<PAGE>

                                  UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION


                            Washington, D.C. 20549

                                    FORM 10-Q


     Quarterly  Report Under Section 13 or 15(d) of the Securities  Exchange Act
of 1934

                                   (Mark one)
     [ X ] QUARTERLY  REPORT  PURSUANT TO SECTION 13 OR 15(d) OF THE  SECURITIES
EXCHANGE ACT OF 1934
                  For the quarterly period ended June 30, 2000

                                       OR

     [ ]  TRANSITION  REPORT  PURSUANT TO SECTION 13 OR 15(d) OF THE  SECURITIES
EXCHANGE ACT OF 1934
                       For the transition period from to

                         Commission file number 33-28976

                            IDS LIFE INSURANCE COMPANY
             (Exact name of registrant as specified in its charter)

                           MINNESOTA                       41-0823832
             (State or other jurisdiction of          (I.R.S. Employer
              incorporation or organization)          Identification No.)

         IDS TOWER 10, MINNEAPOLIS, MINNESOTA                     55440-0010
             (Address of principal executive offices)             (Zip Code)

       (Registrant's telephone number, including area code) (612) 671-1257

     Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. Yes X No

     THE  REGISTRANT  MEETS  THE  CONDITIONS  SET FORTH IN  GENERAL  INSTRUCTION
H(1)(a)  AND (b) OF FORM  10-Q  AND IS  THEREFORE  FILING  THIS  FORM  WITH  THE
PERMITTED ABBREVIATED NARRATIVE DISCLOSURE.

<PAGE>

                          IDS LIFE INSURANCE COMPANY

                                    FORM 10-Q

                       For the Quarter Ended June 30, 2000

                                Table of Contents

PART I - FINANCIAL INFORMATION                                         Page

         Item 1. Financial Statements

                  Consolidated Balance Sheets as of
                  June 30, 2000 (unaudited) and
                  December 31, 1999                                    3 - 4

                  Consolidated Statements of Income for the
                  three months ended June 30, 2000 and 1999
                  (unaudited)                                              5

                  Consolidated Statements of Income for the
                  six months ended June 30, 2000 and 1999
                  (unaudited)                                              6

                  Consolidated Statements of Cash Flows for the
                  six months ended June 30, 2000 and 1999
                  (unaudited)                                          7 - 8

                  Notes to Consolidated Financial Statements
                  (unaudited)                                         9 - 10

         Item 2. Management's Discussion and Analysis of
                  Consolidated Financial Condition and
                  Results of Operations                              11 - 12

PART II - OTHER INFORMATION                                          13 - 16

SIGNATURES                                                                17

<PAGE>

                           IDS LIFE INSURANCE COMPANY
                           CONSOLIDATED BALANCE SHEETS
                                  ($ thousands)
<TABLE>
<CAPTION>
<S>                                                          <C>                   <C>
                                                                June 30,             December 31,
ASSETS                                                            2000                   1999
                                                             ----------------      ------------------
                                                               (unaudited)
Investments:
    Fixed Maturities:
       Held to maturity, at amortized cost (Fair value:
            2000, $6,714,896; 1999,$7,105,743)                    $6,814,778              $7,156,292
       Available for sale, at fair value (Amortized cost:
            2000, $13,349,974; 1999, $13,703,137)                 12,515,729              13,049,549
                                                             ----------------      ------------------

                                                                  19,330,507              20,205,841

    Mortgage loans on real estate                                  3,613,382               3,606,377
    Policy loans                                                     595,351                 561,834
    Other investments                                                557,130                 506,797
                                                             ----------------      ------------------

                  Total investments                               24,096,370              24,880,849

Cash and cash equivalents                                                 --                  32,333

Amounts recoverable from reinsurers                                  366,250                 327,168

Amounts due from brokers                                               1,090                     145

Other accounts receivable                                             57,695                  48,578

Accrued investment income                                            332,723                 343,449

Deferred policy acquisition costs                                  2,794,454               2,674,323

Deferred income taxes                                                267,665                 216,020

Other assets                                                          32,343                  23,941

Separate account assets                                           36,458,358              35,894,732
                                                             ----------------      ------------------

                  Total assets                                   $64,406,948             $64,441,538
                                                             ================      ==================
</TABLE>


