kansas city life insurance company supplement ...kansas city life variable annuity separate account...

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KANSAS CITY LIFE INSURANCE COMPANY Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated August 1, 2017 to the Prospectuses dated May 1, 2017 for the Century II Variable Annuity Contract Century II Affinity Variable Annuity Contract Century II Freedom Variable Annuity Contract Century II Single Premium Affinity Variable Annuity Contract Century II Variable Universal Life Insurance Contract Century II Alliance Variable Universal Life Insurance Contract Century II Survivorship Variable Universal Life Insurance Contract Century II Heritage Survivorship Variable Universal Life Insurance Contract Century II Accumulator Variable Universal Life Insurance Contract  Effective August 1, 2017, the Prospectuses are amended as follows: Under the heading “Annual Portfolio Operating Expenses” please replace the information relating to American Century Variable Portfolios, Inc. and American Century Variable Portfolios II, Inc. with the following: Portfolio Management Fees 12b-1/ Service Fees Other Expenses Acquired Fund Fees and Expenses Total Portfolio Annual Operating Expenses Contractual Fee Waiver or Expense Reimbursement Total Portfolio Annual Operating Expenses After Reimbursement American Century Variable Portfolios, Inc. VP Capital Appreciation Fund – Class I 1.00% NA 0.00% NA 1.00% 0.04% 1 0.96% VP Income & Growth Fund – Class I 0.70% NA 0.00% NA 0.70% NA NA VP International Fund – Class I 1.35% NA 0.02% NA 1.37% 0.33% 2 1.04% VP Mid Cap Value Fund – Class I 1.00% NA 0.00% 0.01% 1.01% 0.16% 3 0.85% VP Ultra ® Fund – Class I 1.00% NA 0.01% NA 1.01% 0.17% 4 0.84% VP Value Fund – Class I 0.97% NA 0.01% NA 0.98% 0.19% 5 0.79% American Century Variable Portfolios II, Inc. VP Inflation Protection Fund – Class II 0.46% 0.25% 0.02% NA 0.73% NA NA                                                            1 The advisor has agreed to waive 0.04 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors. 2  The advisor has agreed to waive 0.33 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors. 3 The advisor has agreed to waive 0.16 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors. 4 The advisor has agreed to waive 0.17 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors. 5 The advisor has agreed to waive 0.19 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors.       THIS SUPPLEMENT SHOULD BE READ CAREFULLY TOGETHER WITH THE PROSPECTUS, AND BOTH DOCUMENTS SHOULD BE KEPT TOGETHER FOR FUTURE REFERENCE. 

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Page 1: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

KANSAS CITY LIFE INSURANCE COMPANY

Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account

Supplement dated August 1, 2017 to the Prospectuses dated May 1, 2017 for the

Century II Variable Annuity Contract

Century II Affinity Variable Annuity Contract Century II Freedom Variable Annuity Contract

Century II Single Premium Affinity Variable Annuity Contract Century II Variable Universal Life Insurance Contract

Century II Alliance Variable Universal Life Insurance Contract Century II Survivorship Variable Universal Life Insurance Contract

Century II Heritage Survivorship Variable Universal Life Insurance Contract Century II Accumulator Variable Universal Life Insurance Contract

 

Effective August 1, 2017, the Prospectuses are amended as follows: Under the heading “Annual Portfolio Operating Expenses” please replace the information relating to American Century Variable Portfolios, Inc. and American Century Variable Portfolios II, Inc. with the following:

Portfolio Management

Fees

12b-1/ Service

Fees

Other Expenses

Acquired Fund Fees

and Expenses

Total Portfolio Annual

Operating Expenses

Contractual Fee Waiver or Expense

Reimbursement

Total Portfolio Annual Operating

Expenses After Reimbursement

American Century Variable Portfolios, Inc.

VP Capital Appreciation Fund – Class I

1.00% NA 0.00% NA 1.00% 0.04%1 0.96%

VP Income & Growth Fund – Class I

0.70% NA 0.00% NA 0.70% NA NA

VP International Fund – Class I 1.35% NA 0.02% NA 1.37% 0.33%2 1.04% VP Mid Cap Value Fund – Class I

1.00% NA 0.00% 0.01% 1.01% 0.16%3 0.85%

VP Ultra® Fund – Class I 1.00% NA 0.01% NA 1.01% 0.17%4 0.84% VP Value Fund – Class I 0.97% NA 0.01% NA 0.98% 0.19%5 0.79%

American Century Variable Portfolios II, Inc.

