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<H2 ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
United States<BR>
                       Securities and Exchange Commission<BR>
                             Washington, D. C. 20549<BR><BR><BR>



                                    Form 8-K<BR><BR>

                                 Current Report<BR><BR><BR><BR>



                       Pursuant to Section 13 or 15(d) of<BR>
                       the Securities Exchange Act of 1934<BR><BR><BR><BR>




                                February 13, 2004<BR><BR><BR><BR>



                       Kansas City Life Insurance Company<BR>
                                  3520 Broadway<BR>
                        Kansas City, Missouri 64111-2565<BR><BR><BR>



                           Commission File No. 2-40764<BR><BR><BR>


                             IRS Number: 44-0308260<BR><BR><BR>



                        Telephone Number: (816) 753-7000<BR><BR><BR><BR><BR><BR>

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                                   Page 1 of 4

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<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 12 &#150;
Results of Operations and Financial Condition.</FONT></H2>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Included
below is the Press Release promulgated on February 13, 2004 for Kansas City Life
Insurance Company. This Press Release reflects the financial condition as of
December 31, 2003. </FONT></P>
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD WIDTH=55%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>For Immediate Release:  </b>February 13, 2004</font></TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=40%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>Contact: </b>Tracy W. Knapp</font></td></tr>

<TR VALIGN=TOP>
<TD WIDTH=55%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=40%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>Phone:</b>(816) 753-7299, ext. 8216</font></td></tr>
</table>


<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Kansas City
Life Insurance Company<br>Fourth Quarter 2003 Earnings Release</FONT></H1>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Kansas
City Life Insurance Company recorded fourth quarter 2003 net income of $13.0
million or $1.09 per share, compared with $14.5 million or $1.21 per share for
the fourth quarter of 2002. The fourth quarter of 2003 was the strongest quarter
of the year, primarily due to improvements in realized investment gains and
losses. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
income for the year 2003 was $14.8 million or $1.24 per share, compared to $31.5
million or $2.63 per share for 2002. Net realized investment losses narrowed
during the first three quarters and a net realized investment gain of $6.8
million was recorded during the fourth quarter. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company continues to experience premium growth primarily from the sale of
annuities and has expanded its distribution system as a result of the
acquisition of GuideOne Life Insurance Company, which was effective June 30,
2003. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
report provides a summary of the Company&#146;s results for the fourth quarter
and year. A more comprehensive discussion and analysis will be forthcoming. </FONT></P>



<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD WIDTH=55%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Attachment</font></TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=40%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>February 13, 2004</font></td></tr>
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                                   Page 2 of 4

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
KANSAS CITY LIFE INSURANCE COMPANY<BR>
CONDENSED CONSOLIDATED INCOME STATEMENT<BR>
(in thousands, except per share data)
</font></h1>
<pre>

                                 Quarter ended            Year ended
                                  December 31             December 31
                             <u>   2003  </u>  <u>  2002   </u>   <u>   2003   </u>  <u>  2002  </u>

Revenues                   $  126,608    119,155      445,630    438,135
                             =========  =========   ==========  =========

Net income                 $   12,988     14,494       14,793     31,549
                             =========  =========   ==========  =========

Net income per share,
    basic and diluted      $     1.09       1.21         1.24       2.63
                             =========  =========   ==========  =========


Dividends paid             $     0.27       0.27         1.08       1.08
                             =========  =========   ==========  =========


</pre>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i>
A quarterly dividend of $.27 per share will be paid February 23, 2004 to shareholders of record as of February 9,
2004.
</i></font></p>
<pre>

                                            Quarter ended            Year ended
                                              December 31             December 31
                                        <u>   2003   </u>  <u>   2002   </u>   <u>   2003   </u>   <u>   2002   </u>

Average number of shares outstanding    11,925,542  11,992,890   11,944,291   11,997,733

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                                   Page 3 of 4

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURE</FONT></H1>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Exchange Act of 1934, the Registrant has
duly caused this report to be signed on its behalf by the undersigned thereunto
duly authorized. </FONT></P>
<pre>
                                                     <u>KANSAS CITY LIFE INSURANCE COMPANY</u>
                                                                   (Registrant)