<PAGE>

                           IDS LIFE INSURANCE COMPANY
                           CONSOLIDATED BALANCE SHEETS
                       ($ thousands, except share amounts)
                                   (continued)
<TABLE>
<CAPTION>
<S>                                                           <C>                   <C>
                                                                 June 30,             December 31,
LIABILITIES AND STOCKHOLDER'S EQUITY                               2000                   1999
                                                              ----------------      ------------------
                                                                (unaudited)
Liabilities:
    Future policy benefits:
       Fixed annuities                                            $19,939,096             $20,552,159
       Universal life-type insurance                                3,402,643               3,391,203
       Traditional life insurance                                     230,368                 226,842
       Disability income and
           long-term care insurance                                   905,064                 811,941
    Policy claims and other
       policyholders' funds                                            42,859                  24,600
    Amounts due to brokers                                            130,033                 148,112
    Other                                                             572,217                 579,678
    liabilities
    Separate account liabilities                                   36,458,358              35,894,732
                                                              ----------------      ------------------

                     Total liabilities                             61,680,638              61,629,267
                                                              ----------------      ------------------

Stockholder's equity:
    Capital stock, $30 par value per share;
       100,000 shares authorized, issued and outstanding                3,000                   3,000
    Additional paid-in capital                                        288,327                 288,327
    Accumulated other comprehensive loss, net of tax:
        Net unrealized securities losses                             (524,368)               (411,230)
    Retained earnings                                               2,959,351               2,932,174
                                                              ----------------      ------------------

                     Total stockholder's equity                     2,726,310               2,812,271
                                                              ----------------      ------------------

Total liabilities and stockholder's equity                        $64,406,948             $64,441,538
                                                              ================      ==================

</TABLE>

                                         See accompanying notes.

<PAGE>
                           IDS LIFE INSURANCE COMPANY
                        CONSOLIDATED STATEMENTS OF INCOME
                                  ($ thousands)
                                   (unaudited)
<TABLE>
<CAPTION>
<S>                                                           <C>                   <C>
                                                                        Three months ended
                                                                             June 30,
                                                                   2000                   1999
                                                              ----------------      ------------------
Revenues:
    Premiums:
       Traditional life insurance                                     $14,104                 $13,670
       Disability income and
         long-term care insurance                                      56,648                  47,826
                                                              ----------------      ------------------
                     Total premiums                                    70,752                  61,496

    Policyholder and contractholder charges                           114,601                 103,945
    Management and other fees                                         146,198                 115,445
    Net investment income                                             444,684                 486,238
    Net realized gain on investments                                                            5,758
                                                                       11,596
                                                              -----------------     -----------------
                     Total revenues                                   787,831                 772,882

                                                              -----------------     -----------------

Benefits and expenses:
    Death and other benefits:
       Traditional life insurance                                       7,215                   7,328
       Universal life-type insurance
             and investment contracts                                  29,919                  29,985
       Disability income and
             long-term care insurance                                   8,801                   7,611
    Increase in liabilities for
       future policy benefits:
             Traditional life insurance                                 1,436                   1,635
             Disability income and
                long-term care insurance                               26,985                  21,560
    Interest credited on universal life-type
       insurance and investment contracts                             296,376                 313,602
    Amortization of deferred policy
       acquisition costs                                              103,679                  96,785
    Other insurance and operating expenses                             82,973                  72,275
                                                              ----------------      ------------------
                     Total benefits and expenses                      557,384                 550,781
                                                              ----------------      ------------------

Income before income taxes                                            230,447                 222,101

Income taxes                                                           65,615                  53,952
                                                              ----------------      ------------------

Net income                                                           $164,832                $168,149
                                                              ================      ==================

</TABLE>





                                       See accompanying notes.

