PROSPECTUS SUPPLEMENT
November 20, 1997*
Variable Universal Life Policy (VUL). (April 30, 1997) S-6194 V (6/97)
The following modifies page 19 of the prospectus concerning "Components
of monthly deduction." The following paragraph replaces the third
paragraph under 1(a) describing the monthly cost of insurance rate:
Policies purchased on or after May 1, 1991 with an initial specified
amount of $350,000 or greater qualify for lower cost of insurance rates
than policies purchased with a specified amount less than $350,000. In
addition, all policies purchased on or after May 1, 1993 (October 1,
1993 for policies purchased in New Jersey) and before November 20, 1997
qualify for lower cost of insurance rates than policies purchased
earlier. Cost of insurance rates that are modified to reflect IDS Life
and industry-wide changes in mortality experience apply to all policies
purchased on or after November 20, 1997.**
The following adds a policy illustration for Policies purchased on or
after November 20, 1997 and replaces the current policy illustrations
for Policies purchased on or after May 1, 1993 and guaranteed costs in
the section titled "Policy Illustrations":
<TABLE>
<CAPTION>
Illustration Policies purchased on or after November 20, 1997
- -----------------------------------------------------------------------------------------------------------------------------
Initial specified amount $100,000 Male age 35 Current costs assumed
Death benefit Option 1 nonsmoker Annual Premium $900
Premium Death benefit (1)(2) policy value (1)(2) Cash surrender value (1)(2)
accumulated assuming hypothetical gross assuming hypothetical gross assuming hypothetical gross
End of with annual annual investment return of annual investment return of annual investment return of
policy interest
year at 5% 0% 6% 12% 0% 6% 12% 0% 6% 12%
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 $ 945 $100,000 $100,000 $100,000 $ 608 $ 651 $ 694 $ 0 $ 3 $ 46
2 1,937 100,000 100,000 100,000 1,206 1,330 1,459 479 602 732
3 2,979 100,000 100,000 100,000 1,783 2,026 2,290 998 1,241 1,505
4 4,073 100,000 100,000 100,000 2,341 2,742 3,195 1,496 1,898 2,351
5 5,222 100,000 100,000 100,000 2,878 3,478 4,182 1,977 2,577 3,281
6 6,428 100,000 100,000 100,000 3,396 4,234 5,258 2,675 3,513 4,537
7 7,694 100,000 100,000 100,000 3,895 5,012 6,434 3,354 4,471 5,893
8 9,024 100,000 100,000 100,000 4,373 5,810 7,717 4,012 5,450 7,356
9 10,420 100,000 100,000 100,000 4,829 6,630 9,119 4,649 6,450 8,938
10 11,886 100,000 100,000 100,000 5,259 7,467 10,646 5,259 7,467 10,646
11 13,425 100,000 100,000 100,000 5,664 8,321 12,314 5,664 8,321 12,314
12 15,042 100,000 100,000 100,000 6,044 9,195 14,136 6,044 9,195 14,136
13 16,739 100,000 100,000 100,000 6,396 10,087 16,128 6,396 10,087 16,128
14 18,521 100,000 100,000 100,000 6,719 10,994 18,305 6,719 10,994 18,305
15 20,392 100,000 100,000 100,000 7,013 11,919 20,689 7,013 11,919 20,684
16 22,356 100,000 100,000 100,000 7,272 12,858 23,297 7,272 12,858 23,297
17 24,419 100,000 100,000 100,000 7,496 13,809 25,153 7,496 13,809 26,153
18 26,585 100,000 100,000 100,000 7,679 14,768 29,281 7,679 14,768 29,281
19 28,859 100,000 100,000 100,000 7,816 15,731 32,707 7,816 15,731 32,707
20 31,247 100,000 100,000 100,000 7,905 16,697 36,467 7,905 16,697 36,467
age 60 45,102 100,000 100,000 100,000 7,422 21,390 61,691 7,422 21,390 61,691
age 65 62,785 100,000 100,000 125,819 4,830 25,402 103,130 4,830 25,402 103,130
</TABLE>
(1) Assumes no policy loans or partial withdrawals have been made.
