ELB Consumer Brochure

Securing independence The ELB rider was designed to access the life insurance proceeds of a UL policy to pay for unexpected expenses.

That’s not all it can do for you. Many of today’s preretirees and retirees are very concerned about maintaining their independence and not burdening their family with their care.

If you, your spouse or family member need long-term care, the costs can deplete more than your hard-earned assets. Without long-term care protection, the financial and emotional burden of caring for you can fall to your family.

The right protection from the right company You can take comfort in knowing that your coverage is backed by a company in business since 1895. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make – as we have for more than 115 years. You can count on us to be here when you need us – now and in the years to come.

The coverage described is for the Enhanced Living Benefits rider from Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Rider form R203, R204, R223 or R224. Form number may differ by state. Coverage may not be available in all states.

Security Assured.TM

There’s no better time than now to take action. Contact your Kansas City Life representative about how our Enhanced Living Benefits rider can help ensure your future.

3520 Broadway Kansas City, MO 64111 816-753-7299 www.kclife.com 2002

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

Enhanced Living Benefits Rider

A benefit to preserve assets and secure independence

5.12S

Protecting your assets and providing independence No one can predict the future, but an unexpected illness or injury can result in expensive care that can significantly erode your assets or rob you of your independence.

Kansas City Life Insurance Company understands the importance of preparing for such a situation – no matter what your age.

When you combine our innovative Enhanced Living Benefits (ELB) rider with an eligible Kansas City Life universal life (UL) or variable universal life (VUL) insurance policy, you receive protection for these unexpected expenses by gaining access to your life insurance proceeds as a living benefit 1.

That means a portion of your life insurance death benefit is prepaid when a qualifying condition triggers benefit payments. This allows you to protect your hard-earned assets and live the way you desire.

Questions to ask yourself: n How likely is it I may need care for a year or more during my lifetime? n Do I want to be dependent on government assistance? n Do I want to be dependent on my children or other relatives for care? n Would I be comfortable liquidating my assets to pay for care?

An innovative benefit designed to protect against the high cost of long-term care For a fraction of what a stand-alone long-term care policy would cost, you can secure your family’s assets with protection from Kansas City Life.

This valuable protection is available as a rider attached to some of our UL and VUL products. The ELB rider allows for a prepayment of a portion of the death benefit if you qualify under either or both of the following triggers: n You must reside in and receive care from an eligible nursing home. n You must be certified by a licensed physician as being permanently unable to perform, without substantial assistance, at least two of the six activities of daily living or require supervision because of permanent, severe cognitive impairment. You must be receiving health care assistance at least two times per week. n The availability and specific details of the benefit triggers described above may vary by state.

The six activities of daily living (ADL) are: Bathing – Washing oneself by sponge bath or in either a tub or shower, including the task of getting into or out of the tub or shower.

Continence – The ability to maintain control of bowel and bladder function.

When unable to maintain control, the ability to perform associated personal

hygiene including care of catheter or colostomy bag.

Dressing – Putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs.

Eating – Feeding oneself by getting food into the body from a receptacle such as a plate, cup or table or by a feeding tube or intravenously.

Toileting – Getting to and from the toilet, getting on and off the toilet and performing associated personal hygiene.

Transferring – Moving into or out of bed, chair or wheelchair.

Payments can be made under both triggers concurrently if you qualify under both triggers. And if you never need such care, all life insurance proceeds remain for your beneficiary.

The need for long-term care usually arises from age or chronic illness, injury or disability. One out of five Americans over the age of 50 is at risk of needing long-term care in the next 12 months.2 Benefits may be taxable. Receipt of benefits, or even the fact that a policy with this type of rider is owned, may affect Medicaid and Supplemental Security Income (SSI) eligibility. As with all taxable matters, consult with your tax advisor to determine the tax consequences prior to electing to receive benefits.

1The ELB rider is not a long-term care, nursing home or health insurance policy.

2National Association of Insurance and Financial

Advisors (NAIFA). Long Term Care Guide, 2011, http://www.naifa.org/consumer/health/guide_ltc.cfm

Protecting your assets and providing independence No one can predict the future, but an unexpected illness or injury can result in expensive care that can significantly erode your assets or rob you of your independence.