VP Inflation Protection Fund – Class II

0.46% 0.25% 0.02% NA 0.73% NA NA

                                                            1 The advisor has agreed to waive 0.04 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors. 2 The advisor has agreed to waive 0.33 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors. 3 The advisor has agreed to waive 0.16 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors. 4 The advisor has agreed to waive 0.17 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors. 5 The advisor has agreed to waive 0.19 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors.

 

 

 

 

 

 

THIS SUPPLEMENT SHOULD BE READ CAREFULLY TOGETHER WITH THE PROSPECTUS, AND BOTH DOCUMENTS SHOULD BE KEPT TOGETHER FOR FUTURE REFERENCE. 

Page 2: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

KANSAS CITY LIFE INSURANCE COMPANY

Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account

Supplement dated November 30, 2017 to the Prospectuses dated May 1, 2017 for the

Century II Variable Annuity Contract

Century II Affinity Variable Annuity Contract Century II Freedom Variable Annuity Contract

Century II Single Premium Affinity Variable Annuity Contract Century II Variable Universal Life Insurance Contract

Century II Alliance Variable Universal Life Insurance Contract Century II Survivorship Variable Universal Life Insurance Contract

Century II Heritage Survivorship Variable Universal Life Insurance Contract Century II Accumulator Variable Universal Life Insurance Contract

 

Effective November 30, 2017, the Prospectuses are amended as follows: Under the heading “Annual Portfolio Operating Expenses” please replace the information relating to American Funds Insurance Series® Managed Risk Funds with the following:

Portfolio Management

Fees

12b-1/ Service

Fees

Other Expenses

Acquired Fund Fees

and Expenses

Total Portfolio Annual

Operating Expenses

Contractual Fee Waiver or Expense

Reimbursement

Total Portfolio Annual Operating

Expenses After Reimbursement

American Funds Insurance Series® Managed Risk Funds

Managed Risk Asset Allocation Fund – Class P2 Shares

0.15% 0.25% 0.28% 0.29%1 0.97% 0.05%2 0.92%

Managed Risk Blue Chip Income and Growth Fund – Class P2 Shares

0.15% 0.25% 0.39% 0.40%1 1.19% 0.16%3 1.03%

Managed Risk Growth Fund – Class P2 Shares

0.15% 0.25% 0.39% 0.35%1 1.14% 0.16%3 0.98%

Managed Risk Growth-Income Fund – Class P2 Shares

0.15% 0.25% 0.39% 0.30%1 1.09% 0.16%3 0.93%

Managed Risk International Fund – Class P2 Shares – Class P2 Shares

0.15% 0.25% 0.39% 0.50%1 1.29% 0.16%3 1.13%

                                                            1 Restated to reflect current fees. 2 The investment adviser is currently waiving a portion of its management fee equal to .05% of the fund’s net assets. This waiver will be in effect through at least November 30, 2018. The waiver may only be modified or terminated with the approval of the fund’s board. 3 The investment adviser is currently waiving a portion of its management fee equal to .05% of the fund’s net assets. In addition, the investment adviser is currently reimbursing a portion of the other expenses. This waiver and reimbursement will be in effect through at least November 30, 2018. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time. The waiver may only be modified or terminated with the approval of the fund’s board. 

 

 

 

 

 

 

 

 

 

THIS SUPPLEMENT SHOULD BE READ CAREFULLY TOGETHER WITH THE PROSPECTUS, AND BOTH DOCUMENTS SHOULD BE KEPT TOGETHER FOR FUTURE REFERENCE. 

Page 3: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

SUPPLEMENT TO THE PROSPECTUS

The date of this supplement is June 28, 2017.

For Certain MFS® Funds

1029722 1 MULTI-SUP-II-062817

Effective immediately, in the table in the sub-section entitled "Disclosure of Portfolio Holdings" under the sub-heading entitled "Investment Adviser" beneath the main heading entitled "Management of the Fund," all references to "14 days" are replaced with "11 days."

Page 4: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

TF P1 P2 P4 07/17

SUPPLEMENT DATED JULY 11, 2017TO THE PROSPECTUSES DATED MAY 1, 2017

TEMPLETON FOREIGN VIP FUND(A series of Franklin Templeton Variable Insurance Products Trust)

The prospectus is amended as follows:

I. Cindy L. Sweeting, CFA, President of Investment Counsel and portfolio manager of theFund, will be retiring effective December 31, 2017. Effective January 1, 2018, it is anticipatedthat she will no longer be a portfolio manager of the Fund, and Peter A. Nori will continue tobe lead portfolio manager of the Fund.

