ABOUT US
Ramgro (Pty) Ltd is an Authorised Financial Services provider specialising in:
At Ramgro, we offer peace of mind solutions, giving you confidence in knowing that your financial and insurance needs are taken care of.
For more information on what we can do for you, contact Ramgro for a quote today.
Medical Aid
Medical aid offers varying levels of cover depending on the plan you select, covering events such as hospitalisation, chronic conditions under prescribed minimum benefits, doctors’ visits and procedures.
We represent most of the major medical aid schemes in South Africa.
Short Term Insurance
Short term insurance provides financial cover in the event of a loss or damage of an insured asset. A contractual agreement is entered into with an insurance company, in which a monthly premium or contribution is paid for policy benefits that insure you should an event occur. The policy benefit is intended to place you in the same position that you were in before the loss event.
Life Insurance
The importance of life insurance cannot be overstated where you have dependents that rely on you for financial support, or you wish to leave a lump sum to loved ones. There are a number of considerations including financial situation and the standard of living you wish to maintain.
We represent most of the life insurance companies, and we would be able to guide you in selecting the best cover for you and your family.
Investments
Investing is where you put money to work for a period of time in order to generate positive returns. Investing traditionally occurs through financial schemes or shares.
We offer a specialist advisory and investment service that is well suited to investors looking for investment opportunities characterised by personalised portfolio management, consistent performance, and excellent returns.
Forex
Foreign exchange trading, is the buying and selling of currencies in the foreign exchange market. Should you be immigrating, importing or exporting products out of South Africa, we can ensure that you get the best exchange rate.
We use Fin Select as our designated service provider of choice.
Fiduciary Services
Fiduciary services are services provided by a person or organization, serving as a trustee, executor, personal administrator or discretionary agent that is legally obligated to act in the best interests of another person, family, business or trusts.
The term comes from the Latin word fiducia, which means “trust”.
THE TEAM
Johan Grobler
Broker
Johan Grobler is the founder and Managing Director of Ramgro (Pty) Ltd.
Johan is an award winning investment expert with 30 years of experience. Based on a client’s specific needs, Johan will optimally advise his clients ensuring that they achieve their stated investment goals all the while ensuring a client’s peace of mind.
Johan believes that the foundational principles for success as a brokerage firm are providing the best service and prudential advice, and that each client is valued like family. Johan has instilled his values into the DNA of Ramgro, and this successful formula has seen the Ramgro family grow.
Koen Nienaber
Koen joined Ramgro 2024. He previously worked as a consultant at Brightrock Insurance Company before moving to Discovery Insurance. His knowledge of insurance and life products is extensive. Koen now serves as a financial adviser at Ramgro (Pty) Ltd.
Henco Grobler
Risk Manager
Henco Grobler has been in the financial services industry for nearly a decade. Passionate about providing sound advice covering all aspects of financial portfolios.
Henco is qualified to provide expert advice in Health Services, Long Term Insurance and Wealth Management. With the assistance of his dedicated team, Ramgro can provide its clients with a bespoke one stop Insurance and Financial solution.
Quote – “Insurance is the only thing you cannot buy when you need it the most”.
Ryan Buys
Ryan Buys joined the company at the beginning of June 2025. He is the driver. He would like to pursue a career in the financial services industry.