump sum. Surrender proceeds
will be equal to:

     (1)  the cash  surrender  value as described in Section 5.5 if you choose a
          lump sum or payment options 1, 2 or 3: or

     (2)  the contract  value as described in Section 5.1 if you choose  payment
          options 4 or 5.

The amount of proceeds payable under the Partial Surrender  Provision is defined
in Section 5.6. We will only pay out partial surrender proceeds as a lump sum or
under the Systematic Partial Surrender Plan described in Section 5.7.

3.5 Nursing Home Benefit Proceeds
If we  receive  satisfactory  proof  that the Owner is  admitted  to a  licensed
nursing  home,  up to the full  contract  value may be paid out equally  over at
least a three year period with no surrender charges.  The Owner must be confined
to a licensed nursing home for a least 90 days before the surrender charges will
be waived.

3.6 Proceeds Applied Under Payment Options
If you elect to receive  proceeds under a payment option as described in Section
10, we may require proof that the Annuitant is living.

If you  choose to  receive a life  income  (payment  options 4 or 5),  this life
income will be purchased  using the applicable  monthly life income factor shown
in  Section  10. If the pay out rates in use by us at the time  proceeds  become
payable are more  favorable  than those  shown in Section 10, we will  provide a
life income using the more favorable rates.

Once a monthly life income  (payment  options 4 or 5 as described in Section 10)
becomes payable, you may not make any election regarding payment of the proceeds
other than the right to change the beneficiary or contingent payee.

Section 4:  Premiums
4.1  Flexible Premium Provision
You must pay your first  premium  when the  contract  is  delivered.  Subsequent
premiums  may be paid at any time while the  contract  is in force  prior to the
maturity  date.  These premiums may vary in amount at your option except that we
have the right to require that the premium payment be at least $50.

All  premiums  after  the  first  are  payable  at  the  Home  Office  or  to  a
representative  authorized to receive  premiums.  We will furnish a receipt upon
request.

We require that the initial  premium  under this  contract be at least  $10,000.
Additional  premiums  may be paid.  We have the  right to limit the  number  and
amount of additional premium payments.

4.2  Nonpayment of Premiums
If premiums for this contract  cease,  we will continue the contract  subject to
Section 6.7,  Contract  Termination.  The monthly income payable on the maturity
date will be as described in Section 3.2, Maturity Proceeds.

Section 5:  Contract Values
5.1  Contract Value
On the contract date the contract value equals:

     (1)  the initial premium paid; less

     (2)  the annual administration fee shown in Section 1, Contract Data.

On any day  after the  contract  date the  contract  value is equal to the fixed
account  value  plus the  variable  account  value.  We will  deduct  the annual
administration fee shown in Section 1, Contract Data, (if applicable),  from the
contract value at the beginning of each contract year.

5.2  Fixed Account Value
On the contract date the fixed account value equals:

     (1)  the portion of the premium allocated to the fixed account; less

     (2)  the portion of the annual  administration  fee  allocated to the fixed
          account.

On each valuation day the fixed account value will be equal to:

         A + B + C - D - E - F

"A" is the fixed  account value on the  preceding  valuation  date plus interest
from the preceding valuation day to the date of calculation.

"B" is the portion of the premiums  allocated to the fixed  account and received
since the preceding  valuation  day, plus interest from the date we receive such
premiums to the date of calculation.

"C" is the amount of any transfers from the  sub-accounts  to the fixed account,
plus  interest on such  transferred  amounts  from the  effective  dates of such
transfers to the date of calculation.

"D" is the amount of any transfers from the fixed account,  to the  sub-accounts
since the preceding valuation day, plus interest on such transferred amount from
the effective dates of such transfers to the date of calculation.

"E" is the amount of any partial surrenders and any applicable  surrender charge
from the fixed account since the preceding  valuation  period,  plus interest on
these surrendered  amounts from the effective date of the partial  surrenders to
the date of calculation.

"F" is the portion of the annual administration fee shown in Section 1, Contract
Data.

5.3  Interest Rate for Fixed Account Value
The  value in the  fixed  account  is  guaranteed  to  accumulate  at a  minimum
effective annual interest rate of 3%. We may credit a rate in excess of 3% while
the contract is in force and before the maturity proceeds have been paid.

We may charge the interest  rate  credited to new deposits at any time.  We will
not charge the interest  rate  credited to funds in the fixed account more often
than once each year.

