Consent of Independent Auditors



 We consent to the reference to our firm under the caption "Independent
Auditors" in the Statement of Additional Information and to the use of our
report dated January 28, 2002 with respect to the consolidated financial
statements of IDS Life Insurance Company and to the use of our report dated
March 22, 2002 with respect to the financial statements of IDS Life Variable
Account 10 - American Express Retirement Advisor Advantage(SM) Variable
Annuity - Band 3 (comprised of subaccounts BC3, BD3, CR3, CM3, DE3, EM3, ES3,
EI3, FI3, GB3, GR3, IE3, MF3, ND3, SV3, IV3, SC3, ST3, SA3, 3AC, 3AD, 3AB, 3AL,
3AI, 3AV, 3SR, 3CG, 3FG, 3FM, 3FO, 3RE, 3SI, 3MS, 3UE, 3MC, 3ID, 3FS, 3TC, 3TL,
3GT, 3IG, 3IP, 3MG, 3MD, 3UT, 3PE, 3EU, 3HS, 3PI, 3VS, 3SO, 3IT, 3SP, 3AA, 3WI
and 3SG) included in Post-Effective Amendment No. 10 to the Registration
Statement (Form N-4, No. 333-79311) and related Prospectus for the registration
of the American Express Retirement Advisor Advantage(SM) Variable Annuity - Band
3 Contracts to be offered by IDS Life Insurance Company.





/s/ Ernst & Young LLP
    Minneapolis, Minnesota
    April 22, 2002