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FIVE Plus Case Study This hypothetical case study shows how the flexibility of Kansas City Life Insurance Company’s FIVE Plus variable annuity rider can provide clients with predictable, guaranteed withdrawals regardless whether their investments go up or down.

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After Quinn and his wife Barbara sat down with their representative, they learned that if Quinn structured a Kansas City Life Century II variable annuity with the FIVE Plus option, they will have a set amount of income at retirement if no withdrawals are made until then. The 5 percent FIVE Plus bonus will give Quinn’s account a chance to grow 50 percent within the first 10 years after the rider is issued. The step-up benefit gives his account the opportunity to rise much faster if his investments go up. Quinn’s account is tax-deferred until withdrawals start and, if he likes, Quinn could start taking lifetime withdrawals at age 65.

Quinn Age 55 10 years to retirement

How it works Quinn received a $200,000 inheritance from his grandfather. Because he has 10 years before retirement and other retirement assets, he has two goals for his inheritance: protecting his future income source from downturns while taking advantage of his investments increasing in value.

Quinn’s initial investment of $200,000 with FIVE Plus at issue, no additional desposits were made and withdrawals will begin year 11. $400,000 IN AN UP MARKET If Quinn’s contract value is more than the GWB value on any step-up dates, he can choose the automatic step-up of his GWB.

$300,000

$21,589 annually for life

$200,000 $15,000 annually for life

$100,000 IN A DOWN MARKET Income will continue for life even if contract value is depleted.

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Hypothetical contract value in an up market (8% annual net return) Hypothetical contract value in a down market (-8% annual net return) GWB including step-up impact in an up market For illustration purposes only. Hypothetical returns of examples do not reflect the performance of an actual investment. Values reflect hypothetical returns net of the deduction of contract fees and charges of the variable annuity, FIVE Plus benefit charges and underlying fund expenses. Withdrawal charges have not been deducted. Guarantees are based on the claims paying ability of Kansas City Life Insurance Company. The monthly charge for FIVE Plus is 0.079 percent (0.95 percent on an annual basis) of the GWB. Contact your registered representative or see the prospectus for more information about these optional guarantees.

Variable Product Series Building your future with a secure partner


This brochure is authorized for distribution only when preceded or accompanied by product and fund prospectuses. The prospectuses contain more complete information about the product including charges, limitations, expenses and investment options. As an investor, you should carefully consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. Read the prospectuses carefully before investing money. Additional prospectuses can be obtained from your registered representative or by calling our toll-free 1-800-616-3670. Variable annuities are long term investments designed for retirement. The value of the variable investment options will fluctuate and, when redeemed, may be worth more or less than the original cost. Withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. If withdrawals and other distributions are taken prior to age 59½, a 10 percent federal tax penalty may also apply. A withdrawal charge may also apply. Withdrawals will reduce the value of the death benefit and any optional benefits. FIVE Plus withdrawals are not annuity payouts until the settlement phase begins. Annuity payouts generally receive a more favorable tax treatment than other withdrawals. FIVE Plus bonuses are not treated as earnings but the rider charges will increase. Once the FIVE Plus is elected, it may not be canceled for five years after the rider effective date. Asset allocation matches risk to a portfolio. It does not guarantee future results, assure a profit or protect against loss. All guarantees made within this document are backed by the claims-paying ability of Kansas City Life and assume compliance to the FIVE Plus rules and conditions outlined in the product prospectus. The federal and state income tax laws in this area are complex and subject to change. Representations made herein are neither complete nor necessarily up to date. Neither Kansas City Life nor its representatives give tax or legal advice. You should consult your tax advisor or attorney for complete details. Kansas City Life is licensed to issue individual life insurance and annuity products in all states except New York and Vermont. Product availability and features may vary by state. Kansas City Life’s Century II Variable Product Series is distributed by Sunset Financial Services, Inc., Member FINRA and SIPC, a wholly owned subsidiary of Kansas City Life Insurance Company.

Kansas City Life Insurance Company Variable Administration Department P.O. Box 219364 Kansas City, Missouri 64121-9364 1-800-616-3670 8 a.m. — 4:15 p.m. Central Time Fax: 1-816-931-3585 E-mail: customerservice@kclife.com

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FIVE Plus GMWB Case Study - Quinn