<PAGE>
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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-4
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
Post-Effective Amendment No. 14 (File No. 33-4173) X
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
(File No. 811-3217) Amendment No. 16 X
IDS LIFE ACCOUNT F
IDS LIFE ACCOUNT IZ
IDS LIFE ACCOUNT JZ
IDS LIFE ACCOUNT G
IDS LIFE ACCOUNT H
IDS LIFE ACCOUNT N
___________________________________________________________________
(Exact Name of Registrant)
IDS Life Insurance Company
___________________________________________________________________
(Name of Depositor)
IDS Tower 10, Minneapolis, MN 55440-0010
___________________________________________________________________
(Address of Depositor's Principal Executive Offices) (Zip Code)
Depositor's Telephone Number, including Area Code (612) 671-3678
Mary Ellyn Minenko, IDS Tower 10, Minneapolis, MN 55440-0010
___________________________________________________________________
(Name and Address of Agent for Service)
It is proposed that this filing will become effective:
immediately upon filing pursuant to paragraph (b) of Rule 485
X on May 1, 1995 pursuant to paragraph (b) of Rule 485
60 days after filing pursuant to paragraph (a)(i) of Rule 485
on (date) pursuant to paragraph (a)(i) of Rule 485
75 days after filing pursuant to paragraph (a)(ii) of Rule 485
on (date) pursuant to paragraph (a)(ii) of Rule 485
If appropriate, check the following box:
this post-effective amendment designates a new effective date
for previously filed post-effective amendment.
The Registrant has registered an indefinite number or amount of
securities under the Securities Act of 1933 pursuant to Section
24-f of the Investment Company Act of 1940. Registrant's Rule
24f-2 Notice for its most recent fiscal year was filed on or about
February 28, 1995.<PAGE>
PAGE 2
Parts A and B were filed electronically on April 20, 1995 to Post-
Effective Amendment No. 13 to Registration Statement No. 33-4173
and are incorporated herein by reference.
<PAGE>
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PART C.
Item 24. Financial Statements and Exhibits
(a) Financial Statements were filed electronically on April 20,
1995 to Post-Effective Amendment No. 13 to Registration
Statement No. 33-4173 and are incorporated herein by
reference.
(b) Exhibits:
1.1 Resolution of the Executive Committee of the Board of
Directors of IDS Life adopted May 13, 1981, filed
electronically as Exhibit 1.1 to Post-Effective Amendment No.
11 to Registration Statement No. 33-4173 is incorporated
herein by reference.
1.2 Resolution of the Board of Directors of IDS Life establishing
Account N on April 17, 1985, filed electronically as Exhibit
1.2 to Post-Effective Amendment No. 11 to Registration
Statement No. 33-4173 is incorporated herein by reference.
1.3 Resolution of the Board of Directors of IDS Life establishing
Account IZ and Account JZ on Sept. 20, 1991, filed
electronically as Exhibit 1.3 to Post-Effective Amendment No.
11 to Registration Statement No. 33-4173 is incorporated
herein by reference.
2. Not applicable.
3. Not applicable.
4.1 Copy of Qualified Deferred Annuity Contract (form 30307)
filed electronically as Exhibit 4.1 to Post-Effective
Amendment No. 11 to Registration Statement No. 33-4173 is
incorporated herein by reference.
4.2 Copy of Non-Qualified Deferred Annuity Contract (form 30302D)
filed electronically as Exhibit 4.2 to Post-Effective
Amendment No. 11 to Registration Statement No. 33-4173 is
incorporated herein by reference.
4.3 Copy of Deferred Annuity Contract (IRA) (form 30307) filed
electronically as Exhibit 4.3 to Post-Effective Amendment No.
11 to Registration Statement No. 33-4173 is incorporated
herein by reference.
5 Copy of Application for IDS Flexible Annuity Contract, filed
as Exhibit 5(b) to Registration Statement No. 33-4173 is
incorporated herein by reference.
6.1 Copy of Certificate of Incorporation of IDS Life dated July
24, 1957, filed electronically as Exhibit 6.1 to Post-
Effective Amendment No. 12 to Registration Statement No. 33-
4173 is incorporated herein by reference.
