<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2005-12-31</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>0</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

    <issuer>
        <issuerCik>0000054473</issuerCik>
        <issuerName>KANSAS CITY LIFE INSURANCE CO</issuerName>
        <issuerTradingSymbol>KCLI</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001096554</rptOwnerCik>
            <rptOwnerName>BIXBY WALTER E JR REVOCABLE TRUST</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O KANSAS CITY LIFE INSURANCE CO</rptOwnerStreet1>
            <rptOwnerStreet2>3520 BROADWAY</rptOwnerStreet2>
            <rptOwnerCity>KANSAS CITY</rptOwnerCity>
            <rptOwnerState>MO</rptOwnerState>
            <rptOwnerZipCode>64111</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock, $1.25 par value</value>
            </securityTitle>
            <transactionDate>
                <value>2005-12-31</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>38441</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1996766</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>See Footnotes</value>
                    <footnoteId id="F2"/>
                    <footnoteId id="F3"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">(1) Effective on December 31, 2005, pursuant to the mandatory provisions of the agreement of WEB Interests, Ltd. (the
&quot;Partnership&quot;), (a) an indirect pecuniary interest in 37,974 shares of common stock, $1.25 par value of Kansas City Life
Insurance Company (&quot;Common Stock&quot;), owned by the Partnership were transferred from the Walter E. Bixby, Jr. Revocable Trust
dated July 28, 1999, as amended (&quot;WEB Trust&quot;), in its capacity as a Class C limited partner to the Class B limited partners;
(b) an indirect pecuniary interest in 83 shares of Common Stock owned by the Partnership were transferred to the WEB Trust
in its capacity as a Class A partner from the general partners and Class C limited partners, and (c) an indirect pecuniary
interest in 384 shares of Common Stock owned by the Partnership were transferred from the WEB Trust, as a general partner of
the WEB Trust, to the Class A limited partners;</footnote>
        <footnote id="F2">(2) As a general partner of the Partnership, the WEB Trust shares with the co-trustees of the WEB Trust, each of whom is 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 1,996,766 shares of Common Stock owned by the Partnership for which the WEB Trust as a
limited partner and co-general partner of the Partnership, shares with the co-trustees, an indirect pecuniary interest; and</footnote>
        <footnote id="F3">(3) As reported on a Schedule 13D filed by the Bixby family group with the Securities and Exchange Commission on November 2,
2004, the sole voting power for all the shares described herein is held by Mr. Lee M. Vogel pursuant to a Voting Agreement
dated October 31, 2004.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Walter E. Bixby, Co-trustee, signed by William A. Schalekamp as power of attorney</signatureName>
        <signatureDate>2006-02-10</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>Robert Philip Bixby, Co-trustee, signed by William A. Schalekamp as power of attorney</signatureName>
        <signatureDate>2006-02-10</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>Angeline I. Bixby, Co-trustee</signatureName>
        <signatureDate>2006-02-10</signatureDate>
    </ownerSignature>
</ownershipDocument>
