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Annuity
Endorsement

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This endorsement is made a part of the annuity contract to which it is attached.
It changes certain terms and provisions of this contract.

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The Annuity Contract

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Delete:

What is the entire contract?

This contract form and the copy of the application attached to it are the entire
contract between you and us.

No  one  except  one of  our  corporate  officers  (President,  Vice  President,
Secretary,  or  Assistant  Secretary)  can  change or waive any of our rights or
requirements under the contract.  That person must do so in writing. None of our
agents or other  persons has the  authority to change or waive any of our rights
or requirements under the contract.

In issuing this contract,  we have relied upon the  application.  The statements
contained in the application are considered  representations and not warranties.
No statements made in connection with the application will be used by us to void
the  contract  or to  deny  a  claim  unless  that  statement  is  part  of  the
application.

Replace with:

What is the entire contract?

This contract form is the entire contract between you and us.

No  one  except  one of  our  corporate  officers  (President,  Vice  President,
Secretary,  or  Assistant  Secretary)  can  change or waive any of our rights or
requirements under the contract.  That person must do so in writing. None of our
agents or other  persons has the  authority to change or waive any of our rights
or requirements under the contract.

Delete:

What if the annuitant's birthdate or sex has been misstated?



If the  annuitant's  birthdate or sex has been  misstated,  payments  under this
contract will be based on what would have been provided at the correct birthdate
and  sex.  Any  underpayments  made  by us will  be  made  up  immediately.  Any
overpayments made by us will be subtracted from the future payments.

Replace with:

What if benefits are based on incorrect data?

If the amount of benefits is determined by data as to a person's age or sex that
is incorrect,  benefits will be  recalculated  on the basis of the correct data.
Any underpayments made by us will be made up immediately.  Any overpayments made
by us will be subtracted from the future payments.

This endorsement is issued and executed as of the contract date.

IDS Life Insurance Company

Secretary

/s/ William A. Stoltzmann
    William A. Stoltzmann

30379                                                                    (7/96)