<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>




                                November 12, 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>


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                                   Page 1 of 7

</font></p>

<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 2.02
&#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 a release
of financial information mailed to stockholders on November 12, 2004. It
reflects the financial condition, in a condensed format, for Kansas City Life
Insurance Company as of September 30, 2004. </FONT></P>

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Message from
the President and CEO</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 an increase in third quarter net income of 49% to $11.5 million or
$0.97 per share relative to the third quarter of 2003. The Company posted net
income of $24.7 million or $2.07 per share for the nine months ended September
30, 2004, an improvement of $22.8 million from the prior year. The largest
factor contributing to the improved results was the favorable change in realized
investment gains and losses. In addition, increased investment income from
growth in invested assets enhanced the Company&#146;s year-to-date results. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company recognized
realized investment gains of $2.8 million for the quarter and $4.3 million for
the nine months, compared to realized investment losses of $5.1 million and
$36.1 million for the same periods in 2003. These results reflect the improved
economy and general progress in the performance of corporate credit markets,
along with consistent gains on the sale of real estate. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insurance premiums and
deposits on policyholder contracts declined for the third quarter and the first
nine months of 2004, compared to 2003. This decline was primarily due to lower
sales of annuities, which were at an elevated level during 2003 due to strong
customer preference for fixed-rate products. However, included in the 2004
results are significant year-to-date increases in premiums for traditional life
insurance and deposits on policyholder contracts for universal life and variable
universal life insurance. These results are due in large part to the addition of
GuideOne Life, which was acquired on June 30, 2003, along with the
Company&#146;s continuing emphasis on growth in the life protection product
lines. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company also
experienced favorable benefits and expenses, which declined by 12.3% for the
third quarter and 3.9% for the nine-month period. Contributing to these changes
are efficiencies being gained through the integration of operations from
GuideOne Life, along with reduced sales of annuities. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On October 25, 2004, the
Board of Directors declared a quarterly dividend of $0.27 per share, payable on
November 22, 2004 to stockholders of record on November 8, 2004. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Also on October 25, 2004,
the Company entered into a definitive agreement to sell its bank subsidiary,
Generations Bank, for $10.1 million with an expected gain on the sale of
approximately $1.9 million. The sale of the Bank will allow us to improve our
focus on our core business of providing life insurance. The sale is expected to
close during the first quarter of 2005, subject to the required approval by the
Office of Thrift Supervision. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While we are pleased with
the Company&#146;s improved quarterly results, we certainly believe that the
market and economic environment offer opportunities for continued improvements
over time. Our concerted effort to expand life insurance sales will continue to
yield benefits to our shareholders and policyowners, and we are committed to
pursuing this course. </FONT></P>

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                                   Page 2 of 7

</font></p>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><b>
Consolidated<BR>
Balance Sheet  (Unaudited)<BR></b>
(Thousands, except share data)</i>
</font></p>
<pre>

                                            September 30       December 31
                                               <u>2004</u>               <u>2003</u>

<b><i>Assets</i></b>
Investments:
    Fixed maturities available
      for sale, at fair value          $     2,985,176   $      2,814,485
    Equity securities available
      for sale, at fair value                   64,939             63,808
    Mortgage loans                             418,237            456,656
    Short-term investments                      12,433             71,823
    Other investments                  <u>        216,383 </u>  <u>         228,014 </u>
      Total investments                      3,697,168          3,634,786

Cash                                               371             20,029
Deferred acquisition costs                     234,449            241,057
Value of business acquired                     100,494            106,334
Other assets                                   249,181            245,015
Separate account assets                <u>        318,696 </u>  <u>         304,691 </u>

      Total assets                     <u>$     4,600,359 </u>  <u>$      4,551,912 </u>
                                       <u>                </u>  <u>                 </u>

<b><i>Liabilities</i></b>
Future policy benefits                 $       873,070   $        872,114
Policyholder account balances                2,282,197          2,239,223
Notes payable                                  110,865            133,670
Income taxes                                    43,272             36,918
Other liabilities                              307,100            320,858
Separate account liabilities           <u>        318,696 </u>  <u>         304,691 </u>
      Total liabilities                <u>      3,935,200 </u>  <u>       3,907,474 </u>

<b><i>Stockholders' equity</i></b>
    Common stock                                23,121             23,121
    Additional paid in capital                  23,990             23,310
    Retained earnings                          703,685            688,800
    Accumulated other
      comprehensive income                      28,720             23,418
    Less treasury stock                <u>       (114,357)</u>  <u>        (114,211)</u>
      Total stockholders' equity       <u>        665,159 </u>  <u>         644,438 </u>

      Total liabilities and equity     <u>$     4,600,359 </u>  <u>$      4,551,912 </u>
                                       <u>                </u>  <u>                 </u>
</pre>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i>
      See accompanying Notes to Consolidated Financial Statements.</i>
</font></p>

