The document discusses the Vista savings policy from Zurich International Solutions Europe. It notes that the longer a policy is held, the lower the annual growth rate needed to offset charges. For a 25-year policy paying €1,250/SEK12,000 per month, a 1.08% annual growth rate would be enough to cover charges and return the premium amount at maturity. Historical returns for European assets show rates exceeding this, suggesting growth targets could be met. The policy provides over 180 funds to build a diversified portfolio for long-term growth.

1. The long-term value of Vista
Not everyone thinks about the effects of charges on their policy (often referred to
as ‘reduction in yield’) – but at Zurich International Solutions Europe we think you
should. With Vista, the longer you hold your investment, the lower the growth rate
needed to cover the cost of product charges.
What should you consider?
With any savings plan there are a variety of product charges. However, by holding a Vista savings policy to maturity, the
effect of the charges can be greatly reduced.
The table below shows the equivalent growth needed to offset the charges. Anything over this is potential growth for
your portfolio at your policy maturity.
EUR300/
SEK3,000
EUR750/
SEK7,500
EUR1,250/
SEK12,000
EUR2,000/
SEK18,750
Yearly growth needed
on a 15 year policy
1.74%
1.48%
1.34%
1.23%
Yearly growth needed
on a 20 year policy
1.46%
1.27%
1.18%
1.10%
Yearly growth needed
on a 25 year policy
1.29%
1.15%
1.08%
1.03%
Premium level
Source: Zurich. The illustration shown includes all standard product charges, but exclude conditional charges and the
fund management charges. All growth rates are based on an increase in the unit price. Any figures used in this
document are purely illustrative.
An example
A policy paying EUR1,250/SEK12,000 a month, over a 25 year term, would only need a growth rate of 1.08% each year
to cover the product charges. At this growth rate you would have a maturity value of EUR375,000/SEK3,600,000 – the
same as the premiums you have paid in. Any growth over this means greater return for you.
Zurich International Solutions Europe

2. To illustrate how likely it is to achieve growth to offset charges, consider the performance of European asset class
sectors over the 15 year period below. Any well diversified portfolio, covering a range of sectors and funds, should be
managed to achieve balanced growth in order to cover the cost of any associated product charges.
Total return of European sectors from 1996 to 2011
300
250
% growth
200
150
100
50
0
-50
June
96
June
97
June
98
June
99
June
00
June
01
June
02
Equity – Europe exc. UK (138.95%)
June
03
June
04
June
05
June
06
Fixed Interest – Europe (66.79%)
June
07
June
08
June
09
June
10
June
11
Currency – Euro (29.51%)
The annualised growth rate over a 15 year period is as follows:
Equities – Europe excluding UK
Fixed interest – Europe
Currency (cash) Euro
15 years
6.25%
3.44%
1.68%
Source: Financial Express. Data from 31.05.1996 to 31.05.2011, gross in euros. Warning: Please remember that past
performance is not a guide to future performance. The value of any investment and the income from it can fall as a result
of market and currency fluctuations and you may get back less than the amount originally invested.
Vista has over 180 funds for the creation of a well diversified portfolio and in which you can tailor your choice of
investment to suit your attitude to risk and thus provide the potential for growth over the long term.

3. Important information
For full details of Vista and the funds available with Vista please refer to ‘Vista – Plan for your future’ brochure,
‘Vista – key facts & taxation’, ’Vista – bronze, silver, gold bonus explained’, ‘Investments – Your guide’, ‘Mirror funds –
Your guide’ brochures and the Policy terms and conditions, copies of which are available on request.
Zurich International Solutions Europe’s Vista is an international life insurance policy. The policy is designed to be held
for the medium to long term and is subject to minimum premium levels.
Warning: If the policy is cashed in early, you may not get back the original amount invested.
Zurich International Solutions Europe provides insurance in the European Union by way of Freedom to Provide Services
pursuant to EU Directive 2002/83/EC of 5 November 2002 (‘the Consolidated Life Assurance Directive’).
Zurich International Solutions Europe does not intend this document to be an advertisement or an offer or a solicitation
of business in any place where such an advertisement would be unlawful.
Zurich International Solutions Europe is only able to give information on its own products.
Zurich International Solutions Europe does not accept responsibility for any actions or inaction resulting from
this document.
This product is only available to Swedish and Spanish residents.
The product and services described in this document are not available for solicitation to residents of the United States
or available for purchase in the United States.
MSP10411 (130722A02) (07/11) ZCA
Calls are recorded and monitored in order to offer additional security, resolve complaints and for training and
quality purposes.
Eagle Star European Life Assurance Company Limited trading as Zurich International Solutions
Europe is regulated by the Central Bank of Ireland.
Registered in Ireland number 215397.
Registered office: Zurich House, Frascati Road, Blackrock, Co. Dublin, Ireland.
Telephone +353 (0) 1 859 8600 Fax +353 (0) 1 859 8601
www.ziseurope.com
Zurich International Solutions Europe is part of the Zurich Financial Services Group which has
a representation in more than 50 countries.