American Amicable - Horizon Life Insurance 2010 0823 - insurance-forums.com - by Green Sky (Rick) - insurance-forums.com/community/threads/term-life-w-annuity-rider.23570/#post-295555 This product used to be written by American Amicable. It was called Horizon Life. A 20 year, 7 pay term. ROP at end of 20 years. Had a side fund account that although it was not tax deferred, it would grow at a guaranteed 4% (formerly 6%). Not a bad product for accumulation. I actually know one agent who has this product for himself.