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Prospectus Supplement
October 3, 1994
Symphony Annuity
The following information modifies the disclosure of the prospectus
for IDS Life Account SBS, the Symphony Annuity dated April 29,
1994.
Subaccounts Available for Investment:
You may now invest your purchase payments in three new subaccounts,
for a total of 13 subaccounts:
o The Capital Resource subaccount (ACR) invests in shares
of IDS Life Capital Resource Fund.
o The Special Income subaccount (ASI) invests in shares
of IDS Life Special Income Fund.
o The Managed subaccount (AMG) invests in shares of IDS
Life Managed Fund.
Investment Goals and Policies of the Funds:
IDS Life Capital Resource Fund is a Fund whose goal is capital
appreciation. The Fund invests primarily in U.S. common stocks
listed on national securities exchanges and other securities
convertible into common stock. The Fund may also invest in
preferred stocks and bonds without limitation on ratings.
IDS Life Special Income Fund is a Fund whose primary goal is to
provide a high level of current income. At the same time, the Fund
attempts to conserve the value of the investment and to continue
the high level of income for the longest period of time. The Fund
invests primarily in bonds of the four highest ratings or the
equivalent.
IDS Life Managed Fund is a Fund whose goal is to maximize total
investment return through a combination of capital appreciation and
current income. The Fund invests primarily in U.S. common stocks
listed on national securities exchanges and other securities
convertible into common stocks, warrants, fixed income securities
(primarily high quality corporate bonds) and money market
instruments.
The following replaces the information contained in the table found
on page 6 of the prospectus:
<TABLE><CAPTION>
Annual Contract Charges Annual Variable Account Charges
<S>
<S> Payment Year Percentage Variable Account Administrative Charge
Surrender Charge <C> <C> (as a percentage of daily net asset value)......0.25%
(Contingent Deferred 1 6% Mortality and Expense Risk Fee
Sales Charge as a 2 5 (as a percentage of daily net asset value)......1.25%
percentage of purchase 3 4 =====================================================
payments) 4 3 Total Variable Account Annual Expenses* 1.50%
5 2
6 1 *Premium taxes imposed by some state and local
7 and later 0 governments may be applicable. They are not reflected.
Annual Contract Administrative Charge $30
</TABLE>
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<TABLE><CAPTION>
Annual Operating Expenses of the Portfolios and Funds
(as a percentage of average daily net assets)
Intermediate Diversified
Money High Strategic Equity Equity Growth & Total International Emerging
Market Grade Income Income Index Income Appreciation Return Equity Growth
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Management Fees .50% .60% .65% .65% .60% .65% .75% .75% 1.05% .95%
Other Expenses .25% .25% .35% .35% .40% .35% .25% .25%* .25%* .25%*
Total Operating
Expenses of
Portfolios .75% .85% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.30% 1.20%
</TABLE>
<TABLE><CAPTION>
Example**
You would pay the following expenses on a $1,000 investment, assuming (1) 5-percent annual return and (2) surrender at the end
of each time period:
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 year $83.69 $84.71 $86.23 $86.23 $86.23 $86.23 $86.23 $86.23 $89.28 $88.26
3 years $113.22 $116.35 $121.06 $121.06 $121.06 $121.06 $121.06 $121.06 $130.47 $127.33
5 years $145.76 $151.18 $159.27 $159.27 $159.27 $159.27 $159.27 $159.27 $175.46 $170.07
10 years $271.64 $283.27 $300.73 $300.73 $300.73 $300.73 $300.73 $300.73 $323.52 $323.88
You would pay the following expenses on the same investment assuming no surrender:
1 year $23.69 $24.71 $26.23 $26.23 $26.23 $26.23 $26.23 $26.23 $29.28 $28.26
3 years $ 73.22 $76.35 $81.06 $81.06 $81.06 $81.06 $81.06 $81.06 $90.47 $87.33
5 years $125.76 $131.18 $139.27 $139.27 $139.27 $139.27 $139.27 $139.27 $155.46 $150.07
10 years $271.64 $283.27 $300.73 $300.73 $300.73 $300.73 $300.73 $300.73 $323.52 $323.88
This example should not be considered a representation of past or future expenses. Actual expenses may be more or less than
shown.
*"Other Expenses" are based on estimated amounts expected to be charged to the Portfolio for the current fiscal year.
**In this example, the $30 annual contract administrative charge is approximated as a .086 percent charge based on the
expected average Annuity size.
</TABLE>
<TABLE><CAPTION>
Capital Special
Resource Income Managed
<S> <C> <C> <C>
Management Fees and
Other Expenses .69% .69% .69%
Total Operating
Expenses of
Funds .69% .69% .69%
</TABLE>
<TABLE><CAPTION>
Example**
You would pay the following expenses on a $1,000 investment, assuming (1) 5-percent annual return and (2) surrender at the end
of each time period:
<S> <C> <C> <C>
1 year $83.13 $83.13 $83.13
3 years $111.27 $111.27 $111.27
5 years $142.05 $142.05 $142.05
10 years $261.50 $261.50 $261.50
You would pay the following expenses on the same investment assuming no surrender:
1 year $23.13 $23.13 $23.13
3 years $71.27 $71.27 $71.27
5 years $122.05 $122.05 $122.05
10 years $261.50 $261.50 $261.50
This example should not be considered a representation of past or future expenses. Actual expenses may be more or less than
shown.
*"Other Expenses" are based on estimated amounts expected to be charged to the Fund for the current fiscal year.
**In this example, the $30 annual contract administrative charge is approximated as a .086 percent charge based on the
expected average Annuity size.
</TABLE>