                                                     By:<u>/s/William A. Schalekamp</u>
                                                           William A. Schalekamp
                                                           Senior Vice President,
                                                           General Counsel &amp; Secretary
<u>February 13, 2004</u>
       (Date)
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                                   Page 4 of 4

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{"company-data": {"conformed-name": "KANSAS CITY LIFE INSURANCE CO", "cik": "0000054473", "assigned-sic": "6311", "irs-number": "440308260", "state-of-incorporation": "MO", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "002-40764", "film-number": "04600105"}, "business-address": {"street1": "3520 BROADWAY", "city": "KANSAS CITY", "state": "MO", "zip": "64111-2565", "phone": "8167537299X8296"}, "mail-address": {"street1": "3520 BROADWAY", "city": "KANSAS CITY", "state": "MO", "zip": "64111-2565"}}
United States
Securities and Exchange Commission
Washington, D. C. 20549
Form 8-K
Current Report
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
February 13, 2004
Kansas City Life Insurance Company
3520 Broadway
Kansas City, Missouri 64111-2565
Commission File No. 2-40764
IRS Number: 44-0308260
Telephone Number: (816) 753-7000
Page 1 of 4
Item 12 –
Results of Operations and Financial Condition.
Included
below is the Press Release promulgated on February 13, 2004 for Kansas City Life
Insurance Company. This Press Release reflects the financial condition as of
December 31, 2003.
For Immediate Release:
February 13, 2004
Contact:
Tracy W. Knapp
Phone:
(816) 753-7299, ext. 8216
Kansas City
Life Insurance Company
Fourth Quarter 2003 Earnings Release
Kansas
City Life Insurance Company recorded fourth quarter 2003 net income of $13.0
million or $1.09 per share, compared with $14.5 million or $1.21 per share for
the fourth quarter of 2002. The fourth quarter of 2003 was the strongest quarter
of the year, primarily due to improvements in realized investment gains and
losses.
Net
income for the year 2003 was $14.8 million or $1.24 per share, compared to $31.5
million or $2.63 per share for 2002. Net realized investment losses narrowed
during the first three quarters and a net realized investment gain of $6.8
million was recorded during the fourth quarter.
The
Company continues to experience premium growth primarily from the sale of
annuities and has expanded its distribution system as a result of the
acquisition of GuideOne Life Insurance Company, which was effective June 30,
2003.
This
report provides a summary of the Company's results for the fourth quarter
and year. A more comprehensive discussion and analysis will be forthcoming.
Attachment
February 13, 2004
Page 2 of 4
KANSAS CITY LIFE INSURANCE COMPANY
CONDENSED CONSOLIDATED INCOME STATEMENT
(in thousands, except per share data)
Quarter ended            Year ended
                                  December 31             December 31
2003
2002
2003
2002
Revenues                   $  126,608    119,155      445,630    438,135
                             =========  =========   ==========  =========

Net income                 $   12,988     14,494       14,793     31,549
                             =========  =========   ==========  =========

Net income per share,
    basic and diluted      $     1.09       1.21         1.24       2.63
                             =========  =========   ==========  =========

Dividends paid             $     0.27       0.27         1.08       1.08
                             =========  =========   ==========  =========
A quarterly dividend of $.27 per share will be paid February 23, 2004 to shareholders of record as of February 9,
2004.
Quarter ended            Year ended
                                              December 31             December 31
2003
2002
2003
2002
Average number of shares outstanding    11,925,542  11,992,890   11,944,291   11,997,733
Page 3 of 4
SIGNATURE
Pursuant
to the requirements of the Securities Exchange Act of 1934, the Registrant has
duly caused this report to be signed on its behalf by the undersigned thereunto
duly authorized.
KANSAS CITY LIFE INSURANCE COMPANY
(Registrant)

                                                     By:
/s/William A. Schalekamp
William A. Schalekamp
                                                           Senior Vice President,
                                                           General Counsel & Secretary
February 13, 2004
(Date)
Page 4 of 4