<HTML><HEAD><TITLE></title></head><body>


<H2 ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                       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>




                                March 31, 2003<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>

</font></h2>


<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>


                                   Page 1 of 3

</font></p>

<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 5 &#150;
Other Events</FONT></H2>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
March 31, 2003, Kansas City Life Insurance Company announced that it and
GuideOne Financial Group, Inc. and GuideOne Mutual Insurance Company had signed
a definitive Stock Purchase Agreement under which Kansas City Life Insurance
Company will buy all of GuideOne Life Insurance Company&#146;s issued and
outstanding shares of common stock for approximately $78 million dollars in cash. Those
funds will be derived from the sale of short-term investments that have been
accumulated for acquisition purposes. The sale is subject to, among other
things, the approval of the Iowa and Missouri Insurance Departments. Closing is
expected in the second quarter of 2003.<BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Kansas
City Life Insurance Co., founded in 1895, is a Missouri corporation with its
Home Office in Kansas City, Mo. The Company&#146;s major sales emphasis is life
insurance and annuities. Total revenues in 2002 were $440.2 million. Life
insurance in force, at the end of the year 2002, totaled $26.6 billion, while
assets totaled $3.9 billion. The Company operates in 48 states and the District
of Columbia.<BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GuideOne
Life Insurance Company, an Iowa corporation, is a stock life insurer owned
directly by The GuideOne Financial Group, Inc., a holding company owned by
GuideOne Mutual Insurance Co. and GuideOne Specialty Mutual Insurance Co.
GuideOne Life Insurance Company operations are conducted on a branch office
basis and through captive and independent multiple-line agents associated with
the parent company in West Des Moines, Iowa. GuideOne Life Insurance Company is
licensed in 40 states selling life insurance and annuities.<BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
2002 GuideOne Life Insurance Company&#146;s total direct premiums and annuity
considerations totaled $58.4 million. Net income was $7.5 million in 2002 and
total net admitted assets as of December 31, 2002 were $347.7 million, both numbers based on Statutory Accounting
Principles since Generally Accepted Accounting Principle numbers are unavailable. </FONT></P>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Page 2 of 3
</font></p>
<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 7 &#150;
Financial Statements, Pro Forma Financial Information and Exhibits.</FONT></H2>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
         (c)&nbsp;&nbsp;(1)&nbsp;&nbsp;   Press Release of Kansas City Life Insurance Company dated as of March 31, 2003.
</font></p>
<H2 ALIGN=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                                                             SIGNATURE
</font></h2>
<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>March 31, 2003</u>
    (Date)
</pre>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Page 3 of 3
</font></p>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>
Exhibit (c)(1) to Form 8-K
</b></font></p>
<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD WIDTH=45%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FOR IMMEDIATE RELEASE</font></TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FOR MORE INFORMATION, Contact:</font></td></tr>

<TR VALIGN=TOP>
<TD WIDTH=45%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>March 31, 2003 </font></TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2> William A. Schalekamp, Sr. Vice President,</font></td></tr>

<TR VALIGN=TOP>
<TD WIDTH=45%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2> General Counsel and Secretary,</font></td></tr>

<TR VALIGN=TOP>
<TD WIDTH=45%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(816) 753-7000</font></td></tr>
</table>



<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Kansas City
Life and GuideOne Group of Companies sign<BR>

