Many managers in the tertiary market rely heavily on large actuarial datasets and broad life expectancy tables to guide their investment decisions. This approach seeks to capture a statistical edge across a wide pool of policies over long periods of time — similar to methods used in insurance, quantitative trading, and other high-volume industries.

While effective for some, this “reversion-to-the-mean” strategy differs significantly from the Moss Point philosophy — and often results in less precision at the individual policy level.

 We believe investors deserve a more detailed, thoughtful, and tailored approach — one grounded in policy-level insight, not averages.