IDS LIFE OF NEW YORK ACCOUNT 4
485BPOS, 1995-04-27
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<PAGE>
PAGE 1
                SECURITIES AND EXCHANGE COMMISSION

                      Washington, D.C.  20549

                             FORM N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

     Post-Effective Amendment No.   12   (File No. 33-4174)     X  

                              and/or

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

     Amendment No.   14   (File No. 811-3500)                   X  

                  IDS LIFE OF NEW YORK ACCOUNT 4
                  IDS LIFE OF NEW YORK ACCOUNT 5
                  IDS LIFE OF NEW YORK ACCOUNT 6
                  IDS LIFE OF NEW YORK ACCOUNT 9
                  IDS LIFE OF NEW YORK ACCOUNT 10
                  IDS LIFE OF NEW YORK ACCOUNT 11
___________________________________________________________________
                    (Exact Name of Registrant)

              IDS Life Insurance Company of New York 
___________________________________________________________________
                        (Name of Depositor)

          20 Madison Avenue Extension, Albany, NY  12203 
___________________________________________________________________
  (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. 11 to Registration Statement No. 33-4174
and are incorporated herein by reference.<PAGE>
PAGE 3
PART C.

Item 24.    Financial Statements and Exhibits

(a)   Financial Statements were filed electronically on April 20,
      1995 to Post-Effective Amendment No. 11 to Registration
      Statement No. 33-4174 and are incorporated herein by
      reference.

(b)   Exhibits:

1.1   Resolution of the Executive Committee of the Board of
      Directors of IDS Life of New York dated November 12, 1981,
      filed electronically as Exhibit 1.1 to Post-Effective
      Amendment No. 9 to Registration Statement No. 33-4174, is
      incorporated herein by reference.

1.2   Resolution of the Executive Committee of the Board of
      Directors of IDS Life of New York establishing Account 9 on
      Feb. 12, 1986, filed electronically as Exhibit 1.2 to Post-
      Effective Amendment No. 9 to Registration Statement No. 33-
      4174, is incorporated herein by reference.

1.3   Resolution of the Board of Directors of IDS Life Insurance
      Company of New York establishing Accounts 10 and 11 on Oct.
      8, 1991, filed electronically as Exhibit 1.3 to Post-
      Effective Amendment No. 10 to Registration Statement No. 33-
      4174 is incorporated herein by reference.

2.    Not applicable.

3.    Form of Variable Annuity and Life Insurance Distribution
      Agreement, filed electronically as Exhibit 3 to Post-
      Effective Amendment No. 9 to Registration Statement No. 33-
      4174, is incorporated herein by reference.

4.1   Copy of form of Qualified Deferred Annuity Contract (form
      39192), filed electronically as Exhibit 4.1 to Post-Effective
      Amendment No. 9 to Registration Statement No. 33-4174, is
      incorporated herein by reference.

4.2   Copy of form of Non-Qualified Deferred Annuity Contract (form
      39191), filed electronically as Exhibit 4.2 to Post-Effective
      Amendment No. 9 to Registration Statement No. 33-4174, is
      incorporated herein by reference.

4.3   Copy of form of Deferred Annuity Contract (IRA) (form 39192
      IRA), filed electronically as Exhibit 4.3 to Post-Effective
      Amendment No. 9 to Registration Statement No. 33-4174, is
      incorporated herein by reference.
            
5     Copy of Form of Application for IDS Flexible Annuity Contract
      of New York, filed electronically as Exhibit 5.2 to Post-
      Effective Amendment No. 9 to Registration Statement No. 33-
      4174, is incorporated herein by reference.

6.1   Revised Charter of IDS Life of New York dated April, 1992,
      filed electronically as Exhibit 6.1 to Post-Effective<PAGE>
PAGE 4
      Amendment No. 10 to Registration Statement No. 33-4174 is
      incorporated herein by reference.

6.2   By-Laws of IDS Life of New York, dated May, 1992, filed
      electronically as Exhibit 6.2 to Post-Effective Amendment No.
      10 to Registration Statement No. 33-4174 is incorporated
      herein by reference.

7.    Not applicable.

8.    Not applicable.

9.    Opinion of counsel as to the legality of the securities being
      registered and consent to its use was filed with Registrant's
      24f-2 Notice on or about Feb. 28, 1995.

10.   Consent of Independent Auditors, filed electronically as
      Exhibit 10 to Post-Effective Amendment No. 11 to Registration
      Statement No. 33-4174 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. 11 to Registration Statement No. 33-
      4174 and is incorporated herein by reference.

12.   Not applicable.

13.   Not applicable.

14.   Financial Data Schedules filed electronically herewith.

15.   Powers of Attorney dated April 18, 1994, filed electronically
      as Exhibit 14.2 to Post-Effective Amendment No. 10 to
      Registration Statement No. 33-4174 is incorporated herein by
      reference.