5.4  Variable Account Value
The variable  account value is the sum of the values of the  sub-accounts  under
this contract.

On the contract date the value of each sub-account equals:

     (1)  the portion of the initial premium allocated to the sub-account; less

     (2)  the portion of the annual  administration  fee,  mortality and expense
          risk charges and asset-based  administration  charge  allocated to the
          sub-accounts.

5.5  Cash Surrender
You may surrender this contract for its cash surrender  value at any time before
the earlier of:

     (1)  your death;

     (2)  the Annuitant's death; or

     (3)  the maturity date.

When you  surrender  the contract  you will  receive 10% of the  contract  value
without  a  surrender  charge,  provided  you have  not  exercised  the  partial
surrender provision or have not participated in the systematic partial surrender
plan during the current contract year.

The cash surrender value of this contract is:

     (1)  the contract value of this contract at the time of surrender; less

     (2)  any applicable  surrender  charge (shown in Section 1, Contract Data);
          less

     (3)  any loan balance; less

     (4)  any premium taxes payable.

To surrender  the contract you must submit a written  request to us. We have the
right to require that the contract be returned to us as well. We will  determine
the cash surrender value on the date we receive these requirements.

We will pay the cash  surrender  value in a lump sum unless you request  payment
under a payment option.

Certain  federal  income tax  consequences  may apply to a cash surrender of the
contract. You should consult your tax advisor before requesting a surrender.

5.6  Partial Surrender
You may make a partial surrender at any time before the earlier of:

     (1)  the death of the Annuitant;

     (2)  the death of the Owner; or

     (3)  the maturity date.

You  may  make a  partial  surrender  of up to 10% of the  contract  value  each
contract year without incurring a surrender  charge.  Any surrender in excess of
10% during a contract year will be subject to the surrender charge.

We will  surrender the amount  requested  from the contract  value on the day we
receive  written  notice  for the  surrender.  We  will  deduct  any  applicable
surrender  charge from the remaining  contract value. If the remaining  contract
value is less than the surrender charge, we will reduce the amount  surrendered.
You may specify the specific amount to be surrendered from certain  sub-accounts
or the fixed account.

The  minimum  distribution  requested  must be for at  least  $100.  We will pay
partial surrender proceeds in a lump sum.

We will pay you the  amount  requested  and  cancel  units  equal to the  amount
surrendered  from the  sub-accounts  and/or the fixed account  according to your
instructions.  In the  event  that the  amount  to be  surrendered  exceeds  the
sub-account(s)  value  and/or  the fixed  account  value,  we will  process  the
surrender for the amount available and contact you for further instructions.

We limit the option to elect a 10% free  partial  surrender  to one per contract
year,  even if the amount  surrendered  during that year is less than 10% of the
contract value. If you are  participating  in the systematic  partial  surrender
plan, that is considered the one free partial surrender for the contract year.

Certain federal income tax consequences may apply to partial surrenders from the
contract.  You should  consult your tax advisor  before  requesting  any partial
surrenders.

5.7  Systematic Partial Surrender
The systematic  partial  surrender plan enables you to  pre-authorize a periodic
exercise of the partial  surrender  right.  If you enter into this plan, you may
instruct  us to  surrender  a requested  dollar  amount  from the  contract on a
monthly, quarterly, semi-annual or annual basis.

The minimum distribution requested must be for at least $100. The maximum amount
which can be surrendered under the plan without a surrender charge is 10% of the
contract  value as of the time the  systematic  plan is elected.  In  subsequent
years the amount  which can be  surrendered  under the plan  without a surrender
charge is 10% of the contract value at the beginning of each contract year.

We will  notify  you if the  total  amount  to be  surrendered  in a  subsequent
contract year will exceed 10% of the contract  value as of the beginning of such
contract  year.  Unless you instruct us to reduce the surrender  amount for that
year so that it does not  exceed  the 10%  limit,  we will  continue  to process
surrenders for the designated  amount.  Once the amount of the surrender exceeds
the 10% limit, we will deduct the applicable surrender charge from the remaining
payments made during that contract year.

Any other  surrender in a year when the  systematic  partial  surrender plan has
been utilized will be subject to the surrender charge.

