Matching the Right Product Need to the
Kansas City Life Insurance Company offers a variety of products to meet your clients needs. This guide helps determine which products to use in specific situations. For more details about the products shown, refer to the Product Guide on the Kansas City Life Illustration System or any of the following product guides: WHOLE LIFE FIXED UNIVERSAL LIFE INDEXED UNIVERSAL LIFE Whole Life Agent Sales Guide (Form 6751) Fixed Universal Life Agent Sales Guide (Form 6753) Indexed Universal Life Agent Sales Guide (Form 11561) TERM LIFE INDEXED UNIVERSAL LIFE CASHBACK LIFE FIXED ANNUITY Term Life Agent Sales Guide (Form 6755) Cashback Life Agent Sales Guide (Form 6748) Fixed Annuity Agent Sales Guide (Form 6469) FIXED PRODUCT RIDERS Variable Annuity Products Accumulator Variable Universal Life Variable Product Series Building your future with a secure partner Variable Product Series Building your future with a secure partner Kansas City Life Insurance Company For Broker-Dealer Use Only. Not for Use with Members of the Public. For Broker-Dealer Use Only. Not for Use with Members of the Public. Fixed Product Riders Agent Sales Guide (Form 6749) Century II Variable Annuity Products (Form 5587) 1 Century II Accumulator Variable Universal Life (Form 5586) 1 1 Kansas City Life s Century II Variable Product Series is distributed by Sunset Financial Services Inc., a wholly owned subsidiary of Kansas City Life Insurance Company. 1
Kansas City Life insurance Company UNIVERSAL LIFE (UL) SuperNOVA (Client Brochure: Form 1632; Agent Fact Sheet: Form 1633) supernova universal Life securing a brighter tomorrow Ultra competitive long-term cash value. High income potential through loans and withdrawals. High payout for retirement income. Great policy issue limits with juvenile issue ages, banding at $1 million and specified amount down to $25,000. Use with business client to protect against loss of key employee using the Option C death benefit, which is the specified amount plus premiums paid. Two death benefit tests GPT and CVAT offered at issue. Multiple policy riders including the Enhanced Living Benefit (ELB)* and the Income Assured Option (IAO). Markets: Family, Pre-retirement, Small Business Life Protector (Client Brochure: Forms 2061, 2061-MA; Agent Fact Sheet: Form 2062) Life Protector Universal Life Security for life Coverage to age 120 through premium funding to age 100. Guaranteed premiums with flexibility on length of guaranteed period. Affordable lapse protection with strong secondary guarantees built in. Seven-year surrender charge period. Multiple policy riders including the Enhanced Living Benefit (ELB)* and the Income Assured Option (IAO). Markets: Family, Pre-retirement, Small Business FlexWealth Advantage (Client Brochure: Form 2047; Agent Fact Sheet: Form 2048) FlexWealth Advantage Universal Life Protection with flexibility Excellent long-term cash values at an affordable price. Highest interest crediting rate in the Kansas City Life UL portfolio. Excellent guaranteed preferred loan options that are available in third year with a net cost of 1 percent. Two death benefit tests GPT and CVAT offered at issue. FlexCash option makes it easy for client to get money out. High agent compensation and generous asset trail with benefits and contests based on full 50 percent in first year. Multiple policy riders including the Enhanced Living Benefit (ELB)* and the Income Assured Option (IAO). Enhanced illustration support for partial surrender and loan handling. Markets: Family, Pre-retirement, Small Business *Not available in all states. 2
INDEXED UNIVERSAL LIFE (IUL) EquiFlex Indexed Universal Life Flex some financial muscle to reach your goals EquiFlex Indexed Universal Life Flex some financial muscle to reach your goals EquiFlex IUL (Client Brochure: Forms 11558, 11957, 11993; Agent Fact Sheets: Forms 11559, 11986) Streamlined design with one crediting method, one index and two indexed account options. Competitive expenses, COIs and surrender charges. Multiple policy loan options to help create a tax-advantaged supplemental retirement income stream. Multiple policy riders including the Enhanced Living Benefit (ELB)* and the Income Assured Option (IAO). Twenty-four month target premium. Markets: Family, Pre-Retirement, Small Business *Not available in all states. Available in Indiana and Pennsylvania Compass Elite Indexed Universal Life Navigate a strong path for a rewarding financial future Compass Elite IUL (Client Brochure: Form 12104; Agent Fact Sheet: Form 12105) Streamlined design with one crediting method, one index and three indexed account