(2) Assumes a $900 premium is paid at the beginning of each policy year. Values
will be different if premiums are paid in different amounts or with a
different frequency.
The above hypothetical investment results are illustrative only and should not
be deemed a representation of past or future investment results. Actual
investment results may be more or less than those shown. The death benefit,
policy value and cash surrender value would be different from those shown if
returns averaged 0%, 6% and 12% over a period of years, but fluctuated above and
below those averages for individual policy years. No representation can be made
that these hypothetical rates of return can be achieved for any one year or
sustained over any period of time.
<PAGE>
<TABLE>
<CAPTION>
Illustration Policies purchased on or after May 1, 1993
and before November 20, 1997
Initial specified amount $100,000 Male age 35 Current costs assumed
Death benefit Option 1 nonsmoker Annual Premium $90
Premium Death benefit (1)(2) policy value (1)(2) Cash surrender value (1)(2)
accumulated assuming hypothetical gross assuming hypothetical gross assuming hypothetical gross
End of with annual annual investment return of annual investment return of annual investment return of
policy interest
year at 5% 0% 6% 12% 0% 6% 12% 0% 6% 12%
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 $ 945 $100,000 $100,000 $100,000 $ 605 $ 648 $ 691 $ 0 $ 0 $ 43
2 1,937 100,000 100,000 100,000 1,200 1,323 1,452 473 596 725
3 2,979 100,000 100,000 100,000 1,775 2,017 2,280 989 1,231 1,494
4 4,073 100,000 100,000 100,000 2,329 2,729 3,181 1,485 1,885 2,337
5 5,222 100,000 100,000 100,000 2,864 3,461 4,163 1,963 2,560 3,262
6 6,428 100,000 100,000 100,000 3,379 4,214 5,234 2,659 3,493 4,513
7 7,694 100,000 100,000 100,000 3,876 4,988 6,404 3,335 4,447 5,864
8 9,024 100,000 100,000 100,000 4,351 5,782 7,681 3,990 5,422 7,321
9 10,420 100,000 100,000 100,000 4,802 6,595 9,074 4,622 6,415 8,894
10 11,886 100,000 100,000 100,000 5,227 7,425 10,591 5,227 7,425 10,591
11 13,425 100,000 100,000 100,000 5,627 8,272 12,247 5,627 8,272 12,247
12 15,042 100,000 100,000 100,000 6,001 9,138 14,057 6,001 9,138 14,057
13 16,739 100,000 100,000 100,000 6,349 10,021 16,036 6,349 10,021 16,036
14 18,521 100,000 100,000 100,000 6,666 10,920 18,198 6,666 10,920 18,198
15 20,392 100,000 100,000 100,000 6,953 11,834 20,563 6,953 11,834 20,563
16 22,356 100,000 100,000 100,000 7,205 12,761 23,150 7,205 12,761 23,150
17 24,419 100,000 100,000 100,000 7,421 13,699 25,983 7,421 13,699 25,983
18 26,585 100,000 100,000 100,000 7,597 14,645 29,086 7,597 14,645 29,086
19 28,859 100,000 100,000 100,000 7,726 15,594 32,485 7,726 15,594 32,485
20 31,247 100,000 100,000 100,000 7,806 16,543 36,213 7,806 16,543 36,213
age 60 45,102 100,000 100,000 100,000 7,274 21,139 61,221 7,274 21,139 61,221
age 65 62,785 100,000 100,000 124,847 4,629 25,020 102,334 4,629 25,020 102,334
</TABLE>
(1) Assumes no policy loans or partial withdrawals have been made.
(2) Assumes a $900 premium is paid at the beginning of each policy year. Values
will be different if premiums are paid in different amounts or with a
different frequency.
