Matching the Right Product to the Need by Kansas City Life Insurance Company

Matching the

Right

Product to the

Need

Kansas City Life Insurance Company offers a variety of products to meet your clients’ needs. This guide helps determine which products to use in specific situations. For more details about the products shown, refer to the Product Guide on the Kansas City Life Illustration System or any of the following product guides:

UNIVERSAL LIFE

Ag e n t Sa l e s Gu i d e

Agent Sales Guide

3520 Broadway Kansas City, MO 64111 (816) 753-7000 www.kclife.com

KANSAS CITY LIFE INSURANCE COMPANY

K A N S A S C I T Y L I F E I N S U R A N C E C O M PA N Y

K a n s a s C i t y L i f e i n s u r a n C e C o m pa n y

Note: The coverage described in this guide is for the Term Life Insurance portfolio of Kansas City Life Insurance Company (Home Office: Kansas City, MO). Policy forms J160, J140, J121, J126; Rider forms R100, R102, R195, R108, R109; form number may differ based on jurisdiction. Coverage is not available in all jurisdictions.

For Agent Use Only — Not For Use With Clients

6755

Whole Life Agent Sales Guide (Form 6751)

Universal Life Agent Sales Guide (Form 6753)

Term Life Agent Sales Guide (Form 6755)

Agent Sales Guide

K A N S A S C I T Y L I F E I N S U R A N C E C O M PA N Y

Fixed annuities

CAShbACK LIFE

Agent Sales Gu i d e

For Agent Use Only — Not For Use With Clients

11.09L

K a n s a s C i t y L i F e i n s u r a n C e C o m pa n y

For Agent Use Only — Not For Use With Clients

Cashback Life Agent Sales Guide (Form 6748)

Fixed Annuity Agent Guide (Form 6469)

Kansas City Life’s variable universal life products offer a wide range of investment choices managed by some of today’s top experts in money management. You and your clients may select up to 15 of the available investment choices. Emerging Markets

Templeton Developing Markets Securities Fund (Class 2)

Non-Style Specific

Invesco V.I. Technology Fund Calamos® Growth & Income Franklin Small-Mid Cap Growth Securities Fund (Class 2) MFS® Total Return Series MFS® Utilities Series Columbia Variable Portfolio – Seligman Global Technology Fund Class 2***

International

American Century VP International Fund Templeton Foreign Securities Fund (Class 2)

Global Real Estate (REITS)

Franklin Global Real Estate Securities Fund (Class 2)

Small Cap

JPMorgan Insurance Trust Small Cap Core Portfolio Columbia Variable Portfolio – Select Smaller-Cap Value Fund Class 2** Dreyfus Opportunistic Small Cap Portfolio

Mid Cap

G row t h

Large Cap C o re Va l u e High Yi e l d B o n d s

Columbia Variable Portfolio – Mid Cap Growth Fund Class 2* JPMorgan Insurance Trust Mid Cap Value Portfolio American Century VP Capital Appreciation Fund American Century VP Mid Cap Value Fund American Century VP Ultra® Fund Dreyfus Socially Responsible Growth Fund MFS® Growth Series Invesco V.I. Capital Appreciation Fund Federated Capital Appreciation Fund II Invesco V.I. Core Equity Fund Fidelity VIP Contrafund Portfolio Dreyfus VIF Appreciation Portfolio Dreyfus Stock Index Fund JPMorgan Insurance Trust U.S. Equity Portfolio MFS® Research Series American Century VP Value Fund American Century VP Income & Growth Fund

Kansas City Life’s reputation is built on integrity, sound fiscal policies and honest business practices. To us, integrity is not an outdated notion in a fastpaced world. It is the guiding force behind every decision we make. Every policy we sell is backed by more than a century of quality service and financial stability.

Variable Annuity Products

Federated High Income Bond Fund II

A g g re g a t e Bonds

MFS® Research Bond Series

TIPs

American Century VP Inflation Protection Fund (Class II)

Cash

Federated Prime Money Fund II

Fidelity VIP Freedom Income Portfolio Fidelity VIP 2015 Portfolio Fidelity VIP 2025 Portfolio Fidelity VIP 2035 Portfolio Fidelity VIP 2045 Portfolio

Fidelity VIP 2010 Portfolio Fidelity VIP 2020 Portfolio Fidelity VIP 2030 Portfolio Fidelity VIP 2040 Portfolio Fidelity VIP 2050 Portfolio

*Name changed from Seligman Capital Portfolio Class 2 **Name changed from Seligman Smaller Cap Value Portfolio Class 2 ***Name changed from Seligman Communications and Information Portfolio Class 2

Financial stability, based on a history of fiscal integrity, highlights Kansas City Life’s record of progress. In more than 115 years of business, Kansas City Life Insurance Company has seen the insurance and financial services world transform dramatically. We are prepared to see our policyholders through the challenges of the future.

