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Rider choices to fit your needs and lifestyle. At a competitive cost, you can enhance your coverage by adding one or more of the following riders to your return of premium life insurance coverage. • Accidental Death Benefit Provides an additional death benefit in the event of accidental death. Benefit maximum is equal to initial face amount. Issue age range is age 20 to 50. • Children’s or Spouse Term Insurance You can add decreasing term life coverage for your spouse or level term for children up to age 25 at a very affordable premium. • Terminal Illness Rider If diagnosed with a terminal illness, you may receive an accelerated death benefit. Benefit maximum is 50 percent of the policy’s face amount. Can be added at issue or any time after issue. No premiums or costs for this rider. • Waiver of Premium Waives the premium during a period of total disability when the disability occurs before age 60 and exceeds six consecutive months.

The right protection from the right company. If you value stability, you can take comfort in knowing that Kansas City Life has a proud tradition of assuring security since 1895. Our reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make – and we have for more than a century. Our financial strength and commitment to our policyholders are reflected in our strong rating from one of the insurance industry’s most respected analyst, A.M. Best. You can count on us to be here when you need us – now and in the years to come. Act now to help ensure your family’s future. There’s no better time than right now to take action. Contact your representative today and ask how we can help assure your future financial strength. The coverage described in this brochure is for Cashback Life 30, a product of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.) Policy form J183; rider forms R214 (WP), R102 (ADB), R210 (STI), R207(CTI) and R195 (TIR). Form numbers may differ by state. The Cashback Life 30 may not be available in all states.

K a n s a s C i t y L i f e I n s u r a n c e C o m pa n y

Cashback Life 30 Return of Premium

Premiums paid for rider benefits or substandard ratings are not included in the return of premium calculation. Cash value at end of 30 years equals all premiums paid for base coverage only. 2020

3520 Broadway Kansas City, MO 64111 816-753-7000 www.kclife.com

Life Insurance

5.10S


Like most smart consumers you know life insurance is one of the best ways to ensure your family’s dreams are protected. But what kind of life insurance? Although term insurance is considered the lowest cost life insurance, many consumers feel term insurance is a waste of money if they outlive the coverage. And permanent insurance can sometimes be more than your current budget allows. Kansas City Life’s Cashback Life 30 allows you many options you won’t find with traditional term insurance. With our return of premium life policy, you can provide solid life insurance protection for your family with the guaranteed death benefit. If you outlive your policy, you get something tangible back – the return of all premiums paid – when the level term period is up. Protection and the return of your premiums. Cashback Life from Kansas City Life Insurance Company makes sense.

Life insurance that can return premiums. You’ll find real value in Kansas City Life’s Cashback Life 30. Take a look at all you can enjoy: • Affordable premiums that are guaranteed in all years and remain level for 30 years. • 100 percent of premiums are guaranteed to be available to you at the end of 30 years if still living.* • Privileges that allow you to convert** your plan to an eligible Kansas City Life permanent life insurance policy regardless of your health at the time of conversion. • Flexible premium payment schedules. You can choose annual, semi-annual, quarterly or monthly billing. Or you can pay your premiums automatically each month from your checking account. • Option for requalification after 10 years. • Renewable coverage up to age 95. • Availability of policy loans.

*Excludes riders and substandard premiums. **Convertibility is the earlier of the policy anniversary nearest the insured’s 65th birthday or the 20th policy anniversary. No conversion credit – other than cash value – is available.

Better than term What if you bought term insurance and saved the difference? Let’s review how much tax-free money a healthy, 30-year-old male could be paid back if he covered his life for $250,000 with Cashback Life 30. Your representative can furnish you with quotes for your age, coverage amount and tobacco user status. This example assumes standard nontobacco and a 30 percent tax bracket. The before tax return may be higher or lower based on age, gender and rate class.

$250,000 Insurance Policy Level 30 Term Insurance

Cashback Life 30

Difference

$50 $67 monthly $17 monthly premium premium If still living in 30 years, receives $0.

If still living in 30 years, receives $24,120 tax-free.

This means a 11.44% return.

Although the 30 year old above may have paid more for his Cashback Life 30 policy than the level 30 term insurance, with the Cashback Life 30 he was able to make a return on that money if he outlives his policy.


