Fixed Product Riders - Agent Sales Guide by 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

For Agent Use Only — Not For Use With Clients

FIXED PRODUCT RIDERS

Agent Sales Guide

Life Riders Life Riders Chart...............................................................................Page 1 Accidental Death Benefit (ADB).......................................................Page 2 Additional Life Insurance (ALI)..........................................................Page 3 Assured Insurability (AI)....................................................................Page 4 Automatic Growth Rider (AGR)........................................................Page 6 Cost of Living (COL).........................................................................Page 7 Children’s Term Insurance (CTI)........................................................Page 8 Disability Continuance of Insurance (DCOI).....................................Page 10 Disability Payment of Premium (DPP)...............................................Page 11 Enhanced Living Benefits (ELB).........................................................Page 12 Extra Protection (EXP).......................................................................Page 13 Income Assured Option (IAO)...........................................................Page 14 Lapse Protection Rider (LPR).............................................................Page 15 Living Benefits Rider (LBR)................................................................Page 16 Monthly Benefit Rider (MBR)............................................................Page 17 Other Insured Term Life Insurance (OI).............................................Page 18 Spouse’s Term Insurance (STI)...........................................................Page 19 Terminal Illness Rider (TIR)...............................................................Page 21 Waiver of Premium (WP)..................................................................Page 22

Fixed Annuity Riders Fixed Annuity Riders Chart...............................................................Page 23 Lifetime Income Rider (LIR)..............................................................Page 24 Nursing Home Waiver (NHW)..........................................................Page 26

Fixed Product Riders Life Riders L-95

Gift of Life

SuperNOVA

Accidental Death Benefit (ADB) Additional Life Insurance (ALI) Assured Insurability (AI) Automatic Growth Rider (AGR) Cost of Living (COL) Children’s Term Insurance (CTI) Disability Continuance of Insurance (DCOI) Disability Payment of Premium (DPP) Enhanced Living Benefits (ELB) Extra Protection (EXP) Income Assured Option (IAO) Lapse Protection Rider (LPR) Living Benefits Rider (LBR) Monthly Benefit Rider (MBR) Other Insured Term Life Insurance (OI) Spouse’s Term Insurance (STI) Terminal Illness Rider (TIR) Waiver of Premium (WP)

FlexWealth Advantage

Life Protector

Cashback Life Series

Select Term Series (Level & Advantage)

ChoiceTerm 20

Accidental Death Benefit (ADB) Issue Ages 5-60 Benefit The Accidental Death Benefit (ADB) rider provides for the payment of an additional amount of insurance in the event of accidental death. The benefit terminates on the policy anniversary on which the insuredâ&#x20AC;&#x2122;s attained age is 70. Amounts The minimum ADB amount is $1,000. The ADB amount cannot exceed the initial specified amount. The amount of ADB in force with all companies cannot exceed $200,000. Other Information This rider is not available to an insured rated higher than Table D or with an aviation or occupational premium exceeding $3.50 per $1,000. Products L-95, SuperNOVA, FlexWealth Advantage, Life Protector, Cashback Life Series, Select Term Series, ChoiceTerm 20 Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Additional Life Insurance (ALI) Issue Ages 0-75 Benefit The ALI rider provides inexpensive additional coverage. The coverage must begin at the issue of the base policy and does not expire. Amounts The minimum issue limit on the ALI rider is $25,000, and the maximum is five times the coverage of the base policy. Other Information The premium for this rider will be included in the guaranteed premium but will not be included in the target premium. Therefore, only excess commissions will be paid on the ALI rider premium. The ALI rider is not available if the Other Insured (OI) rider is added on the insured. The ALI is not convertible. If the Disability Continuance of Insurance (DCOI) rider is included on the base policy, it must also cover the ALI attached to that policy. If the insured has the DCOI and becomes totally disabled, an amount sufficient to cover the cost of the ALI rider will be added to the accumulated value each month in accordance with the provisions of the DCOI. If ADB coverage is included on the base policy, it may also be written, if desired, on the ALI for up to the amount of the rider. The coverage expires at age 70. The amount of ADB in force on the insured with all companies cannot exceed $200,000. Products SuperNOVA Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Assured Insurability (AI) Issue Ages 0-38 Benefit This rider allows the insured to increase the specified amount by the option amount or less on each of the regular option dates or an alternative option date without evidence of insurability. The regular option dates occur on the policy anniversary when the insured has attained the age shown.