Item 25.    Directors and Officers of the Depositor (IDS Life
            Insurance Company of New York)
<TABLE><CAPTION>
                                                        Positions and
Name                     Principal Business Address     Offices with Depositor
<S>                      <C>                            <C>
Mario Alaia              20 Madison Avenue Extension    Claims Officer and
                         Albany, NY                       Assistant Secretary

Tracy A. Anderson        IDS Tower 10                   Treasurer and Chief Actuary
                         Minneapolis, MN  55440

Darrell C. Beckstrom     IDS Tower 10                   Underwriting Officer
                         Minneapolis, MN  55440

John C. Boeder           20 Madison Avenue Extension    Director
                         Albany, NY

Michael B. Carlin        20 Madison Avenue Extension    General Counsel and
                         Albany, NY                       Secretary
<PAGE>
PAGE 5
Item 25.    Directors and Officers of the Depositor (IDS Life Insurance Company of New York)
            
                                                        Positions and
Name                     Principal Business Address     Offices with Depositor
Roger C. Corea           20 Madison Avenue Extension    Director
                         Albany, NY

Charles A. Cuccinello    20 Madison Avenue Extension    Director
                         Albany, NY

Milton R. Fenster        20 Madison Avenue Extension    Director
                         Albany, NY

Margaret M. Grogan, M.D. Bethlehem Terrace Apts.        Medical Director
                         Slingerland, NY

Lorraine R. Hart         IDS Tower 10                   Investment Officer
                         Minneapolis, MN  55440

Robert A. Hatten         IDS Tower 10                   Director, Vice
                         Minneapolis, MN  55440           President and Chief
                                                          Operating Officer

Richard W. Kling         IDS Tower 10                   Director, Chairman of
                         Minneapolis, MN  55440           the Board and President

Edward Landes            IDS Tower 10                   Director
                         Minneapolis, MN  55440

Janis E. Miller          IDS Tower 10                   Executive Vice President
                         Minneapolis, MN  55440

Michael P. Monaco        World Financial Center         Director
                         New York, NY  

Stephen P. Norman        World Financial Center         Director
                         New York, NY  

Kevin E. Palmer          IDS Tower 10                   Reinsurance Actuary
                         Minneapolis, MN  55440

Louise M. Parent         World Financial Center         Director
                         New York, NY

Carl N. Platou           IDS Tower 10                   Director
                         Minneapolis, MN  55440

Gordon H. Ritz           404 WCCO Radio Bldg.           Director
                         Minneapolis, MN  

F. Dale Simmons          IDS Tower 10                   Vice President and
                         Minneapolis, MN  55440           Assistant Treasurer

William A. Stoltzmann    IDS Tower 10                   Counsel and Assistant
                         Minneapolis, MN  55440           Secretary

Michael R. Woodward      20 Madison Avenue Extension    Director
                         Albany, NY
/TABLE
<PAGE>
PAGE 6
Item 26.  Persons Controlled by or Under Common Control with the
          Depositor or Registrant

          IDS Life Insurance Company of New York is a wholly owned
          subsidiary of IDS Life Insurance Company which 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
     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
     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<PAGE>
PAGE 7
Item 26.  Persons Controlled by or Under Common Control with the
          Depositor or Registrant (continued)

     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 18,983 contract owners of
          qualified Flexible Annuity contracts.  There were 11,111
          owners of non-qualified contracts.

Item 28.  Indemnification

          The By-Laws of the depositor provide that it shall
          indemnify any person made a party to an action or
          proceeding by or in the right of the depositor to procure
          a judgment in its favor, by reason of the fact that he,
          his testator or intestate, is or was a director or
          officer or employee of the depositor against the
          reasonable expenses, including attorneys' fees, actually
          and necessarily incurred by him in connection with the
          defense of such action or proceeding, or in connection
          with the appeal therein, except in relation to matters as
          to which such person is adjudged to have breached his
          duty to the depositor; and
          
          The depositor shall indemnify any person made, or
          threatened to be made a party to an action or proceeding
          other than one by or in the right of the depositor to
          procure a judgment in its favor, whether civil or
          criminal, including an action by or in the right of any
          other corporation of any type or kind domestic or
          foreign, which any director or officer or employee of the
          depositor served in any capacity at the request of the
          depositor, by reason of the fact that he, his testator or
          intestate, was a director or officer or employee of the
          depositor, or served such other corporation in any
          capacity, against judgments, fines, amounts paid in
          settlement and reasonable expenses, including attorneys'
          fees, actually and necessarily incurred as a result of
          such action or proceeding, or any appeal therein, if such
          person acted in good faith, for a purpose which he
          reasonably believed to be in the best interests of the
          depositor and, in criminal actions or proceedings, in
          addition had no reasonable cause to believe that his
          conduct was unlawful.
<PAGE>
PAGE 8
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
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)  American Expess Financial Advisors Inc. (formerly IDS
     Financial Services Inc.) acts as principal underwriter
     for the following investment companies:

     IDS Bond Fund, Inc.; IDS California Tax-Exempt Trust; IDS
     Discovery Fund, Inc.; IDS Equity Select Fund, Inc.; IDS Extra
     Income Fund, Inc.; IDS Federal Income Fund, Inc.; IDS Global
     Series, Inc.; IDS Growth Fund, Inc.; IDS High Yield Tax-Exempt
     Fund, Inc.; IDS International Fund, Inc.; IDS Investment
     Series, Inc.; IDS Managed Retirement Fund, Inc.; IDS Market
     Advantage Series, Inc.; IDS Money Market Series, Inc.; IDS New
     Dimensions Fund, Inc.; IDS Precious Metals Fund, Inc.; IDS
     Progressive Fund, Inc.; IDS Selective Fund, Inc.; IDS Special
     Tax-Exempt Series Trust; IDS Stock Fund, Inc.; IDS Strategy
     Fund, Inc.; IDS Tax-Exempt Bond Fund, Inc.; IDS Tax-Free Money
     Fund, Inc.; IDS Utilities Income Fund, Inc. and IDS
     Certificate Company.

(b)   As to each director, officer or partner of the principal
      underwriter:
                                                       
                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Ronald G. Abrahamson     Vice President-              None
IDS Tower 10             Service Quality and
Minneapolis, MN 55440    Reengineering

Douglas A. Alger         Vice President-Total         None
IDS Tower 10             Compensation
Minneapolis, MN 55440

Jerome R. Amundson       Vice President-              None
IDS Tower 10             Investment Accounting
Minneapolis, MN 55440
<PAGE>
PAGE 9
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)
                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   
Peter J. Anderson        Senior Vice President-       None
IDS Tower 10             Investments
Minneapolis, MN 55440

Ward D. Armstrong        Vice President-              None
IDS Tower 10             Sales and Marketing,
Minneapolis, MN  55440   American Express
                         Institutional Services

Alvan D. Arthur          Group Vice President-        None
IDS Tower 10             Central California/
Minneapolis, MN  55440   Western Nevada

Joseph M. Barsky III     Vice President-Senior        None
IDS Tower 10             Portfolio Manager
Minneapolis, MN  55440

Robert C. Basten         Vice President-Tax           None
IDS Tower 10             and Business Services
Minneapolis, MN  55440

Timothy V. Bechtold      Vice President-Risk          None
IDS Tower 10             Management Products
Minneapolis, MN  55440

John D. Begley           Group Vice President-        None
Suite 100                Ohio/Indiana
7760 Olentangy River Rd.
Columbus, OH  43235
Carl E. Beihl            Vice President-              None
IDS Tower 10             Strategic Technology
Minneapolis, MN 55440    Planning

Jack A. Benjamin         Group Vice President-        None
Suite 200                Greater Pennsylvania
3500 Market Street
Camp Hill, PA  17011

Alan F. Bignall          Vice President-              None
IDS Tower 10             Financial Planning
Minneapolis, MN 55440    Systems

Brent L. Bisson          Group Vice President-        None
Ste 900 e Westside Tower Los Angeles Metro
11835 West Olympic Blvd.
Los Angeles, CA  90064

John C. Boeder           Vice President-              None
IDS Tower 10             Mature Market Group
Minneapolis, MN  55440
<PAGE>
PAGE 10
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)
                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Bruce J. Bordelon        Group Vice President-        None
Galleria One Suite 1900  Gulf States
Galleria Blvd.
Metairie, LA  70001

Charles R. Branch        Group Vice President-        None
Suite 200                Northwest
West 111 North River Dr
Spokane, WA  99201

Karl J. Breyer           Senior Vice President-       None
IDS Tower 10             Corporate Affairs and
Minneapolis, MN 55440    Special Counsel

Harold E. Burke          Vice President               None
IDS Tower 10             and Assistant 
Minneapolis, MN 55440    General Counsel

Daniel J. Candura        Vice President-              None
IDS Tower 10             Marketing Support
Minneapolis, MN  55440

Cynthia M. Carlson       Vice President-              None
IDS Tower 10             American Express
Minneapolis, MN  55440   Securities Services

Orison Y. Chaffee III    Vice President-Field         None
IDS Tower 10             Real Estate
Minneapolis, MN 55440

James E. Choat           Senior Vice President-       None
IDS Tower 10             Field Management
Minneapolis, MN  55440

Kenneth J. Ciak          Vice President and           None
IDS Property Casualty    General Manager-
1400 Lombardi Avenue     IDS Property Casualty
Green Bay, WI 54304

Roger C. Corea           Group Vice President-        None
290 Woodcliff Drive      Upstate New York
Fairport, NY  14450

Henry J. Cormier         Group Vice President-        None
Commerce Center One      Connecticut
333 East River Drive
East Hartford, CT  06108