<PAGE>

                           IDS LIFE INSURANCE COMPANY
                        CONSOLIDATED STATEMENTS OF INCOME
                                  ($ thousands)
                                   (unaudited)
<TABLE>
<CAPTION>
<S>                                                           <C>                   <C>
                                                                         Six months ended
                                                                             June 30,
                                                                   2000                   1999
                                                              ----------------      ------------------
Revenues:
    Premiums:
       Traditional life insurance                                     $27,823                 $27,047
       Disability income and
         long-term care insurance                                     110,925                  95,261
                                                              ----------------      ------------------
                     Total premiums                                   138,748                 122,308

    Policyholder and contractholder charges                           220,960                 205,119
    Management and other fees                                         304,058                 225,442
    Net investment income                                             907,947                 967,370
    Net realized (loss) gain on investments                            (9,299)                  9,461
                                                              -----------------     ------------------
                     Total revenues                                 1,562,414               1,529,701

                                                              -----------------     ------------------

Benefits and expenses:
    Death and other benefits:
       Traditional life insurance                                      15,714                  15,101
       Universal life-type insurance
             and investment contracts                                  61,666                  57,648
       Disability income and
             long-term care insurance                                  18,249                  14,740
    Increase in liabilities for
       future policy benefits:
             Traditional life insurance                                 3,274                   3,226
             Disability income and
                long-term care insurance                               51,717                  41,525
    Interest credited on universal life-type
       insurance and investment contracts                             595,669                 624,387
    Amortization of deferred policy
       acquisition costs                                              198,866                 190,354
    Other insurance and operating expenses                            172,312                 142,055
                                                              ----------------      ------------------
                     Total benefits and expenses                    1,117,467               1,089,036
                                                              ----------------      ------------------

Income before income taxes                                            444,947                 440,665

Income taxes                                                          127,769                 131,649
                                                              ----------------      ------------------

Net income                                                           $317,178                $309,016
                                                              ================      ==================
</TABLE>

                                       See accompanying notes.

<PAGE>
                           IDS LIFE INSURANCE COMPANY
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                  ($thousands)
                                   (unaudited)
<TABLE>
<CAPTION>
<S>                                                           <C>                    <C>
                                                                          Six months ended
                                                                              June 30,
                                                                    2000                    1999
                                                              -----------------      -------------------
Cash flows from operating activities:
    Net income                                                        $317,178                 $309,016
    Adjustments to reconcile net income to
       net cash provided by operating activities:
             Policy loans, excluding universal
                life-type insurance:
                  Issuance                                             (31,532)                 (27,212)
                  Repayment                                             27,514                   25,876
             Change in amounts recoverable from reinsurers             (39,082)                 (29,940)
             Change in other accounts receivable                        (9,117)                  (9,300)
             Change in accrued investment income                        10,726                   (9,323)
             Change in deferred policy
                acquisition costs, net                                (115,007)                 (15,245)
             Change in liabilities for future policy
                benefits for  traditional life,
                disability income and
                long-term care insurance                                96,649                   68,147
             Change in policy claims and other
                policyholders' funds                                    18,259                   26,298
             Change in deferred income taxes                             9,276                   22,743
             Change in other liabilities                                (7,461)                  66,968
             Amortization of premium, net                                2,382                    2,445
             Net realized gain (loss) on investments                     9,299                   (9,461)
             Policyholder and contractholder charges,
                non-cash                                               (75,976)                 (87,597)
             Other, net                                                 (6,614)                  (6,181)
                                                              ------------------       -------------------

                Net cash provided by operating activities             $206,494                 $327,234
                                                              ------------------       -------------------

</TABLE>

<PAGE>

                           IDS LIFE INSURANCE COMPANY
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                  ($ thousands)
                                   (unaudited)
                                   (continued)
<TABLE>
<CAPTION>
<S>                                                           <C>                   <C>
                                                                         Six months ended
                                                                             June 30,
                                                                   2000                   1999
                                                              ----------------      ------------------
Cash flows from investing activities: Fixed maturities held to maturity:
       Purchases                                                        $  --                  ($859)
       Maturities, sinking fund payments and calls                    329,790                356,447
       Sales                                                            8,193                 42,965
    Fixed maturities available for sale:
       Purchases                                                     (434,922)            (1,662,373)
       Maturities, sinking fund payments and calls                    520,113                896,855
       Sales                                                          264,490                389,920
    Other investments, excluding policy loans:
       Purchases                                                     (274,890)              (301,977)
       Sales                                                          212,567                179,616
    Change in amounts due from broker                                    (945)                   327
    Change in amounts due to broker                                   (18,079)               333,876
                                                              -----------------      -----------------

              Net cash provided by investing activities
                                                                      606,317                234,797
                                                              -----------------      -----------------