II. Effective January 1, 2018, the portfolio management team under the “FUND SUMMARIES– Templeton Foreign VIP Fund – Portfolio Managers” section on page TF-S5 is replaced withthe following:

Portfolio Managers

Peter A. Nori, CFA Executive Vice President/Portfolio Manager – Research Analyst of InvestmentCounsel and portfolio manager of the Fund since 1999.

Matthew R. Nagle, CFA Portfolio Manager of Investment Counsel and portfolio manager of theFund since January 2018.

Heather Waddell, CFA Portfolio Manager of Investment Counsel and portfolio manager of the Fundsince January 2018.

III. Effective January 1, 2018, the portfolio management team under the “FUND DETAILS –Templeton Foreign VIP Fund – Management” section on page TF-D8 is replaced with thefollowing:

The Fund is managed by a team of dedicated professionals focused on global investment ofissuers outside the U.S. The portfolio managers are as follows:

Peter A. Nori, CFA Executive Vice President/Portfolio Manager – Research Analyst ofInvestment Counsel

Mr. Nori has been the lead portfolio manager of the Fund since 1999. He has primaryresponsibility for the investment of the Fund. He has final authority over all aspects of theFund’s investment portfolio, including but not limited to, purchases and sales of individualsecurities, portfolio risk assessment, and the management of daily cash balances in accordancewith anticipated investment management requirements. The degree to which he may performthese functions, and the nature of these functions, may change from time to time. He joinedFranklin Templeton Investments in 1987.

Page 5: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

Matthew R. Nagle, CFA Portfolio Manager of Investment Counsel

Mr. Nagle has been a portfolio manager of the Fund since January 2018, providing researchand advice on the purchases and sales of individual securities, and portfolio risk assessment.He joined Franklin Templeton Investments in 2003.

Heather Waddell, CFA Portfolio Manager of Investment Counsel

Ms. Waddell has been a portfolio manager of the Fund since January 2018, providing researchand advice on the purchases and sales of individual securities, and portfolio risk assessment.She joined Franklin Templeton Investments in 1996.

CFA® and Chartered Financial Analyst® are trademarks owned by CFA Institute.

Please keep this supplement with your prospectus for future reference.

Page 6: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

American Century Variable Portfolios, Inc.

Prospectus Supplement

VP Capital Appreciation FundSupplement dated August 1, 2017 Prospectus dated May 1, 2017

The following replaces the tables in the Fees and Expenses section on page 2 of the prospectus:

Annual Fund Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)  Class I Class IIManagement Fee 1.00% 0.90%Distribution and Service (12b-1) Fees None 0.25%Other Expenses 0.00% 0.00%Total Annual Fund Operating Expenses 1.00% 1.15%Fee Waiver1 0.04% 0.04%Total Annual Fund Operating Expenses After Waiver 0.96% 1.11%

1 The advisor has agreed to waive 0.04 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors.

  1 year 3 years 5 years 10 yearsClass I $98 $315 $549 $1,221Class II $113 $362 $630 $1,394

The following section is added after the Frequent Trading Practices on page 9 of the prospectus.Small Distributions and Uncashed Distribution ChecksGenerally, dividends and distributions cannot be paid by check for an amount less than $50. Any such amount will be automatically reinvested in additional shares. The fund reserves the right to reinvest any dividend or distribution amount you elect to receive by check if your check is returned as undeliverable or if you do not cash your check within six months. Interest will not accrue on the amount of your uncashed check. We will reinvest your check into your account at the NAV on the day of reinvestment. When reinvested, those amounts are subject to the risk of loss like any other fund investment. We also reserve the right to change your election to receive dividends and distributions in cash after a check is returned undeliverable or uncashed for the six month period, and we may automatically reinvest all future dividends and distributions at the NAV on the date of the payment.

©2017 American Century Proprietary Holdings, Inc. All rights reserved.CL-SPL-93051  1708

Page 7: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

American Century Variable Portfolios, Inc.American Century Variable Portfolios II, Inc.

Prospectus Supplement

VP Income & Growth Fund VP Large Company Value Fund VP Inflation Protection Fund

Supplement dated August 1, 2017 Prospectuses dated May 1, 2017

The following section is added after the Frequent Trading Practices in the prospectuses.Small Distributions and Uncashed Distribution ChecksGenerally, dividends and distributions cannot be paid by check for an amount less than $50. Any such amount will be automatically reinvested in additional shares. The fund reserves the right to reinvest any dividend or distribution amount you elect to receive by check if your check is returned as undeliverable or if you do not cash your check within six months. Interest will not accrue on the amount of your uncashed check. We will reinvest your check into your account at the NAV on the day of reinvestment. When reinvested, those amounts are subject to the risk of loss like any other fund investment. We also reserve the right to change your election to receive dividends and distributions in cash after a check is returned undeliverable or uncashed for the six month period, and we may automatically reinvest all future dividends and distributions at the NAV on the date of the payment.

