SEC FORM 5

SEC Form 5

FORM 5

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Form 3 Holdings Reported.

Form 4 Transactions Reported.

1. Name and Address of Reporting Person^*

BIXBY WALTER E

(Last)

(First)

(Middle)

C/O KANSAS CITY LIFE INSURANCE CO

3520 BROADWAY

(Street)

KANSAS CITY

64111

(City)

(State)

(Zip)

2. Issuer Name and Ticker or Trading Symbol
KANSAS CITY LIFE INSURANCE CO [ KCLI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	X	10% Owner
	Officer (give title below)		Other (specify below)

3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2003

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)	4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned at end of Issuer's Fiscal Year (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock, $1.25 par value⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾	12/31/2003⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾		J⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾	36,678⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾	D⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾	⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾	2,152,207⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾	I⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾	See Footnotes⁽¹⁾⁽²⁾⁽³⁾⁽⁴⁾⁽⁵⁾⁽⁶⁾
Common Stock $1.25 par value	12/31/2003		J⁽¹⁾⁽²⁾	12,249	A	⁽¹⁾⁽²⁾	$565,903.8	D
Common Stock $1.25 par value	12/31/2003		J⁽¹⁾⁽²⁾	0⁽¹⁾⁽²⁾	D⁽¹⁾⁽²⁾	⁽¹⁾⁽²⁾	349,260	D
Common Stock $1.25 par value	12/31/2003		J⁽¹⁾⁽²⁾	0⁽¹⁾⁽²⁾	D⁽¹⁾⁽²⁾	⁽¹⁾⁽²⁾	19,156	I	See Footnotes⁽⁴⁾⁽⁶⁾
Common Stock $1.25 par value	12/31/2003		J⁽¹⁾⁽²⁾	0⁽¹⁾⁽²⁾	D⁽¹⁾⁽²⁾	⁽¹⁾⁽²⁾	375,975⁽⁵⁾⁽⁶⁾	I	See Footnotes⁽⁵⁾⁽⁶⁾

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)	5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Effective on December 31, 2003, pursuant to the mandatory provisions of the agreement of WEB Interests, Ltd., a Texas partnership (the "Partnership"), (a) the shared voting power and an indirect pecuniary interest in 36,306 shares of common stock, $1.25 par value of Kansas City Life Insurance Company ("Common Stock"), owned by the Partnership were transferred from Mr. Bixby in his capacity as a co-trustee of the Walter E. Bixby, Jr. Revocable Trust dated July 28, 1999, as amended ("WEB Jr. Trust "), a Class C limited partner of the Partnership, to the Class B limited partners; (b) the sole voting power and an indirect pecuniary interest in 4 shares of Common Stock owned by the Partnership were transferred from Mr. Bixby, as a general partner in his individual capacity, to certain other partners,

2. (c) the sole voting power and an indirect pecuniary interest in 12,219 shares were transferred to Mr. Bixby in his capacity as the sole trustee of each of the GST Walter E. Bixby, III Trust and the Issue Trust for Walter E. Bixby III (collectively, the "WEB III Trusts"), each as a Class B limited partner, from certain other partners, (d) the shared voting power and an indirect pecuniary interest in 368 shares of Common Stock owned by the Partnership were transferred from Mr. Bixby in his capacit y as a co-trustee of the WEB Jr. Trust, a general partner, to certain other partners, and (e) the shared voting power and an indirect pecuniary interest in 30 shares of Common Stock owned by the Partnership were transferred to Mr. Bixby in his capacity as co-trustee of the WEB Jr. Trust from the general partners to the Class A limited partners

3. As a general partner of the Partnership, Mr. Bixby shares with the WEB Jr. Trust (a general partner of the Partnership) and the other trustees of the WEB Jr. Trust (each of whom is also a general partner of the Partnership) the power to dispose of all of the 2,358,340 shares of Common Stock owned by the Partnership. These shares include: (a) 2,049,140 shares for which Mr. Bixby as a limited partner and a general partner of the Partnership, in his capacity as a co-trustee of the WEB Jr. Trust, h as the shared power to vote and an indirect pecuniary interest, (b) 205 shares for which Mr. Bixby as an individual general partner of the Partnership has the sole power to vote and an indirect pecuniary interest, and (c) 102,862 shares for which Mr. Bixby as a limited partner, in his capacity as the sole trustee of each of the WEB III Trusts, has the sole power to vote and an indirect pecuniary interest

4. As custodian for each of Walter E. Bixby, IV, Adam J. Bixby, and Kai M. Bixby under the Missouri Transfer to Minors law, Mr. Bixby has the sole power to vote and dispose of these shares, but disclaims any pecuniary interest

5. As a co-trustee of the Walter E. Bixby Descendants Trust with Angeline I. O'Connor and Robert Philip Bixby, Mr. Bixby shares the power to vote and dispose of these shares of Common Stock; and

6. These shares do not include beneficial ownership in any of Kansas City Life Insurance Company's benefit plans.

Remarks:

Walter E. Bixby, signed by William A. Schalekamp as Power of Attorney

	Walter E. Bixby	02/13/2004
	** Signature of Reporting Person	Date
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