| [X] | ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year ended December 31, 2004 |
| OR |
| [ ] | TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to ___________ |
Commission File Number 2-40764
Kansas
City Life Insurance Company Savings and Profit Sharing
Plan
A.
(Full Title of Plan)
Kansas City
Life Insurance Company
3520 Broadway
Kansas City, Missouri
64111-2565
B. (Name and Address of Issuer of Securities Held Pursuant
to Plan)
Required Information
Pursuant to the section of the General Instructions to Form 11-K entitled "Required Information," this Annual Report on Form 11-K for the fiscal year ended December 31, 2004, consists of the audited financial statements of the Kansas City Life Insurance Company Savings and Profit Sharing Plan for the year ended December 31, 2004, and the related schedule thereto. The Kansas City Life Insurance Company Savings and Profit Sharing Plan is subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and in accordance with Item 4 of the section of the General Instructions to Form 11-K entitled "Required Information," the financial statements and schedule furnished herewith have been prepared in accordance with the financial reporting requirements of ERISA, in lieu of the requirements of Items 1-3 of that section of the General Instructions. Schedules I, II and III are not submitted because they are either not applicable, the required information is included in the financial statements or notes thereto, or they are not required under ERISA.
Kansas City Life
Insurance Company
Savings and Profit Sharing Plan
Financial Statements
and
Supplemental Schedules
2004
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Statements of Net Assets Available for Plan Benefits............... |
1 |
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Statement of Changes in Net Assets Available for Plan Assets |
2 |
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Notes to Financial Statements.......................................... |
3 |
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Supplemental Schedules |
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Schedule of Assets (Held at end of Year)............................... |
9 |
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Schedule of Reportable Transactions................................... |
10 |
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Report of Independent Registered Public Accounting Firm |
Kansas City Life Insurance Company
Savings and Profit Sharing
Plan
Statements of Net Assets Available for Plan Benefits
(Amounts in thousands)
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December 31 | ||
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2004 |
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2003 |
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Assets |
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Investments: |
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Participant directed: |
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Mutual funds, at fair value |
$ 20,501 |
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17,185 | |||
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Guaranteed interest contract, at contract value |
6,665 |
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5,545 | |||
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Kansas City Life Insurance Company common stock, at fair value |
3,123 |
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3,041 | |||
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Non-participant directed: |
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Kansas City Life Insurance Company common stock, at fair value |
32,274 |
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29,742 | |||
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Participant loans, at unpaid balances |
1,470 |
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1,361 | |||
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Total investments |
64,033 |
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56,874 | |
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Cash |
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288 |
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245 | ||
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Distributions Payable |
- |
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- | |||||
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Net assets available for plan benefits |
$ 64,321 |
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$ 57,119 | |
See accompanying notes to financial statements.
1
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Kansas City Life Insurance Company |
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Savings and Profit Sharing Plan |
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Statement of Changes in Net Assets Available for Plan Benefits |
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(Amounts in thousands) |
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2004 | ||||
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Non- |
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Participant |
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participant |
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directed |
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directed |
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Total |
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Additions to net assets attributed to: |
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Investment income: |
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Interest income |
$ 283 |
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70 |
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353 | |||||
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Dividend income |
69 |
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696 |
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765 | |||||
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Net appreciation in fair value |
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of investments |
2,739 |
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1,531 |
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4,270 | ||||
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Net investment income |
3,091 |
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2,297 |
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5,388 | ||||
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Contributions: |
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Participants |
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2,556 |
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— |
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2,556 | ||||
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Employer |
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— |
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1,362 |
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1,362 | ||||
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Total contributions |
2,556 |
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1,362 |
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3,918 | ||
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