Issue Age of Policy

Number of Regular Option Dates

Ages

0-17

18, 22, 25, 28, 31, 34, 37, 40

18-21

22, 25, 28, 31, 34, 37, 40

22-24

25, 28, 31, 34, 37, 40

25-27

28, 31, 34, 37, 40

(0-18 for Gift of Life)

28, 31, 34, 37, 40

28-30

31, 34, 37, 40

31-33

34, 37, 40

34-36

37, 40

37-38

An alternative option date will be 91 days after one of these following events has occurred while the rider is in force: 1. The insured’s marriage. 2. The birth of each living child born of the insured’s marriage. 3. The insured’s legal adoption of a child. The above events must occur at least 90 days prior to the policy anniversary on which the insured is age 40. Amounts ■■ Minimum option amount: $5,000 ■■ Maximum option amount: Lesser of $50,000 or the specified amount. For Gift of Life policies, the AI rider amounts are equal to the original death benefit of $15,000 or $30,000.

Other Information The rider terminates on the policy anniversary on which the insured is age 40. This rider is not available to an insured who is rated higher than Table B or with an aviation or occupational premium exceeding $3.50 per $1,000. The new policy purchased may be any permanent life policy offered by Kansas City Life at the option date. The new policy may not be a term policy. If the base policy includes the Waiver of Premium (WP) rider and Kansas City Life is not waiving premiums due to disability when the new policy is issued, the new policy may include the WP rider. If the base policy includes the WP rider and premiums are being waived when the new policy is issued, the premiums for the new policy will also be waived for the continued disability of the insured. This rider is automatically added to the Gift of Life at age 25. Products L-95, Gift of Life, SuperNOVA, FlexWealth Advantage Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Automatic Growth Rider (AGR) Issue Ages 0-55 with renewal through age 65 Benefit This rider automatically increases the specified amount by 10 percent of the issued specified amount on every third policy anniversary. Amounts The total increases from this rider may not exceed $100,000. Other Information The Automatic Growth Rider (AGR) is available only at issue. There is no charge for this rider. The increased coverage will be issued at the risk class determined at rider issue. Commissions will be paid to the agent of record for the increase. Just as with a requested increase, a new surrender charge period will apply. The rider will terminate if the policy is decreased or if any automatic increase is rejected. This rider is not available to primary insureds who are rated higher than Table B or with an aviation or occupational premium exceeding $3.50 per $1,000. If the policy has the Disability Continuance of Insurance (DCOI) rider, the DCOI will apply to the rider and the monthly charge for any increase under this rider during a period of disability will automatically be included in the monthly deposit provided by the DCOI rider. The increase in specified amount is also covered under the waiver of the monthly deduction in the Disability Payment of Premium (DPP) rider. Following the increase in specified amount the company may require the DPP benefit amount to be increased to the new minimum amount. The Automatic Growth Rider (AGR) and Cost of Living (COL) rider can both be used on the same product. Products FlexWealth Advantage Fees This is a no-cost rider.

Cost of Living (COL) Issue Ages 0-63 Benefit The Cost of Living (COL) rider provides for an automatic increase in the specified amount without evidence of insurability and will be based on the insured’s risk class as of the effective date of this rider. Each increase becomes effective on the policy anniversary and is based on the increase in the Consumer Price Index. Amounts The maximum increase allowed in any one year is 10 percent of the initial specified amount. The total increase allowed by the rider is the lesser of the initial specified amount or $100,000. The increase in the specified amount is calculated as the initial specified amount times a cost of living factor. The cost of living factor for any year is: (D-C) C “C” is the Consumer Price Index for August of the calendar year two years prior to the effective date of any increase in coverage. “D” is the Consumer Price Index for August of the calendar year prior to the effective date of any increase in coverage. Other Information The COL rider is available only at issue. The increased coverage will be issued at the risk class determined at rider issue. Commissions will be paid to the agent of record for the increase. The rider will terminate if the policy is decreased or if two automatic increases are rejected. A decrease in the specified amount caused by a partial surrender will not terminate this rider. There will be no increase in the guaranteed annual premium for an increase in specified amount under this rider. This rider is not available to a primary insured who is rated higher than Table D. If the policy has the Disability Continuance of Insurance (DCOI) rider, the DCOI will apply to this rider and the monthly charge for any increase under this rider during a period of disability will automatically be included in the monthly deposit provided by the DCOI rider. The increase in specified amount is also covered under the waiver of the monthly deduction in the Disability Payment of Premium (DPP) rider. Following the increase in specified amount the Company may require the DPP benefit amount to be increased to the new minimum amount. The COL rider and the Automatic Growth Rider (AGR) can both be used on the same product. Products FlexWealth Advantage Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System. 7