©2017 American Century Proprietary Holdings, Inc. All rights reserved.CL-SPL-93040  1708

Page 8: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

American Century Variable Portfolios, Inc.

Prospectus Supplement

VP International FundSupplement dated August 1, 2017 Prospectus dated May 1, 2017

The following replaces the tables in the Fees and Expenses section on page 2 of the prospectus:

Annual Fund Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)  Class I Class IIManagement Fee 1.35% 1.25%Distribution and Service (12b-1) Fees None 0.25%Other Expenses 0.02% 0.02%Total Annual Fund Operating Expenses 1.37% 1.52%Fee Waiver1 0.33% 0.33%Total Annual Fund Operating Expenses After Waiver 1.04% 1.19%

1 The advisor has agreed to waive 0.33 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors.

  1 year 3 years 5 years 10 yearsClass I $106 $402 $719 $1,617Class II $122 $449 $799 $1,783

The following section is added after the Frequent Trading Practices on page 9 of the prospectus.Small Distributions and Uncashed Distribution ChecksGenerally, dividends and distributions cannot be paid by check for an amount less than $50. Any such amount will be automatically reinvested in additional shares. The fund reserves the right to reinvest any dividend or distribution amount you elect to receive by check if your check is returned as undeliverable or if you do not cash your check within six months. Interest will not accrue on the amount of your uncashed check. We will reinvest your check into your account at the NAV on the day of reinvestment. When reinvested, those amounts are subject to the risk of loss like any other fund investment. We also reserve the right to change your election to receive dividends and distributions in cash after a check is returned undeliverable or uncashed for the six month period, and we may automatically reinvest all future dividends and distributions at the NAV on the date of the payment.

©2017 American Century Proprietary Holdings, Inc. All rights reserved.CL-SPL-93055  1708

Page 9: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

American Century Variable Portfolios, Inc.

Prospectus Supplement

VP Mid Cap Value FundSupplement dated August 1, 2017 Prospectus dated May 1, 2017

The following replaces the tables in the Fees and Expenses section on page 2 of the prospectus:

Annual Fund Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)  Class I Class IIManagement Fee 1.00% 0.90%Distribution and Service (12b-1) Fees None 0.25%Other Expenses 0.00% 0.00%Acquired Fund Fees and Expenses 0.01% 0.01%Total Annual Fund Operating Expenses 1.01% 1.16%Fee Waiver1 0.16% 0.16%Total Annual Fund Operating Expenses After Waiver 0.85% 1.00%

1 The advisor has agreed to waive 0.16 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors.

  1 year 3 years 5 years 10 yearsClass I $87 $306 $543 $1,222Class II $102 $353 $624 $1,394

The following section is added after the Frequent Trading Practices on page 9 of the prospectus.Small Distributions and Uncashed Distribution ChecksGenerally, dividends and distributions cannot be paid by check for an amount less than $50. Any such amount will be automatically reinvested in additional shares. The fund reserves the right to reinvest any dividend or distribution amount you elect to receive by check if your check is returned as undeliverable or if you do not cash your check within six months. Interest will not accrue on the amount of your uncashed check. We will reinvest your check into your account at the NAV on the day of reinvestment. When reinvested, those amounts are subject to the risk of loss like any other fund investment. We also reserve the right to change your election to receive dividends and distributions in cash after a check is returned undeliverable or uncashed for the six month period, and we may automatically reinvest all future dividends and distributions at the NAV on the date of the payment.

©2017 American Century Proprietary Holdings, Inc. All rights reserved.CL-SPL-93057  1708

Page 10: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

American Century Variable Portfolios, Inc.

Prospectus Supplement

VP Ultra® FundSupplement dated August 1, 2017 Prospectus dated May 1, 2017

The following replaces the tables in the Fees and Expenses section on page 2 of the prospectus:

Annual Fund Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)  Class I Class IIManagement Fee 1.00% 0.90%Distribution and Service (12b-1) Fees None 0.25%Other Expenses 0.01% 0.01%Total Annual Fund Operating Expenses 1.01% 1.16%Fee Waiver1 0.17% 0.17%Total Annual Fund Operating Expenses After Waiver 0.84% 0.99%

1 The advisor has agreed to waive 0.17 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors.

  1 year 3 years 5 years 10 yearsClass I $86 $305 $542 $1,221Class II $101 $352 $623 $1,394

The following section is added after the Frequent Trading Practices on page 9 of the prospectus.Small Distributions and Uncashed Distribution ChecksGenerally, dividends and distributions cannot be paid by check for an amount less than $50. Any such amount will be automatically reinvested in additional shares. The fund reserves the right to reinvest any dividend or distribution amount you elect to receive by check if your check is returned as undeliverable or if you do not cash your check within six months. Interest will not accrue on the amount of your uncashed check. We will reinvest your check into your account at the NAV on the day of reinvestment. When reinvested, those amounts are subject to the risk of loss like any other fund investment. We also reserve the right to change your election to receive dividends and distributions in cash after a check is returned undeliverable or uncashed for the six month period, and we may automatically reinvest all future dividends and distributions at the NAV on the date of the payment.

