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?

Instant Protection

Your beneficiaries receive a guaranteed Bitcoin payout upon your death, regardless of when it occurs. This protection begins immediately with your first premium payment, ensuring your family's financial security is locked in from day one, with no uncertainty or waiting periods.

Tax-Free Growth

The Bitcoin value in your policy grows completely tax-free, allowing wealth accumulation without capital gains or income taxes while funds remain in the policy. This uninterrupted growth maximizes your investment potential over time, compounding without government interference.

Smart Liquidity

After two years, borrow up to 90% of your policy's Bitcoin value tax-free, with no fixed repayment schedule and no margin call risk. The borrowed Bitcoin adopts a new cost basis, allowing you to sell immediately without triggering capital gains taxes.

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

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.

We grow your cash value

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

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.

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?

We combine traditional finance with cutting-edge technology to help you build and protect your wealth. In the volatile world of finance, trust matters. That's why we've built multiple layers of protection with an independent board, experienced investment committee, and strong safeguards to keep your money secure. We're regulated by the Bermuda Monetary Authority and follow the same strict rules as other insurance companies. Our experienced founders and industry-leading backers give you added confidence in our platform.

Learn more about us

Watch us on leading podcasts

Jason breaks down Meanwhile's vision for Bitcoin protection

Anthony Pompliano interviews our CEO, Zac Townsend

Jason on what problems Bitcoin-denominated Life Insurance solves

Watch us on Natalie Brunell's Coin Stories podcast

Jason on BTC Life Insurance at the Blockchain Futurist Conference

Building Meanwhile, the first Bitcoin Life Insurance company

Zac sits down with Mark Moss to discuss Meanwhile

They created a Bitcoin-only Life Insurance company

Listen to our podcast with Stephan Livera

The Wolf of All Streets Podcast

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

Frequently asked questions

Life Insurance

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About us Careers Financials

44 Montgomery Street, Suite 1480
San Francisco, CA 94104

Magnolia Towers, 2nd Floor, No. 15 Parliament 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.