DeVere Acuma (PIC) are Insurance Brokers only and are NOT registered or authorised by the DIFC or DFSA here in Dubai.
They hold a license with the Insurance Authority in Dubai to sell insurance not financial investments. You can file a complaint with them through their website
www.ia.gov.ae
Here is the surrender charge table for Zurich Vista - based on a 20 year plan - 25 year plan is worse. The percentage value is what THEY keep if you stop payments for a period of time or close the policy. They need to charge this because they gave away all your contribution payments made in the first 18 to 30 months to the salesperson who sold you the product!
Year
1 - 100%
2 - 97%
3 - 92%
4 - 87%
5 - 81%
6 - 76%
7 - 70%
8 - 65%
9 - 60%
10 - 54%
11 - 49%
12 - 43%
13 - 38%
14 - 32%
15 - 27%
16 - 22%
17 - 16%
18 - 11%
19 - 6%
20 - 0%
At the end of year 10 they would keep a fee 162,000 USD assuming a 2500 USD pcm policy and no growth (which is to be expected with this product due to high fees). This is very different to the encashment value in the personal illustration which is not a NET figure.
Due to all the high upfront fees and commission the policy will only break even at year 10, assuming you will then pay to maturity.
Remember if you stop or even reduce your payments (left employment or changed jobs) they will continue to making charges as if you're still making the full payments. This will eventually wipe out your account. After a period of no payments, the account will automatically be surrendered and subject to the above fees anyway.