Life insurance with great cash values at affordable prices.

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1 Kansas Cit y Life Insurance Company Life insurance with great cash values at affordable prices.

2 Life insurance is usually purchased for the protection provided to loved ones. However, permanent life insurance like universal life offers another worthwhile feature the ability to accumulate tax-deferred cash value. Over the long term, the tax-deferral feature can lead to an accumulation which is often used to help fund a financially secure retirement. As another option, you might wish to access the policy s accumulated value for everyday needs that arise much sooner than retirement, such as updating your home or purchasing a car. Kansas City Life Insurance Company s FlexWealth Advantage SM Universal Life (UL) gives you the opportunity to use your policy s accumulated value when you need it. Learn how FlexWealth Advantage can work for you.

3 With Kansas City Life s FlexWealth Advantage, you get the protection of permanent life insurance with the flexibility you need to handle your life s changing demands. FlexWealth Advantage provides a stable, practical solution with easy-to-use policy features. Flexibility FlexWealth Advantage Universal Life offers great flexibility. You are able to set your premium payment amount and schedule based on your objectives and preferred death benefit. Payment options include annual, semi-annual, quarterly and monthly as well as electronic funds transfer. You can increase or decrease premium payments within certain limits. FlexWealth Advantage pays a death benefit as long as there is sufficient value in the policy to cover charges and costs. Death benefits are generally paid federal income tax-free to your beneficiary. To suit your goals, you have two death benefit options. Option A offers what is called a level death benefit. The death benefit is equal to the specified amount. This level death benefit combines a decreasing net amount at risk (pure insurance protection) with an increasing accumulated value. With Option B, your death benefit is equal to the specified amount plus the accumulated value. The net amount at risk is equal to the specified amount and remains level. This option helps to maximize death benefits. The death benefit increases as the accumulated value builds. Option A Death Benefit Level Death Benefit Specified Amount Option B Increasing Death Benefit

4 Your coverage amount is also responsive to your needs. Specified amount increases must be at least $25,000. Increases are subject to additional charges, and each increase will have its own surrender charge schedule. Additional underwriting for increases may mean higher insurance charges. There is no charge for a specified amount decrease. Policy riders let you further customize for different purposes, including the ability to access policy benefits to pay expenses associates with a terminal illness or nursing home confinement.

5 Build accumulated value Your FlexWealth Advantage policy accumulates a cash value that you can use like any money you might normally borrow from a bank or lender. The accumulated value is the sum of your premium payments, net any policy charges plus the interest credited to your policy. And this value grows on a tax-deferred basis. Credited Interest Rate Each month, your policy s accumulated value earns interest. The rate of interest can change but is guaranteed to never fall below an annual rate of 3 percent. How FlexWealth Advantage works Pay premiums. Loan repayments are deducted and the remaining amount is applied to the accumulated value. Monthly deduction is taken from the accumulated value. Charges vary. Interest is credited to the accumulated value. At death, the beneficiary receives the death benefit minus any outstanding policy loans. Death benefit is received tax-free.

6 Control your money Instead of paying interest to a bank or lender for purchases such as a new car, home repairs or even vacations, with FlexWealth Advantage you can now borrow money from yourself. Through your policy s FlexCash feature, you can loan yourself tax-advantaged money from your policy s cash surrender value and in turn pay yourself back with interest you become the bank! Loans will reduce the policy cash surrender value and death benefit. In most cases, loans are free from current federal taxation.

7 Be your own bank With FlexCash, accessing your policy s accumulated value is an easy process. First determine the loan amount, interest and duration. A quick phone call is all that s needed to request amounts up to $10,000. Or simply fax your FlexCash request. You select your loan amount which determines the additional monthly payment. Your electronic funds transfer can be automatically increased to reflect this additional payment. By applying the entire payment to your loan, your loan can be paid off quickly with all remaining payment going directly to your policy s accumulated value. To make your policy perform even better, beginning in the policy s third year loans are available at a low 1-percent net cost guaranteed! Policy Loans Only a phone call is required for amounts up to $10,000. Loan repayments may be made at any time. 5-percent loan interest rate. 3-percent is earned on the value securing the loan in the first two policy years. Preferred Loan Provision available beginning in the policy s third year. - Low 1-percent net cost. - Cash surrender value, including premiums paid, is available for preferred loans. - Provision is guaranteed! You may also make a withdrawal from your policy s cash value. This option is available after the first policy year and the withdrawal charge is currently waived for withdrawals of $5,000 or more. Withdrawals and loans are subject to policy and Internal Revenue Service restrictions. All FlexWealth Advantage policy options are guaranteed by the financial strength of Kansas City Life Insurance Company. The Company allows you to choose the right amount of protection all the way up to age 120. Please refer to your policy for more detailed information. Loan Request Form Take control of your money! Instead of paying interest to an outside lender, borrow money from yourself through your policy s FlexCash loan feature. Be your own banker! Fax this completed FlexWealth Advantage SM FlexCash form to: Or mail to: P.O. Box , Kansas City, MO Policy Number Insured Owner Phone Number Please send me $ and place a loan against my FlexWealth Advantage policy. By signing below, the owner of the policy acknowledges that any loan requested is a first lien on the policy, which shall be dedu from any benefits or nonforfeiture values. The owner also represents that the policy is not assigned except as indicated below b signature of assignee, if any, and there are no proceedings in bankruptcy against him or her. Signature of Owner Signature of Assignee (if any) Date ChOOse your InTeResT RaTe: Years 1 2 0% $83.33 $41.67 $ Loan Repayment Options o I would like to pay myself back monthly/quarterly/semi-annually/annually (circle one) with loan repayments for years at an annual interest rate of %. I understand my bill will be increased for the period of time sele by an amount to amortize the FlexCash amount over the period selected at the chosen interest rate and my paym directed to repay my loan. Once the loan is paid off, payments will go into my policy as regular premium until t period selected. At that time, my bill will be changed back to the planned premium in place before this policy l ChOOse your PaymenT: o I would like to pay myself back $ monthly/quarterly/semi-annually/annually (circle one) with for years. I understand my bill will be increased by this amount for the period of time selected, an will be directed to repay my loan. Once the loan is paid off, payments will go into my policy as regular prem of the period selected. At that time, my bill will be changed back to the planned premium in place before th 5% $85.61 $43.87 $29.97 $23.03 $ % $86.76 $45.00 $31.11 $24.18 $20.04 $ % $87.92 $46.14 $32.27 $25.36 $21.25 $16.60 $ % $88.85 $47.07 $33.21 $26.33 $22.24 $17.65 $14.35 $12.00 $ % $90.26 $48.49 $34.67 $27.83 $23.79 $19.30 $16.13 $14.00 $13.17 $ FlexWealth advantage monthly Payment per $1,000 of FlexCash Fun

8 A Company you can count on 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. 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 is the guiding force behind every decision we make. Every product we sell is backed by more than 115 years of quality service and financial security. The coverage described is for the FlexWealth Advantage, a product of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Policy form J173 or J174. Form numbers may differ by state. Security Assured.TM 3520 Broadway Kansas City, MO m