This illustration shows how your client’s investment may look over a period and explains the terminology used in the Zurich International Life illustration system.

1. Understanding your client’s
benefit illustration
Vista
This illustration shows how your client’s investment may look over a period and explains the
terminology used in the Zurich International Life illustration system.
Name of product
Vista
Need for savings
Name of insurance company
Saving
Zurich International Life Limited
Introduction
This information forms part of your benefits illustration.
Zurich International Life Limited believes it is important that you fully appreciate all the benefits under your policy, and that you also
understand how the cost of the insurance protection, distribution, administration, investment and other costs affect these benefits.
The benefits illustration includes a schedule that shows how the value of your policy changes over time. The computation and
methods used to calculate this schedule follow guidelines, which have been established by the life insurance industry to ensure
that a fair and consistent approach is used in preparing this illustration.
This important information is set out below. If you need clarification, please do not hesitate to ask your adviser.
Life insured details
Name
Date of birth
A Client
01/01/1966
Sex
Male
Smoker
Country of residence
Non-smoker
Singapore
Policy details
Regular premium
Annual escalation rate
SGD1,000
0%
Premium frequency
Initial contribution period
Monthly
18 months
Total policy lump sum
---
Contract term
20 years
Policy basis
SL
Policy start date
01/10/2012
Death/Critical illness basis
Death benefit
--Not covered
Hospitalisation (weekly)
Dismemberment
Not covered
Not covered
Critical illness benefit
Not covered
Spouse's income p.a.
Not covered
Waiver of premium
Permanent total disability
Not covered
Not covered
Spouse's age
--Spouse's income escalation ---
Benefits
Initial contribution period (ICP)
An ICP applies if your client pays regular
premiums, and is a fixed period of up to
18 months from the start of a new policy.
Initial bonus
We recognise that clients investing larger regular amounts expect
greater rewards.
A charge of 4% each year, known as the
expense recoupment charge, is then taken from
the value of the units purchased during this
period. This charge is deducted on a monthly
basis; please see the ‘Vista – Summary of fees
and charges’ leaflet for further information.
• Your client’s premiums in the first year x the bonus allocation %
x the policy term.
Zurich International Life will pay a client bonus as follows:
• This additional allocation is made on the regular premiums they
make for the first year after qualifying for the bonus.
• The bonus allocation is dependent on premium, and is one of three
different levels – bronze (0.5%), silver (1.5%) or gold (2.5%).
Signature of applicant
Day
Month
Year
Signature of introducer
Day
Month
Year
Zurich International Life

2. Your illustrative policy benefits
End of
policy year
Annualised
premiums
Total premiums
outlay
Total
distribution cost
Non-guaranteed surrender values
Effect of
deductions
4%
8%
1
2
3
4
5
6
7
8
9
10
11
12
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
24,000
36,000
48,000
60,000
72,000
84,000
96,000
108,000
120,000
132,000
144,000
10,200
10,298
10,460
10,688
10,988
11,364
11,819
12,360
12,991
13,717
14,544
15,479
N/A
9,344
21,730
34,394
47,345
60,588
74,131
87,980
102,143
116,997
131,788
146,913
N/A
9,659
22,757
36,671
51,454
67,161
83,848
101,579
120,418
140,962
162,223
184,811
12,514
16,370
17,868
19,718
21,960
24,640
27,811
31,527
35,850
40,321
46,077
52,667
13
14
15
12,000
12,000
12,000
156,000
168,000
180,000
16,527
17,697
18,994
162,378
178,193
194,854
208,809
234,305
262,232
60,181
68,718
77,546
16
17
18
12,000
12,000
12,000
192,000
204,000
216,000
20,427
22,005
23,734
211,309
228,132
245,329
290,901
321,346
353,677
88,574
101,000
114,971
19
20
12,000
12,000
228,000
240,000
25,626
27,690
262,909
282,481
388,011
426,074
130,643
146,586
What is the significance of the Projected Investment Rate of Return?
The illustrations are based on projected investment returns of 4% p.a. and 8% p.a. The two rates of return used are before
deducting the annual management charge of the funds. They are purely for illustrative purposes and do not represent upper or lower
limits on the investment performance. They also do not reflect potential volatility over the short-term resulting in potential sharp
movements, up or down, of the underlying assets of the funds. The actual benefits payable will depend on the actual performance of
the underlying assets of the funds. The performance of the funds is not guaranteed and the cash value may be less than the capital
invested.
Please note that if you select a money market fund or a fixed income fund, then returns of 4% to 8% could be considered
high in many cases and unlikely to be achieved if the current low interest rate environment persists. You are strongly
recommended to speak to your financial adviser who would be able to provide further information on these funds - both
Non-guaranteed surrender values*
Total your initial fundcost
for distribution selection and subsequently.