Kansas City Life Insurance Company understands the importance of preparing for such a situation – no matter what your age.

When you combine our innovative Enhanced Living Benefits (ELB) rider with an eligible Kansas City Life universal life (UL) or variable universal life (VUL) insurance policy, you receive protection for these unexpected expenses by gaining access to your life insurance proceeds as a living benefit 1.

That means a portion of your life insurance death benefit is prepaid when a qualifying condition triggers benefit payments. This allows you to protect your hard-earned assets and live the way you desire.

Questions to ask yourself: n How likely is it I may need care for a year or more during my lifetime? n Do I want to be dependent on government assistance? n Do I want to be dependent on my children or other relatives for care? n Would I be comfortable liquidating my assets to pay for care?

An innovative benefit designed to protect against the high cost of long-term care For a fraction of what a stand-alone long-term care policy would cost, you can secure your family’s assets with protection from Kansas City Life.

This valuable protection is available as a rider attached to some of our UL and VUL products. The ELB rider allows for a prepayment of a portion of the death benefit if you qualify under either or both of the following triggers: n You must reside in and receive care from an eligible nursing home. n You must be certified by a licensed physician as being permanently unable to perform, without substantial assistance, at least two of the six activities of daily living or require supervision because of permanent, severe cognitive impairment. You must be receiving health care assistance at least two times per week. n The availability and specific details of the benefit triggers described above may vary by state.

The six activities of daily living (ADL) are: Bathing – Washing oneself by sponge bath or in either a tub or shower, including the task of getting into or out of the tub or shower.

Continence – The ability to maintain control of bowel and bladder function.

When unable to maintain control, the ability to perform associated personal

hygiene including care of catheter or colostomy bag.

Dressing – Putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs.

Eating – Feeding oneself by getting food into the body from a receptacle such as a plate, cup or table or by a feeding tube or intravenously.

Toileting – Getting to and from the toilet, getting on and off the toilet and performing associated personal hygiene.

Transferring – Moving into or out of bed, chair or wheelchair.

Payments can be made under both triggers concurrently if you qualify under both triggers. And if you never need such care, all life insurance proceeds remain for your beneficiary.

The need for long-term care usually arises from age or chronic illness, injury or disability. One out of five Americans over the age of 50 is at risk of needing long-term care in the next 12 months.2 Benefits may be taxable. Receipt of benefits, or even the fact that a policy with this type of rider is owned, may affect Medicaid and Supplemental Security Income (SSI) eligibility. As with all taxable matters, consult with your tax advisor to determine the tax consequences prior to electing to receive benefits.

1The ELB rider is not a long-term care, nursing home or health insurance policy.

2National Association of Insurance and Financial

Advisors (NAIFA). Long Term Care Guide, 2011, http://www.naifa.org/consumer/health/guide_ltc.cfm

Protecting your assets and providing independence No one can predict the future, but an unexpected illness or injury can result in expensive care that can significantly erode your assets or rob you of your independence.

Kansas City Life Insurance Company understands the importance of preparing for such a situation – no matter what your age.

When you combine our innovative Enhanced Living Benefits (ELB) rider with an eligible Kansas City Life universal life (UL) or variable universal life (VUL) insurance policy, you receive protection for these unexpected expenses by gaining access to your life insurance proceeds as a living benefit 1.

That means a portion of your life insurance death benefit is prepaid when a qualifying condition triggers benefit payments. This allows you to protect your hard-earned assets and live the way you desire.

Questions to ask yourself: n How likely is it I may need care for a year or more during my lifetime? n Do I want to be dependent on government assistance? n Do I want to be dependent on my children or other relatives for care? n Would I be comfortable liquidating my assets to pay for care?

An innovative benefit designed to protect against the high cost of long-term care For a fraction of what a stand-alone long-term care policy would cost, you can secure your family’s assets with protection from Kansas City Life.