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                                   Page 3 of 7

</font></p>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><b>
Consolidated<BR>
Income Statement (Unaudited)</b><BR>
(Thousands, except share data)</i>
</font></p>
<pre>
                                                                   Quarter ended                Nine Months ended
                                                                    September 30                   September 30
                                                                <u>2004</u>            <u>2003</u>            <u>2004</u>           <u>2003</u>
<b><i>Revenues</i></b>
Insurance revenues:
    Premiums                                             $     49,209    $     57,960   $     143,579   $    159,590
    Contract charges                                           28,797          29,578          87,327         80,943
    Reinsurance ceded                                    <u>     (13,802)</u>   <u>     (14,784)</u>  <u>      (40,662)</u>  <u>     (36,194)</u>
      Total insurance revenues                                 64,204          72,754         190,244        204,339
Investment revenues:
    Net investment income                                      48,874          51,273         147,992        144,632
    Realized investment gains (losses)                          2,809          (5,129)          4,336        (36,132)
Other revenues                                           <u>       1,927 </u>   <u>       2,452 </u>  <u>        6,195 </u>  <u>       7,358 </u>
      Total revenues                                     <u>     117,814 </u>   <u>     121,350 </u>  <u>      348,767 </u>  <u>     320,197 </u>

<b><i>Benefits and expenses</i></b>
Policyholder benefits                                          44,052          57,349         140,279        159,103
Interest credited to policyholder account balances             25,856          24,629          73,203         66,767
Amortization of deferred acquisition costs
    and value of business acquired                             10,100           9,880          30,292         28,394
Operating expenses                                       <u>      22,818 </u>   <u>      25,327 </u>  <u>       72,428 </u>  <u>      74,799 </u>
      Total benefits and expenses                        <u>     102,826 </u>   <u>     117,185 </u>  <u>      316,202 </u>  <u>     329,063 </u>

Income (loss) before income tax expense (benefit)              14,988           4,165          32,565         (8,866)

Income tax expense (benefit)                             <u>       3,455 </u>   <u>      (3,563)</u>  <u>        7,915 </u>  <u>     (10,671)</u>

<b><i>Net income</i></b>                                               <u>$     11,533 </u>   <u>$      7,728 </u>  <u>$      24,650 </u>  <u>$      1,805 </u>
                                                         <u>             </u>   <u>             </u>  <u>              </u>  <u>             </u>

<b><i>Per common share:</i></b>
    Net income, basic and diluted                        $       0.97    $       0.65   $        2.07   $       0.15

    Cash dividends                                       $       0.27    $       0.27   $        0.81   $       0.81
</pre>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i>

       See accompanying Notes to Consolidated Financial Statements.</i>
</font></p>
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                                   Page 4 of 7

</font></p>
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i><b>
Consolidated<BR>
Statement of Cash Flows (Unaudited)</b><BR>
(Thousands, except share data)</i>
</font></p>
<pre>
                                               Nine Months ended
                                                 September 30
                                             <u>2004</u>             <u>2003</u>

<b><i>Operating activities</i></b>
     Net cash provided                  <u>$      27,169 </u>  <u>$      54,822 </u>

<b><i>Investing activities</i></b>
Purchases of investment securities:
     Fixed maturities                        (627,035)       (872,111)
     Equity securities                         (4,657)         (3,376)
Sales of investment securities:
     Fixed maturities                         120,880         131,734
     Equity securities                          3,051          11,952
Maturities and principal paydowns
     of investment securities:
     Fixed maturities                         338,844         553,068
     Equity securities                            265           5,780
Purchases of other investments                (50,516)       (121,960)
Sales, maturities and principal
     paydowns of other investments            103,120         128,745
Net sales of short-term
     investments                               59,390          35,904
Net additions to property and
     equipment                                 (1,345)           (690)
Insurance business acquired             <u>            - </u>  <u>      (52,264)</u>
     Net cash used                      <u>      (58,003)</u>  <u>     (183,218)</u>

<b><i>Financing activities</i></b>
Proceeds from borrowings                        3,960          16,267
Repayment of borrowings                       (26,765)           (587)
Deposits on policyholder contracts            205,720         256,304
Withdrawals from policyholder
     account balances                        (152,096)       (126,651)
Net transfers to separate accounts             (8,449)         (5,289)
Change in other deposits                       (1,963)          5,363
Cash dividends to stockholders                 (9,765)         (9,682)
Disposition (acquisition) of
     treasury stock, net                <u>          534 </u>  <u>       (2,787)</u>
     Net cash provided                  <u>       11,176 </u>  <u>      132,938 </u>