Children’s Term Insurance (CTI) Issue Ages 14 days – 17 years (child’s age) Benefit This rider provides level term insurance on each insured child. The rider expires on the policy anniversary on which the primary insured is age 65, if living, otherwise, the policy anniversary on which the primary insured’s age would have been 65. The term insurance on each insured child continues until the earlier of: ■■ The policy anniversary on which the insured child is age 25 or ■■ The expiration date of the rider. Amounts For each $5,000 of initial specified amount of the base policy, one unit equal to $1,000 of coverage may be purchased for each insured child, up to a maximum of 25 units or $25,000. Other Information An insured child is: 1. Any natural child, stepchild or legally adopted child of the insured provided the child is named in the application for the policy or this rider, is not 18 years of age or older and is living in the insured’s household at date of application; and 2. Any child who, after the date of application, is born of the marriage of the insured, or is legally adopted by the insured prior to the child’s 18th birthday. The cost for this rider is the same, regardless of the number or ages of the children. This rider is not available if the insured is over age 60 or rated higher than Table B. The term insurance on each insured child may be converted to a permanent life insurance policy without evidence of insurability at any time the policy is in force. Conversion must be requested before the earlier of: 1. The policy anniversary on which the insured child is age 25 or 2. 31 days after the expiration date of the rider. There is no conversion credit. The amount of insurance on the new policy may not be more than the amount of insurance provided by the insured child’s rider unless: 1. The insured child married before age 25 or 2. The insured child’s attained age is 25 at conversion. 8

In these cases, the amount of insurance allowed on the new policy will be the lesser of $50,000 or five times the amount of the CTI rider. If the primary insured dies while the CTI rider is in force, the rider will become fully paid up without any payment of further premiums. The paid-up insurance will be a nonparticipating paid-up level term policy, and will have cash value but no loan value. The paid-up insurance will terminate on the policy anniversary on which the primary insuredâ&#x20AC;&#x2122;s age would have been 65. If the base policy has the Waiver of Premium (WP) rider, this rider must also include the WP rider. If the base policy has the Disability Continuance of Insurance (DCOI) rider, the rider must also include the DCOI rider. The DCOI rider covers the disability of the primary insured only. Products L-95, SuperNOVA, FlexWealth Advantage, Life Protector, Cashback Life Series, Select Term Series, ChoiceTerm 20 Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Disability Continuance of Insurance (DCOI) Issue Ages 15-55 with renewal through 59 Benefit This rider preserves the death benefit as of the date of disability by providing monthly deposits to the accumulated value. The amount deposited each month is the net amount at risk on the date of disability times the cost of insurance rate applicable at the time of deposit, plus the monthly charges for any riders, percent of premium charges and monthly expense charges. Under either coverage option, the accumulated value will grow with interest at the current interest rate. The guaranteed payment period is suspended during a period of disability. The surrender charge is not suspended during a period of disability. For benefits to be payable under this rider, total disability must exist for six consecutive months and must occur before age 60. Amounts N/A Other Information This rider is not available if the Disability Payment of Premium (DPP) rider is added to the policy. Products SuperNOVA, FlexWealth Advantage Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Disability Payment of Premium (DPP) Issue Ages 15-55 with renewal through 59 Benefit This rider provides for the payment of the DPP benefit amount as premium to the policy during a period of total disability of the insured only. Benefits will be paid during the continued disability of the primary insured. The DPP benefit amount is a monthly amount that is requested by the applicant and set at issue of the rider. If the policy’s cash surrender value plus the DPP benefit is not large enough to cover the monthly cost of insurance and expense deductions, an additional amount to cover these will be waived. For the benefit to be payable under this rider, the insured’s disability must exist for six consecutive months and must occur before age 60. The rider terminates on the policy anniversary on which the insured is age 60 and is not receiving benefits under this rider. Amounts DPP is expressed as a monthly benefit amount. The minimum amount that may be purchased is the guaranteed monthly premium of the policy. The maximum amount that may be purchased varies by the type of DEFRA test applied: ■■ Cash Value Accumulation Test (CVAT): The maximum is the lesser of the annualized planned premium divided by 12, $2,500 and the guaranteed monthly premium multiplied by • 1.3 for Option A FlexWealth Advantage policies, (1.6 for SuperNOVA and 3.5 for Life Protector); or • 3.0 for Option B FlexWealth Advantage policies (2.0 for SuperNOVA and 5.0 Life Protector); or • 2.0 for Option C SuperNOVA policies. ■■ Guideline Premium Test (GPT): The maximum is the lesser of the annualized planned premium divided by 12, $2,500 and the Guideline Premium Test divided by 12. Other Information This rider is not available if the Disability Continuance of Insurance (DCOI) rider is added to the policy or if the primary insured is rated higher than a Table D. Products SuperNOVA, FlexWealth Advantage, Life Protector Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System. 11