John M. Crawford         Group Vice President-        None
Suite 200                Arkansas/Springfield/Memphis
10800 Financial Ctr Pkwy
Little Rock, AR  72211<PAGE>
PAGE 11
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)

                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Kevin F. Crowe           Group Vice President-        None
Suite 312                Carolinas/Eastern Georgia
7300 Carmel Executive Pk
Charlotte, NC  28226

Alan R. Dakay            Vice President-              None
IDS Tower 10             Institutional Products
Minneapolis, MN 55440    Group


Regenia David            Vice President-              None
IDS Tower 10             Systems Services
Minneapolis, MN  55440

Scott M. Digiammarino    Group Vice President-        None
Suite 500                Washington/Baltimore
8045 Leesburg Pike
Vienna, VA  22182

Bradford L. Drew         Group Vice President-        None
Two Datran Center        Eastern Florida
Penthouse One B
9130 S. Dadeland Blvd.
Miami, FL  33156

William H. Dudley        Director and Executive       None
IDS Tower 10             Vice President-
Minneapolis MN 55440     Investment Operations

Roger S. Edgar           Senior Vice President        None
IDS Tower 10             and Technology Advisor
Minneapolis, MN 55440

Gordon L. Eid            Senior Vice President        None
IDS Tower 10             and General Counsel
Minneapolis, MN 55440

Robert M. Elconin        Vice President-              None
IDS Tower 10             Government Relations
Minneapolis, MN  55440

Mark A. Ernst            Vice President-              None
IDS Tower 10             Retail Services
Minneapolis, MN 55440

Joseph Evanovich Jr.     Group Vice President-        None
One Old Mill             Nebraska/Iowa/Dakotas
101 South 108th Avenue
Omaha, NE  68154
<PAGE>
PAGE 12
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)

                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Louise P. Evenson        Group Vice President-        None
Suite 200                San Francisco Bay Area
1333 N. California Blvd.
Walnut Creek, CA  94596

Gordon M. Fines          Vice President-              None
IDS Tower 10             Mutual Fund Equity
Minneapolis MN 55440     Investments

Louis C. Fornetti        Senior Vice President        Vice
IDS Tower 10             and Chief Financial          President
Minneapolis, MN 55440    Officer

Douglas L. Forsberg      Group Vice President-        None
Suite 100                Portland/Eugene
7931 N. E. Halsey
Portland, OR  97213

William P. Fritz         Group Vice President-        None
Suite 160                Northern Missouri
12855 Flushing Meadows Dr
St. Louis, MO  63131

Carl W. Gans             Group Vice President-        None
8500 Tower Suite 1770    Twin City Metro
8500 Normandale Lake Blvd.
Bloomington, MN  55437

Robert G. Gilbert        Vice President-              None
IDS Tower 10             Real Estate
Minneapolis, MN 55440

John J. Golden           Vice President-              None
IDS Tower 10             Field Compensation
Minneapolis, MN  55440   Development

Morris Goodwin Jr.       Vice President and           Vice
IDS Tower 10             Corporate Treasurer          President &
Minneapolis, MN 55440                                 Treasurer

Suzanne Graf             Vice President-              None
IDS Tower 10             Systems Services
Minneapolis, MN  55440

Bruce M. Guarino         Group Vice President-        None
Suite 1736               Hawaii
1585 Kapiolani Blvd.
Honolulu, HI  96814
<PAGE>
PAGE 13
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)

                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

David A. Hammer          Vice President               None
IDS Tower 10             and Marketing
Minneapolis, MN  55440   Controller

Teresa A. Hanratty       Group Vice President-        None
Suites 6&7               Northern New England
169 South River Road
Bedford, NH  03110

John R. Hantz            Group Vice President-        None
Suite 107                Detroit Metro
17177 N. Laurel Park
Livonia, MI  48154

Robert L. Harden         Group Vice President-        None
Two Constitution Plaza   Boston Metro
Boston, MA  02129

Lorraine R. Hart         Vice President-              None
IDS Tower 10             Insurance Investments
Minneapolis, MN 55440

Scott A. Hawkinson       Vice President-Assured       None
IDS Tower 10             Assets Product Development
Minneapolis, MN 55440    and Management

Brian M. Heath           Group Vice President-        None
Suite 250                North Texas
801 E. Campbell Road
Richardson, TX  75081

Raymond E. Hirsch        Vice President-Senior        None
IDS Tower 10             Portfolio Manager
Minneapolis, MN 55440

James G. Hirsh           Vice President and           None
IDS Tower 10             Assistant General
Minneapolis, MN  55440   Counsel

David J. Hockenberry     Group Vice President-        None
30 Burton Hills Blvd.    Eastern Tennessee
Suite 175
Nashville, TN  37215

Kevin P. Howe            Vice President-              None
IDS Tower 10             Government and
Minneapolis, MN  55440   Customer Relations

