EFTA Court 13 June 2013, Judgment of the Court of 13 June 2013 in Case E-11/12 — Beatrix Susanne Koch, Lothar Hummel and Stefan Müller v Swiss Life (Liechtenstein) AG (Directive 90/619/EEC — Directive 92/96/EEC — Directive 2002/83/EC — Directive 2002/92/EC — Life assurance — Unit-linked benefits — Obligation to provide fair advice — Information to be communicated to the policy holder before the contract is concluded — Principle of equivalence — Principle of effectiveness)

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