Enhanced Living Benefits (ELB) Issue Ages 20-70 Benefit The benefit base is selected at issue. This benefit base is available to be prepaid monthly to the owner if the insured qualifies for benefits under either, or both, of two triggers. 1. A confinement trigger that requires treatment in a qualified long term care facility continuously for 90 days, or 2. A chronic condition trigger that requires assistance with two of the six activities of daily living (ADL) continuously for 90 days and qualify as receiving care as defined in the rider contract. Payments may be made under both triggers concurrently if the insured qualifies under both triggers. The default monthly benefit payment will be an amount equal to 1 percent of the base benefit amount for each trigger. The default lump sum payable will be an amount equal to 10 percent of the base benefit amount for each trigger. The default percentages could be changed for a particular policy based on underwriting and may vary by state. Amounts The maximum benefit provided by this rider is 90 percent of the base policyâ&#x20AC;&#x2122;s specified amount but not more than $500,000 subject to state availability. The maximum in some states is $350,000. Other Information This rider is not long term care, nursing home or health insurance. There is no benefit for home care, adult day care or other specific services. Payments are based entirely on confinement or chronic condition, not on expenses incurred. There are no restrictions on the use of benefit payments. This rider terminates on the earliest of: 1. Termination of the base policy or 2. Cancellation by the client Products SuperNOVA, FlexWealth Advantage Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System. 12

Extra Protection (EXP) Issue Ages 0-85 SNT, ST 0-80 PENT, PNT, PT Benefit The Extra Protection (EXP) rider provides level yearly renewable term coverage on the insured. The coverage does not expire. Amounts The minimum issue limit on the EXP rider is $25,000 and the maximum is two times the base policy specified amount. Other Information The term insurance of the EXP rider may be converted to a new permanent policy at any time the rider is in-force without evidence of insurability. This includes an increase in the base policy. There is no conversion credit. The amount of insurance on the new policy may not be more than the amount of insurance provided by the EXP rider. If additional coverage is desired on the new policy, evidence of insurability will be required on this additional amount. If the Disability Continuance of Insurance (DCOI) rider is included on the base policy, it must also cover the EXP rider attached to that policy. If the insured has the DCOI rider and becomes totally disabled, an amount sufficient to cover the cost of the EXP rider will be added to the accumulated value each month in accordance with the provisions of the DCOI rider. If the Accidental Death Benefit (ADB) rider coverage is included on the base policy, it may also be written, if desired, on the EXP rider for up to the amount of the rider. The coverage expires at age 70. The amount of ADB in force on the insured with all companies cannot exceed $200,000. Products FlexWealth Advantage Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Income Assured Option (IAO) Issue Ages All Benefit The Income Assured Option (IAO) allows the owner to choose how the death benefit is paid out. At the time the endorsement is added, the owner will designate a lump sum benefit that is immediately paid out at proof of death. The owner will also designate an installment benefit amount paid for a designated number of installment benefit years after proof of death. Payments of the installment benefit amount will begin one modal period after the lump sum benefit is paid and be paid according to the installment benefit mode elected. Amounts Lump Sum Benefit: The amount of lump sum benefit is selected at issue of the option. It is payable upon proof of death. Installment Benefit: The installment benefit amount, the installment benefit period and installment benefit mode are selected at issue of the option. Payments of the installment benefit begin one modal period after the lump sum benefit is paid. Minimum Installment Benefit Amount: $100 Installment Benefit Period: 5-30 years Installment Benefit Mode: Annual, semi-annual, quarterly or monthly Interest Rate Applied: 3 percent (subject to change for new issues) Other Information All adjustments to the death benefit proceeds will be first applied as an adjustment to the lump sum benefit. Any remaining adjustment needed will be applied to the present value of the installment benefit and adjust the installment benefit amount. The owner may change the allocation of the lump sum benefit and installment benefit without underwriting as long as the specified amount remains the same. The IAO can be added to a policy at issue or any time after issue. Products L-95, Gift of Life, SuperNOVA, FlexWealth Advantage, Life Protector, Cashback Life Series, Select Term Series, ChoiceTerm 20 Fees This is a no-cost rider. 14