David R. Hubers          Chairman, Chief              None
IDS Tower 10             Executive Officer and
Minneapolis, MN 55440    President<PAGE>
PAGE 14
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)

                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Marietta L. Johns        Senior Vice President-       None
IDS Tower 10             Field Management
Minneapolis, MN 55440

Douglas R. Jordal        Vice President-Taxes         None
IDS Tower 10
Minneapolis, MN 55440

James E. Kaarre          Vice President-              None
IDS Tower 10             Marketing Information
Minneapolis, MN  55440

Linda B. Keene           Vice President-              None
IDS Tower 10             Market Development
Minneapolis, MN  55440

G. Michael Kennedy       Vice President-Investment    None
IDS Tower 10             Services and Investment
Minneapolis, MN  55440   Research

Susan D. Kinder          Senior Vice President-       None
IDS Tower 10             Human Resources
Minneapolis, MN 55440

Richard W. Kling         Senior Vice President-       Director,
IDS Tower 10             Risk Management Products     Chairman &
Minneapolis, MN  55440                                President

Paul F. Kolkman          Vice President-              None
IDS Tower 10             Actuarial Finance
Minneapolis, MN 55440

Claire Kolmodin          Vice President-              None
IDS Tower 10             Service Quality
Minneapolis, MN  55440

David S. Kreager         Group Vice President-        None
Ste 108 Trestle Bridge V Greater Michigan
5136 Lovers Lane
Kalamazoo, MI  49002

Steven C. Kumagai        Director and Senior          None
IDS Tower 10             Vice President-Field
Minneapolis, MN 55440    Management and Business
                         Systems

Mitre Kutanovski         Group Vice President-        None
Suite 680                Chicago Metro
8585 Broadway
Merrillville, IN  48410
<PAGE>
PAGE 15
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)
                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Edward Labenski          Vice President-              None
IDS Tower 10             Senior Portfolio
Minneapolis, MN 55440    Manager

Kurt A. Larson           Vice President-              None
IDS Tower 10             Senior Portfolio
Minneapolis, MN  55440   Manager

Lori J. Larson           Vice President-              None
IDS Tower 10             Variable Assets Product
Minneapolis, MN  55440   Development

Ryan R. Larson           Vice President-              None
IDS Tower 10             IPG Product Development
Minneapolis, MN 55440

Daniel E. Laufenberg     Vice President and           None
IDS Tower 10             Chief U.S. Economist
Minneapolis, MN  55440

Richard J. Lazarchic     Vice President-              None
IDS Tower 10             Senior Portfolio 
MInneapolis, MN  55440   Manager

Peter A. Lefferts        Senior Vice President-       None
IDS Tower 10             Corporate Strategy and
Minneapolis, MN  55440   Development

Douglas A. Lennick       Director and Executive       None
IDS Tower 10             Vice President-Private
Minneapolis, MN  55440   Client Group

Mary J. Malevich         Vice President-              None
IDS Tower 10             Senior Portfolio
Minneapolis, MN 55440    Manager

Fred A. Mandell          Vice President-              None
IDS Tower 10             Field Marketing Readiness
Minneapolis, MN  55440

Daniel E. Martin         Group Vice President-        None
Suite 650                Pittsburgh Metro
5700 Corporate Drive
Pittsburgh, PA  15237

William J. McKinney      Vice President-              None
IDS Tower 10             Field Management
Minneapolis, MN  55440   Support

Thomas W. Medcalf        Vice President-              None
IDS Tower 10             Senior Portfolio Manager
Minneapolis, MN 55440<PAGE>
PAGE 16
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)
                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

William C. Melton        Vice President-              None
IDS Tower 10             International Research
Minneapolis, MN 55440    and Chief International 
                         Economist

Janis E. Miller          Vice President-              Director
IDS Tower 10             Variable Assets
Minneapolis, MN 55440
James A. Mitchell        Executive Vice President-    None
IDS Tower 10             Marketing and Products
Minneapolis, MN 55440

John P. Moraites         Group Vice President-        None
Union Plaza Suite 900    Kansas/Oklahoma
3030 Northwest Expressway
Oklahoma City, OK  73112

Pamela J. Moret          Vice President-              None
IDS Tower 10             Corporate Communications
Minneapolis, MN 55440    

Barry J. Murphy          Senior Vice President-       None
IDS Tower 10             Client Service
Minneapolis, MN  55440

Robert J. Neis           Vice President-              None
IDS Tower 10             Information Systems
Minneapolis, MN 55440    Operations

Ronald E. Newton         Group Vice President-        None
319 Southbridge St.      Rhode Island/Central
Auburn, MA  01501        Massachusetts

Thomas V. Nicolosi       Group Vice President-        None
Suite 220                New York Metro Area
500 Mamaronick Avenue
Harrison, NY  10528

James R. Palmer          Vice President-              None
IDS Tower 10             Insurance Operations
Minneapolis, MN 55440