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6.2 Copy of Amended By-Laws of IDS Life filed electronically as
Exhibit 6.2 to Post-Effective Amendment No. 12 to
Registration Statement No. 33-4173 is incorporated herein by
reference.
7. Not applicable.
8. Not applicable.
9. Opinion of counsel and consent to its use as to the legality
of the securities being registered was filed with
Registrant's 24f-2 Notice on or about February 28, 1994.
10. Consent of Independent Auditors filed electronically as
Exhibit 10 to Post-Effective Amendment No. 13 to Registration
Statement No. 33-4173 and is incorporated herein by
reference.
11. Financial Statement Schedules and Report of Independent
Auditors, filed electronically as Exhibit 11 to Post-
Effective Amendment No. 13 to Registration Statement No. 33-
4173 and is incorporated herein by reference.
12. Not applicable.
13. Not applicable.
14. Financial Data Schedules filed electronically herewith.
15 Power of Attorney dated March 31, 1994, filed electronically
as Exhibit 14.2 to Post-Effective Amendment No. 12 to
Registration Statement No. 33-4173 is incorporated herein by
reference.
<TABLE><CAPTION>
Item 25. Directors and Officers of the Depositor (IDS
Life Insurance Company)
Positions and
Name Principal Business Address Offices with Depositor
<S> <C> <C>
Timothy V. Bechtold IDS Tower 10 Vice President-Risk
Minneapolis, MN 55440 Management Products
David J. Berry IDS Tower 10 Vice President
Minneapolis, MN 55440
Alan R. Dakay IDS Tower 10 Vice President-
Minneapolis, MN 55440 Institutional Insurance
Marketing
Robert M. Elconin IDS Tower 10 Vice President
Minneapolis, MN 55440
Louis C. Fornetti IDS Tower 10 Director
Minneapolis, MN 55440
Morris Goodwin Jr. IDS Tower 10 Vice President and Treasurer
Minneapolis, MN 55440
<PAGE>
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Item 25. Directors and Officers of the Depositor (IDS Life Insurance Company
(cont'd)
Lorraine R. Hart IDS Tower 10 Vice President-Investments
Minneapolis, MN 55440
David R. Hubers IDS Tower 10 Director
Minneapolis, MN 55440
James M. Jensen IDS Tower 10 Vice President-Insurance
Minneapolis, MN 55440 Product Development
Richard W. Kling IDS Tower 10 Director and President
Minneapolis, MN 55440
Paul F. Kolkman IDS Tower 10 Director and Executive
Minneapolis, MN 55440 Vice President
Ryan R. Larson IDS Tower 10 Vice President-
Minneapolis, MN 55440 Annuity Product
Development
Peter A. Lefferts IDS Tower 10 Director and Executive
Minneapolis, MN 55440 Vice President-
Marketing
Janis E. Miller IDS Tower 10 Director and Executive
Minneapolis, MN 55440 Vice President-
Variable Assets
James A. Mitchell IDS Tower 10 Director, Chairman of
Minneapolis, MN 55440 the Board and Chief
Executive Officer
Barry J. Murphy IDS Tower 10 Director and Executive
Minneapolis, MN 55440 Vice President-
Client Service
Mary O. Neal IDS Tower 10 Vice President-
Minneapolis, MN 55440 Sales Support
James R. Palmer IDS Tower 10 Vice President-Taxes
Minneapolis, MN 55440
Stuart A. Sedlacek IDS Tower 10 Director and Executive
Minneapolis, MN 55440 Vice President-Assured
Assets
F. Dale Simmons IDS Tower 10 Vice President-
Minneapolis, MN 55440 Real Estate
Loan Management
William A. Stoltzmann IDS Tower 10 Vice President, General
Minneapolis, MN 55440 Counsel and Secretary
Melinda S. Urion IDS Tower 10 Director, Executive
Minneapolis, MN 55440 Vice President and
Controller
/TABLE
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Item 26. Persons Controlled by or Under Common Control with the
Depositor or Registrant
IDS Life Insurance Company is a wholly owned subsidiary
of American Express Financial Corporation. American
Express Financial Corporation is a wholly owned
subsidiary of American Express Company (American
Express).