We will pay you the  amount  requested  and  cancel  units  equal to the  amount
surrendered  from the  sub-accounts  and/or the fixed account  according to your
instructions.  In the  event  that the  amount  to be  surrendered  exceeds  the
sub-account(s)  value  and/or  the fixed  account  value,  we will  process  the
surrender for the amount available and contact you for further instructions.

The option to elect the 10% free systematic partial surrender plan is limited to
one per contract year, even if the amount  surrendered  during that year is less
than 10% of the contract value.

Systematic  partial  surrenders  may be  discontinued  by you at any  time  upon
written request to us at our Home Office.

Certain  federal  income  tax  consequences  may  apply  to  systematic  partial
surrenders  from the  contract.  Therefore,  you  should  consult  with your tax
advisor before requesting any systematic partial surrenders.

5.9  Time Period for Payment
We will normally pay out any partial  surrender,  cash surrender  value or death
benefit  within  seven days of  receiving  your  written  request or receipt and
filing of due proof of death. However, we have the right to suspend or delay the
date of any  surrender,  partial  surrender  or death  benefit  payment from the
sub-accounts for any period during which:

     (1)  the New York Stock Exchange is closed,  other than  customary  weekend
          and  holiday  closings,  or trading on the New York Stock  Exchange is
          restricted as determined by the Securities and Exchange Commission; or

     (2)  the  Securities  and  Exchange  Commission  permits  by an  order  the
          postponement for the protection of contract owners; or

     (3)  The Securities and Exchange  Commission  determines  that an emergency
          exists that would make the disposal of securities held in the variable
          account or the  determination  of the value of the variable  account's
          net assets not reasonably practicable.

For any surrender, partial surrender or transfer from the fixed account, we have
the right to postpone  making a payment to you up to six months from the date of
written  notice.  If  payment  is not  made  within  30 days  after  receipt  of
documentation  necessary to complete the  transaction,  (or such shorter  period
required by a particular jurisdiction),  we will add interest to the amount paid
from the date we receive documentation at 3% (or such higher rate required for a
particular state).

Section 6: Other Contract Provisions

6.1  Contract
This contract and application are the entire  contract.  This contract is issued
in consideration of the application and payment of the premiums.  We will attach
a copy of the application  when we issue the contract.  In the absence of fraud,
all statements made in the application either by you or by the Annuitant will be
considered  representations and not warranties. We may use statements to contest
a claim or the  validity  of this  contract  only if they are  contained  in the
application.

6.2  Authority to Change Contract
No change or waiver of any provisions of this contract will be valid unless made
in writing by us and  signed by our  President,  Vice  President,  Secretary  or
Assistant  Secretary.  No agent or other person has authority to change or waive
any provision of your contract.

6.3  Modifications
Upon notice to you, we may modify the contract, but only if such modification is
necessary to:

     (1)  make the  contract  or the  variable  account  comply  with any law or
          regulation issued by a governmental agency to which we are subject; or

     (2)  assure  continued  qualification  of the  contract  under the Internal
          Revenue  Code or other  federal or state laws  relating to  retirement
          annuities or variable annuity contracts; or

     (3)  reflect a change in the operation of the variable account; or

     (4)  provide additional variable account and/or fixed accumulation options.

We have the right to modify the  contract as necessary to attempt to prevent the
contract  owner from being  considered  the owner of the assets of the  variable
account.

In the event of any such modification,  we will issue an appropriate endorsement
to the contract, if required.

6.4  Incontestability
After this  contract has been in force during the  Annuitant's  lifetime for two
years from the contract  date, we cannot  contest this  contract  except for the
nonpayment of premiums.

6.5  Age and Sex
This  contract  is issued at the  Annuitant's  age shown in Section 1,  Contract
Data. If the contract date falls on the birthday of the Annuitant,  the age will
be the age the Annuitant reaches on the contract date.

If the Annuitant's age or sex has been  incorrectly  stated,  the benefits under
this  contract will be those the proceeds  applied would have  purchased for the
correct age and sex.

If the incorrect statement is not discovered until after payments have begun:

     (1)  any  overpayment  by us will be  deducted  from  the  next  succeeding
          payment or payments as they fall due; or

     (2)  any underpayment by us will be paid in one sum to the Annuitant.

In either case,  interest will be payable at the rate of 3% per year  compounded
annually.