Cash flows from financing activities:
    Activity related to universal life-type insurance
     and investment contracts:
       Considerations received                                        914,664                954,742
       Surrenders and death benefits                               (2,035,979)            (1,690,731)
       Interest credited to account balances                          595,670                624,375
    Universal life-type insurance policy loans:
       Issuance                                                       (66,797)               (50,525)
       Repayment                                                       37,298                 33,906
    Cash dividends to parent                                         (290,000)              (230,000)
                                                              -----------------      -----------------

              Net cash used in financing activities                  (845,144)              (358,233)
                                                              -----------------      -----------------

Net increase in cash and cash equivalents                             (32,333)               203,798

Cash and cash equivalents at beginning of period                       32,333                 22,453
                                                              -----------------      -----------------

Cash and cash equivalents at end of period                              $  --               $226,251
                                                              =================      =================


</TABLE>

                                        See accompanying notes.

<PAGE>

                           IDS LIFE INSURANCE COMPANY
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

                                  June 30, 2000
                                  ($ thousands)
                                   (unaudited)

1.   General

     In the opinion of the management of IDS Life Insurance Company (the
     Company), the accompanying unaudited consolidated financial statements
     contain all adjustments (consisting of normal recurring adjustments)
     necessary to present fairly its balance sheet as of June 30, 2000,
     statements of income for the three and six months ended June 30, 2000 and
     1999 and statements of cash flows for the six months ended June 30, 2000
     and 1999.

     The Company is a wholly owned subsidiary of American Express Financial
     Corporation (AEFC), which is a wholly-owned subsidiary of American Express
     Company. The accompanying unaudited consolidated financial statements
     include the accounts of the Company and its wholly owned subsidiaries, IDS
     Life Insurance Company of New York, American Enterprise Life Insurance
     Company, American Centurion Life Assurance Company, American Partners Life
     Insurance Company and American Express Corporation. All material
     intercompany accounts and transactions have been eliminated in
     consolidation.

2.   Comprehensive Income

     Total comprehensive income was $103,828 and ($27,602) for the three months
     ended June 30, 2000 and $204,040 and $3,104 for the six months ended June
     30, 2000 and 1999 respectively.


3.   Statements of cash flows

     Cash paid for interest on borrowings totaled $2,826 and $1,535 for the six
     months ended June 30, 2000, and 1999, respectively. Cash paid for income
     taxes totaled $116,241 and $135,986 for the six months ended June 30, 2000
     and 1999, respectively.

<PAGE>

                           IDS LIFE INSURANCE COMPANY
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                  ($ thousands)
                                   (unaudited)
                                   (continued)

4.   Commitments and contingencies

     Commitments for purchases of investments in the ordinary course of business
     at June 30, 2000 aggregated $112,893.

     The maximum amount of life insurance risk retained by the Company is $750
     on any policy insuring a single life and $1,500 on any policy insuring a
     joint-life combination. Beginning in 1999, the Company retains only 20% of
     the mortality risk on new variable universal life insurance policies. Risk
     not retained is reinsured with other life insurance companies, primarily on
     a yearly renewable term basis. Long-term care policies are primarily
     reinsured on a coinsurance basis. The Company retains all disability income
     and waiver of premium risk. Beginning in 2000, the Company retains all
     accidental death benefit risk.

     In January 2000, AEFC reached an agreement in principle to settle three
     class-action lawsuits. The Company had been named as a co-defendant in all
     three lawsuits. It is expected the settlement will provide $215 million of
     benefits to more than 2 million class participants. The agreement in
     principle to settle also provides for release by class members of all
     insurance and annuity market conduct claims dating back to 1985 and is
     subject to a number of contingencies, including a definitive agreement and
     court approval. The settlement costs allocated to the Company are included
     in the accompanying 1999 statement of income and did not have a material
     impact on the Company's consolidated financial position or results of
     operations.

     The Company is named as a defendant in various other lawsuits. The outcome
     of any litigation cannot be predicted with certainty. In the opinion of
     management, however, the ultimate resolution of these lawsuits, taken in
     aggregate should not have a material adverse effect on the Company's
     consolidated financial position.

