BTC Whole Life Insurance

Build wealth in Bitcoin while protecting your family. Your premiums, death benefits, and policy values are all in Bitcoin, combining life insurance benefits with Bitcoin's long-term growth potential in one simple policy.
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Why Bitcoin Whole Life?

green shield with check

Death benefit

BTC-denominated protection from day one

The policy payout is guaranteed in Bitcoin while the policy remains active.

Your beneficiaries receive a guaranteed Bitcoin payout upon your death, regardless of when it occurs. Protection begins with your first premium payment, so the core promise is not waiting on a market cycle.

piggy bank

Policy value

Bitcoin growth inside an insurance contract

Policy values are managed under insurance rules rather than a retail exchange account.

The Bitcoin value in your policy can grow without annual capital gains or income-tax drag while funds remain in the policy. That gives long-term holders a regulated way to preserve upside.

money bag

Liquidity

Borrow against BTC without forced selling

After two years, policy loans can reach up to 90% of policy Bitcoin value.

Access Bitcoin liquidity without fixed repayment schedules or margin-call mechanics. The loan is made against the policy, preserving the long-term death benefit structure.

Connecting the Dots Between Yesterday and Tomorrow...

Life insurance and Bitcoin don't often go hand in hand. One is rooted in tradition and the other is reshaping the future of finance. Meanwhile connects the dots, combining the security of life insurance with Bitcoin's potential to create a new frontier of wealth preservation and growth.

How it works

1

Fund your policy in Bitcoin

Make 10 premium payments in BTC annually for 10 years. After that, your policy is fully funded and no more payments are needed.

2

We grow your cash value

We invest your premiums conservatively, under the rules of our regulator, growing your Bitcoin over time.

3

Access liquidity without selling

Tap into your Bitcoin's value without giving it up by taking out a low interest-rate loan. These loans come without the usual approval process, have no fixed repayment schedule, and are free from margin call risk given they are Bitcoin loans against Bitcoin collateral.

4

Secure your Bitcoin legacy

When the insured passes away, we'll ensure their legacy is passed on with a direct, frictionless transfer of your Bitcoin wealth.

Why Meanwhile?

Meanwhile is not a Bitcoin wrapper around a generic financial product. It is a regulated life insurer built to hold, report, and pay policy obligations in Bitcoin.

Regulated carrier

BMA licensed

Meanwhile Insurance Bitcoin (Bermuda) Limited operates as a long-term insurer under the Bermuda Monetary Authority.

Public financials

Audited in BTC

The company publishes externally audited statutory financial statements prepared in Bitcoin.

Institutional backing

$144M raised

Investors include leaders in insurance, Bitcoin, and AI.

Learn more about us
Seascape

Catch us on leading podcasts

Nov 2025

Jason breaks down Meanwhile's vision for Bitcoin protection

Brandon Gentile
Brandon GentileListen or watch:
Apr 2024

Anthony Pompliano interviews our CEO, Zac Townsend

Anthony Pompliano
Anthony PomplianoListen or watch:
Sep 2025

Jason on what problems Bitcoin-denominated Life Insurance solves

Green Candle
Green CandleListen or watch:
Jan 2025

Catch us on Natalie Brunell's Coin Stories podcast

Natalie Brunell
Natalie BrunellListen or watch:
Nov 2025

Jason on BTC Life Insurance at the Blockchain Futurist Conference

Blockchain Futurist Conference
Blockchain Futurist ConferenceWatch:
Sep 2025

Building Meanwhile, the first Bitcoin Life Insurance company

Stocktwits
StocktwitsWatch:
Feb 2025

Zac sits down with Mark Moss to discuss Meanwhile

Market Disruptors
Market DisruptorsListen or watch:
Jul 2025

They created a Bitcoin-only Life Insurance company

BetterWealth
BetterWealthListen or watch:
May 2025

Listen to our podcast with Stephan Livera

Stephan Livera
Stephan LiveraListen or watch:
Aug 2025

The Wolf of All Streets Podcast

The Wolf of All Streets
The Wolf of All StreetsWatch:
Aug 2024

Zac joined Robert Breedlove on "What is Money?" to discuss Bitcoin as a store of value and the role of life insurance in modern economies

The 'WiM' Show
The 'WiM' ShowListen or watch:

Frequently asked questions

44 Montgomery Street, Suite 1480
San Francisco, CA 94104

Magnolia Towers, 2nd Floor, No. 15 Parliament Street
Hamilton HM 12, Bermuda

© 2026 Meanwhile All Rights Reserved

Carrier status

Meanwhile Insurance Bitcoin (Bermuda) Limited ("Meanwhile") is a life insurance carrier licensed and regulated by the Bermuda Monetary Authority.

Bermuda jurisdiction

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.

No solicitation

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.

Illustrations and representations

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.

Legal and tax advice

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.