This is illustration assumes an annual fund management charge of 1%. This column represents the projected amount your client
The an ‘average’ cost and covers the distribution and
would get back (at the illustrative rates) if the policy is
promotion of the product. This includes average
surrendered early.
commission paid over the life of the policy for initial and
ongoing financial advice and promotion of the product
by us to relevant financial professionals. These costs are
covered by the product charges and are not in addition
to the charges detailed in the product brochures. The
total distribution cost is not an additional cost to your
clients; it has already been allowed for in calculating
their premium. A full schedule of fees and charges can
be found in the ‘Vista – Summary of fees and charges’
leaflet, a copy of which is available on request.
* ista is a unit-linked regular premium policy; as such, the value of units purchased can fall as well as rise over time. For illustrative purposes
V
only, the Monetary Authority of Singapores require all unit-linked investment providers such as Zurich International Life, to provide
illustrations on a mandated rate of return of 4% and 8%. It should be remembered that these might differ from the actual gains made.
Signature of applicant
Day
Month
Year
Signature of introducer
Day
Month
Year
Zurich International Life Limited (Singapore branch) is registered by the Monetary Authority of Singapore to conduct life insurance business in Singapore.
Zurich International Life Limited provides life assurance, investment and protection products and is authorised by the Isle of Man Government Insurance and
Pensions Authority. Registered in the Isle of Man number 20126C.
Registered office: 43-51 Athol Street, Douglas, Isle of Man, IM99 1EF, British Isles. Telephone +44 1624 662266 Telefax +44 1624 662038.
Zurich International Life Limited acting through its Singapore branch at Singapore Land Tower #29-05, 50 Raffles Place, Singapore 048623. Telephone +65 6876
6750 Telefax +65 6876 6751. Registered in Singapore No. T05FC6754E.
www.zurichinternational.com. Calls may be recorded or monitored in order to offer additional security, resolve complaints and for training and quality purposes.
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Page 2 of 4
2

3. Policy benefits
End of
policy year
Total
distribution
cost
Guaranteed sum assured
Death benefit total (including
non-guaranteed surrender values)
Effect of
deductions
1
10,200
Death benefit
0
Critical illness
0
4%
11,736
8%
11,978
12,514
2
3
4
5
6
7
10,298
10,460
10,688
10,988
11,364
11,819
0
0
0
0
0
0
0
0
0
0
0
0
23,322
35,125
47,200
59,552
72,188
85,114
24,256
37,218
50,959
65,527
80,971
97,345
16,370
17,868
19,718
21,960
24,640
27,811
8
9
10
12,360
12,991
13,717
0
0
0
0
0
0
98,335
111,858
125,689
114,707
133,115
152,634
31,527
35,850
40,321
11
12
13
14,544
15,479
16,527
0
0
0
0
0
0
139,835
154,303
169,100
173,331
195,279
218,553
46,077
52,667
60,181
14
15
16
17
18
19
17,697
18,994
20,427
22,005
23,734
25,626
0
0
0
0
0
0
0
0
0
0
0
0
184,231
199,706
215,530
231,712
248,260
265,180
243,234
269,409
297,168
326,609
357,833
390,949
68,718
77,546
88,574
101,000
114,971
130,643
20
27,690
0
0
282,481
426,074
146,586
Total distribution cost
Guaranteed sum assured costs that Zurich International Life mayDeath to incur. These costs include cash payments in the form
This section shows the total
expect benefit total
of commission, Zurich benefits and Life to comply with
total distribution cost is an
The MASexpectedcosts ofInternational services paidThe totala
require costs, but with no interest added. to the distribution channel. Thean additional cost to you; it accumulation of each
(including non-guaranteed surrender value)
year's
distribution cost is not
has already been
allowed layout of an illustration. Certain products sold
mandated for in calculating your premium.
This column represents the current value of the policy, as
in Singapore, such as participating endowment policies
well as the amount your client would get back on death
Projected investment rate of return
The investment rate of return that is actually achieved
have historically had a guaranteed sum assured as aby Zurich International Life will depend on the investment returns it has earned
or maturity if the 4% and 8% growth rates were
from investing its life insurance fund. In preparing this benefit illustration, it is assumed that the projected investment rate of return
product feature. As Vistawill an able to earn throughout the term of your policy exactly paying any costsremembered that the p.a.
is be investment-linked product
achieved (before – it should be of investing) will be 8%
Zurich International Life
The projected investment benefit, then this column will
with no guaranteed deathrate of return is not guaranteed. The policy benefits are made might that they are consistent with the
actual gains calculated so differ.
projected investment rate of return assumption.
always be zero as mandated by the MAS. This is applicable
Reduction in yield
even if your client has chosen benefits such as life cover.
This benefits illustration shows that over the full term of the policy, the effect of the total deductions could amount to SGD146,586.
