Zurich Vista is recommended by traditional direct salespeople (IFAs) as an ideal savings product for expats who want to save to reach a long-term financial goal.
It can also be white labelled (that is: it is a product that other financial institutions can sell with their own logo on, their own product literature relating to the product etc.)
Zurich Vista is often sold by banks as well.
If your policy is surrendered early you may get back substantially less than you actually invested, and in the first 18 months you will get nothing back.
As it is a unit linked regular savings plan, Zurich Vista is susceptible to market risks.
Effective management of the investment strategy and expert guidance of an investment adviser may add considerable mileage to the growth in fund values of the plan.
It is not intended as a short-term plan.
You should not invest in such a plan if you may need the money for short-term financial goals.
You should not commit to saving a high monthly premium if you are unsure whether you will maintain that level of premium for the duration of the plan, as fees will depend on your initially agreed premium.
You should not commit to saving for a term longer than you realistically expect to be able to save for.
These all sound fairly obvious - but you'll be astounded at some of the premiums and terms people are persuaded to sign up for...often to their detriment.