Increase (decrease) in cash                   (19,658)          4,542
Cash at beginning of year               <u>       20,029 </u>  <u>       14,645 </u>

     Cash at end of period              <u>$         371 </u>  <u>$      19,187 </u>
                                        <u>              </u>  <u>              </u>
</pre>
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2><i>
    See accompanying Notes to Consolidated Financial Statements.</i>
</font></p>

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


                                   Page 5 of 7

</font></p>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b><i>

         Notes
</i></b></font></p>

<ul>

<li><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Comprehensive income (loss) was $47,453 and $(7,986) for the third quarter of
2004 and 2003; and $29,952 and $52,658 for the nine months ended September 30,
2004 and 2003, respectively. This varies from net income due to unrealized gains
or losses on investments. </FONT></li>

<li><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Income per common share is based upon the weighted average number of shares
outstanding during the nine months, 11,928,520 shares (11,949,992 shares -
2003). </FONT></li>

<li><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
These financial statements are unaudited but, in management&#146;s opinion,
include all adjustments necessary for a fair presentation of the results. </FONT></li>

<li><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Certain amounts in prior years have been reclassified to conform with the
current year presentation. </FONT></li></ul>

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



                                                              Page 6 of 7
</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;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>November 12, 2004</u>
    (Date)
</pre>


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



                                                              Page 7 of 7
</font></p>

</body></html>
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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": "041139840"}, "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
November 12, 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 7
Item 2.02
– Results of Operations and Financial Condition.
Included below is a release
of financial information mailed to stockholders on November 12, 2004. It
reflects the financial condition, in a condensed format, for Kansas City Life
Insurance Company as of September 30, 2004.
Message from
the President and CEO
Kansas City Life Insurance Company
recorded an increase in third quarter net income of 49% to $11.5 million or
$0.97 per share relative to the third quarter of 2003. The Company posted net
income of $24.7 million or $2.07 per share for the nine months ended September
30, 2004, an improvement of $22.8 million from the prior year. The largest
factor contributing to the improved results was the favorable change in realized
investment gains and losses. In addition, increased investment income from
growth in invested assets enhanced the Company's year-to-date results.
The Company recognized
realized investment gains of $2.8 million for the quarter and $4.3 million for
the nine months, compared to realized investment losses of $5.1 million and
$36.1 million for the same periods in 2003. These results reflect the improved
economy and general progress in the performance of corporate credit markets,
along with consistent gains on the sale of real estate.
Insurance premiums and
deposits on policyholder contracts declined for the third quarter and the first
nine months of 2004, compared to 2003. This decline was primarily due to lower
sales of annuities, which were at an elevated level during 2003 due to strong
customer preference for fixed-rate products. However, included in the 2004
results are significant year-to-date increases in premiums for traditional life
insurance and deposits on policyholder contracts for universal life and variable
universal life insurance. These results are due in large part to the addition of
GuideOne Life, which was acquired on June 30, 2003, along with the
Company's continuing emphasis on growth in the life protection product
lines.
The Company also
experienced favorable benefits and expenses, which declined by 12.3% for the
third quarter and 3.9% for the nine-month period. Contributing to these changes
are efficiencies being gained through the integration of operations from
GuideOne Life, along with reduced sales of annuities.
On October 25, 2004, the
Board of Directors declared a quarterly dividend of $0.27 per share, payable on
November 22, 2004 to stockholders of record on November 8, 2004.
Also on October 25, 2004,
the Company entered into a definitive agreement to sell its bank subsidiary,
Generations Bank, for $10.1 million with an expected gain on the sale of
approximately $1.9 million. The sale of the Bank will allow us to improve our
focus on our core business of providing life insurance. The sale is expected to
close during the first quarter of 2005, subject to the required approval by the
Office of Thrift Supervision.
While we are pleased with
the Company's improved quarterly results, we certainly believe that the
market and economic environment offer opportunities for continued improvements
over time. Our concerted effort to expand life insurance sales will continue to
yield benefits to our shareholders and policyowners, and we are committed to
pursuing this course.
Page 2 of 7
Consolidated
Balance Sheet  (Unaudited)
(Thousands, except share data)
September 30       December 31
2004
2003
Assets
Investments:
    Fixed maturities available
      for sale, at fair value          $     2,985,176   $      2,814,485
    Equity securities available
      for sale, at fair value                   64,939             63,808
    Mortgage loans                             418,237            456,656
    Short-term investments                      12,433             71,823
    Other investments
216,383
228,014
Total investments                      3,697,168          3,634,786

