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Prospectus Supplement - March 21, 1994
IDS Life Insurance Company of New York Flexible Annuity -
(April 30, 1993)
The following information replaces or modifies that contained in
these prospectus sections:
"Charges Against the Accounts"
(Page 3, third paragraph is replaced by the following): - Amounts
representing earnings, and amounts representing purchase payments
more than six years old, may be surrendered without charge. A
surrender charge of 7 percent applies to any other amount
surrendered. The surrender charge does not apply to amounts
surrendered after the later of the annuitant's age 65 or the 10th
contract anniversary (page 14).
(Pages 14-15, the following is added to the end of the section
entitled "Surrender Charges"): - There is no surrender charge on
amounts surrendered after the later of the annuitant's age 65 or
the 10th contract anniversary.
"Payment in Case of Death before Retirement Payments Begin"
(Page 4, the following replaces the section in the prospectus): -If
you or the annuitant dies before the retirement date and the
annuitant's 75th birthday, we will pay the beneficiary the greater
of:
* the contract value; or
* the contract value as of the most recent 6th contract
anniversary, minus any surrenders since that anniversary; or
* purchase payments, minus any surrenders (page 17).
If death occurs on or after the annuitant's 75th birthday, we will
pay the beneficiary the greater of:
* the contract value; or
* the contract value as of the most recent 6th contract
anniversary, minus any surrenders since that anniversary
(page 17).
(Page 17, the following replaces the sections in the prospectus
entitled "Payment in Case of Death before Retirement Payments
Begin," "If Your Spouse is Sole Beneficiary" and "Section 401(k)
Plans, TSAs, Section 457 Plans, Custodial and Trusteed Plans and
IRAs") - If you or the annuitant die (or, under an annuity
purchased for a Section 401(k) plan, TSA, Section 457 plan,
custodial or trusteed plan or IRA, if the annuitant dies) before
the annuitant's 75th birthday and before the retirement date, we
will pay the beneficiary the greater of:
* the contract value; or
* the contract value as of the most recent 6th contract
anniversary, minus any surrenders since that anniversary; or
* purchase payments, minus any surrenders.
If death occurs on or after the annuitant's 75th birthday and
before the retirement date, we will pay the beneficiary the greater
of:
* the contract value; or
* the contract value as of the most recent 6th contract
anniversary, minus any surrenders since that anniversary.
If your Spouse is Sole Beneficiary - If you die before the
retirement date and your spouse is the only beneficiary, your
spouse may keep the annuity as owner. To do this, your spouse
must, within 60 days after we receive proof of death, give us
written instructions to keep the contract in force.
Under a Section 401(k) plan, Section 457 plan, Custodial or
Trusteed plan, TSA or IRA, if the annuitant dies before reaching
age 70 1/2, before the retirement date and the spouse is the only
beneficiary, the spouse may keep the annuity in force until the
date on which the annuitant would have reached age 70 1/2. To do
this, the spouse must, within 60 days after we receive proof of
death, give us written instructions to keep the contract in force.
Please keep this supplemental information with your IDS Life
Insurance Company of New York Flexible Annuity prospectus and your
Retirement Annuity Mutual Funds prospectus.
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