No keys or seed phrases to manage. Regulated institutional custodians hold the Bitcoin backing your policy. If a custodian is compromised, the loss falls on our balance sheet—not your policy.
Get startedMeanwhile Group
Our investors: Bain Capital Crypto, Pantera, Haun Ventures, Apollo, Northwestern Mutual Future Ventures, Sam Altman and others.
Our Bermuda insurer
Audited figures as of 31 December 2025.Read our financials →
The problem
Every event adds a task to your list:
You can do everything right and still lose.
Our solution
Policy value
12.50 BTC
Insured
Your name
Insurer
Meanwhile Insurance Bitcoin (Bermuda) Limited
Regulator
Bermuda Monetary Authority
Beneficiaries
Daughter 50% · Son 50%
Beneficiaries
A policy with a regulated Bermuda insurer, not a claim on coins at a custodian.
If a custodian is compromised, the loss falls on our balance sheet, not your policy.
They file a claim and are paid in Bitcoin. No treasure hunt, seed phrase or multi-signature setup to decode.
How we keep your Bitcoin safe
Anchorage Digital Bank and Coinbase hold the Bitcoin backing your policy, segregated from their own assets.
Capital well above what our regulator requires, which backs our policyholders’ benefits.
The Bermuda Monetary Authority supervises us, policyholders are paid first in an event of default, and our books are audited every year.
I am a policy holder and have complete peace of mind since I got started. The worry is literally out of my hands. My wife and kids don’t have to worry about the cold wallet safety or which exchanges I have holdings.
In practice
The questions we hear most, and what protects you in each case.
The loss falls on our balance sheet, not your policy. Your policy value stays what the contract says.
Client coins are segregated from the custodian’s own assets, so its creditors can’t reach them.
We hold a capital cushion well above our regulator’s requirement, premiums sit in a ring-fenced fund, and under Bermuda law policyholders are paid first.
The Bermuda Monetary Authority supervises us, and an independent auditor checks our books every year.
Read our audited financials →Your custody options
Compare six ways of holding Bitcoin, ours included, against what matters most to you.
Take the 2-minute assessmentEasy to own, but you can’t withdraw the Bitcoin.
Convenient, but your account can become a target.
No keys to manage. Access through policy terms.
You hold keys, and a specialist helps.
Simplest self-custody. One secret to protect.
Several keys. More technical to run.
BTC Life
Life insurance paid in Bitcoin, with the coins held by regulated custodians and the benefit paid to your family in Bitcoin.
Learn moreBook a 30-minute call with our team.
Get in touch150 Sutter Street #520
San Francisco, CA 94104
Canon's Court, 22 Victoria Street
Hamilton HM 12, Bermuda
Meanwhile Insurance Bitcoin (Bermuda) Limited ("Meanwhile") is a life insurance carrier licensed and regulated by the Bermuda Monetary Authority.
Applications for Meanwhile's insurance products will only be received and reviewed by the company at its offices in Bermuda, and all offers and sales of its insurance products will only be made in Bermuda. Meanwhile does not conduct insurance business in any other jurisdiction.
The material on this website should not be construed as any solicitation to buy, offer to sell, or submit an application for the purchase of any insurance product in any jurisdiction other than Bermuda. Meanwhile may initially make hypothetical illustrations available.
These should be construed as illustrative only and do not constitute a proposal to enter into an insurance contract or an undertaking to offer insurance coverage under any specific terms and conditions in any jurisdiction. Only personnel of Meanwhile are authorized to make representations regarding its insurance products. Any materials which have not been prepared by Meanwhile should not be considered as representations by Meanwhile.
Neither Meanwhile Insurance Bitcoin (Bermuda) Limited nor its affiliates Meanwhile Services (Bermuda) Limited and Meanwhile Incorporated, are lawyers or accountants. They do not provide legal or tax advice. You are wholly responsible for obtaining your own legal and tax advice.