©2017 American Century Proprietary Holdings, Inc. All rights reserved.CL-SPL-93059  1708

Page 11: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

American Century Variable Portfolios, Inc.

Prospectus Supplement

VP Value FundSupplement dated August 1, 2017 Prospectus dated May 1, 2017

The following replaces the tables in the Fees and Expenses section on page 2 of the prospectus:

Annual Fund Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)  Class I Class IIManagement Fee 0.97% 0.87%Distribution and Service (12b-1) Fees None 0.25%Other Expenses 0.01% 0.01%Total Annual Fund Operating Expenses 0.98% 1.13%Fee Waiver1 0.19% 0.19%Total Annual Fund Operating Expenses After Waiver 0.79% 0.94%

1 The advisor has agreed to waive 0.19 percentage points of the fund’s management fee. The advisor expects this waiver to continue until July 31, 2018 and cannot terminate it prior to such date without the approval of the Board of Directors.

   1 year 3 years 5 years 10 yearsClass I $81 $294 $524 $1,184Class II $96 $341 $605 $1,357

The following section is added after the Frequent Trading Practices on page 9 of the prospectus.Small Distributions and Uncashed Distribution ChecksGenerally, dividends and distributions cannot be paid by check for an amount less than $50. Any such amount will be automatically reinvested in additional shares. The fund reserves the right to reinvest any dividend or distribution amount you elect to receive by check if your check is returned as undeliverable or if you do not cash your check within six months. Interest will not accrue on the amount of your uncashed check. We will reinvest your check into your account at the NAV on the day of reinvestment. When reinvested, those amounts are subject to the risk of loss like any other fund investment. We also reserve the right to change your election to receive dividends and distributions in cash after a check is returned undeliverable or uncashed for the six month period, and we may automatically reinvest all future dividends and distributions at the NAV on the date of the payment.

©2017 American Century Proprietary Holdings, Inc. All rights reserved.CL-SPL-93061  1708

Page 12: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

SUPPLEMENT TO THE PROSPECTUS

The date of this supplement is August 17, 2017.

MFS® Utilities Series Initial Class & Service Class Shares

1030918 1 VUF-SUP-I-081717

Effective September 15, 2017, the table in the section entitled "Portfolio Manager(s)" beneath the main heading entitled "Summary of Key Information" is replaced in its entirety as follows:

Portfolio Manager Since Title

Claud Davis 2014 Investment Officer of MFS

Maura Shaughnessy 1993 Investment Officer of MFS

Scott Walker September 2017

Investment Officer of MFS

Effective September 15, 2017, the table within the section entitled "Portfolio Manager(s)" beneath the main heading entitled "Management of the Fund" is replaced in its entirety as follows:

Portfolio Manager

Primary Role Five Year History

Claud Davis Portfolio Manager Employed in the investment area of MFS since 1994

Maura Shaughnessy

Portfolio Manager Employed in the investment area of MFS since 1991

Scott Walker Portfolio Manager Employed in the investment area of MFS since 2008

Page 13: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

1

1. With the respect to the Class 1, Class 1A, Class 2 and Class 4 shares prospectuses only, the first paragraph under the heading “Principal investment strategies” in the Global Small Capitalization Fund summary portion of the prospectus is amended in its entirety to read as follows:

Principal investment strategies Normally, the fund invests at least 80% of its net assets in growth-oriented common stocks and other equity type securities of companies with small market capitalizations, measured at the time of purchase. However, the fund’s holdings of small capitalization stocks may fall below the 80% threshold due to subsequent market action. The investment adviser currently defines “small market capitalization” companies as companies with market capitalizations of $6.0 billion or less. The investment adviser has periodically re-evaluated and adjusted this definition and may continue to do so in the future. As a fund that seeks to invest globally, the fund will allocate its assets among securities of companies domiciled in various countries, including the United States and countries with emerging markets (but in no fewer than three countries). Under normal market conditions, the fund will invest significantly in issuers domiciled outside the United States (i.e., at least 40% of its net assets, unless market conditions are not deemed favorable by the fund’s investment adviser, in which case the fund would invest at least 30% of its net assets in issuers outside the United States).

