Rexford Insurance Solutions
Watch out for the T-Rex
We uncover hidden risks, close gaps, and protect what you've built.
The T-Rex is everywhere.
We advise families with life insurance and annuities. We place hard-to-place risk on business operations and complex commercial property insurance.
Get In Touch
We're happy to be a resource. Whether it's a legacy planning question, a hard to place risk, or a client situation that needs a second opinion — reach out.
What We Do
We help business owners, family offices, boards, and nonprofits identify risk, close coverage gaps, and protect what they've built before problems arise.
We also help families create long-term protection strategies — structuring life insurance, annuities, and trust-based planning to help preserve wealth and transfer assets as intended, while coordinating with your existing advisors or assembling the right team.
How We're Different
We operate at the intersection of advisory and insurance. Most insurance is placed based on what's on paper. We focus on what's actually happening. We don't just place policies. We advise.
Call us when something doesn't add up.
The T-Rex — Legacy Planning
Unexpected risks, market changes, taxes, and life events. We design customized Life Insurance, Annuity, Disability, and Long-Term Care strategies to help protect what matters most.
The policy was placed 15 years ago by someone who moved on. The estate grew. The coverage didn't. Nobody noticed until it was too late. Assets get divided the wrong way. Siblings stop speaking. What took one generation to build gets spent fighting over in the next.
Solution
We start with education. Before anything gets placed, we sit down and walk through what you've built, what's actually at risk, and what it takes to transfer it the way you intend. The insurance piece is the cherry on top.
Your estate has grown. New assets, new structures, new family dynamics. But your coverage looks exactly like it did when you first signed. That gap is where wealth transfer breaks down.
Solution
We rebuild around the estate you have today. Whole life and term coverage that reflects your current situation. Buy-sell agreements and key executive coverage for the business. Annuities structured around the long-term wealth transfer plan.
Your CPA, your estate attorney, your wealth manager — they each have a piece of the picture. But if nobody has sat down with all three and aligned the insurance around the full plan, there are gaps nobody knows about.
Solution
We collaborate with your CPA, attorney, and wealth manager to make sure every piece of the plan is aligned. We don't replace the advisor. We make the advisor look thorough. For families with special needs beneficiaries or foreign nationals in the estate, we know exactly where to go.
Many families have a will that's decades old — or no trust at all. Without one, the estate goes through probate: public, slow, and expensive. The plan you think is in place may not hold up when it matters.
Solution
We coordinate with your estate attorney to get a living trust and current will in place, or update what's outdated. Insurance, beneficiary designations, and the legal documents move together, so nothing contradicts itself when the estate transfers. We don't draft the trust or the will — we make sure the plan behind them actually holds up.
IBEX — Risk Advisory & Commercial Insurance
IBEX — Integrated Business Exposure Management — helps growing businesses identify, manage, and protect against the risks that can disrupt their operations, employees, and financial future.
We work with business owners across real estate, healthcare, assisted living and skilled nursing, hospitality, professional services, and operating companies to design insurance programs that fit how their business actually runs.
Insurance is only part of the solution. The real risk often comes from gaps in operations — vendor issues, employee exposures, compliance concerns, contracts, and processes that were never fully addressed.
Through a practical risk review, IBEX helps business owners:
Because the best time to fix a risk is before it becomes a loss.
"Find the risks others miss."
"Transfer the risks you can't eliminate."
Having a policy and being covered are two different things. Most business owners find out the difference at claim time. "I'm covered" is not a risk management strategy.
Solution
We offer a complimentary audit. No obligation. Just a fresh set of eyes on what you have. Most of the time we find something. Either way you leave knowing exactly where you stand.
You've grown. New locations. More employees. Different contracts. Higher revenue. But your insurance program looks exactly like it did three years ago. That gap is where claims get denied.
Solution
We rebuild your program around the business you have today. Not a template. Not last year's renewal with a 10% increase. A structure that reflects your actual operations and where you're headed.
Your lender requires it. Your general contractor requires it. Your lease requires it. But does your policy actually satisfy those requirements? Most of the time nobody checks until something goes wrong.
Solution
We review your contractual and lender requirements as part of the program build. Certificates, additional insured endorsements, waiver of subrogation — handled before it becomes a problem.
You've had claims. Now your renewal comes back higher every year and nobody can explain why in a way that makes sense. The carrier is reacting to your loss history. But nobody is helping you fix it.
Solution
We go upstream. Loss history analysis, safety practice review, claims frequency patterns — we identify what's driving the cost and build a strategy to reduce it. Lower frequency and severity means better pricing at renewal.
Nobody wants to open that door. But most of the time people are either overpaying for coverage that doesn't fit, underinsured in ways they don't know about, or both. The question was never whether to switch. The question is whether what you have is actually working for you.
Solution
We don't come in to replace your broker. We come in to give you a second opinion. No pressure. No obligation. Just the truth about where you stand.
Your industry is complicated. Your property has a history. You've been declined or you're paying rates that don't make sense. Most brokers stop there. They don't know where to go and they don't tell you that.
Solution
Hard to place is where we want to be. Across personal and commercial lines, we work with specialty markets and non-admitted carriers. Declined applications, complex properties, high-risk industries, umbrella needs. Bring it to us.
Good. Keep them. But here's the question nobody asks. When was the last time someone actually looked at what you have? Not to renew it. Not to collect a premium. But to sit down, read the policy, and tell you the truth about whether it still makes sense for the business you're running today. Having a broker and being covered are two different things.
Solution
Keep your broker. Keep your policy. Just let us take a look. We come in as a risk management layer — evaluating exposures, loss history, safety practices, and insurance structure. Most brokers don't do this. Not because they can't. Because it's not what they're paid to do. Your broker places the policy. We make sure it holds up.
An Expense Disguised as a Solution
Rexford was engaged to conduct an operational audit. During the review, we identified a third-party vendor selling crisis management and advertising solutions that appeared to address a problem but was actually creating one. The company was being overcharged in certain areas, resulting in hundreds of thousands of dollars in excess expense annually.
What We Did
We presented our findings to the board, outlining the financial impact and operational risk. The vendor relationship was reevaluated, processes were corrected, and the exposure was addressed before it escalated into disputes or claims.
What looked like a fix was really an expense disguised as a solution, creating exposure and potential liability.
Leads were coming in, but conversions weren't. It wasn't a sales issue. The business was marketing a level of care it wasn't licensed or operationally structured to deliver.
What We Did
We assessed operations against what was being promised, reviewing licensing, staffing, and execution, and identified a clear gap between the product and reality. We worked with ownership to realign operations with the offering. Once the product matched the promise, conversions followed.
Not a marketing problem. An execution problem.
Our Approach
We work alongside ownership and operations to evaluate exposures, loss history, safety practices, contractual risk transfer, and insurance structure. From there we build coordinated strategies that lower the frequency and severity of claims while improving cost efficiency and business continuity.
We offer a complimentary risk audit. No obligation. Just a fresh set of eyes on what you have.
Request Your Free AuditClient Reviews
"Jonathan is amazing! He is patient, thoughtful and honest. If anyone needs insurance — he's your guy!"
Jonathan Hoenig
Google Review
"Incredible service. Trusted advice. Thorough analysis. Super responsive and patient with rounds of questions."
Douglas Schiller
Local Guide · Google Review
"Jonathan at Rexford Insurance Solutions provided excellent guidance for my life insurance. Professional, clear, and trustworthy. Highly recommended."
Rachel Victor
Google Review
"Very honest, knowledgeable, and was able to explain everything clearly. A wonderful experience from start to finish."
John Partouche
Google Review
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