FreedomVariable Annuity

Variable Product SeriesBuilding your future with a secure partner SM

Kansas City Life Insurance Company

Freedom Variable Annuityfeatures at a glance

Minimum deposit $25,000minimuminitialdeposit.

Surrender charge Nosurrendercharges.

Annual fee Noannualfees.

Guaranteed death benefit* Thereisanautomaticfive-yearstep-upintheguaranteedminimumdeathbenefit.

Variable Account charge 1.65-percentannualizedchargetothevariablesubaccountfunds.

Fixed Account restrictions l AllocationstotheKansasCityLifeFixed Accountarelimitedto15percentofthetotal contractvalue.l Therearenorestrictionsonthenumberof transferstoandfromtheFixedAccount.

See your Freedom Variable Annuity prospectus for product details and charges.

*Guarantees are backed by the claims-paying ability of Kansas City Life Insurance Company.

1

What is a variable annuity?

Anannuityisasavingsvehiclethathelpsyouaccumulateassetsonatax-deferredbasis.Annuitiesareissuedbyinsurancecompaniesandaretheonlyinvestmentvehiclethatcanguarantee*anincomeforyourentirelifetime–oneyoucannotoutlive.

Avariableannuity(VA)allowsyoutodecidehowtoinvestyourmoney.Youcanchoosefromadiverseportfoliogroupthatincludesavarietyofinvestmentoptions,offeringyouanopportunityforahigherrateofreturn.Mostvariableannuitiesofferafixedaccountwithaguaranteedminimuminterestrate.Inshort,avariableannuitycanofferthebestofbothworlds.

Variableannuitiesalsoofferprotectionforyourheirsintheformofguaranteed*minimumdeathbenefits.Mostvariableannuitiesprovideforatleastareturnoftheprincipalinvested(adjustedforanywithdrawalsorloans);manyprovideforenhancedguaranteed*minimumdeathbenefits.

*Guarantees are backed by the claims-paying ability of the issuing insurance company.

Why chooseKansas City Life’s Freedom Variable Annuity?

KansasCityLifeInsuranceCompany’sFreedomVariableAnnuityisdesignedtoofferyouthefinancialfreedomtospendyourretirementasyoulike.Togetstartedyou’llneedaminimumdepositof$25,000.Afterthat,youcansetupaplantomakeadditionaldepositsonaregularbasisormakeunscheduledadditionaldepositswheneveryouchoose.

TheFreedomVAofferstaxadvantageswhilemaximizinggrowthpotentialthroughadiversegroupofinvestmentchoices.Plus,itprovidesdeathbenefitprotectionandanumberofincomeoptions.

BecausetheFreedomVAhasnosurrendercharges,itofferscompleteliquidityshouldanemergencyarise.Youevenhavetheopportunitytolockinahigherguaranteed*minimumdeathbenefiteveryfiveyears.

*Guarantees are backed by the claims-paying ability of Kansas City Life.

2

Who should consider a variable annuity?

Variableannuitiesareaneffectivewaytogetaheadstartonyourretirementsavingsbecausetheycangrowyourmoneyfasterthanfixedannuities.Ofcourse,theycanalsolosemoney.Variableannuitiesarebestsuitedforinvestorswillingtotakesomeriskinordertotakeadvantageoftheopportunityforhigherreturns.

Variableannuitiescanalsobeagoodchoiceifyou’veinvestedthemaximumamountallowedinyouremployer-sponsoredretirementplanorifyouareself-employed.And,avariableannuitycanhelpyoumanageretirementincomeandcontrolwhenyoupayyourtaxes.

3

Using tax deferral to meet your goals

Onereasonannuitieshavebeensopopularovertheyearsisthetaxadvantagestheyoffer.

Taxdeferralmeansyourmoneystaysinvestedandworkstobuildmoremoneyforyourfuture.Unliketraditionalsavingsvehicles,annuityearningsarenottaxeduntilyoubeginreceivingpaymentsortakeawithdrawal.Thattranslatesintomoremoneyyougettokeep.

Investinginanannuitywithinatax-deferredaccountsuchasanIndividualRetirementAccount(IRA)willprovidenoadditionaltaxsavings.

Making your money work as hard as you do

AddedbenefitsoftheFreedomVAincludeservicesandcontractdesignfeaturestohelpyouinplanningandusingthecontracttoyourbestadvantage.

No surrender chargesTheFreedomVAhasnosurrendercharges.Thatmeansyoucanaccessyourmoneyatanytimewithoutpayingawithdrawalcharge.Theremaybetaxpenaltiesforwithdrawalsmadebeforeage591/2 .Youshouldconsultyourtaxadvisor.

No annual feesTherearenoannualadministrativefeesfortheFreedomVA.Thatmeansallofyourmoneystartsworkingforyoufromdayoneandcontinuesworkingforthelifeofthecontract.