Lapse Protection Rider (LPR) Issue Ages 20-80 Benefit This rider is automatically added to the Life Protector. The rider provides that the policy remains in force to age 120 if the policy has a positive cash surrender value or the lapse protection balance is not negative. The Lapse Protection feature is in effect only after the initial guaranteed payment period. Amounts N/A Other Information The following changes negate the guarantee: ■■ A requested increase in the specified amount. ■■ A change in the death benefit option. ■■ A rider addition. Products Life Protector Fees This is a no-cost rider.

Living Benefits Rider (LBR) Issue Ages N/A Benefit There are two options under which the insured may qualify for benefits. ■■ Terminal Illness Option: The insured must be certified by a physician as having a terminal condition that is expected to end in death within a 12-month period. The owner has the option of requesting prepayment be made in a lump sum or equal monthly payments for 12 months. ■■ Nursing Home Option: The insured must receive care in an eligible nursing home and meet a six month nursing home confinement elimination period before benefits can begin. Usually, payouts will be in the form of a certain period annuity. The owner may request that up to 100 percent of the policy proceeds (up to $250,000) be designated for prepayment. The amount designated for prepayment will then be calculated based on the life expectancy of the insured. Amounts N/A Other Information If monthly payments are selected, the unpaid amount will earn interest. At death, any unpaid prepayment amount and any death benefit remaining from the policy will be paid to the beneficiary. The amount of payments will vary depending upon the option under which the owner elected payments. Products SuperNOVA, FlexWealth Advantage, Life Protector Fees This is a no-cost rider.

Monthly Benefit Rider (MBR) Issue Ages 20-55 Benefit The Monthly Benefit Rider (MBR) is designed to replace a familyâ&#x20AC;&#x2122;s lost income due to the death of the primary insured. It pays a monthly benefit amount to the named beneficiary upon the death of the insured. The benefit amount is payable for a period selected at policy issue and has an option to increase by 3 percent per year. Multiple MBRs can be added to a single policy as long as the total benefit does not exceed the limits. Amounts The minimum benefit amount of each MBR is $500 paid monthly. The maximum total benefit amount is 2 percent of the initial specified amount. Other Information The minimum stop date for this rider is 10 years beyond the issue date and the maximum corresponds to the date on which the insured would turn 75. This rider is available on both new and in-force policies. The MBR is commissionable. Products SuperNOVA, FlexWealth Advantage Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Other Insured Term Life Insurance (OI) Issue Ages 0-65 Benefit The Other Insured Term Life Insurance (OI) rider provides level yearly renewable term coverage on the person insured by the rider. The coverage does not expire. Amounts The minimum OI specified amount is $10,000. The maximum specified amount of an OI rider on the insured is two times the specified amount of the base policy. The maximum for any person other than the insured is the specified amount of the base policy. Other Information Only the insured, the spouse, children and/or business associates of the insured may be covered by this rider. A maximum of nine lives may be covered by OI riders on one policy. If the Disability Continuance of Insurance (DCOI) rider is included on the base policy, it must also cover any OI riders attached to the policy. If the insured has the DCOI rider and becomes totally disabled, an amount sufficient to cover the cost of the OI rider will be added to the accumulated value each month in accordance with the provisions of the DCOI rider. The DCOI rider provides a benefit only for the disability of the insured. OI Accidental Death Benefit (ADB) coverage is available if the base policy has the ADB rider attached. All policy requirements and limits are the same as on a base policy ADB. Products SuperNOVA, FlexWealth Advantage Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Spouse’s Term Insurance (STI) Issue Ages 15-50 (spouse’s age) The spouse must not be more than 15 years younger or 10 years older than the primary insured. Benefit This rider provides decreasing term insurance on the insured’s spouse. (Common law marriage is not recognized for purposes of qualifying for this rider.) The rider expires on the first policy anniversary on which the insured spouse’s age is 65. The specified amount of insurance per unit of coverage depends on the insured spouse’s attained age. A table indicating the death benefit per unit of coverage is shown here. Insured Spouse’s Age

