Kansas City Life Insurance Company


                         Additional Life Insurance Rider

The Benefit
Kansas City Life  Insurance  Company will increase the  specified  amount of the
contract by the Additional Life Insurance Rider specified  amount in calculating
the Insured's death benefit as provided in the Proceeds section of the contract.
We will pay this amount to the beneficiary upon receiving proof of the Insured's
death on or before the expiration date and while this rider is in force.

The  specified  amount  provided  by this rider is shown in Section 1,  Contract
Data, of the contract.

Cost of Insurance
The cost of  insurance  for this rider is as provided  in the Cost of  Insurance
provision of the contract.  The Additional Life Insurance Rider specified amount
is treated as an increase in the  specified  amount of the contract as described
in the Contract Change Provision section of the contract.

Monthly Cost of Insurance
The monthly cost of insurance rates used in calculating the cost of insurance on
each monthly anniversary day are based on the Insured's age, number of completed
contract years, sex and risk class on each monthly anniversary day.

The  cost  of  insurance  rates  used  will be  determined  by us  based  on our
expectations as to future mortality  experience.  Any change in the current cost
of insurance rates will be on a uniform basis for Insureds of the same age, sex,
and risk class  whose  riders  have been in force the same  length of time.  The
current  cost of  insurance  rates will  never be  increased  to recover  losses
incurred,  or decreased so as to distribute  gains  realized by us, prior to the
change.

The cost of  insurance  rates  used  will  not  exceed  those  shown in Table D,
Guaranteed  Monthly Cost of Insurance  Rates,  of the contract.  The  guaranteed
maximum  cost of  insurance  rates for  special  risk  classes  will be adjusted
appropriately.

Ownership
Unless  otherwise  provided,  the owner of this  rider  will be the owner of the
contract.

Beneficiary
Death proceeds for this rider will be paid,  unless otherwise  provided,  to the
beneficiary as specified in the contract.

Suicide
If the Insured  dies by suicide,  while sane or insane,  within two years of the
effective  date of this  rider,  the  amount  payable by us will be equal to the
total cost of insurance and any expense charges associated with this rider.

If the Insured dies by suicide, while sane or insane, within two years after the
effective  date of any increase in the  specified  amount under this rider,  the
amount  payable by us associated  with such increase will be limited to the cost
of insurance and any expense charges associated with such increase.

Incontestability
We cannot  contest  this rider after it has been in force  during the  Insured's
lifetime for two years from the effective date.

Any increase in the  specified  amount for the Insured under this rider will not
be  contested  after the  increase  has been in force during the lifetime of the
Insured for two years following the effective date of the increase.

Age and Sex
If, while this rider is in force and the Insured is alive, it is determined that
the age or sex of the Insured has been incorrectly stated, the contract value of
the contract will be adjusted by the difference in the cost of insurance charged
for this rider and the cost of insurance  which should have been charged for the
correct age or sex, accumulated at the fixed account guaranteed interest rate.

If,  after  the  death  of the  Insured  while  this  rider is in  force,  it is
determined that the age or sex of the Insured is not correct,  the death benefit
will be that which  would be  purchased  by the most  recent  cost of  insurance
charge at the correct age or sex.

Supplemental Benefits
If additions are made to the contract value of the contract due to the Insured's
total  disability in accordance  with the  Disability  Continuance  of Insurance
Rider, the cost of any benefits provided by this rider will also be added to the
contract value.

The  terms  of the  Insured's  Accidental  Death  Rider,  if any,  apply  to the
specified  amount under this rider if an accidental  death  specified  amount is
shown separately for this rider in Section 1, Contract Data, of the contract.

General Provisions
The following provisions apply to this rider:

     (1)  this rider is made a part of the contract to which it is attached;

     (2)  this term insurance is subject to all the provisions of this rider and
          the applicable contract provisions;

     (3)  the effective date of this rider is specified in the rider description
          in Section 1, Contract Data, of the contract;

     (4)  this rider is nonparticipating.  It will not participate in any of our
          profits, losses or surplus earnings;

     (5)  this rider does not provide for cash or loan values; and

     (6)  the expiration  date of this rider is the contract's  maturity date as
          shown in Section 1, Contract Data, of the contract.

Cancellation
You may cancel this rider on any monthly  anniversary  day. Your request must be
in  writing  and filed  with us prior to the  monthly  anniversary  day.  We may
require that the contract be submitted for endorsement to show the cancellation.

Termination of Rider
This rider terminates on the earliest of:

     (1) the date the contract terminates for any reason;

     (2) the date this rider is canceled by you;

     (3) the expiration date of this rider.


Signed for Kansas City Life  Insurance  Company,  a stock  company,  at its Home
Office, 3520 Broadway, P.O. Box 219139 Kansas City, Missouri .64121-9139



           C. John Malacarne                         R. Philip Bixby

               Secretary                                  President