Accumulator Variable Universal Life

Kansas City Life’s Century II Variable Products are distributed by Sunset Financial Services Inc., Member FINRA and SIPC, a wholly owned subsidiary of Kansas City Life Insurance Company.

MFS® Strategic Income Series1

Kansas City Life The Kansas City Life Fixed Account has not been analyzed by Ibbotson Associates, nor is it included in the variable product asset allocation models. Please see the variable product prospectus for details. Fixed Account

Ta r g e t Date Funds

Financial stability, based on a history of fiscal integrity, highlights Kansas City Life’s record of progress. For more than 115 years, Kansas City Life Insurance Company has seen the insurance and financial services world transform dramatically. We are prepared to see our policyholders through the challenges of the future.

Variable Product Series

Kansas City Life’s Century II variable product series is distributed by sunset Financial services Inc., Member FINRA and sIpC, a wholly owned subsidiary of Kansas City Life Insurance Company.

Variable Product Series

Building your future with a secure partner

Kansas City Life Insurance Company 5587

www.kclife.com

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For Broker-Dealer Use Only. Not for Use with Members of the Public.

www.kclife.com

5586

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For Broker-Dealer Use Only. Not for Use with Members of the Public.

Century II Variable Annuity Products Agent Guide (Form 5587)1 For agent use only. Not for use with clients.

Century II Accumulator Product Guide (Form 5586)1

UNIVERSAL LIFE (UL) SuperNOVA (Client Brochure: Form 1632; Agent Fact Sheet: Form 1633) S e C u r i n g b r i g h t e r t o M o r r o w

K A n s A s C i t y L i f e i n s u r A n C e C o m pA n y

• Ultra competitive long-term cash value. • High income potential through loans and withdrawals. High payout for retirement income. • Great policy issue limits with juvenile issue ages, banding at $1,000,000 and specified amount down to $25,000. • Use with business client to protect against loss of key employee using the Option C death benefit, which is the specified amount plus premiums paid. • Two death benefit tests – GPT and CVAT – offered at issue. • ALI rider provides inexpensive term coverage and counts toward the minimum for determining COI bands, loans and bonuses. Markets: Senior, Family, Retirement Accumulation, Small Business

Life Protector (Client Brochure: Form 2061; Agent Fact Sheet: Form 2062) S e c u R I T Y F O R

L I F e

K a n s a s C i t y L i f e i n s U r a n C e C o m Pa n y

• Coverage to age 120 through premium funding to age 100. • Guaranteed premiums with flexibility on length of guaranteed period. • Affordable lapse protection with strong secondary guarantees built in. • Seven-year surrender charge period.

Life Protector Universal Life

Markets: Senior, Small Business

FlexWealth Advantage (Client Brochure: Form 2047; Agent Fact Sheet: Form 2048)

• Excellent long-term cash values at an affordable price. K A n s A s C i t y L i f e i n s u r A n C e C o m pA n y

• Highest interest crediting rate in the Kansas City Life UL portfolio. • Excellent guaranteed preferred loan options that are available in third year with a net cost of 1 percent. • Two death benefit tests – GPT and CVAT – offered at issue.

Life insurance with great cash values at affordable prices.

• FlexCash option makes it easy for client to get money out. • High agent compensation and generous asset trail with benefits and contests based on full 50 percent in first year. • Enhanced illustration support for partial surrender and loan handling. Markets: Family, Retirement Accumulation, Small Business

For agent use only. Not for use with clients.

Return of Premium Life Cashback Life*

rider choices to fit your needs and lifestyle At a competitive cost, you can enhance your coverage by adding the following riders. •

Accidental Death Benefit Provides an additional death benefit in the event of accidental death. Benefit maximum is equal to initial face amount. Issue age range is 20 to 60.

•

Children’s or Spouse Term Insurance You can add decreasing term life coverage for your spouse or level term for children up to age 17 at a very affordable premium.

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Income Assured Option You can designate a lump sum benefit which is immediately paid out at proof of death. In addition, you can also designate an installment benefit amount paid for a designated number of installment benefit years.

