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Introduce your clients to the ideal way to gain exposure to, hold, grow and pass on Bitcoin.
Introduce your clients to the ideal way to gain exposure to, hold, grow and pass on Bitcoin.
Our investors
Meanwhile
Our Bermuda insurer
Audited figures as of 31 December 2025.Read our financials →
The benefits
Premiums grow at a locked-in rate.
Borrow Bitcoin against your policy.
Full coverage with your first premium payment.
At policy pay out, we handle everything.
BTC Life
A single premium buys a guaranteed whole life death benefit, paid in Bitcoin.
Sample: man, age 45, non-smoker, one premium of 10 BTC. All values are guaranteed and shown in BTC.
Guaranteed death benefit, at any age
15.80 BTC
Age 45
Pay 10 BTC
One premium. Cover starts immediately.
Year one
Loans unlock
Borrow up to 90% of policy value, at 3% a year in BTC¹.
Year 5
Value passes the premium
10.2 BTC of policy value.
Age 70
12.3 BTC
Policy value keeps growing, guaranteed.
¹ The 90% limit applies on each policy anniversary and is based on the policy’s surrender value. Between anniversaries, it is slightly lower, to allow for interest due by the next anniversary.
Why Meanwhile
Licensed by the Bermuda Monetary Authority as a Class IILT insurer, with audited financials in BTC.
A 350% capital cushion, and zero losses since we started in 2023.
Bitcoin reserves back Bitcoin promises, held with Anchorage Digital and Coinbase.
Premiums sit in a dedicated long-term fund, and policy claims are paid first.
Partner support
BTC Life is new to most clients. We give partners the training and tools to explain it well.
Live sessions on the product, the client case and the process.
An illustration for each prospective client, to make the first conversation concrete.
A documented submission and compliance process, from enquiry to policy.
Due diligence pack, onboarding checklist, FAQs and client materials.
Eligibility
Clear rules up front, so you know which clients to bring.
Meanwhile does not provide tax or legal advice. Tax treatment depends on each client’s circumstances and jurisdiction.
² As defined in Bermuda’s Investment Funds Act 2006, as amended.
Available to clients who meet the Bermuda definition of a Sophisticated Person², through appropriately licensed intermediaries.
Not available in all jurisdictions. We confirm eligibility for each client before an application.
Policies can be owned by individuals, trusts or companies. The insured is a single life between the ages of 18 and 65.
Clients should take their own tax advice. We explain how policies are reported, including under CRS.
We predominantly invest in tax-driven and fully-secured, BTC native investments, earning a 2% guaranteed rate. Our investments are reviewed by our senior management and approved by our Board, and policy values are guaranteed in Bitcoin.
Policyholder Bitcoin is held with regulated institutional custodians, including Anchorage Digital and Coinbase, segregated from the custodians' own assets. Premiums sit in a dedicated long-term fund. In a liquidation, policy claims are paid before other creditors.
BTC Life is available to clients who meet the Bermuda definition of a Sophisticated Person, through appropriately licensed intermediaries. Policies can be owned by individuals, trusts or companies. The insured is a single life between the ages of 18 and 65. It is not available in all jurisdictions, and we confirm eligibility for each client before an application.
Policies are reported under the Common Reporting Standard (CRS) where it applies, using the USD equivalent value of the policy account value. Tax treatment depends on each client's circumstances and jurisdiction. Meanwhile does not provide tax or legal advice, so clients should take their own tax advice.
From the first policy anniversary, the owner can borrow up to 90% of the policy's surrender value, in Bitcoin. There are no margin calls and no repayment schedule. Loans accrue interest at 3% a year in BTC, and any outstanding balance is deducted from the death benefit at claim. Loans are owed in Bitcoin: if a client converts a loan to cash and Bitcoin rises, repaying it costs more in cash terms.
Costs are built into the policy values shown in each illustration. In the sample (man, age 45, non-smoker, 10 BTC premium), the surrender value starts at 8.5 BTC and passes the premium in year 5. Free withdrawals are only available with the optional overfunding rider, which currently credits 1.00% a year, with a guaranteed minimum of 0.05%.
The client's wallet is verified before funding. The client then pays the single premium in Bitcoin, which is held with our institutional custodians. Policy documents are issued once underwriting is complete, and the death benefit is paid in Bitcoin to beneficiaries.
150 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.
