Kansas City Life Insurance Company http://www.alacrastore.com/company-snapshot/Kansas_City_Life_Insurance_Company-512601 Saturday, August 30, 2008 12:08:30 AM 512601 Kansas City Life Insurance Company en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/storecontent/fitch/424862_pr_framefitch/424862_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. 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(collectively, KCL) are based on KCL's very strong consolidated capital position, current strong earnings performance, strong liquidity, and high-quality asset portfolio management. Financial flexibility remains strong, with several sources of capital available as needed. Offsetting these strengths are the company's declining competitive position and increasing risk profile. In recent years, KCL has reported a lack of consistent revenue growth in its core life and annuity lines of business sufficient to offset expected surrenders in its closed blocks of business. In addition, the company's risk profile has increased with the addition of guaranteed living benefits to its variable products in the thirdUSA48483640301020 403010 4030 40Kansas City Life Insurance Co.120579USAKCLISUMMARYUSA86774840301020 403010 4030 40Sunset Life Insurance Co. of America121406USA5110ZGLOBISSSTRUCINSCMBSCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/631740spcred/631740normThe latest Full Report from S&P2/20/2008 10:26:00 PMFull Report400globalstructured631740United StatesLife & Health InsuranceUnited StatesGlobal IssuersStructured FinanceInsuranceCommercial MBSFull ReportExtremely strong capitalization. Strong operating performance, although recent trends have been declining, with heavy reliance on closed blocks. Strong commercial mortgage initiation and credit management. Challenges in producing consistent growth in overall revenues, particularly from core life sales. Increasing dependence on closed-block annuities without surrender charges contributes to a trend of increasing negative general-account cash flows. Increasing risk assumption in shifting product mix. The insurer financial strength ratings on Kansas City Life Insurance Co. and its core subsidiary Sunset Life Insurance Co. (collectively, KCL) are based on KCL's very strong consolidated capital position, current strong earnings performance, strong liquidity, and high-quality asset portfolio management. Financial flexibility remains strong, with several sources of capital available as needed. Offsetting these strengths areUSA48483640301020 403010 4030 40Kansas City Life Insurance Co.120579USAKCLIFULLUSA86774840301020 403010 4030 40Sunset Life Insurance Co. of America121406USA5110ZGLOBISSSTRUCINSCMBSCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/627380spcred/627380normThe latest News from S&P1/24/2008 2:54:33 PMNews100structuredglobal627380United StatesLife & Health InsuranceUnited StatesStructured FinanceGlobal IssuersInsuranceCommercial MBSNewsNEW YORK (Standard&Poor's) Jan. 24, 2008--Standard&Poor's Ratings Services said today that it lowered its counterparty credit and financial strength ratings on Kansas City Life Insurance Co. and its core subsidiary Sunset Life Insurance Co. of America (collectively, KCL) to 'A' from 'A+'. At the same time, Standard&Poor's lowered its counterparty credit and financial strength ratings on KCL's final expense subsidiary, Old American Insurance Co., which is considered strategically important, to 'A-' from 'A'. The outlook for all the companies is stable. "The rating changes are based on the company's declining competitive position and increasing risk profile," said Standard&Poor's credit analyst Kevin Maher. "In recent years, KCL has reported a lack of consistentUSA48483640301020 403010 4030 40Kansas City Life Insurance Co.120579USAKCLINEWSUSA67950#86774840301020 403010 4030 40Old American Insurance Co.Sunset Life Insurance Co. of America121406121407USA5111Z5110ZSTRUCGLOBISSINSCMBSCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/627381spcred/627381normThe latest Research Update from S&P1/24/2008 2:54:33 PMResearch Update175globalstructured627381United StatesLife & Health InsuranceUnited StatesGlobal IssuersStructured FinanceInsuranceCommercial MBSResearch UpdateOn Jan. 24, 2008, Standard&Poor's Ratings Services lowered its counterparty credit and financial strength ratings on Kansas City Life Insurance Co. and its core subsidiary Sunset Life Insurance Co. (collectively, KCL) to 'A' from 'A+'. At the same time, Standard&Poor's lowered its counterparty credit and financial strength ratings on KCL's final expense subsidiary, Old American Insurance Co., which is considered strategically important, to 'A-' from 'A'. The outlook for all the companies is stable. The rating changes are based on the company's declining competitive position and increasing risk profile. In recent years, KCL has reported a lack of consistent revenue growth in its core life and annuity lines of business sufficient to offset expected surrenders inUSA48483640301020 403010 4030 40Kansas City Life Insurance Co.120579USAKCLIRESUPDUSA67950#86774840301020 403010 4030 40Old American Insurance Co.Sunset Life Insurance Co. of America121406121407USA5111Z5110ZGLOBISSSTRUCINSCMBSCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/moodys/INS_600012090moodys/INS_600012090htmlGlobal Credit Research Insurance Statistics ## JUN #### Insurance Statistics: Kansas City Life Insurance Company Kansas City Life Insurance Company Financial Strength rating: &#### #### #### #### #### #### Company Fundamentals ($mil):...1/3/2008 8:05:00 PMhtmlKansas City Life Insurance CompanyKansas City Life Insurance Company600012090300.0000AnalysisInsurance StatisticsINS_600012090Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/moodys/SO_600012090moodys/SO_600012090htmlSummary Opinion12/21/2007 5:00:09 AMGlobal Credit Research Summary Opinion ## DEC #### Summary Opinion: Kansas City Life Insurance Company Kansas City Life Insurance Company Kansas City, Missouri, United States Ratings and Contacts Category Moody's Rating Insurance Financial...Kansas City Life Insurance Company600012090150.00NewshtmlKansas City Life Insurance CompanySO_600012090Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/moodys/OU_600012090moodys/OU_600012090htmlOpinion Update12/21/2007 4:54:48 AMGlobal Credit Research Opinion Update # DEC #### Opinion Update: Kansas City Life Insurance Company Kansas City Life Insurance Company Kansas City, Missouri, United States Ratings Category Moody's Rating Insurance Financial Strength...Kansas City Life Insurance Company600012090150.00NewshtmlKansas City Life Insurance CompanyOU_600012090Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/srp/23395srp/23395norm...Address:#### Broadway #### Broadway, Kansas City, Missouri #####-#### Incorporated:MissouriWeb Site: www.kclife.comSIC Classification: Insurance Agents, Brokers, and Service (####) Business Description: Kansas City Life Insurance Company markets its individual insurance products, including traditional, interest sensitive and variable products through a nationwide sales force of independent general agents. It also markets group insurance products, which include life, dental and disability products through a nationwide sales force of independent general agents, group brokers and third-party marketing arrangements. Indices:Russell ####, Russell #### ... 23395484836101KCLI2/5/2007 7:38:00 AM23395Credit & Investment ResearchSharkRepellent.net