•

Terminal Illness Rider If diagnosed with a terminal illness, you may be eligible to receive an accelerated death benefit. Benefit maximum is 50 percent of the policy’s face amount and can be added at issue or any time after issue. There are no premiums or additional costs for this rider. Waiver of Premium Waives the premium during a period of total disability when the disability occurs before age 60 and exceeds six consecutive months.

(Client Brochure: Form 2019; Agent Fact Sheet: Form 11528)

the right protection from the right company If you value stability, you can take comfort in knowing that Kansas City Life has a proud tradition of assuring security since 1895. Our reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make – and we have for more than a century. Our financial strength and commitment to our policyholders are reflected in our strong ratings from one of the insurance industry’s most respected analysts, A.M. Best. You can count on us to be here when you need us – now and in the years to come.

K a n s a s C i t y L i f e i n s u r a n C e C o m pa n y

Act now to help ensure your family’s future There’s no better time than right now to take action. Contact your representative today and ask how we can help assure your future financial strength. The coverage described in this brochure is for Cashback Life 20 and Cashback Life 30, products of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.) Policy forms J183 or J184; rider forms R214 (WP), R102 (ADB), R210 (STI), R207 (CTI), M652 (IAO) and R195 (TIR). Form numbers may differ by state. Cashback Life may not be available in all states.

Cashback Life Return of Premium

Premiums paid for rider benefits or substandard ratings are not included in the return of premium calculation. The cash value at the end of 20 or 30 years equals all premiums paid for current base coverage only. 2019

3520 Broadway Kansas City, MO 64111 816-753-7000 www.kclife.com

Life Insurance

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• Affordable premiums that are guaranteed in all years and level for 20 or 30 years. • 100 percent of eligible premiums are guaranteed to be returned upon surrender at the end of the level period. • Conversion privileges available. • Renewable coverage up to age 95.* • Option for requalification after 10 years. • Availability of policy loans. • Non-forfeiture options. • Excellent Term Life alternative. Markets: Family, Retirement Accumulation, Small Business

*Not all states will have the same version of the Cashback Life series.

WHOLE LIFE L-95 (Client Brochure: Form 9060)

K a n s a s C i t y L i f e i n s u r a n C e C o m pa n y

L-95 Providing security for your loved ones with traditional whole life insurance coverage

• Traditional whole life insurance. • Guaranteed level premiums for life of policy (to age 95) if premiums are paid as scheduled. • Guaranteed death benefit. • Issued on a non-medical basis (subject to answers to health questions on application) for face amounts under $50,000, regardless of age. • Discount for paying premiums in advance. Markets: Family, Senior

Gift of Life (Client Brochure: Form 1639)

Kansas City Life i nsuran C e Company

Gift of Life Providing security for the children in your life

• Guaranteed coverage at an affordable premium. • Protection for a child as young as 15 days. • Built-in coverage increase at age 25 without need of physical exam or additional underwriting. • Possible waiver of premium if child is disabled between ages 25 and 60. Markets: Family

For agent use only. Not for use with clients.

TERM LIFE Level 10, 15, 20 and 30 and Level 10, 15, 20 and 30 Advantage (Client Brochure: Form 6754)

protecting the future with a term life premium you can count on.

The future is uncertain, challenging, exciting and full of opportunities. Like most smart consumers, you know the importance of protecting your financial security in an uncertain economy. Life insurance is one form of security you can always count on. But right now, maybe you can’t consider a permanent insurance product like universal life. That’s why one of the term life insurance products from Kansas City Life Insurance Company makes sense.

The coverage described in this brochure is for the term life insurance portfolio of Kansas City Life Insurance Company (Home Office; Kansas City, Mo.) Policy forms J160; J140, J121; rider forms R100, R102, R195, R108, R109; form number may differ based on state. Coverage is not available in all states.

With the Select Term Life Series from Kansas City Life, you can lock in your coverage rate for 10, 15, 20 or even 30 years. Our policies ensure that your premiums remain affordable for a predictable term. So whether you’re a dual- or single-income couple just starting out, a single parent (or single with no children), a business owner or partner, or someone establishing a trust, Kansas City Life has a plan to meet your needs.

term Life L o c k i n yo u r t e r m l i f e i n s u ra n c e ra t e s f o r 1 0 , 1 5 , 2 0 o r e v e n 3 0 ye a r s .

3520 Broadway Kansas City, MO 64111 816-753-7299 www.kclife.com

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Security assured.