Carla P. Pavone          Vice President-              None
IDS Tower 10             Specialty Service Teams
Minneapolis, MN  55440   and Emerging Business

George M. Perry          Vice President-              None
IDS Tower 10             Corporate Strategy
Minneapolis, MN 55440    and Development


<PAGE>
PAGE 17
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)
                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Susan B. Plimpton        Vice President-              None
IDS Tower 10             Segmentation Development
Minneapolis, MN 55440    and Support

Larry M. Post            Group Vice President-        None
One Tower Bridge         Philadelphia Metro
100 Front Street 8th Fl
West Conshohocken, PA  19428

Ronald W. Powell         Vice President and           None
IDS Tower 10             Assistant General
Minneapolis, MN 55440    Counsel

James M. Punch           Vice President-              None
IDS Tower 10             TransAction Services
Minneapolis, MN 55440

Frederick C. Quirsfeld   Vice President-Taxable       None
IDS Tower 10             Mutual Fund Investments
Minneapolis, MN 55440

R. Daniel Richardson     Group Vice President-        None
Suite 800                Southern Texas
Arboretum Plaza One
9442 Capital of Texas Hwy N.
Austin, TX  78759

Roger B. Rogos           Group Vice President-        None
One Sarasota Tower       Western Florida
Suite 700
Two N. Tamiami Trail
Sarasota, FL  34236

ReBecca K. Roloff        Vice President-1994          None 
IDS Tower 10             Program Director
Minneapolis, MN  55440   

Stephen W. Roszell       Vice President-              None
IDS Tower 10             Advisory Institutional
Minneapolis, MN  55440   Marketing

Max G. Roth              Group Vice President-        None
Suite 201 S IDS Ctr      Wisconsin/Upper Michigan
1400 Lombardi Avenue
Green Bay, WI  54304

Robert A. Rudell         Vice President-              None
IDS Tower 10             American Express    
Minneapolis, MN 55440    Institutional Services


<PAGE>
PAGE 18
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)
                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

John P. Ryan             Vice President and           None
IDS Tower 10             General Auditor
Minneapolis, MN 55440

Erven A. Samsel          Senior Vice President-       None
IDS Tower 10             Field Management
Minneapolis, MN  55440

Russell L. Scalfano      Group Vice President-        None
Suite 201 Exec Pk East   Illinois/Indiana/Kentucky
101 Plaza East Blvd.
Evansville, IN  47715

William G. Scholz        Group Vice President-        None
Suite 205                Arizona/Las Vegas
7333 E Doubletree Ranch Rd
Scottsdale, AZ  85258

Stuart A. Sedlacek       Vice President-              None
IDS Tower 10             Assured Assets
Minneapolis, MN  55440

Donald K. Shanks         Vice President-              None
IDS Tower 10             Property Casualty
Minneapolis, MN  55440

F. Dale Simmons          Vice President-Senior        None
IDS Tower 10             Portfolio Manager,
Minneapolis, MN 55440    Insurance Investments

Judy P. Skoglund         Vice President-              None
IDS Tower 10             Human Resources and
Minneapolis, MN  55440   Organization Development

Julian W. Sloter         Group Vice Presidnet-        None
Ste 1700 Orlando FinCtr  Orlando/Jacksonville
800 North Magnolia Ave.
Orlando, FL  32803

Ben C. Smith             Vice President-              None
IDS Tower 10             Workplace Marketing
Minneapolis, MN  55440

William A. Smith         Vice President and           None
IDS Tower 10             Controller-Private
Minneapolis, MN 55440    Client Group

James B. Solberg         Group Vice President-        None
IDS Tower 10             Eastern Iowa Area
Minneapolis, MN 55440

<PAGE>
PAGE 19
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)
                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Bridget Sperl            Vice President-              None
IDS Tower 10             Human Resources
Minneapolis, MN 55440    Management Services
Paul J. Stanislaw        Group Vice President-        None
Suite 1100               Southern California
Two Park Plaza
Irvine, CA  92714

Lois A. Stilwell         Group Vice President-        None
Suite 433                Outstate Minnesota Area/
9900 East Brn Road       North Dakota/Western Wisconsin
Minnetonka, MN  55343

William A. Stoltzmann    Vice President and           Gen'l Counsel
IDS Tower 10             Assistant General            & Asst. Secry
Minneapolis, MN 55440    Counsel

James J. Strauss         Vice President-              None
IDS Tower 10             Corporate Planning
Minneapolis, MN 55440    and Analysis

Jeffrey J. Stremcha      Vice President-Information   None
IDS Tower 10             Resource Management/ISD
Minneapolis, MN  55440

Neil G. Taylor           Group Vice President-        None
Suite 425                Seattle/Tacoma
101 Elliott Avenue West
Seattle, WA  98119

John R. Thomas           Senior Vice President-       None
IDS Tower 10             Information and
Minneapolis, MN 55440    Technology

