Kansas City Life Excess Benefit Plan

Exhibit 10 (d), Form 10-K Kansas City Life Insurance Company


SECOND AMENDMENT


KANSAS CITY LIFE
EXCESS BENEFIT PLAN


ARTICLE I
Definitions


1.01 "Act" shall mean the Employee Retirement Income Security Act of 1974 (ERISA), as from time to time amended.


1.02 "Pension Plan" shall mean the Kansas City Life Insurance Company Cash Balance Pension Plan, as amended from time to time.


1.03 "Code" shall mean the Internal Revenue Code of 1986, as amended from time to time.


1.04 "Company" shall mean Kansas City Life Insurance Company and any of its subsidiaries or affiliated business entities parti-cipating in the Pension Plan.


1.05 "Effective date" shall mean January 1, 1999.


1.06 "Maximum benefit" shall mean the maximum benefit permitted by Sections 415 and 401(a)(17) of the Code to be paid a participant of a defined benefit plan qualified under Sections 401(a) and 501(a).


1.07 "Participant" shall mean any employee of the Company who is an active participant in the Pension Plan on or after the effective date and whose pension benefits determined on the basis of the provisions of such Pension Plan, without regard to the limitations of the Code, would exceed the maximum benefit limited under Sections 415 and 401(a)(17) of the Code.


1.08 "Plan" shall mean the Kansas City Life Excess Benefit Plan, as from time to time amended or restated, which shall be an unfunded plan as defined in Act Section 3(36) and Department of Labor Regulation 2520.104-23.


1.09 "Unrestricted benefit" shall mean the maximum normal, early, or deferred vested retirement benefit, payable pursuant to provisions of the Pension Plan, whichever is applicable, determined without regard to the limitations of the Code imposed under Sections 415 and 401(a)(17).


ARTICLE II
Benefits


2.01 Normal retirement benefit: Upon the retirement of a participant, as provided und ...