options. Great policy issue limits with juvenile issue ages, banding at $500,000 and specified amount down to $50,000. Competitive expenses, COIs and commissions. Multiple policy loan options to help create a tax-advantaged supplemental retirement income stream. Indexed Account C is an Annual Point-to-Point with Cap with a higher minimum cap and an Indexed Account Charge. The guaranteed maximum Indexed Account Charge can never be more than 1 percent. Multiple policy riders including the Enhanced Living Benefit (ELB)*, the Monthly Benefit Rider (MBR) and the Income Assured Option (IAO). Twenty-four month target premium. Markets: Family, Pre-Retirement, Small Business *Not available in all states. 3
Only available in Ohio, Pennsylvania, Utah and Washington. RETURN OF PREMIUM LIFE Cashback Life Return of Premium life insurance Guaranteed protection with something in return Not available in Ohio, Pennsylvania, Utah and Washington. Cashback Life Return of Premium life insurance Guaranteed protection with something in return Cashback Life* (Client brochures: Forms 11621, 11623; Agent Fact Sheets: Forms 11528, 11528A) Affordable premiums that are guaranteed in all years and level for the coverage period. Standard Select Nontobacco risk class. One hundred percent of eligible premiums are guaranteed to be returned upon surrender at the end of the level period. Conversion privileges available. Renewable coverage up to age 95.* Option for requalification after 10 years. Availability of policy loans. Nonforfeiture options. Excellent Term Life alternative. Markets: Family, Pre-Retirement, Small Business *Not all states will have the same version of the Cashback Life series. WHOLE LIFE Value Assured Whole Life Guarantees in an uncertain world Value Assured (Client Brochure: Form 11615; Agent Fact Sheet: Form 11616) Traditional whole life insurance. Guaranteed level premiums to age 100 if premiums are paid as scheduled. Guaranteed death benefit to age 120. Standard Select Nontobacco risk class. Issued on a nonmedical basis (subject to answers to health questions on application) for face amounts under $50,000, regardless of age. Discount for paying premiums in advance. Markets: Family, Pre-retirement Gift of Life Whole Life Providing security for the children in your life Gift of Life (Client Brochure: Form 1639; Agent Fact Sheet: Form 11625) Guaranteed coverage at an affordable premium. Protection for a child as young as 15 days. Built-in coverage increase at age 25 without need of physical exam or additional underwriting. Possible waiver of premium if child is disabled between ages 25 and 60. Markets: Family 4
TERM LIFE Select Term Series Term Life Level 10, 15, 20 and 30 Level 10, 15, 20 and 30 Advantage An affordable term life policy you can count on Level 10, 15, 20 and 30 and Level 10, 15, 20 and 30 Advantage (Client Brochure: Form 6754) Minimum face amount $100,000 for Level 10, 15, 20 and 30. $250,000 for Level 10, 15, 20 and 30 Advantage. Low initial 10-, 15-, 20- or 30-year premium. 10-, 15-, 20- or 30-year rate guarantee during select period. Discount for paying premiums in advance. Conversion option to any of our eligible permanent products available that may include conversion credits. Markets: Family, Small Business ChoiceTerm 20 Term life insurance A straightforward, simple way to financially protect your family ChoiceTerm 20 (Client Brochure: Form 2815; Agent Fact Sheet: Form 2814) Typically lowest 20-year term premium option in Kansas City Life s portfolio for insurance needs of $250,000 or more. Minimum face amount of $250,000. Standard Select Nontobacco risk class available. 20-year renewable convertible term. Requalification option after 10 years and before age 65 (age 60 in Washington). Markets: Family, Small Business 5
VARIABLE UNIVERSAL LIFE 1 (VUL) Offered through registered representatives appointed for variable product sales, our VUL allows the owner to participate in equity market growth potential. Variable universal life combines the advantages of a range of investment options with tax-favored life insurance. The owner can transfer funds* between subaccounts with no tax consequences, plus the plan offers automatic portfolio rebalancing, if elected, and dollar cost averaging options at no additional charge. Accumulator VUL (Client Brochure: Form 5810) Preferred Elite Nontobacco risk classification available. Lower cost of insurance rates and more competitive cash values in key market segments. Accumulator Variable Universal Life Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company No-cost Guaranteed Minimum Death Benefit (GMDB) rider in force to age 65. ALI