The following list includes the names of major
subsidiaries of American Express.
Jurisdiction
Name of Subsidiary of Incorporation
I. Travel Related Services
American Express Travel Related New York
Services Company, Inc.
II. International Banking Services
American Express Bank Ltd. Connecticut
III. Companies engaged in Investors
Diversified Financial Services
American Centurion Life Insurance Company New York
American Enterprise Investment Services Inc. Minnesota
American Enterprise Life Insurance Company Indiana
Item 26. Persons Controlled by or Under Common Control with the
Depositor or Registrant (Continued)
Jurisdiction
Name of Subsidiary of Incorporation
American Express Financial Advisors Inc. Delaware
American Express Financial Corporation Delaware
American Express Minnesota Foundation Minnesota
American Express Service Corporation Delaware
American Express Tax and Business
Services Inc. Minnesota
American Express Trust Company Minnesota
American Partners Life Insurance Company Arizona
IDS Advisory Group Inc. Minnesota
IDS Aircraft Services Corporation Minnesota
IDS Cable Corporation Minnesota
IDS Cable II Corporation Minnesota
IDS Capital Holdings Inc. Minnesota
IDS Certificate Company Delaware
IDS Deposit Corp. Utah
IDS Fund Management Limited U.K.
IDS Futures Corporation Minnesota
IDS Futures III Corporation Minnesota
IDS Insurance Agency of Alabama Inc. Alabama
IDS Insurance Agency of Arkansas Inc. Arkansas
IDS Insurance Agency of Massachusetts Inc. Massachusetts
IDS Insurance Agency of Mississippi Inc. Mississippi<PAGE>
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IDS Insurance Agency of Nevada Inc. Nevada
IDS Insurance Agency of New Mexico Inc. New Mexico
IDS Insurance Agency of North Carolina Inc. North Carolina
IDS Insurance Agency of Ohio Inc. Ohio
IDS Insurance Agency of Texas Inc. Texas
IDS Insurance Agency of Utah Inc. Utah
IDS Insurance Agency of Wyoming Inc. Wyoming
IDS International, Inc. Delaware
IDS Life Insurance Company Minnesota
IDS Life Insurance Company of New York New York
IDS Management Corporation Minnesota
IDS Partnership Services Corporation Minnesota
IDS Plan Services of California, Inc. Minnesota
IDS Property Casualty Insurance Company Wisconsin
IDS Real Estate Services, Inc. Delaware
IDS Realty Corporation Minnesota
IDS Sales Support Inc. Minnesota
IDS Securities Corporation Delaware
Investors Syndicate Development Corp. Nevada
Item 27. Number of Contractowners
On March 31, 1995, there were contract owners of
qualified Flexible Annuity contracts. There were
owners of non-qualified contracts.
Item 28. Indemnification
The By-Laws of the depositor provide that it shall
indemnify any person who was or is a party or is
threatened to be made a party, by reason of the fact that
he is or was a director, officer, employee or agent of
this Corporation, or is or was serving at the direction
of the Corporation as a director, officer, employee or
agent of another corporation, partnership, joint venture,
trust or other enterprise, to any threatened, pending or
completed action, suit or proceeding, wherever brought,
to the fullest extent permitted by the laws of the State
of Minnesota, as now existing or hereafter amended,
provided that this Article shall not indemnify or protect
any such director, officer, employee or agent against any
liability to the Corporation or its security holders to
which he would otherwise be subject by reason of willful
misfeasance, bad faith, or gross negligence, in the
performance of his duties or by reason of his reckless
disregard of his obligations and duties.
Insofar as indemnification for liability arising under the
Securities Act of 1933 may be permitted to director, officers and
controlling persons of the registrant pursuant to the foregoing
provisions, or otherwise, the registrant has been advised that in
the opinion of the Securities and Exchange Commission such
indemnification is against public policy as expressed in the Act
and is, therefore, unenforceable. In the event that a claim for
indemnification against such liabilities (other than the payment by
the registrant of expenses incurred or paid by a director, officer
or controlling person of the registrant in the successful defense
of any action, suit or proceeding) is asserted by such director,
officer or controlling person in connection with the securities<PAGE>
PAGE 8
being registered, the registrant will, unless in the opinion of its
counsel the matter has been settled by controlling precedent,
submit to a court of appropriate jurisdiction the question whether
such indemnification by it is against public policy as expressed in
the Act and will be governed by the final adjudication of such
issue.