stock
purchase agreement for GuideOne Life Insurance Co.</FONT></H1>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KANSAS
CITY, Mo. &#150; Kansas City Life Insurance Company and The GuideOne Group of
Companies, based in West Des Moines, Iowa, have signed a definitive agreement
under which Kansas City Life will buy all of GuideOne Life Insurance
Company&#146;s issued and outstanding shares of stock for approximately $78
million. <BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
acquisition of GuideOne Life will represent an increase of approximately 10% in
assets and policyholders for Kansas City Life, according to R. Philip Bixby,
President and Chief Executive Officer. The agreement also creates a marketing
partnership that provides for sales of Kansas City Life products through
GuideOne&#146;s property/casualty agents.<BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;Kansas
City Life&#146;s consistently strong capital position permits us to look for
opportunities for growth, even in difficult economic times,&#148; Bixby said.
&#147;By acquiring GuideOne Life, we gain not only an increase in our customer
base but a marketing opportunity as well.&#148; <BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
purchase price is payable in cash at closing. The transaction is subject to,
among other things, approval by the Iowa and Missouri Insurance Departments. The
sale is expected to close in the second quarter of 2003. </FONT></P>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b><i>
About Kansas City Life:
</i></b></font></p>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Kansas
City Life Insurance Co., founded in 1895, is a Missouri corporation with its
Home Office in Kansas City, Mo. The Company&#146;s major sales emphasis is life
insurance and annuities. Total revenues in 2002 were $440.2 million. Life
insurance in force, at the end of the year 2002, totaled $26.6 billion, while
assets totaled $3.9 billion. The Company operates in 48 states and the District
of Columbia. For more information, please visit <B>www.kclife.com</B>. </FONT></P>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b><i>
About GuideOne Life:
</i></b></font></p>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GuideOne
Life, an Iowa corporation, is a stock life insurer owned directly by The
GuideOne Financial Group, Inc., a holding company owned by GuideOne Mutual
Insurance Co. and GuideOne Specialty Mutual Insurance Co. GuideOne Life
operations are conducted on a branch office basis and through captive and
independent multiple-line agents associated with the parent company in West Des
Moines, Iowa. GuideOne Life is licensed in 40 states with the vast majority of
life premium volume generated by approximately 280 exclusive GuideOne insurance
agents.<BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GuideOne
Life is a historically profitable company, reporting net operating gains in each
of the last five years. In 2002 GuideOne Life&#146;s total direct premiums and
annuity considerations totaled $58.4 million, respectively. Net income was $7.5
million in 2002 and total net admitted assets as of December 31, 2002, were $347.7
million, both numbers based on Statutory Accounting Principles since Generally
Accepted Accounting Principle numbers are unavailable. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=1><I>Any forward-looking
statements contained in this release, which reflect management&#146;s best
judgment based on factors currently known, involve risks and uncertainties.
Actual results could differ materially from those anticipated in the
forward-looking statements included herein as a result of a number of factors,
including among others the possibility of unforeseen changes in the political,
economic or regulatory environment, demographic changes and others.</I> </FONT></P>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i>
                                                               # # # # #