6.6  Option to Change Maturity Date
You may elect a new maturity  date at any time by making a written  notice to us
subject to the following limitations:

     (1)  we must  receive  your  written  notice  at least 30 days  before  the
          current maturity date;

     (2)  the  requested  maturity  date must be a date that is at least 30 days
          after we receive your written notice;

     (3)  the  requested  maturity  date cannot exceed the later of the contract
          anniversary  following the  Annuitant's  85th  birthday,  or the tenth
          anniversary of the contract; and

     (4)  the requested maturity date must be no later than any earlier maturity
          date required by law.

We may  require  that the  contract be  submitted  for  endorsement  to show the
change.

If you elect a new  maturity  date,  the monthly  life income  factor will be as
shown in Table B of Section 10, Payment of Proceeds.

6.7  Contract Termination
We have the right to terminate this contract and pay the cash surrender value if
all of the following occur simultaneously:

     (1)  no premiums have been paid for at least two years;

     (2)  the contract value is less than $2,000; and

     (3)  the total premiums  paid,  less any partial  surrenders,  is less than
          $2,000.

We will mail notice to you of our  intention to terminate  the contract at least
six months in advance.  We have the right to terminate on the date  specified in
the notice, unless:

     (1)  we receive an additional  premium payment before the termination  date
          specified in the notice; or

     (2)  the contract value has increased to the amount specified above.

This additional  premium payment must be for at least the minimum premium amount
we will accept.

6.8  Contract Loans
If your contract has been  purchased as a tax sheltered  annuity as described in
Section 403(b) of the Internal  Revenue Code, as amended,  that is not part of a
plan that is subject to the Employee Retirement Income Security Act of 1974, you
will  have the  option  of taking a  contract  loan at any time  after the first
contract year. If your contract has been purchased in this tax sheltered market,
an endorsement attached to this contract will detail the loan requirements.

6.9  Nonparticipating
This  contract  will not  participate  in any of our profits,  losses or surplus
earnings.

6.10  Annual Report
At least annually we will send you a report showing the following:

     (1)  the contract value;

     (2)  the cash surrender value; and

     (3)  any other information required by law or regulation.

Upon receiving your written notice,  we will send you a report at any other time
during the year for a reasonable charge as determined by us.

6.11  Basis of Computation
Our calculation of guaranteed fixed account values are based on an interest rate
of 3% per year. The reserves and guaranteed fixed account values will at no time
be less than the minimum  required by law of the state in which this contract is
delivered.

Section 7:  Control of Contract

7.1  Ownership
The  Annuitant is the owner unless  otherwise  provided in the  application.  As
owner, you may exercise every right provided by your contract.  These rights and
privileges end at the Annuitant's death.

The consent of the  beneficiary is required to exercise these rights if you have
not reserved the right to change the beneficiary.

7.2  Change of Ownership
You may change the  ownership of this contract by giving  written  notice to us.
The change will be effective on the date your written notice was signed but will
have no effect on any payment made or other action taken by us before we receive
it. We may require that the contract be submitted  for  endorsement  to show the
change.

Certain  federal income tax  consequences  may apply to a change of ownership on
non-qualified  contracts.  You  should  consult  with  your tax  advisor  before
requesting any change of ownership on a non-qualified contract.

7.3  Assignment
An assignment  is a transfer of some or all of your rights under this  contract.
No assignment will be binding on us unless made in writing and filed at our Home
Office.  We  assume  no  responsibility  for  the  validity  or  effect  of  any
assignment.

Certain federal income tax consequences  may apply to an assignment.  You should
consult with your tax advisor before requesting any assignment.

7.4  Beneficiary
The  beneficiary  is  shown  on  the  application  or in  the  last  beneficiary
designation filed with us. Death proceeds will be paid to the beneficiary except
as provided in this Section.

If any beneficiary dies before the Annuitant,  that beneficiary's  interest will
pass to any other beneficiaries according to their respective interest.

If all beneficiaries die before the Annuitant, we will pay the death proceeds to
you, if living, otherwise to your estate or legal successors.

Unless you have  waived the right to do so,  you may change the  beneficiary  by
filing a written notice in a form  satisfactory to us. In order to be effective,
the written notice for change of beneficiary  must be signed while your contract
is in force and the  Annuitant  is living.  The change will be  effective on the
date your written  notice was signed but will have no effect on any payment made
or other action taken by us before we receive it.