• Minimum face amount ■ $100,000 for Level 10, 15, 20 and 30. ■ $250,000 for Level 10, 15, 20 and 30 Advantage. • Low initial 10-, 15-, 20- or 30-year premium. • 10-, 15-, 20- or 30-year rate guarantee during select period. • Discount for paying premiums in advance. • Requalification option after 10 years. • Conversion credit available. Markets: Family, Small Business

ChoiceTerm 20

the right protection from the right company

Choiceterm 20 is one of the most straightforward and simple ways to financially protect your family.

(Client Brochure: Form 2815; Agent Fact Sheet: Form 2814)

You can take comfort in knowing your coverage is backed by a company that has been in business since 1895. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make as we have for more than 115 years. You can count on us to be here when you need us – now and in the years to come. We’ll be with you . . . We’re Kansas City Life.

K a n s a s C i t y L i f e i n s u r a n C e C o m pa n y

The coverage described is for the ChoiceTerm 20, a product of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Policy form J160, rider forms R102, R207, M652, R210, R195, R100. Form numbers may differ by state.

Choiceterm 20

3520 Broadway Kansas City, MO 64111 816-753-7299 www.kclife.com 2815

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• Typically lowest 20-year term premium option in Kansas City Life’s portfolio for insurance needs of $1 million or more. • Minimum face amount of $1 million. • Standard Select Nontobacco risk class available. • 20-year renewable convertible term. • Requalification option after 10 years and before age 65 (age 60 in Washington). Markets: Family, Small Business

VARIABLE UNIVERSAL LIFE 1 (VUL) Offered through registered representatives appointed for variable product sales, our VUL allows the owner to participate in equity market growth potential. Variable universal life combines the advantages of a range of investment options with tax-favored life insurance. The owner can transfer funds* between subaccounts with no tax consequences, plus the plan offers automatic portfolio rebalancing, if elected, and dollar cost averaging options at no additional charge.

Accumulator VUL (Client Brochure: Form 5810)

Accumulator Variable Universal Life

Variable Product Series Building your future with a secure partner

Kansas City Life Insurance Company

• Preferred Elite Nontobacco risk classification available. • Lower cost of insurance rates and more competitive cash values in key market segments. • No-cost Guaranteed Minimum Death Benefit (GMDB) rider in force to age 65. • ALI provides inexpensive term coverage and allows greater accumulation without forcing death benefit up. Great for competitive situations. • No maturity date. Policy continues past age 100. • Two death benefit tests – GPT and CVAT – offered at issue. 4

For agent use only. Not for use with clients.

VARIABLE UNIVERSAL LIFE 1 (cont’d) • Option C coverage option provides death benefit equal to specified amount plus total premiums paid. • LGM rider provides a lifetime secondary guarantee without any asset allocation restrictions. • Asset-based trail pays over and over again on the same compounding premium dollars. • More than 40 diversified subaccounts as investment options. Markets: Family, Retirement Accumulation, Small Business

Please refer to the product prospectus for additional details. *The Century II variable universal life product currently limits transfers from the fixed account to once per contract year. The amount may not exceed the greatest of: 25 percent of the unloaned Fixed Account Value in the Fixed Account on the date of transfer (unless the balance after the transfer is less than $250 in which case the entire amount will be transferred), or the amount transferred out of the Fixed Account in the prior year, or $2,000 (or the unloaned Fixed Account Value, if less).

FIXED ANNUITIES SelecTrack (Client Brochure: Form 1469) K A n S A S C i T y L i f e i n S u r A n C e C o m PA n y

SelecTrack

Single Premium Deferred Annuity

A secure investment in your

• • • •

future

• •

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Single premium deferred annuity. Available for qualified and nonqualified markets. Minimum single premium of $10,000. An amount up to 10 percent of the contract value may be withdrawn annually without a surrender charge (one payment election per contract year). Contract owner determines the length of time the current interest rate is guaranteed: five, seven or 10 years. Market value adjustment (not applicable in Delaware, Iowa, Indiana, Maryland, Minnesota, Missouri, Montana, New Jersey, North Carolina, Oregon, Pennsylvania, Utah and West Virginia). Nursing Home Waiver.** No administrative fees. Lifetime Income Rider (LIR) available.

Markets: Senior, Retirement Accumulation

For agent use only. Not for use with clients.