Melinda S. Urion         Vice President and           Assistant
IDS Tower 10             Corporate Controller         Secretary
Minneapolis, MN 55440

Peter S. Velardi         Group Vice President-        None
Suite 180                Atlanta/Birmingham
1200 Ashwood Parkway
Atlanta, GA  30338

Charles F. Wachendorfer  Group Vice President-        None
Suite 100                Denver/Salt Lake City/
Stanford Plaza II        Albuquerque
7979 East Tufts Ave Pkwy
Denver, CO  80237

Wesley W. Wadman         Vice President-              None
IDS Tower 10             Senior Portfolio
Minneapolis, MN 55440    Manager<PAGE>
PAGE 20
Item 29(b).  As to each director, officer or partner of the
principal underwriter (American Express Financial Advisors):
(cont'd)

                                                      Positions and
Name and Principal       Position and Offices         Offices with
Business Address         with Underwriter             Registrant   

Norman Weaver Jr.        Senior Vice President-       None
1010 Main St Suite 2B    Field Management
Huntington Beach, CA  92648

Michael L. Weiner        Vice President-              None
IDS Tower 10             Corporate Tax
Minneapolis, MN 55440    Operations

Lawrence J. Welte        Vice President-              None
IDS Tower 10             Investment Administration
Minneapolis, MN  55440

Jeffry M. Welter         Vice President-              None
IDS Tower 10             Equity and Fixed Income
Minneapolis, MN  55440   Trading

William N. Westhoff      Senior Vice President and    None
IDS Tower 10             Global Chief Investment
Minneapolis, MN  55440   Officer

Thomas L. White          Group Vice President-        None
Suite 200 Cambridge Ct   Cleveland Metro
28601 Chagrin Blvd.
Woodmere, OH  44122

Eric S. Williams         Group Vice President-        None
Suite 250                Virginia
3951 Westerre Parkway
Richmond, VA  23233

Edwin M. Wistrand        Vice President and           None
IDS Tower 10             Assistant General
Minneapolis, MN 55440    Counsel

Michael R. Woodward      Senior Vice President-       None
32 Ellicott St Ste 100   Field Management
Batavia, NY  14020
<TABLE><CAPTION>
(c)  Name of        Net Underwriting
     Principal      Discounts and     Compensation on   Brokerage    Other 
     Underwriter    Commissions       Redemption        Commissions  Compensation
     <S>                 <C>          <C>                  <C>           <C>     
     American Express
     Financial Advisors  None         $269,275.10          None          None
     Inc.
/TABLE
<PAGE>
PAGE 21
Item 30.            Location of Accounts and Records

                    IDS Life Insurance Company of New York
                    20 Madison Avenue Extension
                    Albany, NY  12203

Item 31.            Management Services

                    Not applicable.

Item 32.            Undertakings

(a) (b) & (c)       These undertakings were filed with the
                    Registrant's initial Registration Statements,
                    File Nos. 33-4174 and 811-3500.

(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>
PAGE 22
                            SIGNATURES

As required by the Securities Act of 1933 and the Investment
Company Act of 1940, IDS Life Insurance Company of New York, 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 this 27th day of April, 1995.

                                     IDS LIFE ACCOUNT 4
                                     IDS LIFE ACCOUNT 5
                                     IDS LIFE ACCOUNT 6
                                     IDS LIFE ACCOUNT 9
                                     IDS LIFE ACCOUNT 10
                                     IDS LIFE ACCOUNT 11           
                                         (Registrant)

                          By IDS Life Insurance Company of New York
                                          (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 this 27th day of April, 1995.

Signature                               Title

/s/ Richard W. Kling*                   Director and President
    Richard W. Kling

/s/ John C. Boeder*                     Director and Chief 
    John C. Boeder                      Operating Officer

/s/ Roger C. Corea                      Director
    Roger C. Corea

/s/ Charles A. Cuccinello*              Director
    Charles A. Cuccinello

/s/ Milton R. Fenster*                  Director
    Milton R. Fenster

/s/ Edward Landes*                      Director
    Edward Landes

/s/ Michael P. Monaco*                  Director
    Michael P. Monaco

/s/ Stephen P. Norman*                  Director
    Steven P. Norman

/s/ Louise M. Parent*                   Director
    Louise M. Parent
<PAGE>
PAGE 23
Signature                               Title

/s/ Carl Platou*                        Director
    Carl Platou

/s/ Gordon H. Ritz*                     Director
    Gordon H. Ritz

/s/ Michael R. Woodward*                Director
    Michael R. Woodward


*Signed pursuant to Power of Attorney dated April 18, 1994, filed
electroncially as Exhibit 14.2 to Post-Effective Amendment No. 10
to Registration Statement No. 33-4174 is incorporated herein by
reference.




/s/  Mary Ellyn Minenko    
Mary Ellyn Minenko 

<PAGE>
PAGE 24
            CONTENTS OF POST-EFFECTIVE AMENDMENT NO. 12

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. 11, filed on April 20, 1995.

