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

<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>




                                October 26, 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>

</font></h2>


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


                                   Page 1 of 5

</font></p>


<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 1.01 - Entry into a Material Definitive Agreement.</FONT></H2>

<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Kansas City Life Insurance Company and a consortium of local
investors organized as Generations Bancorp, on October 25, 2004, signed a definitive agreement
under which Generations Bancorp will buy all of the issued and outstanding
shares of Generations Bank stock for approximately $10.1 million in cash. The
transaction is subject to regulatory approval by the Office of Thrift
Supervision and is expected to close in early 2005.
</font></p>
<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 9.01 &#150;
Financial Statements and Exhibits.</FONT></H2>

<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
         (c)  Press Release of Kansas City Life Insurance Company dated as of October 26, 2004.
</font></p>

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


                                   Page 2 of 5

</font></p>



<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;&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>October 26, 2004</u>
      (Date)
</pre>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>


                                   Page 3 of 5

</font></p>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>
Exhibit (c) 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>October 26, 2004</font></TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Tracy W. Knapp, Sr. Vice President,Finance</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 signs stock purchase agreement<BR>

to sell
Generations Bank</FONT></H1>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KANSAS CITY, Mo. - Kansas City Life Insurance Company and a consortium of local investors organized as
Generations Bancorp, on October 25, 2004, signed a definitive agreement under which Generations Bancorp will buy
all of the issued and outstanding shares of Generations Bank stock for approximately $10.1 million in cash. The
transaction is subject to regulatory approval by the Office of Thrift Supervision and is expected to close in
early 2005. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;         The sale of Generations Bank represents less than two percent of Kansas City Life's   $4.6 billion in
total assets as of June 30, 2004, according to R. Philip Bixby, President and Chief Executive Officer of Kansas
City Life and Chairman of Generations Bank. The sale also represents an exit from the banking business by Kansas
City Life, which opened the federal savings bank in July 2000. "The sale of Generations Bank will allow Kansas
City Life to focus on our core business of insurance. Although we have seen how banking services complement our
life insurance and investment products*, our efforts are best oriented to helping clients and agents in our
traditional markets," Bixby said.
 </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Generations Bancorp is a savings and loan holding company in organization. The principals of Generations Bancorp
intend to continue to operate Generations Bank as a retail institution, add new locations in the Kansas City
metropolitan area over time and combine the bank's mortgage lending operations with a mortgage company that is
currently owned by the group.  The transaction was initiated and the investors arranged by Index Capital LLC, a
Leawood, Kansas based investment banking firm.</FONT></P>

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


                                   Page 4 of 5

</font></p>
<H1><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i>
About Kansas City Life:</i></font></h1>
<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 national headquarters in
Kansas City, Mo. The company's major sales emphasis is life insurance and annuities. Total revenues in 2003 were
$446 million. Life insurance in force, at the end of the year 2003, totaled $32 billion, while assets totaled
$4.6 billion. The company operates in 49 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><I>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.
</I> </FONT></P>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>
*Securities and Investment Advisory Services are offered through Sunset Financial Services, Inc., 3520 Broadway,
Kansas City, MO 64111, (816) 753-7000 (OSJ), Member NASD/SIPC. Sunset Financial Services is a wholly owned
subsidiary of Kansas City Life Insurance Company.
</I> </FONT></P>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                                                               # # # # #
</font></p>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>


                                   Page 5 of 5

</font></p>
</body></html>
[{"type": "8-K", "sequence": "1", "filename": "kcl8k10262004.htm", "secsgml_size_bytes": 8444}]
{"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": "041097461"}, "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
October 26, 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 5
Item 1.01 - Entry into a Material Definitive Agreement.
Kansas City Life Insurance Company and a consortium of local
investors organized as Generations Bancorp, on October 25, 2004, signed a definitive agreement
under which Generations Bancorp will buy all of the issued and outstanding
shares of Generations Bank stock for approximately $10.1 million in cash. The
transaction is subject to regulatory approval by the Office of Thrift
Supervision and is expected to close in early 2005.
Item 9.01 –
Financial Statements and Exhibits.
(c)  Press Release of Kansas City Life Insurance Company dated as of October 26, 2004.
Page 2 of 5
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
October 26, 2004
(Date)
Page 3 of 5
Exhibit (c) to Form 8-K
FOR IMMEDIATE RELEASE
FOR MORE INFORMATION, Contact:
October 26, 2004
Tracy W. Knapp, Sr. Vice President,Finance
(816) 753-7000
Kansas City
Life signs stock purchase agreement
to sell
Generations Bank
KANSAS CITY, Mo. - Kansas City Life Insurance Company and a consortium of local investors organized as
Generations Bancorp, on October 25, 2004, signed a definitive agreement under which Generations Bancorp will buy
all of the issued and outstanding shares of Generations Bank stock for approximately $10.1 million in cash. The
transaction is subject to regulatory approval by the Office of Thrift Supervision and is expected to close in
early 2005.
The sale of Generations Bank represents less than two percent of Kansas City Life's   $4.6 billion in
total assets as of June 30, 2004, according to R. Philip Bixby, President and Chief Executive Officer of Kansas
City Life and Chairman of Generations Bank. The sale also represents an exit from the banking business by Kansas
City Life, which opened the federal savings bank in July 2000. "The sale of Generations Bank will allow Kansas
City Life to focus on our core business of insurance. Although we have seen how banking services complement our
life insurance and investment products*, our efforts are best oriented to helping clients and agents in our
traditional markets," Bixby said.
Generations Bancorp is a savings and loan holding company in organization. The principals of Generations Bancorp
intend to continue to operate Generations Bank as a retail institution, add new locations in the Kansas City
metropolitan area over time and combine the bank's mortgage lending operations with a mortgage company that is
currently owned by the group.  The transaction was initiated and the investors arranged by Index Capital LLC, a
Leawood, Kansas based investment banking firm.
Page 4 of 5
About Kansas City Life:
Kansas City Life Insurance Co., founded in 1895, is a Missouri corporation with national headquarters in
Kansas City, Mo. The company's major sales emphasis is life insurance and annuities. Total revenues in 2003 were
$446 million. Life insurance in force, at the end of the year 2003, totaled $32 billion, while assets totaled
$4.6 billion. The company operates in 49 states and the District of Columbia. For more information, please visit
www.kclife.com.
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.
*Securities and Investment Advisory Services are offered through Sunset Financial Services, Inc., 3520 Broadway,
Kansas City, MO 64111, (816) 753-7000 (OSJ), Member NASD/SIPC. Sunset Financial Services is a wholly owned
subsidiary of Kansas City Life Insurance Company.
# # # # #
Page 5 of 5