Item 29. Principal Underwriters
(a) IDS Life is the principal underwriter for IDS Life
Accounts F, IZ, JZ, G, H and N, IDS Life Variable
Annuity Fund A, IDS Life Variable Annuity Fund B,
IDS Life Account RE, IDS Life Account MGA and IDS
Life Account SBS.
(b) This table is the same as our response to Item 25 of
this Registration Statement.
<TABLE><CAPTION>
(c)
Name of Net Underwriting
Principal Discounts and Compensation on Brokerage Other
Underwriter Commissions Redemption Commissions Compensation
<S> <C> <C> <C> <C>
IDS Life None $6,969,493.29 None None
</TABLE>
Item 30. Location of Accounts and Records
IDS Life Insurance Company
IDS Tower 10
Minneapolis, MN
Item 31. Management Services
Not applicable.
Item 32. Undertakings
(a) (b) & (c) These undertakings were filed with the
Registrant's initial Registration Statements,
File No. 33-4173 and 811-3217.
(d) Registrant represents that it is relying upon
the no-action assurance given to the American
Council of Life Insurance (pub. avail. Nov. 28,
1989). Further, Registrant represents that it
has complied with the provisions of paragraphs
(1)-(4) of that no-action letter.
<PAGE>
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SIGNATURES
As required by the Securities Act of 1933 and the Investment
Company Act of 1940, IDS Life Insurance Company, on behalf of the
Registrant certifies that it meets the requirements of Securities
Act Rule 485(b) for effectiveness of this Registration Statement
and has caused this Registration Statement to be signed on its
behalf in the City of Minneapolis, and State of Minnesota, on the
27th day of April, 1995.
IDS LIFE ACCOUNT F
IDS LIFE ACCOUNT IZ
IDS LIFE ACCOUNT JZ
IDS LIFE ACCOUNT G
IDS LIFE ACCOUNT H
IDS LIFE ACCOUNT N
(Registrant)
By IDS Life Insurance Company
(Sponsor)
By /s/ Richard W. Kling*
Richard W. Kling
President
As required by the Securities Act of 1933, this Registration
Statement has been signed by the following persons in the
capacities indicated on the 27th day of April, 1995.
Signature Title
/s/ James A. Mitchell* Chairman of the Board
James A. Mitchell and Chief Executive
Officer
/s/ Richard W. Kling* Director and President
Richard W. Kling
/s/ Louis C. Fornetti* Director
Louis C. Fornetti
/s/ David R. Hubers* Director
David R. Hubers
/s/ Paul F. Kolkman* Director and Executive Vice
Paul F. Kolkman President
/s/ Peter A. Lefferts* Director and Executive Vice
Peter A. Lefferts President, Marketing
/s/ Janis E. Miller* Director and Executive Vice
Janis E. Miller President, Variable Assets
/s/ Barry J. Murphy* Director and Executive Vice
Barry J. Murphy President, Client Service
<PAGE>
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Signature Title
/s/ Stuart A. Sedlacek* Director and Executive Vice
Stuart A. Sedlacek President, Assured Assets
/s/ Melinda S. Urion* Director, Exective Vice
Melinda S. Urion President and Controller
*Signed pursuant to Power of Attorney dated March 31, 1994, filed
electronically as Exhibit 14.2 to Post-Effective Amendment No. 12
to Registration Statement No. 33-4173 is incorporated herein by
reference.
/s/ Mary Ellyn Minenko
Mary Ellyn Minenko
<PAGE>
PAGE 11
CONTENTS OF REGISTRATION STATEMENT NO. 14
This Registration Statement is comprised of the following papers
and documents:
The Cover Page.
Part A and Part B are incorporated herein by reference to Post-
Effective Amendment No. 13, filed on April 20, 1995.
Part C.
Other Information.
The signatures.
Exhibits.
