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Paul Crema has over 20 years experience in working with many of Canada's largest insurance providers.


As a client you can expect only the best insurance solutions to meet your needs. Harmony Financial and Financial Horizons Group has access to all the major insurance providers, which ensures you're getting the best unbiased advice.


We have extensive experience designing and implementing insurance solutions for families and business. Our insurance related services include life insurance, disability insurance, critical illness insurance, medical and dental insurance. These solutions have provided our clients with the peace of mind in knowing they will be well protected in their time of need. Our business insurance experience involves designing policies for the operation of small business and creating employee benefit packages for business owners.


How we can help you:

  • An unbiased overview of you current policy and suggestions for improvement of services or reduction of costs;
  • Help you understand you true needs. Not what you are told you need;
  • Advising you on the bids from competing insurance agencies;
  • Reading the "fine-print" of your policy. Are you as well covered as you had believed?
  • Advise you in dealing with your insurance provider in your time of need.

Lifecheque® Basic Critical Illness Insurance and The Association Health and Dental Plan


If you are looking for an affordable, simple solution to meet your need for critical illness insurance, Manulife has the answer. Lifecheque Basic offers critical illness protection at a low cost, and with a hassle-free application process.


Lifecheque Basic is a simplified critical illness insurance plan that provides a one-time benefit upon a diagnosis of one of the five most common conditions: heart attack, stroke, cancer, aortic surgery and coronary bypass. It requires no underwriting or medical tests, only a signed declaration of good health. Exclusions and restrictions apply.


For more information on this insurance or to purchase a plan, click on the link below.


Click Here



The Association Health and Dental Plan

An alternative for members of both small and large associations, no matter whether they are single, have a young family or are nearing their retirement years.


The Association Health & Dental Plan offers 8 distinct plan choices which feature[s] prescription drug coverage, dental, hospital, vision, EHC and AD&D. The Association health and dental plan protects your clients against routine and unexpected health care expenses by filling in the gaps left by their provincial health insurance plan.


For more information on this insurance or to purchase a plan, click on the link below.


Click Here


Travel Insurance


We are pleased to advise that Harmony Financial now has travel insurance available through Manulife Financial.


You can’t expect to have a medical emergency away from home, or to have to cancel a trip due to an emergency but you can be prepared for these events. Take this opportunity to choose the plan that’s right for you if you are traveling for pleasure or on business.


Click on the link below to protect yourself and your health before traveling.


Click Here

Insurance Consulting

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