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FIXED ANNUITIES (cont’d) SecurityTrack (Client Brochure: Form 6468)

KAnSAS CiT y LiFe inSurAnCe CompAny

SecurityTrack

Flexible Deferred Fixed Annuity

A secure investment in your future

• Single or flexible premium deferred annuity. • Available for qualified and nonqualified markets. • Minimum premium requirement: $50 per month ($600 annually) or a minimum single premium of $5,000. • 0.25 percent annual bonus for contracts with $50,000 or more on each contract anniversary. • $30 annual administrative fee is waived if the contract value is at least $10,000 or if $600 of premium has been paid during the year. • An amount up to 10 percent of the contract value may be withdrawn annually without a surrender charge (one payment election per contract year). • Nursing Home Waiver.** • Lifetime Income Rider (LIR) available. Markets: Senior, Retirement Accumulation

GrowthTrack (Client Brochure: Form 6545)

K A n s A s C i T y L i F e i n s u r A n C e C o m pA n y

GrowthTrack Flexible Deferred Fixed Annuity

A secure investment in your future

• Single or flexible premium deferred annuity. • Available for qualified and nonqualified markets. • Minimum premium requirement: $50 per month ($600 annually) or a minimum single premium of $5,000. • 1-percent bonus on first contract anniversary. • An amount up to 10 percent of the contract value may be withdrawn annually without a surrender charge (one payment election per contract year). • Nursing Home Waiver.** • Lifetime Income Rider (LIR) available. Markets: Senior, Retirement Accumulation

All of Kansas City Life’s fixed deferred annuities are issued with a guaranteed interest rate, which remains in effect until the first redetermination date. On each redetermination date, a redetermined guaranteed interest rate will take effect. The redetermined guaranteed interest rate will always be at least 1 percent and not more than 3 percent.

**Nursing Home Waiver is not available in California, Massachusetts or Pennsylvania.

Single Premium Immediate Annuity (SPIA)

SPIA tax advantages If you fund your SPIA contract with after-tax dollars, the income payments you receive are partially taxable. A portion of each payment consists of a return of your investment, and a portion is interest. Only the interest portion is treated as taxable income. Once your after-tax investment (basis) is received tax-free, all future payments are 100 percent taxable.

Kansas City Life – serving policyholders since 1895

(Client Brochure: Form 6705)

A promise of financial security is only as good as the company that makes it. When Kansas City Life makes a promise, we stand behind it. Since 1895 we have assisted policyholders through world wars, the Great Depression and various periods of recession and inflation.

If you fund your contract with tax-sheltered dollars, the income payments you receive are typically 100 percent taxable because they represent funds that have not been previously taxed.

Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. To us, integrity is not an outdated notion in today’s fast-paced world. It e cbehind u r i nevery g adecision we is the guidingSforce make. every product we sell is backed by a cenr i g handt efinancial r t o security. morrow tury of qualitybservice

To get a detailed illustration of the SPIA options that are available based on your needs, please contact us at 1-800-821-6164, kclcustomerservice@kclife.com.

KAnSAS CITy LIFe InSurAnCe COmPAny

Single Premium Immediate Split Annuity Annuity

To locate an agent in your area, visit the Customer Center of our Web site and click on “Find an Agent or Office.”

FACT SHEET

Kansas cit y life insurance company

SPIA is a single premium immediate annuity issued by Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Contract form number is J134; however, this form may not be available in all states.

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This agent fact sheet highlights the provisions of Kansas City Life Insurance Company’s Split Annuity concept. Refer to the Annuity Product Description and Rates Section of the Electronic Ratebook or the contracts Guaranteed for complete information on the SecurityTrack, GrowthTrack and 3520 Broadway SelecTrack deferred annuities. Kansas City, MO 64111 816-753-7000

ott allard, sallard@kclife.com, steve Zadeh, szadeh@kclife. SecurityTrack, GrowthTrack and SelecTrack

income tailored

For each deposit made, www.kclife.com there are two contracts – a deferred annuity tand o ay o u r n e e d s supplemental contract providing an immediate income. The supplemental 6705 10.06L contract guarantees a monthly income for the period chosen. If the initial interest rate credited to the deferred annuity remains the same during the supplemental contract period, the deferred annuity will grow to equal the total original deposit assuming no further withdrawals. This result is not guaranteed if Kansas City Life’s crediting interest rates change.

Issue Ages 0-80 0-85 for selectrack 5 Minimum Guaranteed Accumulated Value Rate Based on selected deferred annuity product. Current Interest Rate see information of interest or visit www.kclic.net. Deposit Requirements Without prior company approval, the minimum single payment is $20,000; the maximum is $250,000. if using selectrack , must have at least $10,000 remaining for deferred annuity part. Surrenders and Partial Surrenders up to 10 percent of the accumulated value may be withdrawn each year from the deferred annuity without a surrender adjustment.