The above hypothetical investment results are illustrative only and should not
be deemed a representation of past or future investment results. Actual
investment results may be more or less than those shown. The death benefit,
policy value and cash surrender value would be different from those shown if
returns averaged 0%, 6% and 12% over a period of years, but fluctuated above and
below those averages for individual policy years. No representation can be made
that these hypothetical rates of return can be achieved for any one year or
sustained over any period of time.
<TABLE>
<CAPTION>
Illustration
Initial specified amount $100,000 Male age 35 Guaranteed costs assumed
Death benefit Option 1 nonsmoker annual premium $900
Premium Death benefit (1)(2) Policy value (1)(2) Cash surrender value (1)(2)
accumulated assuming hypothetical gross assuming hypothetical gross assuming hypothetical gross
End of with annual annual investment return of annual investment return of annual investment return of
policy interest
year at 5% 0% 6% 12% 0% 6% 12% 0% 6% 12%
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 $ 945 $100,000 $100,000 $100,000 $ 575 $ 617 $ 659 $ 0 $ 0 $ 11
2 1,937 100,000 100,000 100,000 1,141 1,261 1,386 414 533 658
3 2,979 100,000 100,000 100,000 1,687 1,921 2,175 901 1,135 1,389
4 4,073 100,000 100,000 100,000 2,213 2,598 3,033 1,369 1,754 2,189
5 5,222 100,000 100,000 100,000 2,720 3,293 3,968 1,819 2,392 3,067
6 6,428 100,000 100,000 100,000 3,196 3,996 4,976 2,475 3,275 4,255
7 7,694 100,000 100,000 100,000 3,654 4,718 6,076 3,113 4,178 5,535
8 9,024 100,000 100,000 100,000 4,082 5,450 7,267 3,722 5,089 6,906
9 10,420 100,000 100,000 100,000 4,493 6,203 8,570 4,313 6,022 8,390
10 11,886 100,000 100,000 100,000 4,876 6,966 9,986 4,876 6,966 9,986
11 13,425 100,000 100,000 100,000 5,231 7,742 11,527 5,231 7,742 11,527
12 15,042 100,000 100,000 100,000 5,559 8,531 13,208 5,559 8,531 13,208
13 16,739 100,000 100,000 100,000 5,849 9,323 15,034 5,849 9,323 15,034
14 18,521 100,000 100,000 100,000 6,114 10,129 17,030 6,114 10,129 17,030
15 20,392 100,000 100,000 100,000 6,341 10,940 19,206 6,341 10,940 19,206
16 22,356 100,000 100,000 100,000 6,521 11,745 21,573 6,521 11,745 21,573
17 24,419 100,000 100,000 100,000 6,667 12,557 24,163 6,667 12,557 24,163
18 26,585 100,000 100,000 100,000 6,766 13,364 26,993 6,766 13,364 26,993
19 28,859 100,000 100,000 100,000 6,809 14,158 30,082 6,809 14,158 30,082
20 31,247 100,000 100,000 100,000 6,786 14,929 33,454 6,786 14,929 33,454
age 60 45,102 100,000 100,000 100,000 5,533 18,272 55,886 5,533 18,272 55,863
age 65 62,785 100,000 100,000 113,155 1,437 19,813 92,750 1,437 19,813 92,750
</TABLE>
(1) Assumes no policy loans or partial withdrawals have been made.
(2) Assumes a $900 premium is paid at the beginning of each policy
year. Values will be different if premiums are paid in different
amounts or with a different frequency.
The above hypothetical investment results are illustrative only and should not
be deemed a representation of past or future investment results. Actual
investment results may be more or less than those shown. The death benefit,
policy value and cash surrender value would be different from those shown if
returns averaged 0%, 6% and 12% over a period of years, but fluctuated above and
below those averages for individual policy years. No representation can be made
that these hypothetical rates of return can be achieved for any one year or
sustained over any period of time.
* Valid until the next prospectus update.
Destroy May 1, 1998.
** These modified cost of insurance rates effective November 20, 1997 do not
apply to policies purchased in New Jersey.
S-6194-1 (11/97)