Like most smart consumers you know life insurance is one of the best ways to ensure your family’s dreams are protected. But what kind of life insurance? Although term insurance is considered the lowest cost life insurance, many consumers feel term insurance is a waste of money if they outlive the coverage. And permanent insurance can sometimes be more than your current budget allows. Kansas City Life’s Cashback Life 30 allows you many options you won’t find with traditional term insurance. With our return of premium life policy, you can provide solid life insurance protection for your family with the guaranteed death benefit. If you outlive your policy, you get something tangible back – the return of all premiums paid – when the level term period is up. Protection and the return of your premiums. Cashback Life from Kansas City Life Insurance Company makes sense.

Life insurance that can return premiums. You’ll find real value in Kansas City Life’s Cashback Life 30. Take a look at all you can enjoy: • Affordable premiums that are guaranteed in all years and remain level for 30 years. • 100 percent of premiums are guaranteed to be available to you at the end of 30 years if still living.* • Privileges that allow you to convert** your plan to an eligible Kansas City Life permanent life insurance policy regardless of your health at the time of conversion. • Flexible premium payment schedules. You can choose annual, semi-annual, quarterly or monthly billing. Or you can pay your premiums automatically each month from your checking account. • Option for requalification after 10 years. • Renewable coverage up to age 95. • Availability of policy loans.

*Excludes riders and substandard premiums. **Convertibility is the earlier of the policy anniversary nearest the insured’s 65th birthday or the 20th policy anniversary. No conversion credit – other than cash value – is available.

Better than term What if you bought term insurance and saved the difference? Let’s review how much tax-free money a healthy, 30-year-old male could be paid back if he covered his life for $250,000 with Cashback Life 30. Your representative can furnish you with quotes for your age, coverage amount and tobacco user status. This example assumes standard nontobacco and a 30 percent tax bracket. The before tax return may be higher or lower based on age, gender and rate class.

$250,000 Insurance Policy Level 30 Term Insurance

Cashback Life 30

Difference

$50 $67 monthly $17 monthly premium premium If still living in 30 years, receives $0.

If still living in 30 years, receives $24,120 tax-free.

This means a 11.44% return.

Although the 30 year old above may have paid more for his Cashback Life 30 policy than the level 30 term insurance, with the Cashback Life 30 he was able to make a return on that money if he outlives his policy.


Like most smart consumers you know life insurance is one of the best ways to ensure your family’s dreams are protected. But what kind of life insurance? Although term insurance is considered the lowest cost life insurance, many consumers feel term insurance is a waste of money if they outlive the coverage. And permanent insurance can sometimes be more than your current budget allows. Kansas City Life’s Cashback Life 30 allows you many options you won’t find with traditional term insurance. With our return of premium life policy, you can provide solid life insurance protection for your family with the guaranteed death benefit. If you outlive your policy, you get something tangible back – the return of all premiums paid – when the level term period is up. Protection and the return of your premiums. Cashback Life from Kansas City Life Insurance Company makes sense.

Life insurance that can return premiums. You’ll find real value in Kansas City Life’s Cashback Life 30. Take a look at all you can enjoy: • Affordable premiums that are guaranteed in all years and remain level for 30 years. • 100 percent of premiums are guaranteed to be available to you at the end of 30 years if still living.* • Privileges that allow you to convert** your plan to an eligible Kansas City Life permanent life insurance policy regardless of your health at the time of conversion. • Flexible premium payment schedules. You can choose annual, semi-annual, quarterly or monthly billing. Or you can pay your premiums automatically each month from your checking account. • Option for requalification after 10 years. • Renewable coverage up to age 95. • Availability of policy loans.

*Excludes riders and substandard premiums. **Convertibility is the earlier of the policy anniversary nearest the insured’s 65th birthday or the 20th policy anniversary. No conversion credit – other than cash value – is available.

Better than term What if you bought term insurance and saved the difference? Let’s review how much tax-free money a healthy, 30-year-old male could be paid back if he covered his life for $250,000 with Cashback Life 30. Your representative can furnish you with quotes for your age, coverage amount and tobacco user status. This example assumes standard nontobacco and a 30 percent tax bracket. The before tax return may be higher or lower based on age, gender and rate class.

$250,000 Insurance Policy Level 30 Term Insurance

Cashback Life 30

Difference

$50 $67 monthly $17 monthly premium premium If still living in 30 years, receives $0.