IDS Life Accounts F, IZ, JZ, G, H & N
Registration Number 33-4173/811-3217
EXHIBIT INDEX
14 Financial Data Schedules
IDS Life Insurance Company
IDS Life Accounts F, IZ, JZ, G, H, & N
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 7
<CIK> 0000353965
<NAME> IDS Life Insurance Company
<MULTIPLIER> 1000
<CURRENCY> U.S. DOLLAR
<FISCAL-YEAR-END> DEC-31-1993 DEC-31-1994
<PERIOD-START> JAN-01-1993 JAN-01-1994
<PERIOD-END> DEC-31-1993 DEC-31-1994
<PERIOD-TYPE> YEAR YEAR
<EXCHANGE-RATE> 1 1
<DEBT-HELD-FOR-SALE> 0 8017555
<DEBT-CARRYING-VALUE> 19392424 11269861
<DEBT-MARKET-VALUE> 20425979 10694800
<EQUITIES> 1900 1906
<MORTGAGE> 2055450 2400514
<REAL-ESTATE> 27484 20835
<TOTAL-INVEST> 21854682 22121637
<CASH> 146281 267774
<RECOVER-REINSURE> 1293 1110
<DEFERRED-ACQUISITION> 1652384 1865324
<TOTAL-ASSETS> 33057753 35747543
<POLICY-LOSSES> 21641067 22708910
<UNEARNED-PREMIUMS> 0 0
<POLICY-OTHER> 0 0
<POLICY-HOLDER-FUNDS> 44516 50068
<NOTES-PAYABLE> 0 0
<COMMON> 3000 3000
0 0
0 0
<OTHER-SE> 1690346 1585691
<TOTAL-LIABILITY-AND-EQUITY>33057753 35747543
127245 144640
<INVESTMENT-INCOME> 1783219 1781873
<INVESTMENT-GAINS> (6737) (4282)
<OTHER-INCOME> 304344 384105
<BENEFITS> 1341638 1303351
<UNDERWRITING-AMORTIZATION> 211733 280372
<UNDERWRITING-OTHER> 241974 210101
<INCOME-PRETAX> 412726 512512
<INCOME-TAX> 142647 176343
<INCOME-CONTINUING> 270079 336169
<DISCONTINUED> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 270079 336169
<EPS-PRIMARY> 0 0
<EPS-DILUTED> 0 0
<RESERVE-OPEN> 18004 20636
<PROVISION-CURRENT> 94976 93683
<PROVISION-PRIOR> 0 0
<PAYMENTS-CURRENT> 92344 91091
<PAYMENTS-PRIOR> 0 0
<RESERVE-CLOSE> 20636 23228
<CUMULATIVE-DEFICIENCY> 0 0
</TABLE>
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 6
<CIK> 0000353965
<NAME> IDS Life Accounts F, IZ, JZ, G, H and N
<CURRENCY> U.S. DOLLAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-START> JAN-01-1994
<PERIOD-END> DEC-31-1994
<PERIOD-TYPE> YEAR
<EXCHANGE-RATE> 1
<INVESTMENTS-AT-COST> 8699183488
<INVESTMENTS-AT-VALUE> 8786451732
<RECEIVABLES> 22125580
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 8808577312
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> (28392577)
<TOTAL-LIABILITIES> (28392577)
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 0
<SHARES-COMMON-STOCK> 3844459289
<SHARES-COMMON-PRIOR> 2632121714
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 8780184735
<DIVIDEND-INCOME> 621490378
<INTEREST-INCOME> 0
<OTHER-INCOME> 0
<EXPENSES-NET> (80635120)
<NET-INVESTMENT-INCOME> 540855258
<REALIZED-GAINS-CURRENT> (5694251)
<APPREC-INCREASE-CURRENT> (797976943)
<NET-CHANGE-FROM-OPS> (262815936)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1477247921
<NUMBER-OF-SHARES-REDEEMED>(264910346)
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 1642273889
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> (80635120)
<AVERAGE-NET-ASSETS> 7959047790
<PER-SHARE-NAV-BEGIN> 0
<PER-SHARE-NII> 0
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 0
<EXPENSE-RATIO> 0
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
