Personal Risk Profile and Asset Allocation

Variable Product SeriesBuilding your future with a secure partner SM

A Guide to Investing

Kansas City Life Insurance Company

Investment basicsTakingpersonalresponsibilityforprovidingyourownfinancialsecuritycanbeadauntingtask.Itmeansplanningforanincomeyouwon’toutliveandprovidingcashfortheextrathingsyouwanttodoorbuyafteryouretire.

Theearlieryoustart,theeasieritwillbe.

• Team up with a professional.Findoneyoutrustandbehonest withhimorheraboutyourfinancialgoals.Berealisticabout yourexpectations. • Diversify.Spreadyourmoneyoveravarietyofinvestments.Some investmentsperformbetterthanothersatcertaintimes,andwitha diversifiedportfolioyouhaveabetterchanceofweatheringtheups anddownsofthemarket.However,diversificationcannotguarantee gainsorprotectagainstloss. • Get in and stay in.Theearlieryoustart,thelessyouwillhavetoput awaytomeetyourgoalsforretirement.

Andhistoryshowsusthatlong-terminvestorshavebeenrewardedforholdingontotheirinvestmentsthroughperiodsofmarketdeclineandvolatility.Ofcourse,pastperformancecannotguaranteefutureresults.

What is asset allocation?Assetallocationistheprocessofchoosinginvestmentoptionsthatmatchyourpersonalriskprofileandinvestmentgoals.

Generallyspeaking,ifyouareyounger,havealotofassetsordon’tanticipatedippingintoyournesteggfor10yearsormore,youcanaffordtotakemoreriskwithyourinvestments.Butifyouplantousethemoneysoonerratherthanlater,youneedtoprotectyourassetsbyallocatingmoreofyoursavingstosaferinvestments.

Thequestionnaireinthisbrochurewillhelpyoudetermineyourpersonalinvestmentprofile.Theallocationmodelswillhelpyouchooseappropriateinvestmentsforyourprofile.

Portfolio rebalancingRebalancinginvolvesstayingontrackwithyourinvestmentsafteryou’vedevelopedyourinitialassetallocation.

Marketfluctuationsmaychangetheinitialmixofyourinvestments.Rebalancingyourportfolio,oradjustingthetypesoffundsinwhichyourmoneyisinvested,canensurethatyourassetallocationstaysasyouintendedinsteadofhavingtoomuchofyourmoneytiedupinthesametypeofinvestment.

It’saneasywaytokeepyourinvestmentgoalsontrack.Bestofall,youmayselectitasanautomaticfeatureonKansasCityLifeInsuranceCompany’svariableproducts.

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.

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/SIPC, a wholly owned subsidiary of Kansas City Life Insurance Company.

Pe r s o n a l R i s k P ro f i l e

For

RiskToleranceScore

ChecktheboxindicatingtheinvestortypeandportfoliomodelthatmatchesyourPersonalRiskProfilescore

Basedonyourassetallocationmodel,yourinvestmentchoicesare:

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Conservative – Portfolio 1 Moderate-Conservative – Portfolio 2 Moderate – Portfolio 3 Moderate-Aggressive – Portfolio 4 Aggressive –Portfolio 5

Asset allocation offered to Kansas City Life’s clients

Thewayyoudivideyourassetsamongdifferenttypesofinvestmentswill

havealargeimpactonyourportfoliointhelongterm.KansasCityLife

understandsthesechallengesandhasdevelopedthequestionnaireincluded

inthisbrochuretohelpyoudetermineyourpersonalriskprofile.

Yourscoreonthequestionnairewillsuggestanassetallocationmodel

portfoliotoconsiderwhenmakingyourallocationchoices.Remember,

though,thefinalchoiceisyours.

Percentage Fund Name Invested

1

ASSET ALLOCATION PORTFOLIO MODELS

Creatingyourownportfoliocanbeacomplicated

andconfusingprocess.Thefollowinginvestment

modelshavebeenproducedtohelpsimplifythe

decision.Ifyouknowyourrisktolerance,simply

selectamodelanddecidehowmuchtoinvest.

Ifyouneedhelpdeterminingyourrisktolerance,

yourregisteredrepresentativecanhelpyou

determinewhichmodelbestsuitsyourinvestment

stylebyhavingyoucompleteabriefquestionnaire.

