Life Insurance.
Now in Bitcoin.

Meanwhile's life insurance products are built on the same actuarial principles and framework as traditional life insurance products—our products are just denominated in BTC, not fiat currency.

By merging the time-tested structure of whole life insurance with modern digital assets, we offer Bitcoin holders a unique solution: protection for their families, tax-advantaged long-term growth, and a simple, secure way to pass on their Bitcoin wealth. Meanwhile is designed to operate for generations, with a BTC-denominated balance sheet and regulatory structure built for long-term policyholder protection.

No. Premiums must be paid in Bitcoin only. We do not accept fiat currencies.

Meanwhile secures your Bitcoin through institutional-grade custody with Anchorage Digital Bank as our primary custodian, with Coinbase available as an additional qualified custodian. Both operate within our comprehensive Digital Asset Risk Management framework and meet our rigorous standards to ensure your Bitcoin remains safe for decades to come.

Each policy provides a guaranteed death benefit and a BTC-denominated surrender value that grows over time to equal the full face amount by age 100. Surrender values are calculated using a 2% annual compounding interest rate and the 2017 Commissioners Standard Ordinary (CSO) Mortality Table (Male/Female, Smoker-Distinct, Loaded, Select & Ultimate, Age Nearest Birthday).

In short, your BTC premiums accumulate value through 2% compound growth, reduced by standard mortality charges, resulting in a transparent and predictable build-up of cash value over time.

Everything is in Bitcoin. Your premiums, surrender value and death benefit are all denominated in BTC.

No, we are a non-mutual life insurer. Our policy does not pay dividends.

Yes. After the first policy anniversary, you can borrow BTC against the policy's surrender value (up to 90%). There is no margin call risk or required repayment schedule because the policy surrender value acts as the collateral - the outstanding loan balance is simply deducted from the death benefit at time of claim.

The current loan rate is 3% annually in BTC. Both principal and interest are denominated and repaid in BTC, meaning you will owe 3% of the outstanding loan amount each year, regardless of Bitcoin's fiat value.

When the time comes, the policy's beneficiary(ies) will contact Meanwhile to submit a claim and provide proof of death. Once processed, Meanwhile's claim specialist will arrange payment to a BTC address of the beneficiary's choice - no complicated custodial set-up or inheritance plan necessary.

If your beneficiary(ies) are unfamiliar with Bitcoin custody options, Meanwhile's team will be able to assist them in setting up an account at an exchange or wallet of their choosing in order to receive the death benefit.

Policies are usually underwritten within 24 hours. Most applicants qualify without a doctor visit or blood test. Meanwhile's internal insurance underwriting team reviews each application using digital health data and standard risk assessment practices.

Every life insurance policy includes three key roles:

• The owner: This can be an individual, trust, or legal entity.
• The insured: A single human life between the ages of 18 and 65.
• The beneficiary: One or more individuals, trusts, or charitable organizations. Beneficiaries can be designated in any proportions the owner chooses.

This structure provides flexibility for estate planning, wealth transfer, and charitable giving—all denominated in Bitcoin.

Similar to other life insurance carriers, Meanwhile invests policyholder premiums in a portfolio of high credit quality fixed income investments to fund its long term liabilities. All investments undergo rigorous review and must be approved by our internal investment committee and Board of Directors.

There is no currency risk as Meanwhile's entire business operates in BTC - all premiums, policy benefits, investments and financial statements are denominated in BTC. Therefore, the price of BTC to any currency is irrelevant to the policy benefits or solvency of the company. For Meanwhile, 1 BTC always equals 1 BTC.

No. Meanwhile currently retains all mortality risk and does not share or report this coverage to any outside vendor, reinsurer, or partner.

Meanwhile is licensed and regulated by the Bermuda Monetary Authority (BMA), one of the world's most respected insurance regulators. The BMA enforces strict capital, reserve, and risk management standards. Our operations are also subject to independent audits and oversight from an experienced board to ensure full regulatory compliance and transparency.

Meanwhile is a long-term insurer licensed and regulated by the Bermuda Monetary Authority (BMA). The BMA requires us to hold ample capital and to keep your premiums in a dedicated long-term business fund that can be used only to pay policy benefits.

If, despite these safeguards, Meanwhile were placed into liquidation:

• Policyholders come first. Under Bermuda law, the liquidator must satisfy life insurance claims from the long-term fund before paying any other unsecured creditors or shareholders.
• Early intervention is built in. Long before liquidation, the BMA can freeze asset transfers, restrict new business, or appoint provisional liquidators to protect policyholders' interests.
• Real-world track record. In recent Bermuda cases where assets were properly segregated, policyholders have been on course for full or near-full recovery. Even in older cases with asset shortfalls, customers still recovered a significant portion of their claims.

Bottom line: your policy benefits sit at the front of the creditor queue and are backed by dedicated reserves, giving you strong legal protection—even in a worst-case scenario.