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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>




                                December 29, 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 5

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<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 2.01 Completion of Acquisition or Disposition of Assets.</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 has reached agreement to sell its 50 percent stake in real estate near
the Paradise Village Mall in Phoenix, Arizona for $54 million.  The Company has agreed to sell its interests in two separate transactions.
Most of the property interests are being sold to The Macerich Company,
which controls the other 50 percent interest in the properties.  The sales are expected to close by December 31, 2004 and result in a
pretax realized investment gain of approximately $40 million.</FONT></P>
<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Item 9.01 - 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 December 29, 2004. </FONT></P>

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                                   Page 2 of 5

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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;&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>December 29, 2004</u>
        (Date)
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                                   Page 3 of 5

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<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>December 29, 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 announces sale of real estate for $54 million</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 has reached agreement to sell its 50 percent stake in real estate near
the Paradise Village Mall in Phoenix, Arizona for $54 million.  The Company has agreed to sell its interests in two separate transactions.
Most of the property interests are being sold to The Macerich Company,
which controls the other 50 percent interest in the properties.  The sales are expected to close by December 31, 2004 and result in a
pretax realized investment gain of approximately $40 million.</font></p>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
         Kansas City Life acquired its interest in the Paradise Village properties more than 20 years ago and has seen the property
develop into one of the most prominent retail properties in the Phoenix market.  The property has been a tremendous investment over
the years, primarily due to excellent local property management and a burgeoning retail market in Phoenix, according to R. Philip
Bixby, President and Chief Executive Officer of Kansas City Life.  "Although the Paradise Village investment has performed better
than we could have anticipated more than 20 years ago, the property is now fully developed and values have never been higher.  We
believe it makes sense for us to pursue reinvestment in other assets," Bixby said.  Real estate accounted for approximately 3 percent
of Kansas City Life's total investments at December 31, 2003, and the Company actively pursues development and acquisition of real
estate.</font></p>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
         The sale is expected to contribute  approximately  $26 million to after tax net income during the fourth quarter.  The Company
has earned $25  million  in net  income  through  the first  nine  months of 2004.  Based upon the number of shares  outstanding  as of
September 30, 2004, the sale is expected to add approximately $2.20 per share to net income and book value.
</font></p>



<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><b>
About Kansas City Life:</b></i><BR>
&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 primary sales emphasis is life insurance and annuities. Total revenues were $446 million in 2003. Life insurance in
force and assets totaled $32 billion and $4.6 billion at the end of the year 2003, respectively. The Company operates in 48 states
and the District of Columbia. For more information, please visit www.kclife.com.</font></p>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<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>
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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
December 29, 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 2.01 Completion of Acquisition or Disposition of Assets.
Kansas City Life Insurance Company has reached agreement to sell its 50 percent stake in real estate near
the Paradise Village Mall in Phoenix, Arizona for $54 million.  The Company has agreed to sell its interests in two separate transactions.
Most of the property interests are being sold to The Macerich Company,
which controls the other 50 percent interest in the properties.  The sales are expected to close by December 31, 2004 and result in a
pretax realized investment gain of approximately $40 million.
Item 9.01 - Financial Statements and Exhibits.
(c)  Press Release of Kansas City Life Insurance Company dated as of December 29, 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
December 29, 2004
(Date)
Page 3 of 5
Exhibit (c) to Form 8-K
FOR IMMEDIATE RELEASE
FOR MORE INFORMATION, Contact:
December 29, 2004
Tracy W. Knapp, Sr. Vice President,Finance
(816) 753-7000
Kansas City Life announces sale of real estate for $54 million
KANSAS CITY, Mo. - Kansas City Life Insurance Company has reached agreement to sell its 50 percent stake in real estate near
the Paradise Village Mall in Phoenix, Arizona for $54 million.  The Company has agreed to sell its interests in two separate transactions.
Most of the property interests are being sold to The Macerich Company,
which controls the other 50 percent interest in the properties.  The sales are expected to close by December 31, 2004 and result in a
pretax realized investment gain of approximately $40 million.
Kansas City Life acquired its interest in the Paradise Village properties more than 20 years ago and has seen the property
develop into one of the most prominent retail properties in the Phoenix market.  The property has been a tremendous investment over
the years, primarily due to excellent local property management and a burgeoning retail market in Phoenix, according to R. Philip
Bixby, President and Chief Executive Officer of Kansas City Life.  "Although the Paradise Village investment has performed better
than we could have anticipated more than 20 years ago, the property is now fully developed and values have never been higher.  We
believe it makes sense for us to pursue reinvestment in other assets," Bixby said.  Real estate accounted for approximately 3 percent
of Kansas City Life's total investments at December 31, 2003, and the Company actively pursues development and acquisition of real
estate.
The sale is expected to contribute  approximately  $26 million to after tax net income during the fourth quarter.  The Company
has earned $25  million  in net  income  through  the first  nine  months of 2004.  Based upon the number of shares  outstanding  as of
September 30, 2004, the sale is expected to add approximately $2.20 per share to net income and book value.
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 primary sales emphasis is life insurance and annuities. Total revenues were $446 million in 2003. Life insurance in
force and assets totaled $32 billion and $4.6 billion at the end of the year 2003, respectively. The Company operates in 48 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.
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