20 & under 21 22 23 24 25 26 27 28 29 30 31 32 33 34

Insured Specified Amount Specified Amount Spouse’s Age per Unit per Unit

$5,000 $4,900 $4,800 $4,700 $4,600 $4,500 $4,400 $4,300 $4,200 $4,100 $4,000 $3,900 $3,800 $3,700 $3,600

35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

$3,500 $3,400 $3,300 $3,200 $3,100 $3,000 $2,900 $2,800 $2,700 $2,600 $2,500 $2,400 $2,300 $2,200 $2,100

Insured Specified Amount Spouse’s Age per Unit

50 51 52 53 54 55 56 57 58 59 60 61 62 63 64

$2,000 $1,900 $1,800 $1,700 $1,600 $1,500 $1,400 $1,300 $1,200 $1,100 $1,000 $1,000 $1,000 $1,000 $1,000

Amounts 1-5 units Other Information The charge for this rider is based on the number of units of coverage and the insured spouse’s issue age. The premiums for this rider are payable to the insured spouse’s age 65. This rider is not available if the insured is rated higher than Table B or is over age 65. This rider may be converted without evidence of insurability to a nonparticipating permanent life policy being issued by the Company if 1) the rider is in force and 2) the request for conversion is made no later than 31 days after the expiration date of the rider.

There is no conversion credit. If the insured dies while this rider is in-force, the rider will become fully paid up. The insurance will be a nonparticipating paid-up decreasing term policy, and will have cash value but no loan value. The paid-up insurance will terminate on the first policy anniversary on which the insured spouseâ&#x20AC;&#x2122;s age is 65. If the base policy includes the Waiver of Premium (WP) rider, it will also be included in this rider. Products L-95, FlexWealth Advantage, Cashback Life Series, Select Term Series, ChoiceTerm 20 Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Terminal Illness Rider (TIR) Issue Ages N/A Benefit Kansas City Life Insurance Company will pay the accelerated death benefit payment amount if the insured is diagnosed as having a terminal illness by a physician after the effective date and while this rider is in-force. A terminal illness is defined as any noncorrectable medical condition which, in the physician’s best medical judgment, will result in the insured’s death within 12 months from the date of the physician’s certification. Your client may properly claim the accelerated death benefit during the life of the terminally ill insured. Your client may only elect the accelerated death benefit one time regardless of the amount selected. If Kansas City Life Insurance Company pays the accelerated death benefit, the policy’s specified amount, cash/accumulated value and surrender charges, if any, will be reduced by the amount of the accelerated death benefit. Amounts The amount that is paid to the policyowner equals: 1. The TIR election amount (chosen by the policyowner at the time the claim is made); less 2. $200 processing charge (currently waived). The TIR has a minimum amount of 10 percent of the policy specified amount. The maximum amount the TIR can be is 50 percent of the policy’s specified amount. However, the maximum total accelerated benefits payable by Kansas City Life under all policies/riders on the life of a single insured can never exceed $250,000, regardless of the number or sizes of policies or riders in force. The remaining specified amount (after adjustments) must be at least $10,000. Other Information The TIR can be added to a policy at issue or any time after issue. Products SuperNOVA, FlexWealth Advantage, Life Protector, Cashback Life Series, Select Term Series, ChoiceTerm 20 Fees This is a no-cost rider. 21

Waiver of Premium (WP) Issue Ages 15-55 Benefit Waives the premium during a period of total disability when the disability occurs while the rider is in force, before the insured reaches age 60 and exceeds six consecutive months. 1. The disability has existed for six consecutive months, and 2. The disability occurred before the expiration date of the rider, and 3. The disability occurred prior to the expiration date of the base policy. Amounts N/A Other Information This rider may be cancelled at any time. Rider termination will not affect an eligible claim for disability occurring before age 60. The WP rider is automatically added to the Gift of Life at age 25. Products L-95, Gift of Life, Cashback Life Series, Select Term Series, ChoiceTerm 20 Fees For fees involved with this rider, please see Charges and Credits on the Kansas City Life Illustration System.

