PROSPECTUS SUPPLEMENT* November 20, 1999
IDS Life Flexible Portfolio Annuity
S-6161 F (4/99)
The following information supplements the information contained in

your prospectus:

If you purchase your annuity between November 20, 1999 and May 19, 2000,


you are  eligible  to  participate  in IDS Life's  Special  Credit  program.  To
participate, you must make total "net purchase payments" of at least $100,000 to
your new  annuity at any time during the  program  period of  November  20, 1999
through


May 19, 2000. "Net purchase payments" equal purchase payments you make minus any
"surrenders" before the date we apply the Special Credit amount to your annuity.
"Surrenders"  include amounts you can surrender without a surrender charge, such
as  earnings.  "Net  purchase  payments"  do not  include  amounts  transferred,
exchanged  or  rolled  over  from  other IDS Life  annuities  or life  insurance
policies. The Special Credit amount is:


   Total net purchase payments:          Special Credit amount:
- ------------------------------------------------------------------------------
   $100,000 - $499,999                   2% of total net purchase payments
- ------------------------------------------------------------------------------
   $500,000 or more                      $10,000


We will apply the Special  Credit amount to the fixed account of your annuity on
September 15, 2000 if your annuity is still in force.  We will apply the Special
Credit amount even if death  benefits  become  payable or you apply your annuity
contract  value to an annuity  payout plan on or before  September  15, 2000. We
will send you a  confirmation  when we apply the Special  Credit  amount to your
annuity.

S-6161-30 D (11/99)
*Valid until next prospectus update
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