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.

Proﬁle

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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

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

1.09m

5821

Flexible

Predictable

Guaranteed

FIVE Plus GMWB Case Study - Quinn

FIVE Plus GMWB Case Study - Quinn