Get My BTC Life Quote
Specialty BTC Coverage

Multiply Your Bitcoin Legacy

Whole life insurance denominated entirely in Bitcoin. Pay premiums in BTC over 10 years, receive a guaranteed BTC death benefit — up to 2.58x your total premium for younger applicants.

4.8/5 from 1,240+ reviews
Get My BTC Life Quote

Apply in under 10 minutes. Ages 18-65.

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Free Quotes

Coverage Options

10 Pay Whole Life

The flagship Meanwhile product. Premiums for 10 years, coverage for life.

From 0.1 BTC/yr

BTC Cash Value

Policy builds cash value in BTC over time, accessible via loan or partial withdrawal.

Borrow up to 90%

Bermuda-Regulated

Backed by a Class E insurance license from the Bermuda Monetary Authority.

BMA-licensed

Estate Planning

Pass BTC to beneficiaries through a legally binding life insurance contract.

Probate-light

Why Act Now

2.58x death benefit ratio at age 18 (male) on 1 BTC paid
1.45x death benefit ratio at age 45 (female)
10 yrs total premium payment period
18-65 eligible age range at application

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ProviderStarting Rate
Meanwhile0.1 BTC/yr

How It Works

  • BTC-Denominated Death Benefit Beneficiaries receive a guaranteed payout in Bitcoin — never converted, never marked-to-market in fiat.
  • 10-Year Payment Period Pay premiums over just 10 years. After that, the policy stays in force for life with no further premiums due.
  • Generational BTC Transfer Move Bitcoin to your heirs efficiently through a regulated life insurance contract — outside the volatility of self-custody handoffs.
  • Cash Value Loans in BTC Borrow against accumulated cash value without selling the underlying Bitcoin or triggering a taxable event.
Get My BTC Life Quote
1

Tell Us What You Need

Answer a few quick questions about your coverage needs. Takes less than 2 minutes.

2

Compare Top Quotes

We match you with A-rated carriers and show you side-by-side comparisons.

3

Choose & Save

Pick the plan that fits your budget. Most customers save 20-40% vs. their current policy.

What to Look For

What Good Carriers Offer
  • A.M. Best "A" rating or higher
  • Transparent pricing with no hidden fees
  • Fast claims processing (under 48 hours)
  • 24/7 customer support
Red Flags to Avoid
  • No financial strength rating listed
  • Unusually low quotes with exclusions buried in fine print
  • Pressure tactics or "limited time" pricing
  • Poor BBB rating or excessive complaints

What Our Customers Say

“I locked in 2.0x death benefit at 30. My family receives roughly twice what I will pay in over the next decade — denominated in the asset I actually want them to inherit.”
Marcus L. Software engineer, BTC holder since 2017
“I had been holding cold storage for years and wrestling with how to pass it on without my heirs scrambling to learn self-custody. Meanwhile lets me leave it as a regulated insurance benefit.”
Diana T. Estate-planning client, age 52
“Bermuda regulator was the deciding factor for me. This is not a fintech experiment — it is a licensed life insurance policy with a guaranteed death benefit ratio.”
Anders K. Long-term BTC investor

What Is Bitcoin Life Insurance?

Bitcoin life insurance is a regulated whole life insurance policy denominated in Bitcoin instead of dollars. Your premiums are paid in BTC, your cash value accumulates in BTC, and your beneficiaries receive a death benefit paid out in BTC.

The product was launched by Meanwhile in 2023 — the first life insurer to hold a regulator-issued license specifically for BTC-denominated policies. The license comes from the Bermuda Monetary Authority (BMA), which has been one of the first jurisdictions to write rules for digital-asset insurers. Meanwhile holds policy reserves in Bitcoin, not in fiat-pegged collateral.

How Much Does Bitcoin Life Insurance Cost?

