Meanwhile Lowers Minimum Bitcoin Life Insurance Policy to 0.25 BTC
Meanwhile Inc., the first fully Bitcoin-denominated life insurance provider, has updated its Ten-Pay Whole Life policy by lowering the minimum purchase requirement from 1.0 BTC to 0.25 BTC. This adjustment reflects Bitcoin's significant market appreciation, which has surged from around $30,000 at the company's launch in 2023 to over $100,000 in 2025, alongside increasing institutional adoption of Bitcoin. The update aligns the insurance offering with the current realities of the cryptocurrency market while maintaining the company's underwriting standards and policy features.
The new minimum premium allows U.S. and Canadian applicants to pay in equal annual installments totaling 0.25 BTC over ten years, making the product more accessible to a broader range of Bitcoin holders. Meanwhile continues to operate under stringent regulatory oversight by the Bermuda Monetary Authority as a Class ILT insurer, ensuring compliance with established life insurance frameworks adapted for Bitcoin denomination.
Meanwhile's long-term goal is to provide life insurance coverage to 1 billion Bitcoin holders worldwide. The company offers whole life insurance policies that preserve and transfer wealth, provide liquidity through policy loans, and deliver potential tax advantages. All premiums, policy values, and death benefits are denominated and settled in Bitcoin, positioning Meanwhile uniquely in the crossover space between traditional insurance and digital asset markets.
This strategic product adjustment underscores the growing market demand among sophisticated Bitcoin investors for insurance products tailored to cryptocurrency assets. Meanwhile's approach reflects steady platform performance and a robust balance sheet amid increasing institutional participation in Bitcoin. The company continues to emphasize conservative guarantees and disciplined underwriting consistent with industry standards.
For insurance professionals, Meanwhile's evolving product suite highlights emerging opportunities and challenges in integrating cryptocurrency into life insurance offerings. The firm’s regulatory compliance and product stability provide a framework for others exploring digital asset denominated insurance products. As Bitcoin matures as a mainstream asset, insurers serving this niche market will need to adapt product designs and entry points to remain competitive and compliant.
Meanwhile's update is effective immediately and applies to new U.S. and Canadian applicants. The product modification retains all existing policy benefits and servicing standards, ensuring continuity for current and prospective policyholders. This move signals a significant step in evolving insurance products to meet the financial needs of cryptocurrency investors within a regulated insurance environment.