The interest of any beneficiary will be subject to:

     (1)  any assignment of this contract which is binding on us; and

     (2)  any optional settlement agreement in effect at the Annuitant's death.

7.5  Simultaneous Death of Beneficiary and Annuitant
We will pay death proceeds as though the  beneficiary  died before the Annuitant
if:

     (1)  the  beneficiary  dies at the same  time as or  within  15 days of the
          Annuitant's death; and

     (2)  we have not paid the  proceeds to the  beneficiary  within this 15-day
          period.

Section 8:  Variable Account

8.1  General Description
The name of the  variable  account  is the  Kansas  City Life  Variable  Annuity
Separate Account. The income, gains and losses, (whether or not realized),  from
assets  allocated  to the variable  account are credited or charged  against the
variable  account  without  regard to our other  income,  gains or  losses.  The
portion of the assets of the  variable  account  equal to the reserves and other
contract liabilities with respect to the variable account will not be chargeable
with liabilities arising out of any other business we may contract.

The assets of the variable  account are segregated by investment  options,  thus
establishing  a  series  of  sub-accounts  within  the  variable  account.

When permitted by law, we have the right to:

     (1)  create new variable accounts;

     (2)  combine variable accounts;

     (3)  remove,  combine  or add  sub-accounts  and make the new  sub-accounts
          available to you at our discretion;

     (4)  substitute  shares  of  another  portfolio  of the  funds or shares of
          another investment company for those of the funds;

     (5)  add new portfolios to the funds;

     (6)  de-register the variable  account under the Investment  Company Act of
          1940 if registration is no longer required;

     (7)  make any changes required by the Investment Company Act of 1940; and

     (8)  operate the variable account as a managed investment company under the
          Investment Company Act of 1940 or any other form permitted by law.

If a change  is made,  we will  send you a  revised  prospectus  and any  notice
required by law. If required, we would first seek the approval of the Securities
and Exchange  Commission,  and when required,  the appropriate  state regulatory
authorities before making a change in the investment options.

8.2  Sub-Accounts
The sub-accounts are separate investment accounts.  They are named in Section 1,
Contract  Data. The assets of each  subaccount  are invested in a  corresponding
portfolio of a designated mutual fund.

Sub-account  values will fluctuate in accordance with the investment  experience
of the applicable portfolio of the fund held within the sub-account.

The sub-account  value is equal to the number of accumulation  units credited to
the sub-account times the appropriate accumulation unit value.

The number of accumulation units to be purchased or redeemed in a transaction is
found by dividing:

     (1)  the dollar amount of the transaction; by

     (2)  the  sub-account's  unit  value  for the  valuation  period  for  that
          transaction.  The number of units in any sub-account will be increased
          at the end of the valuation period by:

          (a)  any  premiums  allocated  to the  sub-account  during the current
               valuation period;

          (b)  any transfers to the sub-account from another sub-account or from
               the fixed account during the current valuation period; and

          (c)  the amount of any variable  account bonus that may be credited on
               a monthly anniversary.

The  number  of units in any  sub-account  will be  decreased  at the end of the
valuation period by:

     (1)  any amounts transferred from the sub-account to another sub-account or
          the fixed account;

     (2)  amounts surrendered during the current valuation period; or

     (3)  the cost of the  monthly  guaranteed  minimum  death  benefit  expense
          charge, if any, that is deducted on the monthly anniversary day.

The number of units in any sub-account  will also be reduced at the beginning of
each contract year by a pro-rata share of the $30 annual administration fee. The
annual  administration  fee will reduce the  sub-account  units in proportion to
each sub-account's value to the entire contract value.

The value of an accumulation  unit for each of the  sub-accounts was arbitrarily
set at $10 when the  first  investments  were  bought.  The  value for any later
valuation period is equal to:

                  A  x  B

"A" is equal to the  sub-account's  accumulation  unit  value for the end of the
immediately preceding valuation day.

"B" is equal to the net investment factor for the most current valuation day.

The net investment factor equals:

                  X/Y     -      Z

"X" equals the sum of:

     (1)  the net asset value per  accumulation  unit held in the sub-account at
          the end of the current valuation day; plus

     (2)  the per  accumulation  unit amount of any  dividend,  or capital  gain
          distribution  on shares  held in the  sub-account  during the  current
          valuation day; less

     (3)  the per accumulation  unit amount of any capital loss  distribution on
          shares held in the sub-account during the current valuation day; less

     (4)  the per accumulation  unit amount of any taxes or any amount set aside
          during the valuation day as a reserve for taxes.