This valuable protection is available as a rider attached to some of our UL and VUL products. The ELB rider allows for a prepayment of a portion of the death benefit if you qualify under either or both of the following triggers: n You must reside in and receive care from an eligible nursing home. n You must be certified by a licensed physician as being permanently unable to perform, without substantial assistance, at least two of the six activities of daily living or require supervision because of permanent, severe cognitive impairment. You must be receiving health care assistance at least two times per week. n The availability and specific details of the benefit triggers described above may vary by state.

The six activities of daily living (ADL) are: Bathing – Washing oneself by sponge bath or in either a tub or shower, including the task of getting into or out of the tub or shower.

Continence – The ability to maintain control of bowel and bladder function.

When unable to maintain control, the ability to perform associated personal

hygiene including care of catheter or colostomy bag.

Dressing – Putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs.

Eating – Feeding oneself by getting food into the body from a receptacle such as a plate, cup or table or by a feeding tube or intravenously.

Toileting – Getting to and from the toilet, getting on and off the toilet and performing associated personal hygiene.

Transferring – Moving into or out of bed, chair or wheelchair.

Payments can be made under both triggers concurrently if you qualify under both triggers. And if you never need such care, all life insurance proceeds remain for your beneficiary.

The need for long-term care usually arises from age or chronic illness, injury or disability. One out of five Americans over the age of 50 is at risk of needing long-term care in the next 12 months.2 Benefits may be taxable. Receipt of benefits, or even the fact that a policy with this type of rider is owned, may affect Medicaid and Supplemental Security Income (SSI) eligibility. As with all taxable matters, consult with your tax advisor to determine the tax consequences prior to electing to receive benefits.

1The ELB rider is not a long-term care, nursing home or health insurance policy.

2National Association of Insurance and Financial

Advisors (NAIFA). Long Term Care Guide, 2011, http://www.naifa.org/consumer/health/guide_ltc.cfm

Securing independence The ELB rider was designed to access the life insurance proceeds of a UL policy to pay for unexpected expenses.

That’s not all it can do for you. Many of today’s preretirees and retirees are very concerned about maintaining their independence and not burdening their family with their care.

If you, your spouse or family member need long-term care, the costs can deplete more than your hard-earned assets. Without long-term care protection, the financial and emotional burden of caring for you can fall to your family.

The right protection from the right company You can take comfort in knowing that your coverage is backed by a company in business since 1895. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make – as we have for more than 115 years. You can count on us to be here when you need us – now and in the years to come.

The coverage described is for the Enhanced Living Benefits rider from Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Rider form R203, R204, R223 or R224. Form number may differ by state. Coverage may not be available in all states.

Security Assured.TM

There’s no better time than now to take action. Contact your Kansas City Life representative about how our Enhanced Living Benefits rider can help ensure your future.

3520 Broadway Kansas City, MO 64111 816-753-7299 www.kclife.com 2002

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

Enhanced Living Benefits Rider

A benefit to preserve assets and secure independence

5.12S

Securing independence The ELB rider was designed to access the life insurance proceeds of a UL policy to pay for unexpected expenses.

That’s not all it can do for you. Many of today’s preretirees and retirees are very concerned about maintaining their independence and not burdening their family with their care.

If you, your spouse or family member need long-term care, the costs can deplete more than your hard-earned assets. Without long-term care protection, the financial and emotional burden of caring for you can fall to your family.

The right protection from the right company You can take comfort in knowing that your coverage is backed by a company in business since 1895. Kansas City Life’s reputation is built on integrity, sound investment strategies and honest business practices. We stand behind every promise we make – as we have for more than 115 years. You can count on us to be here when you need us – now and in the years to come.

The coverage described is for the Enhanced Living Benefits rider from Kansas City Life Insurance Company (Home Office: Kansas City, Mo.). Rider form R203, R204, R223 or R224. Form number may differ by state. Coverage may not be available in all states.

Security Assured.TM

There’s no better time than now to take action. Contact your Kansas City Life representative about how our Enhanced Living Benefits rider can help ensure your future.

3520 Broadway Kansas City, MO 64111 816-753-7299 www.kclife.com 2002

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

Enhanced Living Benefits Rider

A benefit to preserve assets and secure independence

5.12S