Cash                                               371             20,029
Deferred acquisition costs                     234,449            241,057
Value of business acquired                     100,494            106,334
Other assets                                   249,181            245,015
Separate account assets
318,696
304,691
Total assets
$     4,600,359
$      4,551,912
Liabilities
Future policy benefits                 $       873,070   $        872,114
Policyholder account balances                2,282,197          2,239,223
Notes payable                                  110,865            133,670
Income taxes                                    43,272             36,918
Other liabilities                              307,100            320,858
Separate account liabilities
318,696
304,691
Total liabilities
3,935,200
3,907,474
Stockholders' equity
Common stock                                23,121             23,121
    Additional paid in capital                  23,990             23,310
    Retained earnings                          703,685            688,800
    Accumulated other
      comprehensive income                      28,720             23,418
    Less treasury stock
(114,357)
(114,211)
Total stockholders' equity
665,159
644,438
Total liabilities and equity
$     4,600,359
$      4,551,912
See accompanying Notes to Consolidated Financial Statements.
Page 3 of 7
Consolidated
Income Statement (Unaudited)
(Thousands, except share data)
Quarter ended                Nine Months ended
                                                                    September 30                   September 30
2004
2003
2004
2003
Revenues
Insurance revenues:
    Premiums                                             $     49,209    $     57,960   $     143,579   $    159,590
    Contract charges                                           28,797          29,578          87,327         80,943
    Reinsurance ceded
(13,802)
(14,784)
(40,662)
(36,194)
Total insurance revenues                                 64,204          72,754         190,244        204,339
Investment revenues:
    Net investment income                                      48,874          51,273         147,992        144,632
    Realized investment gains (losses)                          2,809          (5,129)          4,336        (36,132)
Other revenues
1,927
2,452
6,195
7,358
Total revenues
117,814
121,350
348,767
320,197
Benefits and expenses
Policyholder benefits                                          44,052          57,349         140,279        159,103
Interest credited to policyholder account balances             25,856          24,629          73,203         66,767
Amortization of deferred acquisition costs
    and value of business acquired                             10,100           9,880          30,292         28,394
Operating expenses
22,818
25,327
72,428
74,799
Total benefits and expenses
102,826
117,185
316,202
329,063
Income (loss) before income tax expense (benefit)              14,988           4,165          32,565         (8,866)

Income tax expense (benefit)
3,455
(3,563)
7,915
(10,671)
Net income
$     11,533
$      7,728
$      24,650
$      1,805
Per common share:
Net income, basic and diluted                        $       0.97    $       0.65   $        2.07   $       0.15

    Cash dividends                                       $       0.27    $       0.27   $        0.81   $       0.81
See accompanying Notes to Consolidated Financial Statements.
Page 4 of 7
Consolidated
Statement of Cash Flows (Unaudited)
(Thousands, except share data)
Nine Months ended
                                                 September 30
2004
2003
Operating activities
Net cash provided
$      27,169
$      54,822
Investing activities
Purchases of investment securities:
     Fixed maturities                        (627,035)       (872,111)
     Equity securities                         (4,657)         (3,376)
Sales of investment securities:
     Fixed maturities                         120,880         131,734
     Equity securities                          3,051          11,952
Maturities and principal paydowns
     of investment securities:
     Fixed maturities                         338,844         553,068
     Equity securities                            265           5,780
Purchases of other investments                (50,516)       (121,960)
Sales, maturities and principal
     paydowns of other investments            103,120         128,745
Net sales of short-term
     investments                               59,390          35,904
Net additions to property and
     equipment                                 (1,345)           (690)
Insurance business acquired
-
(52,264)
Net cash used
(58,003)
(183,218)
Financing activities
Proceeds from borrowings                        3,960          16,267
Repayment of borrowings                       (26,765)           (587)
Deposits on policyholder contracts            205,720         256,304
Withdrawals from policyholder
     account balances                        (152,096)       (126,651)
Net transfers to separate accounts             (8,449)         (5,289)
Change in other deposits                       (1,963)          5,363
Cash dividends to stockholders                 (9,765)         (9,682)
Disposition (acquisition) of
     treasury stock, net
534
(2,787)
Net cash provided
11,176
132,938
Increase (decrease) in cash                   (19,658)          4,542
Cash at beginning of year
20,029
14,645
Cash at end of period
$         371
$      19,187
See accompanying Notes to Consolidated Financial Statements.
Page 5 of 7
Notes
Comprehensive income (loss) was $47,453 and $(7,986) for the third quarter of
2004 and 2003; and $29,952 and $52,658 for the nine months ended September 30,
2004 and 2003, respectively. This varies from net income due to unrealized gains
or losses on investments.
Income per common share is based upon the weighted average number of shares
outstanding during the nine months, 11,928,520 shares (11,949,992 shares -
2003).
These financial statements are unaudited but, in management's opinion,
include all adjustments necessary for a fair presentation of the results.
Certain amounts in prior years have been reclassified to conform with the
current year presentation.
Page 6 of 7
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
November 12, 2004
(Date)
Page 7 of 7