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Cindy O’Toole is a Client Executive for Horton’s Benefit Solutions. She is responsible for providing expert employee benefits consulting, bringing new clients on board, and servicing and retaining existing clients. She is part of a team of employee benefits-focused specialists dedicated to delivering innovative healthcare solutions to employers.

Cindy brings over 15 years of experience in Human Capital Management and Employee Benefits, focusing on sales and account management. She has worked with public and private sector companies in the service industry and understands the needs for administrators, human resource managers and owners in their day-to-day operations.

“The health insurance industry is everchanging and the costs are continuing to rise year-over-year,” she says. “We need to be an advocate for our clients and provide them with the best strategies to help them attract and retain top talent.”

Throughout the years, Cindy has learned the importance of customer service, treating each client with respect and honesty. She works hard to build strong relationships with her clients and earn their trust to resolve the tough issues.

“I’m proud of maintaining a 98% client retention rate, which is a direct reflection of the effort I put forth to make all of them feel heard,” she says. “I always stay updated on the latest information to brainstorm new ideas and anticipate any needs they may have.”

Cindy grew up on the South Side of Chicago and currently resides in Westmont, Illinois with her husband, Jim (her high school sweetheart) and their dog Mac, a Jack Russell/Red Healer mix. When she is not working, you can typically find her on the golf course or cheering on her favorite sports teams: the White Sox, Bears and Blackhawks.

Fact File:


Northern Illinois University (Dekalb, IL): Bachelor of Science, Enterprise Management

Professional Designations & Licenses

Life & Health License

Professional Background
  • The Horton Group
    • Client Executive (June 2022 – Present)
  • GGC Financial, LLC
    • Account Manager (June 2019 – June 2022)
  • BenAxis Inc.
    • Account Manager (March 2018 – June 2019)
  • Aftermath Services
    • Client Manager (July 2015 – March 2018)
Industry & Community Involvement

Big Brothers and Big Sisters of Arizona – Volunteer Big Sister (Jan. 2007 – April 2009)