"Y" equals the net asset value per accumulation  unit held in the sub-account as
of the end of the immediately preceding valuation day.

"Z" equals the charges  deducted from the  sub-account on each valuation  period
for the  asset-based  administration  charge and the  mortality and expense risk
charge.

The value of the sub-account may increase, decrease or remain the same.

8.3  Allocations
This contract provides  investment options for the amount in the contract value.
We allocate  amounts  placed in the contract  value to the  sub-accounts  of the
variable account and to the fixed account at your direction. The initial premium
allocation percentages are indicated in the application for this contract.

These  percentages will also apply to subsequent  premium  allocations until you
change them. Such allocation percentages may be changed by written notice.

Allocation  percentages must be zero or a whole number not greater than 100. The
sum of the premium allocation percentages must equal 100.

We have the right to limit the number of  sub-account  allocations  in effect at
any one time.

8.4  Deductions Made From Sub-Accounts
We  deduct  the   mortality   and  expense  risk  charge  and  the   asset-based
administration charge from each of the sub-accounts on each valuation day. These
charges are shown in Section 1, Contract Data.

Section 9:  Transfers

9.1  Transfer Fees
Six transfers per year may be made from  sub-accounts and the fixed account free
of charge.  Any unused  free  transfers  do not carry over to the next  contract
year.  We will charge a $25 transfer fee on any  additional  transfers  during a
contract  year.  For the purpose of  assessing a fee, we consider  each  written
request or telephone  request to be one transfer.  We will deduct the processing
fee from the amount being  transferred,  or from the remaining  contract  value,
according to your instructions.

9.2  Transfers From Sub-Accounts
After the 10-day right to examine period and prior to the maturity date, you may
transfer  all or a part of an amount  from the value in any  sub-account  of the
variable  account to one or more of the  sub-accounts of the variable account or
to the fixed account. The minimum amount that you may transfer is the lesser of:

     (1)  $250; or

     (2)  the total value in that sub-account on that date.

We will treat any transfer that would reduce the amount in a  sub-account  below
$250 as a transfer request for the entire amount in that sub-account.

A transfer fee may apply as described in Section 9.1, Transfer Fees.

An  excessive  number  of  transfers,   including   short-term  "market  timing"
transfers,  may adversely affect the performance of the underlying fund in which
a sub-account invests. If, in our sole opinion, a pattern of excessive transfers
develops,  we have the right not to process a transfer request. We also have the
right not to process a transfer request when the sale or purchase of shares of a
fund is not reasonably  practicable due to actions taken or limitations  imposed
by the fund.

We may suspend or modify this transfer privilege at any time.

9.3  Transfers From The Fixed Account
At your request you may also  transfer an amount from the unloaned  value in the
fixed  account to one or more  sub-accounts  of the  variable  account.  We must
receive the request in writing or other form acceptable to us. You may make only
one transfer from the fixed account each contract year.

We will not transfer more than 25% of the unloaned fixed account  value,  unless
the  balance  after the  transfer  is less than  $250,  in which case the entire
amount will be transferred.

A transfer fee may apply as described in Section 9.1, Transfer Fees.

We may suspend or modify this transfer privilege at any time.

Section 10:  Payment of Proceeds

10.1  Payment Options
You may apply death benefit,  maturity or full  surrender  proceeds of $2,000 or
more to any of the following options:

     Option 1. Interest Payments
     We will make guaranteed  interest payments to the payee annually or monthly
     as elected.  We will pay interest on the proceeds at the guaranteed rate of
     3.0%  per  year  and this may be  increased  by  additional  interest  paid
     annually.  The proceeds and any unpaid interest may be withdrawn in full at
     any time.

     Option 2.  Installments of a Specified Amount
     We will make annual or monthly  payments  until the proceeds  plus interest
     are fully paid. We will pay interest on the proceeds at the guaranteed rate
     of 3.0% per year and this may be  increased  by  additional  interest.  The
     present value of any unpaid installments may be withdrawn at any time.