Part C.

     Other Information.

     The signatures.

Exhibits.



PAGE 1

IDS Life of New York Accounts 4, 5, 6, 9, 10 & 11
Registration Number 33-4174/811-3500

EXHIBIT INDEX

14   Financial Data Schedules
       IDS Life Insurance Company of New York
       IDS Life of New York Accounts 4, 5, 6, 9, 10 & 11


<TABLE> <S> <C>
<PAGE>
<ARTICLE>                                        7
<CIK>                                   0000703704
<NAME>  IDS Life Insurance Company of New York
<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        455103
<DEBT-CARRYING-VALUE>        1171023        686483
<DEBT-MARKET-VALUE>          1240593        653080
<EQUITIES>                       190           135
<MORTGAGE>                    123337        164916
<REAL-ESTATE>                      0             0
<TOTAL-INVEST>               1309551       1322925
<CASH>                            0           5262
<RECOVER-REINSURE>               246             3
<DEFERRED-ACQUISITION>         87891        100078
<TOTAL-ASSETS>               1801850       1957574
<POLICY-LOSSES>              1219967       1255784
<UNEARNED-PREMIUMS>                0             0
<POLICY-OTHER>                     0             0
<POLICY-HOLDER-FUNDS>          2347           3217
<NOTES-PAYABLE>                    0             0
<COMMON>                        2000          2000
              0             0
                        0             0
<OTHER-SE>                    158459        169721
<TOTAL-LIABILITY-AND-EQUITY> 1801850       1957574
                      7110          7846
<INVESTMENT-INCOME>          110147         108143
<INVESTMENT-GAINS>              1334           957
<OTHER-INCOME>                 12538         16170
<BENEFITS>                     75824         75313
<UNDERWRITING-AMORTIZATION>    10434         12994
<UNDERWRITING-OTHER>            7652          8359
<INCOME-PRETAX>                37219         36449
<INCOME-TAX>                   13335         12794
<INCOME-CONTINUING>            23884         23655
<DISCONTINUED>                     0             0
<EXTRAORDINARY>                    0             0
<CHANGES>                          0             0      
<NET-INCOME>                   23884         23655
<EPS-PRIMARY>                      0             0
<EPS-DILUTED>                      0             0
<RESERVE-OPEN>                  1026           450
<PROVISION-CURRENT>             8180          9789
<PROVISION-PRIOR>                  0             0
<PAYMENTS-CURRENT>              8756          8537
<PAYMENTS-PRIOR>                   0             0
<RESERVE-CLOSE>                  450          1702
<CUMULATIVE-DEFICIENCY>            0             0

</TABLE>

<TABLE> <S> <C>
<PAGE>
<ARTICLE>                            6            
<CIK>                       0000703704
<NAME> IDS Life of New York Accounts 4, 10, 11, 5, 6 and 9 
<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>        465079030     
<INVESTMENTS-AT-VALUE>       457338382
<RECEIVABLES>                   945941
<ASSETS-OTHER>                       0            
<OTHER-ITEMS-ASSETS>                 0
<TOTAL-ASSETS>               458284323
<PAYABLE-FOR-SECURITIES>             0
<SENIOR-LONG-TERM-DEBT>              0
<OTHER-ITEMS-LIABILITIES>     (880807)
<TOTAL-LIABILITIES>           (880807)
<SENIOR-EQUITY>                      0
<PAID-IN-CAPITAL-COMMON>             0
<SHARES-COMMON-STOCK>        227639564             
<SHARES-COMMON-PRIOR>        149303625
<ACCUMULATED-NII-CURRENT>            0
<OVERDISTRIBUTION-NII>               0
<ACCUMULATED-NET-GAINS>              0
<OVERDISTRIBUTION-GAINS>             0
<ACCUM-APPREC-OR-DEPREC>             0          
<NET-ASSETS>                 457403516
<DIVIDEND-INCOME>             30319121
<INTEREST-INCOME>                    0
<OTHER-INCOME>                       0
<EXPENSES-NET>               (4081505)
<NET-INVESTMENT-INCOME>       26237616
<REALIZED-GAINS-CURRENT>       (84699)
<APPREC-INCREASE-CURRENT>   (40391393)
<NET-CHANGE-FROM-OPS>       (14238476)
<EQUALIZATION>                       0
<DISTRIBUTIONS-OF-INCOME>            0
<DISTRIBUTIONS-OF-GAINS>             0
<DISTRIBUTIONS-OTHER>                0
<NUMBER-OF-SHARES-SOLD>       91403561
<NUMBER-OF-SHARES-REDEEMED> (13067622)
<SHARES-REINVESTED>                  0
<NET-CHANGE-IN-ASSETS>       112076861
<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>              (4081505)
<AVERAGE-NET-ASSETS>         401365085
<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>


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