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<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>




                                November 13, 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>

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                                   Page 1 of 3

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<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;After
further analysis of the financial position of GuideOne Life Insurance Company, Kansas
City Life Insurance Company has determined that under Regulation S-X, Section 210.3.05 Kansas
City Life Insurance Company is not required to file financial statements
of GuideOne Life Insurance Company as none of the conditions
exceed the 20 percent significance threshold. </FONT></P>

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Page 2 of 3
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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>



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                                                     <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 13, 2003</u>
    (Date)
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Page 3 of 3
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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": "03998239"}, "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
November 13, 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 7 –
Financial Statements, Pro Forma Financial Information and Exhibits.
After
further analysis of the financial position of GuideOne Life Insurance Company, Kansas
City Life Insurance Company has determined that under Regulation S-X, Section 210.3.05 Kansas
City Life Insurance Company is not required to file financial statements
of GuideOne Life Insurance Company as none of the conditions
exceed the 20 percent significance threshold.
Page 2 of 3
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 13, 2003
(Date)
Page 3 of 3