KCLI (Kansas City Life Insurance Co) Moat Score: 4/10 (As of Jul. 01, 2026)


KCLI Kansas City Life Insurance Co KCLI
65 GF Score
Price $33.40
GF Value $37.14
Valuation Modestly Undervalued
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What is Kansas City Life Insurance Co Moat Score?

Kansas City Life Insurance Co KCLI 65 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates KCLI with a GF Score™ of 65/100 and a GF Value™ of $37.14 (Modestly Undervalued). Among 600 Insurance companies, Kansas City Life Insurance Co ranks better than 79.67% on this metric.

Kansas City Life Insurance Co has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Kansas City Life Insurance Co has Narrow Moat: Kansas City Life Insurance Co has a modest moat due to its established brand and customer loyalty in regional markets. However, it faces intense competition and lacks significant cost advantages or proprietary technology. Its regulatory environment provides some barriers, but not enough to ensure a strong moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Kansas City Life Insurance Co might have Narrow Moat - Discernible but modest moat.

Kansas City Life Insurance Co  (OTCPK:KCLI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Kansas City Life Insurance Co Moat Score Related Terms

KCLI vs CIA, SNFCA, UTGN: Moat Score Comparison

For the Insurance - Life subindustry, Kansas City Life Insurance Co's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Kansas City Life Insurance Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Kansas City Life Insurance Co's Moat Score falls into.


KCLI
65GF Score
Kansas City Life Insurance Co KCLI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Kansas City Life Insurance Co (KCLI) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Kansas City Life Insurance Co ranks #122 out of 600 companies in the Insurance industry, placing it in the top 20.3%.
Is Kansas City Life Insurance Co's Moat Score too high?
Kansas City Life Insurance Co's current Moat Score is 4. Based on the distribution chart, Kansas City Life Insurance Co ranks #122 out of 600 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Kansas City Life Insurance Co has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kansas City Life Insurance Co's Moat Score compare to CIA and SNFCA?
According to the Insurance industry distribution chart, Kansas City Life Insurance Co ranks #122 out of 600 companies for Moat Score. This places Kansas City Life Insurance Co in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Kansas City Life Insurance Co's current Moat Score is 4. 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 Modestly Undervalued. The stock's GF Value™ is $37.14, compared to a current price of $33.40 — trading 10.1% below its estimated fair value. The current Moat Score is 4. Kansas City Life Insurance Co's overall GF Score™ is 65/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Kansas City Life Insurance Co (KCLI), the current Moat Score is 4 as of Jul. 01, 2026. 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 $33.40 is trading 10.1% below its estimated GF Value™ of $37.14. GuruFocus considers Kansas City Life Insurance Co to be Modestly Undervalued.

Key valuation signals for KCLI:

  • Moat Score: 4
  • GF Value™: $37.14 vs. price of $33.40 (10.1% below fair value)
  • GF Score™: 65/100

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 Co Business Description

Address 3520 Broadway, Kansas, MO, USA, 64111-2565
Kansas City Life Insurance Co is a Missouri-domiciled insurance company providing individual life, annuity, and group products through general agencies located throughout the United States. The company operates its business in three segments; The Individual Insurance segment consists of individual insurance products for Kansas City Life, Grange Life, and the assumed reinsurance transactions; The Group Insurance segment consists of sales of group life, dental, vision, disability, accident, and critical illness products; and The Old American segment consists of individual insurance products designed largely as final expense products. The company makes the majority of its revenue from the Individual Insurance Segment.
65GF Score

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$33.40
Price
$37.14
GF Value