Policyholders of Kansas City Life Insurance Co. (KCL) may be eligible for compensation from a $40 million class action settlement.
The lawsuit alleged that Kansas City Life charged excessive insurance costs on certain life insurance policies, in violation of the policy terms. KCL denies wrongdoing but agreed to settle the case.
Here’s everything you need to know — including eligibility, payout details, deadlines, and the official settlement site.
Who Is Eligible for the Settlement?
You may be part of the settlement if you own or owned one of the following Kansas City Life Insurance policies that was active on or after Jan. 1, 2002:
Calculate Your 2026 COLA Increase →- Better Life Plan
- Better Life Plan Qualified
- LifeTrack
- AGP, MGP, PGP
- Chapter One
- Classic
- Century II
- Rightrack (’89)
- Performer (’88), Performer (’91), Performer II
- Prime Performer
- Competitor (’88), Competitor (’91), Competitor II
- Executive (’88), Executive (’91), Executive II
- Protector 50
- LewerMax
- Ultra 20 (’93), Ultra 20 (’96)
Special Missouri Subclass – Century II Policies
A separate subclass (called the Sheldon Class) covers Missouri residents who own or owned a Century II life insurance policy active on or after Jan. 1, 2002. This part of the settlement is overseen by the 16th Circuit Court of Jackson County, Missouri.
To confirm eligibility, visit the official settlement site: KCLCOISettlement.com
What Does the Settlement Provide?
- Settlement Amount: $40 million
- Type of Benefit: Cash payments
- How Payments Are Calculated: Based on the insurance costs you paid during the class period. Those who paid more will receive larger payments.
No claim form is required. Eligible class members will automatically receive payment unless they choose to exclude themselves.
Important Dates
- Exclusion & Objection Deadline: October 27, 2026
- Final Approval Hearing: December 12, 2026
- Payout Date: Payments are expected to be issued about 28 days after final court approval and resolution of any appeals.
Settlement Details
- Case Name: Van Zanten, et al. v. Kansas City Life Insurance Co., Case No. 4:25-cv-00095-BP (U.S. District Court, Western District of Missouri)
- Settlement Website: www.KCLCOISettlement.com
- Claims Administrator:
KCL COI Settlement Administrator
PO Box 2010
Chanhassen, MN 55317-2010
Email: KCLCOISettlement@NoticeAdministrator.com
Phone: 855-493-7460
Why Was There a Lawsuit?
The plaintiffs alleged that Kansas City Life Insurance Co.:
- Used non-mortality factors to set insurance rates
- Failed to lower insurance rates when expectations improved
- Factored expenses into insurance costs despite charging separate expense fees
These practices allegedly resulted in excessive insurance charges, harming policyholders.
Kansas City Life denies all allegations but agreed to settle to avoid further litigation.
If you owned a Kansas City Life Insurance policy active since Jan. 1, 2002, you may qualify for a cash payment from the $40M class action settlement.
Check eligibility and learn more here: Kansas City Life Settlement Website
No claim form is needed — eligible members will automatically receive payment after final approval
