Carrie Espinosa, Owner & Principal Broker

With decades of industry experience, Carrie is passionate about helping employers from hire to retire.  She likes to think outside of the box and introduce creative solutions to help drive value for employers and benefits satisfaction for employees. Having been raised by her grandparents, Carrie is also experienced and passionate about helping her clients with the transition to Medicare. She served on the Latino Advisory Committee for Blue Cross and currently serves as the Legislative Chair for her Chicago ​NAHU Chapter. She is honored to be a trusted resource to many local companies and churches.

Outside of the office, Carrie enjoys reading and keeping up on industry information. She also enjoys spending time with her family and watching her boys play sports.  



Kristin Herrera, Licensed Office Manager

Kristin Herrera is the Office Manager at Horizon Benefit Services and the backbone of the Agency. From client services to policy issue resolutions, Kristin handles these and other situations with a smile. Kristin has over 10 years experience in the insurance industry, plus over 15 years experience in client services for various industries. Kristin is fluent in Spanish and is passionate about helping clients understand how their health insurance works. 

When not at work, Kristin enjoys serving on the administrative team at her Church and spending quality time with her children.  She is also pursuing her degree in Business Administration.  


Brenda Marban specializes in serving our individual clients, from helping navigate their insurance options to billing questions and other service related matters. She is passionate about directing our clients on how to get the best value for their insurance dollar. She has been with the Agency for several years and has proven to be instrumental in providing our clients with a delightful insurance experience. She is also fluent in Spanish.  

When not at work, Brenda enjoys spending time in the city. She is dedicated to 
​raising awareness and funds for the Multiple Sclerosis (MS) Society and advocating for people who suffer from chronic illness. 

As an independent brokerage, we take a consultative approach and help you navigate your benefit options.We represent the major carriers and have extensive experience with their products and service teams. We are passionate about providing exceptional value to you and your employees.