     Option 3.  Installments For a Specified Period
     Payment of the proceeds may be made in equal annual or monthly payments for
     a specified  number of years.  We will pay  interest on the proceeds at the
     guaranteed  rate of 3.0% per year and this may be increased  by  additional
     interest.  The present value of any unpaid installments may be withdrawn at
     any time. The amount of each payment is shown in Table A.

     Option 4.  Life Income
     We will pay an income  during the payee's  lifetime.  A minimum  guaranteed
     payment  period  may  be  chosen.  We  will  continue  payments  under  the
     Installment  Refund  option until the total income  payments paid equal the
     proceeds applied. The amount of each payment is shown in Table B.

     Option 5.  Joint and Survivor Income
     We will pay an income  during the lifetime of two persons and will continue
     to pay the same  income as long as either  person is  living.  The  minimum
     guaranteed  payment period will be ten years. The amount of each payment is
     shown in Table C.

If the payout rates in use by us at the time  proceeds  become  payable are more
favorable  than those  shown in options 4 and 5, we will  provide a life  income
using the more favorable rates.

10.2  Payee
The payee is the person receiving proceeds under a payment option. The payee can
be you, the Annuitant or a beneficiary.  We will require  satisfactory  proof of
the payee's age under options 4 and 5.

The contingent payee is the person named to receive proceeds if the payee is not
alive.

10.3  Minimum Payments
The payment under any payment  option must be at least $50. We may make payments
less frequently so that each payment is at least $50.

10.4  Choice of Options
You may choose an option by written notice during the Annuitant's  lifetime.  If
an option for payment of proceeds is not in effect at the Annuitant's death, the
beneficiary may make a choice.

10.5  Availability of Options
We have the right to  restrict  these  options  if you  designate  an  executor,
administrator, trustee, corporation, partnership or association as the payee.

10.6  Operative Date
The first  payment  will be  payable  on the  payment  mode  following  the date
proceeds become payable.

10.7  Death of Payee
At the death of the payee, any payments  remaining will be paid according to the
terms of the option chosen for payment of proceeds,  unless the contingent payee
elects in writing to  receive  the  present  value of any  remaining  guaranteed
payments in a single sum.

If a  contingent  payee has not been named or does not  survive  the payee,  the
following amounts will be paid in one sum to the estate of the payee:

     (1)  any amount left on deposit under option 1; and

     (2)  the present value of any remaining guaranteed payments under options 2
          through 5.

If you have not named a contingent  payee, or if every contingent payee named by
you dies before the payee,  you may, by written  notice,  name a new  contingent
payee.  The new  contingent  payee will receive any amount that would  otherwise
have been payable to the payee's estate.

10.8  Claims of Creditors
To the extent permitted by law,  proceeds will not be subject to any claims of a
payee's creditors.
<TABLE>
<CAPTION>

                          TABLE A - INSTALLMENT OPTION*
                       for Each $1,000 of Proceeds Applied
------------- ---------- ----------- ---------- ----------- ---------- ---------- ----------- ----------
  Term of                             Term of                           Term of
   Years       Annual      Monthly     Years      Annual     Monthly     Years      Annual     Monthly
------------- ---------- ----------- ---------- ----------- ---------- ---------- ----------- ----------
     <S>       <C>         <C>          <C>       <C>         <C>         <C>       <C>         <C>
     1         $1000.00    $84.47       11        $104.93     $8.86       21        $62.98      $5.32
     2           507.39     42.86       12          97.54      8.24       22         60.92       5.15
     3           343.23     28.99       13          91.29      7.71       23         59.04       4.99
     4           261.19     22.06       14          85.95      7.26       24         57.33       4.84
     5           211.99     17.91       15          81.33      6.87       25         55.76       4.71

     6           179.22     15.14       16          77.29      6.53       26         54.31       4.59
     7           155.83     13.16       17          73.74      6.23       27         52.97       4.47
     8           138.31     11.68       18          70.59      5.96       28         51.74       4.37
     9           124.69     10.53       19          67.78      5.73       29         50.60       4.27
     10          113.82      9.61       20          65.26      5.51       30         49.53       4.18
------------- ---------- ----------- ---------- ----------- ---------- ---------- ----------- ----------
</TABLE>

