About Kansas City Life Insurance Company (KCLI) — Dividend Analysis 2026
Kansas City Life Insurance Company provides insurance products and services in 49 states and the District of Columbia. It offers a portfolio of individual insurance, annuity, and group life and health insurance; and traditional life insurance, immediate annuities with life contingencies, supplementary contracts with life contingencies, and accident and health insurance. Kansas City Life Insurance Company was incorporated in 1985 and is based in Kansas City, Missouri.
Is KCLI a good dividend investment in 2026?
KCLI offers a 1.87% forward yield with a 50% payout ratio. Strand Safety Score: 0/100 (Critical Risk). The 5-year dividend CAGR of -48.1% is modest — investors should weigh current income against growth alternatives.
KCLI DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your KCLI portfolio grows to $6.3K vs $6.4K without reinvestment. This is the compound interest effect in action.
KCLI dividend growth history & forecast
KCLI has grown its dividend by 0% over the last year and -48.1% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 1.87%.
Company generates negative FCF ($-131M) — borrowing to pay dividends
Debt Leverage0.0× Debt/EBITDA
0 / 30 pts
0/30
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum-0.0B → -0.0B → +0.1B
0 / 30 pts
0/30
Company is reporting net losses — dividend sustainability is in question
OVERALL ASSESSMENT
High risk of dividend cut — weak fundamentals across multiple factors.
STRAND SCORE
0
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 KCLI Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold KCLI.
Gross yield
1.87%
Tax rate
15.00%
After-tax yield
1.59%
Real yield (−CPI)
-1.21%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
1.87%
-0.93%
$187 / yr
🇺🇸 US Taxable (15%) ✓
15%
1.59%
-1.21%
$159 / yr
🇺🇸 US Taxable (20%)
20%
1.50%
-1.30%
$150 / yr
🇬🇧 UK ISA
0%
1.87%
-0.93%
$187 / yr
🇬🇧 UK Taxable
8.75%
1.71%
-1.09%
$171 / yr
🇨🇦 TFSA
0%
1.87%
-0.93%
$187 / yr
🇨🇦 CA Taxable
25%
1.40%
-1.40%
$140 / yr
🇦🇺 Super (pension)
15%
1.59%
-1.21%
$159 / yr
🇦🇺 AU Taxable
30%
1.31%
-1.49%
$131 / yr
🇩🇪 DE Taxable
26.375%
1.38%
-1.42%
$138 / yr
🇫🇷 FR Taxable
30%
1.31%
-1.49%
$131 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 KCLI Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your KCLI investment of $32.15/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$171.99
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-2300.30
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in KCLI for:
Shares needed
47,059
Capital required
$1,512,947
Monthly income
$2,000
Based on current dividend of $0.60/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 KCLI Dividend Payment Schedule
KCLI pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$1.27 / payment
$5.10 / year after tax
100 shares
$12.75 / payment
$51.00 / year after tax
1,000 shares
$127.50 / payment
$510.00 / year after tax
📊 KCLI vs Financial Services Benchmarks
How KCLI compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-1.03% vs sectorBelow avg
KCLI
1.87%
avg
2.90%
5Y Dividend CAGR▼-55.20% vs sectorBelow avg
KCLI
-48.10%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
KCLI
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for KCLI sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ KCLI Insider Activity
No recent SEC filings reported in the last 90 days.
📅
Next Earnings Report: 2026-04-29(in 29 days)
🔬
Financial Health Scores
Altman Z-Score
0.38
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
1/9
🔴 Weak fundamentals — dividend safety concern
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
🌍
Geographic Revenue Breakdown
Where KCLI earns its money
Old American100%
💡 International revenue may have additional withholding tax implications for non-US investors. Check your country's tax treaty with the US before investing.
Revenue breakdown from latest annual report via FMP. Percentages may not sum to 100% due to rounding.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the KCLI dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →