MOSS POINT’S APPROACH

Understanding the Life Settlements Model

Modeling life settlements is a very straight forward calculation.

Nearly all of the variables are known — the total purchase price, the amount received upon maturity, & the discount factor.

The only variable that remains… is time.

The most successful investors in the asset class, are the ones that can most accurately predict time.

Visual representation of the Life Settlements Model, illustrating key concepts and benefits for investors in life insurance policies.

Big Data & Reversion to the Mean

Most investment managers in the [Tertiary Market] space, purchase policies held by senior citizens & rely heavily on actuarial data of life expectancy to make investment decisions.

The approach profits, by capturing a small statistical-edge from a large pool-of-activity, over an extended period of time.

It’s a business model employed in all sorts of industries — from casinos, to insurance companies, to quantitative investment management…

While it’s a sound approach — it’s very different than the Moss Point approach. In our experience, it’s also much less profitable.

 

Our Non-Traditional Approach

 
Investment in the MPF Maturity Model by Moss Point Financial, enhancing predictions of life expectancy for individual policies beyond industry-standard actuarial data.

Key Differentiator # 1:
Life Expectancy Modeling

We have invested heavily in our “MPF Maturity Model” to predict life expectancy of individual policies with greater accuracy than what can be achieved using industry-standard actuarial data.

 

Actuarial data is very accurate, but can also be riddled with assumptions – classifying individual conditions very broadly.

 
Quality Over Quantity approach at Moss Point Financial, with medical professionals assessing investments to identify high-return opportunities and reduce risk.

Key Differentiator # 2:
Policy Selection & Portfolio Construction

Our “Quality Over Quantity” approach, utilizes experienced medical professionals in every potential investment to identify the highest return opportunities available on the market — mitigating overall risk & volatility.

 
 
Experienced portfolio managers at Moss Point Financial actively managing policies to optimize premium payments and keep policies in-force for maximum returns.

Key Differentiator # 3:
Portfolio Management

Our experienced portfolio managers; actively manage portfolios for premium payment optimization & to ensure that policies remain “in-force” (or active) — yielding the best-expected returns.

 
 
Series LLC structure at Moss Point Financial creating separate accounts for each investor, ensuring transparency, custom exposure, limited co-investment, and reduced liquidity risk.

Key Differentiator # 4:
Investment Structure

Our Series LLC structure — can create separate accounts for each investor, provides full transparency with custom exposure, limited co-investment & a lower liquidity risk.

 

Find out more about Moss Point’s Team of specialized professionals.