ZurichInternationalSolutionsEurope

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/ EUR750/ EUR1,250/ EUR2,000/Premium level SEK3,000 SEK7,500 SEK12,000 SEK18,750

Yearly growth neededon a 15 year policy 1.74% 1.48% 1.34% 1.23%

Yearly growth neededon a 20 year policy 1.46% 1.27% 1.18% 1.10%

Yearly growth neededon a 25 year policy 1.29% 1.15% 1.08% 1.03%

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 fi gures used in this document are purely illustrative.

An exampleA 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.

The long-term value of Vista

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.

The annualised growth rate over a 15 year period is as follows:

15years

Equities–EuropeexcludingUK 6.25%Fixedinterest–Europe 3.44%Currency(cash)Euro 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.

Equity – Europe exc. UK (138.95%) Fixed Interest – Europe (66.79%) Currency – Euro (29.51%)

June June June June June June June June June June June June June June June June 96 97 98 99 00 01 02 03 04 05 06 07 08 09 10 11

300

250

200

150

100

50

0

-50

Total return of European sectors from 1996 to 2011

%g

row

th

MSP

1041

1(1

3072

2A02

)(0

7/11

)ZC

A

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.

Important informationFor 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.

Calls are recorded and monitored in order to offer additional security, resolve complaints and for training and quality purposes.