<PAGE>

MANAGEMENT'S DISCUSSION AND ANALYSIS OF CONSOLIDATED FINANCIAL CONDITION AND
RESULTS OF OPERATIONS

Results of Operations

Six Months Ended June 30, 2000 Compared to Six Months Ended June 30, 1999:

     Consolidated net income increased 3 percent to $317 million for the six
months ended June 30, 2000, compared to $309 million in 1999. Earnings growth
resulted primarily from increases in management fees and policyholder and
contractholder charges partially offset by a decrease in spread rates and by a
realized loss on investments.

     Premiums received totaled $3.5 billion for the six months ended June 30,
2000, compared to $2.2 billion a year ago. The premium growth is primarily due
to increased sales of variable annuities and variable universal life insurance.

     Policyholder and contractholder charges increased to $221 million for the
six months ended June 30, 2000, compared with $205 million a year ago. This
increase was primarily due to an increase in life insurance in force.

     Management and other fees increased to $304 million for the six months
ended June 30, 2000 compared with $225 million a year ago. This was primarily
due to an increase in average separate account assets outstanding, resulting
primarily from market appreciation. The Company provides investment management
services for many of the mutual funds which are used as investment options for
variable annuities and variable life insurance. The Company also receives a
mortality and expense risk fee from the separate accounts.

     Net investment income decreased to $908 million for the six months ended
June 30, 2000 compared to $967 million one year ago. This is primarily due to
lower investments in fixed maturities at June 30, 2000 compared to June 30,
1999.

     Total benefits and expenses were $1.1 billion for the six months ended June
30, 2000, an increase of 3 percent from a year ago. The largest component of
expenses, interest credited on universal life-type insurance and investment
contracts, decreased 4 percent to $596 million. This was due to lower aggregate
amounts of fixed annuities in force. Other insurance and operating expenses
increased 21 percent as a result of business growth and technology costs related
to growth initiatives.

<PAGE>

     MANAGEMENT'S  DISCUSSION AND ANALYSIS OF CONSOLIDATED  FINANCIAL  CONDITION
AND RESULTS OF OPERATIONS

Liquidity and Capital Resources

     The liquidity requirements of the Company are met by funds provided from
operations and investment activity. The primary components of the funds provided
are premiums, investment income, proceeds from sales of investments as well as
maturities and periodic repayments of investment principal.

     The primary uses of funds are policy benefits, commissions and operating
expenses, policy loans, new investment purchases and dividends to parent.

     The Company has an available line of credit with its parent of $200 million
($100 million committed and $100 million uncommitted). This line of credit is
used strictly as a short-term source of funds. At June 30, 2000, outstanding
borrowings under this agreement were $100 million. The Company also uses reverse
repurchase agreements for short-term liquidity needs. Outstanding reverse
repurchase agreements totaled $27 million at June 30, 2000.

     At June 30, 2000, approximately 12 percent of the Company's invested assets
were below-investment-grade bonds, compared to 11 percent at December 31, 1999.
These investments may be subject to a higher degree of risk than higher-rated
issues because of the borrowers' generally greater sensitivity to adverse
economic conditions, such as recession or increasing interest rates, and in
certain instances the lack of an active secondary market. Expected returns on
below-investment-grade bonds reflect consideration of such factors. The Company
has identified those fixed maturities for which a decline in fair value is
determined to be other than temporary, and has written them down to fair value
with a charge to earnings. In recent months, the industry-wide default rate on
below-investment-grade bonds has increased significantly and this trend is
expected to continue over the next several months and possibly beyond.*
Additional investment security losses throughout the remainder of 2000 are
likely but the amount of these losses is dependent on a number of factors and
cannot be estimated at this time.* Management believes that there will not be a
significant adverse impact on the Company's consolidated financial position.*

     For the six months ended June 30, 2000, sales of fixed maturities held to
maturity were due to significant deterioration in the issuers' creditworthiness.

     At June 30, 2000, the Company had an allowance for losses on mortgage loans
of $12 million.

     The Company paid $290 million in dividends to its parent during the six
months ended June 30, 2000.

     * Statements in this discussion of the Company's liquidity and capital
resources marked with an asterisk are forward-looking statements which are
subject to risks and uncertainties. Important factors that could cause results
to differ materially from these forward-looking statements include, among other
things, changes in the ability of issuers of investment securities held by the
Company to meet their debt obligations.