Fixed Product Riders Fixed Annuity Riders GrowthTrack SecurityTrack

Lifetime Income Rider (LIR) Nursing Home Waiver (NHW)

SelecTrack 5

SelecTrack 7

SelecTrack 10

Lifetime Income Rider (LIR) Issue Ages 40-85 ALB Annuitant Benefit The Lifetime Income Rider (LIR) provides for the guaranteed availability of an annual Lifetime Income Amount (LIA), subject to reduction or termination of the withdrawals if additional withdrawals in excess of the LIA are taken. If no such excess withdrawals are taken, the LIA will never reduce or terminate. The owner must request that lifetime income begin. The date of this request is the Lifetime Income Start Date. The LIA is calculated based on the age on the Lifetime Income Start Date and the Guaranteed Withdrawal Balance (GWB). The GWB is roughly equal to premiums paid (or the contract value at the time the rider is added to an existing policy, plus premiums paid after the rider is issued) plus any bonus less an adjustment for withdrawals. If a withdrawal in excess of the LIA is taken, then the GWB and the LIA are proportionally reduced. The LIA may increase as a result of additional premiums, step-ups and/or bonuses. On the Lifetime Income Start Date, either a single or joint Lifetime Income Option is chosen. If a single Lifetime Income Option is chosen, the lifetime income continues until the death of the annuitant and the Lifetime Income Percentage is based on the age of the annuitant on the Lifetime Income Start Date. If a joint Lifetime Income Option is chosen, the lifetime income continues until the death of both the annuitant and the beneficiary and the Lifetime Income Percentage is based on the youngest age of the two on the Lifetime Income Start Date. For the joint Lifetime Income Option, the annuitant must also be the owner and the beneficiary must be the spouse of the annuitant on the Lifetime Income Start date. The age used for either the single or joint is the Lifetime Income Start Age. The GWB is increased by a bonus in years 1-20, when no withdrawal is taken that year. The bonus is equal to 7.2 percent during years 1-10 and 4.0 percent during years 11-20. The bonus is based on the GWB prior to the bonus calculation and compounds up to 200 percent of a single premium at the end of the 10th year and almost 300 percent at the end of the 20th year if no withdrawals are taken during that time. The GWB is also stepped up to the contract value, if greater than the GWB, on each rider anniversary and on the Lifetime Income Start Date. Lifetime Income Amount The Lifetime Income Amount (LIA) is calculated based on the age of the annuitant (youngest age of annuitant/owner and annuitant/ownerâ&#x20AC;&#x2122;s spouse beneficiary if joint) on the Lifetime Income Start Date and the GWB at that time.

Lifetime Income Start Age 50 to 54 55 to 59 60 to 64 65 to 69 70 to 74 75 to 79 80 to 84 85 to 89 90 and above

Single Life Lifetime Income Joint Life Lifetime Income Percentage (of GWB) Percentage (of GWB) 3.0 3.5 4.0 4.5 5.0 5.5 6.0 6.5 7.0

2.5 3.0 3.5 4.0 4.5 5.0 5.5 6.0 6.5

Products GrowthTrack, SecurityTrack, SelecTrack 5, SelecTrack 7, SelecTrack 10 Fees The monthly charge is 0.0333 percent of the GWB (0.40 percent annually). This is subject to change for new issues, but will not exceed 0.0666 percent of the GWB (0.80 percent annually).

Nursing Home Waiver (NHW) Issue Ages N/A Benefit If Kansas City Life receives satisfactory proof that the owner is admitted to a licensed nursing home, up to the full contract value, less any loan balances, may be paid out equally over at least a three year period with no surrender charges or market value adjustment. Amounts N/A Other Information The owner must be confined for at least 90 days in order for this benefit to apply. Products GrowthTrack, SecurityTrack, SelecTrack 5, SelecTrack 7, SelecTrack 10 Fees This is a no-cost rider.

Notes

Security Assured.

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

Note: The coverage described in this guide is for the fixed product rider portfolio of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Coverage may not be available in all states.

6749

5.12m