The illustration assumes a single contribution of $30,000, a hypothetical annual rate of return of 8 percent and an annual tax rate of 31 percent. This illustration is for comparison purposes only and is not intended to represent the performance of any investment security. A 10-percent federal tax penalty may be imposed on surrenders by purchasers who have not yet reached age 59 1/2. Withdrawals of tax-deferred accumulations may be subject to ordinary income taxes. Freedom VA has a 1.40-percent mortality and expense charge and a 0.25-percent administration charge. The fees and charges associated with variable annuities, when taken into account, would lower the earnings of this investment.

Tax-Deferred Growth

TaxDeferral(NoTaxes)

LiquidationValue(TaxedLiquidation)

AnnuallyTaxed(NoDeferral)

$301,880

$217,597

$150,371

After 30 Years

4

Restriction on allocations to the Kansas City Life Fixed Account

AllocationstotheKansasCityLifeFixedAccountmaynotexceed15percentofthetotalcontractvalue.

Please see the Freedom VA prospectus for details.

MoneyintheKansasCityLifeFixedAccountispartofKansasCityLife’sGeneralAccountandismanagedbyourowninvestmentprofessionals.Fundsearnacurrentinterestratebutneverlessthantheguaranteed*creditingrate.Weguaranteethatthisratewillbeatleast1percentbutnotmorethan3percentperyear.

*This guarantee is backed by the claims-paying ability of Kansas City Life.

Guaranteed Minimum Death Benefit (GMDB)*

Oneofthemostexcitingfeaturesofavariableannuityistheguaranteeddeathbenefitpayableiftheannuitantdiesbeforematurityofthecontract.

Plus,theFreedomVApromisestopayyourbeneficiariesanamountatleastequaltowhatyouhaveinvested.

TheFreedomVAletsyoulockinmarketgains.Theguaranteeddeathbenefitwillbe“steppedup”tothegreatestcontractvalueatfive-yearintervalsfromtheissuedateofthecontracttotheannuitant’sage80.

Ofcourse,ifthecontractvalueatthetimeofdeathismorethaneithertheamountinvestedorthestepped-upguaranteeddeathbenefit,wewillpaythecontractvaluetoyourbeneficiaries.

Alldeathbenefitswillbeadjustedforwithdrawalsandoutstandingloans.

Iftheownerisnottheannuitantandtheownerdiesbeforematurityofthecontract,thedeathbenefitequalsthecurrentcashsurrendervalue.

5

Automatic dollar cost averaging

Thisfeatureallowsyoutosystematicallyinvestspecificdollaramountsatregularintervalssoyoubuymoreshareswhenpricesarelowandfewershareswhenpricesarehigh.Dollarcostaveraginghelpsminimizetheeffectofmarketfluctuationsandmayhelpmaximizegrowthpotential.

Example of Dollar Cost Averaging

Month Monthly Allocation Amount

Share Price at Purchase

Number of Shares Purchased

January $250.00 $24.00 10.42

February

March

April

Totals $1,000.00 $90.00 45.29

$250.00 $26.00 9.62

$250.00 $18.00 13.89

$250.00 $22.00 11.36

Average Price per Share $22.50Average Cost per Share $22.07

Althoughdollarcostaveragingdoesnotensureaprofitorprotectagainstloss,itdoestaketheemotionoutofinvestingandhelpskeepyourprogramontrack.

Becausethisplaninvolvescontinuousinvestmentinsecurities,regardlessoffluctuatingpricelevels,youshouldconsideryourfinancialabilitytocontinuepurchasesthroughperiodsoflowpricelevels.

Youcanelectthisoptionforaperiodofthreeto36months.FundsdesignatedfordollarcostaveragingaredepositedintheFederatedPrimeMoneyFundIIsub-accountandaretransferredmonthlyaccordingtoyourinstructions.

6

Automatic portfolio rebalancing

Portfoliorebalancing,anothervaluablefeatureoftheFreedomVA,letsyoumaintainthelevelofdiversificationyouhavechosenforyourvariableaccountinvestments.Whenyouselectthisoption,weautomaticallyadjustyourportfoliomixeverythreemonthstoequalyourcurrentallocationinstructions.

Thisconceptisillustratedinthehypotheticalexampleusingthreeequalallocations.You,ofcourse,arefreetochooseanyallocationpercentagesyoudesire.Youmaychoosethisfeaturewhenyouopenyouraccountoratanytimeduringthelifeofyourcontract.IftheDollarCostAveragingPlanisineffect,automaticportfoliorebalancingstartswhendollarcostaveragingends.Transfersmadeunderdollarcostaveragingandportfoliorebalancingdonotcountagainstthesixfreetransferspermittedeachcontractyear.