• Available for qualified and nonqualified markets. • Offers broad variety of payout options, including guaranteed specified amounts and life contingencies. Markets: Senior, Retirement Accumulation

Split-Annuity (Agent-Use Only Flier: Form 6521) • Available for nonqualified market only. • Offers a combination of deferred annuity and immediate income. Markets: Senior, Retirement Accumulation

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For agent use only. Not for use with clients.

VARIABLE ANNUITIES 1 (VA) Offered through registered representatives appointed for variable product sales, these plans allow the owner to participate in equity market growth potential. Century II variable annuities (VA) are individual flexible premium deferred contracts that allow for a single premium payment. They combine the advantages of a range of investment options with the tax-deferred advantages of an annuity. The owner can transfer fundsa between subaccounts with no tax consequences, and all plans offer automatic portfolio rebalancing, dollar cost averaging and systematic partial surrender options at no additional charge. The Guaranteed Minimum Withdrawal Benefit (GMWB) rider is available on all variable annuity products. • 10-percent annual load-free partial surrender privilege beginning in year one. • Nursing Home Waiver.b • Three commission options.

Century II VA

(Sales Kit: Form 5622)

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Variable Annuity

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• $5,000 minimum single premium or $50 per month. • Seven-year surrender charge period. • $30 annual fee, waived if contract value is $50,000 or higher. • Guaranteed death benefit is greater of premiums paid or contract value. • 10-percent annual load-free partial surrender privilege beginning in year one. • Nursing home waiver.b

Century II Freedom VA

Variable Annuity

Building your future with a secure partner

Customer service representatives are available to assist you with questions or requests for changes, transfers, etc. We value your business and want to serve you any way we can. Simply call or write us at:

Kansas City Life Insurance Company Variable Administration Department P.O. Box 219364 Kansas City, Missouri 64121-9364 1-800-616-3670 8 a.m. — 4:15 p.m. Central Time Fax: 1-816-931-3585 E-mail: customerservice@kclife.com

(Sales Kit: Form 5694)

Freedom Variable Annuity

Service — a Kansas City Life priority

Variable Product Series

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• Product of choice for investors who need liquidity. • Good for retirees and preretirees, 401(k) rollovers and as an alternative to CDs or mutual funds. Minimum $25,000 initial premium; any subsequent premium payments must be at least $50. No surrender charges. No annual fee. Automatic five-year ratchet in the guaranteed death benefit. No limit on number of transfers from the fixed account. Maximum allocation to fixed account is 15 percent for premiums, dollar cost averaging or transfers.

To obtain information about your variable contract after business hours, call our interactive phone system at the toll-free number shown above. Or, access information about your variable contract on our Web site: www.kclife.com

5694

Century II Affinity VA2 (Sales Kit: Form 5677)

Affinity Variable Annuity

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• Product of choice for long-term investors, especially for single premiums.2 • Good for 401(k) rollovers when owner is still in the workforce and does not plan to use funds in the short term. Minimum $10,000 initial premium; any subsequent premium payments must be at least $50. Eight-year rolling surrender charge based on when premiums received. $30 annual fee, waived if contract value is $50,000 or higher. Subaccount bonuses are available on the variable account value. Guaranteed death benefit is greater of premiums paid or contract value. Two additional guaranteed death benefit options are available.

Affinity Variable Annuity

Variable Product Series 5.08m

Freedom Variable Annuity

Variable Product Series

Building your future with a secure partner

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Building your future with a secure partner

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Please refer to the product prospectuses for additional details. All of Kansas City Life’s variable annuities are issued with a guaranteed interest rate for the fixed account, which remains in effect until the first redetermination date. On each redetermination date, a redetermined guaranteed interest rate for the fixed account will take effect. The redetermined guaranteed interest rate for the fixed account will always be at least 1 percent and not more than 3 percent.

Kansas City Life’s Century II Variable Products are distributed by Sunset Financial Services Inc., Member FINRA and SIPC, a wholly owned subsidiary of Kansas City Life Insurance Company.

Century II Affinity VA contract is not available in all states. The Century II Single Premium Affinity Variable Annuity is only available in Alabama and Oregon.

The Lioness...protecting her own.

For agent use only. Not for use with clients.

The Century II variable annuities, excluding Century II Freedom VA, currently limit transfers from the fixed account to once per contract year. Please refer to the product prospectuses for additional information regarding such transfers.

Nursing Home Waiver not available in California.

6758

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