Kansas City Life cost of insurance settlement
van Zanten and Vittetoe v. Kansas City Life Insurance Company
Also known as KCL; KCL COI; van Zanten v. Kansas City Life; 4:25-cv-00095
The lawsuit said Kansas City Life charged more cost of insurance than its life policies allowed.
Copied from the official notice. Last compared Nov 7, 2026.
- You could get
- A share of the fund $40 million fund, split among everyone who files.
Source
“Share of a $40 million fund, by COI charges paid”
From the administrator site: Official FAQ. Last compared Nov 7, 2026.
- Payments
- Date passed, not confirmed Was due by Feb 20, 2026. Has it paid yet? See payment status.
Source
“The Court entered an Order granting final approval of the Settlement. Payments to class members are currently expected to be mailed by February 20, 2026. Please allow 10-15 business days to receive your check after mailing.”
From the administrator site: Official settlement site home page (Analytics Consulting). Last compared Nov 7, 2026.
- Claims
- No claim form needed
Source
“Settlement awards will be issued by check only. ... To update a mailing address, please email the Settlement Administrator at kclcoisettlement@noticeadministrator.com , or call 1-855-493-7460 . ... Checks will expire 180 days after they are issued.”
From the administrator site: Official FAQ. Last compared Nov 7, 2026.
- Who can file
- Owned a Kansas City Life universal life policy, 2002 or later
Source
“and the persons who timely and properly excluded themselves from the Settlement Class, as identified on Exhibit A.”
From the court record: Final Judgment, W.D. Mo. No. 4:25-cv-00095-BP, Doc. 49 (filed 12/12/25; copy on the settlement site). Last compared Nov 7, 2026.
- Where
- Anywhere in the U.S.
Source
“All persons or entities who own or owned one or more of approximately 88,000 Universal Life and Variable Universal Life policies issued or administered by Defendant under the following plans that were active on or after January 1, 2002: Better Life Plan, Better Life Plan Qualified, LifeTrack, AGP, MGP, PGP, Chapter One, Classic, Century II, Rightrack (89), Performer (88), Performer (91), Prime Performer, Competitor (88), Competitor (91), Executive (88), Executive (91), Protector 50, LewerMax, Ultra 20 (93), Competitor II, Executive II, Performer II, and Ultra 20 (96), except Century II policies issued in the State of Missouri.”
From the court record: Order granting final approval and fee motion, W.D. Mo. No. 4:25-cv-00095-BP, Doc. 48 (filed 12/12/25; copy on the settlement site). Last compared Nov 7, 2026.
Quick answers
How much is the Kansas City Life cost of insurance settlement payout?
A share of the fund. $40 million fund, split among everyone who files.
Do I need to file a claim for the Kansas City Life cost of insurance settlement?
No claim form. Payment is automatic. Payment is automatic, by check only. To update your mailing address, email or call the Settlement Administrator. Checks expire 180 days after they are issued.
When is the Kansas City Life cost of insurance settlement payout date?
Was due by Feb 20, 2026.
Is the Kansas City Life cost of insurance settlement legit?
The settlement administrator (the company that handles claims) is Analytics Consulting, and the official site is www.kclcoisettlement.com. Real notices point there; if a link in a message goes anywhere else, do not use it.
The official site never asks you to pay to file.
Also ending this week
Related settlements
Confirm with the administrator before you act.
Case details
- Case
- van Zanten and Vittetoe v. Kansas City Life Insurance Company
- Court
- U.S. District Court, Western District of Missouri, Western Division
- Case number
- 4:25-cv-00095-BP
- Administrator
- Analytics Consulting
- Official site
- www.kclcoisettlement.com
- Settlement fund
- $40 million
- Full payout terms
- Share of a $40 million fund, by COI charges paidAn approximate pro rata share of the Net Settlement Fund based on Cost of Insurance charges paid, with a minimum payment and more for policies still in force.
Other dates
- Opt-out (exclusion) deadline
- (passed) source document
- Objection deadline
- (passed) source document
- Final approval hearing
- (passed) source document
- Final approval granted
- From the court order we read.From the court's signed order granting final approval (Doc. 48) and the Final Judgment (Doc. 49), both dated December 12, 2025, read on the copies posted on the settlement site. Source: court record
The court’s exact words
All persons or entities who own or owned one or more of approximately 88,000 Universal Life and Variable Universal Life policies issued or administered by Defendant under the following plans that were active on or after January 1, 2002: Better Life Plan, Better Life Plan Qualified, LifeTrack, AGP, MGP, PGP, Chapter One, Classic, Century II, Rightrack (89), Performer (88), Performer (91), Prime Performer, Competitor (88), Competitor (91), Executive (88), Executive (91), Protector 50, LewerMax, Ultra 20 (93), Competitor II, Executive II, Performer II, and Ultra 20 (96), except Century II policies issued in the State of Missouri.
Quoted from the official notice. Read the notice for the full definition.
You may be included if you own or owned a Kansas City Life universal life policy on a listed plan, active on or after January 1, 2002.
It covers 24 plans, such as Better Life Plan, LifeTrack, Century II and Ultra 20, but not Century II policies issued in Missouri.
You are not included if you are KCL or its affiliate, officer, employee or director, a class lawyer's employee, a judge, or opted out.
Sources and checks (5)
Every fact people act on was copied from the official source and compared with it. How we check
- Official settlement site home page (Analytics Consulting) administrator site
- Official FAQ administrator site
- Official Important Dates page administrator site
- Order granting final approval and fee motion, W.D. Mo. No. 4:25-cv-00095-BP, Doc. 48 (filed 12/12/25; copy on the settlement site) court record
- Final Judgment, W.D. Mo. No. 4:25-cv-00095-BP, Doc. 49 (filed 12/12/25; copy on the settlement site) court record
What changedLast change Nov 5, 2026
- Payment page now says the administrator's stated date (February 20, 2026) has passed and its site has not said whether payments went out. source document
- Payment-status page created. The court granted final approval on December 12, 2025, and the administrator's site says payments were expected to be mailed by February 20, 2026; it has not said whether they went out. source document
Questions
I already filed. What now?
There is no claim form, so there was nothing to file. The administrator pays class members automatically, usually after final approval and any appeals. Never pay anyone to check on a payment.