Transfer privilegesYoucantransferfundsbetweenyourvariablesubaccountsand/ortheFixedAccountwithoutanycurrenttaxconsequences.Youarefreetomovemoneyinyourvariableannuitysubaccountsasoftenasyouwish.

Yourfirstsixtransferseachcontractyeararefree;thereafter,a$25feeappliestoeachtransfer.Youcanmaketransfersbytelephone,facsimileoremail.

Income optionsYouselectwhenandhowtobeginusingthecashyou’veaccumulated.Youcanchoosefromavarietyofincomeoptionsincluding:

• Lump-sumdistribution.• Paymentsforaspecifiedamount.• Paymentsforaspecifiedperiodoftime.• Lifeincomeoptionsincludingthosewith10-or20-yearguarantees*.• Jointandsurvivorincomeoptions.

*This guarantee is backed by the claims-paying ability of Kansas City Life.

See the Freedom VA prospectus for details.

BetweenSept.1andDec.1,theendofthecontractquarter,Fund2lostvaluewhileFunds1and3hadgains.

Total Value $15,000

Total Value $16,500

Total Value $16,500

Hypothetical Example of Automatic Portfolio Rebalancing

Sept.1

Dec.1(Prior to Rebalancing)

Fund1 Fund2 Fund3

$5,000(1/3)$5,000(1/3)$5,000(1/3)

$6,435(.39)$4,620(.28)

$5,445(.33)

$5,500(1/3)$5,500(1/3)$5,500(1/3)

OncetheautomaticportfoliorebalancingadjustmentsaremadeonDec.1,youbeginthenextquarterwithyouroriginalallocationpercentages.

Dec.1(After Rebalancing)

7

Withdrawals

Withdrawalproceedscanbepaidtoyouasalumpsumoronascheduledmonthly,quarterly,semi-annualorannualbasisaslongaseachpaymentisatleast$100.

A10-percentfederaltaxpenaltymaybeimposedonwithdrawalsmadepriortoage591/2.Wesuggestyouconsultwithyourtaxadvisor.Withdrawalswillreducecashvalueanddeathbenefit.

Contract charges

Dailychargesareassessedtofundsinthevariablesubaccounts.Onanannualizedbasis,thesechargesare:

• Mortalityandexpenseriskcharge–1.40percent.• Administrativecharge–0.25percent.

Thesechargesarenotdeductedindividuallyfromeachcontract.Rather,theyaredeductedfromthefundbeforeunitvaluesarecalculatedeachnight.

Quarterly reports keep you informed

Aftertheendofeachcalendarquarteryouwillreceiveareportgivingthevalueofyourcontract.Thereportalsowillreflectalltransactionsoccurringduringthepastquarter.

8

Financialstability,basedonahistoryoffiscalintegrity,

highlightsKansasCityLife’srecordofprogress.

Formorethan115years,KansasCityLifeInsurance

Companyhasseentheinsuranceandfinancialservices

worldtransformdramatically.Wearepreparedtosee

ourpolicyholdersthroughthechallengesofthefuture.

KansasCityLife’sreputationisbuiltonintegrity,sound

fiscalpoliciesandhonestbusinesspractices.Tous,

integrityisnotanoutdatednotioninafast-pacedworld.

Itistheguidingforcebehindeverydecisionwemake.

Everypolicywesellisbackedbymorethanacenturyof

qualityserviceandfinancialstability.

This brochure is authorized for distribution only when preceded or accompanied by product and fund prospectuses. The prospectuses contain more complete information about the product, including charges, limitations, expenses and investment options. As an investor, you should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. Read the prospectuses carefully before investing money.

9

Additional prospectuses can be obtained from your registered representative or by calling our toll-free number 800-616-3670.

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.

The federal and state income tax laws in this area are complex and subject to change. Representations made herein are neither complete nor necessarily up to date. Neither Kansas City Life nor its representatives give tax or legal advice. You should consult your tax advisor or attorney for complete details.

5691 7.13C

Customerservicerepresentativesareavailabletoassistyouwithquestionsorrequestsforchanges,transfers,etc.Wevalueyourbusinessandwanttoserveyouanywaywecan.Simplycallorwriteusat:

Service – a Kansas City Life priority

Toobtaininformationaboutyourvariablecontractafterbusinesshours,callourinteractivephonesystematthetoll-freenumbershownabove.Or,accessinformationaboutyourvariablecontractonourwebsite:www.kclife.com

KansasCityLifeInsuranceCompanyVariableAdministrationDepartmentP.O.Box219364KansasCity,MO64121-9364800-616-36708a.m.–4:15p.m.CentraltimeFax:816-931-3585Email:customerservice@kclife.com

The coverage described is for the Century II Freedom Variable Annuity contract, issued by Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Contract form J187. Form number may differ by state. Coverage may not be available in all states.