THE KANSAS CITY LIFE GROUP OF COMPANIES Kansas City Life Insurance Company Old American Insurance Company Sunset Financial Services Inc.* Sunset Life Insurance Company of America Financial Ratings, evaluated by A.M. Best 4 Please refer to the Company’s Form 10-K and Proxy Statement as filed with the Securities  and Exchange Commission (SEC). *Securities offered through Sunset Financial Services Inc., 3520 Broadway, Kansas City, MO 64111,  816-753-7000. Member FINRA and SIPC. Kansas City Life Insurance Company: A (Excellent; Stable Outlook) Old American Insurance Company: B++ (Good; Stable Outlook) Sunset Life Insurance Company: A- (Excellent; Stable Outlook) These ratings represent A.M. Best’s opinion of the financial strength and stability of Kansas  City Life, Old American and Sunset Life Insurance Companies and each company’s ability to meet ongoing obligations to policyholders, as of June 2012. There are 16 financial strength ratings offered by A.M. Best, ranging from A++ (Superior) to F (In liquidation). Sunset Life Insurance Company of America ( www.sunsetlife.com ) was originally founded in  1937 in Olympia, Wash. Kansas City Life purchased Sunset Life in 1974 and its operations  were consolidated into the Company’s Home Office in 1999. The Sunset Life sales force was  integrated into the Kansas City Life sales force in 2006. Sunset Financial Services ( www.sunsetfinancial.com ) is a full-service broker/dealer and registered  investment advisor. Sunset Financial Services’ registered representatives are also licensed with  Kansas City Life. Investment products offered include variable insurance products, mutual  funds, stocks and bonds, money market funds, CDs and asset management products. Since 1939, the mission of Old American Insurance Company ( www.oaic.com ) has been  to provide peace of mind to the senior market and, in turn, enhance the quality of life for  policyholders and their beneficiaries. Agents assist individuals ages 50 to 85 through final  arrangements planning, charitable giving life insurance, and Social Security and retirement  income replacement insurance. In addition, Old American began targeting individuals ages 20 to 65 in 2009 with its Level Term 20 life insurance product. The subsidiary operates in 47 states and the District of Columbia. Since 1895, Kansas City Life Insurance Company ( www.kclife.com ) has been dedicated to  the present and future financial security of its customers. Kansas City Life provides financial  services, including life insurance and investments, to consumers throughout 48 states and  the District of Columbia. More than 2,500 general agents and agents serve individuals,  families, small businesses and corporations with a diverse range of products including  universal life, term life, whole life, variable life insurance,* variable annuities,* fixed deferred  annuities and group products. Kansas City Life has been providing Security Assured for  more than 117 years.