Zurich International
Vista Savings Plan

The Zurich International Vista is a savings plan that claims to provide access to an extensive range of investments giving you the potential to earn a return on your savings.

The Zurich International Vista allows you to check the value of your savings plan any time by logging in to Zurich International Online.

The key features of the Vista savings plan are as follows:

• Under the Vista, you choose the savings amount and how long you want to save for.
• The minimum savings amount is USD300 a month and the minimum term is five years. 
• Zurich International offer access to a wide range of investments under the Vista, including their Zurich Target Dated Funds, Zurich Allocated Passive Funds or Zurich Managed Funds. Alternatively you can choose from their range of Mirror Funds.
• Zurich International says that you can tailor the Vista to suit your preferences – the length of your plan, the amount you pay in, the frequency of your payments and your currency. 
• It is free to move between funds and you can actively manage your fund choice.
• The Vista savings plan can be issued to anyone between the age of 18 to 74.
• The plan currencies include: USD, GBP, EUR, HKD, SGD, JPY, CHF, AUD. Benefits will be paid in the plan currency.

Your Zurich International Vista savings plan can be structured in two ways:

• Just for you (single life only): If you are a single person or the main wage earner in a family.
• For you and someone else (joint life first death): A joint plan provides protection for two people, with a single payout occurring when a policyholder dies. This could work out better for you and your partner compared to two single policies.

Zurich International Vista savings plan charging structure:

Zurich International says that your savings are kick started with a welcome bonus during the first 12 months of your plan.

The amount of bonus depends on how much you are saving. They will also pay you a loyalty bonus every five years and at the end of your plan. The loyalty bonus is dependent on all expected regular savings amounts being received up to when the loyalty bonus payment is due. 

Changing or cancelling the Vista savings plan:

• You have 30 days from the date of receipt of your policy documents to write to Zurich International and ask them to cancel the policy.
• You can cancel before you receive any documents by contacting either your financial adviser or Zurich International directly.
• If your plan is being paid by regular premiums and you decide to cancel, they will refund the regular premiums paid.
• If you have paid in a single premium and there has been a fall in the value of your investments between the time your policy was issued and when they receive your request to cancel, they will deduct this amount from any refund.

NOTE:

• A full early encashment results in penalties being applied through surrender charges linked to the term of the policy. In effect, this means that on polices with an original term of more than 15 years, most, if not all, of the first 18 months to 2 years of premiums will be lost upon surrender.
• We would recommend reading the 'expert verdict' section of this review to learn why our experts gave Zurich International Vista savings plan 2 out of 5 stars in their independent review.

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