2. The information under the heading “Portfolio managers” in the “Management” section of the Growth Fund summary portion of the prospectus is amended in its entirety to read as follows:

Portfolio managers The individuals primarily responsible for the portfolio management of the fund are:

Portfolio manager/ Series title (if applicable)

Portfolio manager experience in this fund

Primary title with investment adviser

Mark L. Casey Less than 1 year Partner – Capital World Investors

Michael T. Kerr 12 years Partner – Capital World Investors

Andraz Razen 4 years Partner – Capital World Investors

Martin Romo 1 year Partner – Capital World Investors

Alan J. Wilson 3 years Partner – Capital World Investors

3. With respect to the Class 1, Class 1A, Class 2 and Class 4 shares prospectuses only, the information under the heading “Portfolio managers” in the “Management” section of the Capital Income Builder summary portion of the prospectus is amended in its entirety to read as follows:

Portfolio managers The individuals primarily responsible for the portfolio management of the fund are:

Portfolio manager/ Series title (if applicable)

Portfolio manager experience in this fund

Primary title with investment adviser

David J. Betanzos 3 years Partner – Capital Fixed Income Investors

Gerald Du Manoir Less than 1 year Partner – Capital International Investors

Steven T. Watson Less than 1 year Partner – Capital International Investors

Philip Winston 3 years Partner – Capital International Investors

American Funds Insurance Series® Prospectus Supplement

December 1, 2017

(for Class 1, Class 1A, Class 2, Class 3 and Class 4 shares prospectuses each dated May 1, 2017)

Page 14: KANSAS CITY LIFE INSURANCE COMPANY Supplement ...Kansas City Life Variable Annuity Separate Account Kansas City Life Variable Life Separate Account Supplement dated November 30, 2017

2

4. The information under the heading “Portfolio managers” in the “Management” section of the High-Income Bond Fund summary portion of the prospectus is amended in its entirety to read as follows:

Portfolio managers The individuals primarily responsible for the portfolio management of the fund are:

Portfolio manager/ Series title (if applicable)

Portfolio manager experience in this fund

Primary title with investment adviser

Thomas H. Chow 2 years Vice President – Capital Fixed Income Investors

David A. Daigle 8 years Partner – Capital Fixed Income Investors

Shannon Ward 1 year Vice President – Capital Fixed Income Investors

5. With the respect to the Class 1, Class 1A, Class 2, and Class 4 shares prospectuses only, the section captioned “Global Small Capitalization Fund” in the “Investment objectives, strategies and risks” section of the prospectus is amended in its entirety to read as follows:

Global Small Capitalization Fund The fund’s investment objective is to provide long-term growth of capital. While it has no present intention to do so, the fund’s board may change the fund’s investment objective without shareholder approval upon 60 days’ written notice to shareholders.

Normally, the fund invests at least 80% of its net assets in growth-oriented common stocks and other equity-type securities (such as preferred stocks, convertible preferred stocks and convertible bonds) of companies with small market capitalizations, measured at the time of purchase. However, the fund’s holdings of small capitalization stocks may fall below the 80% threshold due to subsequent market action. This policy is subject to change only upon 60 days’ written notice to shareholders. The investment adviser currently defines “small market capitalization” companies as companies with market capitalizations of $6.0 billion or less. The investment adviser has periodically re-evaluated and adjusted this definition and may continue to do so in the future. As a fund that seeks to invest globally, the fund will allocate its assets among securities of companies domiciled in various countries, including the United States and countries with emerging markets (but in no fewer than three countries). Under normal market conditions, the fund will invest significantly in issuers domiciled outside the United States (i.e., at least 40% of its net assets, unless market conditions are not deemed favorable by the fund’s investment adviser, in which case the fund would invest at least 30% of its net assets in issuers outside the United States).

6. The table under the heading “The Capital SystemSM” in the “Management and organization” section of the prospectus is amended in its entirety to read as follows:

Portfolio manager for the Series/Title (if applicable)

Primary title with investment adviser (or affiliate) and investment experience

Portfolio manager’s role in management of, and experience in, the fund(s)

Donald D. O’Neal Vice Chairman of the Board

Partner – Capital Research Global Investors Investment professional for 32 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Growth-Income Fund — 12 years

Alan N. Berro President Partner – Capital World Investors Investment professional for 31 years in total; 26 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Asset Allocation Fund — 17 years

Carl M. Kawaja Vice President Partner – Capital World Investors Investment professional for 30 years in total; 26 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: New World Fund — 18 years

