Our Awards
Here are some of our achievements
TOP 3 BMO MORTGAGE REFFERAL PARTNERS IN QUEBEC! 2022
MANULIFE’S #1 MGA IN THE QUEBEC REGION FOR 2019
Sun Life’s #1 MGA in the Eastern Region for 2016
Sun Life’s #1 MGA in the Eastern Region for 2015
Sun Life’s #1 MGA in the Eastern Region for 2014
Top Producing MGA of the Eastern region in 2012 for Sun Life
Best Managing General Agency for 2007 Empire Life
Masters 2007 RRSP Challenge award from Empire Life
1st In Life & Living Benefits Sales Credits Eastern Canada 2007 Manulife Financial
AIG Life of Canada 2006-2007 Sales Leadership Award Life Production
Transamerica Award Of Excellence 2005 Outstanding Increase In Life Production
RBC Insurance President’s Award 2003 Top Producer Group Eastern Canada
RBC Insurance President’s Award 2002 Top Producer Group Eastern Canada
Maritime Life Quebec Region 2001 Investment Production Silver Award
RBC Insurance President’s Award for Managing General Agent Greatest Sales increase in Canada 2001
RBC Insurance President’s Award for Managing General Agent Greatest Sales increase in Canada 2000
Maritime Life Quebec Region 2000 Investment Production Silver Award
Maritime Life Quebec Region 1999 Investment Production Silver Award
Maritime Life Quebec Region 1998 Investment Production Silver Award
Maritime Life Quebec Region 1996 Life Production Bronze Award
AIG Life of Canada In Recognition of our Strategic Partnership Your Life….Our Mission

Who We Are
Manuel Smith Life Insurance Agency Ltd.
Founded in 1978 and federally chartered, MSA Financial is a firm in brokerage of financial services and is a registered financial planning firm. MSA Financial is an authorized Managing General Partner (MGA) of numerous large and well known financial institutions, whose products it distributes through licensed independent financial security advisors. MSA Financial has been awarded numerous awards in recognition of the firm’s achievements. MSA Financial is licensed in the province of Quebec, Ontario, Manitoba, Alberta and British Columbia and is governed by the regulatory bodies of those provinces. MSA Financial is also a member of Chambre De La Sécurité Financière. MSA Financial is located in Montreal, Quebec and offers a wide range of life and health insurance products, savings and retirement plans. MSA financial has been successfully helping financial security advisors and their clients since 1978 years in growing their business, achieving and surpassing their goals. We are one of the largest managing general agencies, our service and strong values have made us well known and respected in the industry.
Meet the MSA Financial Marketing Staff

Gérald Guilmet
Assistant Vice-President – Brokerage Development
Gérald graduated from the European Academy of Legal Theory with a Master’s Degree in law in 2000. After spending 5 years in Legal and Banking, he joined the insurance industry through the brokerage distribution network in 2005.
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Pauline Haddad
Senior Vice-President
Pauline earned her Financial Planner certification from UQAM, her AVA from the University of Laval and also holds an insurance of person license and a mutual fund license since 1995.
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Rick Fuller
Vice President of Brokerage Development
Rick started his insurance career with the Prudential Insurance Company of England in the early 1970s.
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Fen Huang
Vice-President
Hsiao Fen Huang graduated from Concordia University in 1991 with a Bachelor of Commerce degree in Accountancy. She started full time at RBC Royal Bank in 1994, serving the affluent niche markets as a financial advisor. In 1997, Fen obtained her Canadian Securities license from the Canadian Securities Institute, followed by a Branch Compliance Officer and Investment Funds in Canada licenses in 2002 from the Institute of Canadian Bankers. In 2002 as well, she was promoted to manage the customer service team of one of the largest RBC West Island branches, and as the main branch compliance officer, she monitored suitability transactions and coached 15 mutual funds licensed advisors and financial planners. Under her leadership and coaching, most of her employees excelled into top sales performers, earning distinguished awards and recognition.
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As a proud member of the MSA team, Fen’s priority is to assist and support brokers’ needs, such as preparing quotations, financial needs analysis, Reason Why letters, disclosure and replacement forms, and all necessary compliance requirements. She also assists advisors by working with them one-on-one on potential and pending cases, how and when to ask for client referrals, how to use Project 100 to grow your business, etc. For segregated funds, she helps them complete an investor profile, determine suitability of funds based on risk tolerance, investment objectives, time horizon and investor personal information, be complying with the completion of the mandatory “Know Your Client” form, and understand why the section “Source of Funds” is an important part of the investment application. In short, her goal is to assist brokers and deliver a high level of broker services since Fen is passionate about recruiting and developing brokers to be successful in the industry.

Daniel Poirier
Business Development Manager, Living benefits and Life Insurance
Daniel started his business career with the Royal Bank of Canada in 1969, he held various positions in marketing and as an account manager.
In 1992, Daniel became a life insurance advisor for Mutual of Omaha and in 1998 he joined the brokerage distribution network as a specialist in living benefits.
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network as manager in living benefits where he has been successful in supporting advisors in their day to day business needs.
Daniel brings over 27 years of experience to MSA Financial, his knowledge and great expertise in assisting advisors makes him an important part of the MSA Financial team.