provides inexpensive term coverage and allows greater accumulation without forcing death benefit up. Great for competitive situations. No maturity date. Policy continues past age 100. Two death benefit tests GPT and CVAT offered at issue. Option C coverage provides death benefit equal to specified amount plus total premiums paid. Lifetime Guaranteed Minimum Death Benefit rider provides a lifetime secondary guarantee without any asset allocation restrictions. Asset-based trail pays over and over again on the same compounding premium dollars. More than 40 diversified subaccounts as investment options. Markets: Family, Pre-retirement, Small Business Please refer to the product prospectus for additional details. *The Century II variable universal life product currently limits transfers from the fixed account to once per contract year. The amount may not exceed the greatest of: 25 percent of the unloaned Fixed Account Value in the Fixed Account on the date of transfer (unless the balance after the transfer is less than $250 in which case the entire amount will be transferred), or the amount transferred out of the Fixed Account in the prior year, or $2,000 (or the unloaned Fixed Account Value, if less). 1 Kansas City Life s Century II Variable Product Series is distributed by Sunset Financial Services Inc., a wholly owned subsidiary of Kansas City Life Insurance Company. 6
Kansas City Life insurance Company FIXED ANNUITIES SelecTrack SelecTrack Single Premium Deferred Annuity A secure investment in your future (Client Brochure: Form 1469) Single premium deferred annuity. Available for qualified and nonqualified markets. Minimum single premium of $10,000. An amount up to 10 percent of the contract value may be withdrawn annually without a surrender charge (one payment election per contract year). Contract owner determines the length of time the current interest rate is guaranteed: Five, seven or 10 years. Market value adjustment (not applicable in Alaska, Delaware, Iowa, Indiana, Maryland, Minnesota, Missouri, Montana, New Jersey, North Carolina, Oregon, Pennsylvania, Utah and West Virginia). Nursing Home Waiver.** No administrative fees. Lifetime Income Rider (LIR) available. Markets: Pre-retirement **Nursing Home Waiver is not available in California, Massachusetts or Pennsylvania. SecurityTrack securitytrack flexible Deferred fixed annuity a secure investment in your future (Client Brochure: Form 6468) Single or flexible premium deferred annuity. Available for qualified and nonqualified markets. Minimum premium requirement: $50 per month ($600 annually) or a minimum single premium of $5,000. Annual bonus of 0.25 percent for contracts with $50,000 or more on each contract anniversary. Annual administrative fee of $30 is waived if the contract value is at least $10,000 or if $600 of premium has been paid during the year. An amount up to 10 percent of the contract value may be withdrawn annually without a surrender charge (one payment election per contract year). Nursing Home Waiver.** Lifetime Income Rider (LIR) available. Markets: Pre-retirement **Nursing Home Waiver is not available in California, Massachusetts or Pennsylvania. 7
Kansas City Life insurance Company FIXED ANNUITIES (cont d) GrowthTrack (Client Brochure: Form 6545) GrowthTrack Flexible Deferred Fixed Annuity A secure investment in your future Single or flexible premium deferred annuity. Available for qualified and nonqualified markets. Minimum premium requirement: $50 per month ($600 annually) or a minimum single premium of $5,000. Bonus of 1 percent on first contract anniversary. An amount up to 10 percent of the contract value may be withdrawn annually without a surrender charge (one payment election per contract year). Nursing Home Waiver.** Lifetime Income Rider (LIR) available. Markets: Pre-retirement **Nursing Home Waiver is not available in California, Massachusetts or Pennsylvania. All of Kansas City Life s fixed deferred annuities are issued with a guaranteed interest rate, which remains in effect until the first redetermination date. On each redetermination date, a redetermined guaranteed interest rate will take effect. The redetermined guaranteed interest rate will always be at least 1 percent and not more than 3 percent. Single Premium Immediate Annuity (SPIA) (Client Brochure: Form 6705) Available for qualified and nonqualified markets. Offers broad variety of payout options, including guaranteed specified amounts and life contingencies. Markets: Pre-retirement single premium immediate annuity retirement income you won t outlive 8