<PAGE>

     MANAGEMENT'S  DISCUSSION AND ANALYSIS OF CONSOLIDATED  FINANCIAL  CONDITION
AND RESULTS OF OPERATIONS

PART II - OTHER INFORMATION

Item 1.  LEGAL PROCEEDINGS

         Reference is made to Note 4 of the Notes to Consolidated Financial
         Statements (unaudited) contained in the Report filed on Form 10-Q for
         the quarterly period ended June 30, 2000.

Item 2.  CHANGES IN SECURITIES AND USE OF PROCEEDS

         Not applicable.

Item 3.  DEFAULTS UPON SENIOR SECURITIES

         Not applicable.

Item 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

         Not applicable.

Item 5.  OTHER INFORMATION

         Not applicable.

Item 6.  EXHIBITS AND REPORTS ON FORM 8-K

                 (a)  Exhibits

            3.1      Copy of Certificate of Incorporation of IDS Life Insurance
                     Company filed electronically as Exhibit 3.1 to Post
                     Effective Amendment No. 5 to Registration Statement
                     No. 33-28976 is incorporated herein by reference.

            3.2      Copy of the Amended By-laws of IDS Life Insurance Company
                     filed electronically as Exhibit 3.2 to Post-Effective
                     Amendment No. 5 to Registration Statement No. 33-28976 is
                     incorporated herein by reference.

            3.3      Copy of Resolution of the Board of Directors of IDS Life
                     Insurance Company, dated May 5, 1989, establishing IDS Life
                     Account MGA filed electronically as Exhibit 3.3 to
                     Post-Effective Amendment No. 5 to Registration Statement
                     No. 33-28976 is incorporated herein by reference.


<PAGE>

PART II - OTHER INFORMATION (continued)

           4.1      Copy of Non-tax qualified Group Annuity Contract, Form
                    30363C, filed electronically as Exhibit 4.1 to
                    Post-Effective Amendment No. 5 to Registration Statement No.
                    33-28976 is incorporated herein by reference.

           4.2      Copy of Non-tax qualified Group Annuity Certificate,
                    Form 30360C, filed electronically as Exhibit 4.2 to
                    Post-Effective Amendment No. 5 to Registration Statement
                    No. 33-28976 is incorporated herein by reference.

           4.3      Copy of Endorsement No. 30340C-GP to the Group Annuity
                    Contract filed electronically as Exhibit 4.3 to
                    Post-Effective Amendment No. 5 to Registration Statement
                    No. 33-28976 is incorporated herein by reference.

           4.4      Copy of Endorsement No. 30340C to the Group Annuity
                    Certificate filed electronically as Exhibit 4.4 to
                    Post-Effective Amendment No. 5 to Registration Statement
                    No. 33-28976 is incorporated herein by reference.

           4.5      Copy of Tax qualified Group Annuity Contract, Form 30369C,
                    filed electronically as Exhibit 4.5 to Post-Effective
                    Amendment No. 10 to Registration Statement No. 33-28976 is
                    incorporated herein by reference.

           4.6      Copy of Tax qualified Group Annuity Certificate,
                    Form 30368C, filed electronically as Exhibit 4.6 to
                    Post-Effective Amendment No. 10 to Registration Statement
                    No. 33-28976 is incorporated herein by reference.

           4.7      Copy of Group IRA Annuity Contract, Form 30372C, filed
                    electronically as Exhibit 4.7 to Post-Effective Amendment
                    No. 10 to Registration Statement No. 33-28976 is
                    incorporated herein by reference.

           4.8      Copy of Group IRA Annuity Certificate, Form 30371C, filed
                    electronically as Exhibit 4.8 to Post-Effective Amendment
                    No. 10 to Registration Statement No. 33-28976 is
                    incorporated herein by reference.

           4.9      Copy of Non-tax qualified Individual Annuity Contract, Form
                    30365D, filed electronically as Exhibit 4.9 to
                    Post-Effective Amendment No. 10 to Registration Statement
                    No. 33-28976 is incorporated herein by reference.

<PAGE>

PART II - OTHER INFORMATION (continued)

          4.10     Copy of Endorsement No. 30379 to the Individual Annuity
                   Contract, filed electronically as Exhibit 4.10 to
                   Post-Effective Amendment No. 10 to Registration Statement
                   No. 33-28976 is incorporated herein by reference.