Sung Lee Vice President Partner – Capital Research Global Investors Investment professional for 23 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: International Fund — 11 years International Growth and Income Fund — 9 years

Dylan Yolles Vice President Partner – Capital International Investors Investment professional for 20 years in total; 17 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Growth-Income Fund — 12 years (plus 5 years of prior experience as an investment analyst for the fund)

Hilda L. Applbaum Partner – Capital World Investors Investment professional for 30 years in total; 22 years with Capital Research and Management Company or affiliate

Serves as an equity/fixed-income portfolio manager for: Global Balanced Fund — 6 years

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Portfolio manager for the Series/Title (if applicable)

Primary title with investment adviser (or affiliate) and investment experience

Portfolio manager’s role in management of, and experience in, the fund(s)

Pramod Atluri Vice President – Capital Fixed Income Investors Investment professional for 19 years in total; 1 year with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Bond Fund — 1 year

L. Alfonso Barroso Partner – Capital Research Global Investors Investment professional for 23 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: International Fund — 8 years

David J. Betanzos Partner – Capital Fixed Income Investors Investment professional for 17 years in total; 15 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Capital Income Builder — 3 years Mortgage Fund — 3 years U.S. Government/AAA-Rated Securities Fund — 2 years

Mark A. Brett Partner – Capital Fixed Income Investors Investment professional for 38 years in total; 24 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Global Balanced Fund — 6 years Global Bond Fund — 2 years

Christopher D. Buchbinder Partner – Capital Research Global Investors Investment professional for 22 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Blue Chip Income and Growth Fund — 10 years

J. David Carpenter Partner – Capital World Investors Investment professional for 23 years in total; 19 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Asset Allocation Fund — 4 years

Mark L. Casey Partner – Capital World Investors Investment professional for 17 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Growth Fund — Less than 1 year (plus 11 years of prior experience as an investment analyst for the fund)

Thomas H. Chow Vice President – Capital Fixed Income Investors Investment professional for 28 years in total; 2 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: High-Income Bond Fund — 2 years

Patrice Collette Partner – Capital World Investors Investment professional for 23 years in total, 17 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Growth Fund — 2 years (plus 14 years of prior experience as an investment analyst for the fund)

David A. Daigle Partner – Capital Fixed Income Investors Investment professional for 23 years, all with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Asset Allocation Fund — 8 years Global Bond Fund — 2 years High-Income Bond Fund — 8 years (plus 9 years of prior experience as an investment analyst for the fund)

Isabelle de Wismes Partner – Capital World Investors Investment professional for 33 years in total; 24 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Growth Fund — 5 years (plus 14 years of prior experience as an investment analyst for the fund)

Gerald Du Manoir Partner – Capital International Investors Investment professional for 27 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Capital Income Builder — Less than 1 year

Paul Flynn Partner – Capital World Investors Investment professional for 21 years in total; 19 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Growth Fund — Less than 1 year Global Balanced Fund — 4 years

J. Blair Frank Partner – Capital Research Global Investors Investment professional for 24 years in total; 23 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Small Capitalization Fund — 14 years Growth-Income Fund — 11 years

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Portfolio manager for the Series/Title (if applicable)

Primary title with investment adviser (or affiliate) and investment experience

Portfolio manager’s role in management of, and experience in, the fund(s)

Bradford F. Freer Partner – Capital World Investors Investment professional for 25 years in total; 23 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: New World Fund — Less than 1 year (plus 13 years of prior experience as an investment analyst for the fund) Global Growth and Income Fund — 3 years (plus 6 years of prior experience as an investment analyst for the fund)

Nicholas J. Grace Partner – Capital World Investors Investment professional for 27 years in total; 23 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: New World Fund — 5 years (plus 8 years of prior experience as an investment analyst for the fund) Global Growth and Income Fund — 1 year

David A. Hoag Partner – Capital Fixed Income Investors Investment professional for 29 years in total; 26 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Bond Fund — 10 years

Thomas H. Høgh Partner – Capital Fixed Income Investors Investment professional for 30 years in total; 27 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Global Bond Fund — 11 years

Claudia P. Huntington Partner – Capital Research Global Investors Investment professional for 44 years in total; 42 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Small Capitalization Fund — 4 years Growth-Income Fund — 23 years (plus 5 years of prior experience as an investment analyst for the fund)

Michael T. Kerr Partner – Capital World Investors Investment professional for 34 years in total; 32 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Growth Fund — 12 years

Jonathan Knowles Partner – Capital World Investors Investment professional for 25 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Growth Fund — 4 years (plus 10 years of prior experience as an investment analyst for the fund)