VARIABLE ANNUITIES 1 (VA) Offered through registered representatives appointed for variable product sales, these plans allow the owner to participate in equity market growth potential. Century II variable annuities (VA) are individual flexible premium deferred contracts that allow for a single premium payment. They combine the advantages of a range of investment options with the tax-deferred advantages of an annuity. The owner can transfer funds a between subaccounts with no tax consequences, and all plans offer automatic portfolio rebalancing, dollar cost averaging and systematic partial surrender options at no additional charge. The Guaranteed Minimum Withdrawal Benefit (GMWB) rider is available on all variable annuity products. Century II VA (Sales Kit: Form 5622) Variable Annuity Variable Product Series Building your future with a secure partner Minimum $5,000 single premium or $50 per month. Seven-year surrender charge period. Annual fee of $30 is waived if contract value is $50,000 or higher. Guaranteed death benefit is greater of premiums paid or contract value. Annual 10-percent load-free partial surrender privilege beginning in year one. Nursing Home Waiver. b Century II Affinity VA 2 (Sales Kit: Form 5677) Product of choice for long-term investors, especially for single premiums. 2 Good for 401(k) rollovers when owner is still in the workforce and does not plan to use funds in the short term. Affinity Variable Annuity Variable Product Series Building your future with a secure partner Minimum $10,000 initial premium; any subsequent premium payments must be at least $50. Eight-year rolling surrender charge based on when premiums received. Annual fee of $30 is waived if contract value is $50,000 or higher. Subaccount bonuses are available on the variable account value. Guaranteed death benefit is greater of premiums paid or contract value. Two additional guaranteed death benefit options are available. Annual 10-percent load-free partial surrender privilege beginning in year one. Nursing Home Waiver. b Three commission options. Please refer to the product prospectuses for additional details. 1 Kansas City Life s Century II Variable Product Series is distributed by Sunset Financial Services Inc., a wholly owned subsidiary of Kansas City Life Insurance Company. 2 Century II Affinity VA contract is not available in all states. The Century II Single Premium Affinity Variable Annuity is only available in Alabama and Oregon. a The Century II variable annuities, excluding Century II Freedom VA, currently limit transfers from the fixed account to once per contract year. Please refer to the product prospectuses for additional information regarding such transfers. b Nursing Home Waiver not available in California. 9
VARIABLE ANNUITIES 1 (VA) (cont d) Century II Freedom VA (Sales Kit: Form 5694) Product of choice for investors who need liquidity. Good for retirees and preretirees, 401(k) rollovers and as an alternative to CDs or mutual funds. Freedom Variable Annuity Variable Product Series Building your future with a secure partner Minimum $25,000 initial premium; any subsequent premium payments must be at least $50. No surrender charges. No annual fee. Automatic five-year ratchet in the guaranteed death benefit. No limit on number of transfers from the fixed account. Maximum allocation to fixed account is 15 percent for premiums, dollar cost averaging or transfers. Please refer to the product prospectuses for additional details. All of Kansas City Life s variable annuities are issued with a guaranteed interest rate for the fixed account, which remains in effect until the first redetermination date. On each redetermination date, a redetermined guaranteed interest rate for the fixed account will take effect. The redetermined guaranteed interest rate for the fixed account will always be at least 1 percent and not more than 3 percent. 1 Kansas City Life s Century II Variable Product Series is distributed by Sunset Financial Services Inc., a wholly owned subsidiary of Kansas City Life Insurance Company. 10
We ll be with you We re Kansas City Life When Kansas City Life Insurance Company makes a promise, we stand behind it. Since 1895, we have assisted policyholders through world wars, the Great Depression and various periods of recession and inflation. Kansas City Life s reputation is built on integrity, sound investment strategies and honest business practices. To us, integrity is not an outdated notion in today s fast-paced world. It is the guiding force behind every decision we make. Every product we sell is backed by more than 120 years of quality service and financial security. 3520 Broadway Kansas City, MO 64111 816-753-7000 www.kclife.com 6758 12.16C