Exhibit 6


Exhibit 6
April 23, 2001
Actuarial Opinion


In my  capacity  as Senior  Vice  President  and  Actuary  of  Kansas  City Life
Insurance Company, I have provided actuarial advice concerning:

     The  preparation  of  Post-Effective  Amendment  No.5  to the  registration
     statement of Form S-6, filed with the  Securities  and Exchange  Commission
     under the  Securities  Act of 1933,  as amended,  with  respect to flexible
     premium  survivorship  variable  universal  life  insurance  contract  (the
     "Registration Statement") and

     The  preparation  of contract forms for the flexible  premium  survivorship
     variable universal life insurance  contracts  described in the Registration
     Statement (the "Contract").

It is my professional opinion that:

     The  illustrations  of death benefits,  account values,  net cash surrender
     values and accumulated premiums in the Prospectus, based on the assumptions
     stated in the  illustrations,  are  consistent  with the  provisions of the
     Contracts.  The rate structure of the Contracts has not been designed as to
     make  the  relationship  between  premiums  and  benefits,  as shown in the
     illustrations,  appear to be correspondingly  more favorable to prospective
     purchasers of Contracts age 35 in the underwriting classes illustrated than
     to  prospective  purchasers  of  Contracts  at other  ages or  underwriting
     classes.

I hereby consent to the filing of this opinion as an Exhibit to the Registration
Statement  and  to  the  use of my  name  under  the  heading  "Experts"  in the
Prospectus.

Sincerely,

/s/Mark A. Milton

Mark A. Milton, FSA, MAAA
Senior Vice President and Actuary
Kansas City Life Insurance Company