</i></font></p>

</body></html>
[{"type": "8-K", "sequence": "1", "filename": "form8-k2003.htm", "secsgml_size_bytes": 10522}]
{"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": "03631058"}, "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"}}
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
March 31, 2003
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 3
Item 5 –
Other Events
On
March 31, 2003, Kansas City Life Insurance Company announced that it and
GuideOne Financial Group, Inc. and GuideOne Mutual Insurance Company had signed
a definitive Stock Purchase Agreement under which Kansas City Life Insurance
Company will buy all of GuideOne Life Insurance Company's issued and
outstanding shares of common stock for approximately $78 million dollars in cash. Those
funds will be derived from the sale of short-term investments that have been
accumulated for acquisition purposes. The sale is subject to, among other
things, the approval of the Iowa and Missouri Insurance Departments. Closing is
expected in the second quarter of 2003.
Kansas
City Life Insurance Co., founded in 1895, is a Missouri corporation with its
Home Office in Kansas City, Mo. The Company's major sales emphasis is life
insurance and annuities. Total revenues in 2002 were $440.2 million. Life
insurance in force, at the end of the year 2002, totaled $26.6 billion, while
assets totaled $3.9 billion. The Company operates in 48 states and the District
of Columbia.
GuideOne
Life Insurance Company, an Iowa corporation, is a stock life insurer owned
directly by The GuideOne Financial Group, Inc., a holding company owned by
GuideOne Mutual Insurance Co. and GuideOne Specialty Mutual Insurance Co.
GuideOne Life Insurance Company operations are conducted on a branch office
basis and through captive and independent multiple-line agents associated with
the parent company in West Des Moines, Iowa. GuideOne Life Insurance Company is
licensed in 40 states selling life insurance and annuities.
In
2002 GuideOne Life Insurance Company's total direct premiums and annuity
considerations totaled $58.4 million. Net income was $7.5 million in 2002 and
total net admitted assets as of December 31, 2002 were $347.7 million, both numbers based on Statutory Accounting
Principles since Generally Accepted Accounting Principle numbers are unavailable.
Page 2 of 3
Item 7 –
Financial Statements, Pro Forma Financial Information and Exhibits.
(c)  (1)     Press Release of Kansas City Life Insurance Company dated as of March 31, 2003.
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
March 31, 2003
(Date)
Page 3 of 3
Exhibit (c)(1) to Form 8-K
FOR IMMEDIATE RELEASE
FOR MORE INFORMATION, Contact:
March 31, 2003
William A. Schalekamp, Sr. Vice President,
General Counsel and Secretary,
(816) 753-7000
Kansas City
Life and GuideOne Group of Companies sign
stock
purchase agreement for GuideOne Life Insurance Co.
KANSAS
CITY, Mo. – Kansas City Life Insurance Company and The GuideOne Group of
Companies, based in West Des Moines, Iowa, have signed a definitive agreement
under which Kansas City Life will buy all of GuideOne Life Insurance
Company's issued and outstanding shares of stock for approximately $78
million.
The
acquisition of GuideOne Life will represent an increase of approximately 10% in
assets and policyholders for Kansas City Life, according to R. Philip Bixby,
President and Chief Executive Officer. The agreement also creates a marketing
partnership that provides for sales of Kansas City Life products through
GuideOne's property/casualty agents.
"Kansas
City Life's consistently strong capital position permits us to look for
opportunities for growth, even in difficult economic times," Bixby said.
"By acquiring GuideOne Life, we gain not only an increase in our customer
base but a marketing opportunity as well."
The
purchase price is payable in cash at closing. The transaction is subject to,
among other things, approval by the Iowa and Missouri Insurance Departments. The
sale is expected to close in the second quarter of 2003.
About Kansas City Life:
Kansas
City Life Insurance Co., founded in 1895, is a Missouri corporation with its
Home Office in Kansas City, Mo. The Company's major sales emphasis is life
insurance and annuities. Total revenues in 2002 were $440.2 million. Life
insurance in force, at the end of the year 2002, totaled $26.6 billion, while
assets totaled $3.9 billion. The Company operates in 48 states and the District
of Columbia. For more information, please visit
www.kclife.com
.
About GuideOne Life:
GuideOne
Life, an Iowa corporation, is a stock life insurer owned directly by The
GuideOne Financial Group, Inc., a holding company owned by GuideOne Mutual
Insurance Co. and GuideOne Specialty Mutual Insurance Co. GuideOne Life
operations are conducted on a branch office basis and through captive and
independent multiple-line agents associated with the parent company in West Des
Moines, Iowa. GuideOne Life is licensed in 40 states with the vast majority of
life premium volume generated by approximately 280 exclusive GuideOne insurance
agents.
GuideOne
Life is a historically profitable company, reporting net operating gains in each
of the last five years. In 2002 GuideOne Life's total direct premiums and
annuity considerations totaled $58.4 million, respectively. Net income was $7.5
million in 2002 and total net admitted assets as of December 31, 2002, were $347.7
million, both numbers based on Statutory Accounting Principles since Generally
Accepted Accounting Principle numbers are unavailable.
Any forward-looking
statements contained in this release, which reflect management's best
judgment based on factors currently known, involve risks and uncertainties.
Actual results could differ materially from those anticipated in the
forward-looking statements included herein as a result of a number of factors,
including among others the possibility of unforeseen changes in the political,
economic or regulatory environment, demographic changes and others.
# # # # #