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Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.
The historical rank and industry rank for Kansas City Life Insurance Co's Combined Ratio % or its related term are showing as below:
KCLI's Combined Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Combined Ratio % only.
Kansas City Life Insurance Co (OTCPK:KCLI) Combined Ratio % Explanation
Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.
Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.
Kansas City Life Insurance Co Combined Ratio % Related Terms
Kansas City Life Insurance Co Combined Ratio % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Kansas City Life Insurance Co Combined Ratio % Chart
KCLI vs SNFCA, CIA, UTGN: Combined Ratio % Comparison
For the Insurance - Life subindustry, Kansas City Life Insurance Co's Combined Ratio %, along with its competitors' market caps and Combined Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Kansas City Life Insurance Co (OTCPK:KCLI) Combined Ratio % Calculation
Combined Ratio % is calculated as:
Combined Ratio %
=
( Incurred Losses
+
Expenses )
/
Earned Premium
*
100%
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Combined Ratio % of 0.00% mean?
Kansas City Life Insurance Co (KCLI) has a Combined Ratio % of 0.00% as of . 20. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Kansas City Life Insurance Co and its competitors.
Is Kansas City Life Insurance Co's Combined Ratio % too high?
Kansas City Life Insurance Co's current Combined Ratio % is 0.00%. Overall, Kansas City Life Insurance Co has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Kansas City Life Insurance Co's Combined Ratio % compare to SNFCA and CIA?
Kansas City Life Insurance Co's Combined Ratio % of 0.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Kansas City Life Insurance Co and its competitors. Kansas City Life Insurance Co's current Combined Ratio % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kansas City Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Kansas City Life Insurance Co (KCLI) is currently considered Fairly Valued. The stock's GF Value™ is $37.55, compared to a current price of $36.16 — trading 3.7% below its estimated fair value. The current Combined Ratio % is 0.00%. Kansas City Life Insurance Co's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For Kansas City Life Insurance Co (KCLI), the current Combined Ratio % is 0.00% as of . 20. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Kansas City Life Insurance Co (KCLI) Overvalued in 2026?
Based on GuruFocus' analysis, Kansas City Life Insurance Co stock appears to be undervalued.
The current stock price of $36.16 is trading 3.7% below its estimated GF Value™ of $37.55.
GuruFocus considers Kansas City Life Insurance Co to be Fairly Valued.
Key valuation signals for KCLI:
Combined Ratio %: 0.00%
GF Value™: $37.55 vs. price of $36.16 (3.7% below fair value)
No single metric tells the full story. See the KCLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kansas City Life Insurance Company is a Missouri-domiciled life insurer that markets individual life insurance, annuities, and group insurance products across the United States through a network of general agencies and independent producers. It operates in three segments: Individual Insurance, which offers whole life, term, and universal life policies and assumed reinsurance; Group Insurance, which provides group life, dental, vision, disability, accident, and critical illness coverage to employer groups; and Old American, which focuses on final expense and burial insurance products sold primarily to older customers. The company distributes mainly through career and independent agents rather than direct channels. Revenue comes primarily from premiums, policy fees, and investment income, with the Individual Insurance segment generating the largest share. Kansas City Life has operated since the late nineteenth century and remains a relatively small, regionally focused insurer.
65GF Score
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