AMENDMENT TO
                          FUND PARTICIPATION AGREEMENT

     THIS AMENDMENT to the Fund Participation Agreement ("Amendment") is entered
into and is  effective  this  13th day of  February,  2002 by and among IDS Life
Insurance Company ("Company") and Janus Aspen Series ("Trust").

     WHEREAS,  The  parties to this  Amendment  have  previously  executed  that
certain Fund Participation Agreement dated April 21, 2000 ("Agreement"); and

     WHEREAS, the parties to this Amendment wish to amend the Agreement to allow
for the addition of a new Contract.

     NOW  THEREFORE,  in  consideration  of the terms,  covenants and conditions
contained  herein and other good and  valuable  consideration,  the  receipt and
sufficiency  of which are hereby  acknowledged,  the  parties to this  Amendment
agree to amend the Agreement as follows:

1.   Schedule  A of the  Agreement  is hereby  deleted  in its  entirety  and is
     replaced  with  the  Schedule  A,  attached  hereto  and   incorporated  by
     reference.

2.   In the event of a  conflict  between  the terms of this  Amendment  and the
     Agreement,  it is the  intention  of the  parties  that  the  terms of this
     Amendment  shall control and the  Agreement  shall be  interpreted  on that
     basis.  Except as  modified  by this  Amendment,  the  Agreement  is hereby
     ratified and confirmed and shall remain in full force and effect.

     IN  WITNESS  WHEREOF,  each party has  executed  this  Amendment  by a duly
authorized officer.

IDS LIFE INSURANCE COMPANY                  Attest:

By:  /s/ Timothy V. Bechtold                By:  /s/ Mary Ellyn Minenko
     --------------------------                  -----------------------------
Printed                                     Printed
Name:    Timothy V. Bechtold                Name:    Mary Ellyn Minenko
         ----------------------
As Its:  President                          As Its:  Assistant Secretary
         ----------------------

JANUS ASPEN SERIES

By:  /s/ Bonnie M. Howe
         ----------------------
Printed
Name:    Bonnie M. Howe
         ----------------------
As Its:  Vice President
         ----------------------




                                   Schedule A
                   Separate Accounts and Associated Contracts


Name of Separate Account and                   Contract Funded
Date Established by Board of Directors         By Separate Account

IDS Life Variable Account 10                   Contract Forms 131041, 131042,
established July 15, 1987                      131043, 31043, 31044, 31045,
                                               31046, 31047 and 31048 and state
                                               variations of these forms

IDS Life Variable Life Separate Account        Contract Form 30061 and state
established October 16, 1985                   variations of this form