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 27, 2003 with respect to the consolidated financial statements of IDS
Life Insurance Company and to the use of our report dated March 21, 2003 with
respect to the financial statements of IDS Life Variable Account 10 - American
Express Retirement Advisor Advantage(R) Variable Annuity - Band 3 comprised of
segregated asset subaccounts included therein in Post-Effective Amendment No. 14
to the Registration Statement (Form N-4, No. 333-79311) for the registration of
the American Express Retirement Advisor Advantage(R) Variable Annuity - Band 3
offered by IDS Life Insurance Company.



                                                           /s/ Ernst & Young LLP
Minneapolis, Minnesota
April 25, 2003