Asset Class Allocations

InvestorProfile

Less Volatile

Underlying Fund Allocations Less Volatile

CashEquivalents

Bonds

HighYieldBondsGlobalRealEstate(REITS)

EmergingMarkets

InternationalStocks

MidCapStocksLargeCapValueStocks

LargeCapGrowthStocks

SmallCapStocks

Conservative Moderate-ConservativeYouhavealowertoleranceforshort-termmarketswings,ashorterinvestmenttimehorizon,butdesiresomegrowthpotential.

Youcanacceptamoderatelevelofrisk,haveamediuminvestmenttimehorizonandseekagrowthpotentialthatcancompetewithinflationconcerns.

AmericanCenturyVPInflationProtectionFund–ClassII

AmericanCenturyVPInternationalFund–ClassI

AmericanCenturyVPUltra® Fund–ClassI

AmericanCenturyVPValueFund–ClassI

DreyfusStockIndexFundInc.–InitialShares

FederatedPrimeMoneyFundII

FidelityVIPContrafund®Portfolio–ServiceClass2

FranklinGlobalRealEstateVIPFund(Class2)

JPMorganInsuranceTrustMidCapValuePortfolio–Class1Shares

JPMorganInsuranceTrustSmallCapCorePortfolio–Class1Shares

MFS®TotalReturnBondSeries–InitialClassShares

MFS®StrategicIncomePortfolio–InitialClassShares

ColumbiaVariablePortfolio–MidCapGrowthFund(Class2)

TempletonDevelopingMarketsVIPFund(Class2)

TempletonForeignVIPFund(Class2)

15%

61%

5%

0%

0%

5%

0%

0%9%

5%

17%5%

0%9%3%

9%

0%0%

0%

33%

21%0%0%0%

10%

44%

4%

0%

0%

11%

0%

5%16%

10%

13%7%

0%13%8%

6%

0%3%

0%

23%

14%4%0%5%

4%3%

Portfolio 115%

61%5%

5%

5%9%

0%

0%

0%

0%

Portfolio 210%

10%

44%4%

5%

11%

16%

0%

0%

0%

2

Kansas City LifeCentury II Variable Product Line

More Volatile

More Volatile

Moderate Moderate-Aggressive AggressiveYoucanacceptamoderatelevelofrisk,haveamediuminvestmenttimehorizonandseektheopportunityforlong-termmoderategrowth.

Youarewillingtoacceptaboveaveragerisk,havealongerinvestmenttimehorizonandseekhighgrowthpotential.

Youarewillingtoaccepthigherriskandcantoleratemarketswings,havealonginvestmenttimehorizonandseekhighgrowthpotential.

5%

32%

3%

3%

3%

13%

3%

7%19%

12%

0%

24%

0%

4%

4%

16%

8%

9%20%

15%

0%

10%

0%

5%

5%

19%

11%

12%21%

17%

0%

11%

3%14%

14%

0%

5%9%

10%6%

0%8%3%

12%

5%

10%8%

0%13%12%

3%

3%5%

3%17%

8%4%3%

7%

4%

7%11%

3%14%

12%0%

4%7%

7%14%

0%6%3%8%

4%

Portfolio 35%

12%

32%3%3%3%

3%7%

13%

19%

Portfolio 40%

0%

15%

24%

4%4%

8%9%

16%

20%

Portfolio 50%

0%

17%

10%

5%5%

11%12%

19%

21%

3

4

Kansas City Life’s variable products offers a wide range of investment choices managed by some of today’s top experts in money management.

Category Subaccount Name

Technology

Diversified Emerging MarketsForeign Large GrowthForeign Large ValueGlobal Real Estate

Aggressive Allocation

Utilities

Small Blend

Mid-Cap Value

Mid-Cap Growth

Large Blend

Large Value

Large Growth

Moderate Allocation

High Yield BondInflation-Protected BondIntermediate-Term BondMultisector Bond

Money Market

Retirement Income

Kansas City LifeFixed Account

Target Date

Asset Allocation/Managed Volatility

ColumbiaVariablePortfolio–SeligmanGlobalTechnologyFund(Class2)InvescoV.I.TechnologyFund–SeriesIShares

TempletonDevelopingMarketsVIPFund(Class2)AmericanCenturyVPInternationalFund–ClassITempletonForeignVIPFund(Class2)FranklinGlobalRealEstateVIPFund(Class2)

