Making insurance easy

For individuals & families

We create an insurance packages that suit where you are at in life, in love, and in health. Best of all our customised plans don’t cost you a dime – in fact they often save customers thousands. We work for you, not the insurance companies.

In 2014 there were over 28,000 variations possible with insurance contracts. We help you navigate your way for the best possible package.

What We Offer

Insuring your Life

Whether you want to protect the life you’re living now or take care of your family if something happens to you, life insurance provides a lump sum of money if you die. In some cases a portion or the entire ‘sum insured’ is paid out before you die if you are diagnosed with a terminal illness. We can help you choose life insurance that’s designed to fit your life, change when your life does, and ensures that your family is taken care of after you’re gone.

Insuring your Health

Your health is precious. If you fall sick and can’t work you will need money to pay the bills. Insurance can help you make ends meet if you are unable to earn your normal income. There are many types of health-related policies such as medical, trauma, disability, income, and mortgage protection. We will figure out the best combination of each to serve you best.

Insuring your Income

Disability Income insurance provides on-going cash-flow and/or income in the event that of a disability or illness preventing you from being able to work. It is a fact of life that we all get sick and sometimes seriously. The cost of recovery from an illness like cancer or a heart attack can have a huge impact on you. The cost of treatment for serious illness can put a severe strain on your finances and the finances of others that depend on you. Food for thought, 2 in 5 men and 1 in 4 women between the ages of 20 and 64 suffer a critical illness.

Insuring your Business

Starting a new business is challenging enough without having to worry about how you will cope if you are unable to work due to sickness or injury. Running your own business may provide greater freedom and independence but you also have more responsibilities than you would have as an employee. Continuity, key person, locum cover, and business expenses insurance are common ways that you we can help you protect your investment of time and effort into your business.

Why Choose Us

Plans built

We make the paperwork easy. We will work with you to figure out your best solution at the best value possible.

Advisor 25+ years

For over 25 years Ruth Grant Financial has been serving customers with great advice. Our fine tooth comb process assist us to provide you the best advice possible.


``Ruth Grant has an awesome team and are fantastic to deal with. Got me a great deal, and better than any of the banks were offering me on my own.`` Kathryn

Always there

Our home is in Kerikeri and we are not going anywhere. We love it here and if you need to chat we are available to help. Personal service guaranteed.

Our Team


Ruth has been a business advisor and assessor in the financial services industry since 1986, including risk management, business and personal lending. Ruth has had over 25 years experience with insurance. Her main focus is to ensure that customers are getting the right policies and she is dedicated to finding the best financial solution for your own personal needs. Always working for the customer - not the insurance company.

Ruth Grant FSP - 105947

Ruth Grant
Owner / Director

Natalie has been involved in the accounts and administration of the finance & insurance industry since 2004. Natalie is there to assist Ruth with the “nuts & bolts” to streamline the process for you. As well as taking on the general running of the business, Natalie is currently studying towards a New Zealand Certificate in Financial Services to become a financial advisor in her own right. This will provide double the expertise within the business.

Natalie Kay-Hall FSP - 567287

Natalie Kay-Hall
Accounts & administration

What they say


Personal insurance made easy