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About us

Learn more about BP Agencies

Company Background

Bp Agencies is an independently owned and operated business selling AIL Insurance policies. AIL (American Income Life) was founded in 1951 by Bernard Rapoport with only $25,000 of borrowed capital and grew to become a multimillion dollar firm. In 1994 AIL was acquired by Globe Life Inc (Torchmark Corporation back then) for just over $560 Million Dollars at this Bernard retired as Founder of AIL and dedicated the rest of his life to  philanthropy through his foundation.


Since its inception, AIL has grown to become a leader in the Life Insurance Industry across North America and New Zealand. With over 8000 representatives working through its Agency Division, with over 250 agency offices and satellites offices across three countries, AIL has achieved stardom in the Life Insurance Industry.


AIL was also named 24th happiest place to work for by Ahead of the Walt Disney Company, Microsoft and American Express. To learn more about AIL visit its timeline here.


BP Agencies was founded as a Start-up Agency in December of 2013 by Byron Paz. It began in an 8 x 10 office with two folding chairs and a desk; today Bp Agencies strives to become the largest Agency representing AIL in Canada.

Our Mission, Vision & Values

our MIssion


our vision

At Bp Agencies we envision a better future for our clients and associates. By staying in alignment with our mission of becoming the largest and finest, by staying in alignment with AIL's mission of “Protecting working families” and growing our presence in our communities, we see ourselves as strong contributors to our local economies and continuously breaking growth records for AIL.

our values

At Bp Agencies we are committed to “MAKING TOMORROW BETTER”. Our values of integrity, Discipline, Perseverance and Excellence are in true alignment with Globe Life Inc (NYSE:GL) and AIL's Mission to “Protect Working Families” across our communities.


Byron A Paz was born in Guatemala City, Guatemala, and moved to Toronto in February of 2000. He has been associated with AIL since November of 2002 and obtained his life insurance license and underwent training to start serving working families in the Greater Toronto Area since February of 2003 with The Chalom Agency of AIL.


Byron’s success didn’t take long as he received his first promotion within his first 6-months of tenure to a Supervising Agent. This promotion was followed by another promotion to General Agency (Agency Leader) 9 months later. In August of 2005, Byron achieved his third promotion to Master General Agent (MGA) and started to grow and build teams all across the GTA. Within 12 months of his MGA promotion Byron achieved Regional General Agent status and he consistently ranked among the Top 20 RGA/MGAs worldwide with AIL. In December of 2013 after 8 years of becoming an MGA, Byron received his State General Agent promotion and become an agency owner under a partnership that saw the birth of Paz Agency.


The Paz Agency was named top rookie agency of the year in 2014 and received international recognition. After growing the Paz Agency from zero to 30 associates within 36 months, the Paz Agency had a spectacular 2017 being the second highest agency with growth in performance factor in all of AIL worldwide earning Byron an appointment to the AIL Executive Council of 2018. The Executive Council is a group of Elite Leaders that help the CEO and Executive Team in an advisory capacity to best strategize for continuous and future growth; This is Byron’s highest accomplishment to date.


In January of 2018 Byron Paz partnered with Josh Chalom to form the Chalom Paz Agencies. This venture lasted 20 months and in September of 2019 Byron became a sole-proprietor of BP Agencies. Since then BP Agencies has been once again an award winning agency with the year 2021 looking to be yet another growth year for this superb team.

Byron A Paz

Learn more about us.​


American Income Life is a wholly-owned subsidiary of Globe Life Inc. (NYSE: GL), an S&P 500 Company that markets life and supplemental health insurance for middle-income families through its affiliate companies.​

Count of Life claims paid by AIL in 2019
When we say AIL supports working families, we mean it. American Income Life advocates for key issues and campaigns, and invests in a public agenda reflecting core values important to all working people.

Social Responsibility
We contribute to various organizations that research, analyze, and propose solutions on fair trade, good jobs, environmental sustainability, and electing fair-minded candidates.

American Income Life in Action
Publicly we:
  • Defend workers’ rights
  • Advocate for financial reform
  • Champion for a fair economy
Privately we:
  • Visit thousands of families a year
  • Offer affordable, permanent, portable life insurance

An insurer’s ability to pay claims should be a factor when considering an insurance company. American Income Life has consistently earned high financial strength ratings.

American Income Life, along with our New York subsidiary National Income Life, has combined assets approaching $4.7 billion with more than $67 billion of life insurance in force in 2019 (as of 12/19).



As other companies downsize, American Income Life continues to experience growth. AIL’s efforts are focused on creating more union jobs. We proudly proclaim our status as a 100% union label Company. From the representatives in the field who write an application, to the administrative staff in the Corporate Office, all the way up to the CEO, everything is done under the union label.