CalamosGrowthandIncomePortfolio

MFS®UtilitiesSeries–InitialClassShares

ColumbiaVariablePortfolio–SelectSmaller-CapValueFund(Class2)DreyfusOpportunisticSmallCapPortfolio–InitialSharesJPMorganInsuranceTrustSmallCapCorePortfolio–Class1Shares

JPMorganInsuranceTrustMidCapValuePortfolio–Class1Shares

AmericanCenturyVPCapitalAppreciationFund–ClassIColumbiaVariablePortfolio–MidCapGrowthFund(Class2)FranklinSmall-MidCapGrowthVIPFund(Class2)

DreyfusStockIndexFundInc.–InitialSharesDreyfusAppreciationPortfolio–InitialSharesFederatedManagedTailRiskFundII–PFidelityVIPContrafund®Portfolio–ServiceClass2InvescoV.I.CoreEquityFund–SeriesISharesJPMorganInsuranceTrustU.S.EquityPortfolio–Class1SharesMFS®ResearchSeries–InitialClassShares

AmericanCenturyVPIncome&GrowthFund–ClassIAmericanCenturyVPValueFund–ClassI

AmericanCenturyVPUltra®Fund–ClassITheDreyfusSociallyResponsibleGrowthFundInc.–InitialSharesInvescoV.I.AmericanFranchiseFund–SeriesISharesMFS®GrowthSeries–InitialClassShares

MFS®TotalReturnSeries–InitialClassShares

FederatedHighIncomeBondFundII–PAmericanCenturyVPInflationProtectionFund–ClassIIMFS®StrategicIncomePortfolio–InitialClassSharesMFS®TotalReturnBondSeries–InitialClassShares

FederatedPrimeMoneyFundII

FidelityVIPFreedomIncomePortfolio–ServiceClass2

Pleaseseeproductprospectusesfordetails.

All subaccounts are Service Class 2.FidelityVIPFreedom2010Portfolio FidelityVIPFreedom2015PortfolioFidelityVIPFreedom2020Portfolio FidelityVIPFreedom2025PortfolioFidelityVIPFreedom2030Portfolio FidelityVIPFreedom2035PortfolioFidelityVIPFreedom2040Portfolio FidelityVIPFreedom2045PortfolioFidelityVIPFreedom2050Portfolio

TOPS®ManagedRiskGrowthETFPortfolio–Class2SharesTOPS®ManagedRiskModerateGrowthETFPortfolio–Class2SharesTOPS®ManagedRiskBalancedETFPortfolio–Class2Shares

PERF G

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Personal Risk Profile

Belowisalistofquestionstohelpdetermineyourriskprofilewhenrelatingtoinvestments.Pleaseanswerthefollowingquestionsandaddpointsallottedforeachanswer.MatchyourscorestotheSummaryScoringGridtodeterminethetypeofinvestmentportfolioyouranswerssuggestyouaremostsuitedfor.

Question 1What age group do you currently fall in?

•Lessthan45 5points•45–55 4points•56–65 3points•66–75 2points•Olderthan75 1point

Question 2How many years until you plan to access some or all of this investment?

•Notforatleast20years 5points•In11–19years 4points•In6–10years 3points•In1–5years 2points•Within1year 1point

Question 3For this investment, I intend to take:

•Higherriskinreturnforpotentiallygreaterreturns 5points•Moderatetohigherriskinreturnforpotentiallygreaterreturns 4points•Moderateriskinreturnforsomegrowthopportunity 3points•Lowriskinreturnforalittlegrowthopportunity 2points•Slighttonoriskinreturnforgeneralstabilityofprincipal 1point

Question 4Assuming normal market conditions, what would you expect from this investment over time?

•Togenerallykeeppacewiththestockmarket 5points•Toslightlytrailthestockmarket,butmakeagoodprofit 4points•Totrailthestockmarket,butmakeamoderateprofit 3points•Tohavesomestability,butmakemodestprofits 2points•Tohaveahighdegreeofstability,butmakesmallprofits 1point

Questions 5Suppose the stock market performs unusually poorly over the next decade. What would you expect from this investment?

•Toalsoperformpoorly 5points•Tomakeverylittleornothing 4points•Tomakealittlegain 3points•Tomakeamodestgain 2points•Tomakegains,regardlessofthestockmarketsperformance 1point

PERF G

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Question 6Which of these statements would best describe your attitude about the next three year performance of this investment?