Premiums are quoted in BTC, not dollars. The most popular product is 10 Pay Whole Life — you pay for 10 years, then never again. A typical applicant in their 30s pays about 0.1 BTC per year for a death benefit roughly 2.0-2.3x total premium.

Three factors drive the death benefit ratio:

  • Age at purchase. Age 18 male: 2.58x. Age 45 male: 1.36x. Age 65: 1.04x. The earlier you buy, the bigger the multiple.
  • Gender. Female applicants get slightly higher ratios at most ages because of longer life expectancy.
  • Underwriting health class. Standard health pricing applies. Significant medical issues raise the premium without raising the benefit.

Because everything is BTC-denominated, the dollar cost of premium fluctuates with the spot price. The death benefit ratio does not.

Bitcoin Life vs. Traditional Whole Life

The structural mechanics are familiar to anyone who has bought traditional whole life — premiums, cash value, death benefit, beneficiary designation. Two things are different:

  • Currency of denomination. Premiums and benefit are in BTC. If BTC appreciates, both your future premiums and your death benefit grow in dollar terms — but the BTC ratio is locked at issue.
  • Estate-transfer use case. Bitcoin life insurance is most often used by long-term BTC holders who want to pass coins to heirs without forcing the heirs to manage self-custody. The beneficiary receives BTC from a regulated insurer rather than navigating a hardware wallet handoff.

How to Buy Bitcoin Life Insurance Online

Application is fully digital. The Meanwhile flow takes most applicants under 10 minutes:

  1. Health questions. Standard underwriting questionnaire — no in-person paramedical for most applicants.
  2. BTC funding. First premium is paid in BTC from a wallet you control. Meanwhile holds policy reserves in Bitcoin.
  3. Beneficiary designation. Name beneficiaries the same way you would on a traditional life policy. They receive BTC at claim time, paid to a wallet they control.
  4. Annual premium schedule. Pay annually for 10 years. After that, the policy stays in force with no further premiums.

Click below to start a quote — it takes a few minutes and does not affect your credit.

Frequently Asked Questions

What is Bitcoin life insurance?

Whole life insurance where premiums, cash value, and death benefit are all denominated in Bitcoin. Meanwhile is the first regulated insurer to offer the product. Your beneficiaries receive a guaranteed payout in BTC, not converted to dollars.

How does the 10 Pay Whole Life plan work?

You pay premiums for 10 years in BTC. After year 10, no further premiums are due, and the policy remains active for life. The death benefit is locked in as a multiple of your total premium and is guaranteed regardless of future BTC price movements.

What death benefit ratio can I expect?

Ratios depend on age and gender at purchase. An 18-year-old male paying 1 BTC total over 10 years receives a 2.58 BTC death benefit. A 45-year-old female receives 1.45 BTC. The younger you buy, the higher your multiple.

Is Meanwhile regulated?

Yes. Meanwhile holds a Class E long-term insurance license from the Bermuda Monetary Authority. Reserves are held in Bitcoin, and the policy itself is a legally binding insurance contract — not a derivative or unregistered security.

Can I access the cash value before death?

Yes. Like a traditional whole life policy, your Meanwhile policy accumulates cash value in BTC. You can borrow against it or take partial withdrawals — both reduce the eventual death benefit if not repaid.

What ages are eligible?

Applicants between 18 and 65. Younger applicants get higher death benefit multiples because the policy compounds over a longer expected horizon.

Ready to Save on Bitcoin Life Insurance?

Whole life insurance denominated entirely in Bitcoin. Pay premiums in BTC over 10 years, receive a guaranteed BTC death benefit — up to 2.58x your total premium for younger applicants.

Get My BTC Life Quote
Licensed Agents
A+ Rated
Secure & Private
No Spam

Simply Insurance refers Bitcoin life insurance applications to Meanwhile, a Bermuda-licensed life insurer (Class E). Death benefit illustrations are based on Meanwhile's published rate tables and are subject to underwriting. We may receive compensation from Meanwhile when you bind a policy.