          4.11     Copy of Tax qualified Individual Annuity Contract, Form
                   30370C, filed electronically as Exhibit 4.11 to
                   Post-Effective Amendment No. 10 to Registration Statement
                   No. 33-28976 is incorporated herein by reference.

          4.12     Copy of Individual IRA Annuity Contract, Form 30373C, filed
                   electronically as Exhibit 4.12 to Post-Effective Amendment
                   No. 10 to Registration Statement No. 33-28976 is incorporated
                   herein by reference.

          4.13     Copy of Endorsement No. 33007 filed electronically as Exhibit
                   4.13 to Post-Effective Amendment No. 12 to Registration
                   Statement No. 33-28976 is incorporated herein by reference.

          4.14     Copy of Group Annuity Contract, Form 30363D, filed
                   electronically as Exhibit 4.1 to Post-Effective Amendment
                   No. 2 to Registration Statement No. 33-50968 is incorporated
                   herein by reference.

          4.15     Copy of Group Annuity Certificate, Form 30360D, filed
                   electronically as Exhibit 4.2 to Post-Effective Amendment
                   No. 2 to Registration Statement No. 33-50968 is incorporated
                   herein by reference.

          4.16     Form of Deferred Annuity Contract, Form 30365E, filed
                   electronically as Exhibit 4.3 to Post-Effective Amendment
                   No. 2 to Registration Statement No. 33-50968 is incorporated
                   herein by reference.

          4.17     Form of Group Deferred Variable Annuity Contract, Form 34660,
                   filed electronically as Exhibit 4.1 to Post-Effective
                   Amendment No. 2 to Registration Statement No. 33-48701
                   is incorporated herein by reference.

          4.18     Copy of Non-tax qualified Group Annuity Contract, Form 33111,
                   filed electronically as Exhibit 4.1 to Registration Statement
                   No. 333-42793 is incorporated herein by reference.

<PAGE>

PART II - OTHER INFORMATION (continued)

          4.19     Copy of Non-tax qualified Group Annuity Certificate,  Form
                   33114, filed electronically as Exhibit 4.2 to Registration
                   Statement No. 333-42793 is incorporated herein by reference.

          4.20     Copy of Tax qualified Group Annuity Contract, Form 33112,
                   filed electronically as Exhibit 4.3 to Registration Statement
                   No. 333-42793 is incorporated herein by reference.

          4.21     Copy of Tax qualified Group Annuity Certificate, Form 33115,
                   filed electronically as Exhibit 4.4 to Registration Statement
                   No. 333-42793 is incorporated herein by reference.

          4.22     Copy of Group IRA Annuity Contract, Form 33113, filed
                   electronically as Exhibit 4.5 to Registration Statement No.
                   333-42793 is incorporated herein by reference.

          4.23     Copy of Group IRA Annuity Certificate, Form 33116, filed
                   electronically as Exhibit 4.6 to Registration Statement No.
                   333-42793 is incorporated herein by reference.

          4.24     Copy of Non-tax qualified Individual Annuity Contract, Form
                   30484, filed electronically as Exhibit 4.7 to Post-Effective
                   Amendment No. 1 to Registration Statement No. 333-42793 is
                   incorporated herein by reference.

          4.25     Copy of  Tax qualified Individual Annuity Contract, Form
                   30485, filed electronically as Exhibit 4.8 to Post-Effective
                   Amendment No. 1 to Registration Statement No. 333-42793 is
                   incorporated herein by reference.

          4.26     Copy of Individual IRA Contract, Form 30486, filed
                   electronically as Exhibit 4.9 to Post-Effective Amendment
                   No. 1 to Registration Statement No. 333-42793 is incorporated
                   herein by reference.

          27.      Financial data schedule is filed electronically herewith.

                   (b) No reports on Form 8-K were required to be filed by the
                   Company for the six months ended June 30, 2000.

<PAGE>

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

REGISTRANT                                IDS LIFE INSURANCE COMPANY

BY                                        /s/Philip C. Wentzel
NAME AND TITLE                            Philip C. Wentzel
                                          Vice President and Controller

DATE                                      August 10, 2000