•Iunderstandalossofprincipalisarealisticpossibility. 5points•Icantoleratealoss. 4points•Icantolerateasmallloss. 3points•I’dhaveahardtimetoleratinganylosses. 2points•Ineedtoatleastseesomereturn. 1point

Question 7Which of these statements would best describe your attitude about the next three month performance of this investment?

•Iwouldn’tworryaboutmarketfluctuationsinthattimeframe. 5points•Ifmyinvestmentdeclinedgreaterthan20percentI’dbeconcerned. 4points•Ifmyinvestmentdeclinedgreaterthan10percentI’dbeconcerned. 3points•Icanonlytoleratesmallshort-termfluctuationsinmyinvestment. 2points•I’dhaveahardtimeacceptinganyinvestmentdeclines. 1point

Summary Scoring Grid

Score Model Investment Profile

28orover Aggressive Youarewillingtoaccepthigherrisk andcantoleratemarketswings,have alonginvestmenttimehorizonand seehighgrowthpotential.

21–27 Moderate-Aggressive Youarewillingtoacceptaboveaverage risk,havealongerinvestmenttime horizonandseekhighgrowthpotential.

14–20 Moderate Youcanacceptamoderatelevelof risk,haveamediuminvestmenttime horizonandseektheopportunityfor long-termmoderategrowth.

8–13 Moderate-Conservative Youcanacceptamoderatelevelofrisk, haveamediuminvestmenttimehorizon andseekagrowthpotentialthatcan competewithinflationconcerns.

0–7 Conservative Youhavealowertolerancefor short-termmarketswings,ashorter investmenttimehorizon,butdesire somegrowthpotential.

PERF G

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Kansas City Life Fixed Account

MoneyintheKansasCityLifeFixedAccountispartofKansasCityLife’sGeneralAccountandismanagedbyourowninvestmentprofessionals.Fundsearnacurrentinterestratebutneverlessthantheguaranteedcreditingratestatedinthepolicycontract.Thisguaranteeisbackedbytheclaims-payingabilityofKansasCityLife.

Federated Prime Money Fund IITheFederatedPrimeMoneyFundIIisamoneymarketmutualfundthatseekstoprovidestabilityofprincipalanddailyliquidity.AninvestmentinthisfundisnotinsuredorguaranteedbytheFederalDepositInsuranceCorporation(FDIC)oranyothergovernmentagency.Althoughthefundseekstopreservethenetassetvalueofyourinvestmentat$1.00pershare,itispossibletolosemoneybyinvestinginthisfund.

Actualallocationsmayvaryfromtargetallocations.Assetallocationdoesnotguaranteefutureresults.Investmentinanindividualfundorfundsinasingleassetclassmayoutperformorunderperformanassetallocationfund.Bondinvestmentswillfluctuatewithinterestratechanges.Asinterestratesrise,bondpriceswillfall.Highyieldbondshavegreatercreditriskthanhigherqualitybonds.Small-cap,mid-capandemerging-growthcompanystocksmayberiskierandmorevolatilethanlarger,moreestablishedcompanystocks.Internationalinvestingissubjecttocurrencyfluctuationsandpoliticalchanges.Therisksofinternationalinvestmentscanbeaccentuatedwheninvestinginemergingmarkets.Realestateinvestmentsinvolveriskssuchasrefinancing,interestratefluctuations,economicimpactonindustry,changesinpropertyvalues,dependencyonmanagementskillsandriskssimilartosmallcompanyinvesting.Sectorportfoliosandconcentratedportfolioswithfewersecuritiesmaybesubjecttogreaterpricevolatility.Althoughsomeportfoliosmayhavenamesorinvestmentobjectivesthatresembleretailmutualfundsmanagedbythesamemoneymanager,theseportfolioswillnothavethesameunderlyingholdingsorperformanceastheretailmutualfunds.Investmentresultsmaybehigherorlower.

8

We’ll be with you … We’re Kansas City Life

WhenKansasCityLifemakesapromise,westandbehindit.Since1895,wehaveassistedpolicyholdersthroughworldwars,theGreatDepressionandvariousperiodsofrecessionandinflation.

KansasCityLife’sreputationisbuiltonintegrity,soundinvestmentstrategiesandhonestbusinesspractices.Tous,integrityisnotanoutdatednotionintoday’sfast-pacedworld.Itistheguidingforcebehindeverydecisionwemake.Everyproductwesellisbackedbymorethan120yearsofqualityserviceandfinancialsecurity.

5605 5.15H

3520BroadwayKansasCity,MO64111

800.616.3670www.kclife.com