If still living in 30 years, receives $24,120 tax-free.

This means a 11.44% return.

Although the 30 year old above may have paid more for his Cashback Life 30 policy than the level 30 term insurance, with the Cashback Life 30 he was able to make a return on that money if he outlives his policy.


Rider choices to fit your needs and lifestyle. At a competitive cost, you can enhance your coverage by adding one or more of the following riders to your return of premium life insurance coverage. • Accidental Death Benefit Provides an additional death benefit in the event of accidental death. Benefit maximum is equal to initial face amount. Issue age range is age 20 to 50. • Children’s or Spouse Term Insurance You can add decreasing term life coverage for your spouse or level term for children up to age 25 at a very affordable premium. • Terminal Illness Rider If diagnosed with a terminal illness, you may receive an accelerated death benefit. Benefit maximum is 50 percent of the policy’s face amount. Can be added at issue or any time after issue. No premiums or costs for this rider. • Waiver of Premium Waives the premium during a period of total disability when the disability occurs before age 60 and exceeds six consecutive months.

The right protection from the right company. If you value stability, you can take comfort in knowing that Kansas City Life has a proud tradition of assuring security since 1895. Our reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make – and we have for more than a century. Our financial strength and commitment to our policyholders are reflected in our strong rating from one of the insurance industry’s most respected analyst, A.M. Best. You can count on us to be here when you need us – now and in the years to come. Act now to help ensure your family’s future. There’s no better time than right now to take action. Contact your representative today and ask how we can help assure your future financial strength. The coverage described in this brochure is for Cashback Life 30, a product of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.) Policy form J183; rider forms R214 (WP), R102 (ADB), R210 (STI), R207(CTI) and R195 (TIR). Form numbers may differ by state. The Cashback Life 30 may not be available in all states.

K a n s a s C i t y L i f e I n s u r a n c e C o m pa n y

Cashback Life 30 Return of Premium

Premiums paid for rider benefits or substandard ratings are not included in the return of premium calculation. Cash value at end of 30 years equals all premiums paid for base coverage only. 2020

3520 Broadway Kansas City, MO 64111 816-753-7000 www.kclife.com

Life Insurance

5.10S


Rider choices to fit your needs and lifestyle. At a competitive cost, you can enhance your coverage by adding one or more of the following riders to your return of premium life insurance coverage. • Accidental Death Benefit Provides an additional death benefit in the event of accidental death. Benefit maximum is equal to initial face amount. Issue age range is age 20 to 50. • Children’s or Spouse Term Insurance You can add decreasing term life coverage for your spouse or level term for children up to age 25 at a very affordable premium. • Terminal Illness Rider If diagnosed with a terminal illness, you may receive an accelerated death benefit. Benefit maximum is 50 percent of the policy’s face amount. Can be added at issue or any time after issue. No premiums or costs for this rider. • Waiver of Premium Waives the premium during a period of total disability when the disability occurs before age 60 and exceeds six consecutive months.

The right protection from the right company. If you value stability, you can take comfort in knowing that Kansas City Life has a proud tradition of assuring security since 1895. Our reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make – and we have for more than a century. Our financial strength and commitment to our policyholders are reflected in our strong rating from one of the insurance industry’s most respected analyst, A.M. Best. You can count on us to be here when you need us – now and in the years to come. Act now to help ensure your family’s future. There’s no better time than right now to take action. Contact your representative today and ask how we can help assure your future financial strength. The coverage described in this brochure is for Cashback Life 30, a product of Kansas City Life Insurance Company (Home Office: Kansas City, Mo.) Policy form J183; rider forms R214 (WP), R102 (ADB), R210 (STI), R207(CTI) and R195 (TIR). Form numbers may differ by state. The Cashback Life 30 may not be available in all states.

K a n s a s C i t y L i f e I n s u r a n c e C o m pa n y

Cashback Life 30 Return of Premium

Premiums paid for rider benefits or substandard ratings are not included in the return of premium calculation. Cash value at end of 30 years equals all premiums paid for base coverage only. 2020

3520 Broadway Kansas City, MO 64111 816-753-7000 www.kclife.com

Life Insurance

5.10S

Cashback Life 30 Consumer Brochure  

Cashback Life 30 Consumer Brochure

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