Also, with increased commissions, production bonuses, and lifetime vesting, AIL’s field force has seen phenomenal growth in long term net worth and a secure financial future. For more information on opportunities with American Income Life, please visit our Careers page.

American Income Life doesn’t just insure our policyholders; we also support causes that are important to our policyholders. We also support causes that are important to our policyholders. Giving is at the heart of American Income Life Insurance Company. Giving back to our communities is vital to the success of our Company. In fact, giving permeates every facet of American Income Life and its subsidiaries. It’s this charity that has awarded us the trust and loyalty of our policyholders and the respect of the community.

American Income Life Is a Different Kind of Insurance Company

From its inception, Bernard Rapoport founded American Income Life Insurance Company on the bedrock of supporting labor. Like you, we deal with bread-and-butter issues. American Income Life has a long history and rich tradition of partnering with the labor community through national and local leaders, advocating for key issues and campaigns, and investing in a public policy agenda that reflects the core values of importance to all working people.

“I remain convinced that the American free enterprise system needs the labor movement to guarantee democracy on the job and fairness to workers. I am proud of the labor movement, and I am proud of my relationship with it. It’s great to do well by doing good.”
-Bernard Rapoport, Founder of AIL

American Income Life is working with the country’s most prominent labor organizations, leaders, and activists. This includes working with the leaders and more than 45 international unions.


Who we serve.

American Income Life & Labor Unions
Since 1951, American Income Life has operated in the spirit of ‘Be Union – Buy Union.’ Wherever and whenever there is an opportunity to further the cause of labor, we are the first in line. From the representatives in the field who write an application, to the administrative staff at the Corporate Office, all the way up to the CEO, everything is done under the union label ... and we wouldn’t have it any other way. Through our long-term relationship and commitment to organized labor, we have been able to develop a Labor Advisory Board made up of more than 50 international union leaders, AFL-CIO representatives, and ‘Change To Win’ representatives who advise us on the best way to be of service to the labor movement.  
American Income Life's Commitment to the Mission of Labor
American Income Life and National Income Life Insurance Companies have a commitment and dedication to helping working families during their times of need. We take pride in:
  • Walking picket lines to support union members
  • Setting up food banks to support striking members
  • Offering other support as needed
Our Corporate Office union members fight locally, statewide, and nationally for what really matters — good jobs, affordable healthcare, and the right to organize.
American Income Life & Credit Unions

From the beginning, our focus has always been on making quality insurance products available through credit unions with which the average family is affiliated. This makes it convenient and cost effective for working people to purchase benefits they might not otherwise be able to access. We serve more than 20,000 organizations nationwide, representing more than 2 million policyholders. At American Income Life, we continuously strive to deliver one-on-one, superior service to credit unions and their members.

American Income Life's Commitment to the Mission of Your Credit Union

Credit union goals are varied and unique. We customize our marketing plans to help achieve those goals. We listen to the credit union and work together to develop personalized marketing plans and services. Our marketing plans are designed to support the credit union’s initiatives and strategies, all at no cost to the credit union.

Credit Union Services – Whether your goals are membership renewal, membership retention, increasing member participation in credit union services, credit union growth through new members, or enhancing your credit union profile within your community, our programs can benefit you.

Surveys – Member feedback is important. AIL representatives can help gather data the credit union can use to enhance your efforts to become a member’s Primary Financial Institution.

Increased Loan Value – We work with you to identify members who are in need of car loans, mortgages, and credit cards which help you recapture revenue being lost to banks and financing companies.

AIL’s Commitment to Associations

American Income Life's goal is to protect all working families, and this protection extends to associations. Regardless of whether your association is for licensed professionals, a fraternal organization, or recreational purposes, your members deserve that protection.


Community Service

AIL encourages its representatives to help support our marketplaces. Our representatives are involved in food banks, community projects, and various local and state charities.


Marketing Plans

AIL listens to association directors and works with them to develop marketing plans specific to their needs.

Whether your goals are membership renewal, membership growth, or enhancing your association profile within your community, our programs can help you.

For more information on how AIL can partner with your Association to provide valuable benefits to your members, please visit our Contact page.

What Makes Us Unique

Bp Agencies of AIL is in alignment with Globe Life’s Mission of Making Tomorrow Better by providing  protection to the segment that contributes the most to our economy - WORKING FAMILIES.           

We pride ourselves in protecting and serving working families across Canada, the United States of America and New Zealand. We pay annually over $200,000,000 in claims to working class families across the countries we serve.

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