The Kansas City Life Group of Companies* recognizes that its people are the primary reason for the continuing success, and these people will always be fairly compensated and advanced for their contributions to the Group of Companies success.

The Group of Companies offers an excellent benefits package. The primary benefits include:

• Medical Insurance;
• Dental Insurance;
• Prescription Drug Plan;
• Flexible Spending Account;
• Disability Plan;
• Cash Balance Pension Plan;
• Savings and Profit Sharing Plan;
• On-site Cafeteria;
• Tuition Reimbursement;
• Employee Assistance Program;
• Group Term Life Insurance;
• Voluntary Accidental Death and Dismemberment and;
• Business Travel Accident Insurance.

Other highlights of the Kansas City Life Insurance Group of Companies benefits package include:

• a paid leave policy;
• designated paid holidays;
• individual retirement annuities;
• savings bonds;
• company sports programs;
• service awards;
• area activities and;
• van pools.

The Group of Companies provides basic medical and dental insurance to all full-time Associates. Associates are required to contribute toward the individual premium amount. Family coverage is also available for Associates to purchase at reasonable group rates.

In conjunction with the basic medical coverage, the Company offers a prescription benefit including retail pharmacies and/or a mail order program.

The Company allows all full-time Associates the opportunity to pay company-sponsored medical and dental premiums, out-of-pocket medical and dental expenses, and child care expenses with pre-tax earnings. Certain limitations and restrictions apply.

The disability plan is designed to provide a disability income to those Associates who have become totally disabled because of sickness or injury. After a 30 day waiting period, the Plan will provide disability income payments equal to 66 2/3% of the Associate’s base salary less Social Security and/or Workers Compensation benefits. This is a noncontributory plan with the Company paying the full cost. This leave runs concurrently with Family and Medical Leave. Certain restrictions and limitations apply.

The Cash Balance Pension Plan is a retirement plan that’s fully paid for by the Kansas City Life Insurance Group of Companies. Additionally, this plan can act as the “cornerstone” of your retirement income. Associates who are at least 21 years of age and with one year of service are eligible to participate in the plan. For all participants, each year the account will be credited with a percentage of the annual base salary determined by the Associate's years of service as of December 31st using a pre-determined schedule. This account will earn interest each year determined by the average 30 year treasury bond rate set in November of the prior year, with a minimum guaranteed rate of 5.5%. Associates are fully vested in the Cash Balance Pension Plan after three years of completed service.

The purpose of this plan is to recognize the contributions of eligible Associates to the successful operation of the Group of Companies and to reward such contributions by providing certain savings and profit sharing benefits for participants on a pre-tax basis. Associates who are 21 years of age may participate in the plan in accordance with IRS regulations. Participants are eligible for a company matching contribution after one year of employment. Matching contributions become fully vested after six completed years of service.

Additionally, the Company may contribute Profit Sharing to an Associate's savings and profit sharing account, up to 4% of an Associate’s annual base salary, based on corporate financial results determined at the end of the each year.

The Company provides an on-site cafeteria for all Associates where employees may purchase a variety of lunches at Company subsidized prices.

The Company provides educational assistance to all full-time Associates actively employed at the time of both registration and completion of the course and subject to specific criteria and limitations.

The Employee Assistance Program is a confidential, short-term counseling and referral service staffed by highly trained professional counselors based at St. Luke’s Hospital of Kansas City. There is no cost for short term counseling as this benefit is Company provided.

The Group Term Life Insurance Plan is designed to provide an Associate’s dependents with a measure of financial security in the event of an Associate’s death. This is a term insurance program that covers an Associate during employment. All full-time Associates under the age of 65 are eligible for this benefit. Certain benefit reductions apply at age 65, 70, and 75.

The amount of the benefit is equal to 2.5 times an Associate’s annual base salary and automatically increases as the salary rate increases.

In addition to the Company provided insurance, an Associate may elect to purchase an additional amount of Group Term Insurance. Certain restrictions apply.

All full-time Associates under age 70 and their families are offered the opportunity to voluntarily purchase AD&D insurance through the Company. Certain restrictions apply.

The Business Travel Accident Insurance Plan, a limited death benefit, is an insurance plan designed to provide accidental death and dismemberment insurance for Associates and spouses while traveling on Company business. All full-time Associates, under age 70, are covered by this plan. Certain restrictions apply.