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Life Insurance and Annuities

Choosing the right financial product for your business or family can be confusing. You’ve probably at some time considered the question, "how does life insurance work?" Therefore, we’ve provided an easy-to-understand description of each product line we offer. We’ll be happy to provide you with all the details, including help with selecting the right product.

  • Term Life Insurance

    Term life insurance provides the most coverage for the least cost initially, but expires over time and does not accrue cash value. Read More

  • Return of Premium Life Insurance

    Return of premium life offers consistent premiums, a guaranteed death benefit and 100 percent return of eligible premiums paid at the end of the policy’s term period. Read More

  • Universal Life Insurance

    A universal life policy offers you premium and death benefit flexibility along with a tax advantaged savings element that includes a guaranteed minimum interest rate. Read More

  • Indexed Universal Life Insurance

    A flexible premium universal life product with an indexed feature. An Indexed Universal Life policy (IUL) functions similarly to universal life; however, the client can choose to allocate their policy’s values into a Fixed Account or an Indexed Account. An IUL also supplies a floor that ensures your cash value will not decrease because you are not directly invested in the market. Read More

  • Variable Universal Life Insurance*

    Variable universal life insurance combines valuable life insurance protection with a variety of investment options to fit your individual financial needs. Read More

    *Variable products offered through Sunset Financial Services, Inc., 3520 Broadway, Kansas City, MO 64111, 800-821-5529 (Home Office) Member FINRA and SIPC. Sunset Financial Services is a wholly-owned subsidiary of Kansas City Life Insurance Company.

  • Whole Life Insurance

    A whole life insurance policy can help you meet your financial goals by offering consistent premiums, a guaranteed death benefit and guaranteed cash value accumulation. Read More

  • Annuities

    Annuities provide tax-advantaged growth and can pay you a guaranteed income for life. Read More