<TABLE>
<CAPTION>
                                                    TABLE B - LIFE INCOME OPTIONS*
                                     Monthly Income for Each $1,000 of Proceeds Applied
------------- --------------------------------------------- --------------------------------------------
                                  MALE                                        FEMALE
                   Minimum Guaranteed Payment Period             Minimum Guaranteed Payment Period
    Age
              ---------- ----------- ---------- ----------- ---------- ---------- ----------- ----------
                                                 Install-                                      Install-
                            120         240        ment                  120        240          ment
                None       Months     Months      Refund      None      Months      Months      Refund
------------- ---------- ----------- ---------- ----------- ---------- ---------- ----------- ----------
    <S>          <C>        <C>        <C>         <C>        <C>        <C>         <C>        <C>
    50           $4.23      $4.19      $4.06       $4.05      $3.89      $3.87       $3.81      $3.80
    51            4.31       4.26       4.11        4.11       3.95       3.93        3.86       3.84
    52            4.38       4.33       4.17        4.17       4.01       3.98        3.91       3.89
    53            4.46       4.40       4.22        4.23       4.07       4.04        3.96       3.95
    54            4.55       4.48       4.28        4.29       4.13       4.11        4.01       4.00

    55            4.63       4.56       4.33        4.36       4.20       4.17        4.07       4.06
    56            4.73       4.65       4.39        4.43       4.28       4.24        4.12       4.12
    57            4.83       4.74       4.45        4.51       4.36       4.32        4.18       4.18
    58            4.94       4.83       4.51        4.59       4.44       4.40        4.24       4.25
    59            5.05       4.93       4.57        4.67       4.53       4.48        4.30       4.32

    60            5.17       5.04       4.63        4.75       4.63       4.57        4.37       4.39
    61            5.30       5.15       4.69        4.85       4.73       4.66        4.43       4.47
    62            5.44       5.27       4.75        4.94       4.84       4.76        4.50       4.55
    63            5.60       5.39       4.81        5.04       4.95       4.86        4.56       4.64
    64            5.76       5.52       4.86        5.15       5.08       4.97        4.63       4.73

    65            5.93       5.65       4.92        5.26       5.21       5.09        4.69       4.83
    66            6.12       5.79       4.97        5.37       5.35       5.21        4.76       4.93
    67            6.32       5.94       5.02        5.50       5.50       5.34        4.82       5.04
    68            6.53       6.09       5.06        5.62       5.66       5.47        4.88       5.15
    69            6.76       6.24       5.11        5.76       5.84       5.61        4.94       5.27

    70            7.00       6.40       5.14        5.90       6.02       5.76        5.00       5.39
    71            7.26       6.56       5.18        6.04       6.23       5.92        5.05       5.53
    72            7.53       6.72       5.21        6.20       6.45       6.08        5.10       5.67
    73            7.83       6.88       5.24        6.36       6.70       6.25        5.14       5.81
    74            8.15       7.05       5.26        6.53       6.96       6.43        5.18       5.97

    75            8.49       7.22       5.28        6.70       7.24       6.61        5.22       6.14

------------- ---------- ----------- ---------- ----------- ---------- ---------- ----------- ----------
</TABLE>
<TABLE>
<CAPTION>

                                                 TABLE C - JOINT AND SURVIVOR OPTION*
                                     Monthly Income - Ten Year Guaranteed Payment Period
                                             for Each $1,000 of Proceeds Applied
--------------------- ----------------------------------------------------------------------------------
        Male                                             Female Age
        Age                50            55            60            65            70           75
--------------------- ------------- ------------- ------------- ------------- ------------- ------------
         <S>               <C>           <C>           <C>           <C>           <C>          <C>
         50                $3.31         $3.37         $3.43         $3.49         $3.53        $3.56
         55                               3.47          3.55          3.63          3.70         3.76
         60                                             3.68          3.80          3.91         4.00
         65                                                           3.97          4.15         4.31
         70                                                                         4.41         4.68
         75                                                                                      5.08
--------------------- ------------- ------------- ------------- ------------- ------------- ------------
</TABLE>

*Amounts not shown for available options will be furnished on request.


                           Flexible Premium Variable
                                Annuity Contract
                                Nonparticipating

Annuity  proceeds  payable at maturity date.  Death proceeds payable in event of
death of Annuitant  prior to maturity  date.  Flexible  premiums  payable  until
maturity date or prior death of Annuitant.


If you have any questions  concerning  this contract or if anyone  suggests that
you change or replace this contract,  please contact your Kansas City Life agent
or the Home Office of the Company.