UCT Retirement Fund Life Cover Calculator


Welcome to the UCT Retirement Fund Life Cover Calculator.

This calculator is designed to assist you in chosing your level of life cover. NOTE THAT SINCE THE CALCULATOR IS BASED ON INCOME REPLACEMENT, YOU MUST HAVE AT LEAST ONE DEPENDANT TO USE THIS TOOL. It should only be used as a guide as several important assumptions are made, namely:
  1. Investment returns will be 5% p.a. higher than inflation over the long term.
  2. A long term inflation rate of 5% p.a. has been assumed.
  3. Your spouse has a normal life expectancy and there is no child mortality.
By using this tool you agree that:
  1. No representations or warranties are made or given regarding the accuracy and suitability of the information.
  2. Neither UCT Retirement Fund nor Fifth Quadrant will under any circumstances whatsoever be liable or responsible for any damages or loss, whether direct or indirect, or whether in contract or in delict, which may be incurred or suffered arising out of the use of this tool, or the use of any information contained therein.
START USING THE CALCULATOR...