The total deductions would have the effect of reducing the projected investment rate of return upon maturity from 8% to 5.40% p.a.
The level of risk between the projected investmentdiffers return of 8% p.a. and the rate of return you will receive (based on this
The difference and investment performance rate of
benefits on the funds chosen. You should note
dependingillustration) is called the reduction in yield. that
Effect of deductions
past performance is not a guide to future performance.
The deductions relate to all charges taken out from the policy. These include distribution costs, expenses, mortality and morbidity
The value of any investment and the incomeshareholders and expected tax payments. The figures illustrated relate to the effect of
costs, surrender penalty, expected transfers to from it can
falldeductions basedas athe projected investment currency
as well as rise on result of market and rate of return of 8% p.a. The effect of deductions column in the benefits illustration
shows the difference between the accumulation of the premiums paid (accumulated at the projected investment rate of return) and
fluctuations and your client mayprojected maturity value.
the total cash surrender value or not get back the
amount originallyto indicate the costs you might incur with this policy. This is done by comparing these projected values to the
This is intended invested.
amounts you would receive if you were able to invest all your premiums (incurring no costs) in a hypothetical investment plan that
pays a rate of interest equal to the projected investment rate of return.
Reduction in yield (RIY)
This figure represents all charges taken from the policy as an
annual percentage, assuming the assets held within the
fund(s) of the policy grow consistently at 8% each year. This
figure also includes the annual management charge (AMC)
Signature of applicant
for the fund(s) that your client has selected, which is taken
from the fund(s) before they are priced.
Signature of introducer
Effect of deductions
The effect of deductions is the difference between what your
client would get back if their premiums were to be
accumulated at the relevant gross rate of return (8% per
annum) with no deductions or charges at all, and what the
Day
Month
Year
surrender value is projected to be allowing for all charges
(product charges and fund AMCs). However, this is not an
Day
Month
Year
amount directly deducted from the policy or paid by the client.
Zurich International Life Limited (Singapore branch) is registered by the Monetary Authority of Singapore to conduct life insurance business in Singapore.
Zurich International Life Limited provides life assurance, investment and protection products and is authorised by the Isle of Man Government Insurance and
Pensions Authority. Registered in the Isle of Man number 20126C.
Registered office: 43-51 Athol Street, Douglas, Isle of Man, IM99 1EF, British Isles. Telephone +44 1624 662266 Telefax +44 1624 662038.
Zurich International Life Limited acting through its Singapore branch at Singapore Land Tower #29-05, 50 Raffles Place, Singapore 048623. Telephone +65 6876
6750 Telefax +65 6876 6751. Registered in Singapore No. T05FC6754E.
www.zurichinternational.com. Calls may be recorded or monitored in order to offer additional security, resolve complaints and for training and quality purposes.
11/09/2012 13:47 E.&O.E. V1.66.00
Z0002538/9999999/F/F/BPN/SING_SIV3S
Page 3 of 4
For further information on Vista please refer to the product brochure and
policy terms and conditions, copies of which are available on request.
3

4. Important information
Zurich International Life is a business name of Zurich International Life Limited.
Zurich International Life Limited is fully authorised under the Isle of Man Insurance Act 2008 and is regulated by
the Isle of Man Government Insurance and Pensions Authority which ensures that the company has sound and
professional management and provision has been made to protect policy owners.
For life assurance companies authorised in the Isle of Man, the Isle of Man’s Life Assurance (Compensation of
Policyholders) Regulations 1991, ensure that in the event of a life assurance company being unable to meet its
liabilities to its policy owners, up to 90% of the liability to the protected policy owners will be met.
The protection only applies to the solvency of Zurich International Life Limited and does not extend to protecting
the value of the assets held within any unit-linked funds linked to your policy.
Not for sale to residents or nationals of the United States including any United States federally controlled territory.
Zurich International Life Limited (Singapore branch) is registered by the Monetary Authority of Singapore to conduct
life insurance business in Singapore. Member of the Life Insurance Association of Singapore. Member of the
Singapore Financial Dispute Resolution Scheme.
MSP11359 (122524A04) (10/12) RRD
Calls may be recorded or monitored in order to offer additional security, resolve complaints and for training and
quality purposes.
Zurich International Life Limited provides life assurance, investment and protection products
and is authorised by the Isle of Man Government Insurance and Pensions Authority.
Registered in the Isle of Man number 20126C.
Registered office: 43-51 Athol Street, Douglas, Isle of Man, IM99 1EF, British Isles.
Telephone +44 1624 662266 Telefax +44 1624 662038
Zurich International Life Limited acting through its Singapore branch at Singapore Land Tower
#29-05, 50 Raffles Place, Singapore 048623. Telephone +65 6876 6750 Telefax +65 6876 6751.
Registered in Singapore No. T05FC6754E.
www.zurichinternational.com