Lawrence Kymisis Partner – Capital Research Global Investors Investment professional for 22 years in total; 14 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Small Capitalization Fund — 5 years

Harold H. La Partner – Capital Research Global Investors Investment professional for 19 years in total; 18 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Small Capitalization Fund — 9 years (plus 4 years of prior experience as an investment analyst for the fund)

Jeffrey T. Lager Partner – Capital World Investors Investment professional for 22 years in total; 21 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Asset Allocation Fund — 10 years

James B. Lovelace Partner – Capital Research Global Investors Investment professional for 35 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Blue Chip Income and Growth Fund — 10 years

Jesper Lyckeus Partner – Capital Research Global Investors Investment professional for 22 years in total; 21 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: International Fund — 10 years (plus 8 years of prior experience as an investment analyst for the fund) International Growth and Income Fund — 9 years

Fergus N. MacDonald Partner – Capital Fixed Income Investors Investment professional for 25 years in total; 14 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Mortgage Fund — 6 years U.S. Government/AAA-Rated Securities Fund — 7 years

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Portfolio manager for the Series/Title (if applicable)

Primary title with investment adviser (or affiliate) and investment experience

Portfolio manager’s role in management of, and experience in, the fund(s)

James R. Mulally Partner – Capital Fixed Income Investors Investment professional for 41 years in total; 37 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Asset Allocation Fund — 11 years Ultra-Short Bond Fund — 1 year

Robert H. Neithart Partner – Capital Fixed Income Investors Investment professional for 30 years, all with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: New World Fund — 5 years (plus 2 years of prior experience as an investment analyst for the fund) Global Balanced Fund — 6 years Global Bond Fund — 4 years

Aidan O’Connell Partner – Capital Research Global Investors Investment professional for 19 years in total; 13 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Small Capitalization Fund — 3 years (plus 9 years of prior experience as an investment analyst for the fund)

John R. Queen Vice President – Capital Fixed Income Investors Investment professional for 26 years in total; 14 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: Asset Allocation Fund — 1 year

Andraz Razen Partner – Capital World Investors Investment professional for 19 years in total; 13 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Growth Fund — 4 years (plus 3 years of prior experience as an investment analyst for the fund)

David M. Riley Partner – Capital Research Global Investors Investment professional for 23 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: International Growth and Income Fund — 9 years

William L. Robbins Partner – Capital International Investors Investment professional for 25 years in total; 22 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Growth-Income Fund — 5 years (plus 12 years of prior experience as an investment analyst for the fund)

Martin Romo Partner – Capital World Investors Investment professional for 25 years in total; 24 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Growth Fund — 1 year (plus 15 years of prior experience as an investment analyst for the fund) Global Growth and Income Fund — 8 years (plus 1 year of prior experience as an investment analyst for the fund)

Andrew B. Suzman Partner – Capital World Investors Investment professional for 24 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Growth and Income Fund — 8 years

Tomonori Tani Partner – Capital World Investors Investment professional for 16 years in total; 13 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Balanced Fund — Less than 1 year

James Terrile Partner – Capital Research Global Investors Investment professional for 22 years in total; 21 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Blue Chip Income and Growth Fund — 5 years

Christopher Thomsen Partner – Capital Research Global Investors Investment professional for 20 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: International Fund — 11 years

Ritchie Tuazon Vice President – Capital Fixed Income Investors Investment professional for 17 years in total; 6 years with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: U.S. Government/AAA-Rated Securities Fund — 2 years

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Portfolio manager for the Series/Title (if applicable)

Primary title with investment adviser (or affiliate) and investment experience

Portfolio manager’s role in management of, and experience in, the fund(s)

Shannon Ward Vice President – Capital Fixed Income Investors Investment professional for 25 years in total; 1 year with Capital Research and Management Company or affiliate

Serves as a fixed-income portfolio manager for: High-Income Bond Fund — 1 year

Steven T. Watson Partner – Capital International Investors Investment professional for 30 years in total; 28 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Capital Income Builder — Less than 1 year

Gregory W. Wendt Partner – Capital Research Global Investors Investment professional for 30 years, all with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Global Small Capitalization Fund — 5 years (plus 14 years of prior experience as an investment analyst for the fund)

Alan J. Wilson Partner – Capital World Investors Investment professional for 32 years in total; 26 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Growth Fund — 3 years

Philip Winston Partner – Capital International Investors Investment professional for 32 years in total; 20 years with Capital Research and Management Company or affiliate

Serves as an equity portfolio manager for: Capital Income Builder — 3 years

Keep this supplement with your prospectus.

Lit. No. INA8BS-035-1217O CGD/8024-S64192