
The 4/4 Strategy for business owners
Turn your biggest liability into your biggest asset.
One product · three covers
Life coverDisabilityIncome protection
Debt, partners, key people, payroll: every one is a risk sitting on your balance sheet. The 4/4 Strategy covers you, your income and your business in one product, and pays up to 50% of your cover back, tax-free.
- Up to 50%of cover, back from 65
- Tax-free10-year payout
- FSP 18147Tigris × Discovery
See what you'd get back
One slider. Your number.
Drag to your monthly premium. We'll show what Tigris × Discovery could pay back to you, tax-free, from age 65.
35retiring at 65
1864
Drag to set
R 1 800/ month
R 500R 10 000
You'd get back, tax-freeR 3.97mpaid over 10 years from age 65, at R 397k per year
Illustration only · based on age 35, retirement 65, 4% p.a. growth. Final figures confirmed in your Discovery quote.
South Africans on Tigris × Discovery
People who've seen the number.
“We built this with Discovery because traditional life cover is a one-way deal: premiums in, nothing out. Now every rand of premium works two ways: protection now, and a real cash-back at 65.”

Ashley LaatzFounder, Tigris Wealth
“I’ve had cover for years and never thought I’d see a cent of it back. Tigris showed me the maths in plain English, and it just made sense.”

Kevin LerenaProfessional Boxer · WBC Cruiserweight
“What sold me wasn’t a sales pitch. It was a number. They walked me through what I’d get back at 65 and let me decide.”

Jessie KrielSpringbok · World Cup Winner
3 steps · no pressure
The 4 / 4 Strategy
One premium. Four ways it works for you.
Every business carries liabilities: debt, partners, key people, payroll. The 4/4 isn't just another policy: every rand of premium is split into four working parts, so the cover you already pay for becomes an asset instead of an expense.
The old way0% back
Traditional life cover
- 100% of your premium to the insurer
- 0% paid back to youWalk away with nothing at retirement
- Single benefit onlyLife cover and that's it
- No tax efficiency on payout
The new wayUp to 50% back
Tigris × Discovery: the 4 / 4 Strategy
- 1/4: Life coverLump sum on death, paid to your family
- 1/4: Disability coverLump sum if you can't work again
- 1/4: Income protectionIf you stop, your income doesn't
- 1/4: Cash back at 65Up to 50% of your cover, tax-free, over 10 years
Personalised projection in 2 minutes