Erma Young is the Operations Manager for the entire agency, managing both our Byron and Oregon office locations. She splits her time between the Byron and Oregon offices and is a key person in the LPL operations. Erma has been with BFS since 2008. She received her life and health insurance license in 2012. A resident of Davis Junction since 2004, she has strong ties to the area with three grandchildren who graduated from the Stillman Valley school district.