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Meanwhile

Bitcoin Only
Inheritance Solution, Life Insurance(BTC Based)
Established Est. 2021
Bermuda
Inheritance Score: 75/100
Bitcoin-denominated life insurance company based in Bermuda. Policies are priced, paid, and settled in bitcoin. Death benefit is paid in BTC to beneficiaries, providing both inheritance planning and life insurance in one product.

Core Features

Multisig Support Yes
Timelocks Not supported
Guardian Services Not available
Bitcoin Only Yes

Fees & Pricing

Fee StructureCustom: BTC-denominated life insurance policies with premiums paid in BTC; pricing based on individual policy details, age, coverage amount, and other factors (quotes available upon application).

Security

Anchorage Digital qualified custody (OCC-chartered federal bank). Multi-signature custodial setup. Segregated cold storage for policy reserves. Multi-party computation (MPC) key management. $350M+ in insurance coverage on custodied assets. SOC 2 Type II compliant.

Process

Deceased Verification

Standard insurance claims process: death certificate plus policy documentation submitted by named beneficiary. Meanwhile claims team verifies with reinsurance partner. Typical processing: 30-60 days.

Distribution Methods

Death benefit paid directly in Bitcoin to beneficiary wallet address specified in policy or updated via policyholder portal. Can designate multiple beneficiaries with percentage splits.

Legal & Compliance

Licensed by Bermuda Monetary Authority (BMA). Regulated insurance product with statutory reserves. Policies are legal contracts enforceable under Bermuda insurance law. Compliant with international insurance standards.

Customer Support

Email and video call support. Dedicated policy advisor for high-value policies. Application process fully online with medical underwriting.

Leadership

ZT
Zac Townsend
CEO & Co-founder

Frequently Asked Questions About Meanwhile

Meanwhile offers Inheritance Solution, Life Insurance(BTC Based) services with multisig wallet support. Bitcoin-denominated life insurance company based in Bermuda. Policies are priced, paid, and settled in bitcoin. Death benefit is paid in BTC to beneficiaries, providing both inheritance planning and life insurance in one product.

Meanwhile's pricing: Custom: BTC-denominated life insurance policies with premiums paid in BTC; pricing based on individual policy details, age, coverage amount, and other factors (quotes available upon application).. Confirm current pricing directly with Meanwhile as fees may vary based on your estate size and service tier.

Yes, Meanwhile supports multisig (multi-signature) arrangements, which require multiple private keys to authorize a transaction. This ensures your Bitcoin cannot be moved without your participation during your lifetime, while still allowing heirs to recover funds after your death.

Meanwhile does not currently list timelock support. They may use alternative mechanisms such as legal instructions or guardian coordination to facilitate inheritance. Contact them for details.

Yes, Meanwhile is a Bitcoin-only service, meaning they focus exclusively on Bitcoin inheritance and do not handle other cryptocurrencies. This specialisation often means deeper expertise in Bitcoin-native estate planning techniques.

About this analysis

21Rates Editorial TeamBitcoin Financial Research Analysts

Our research team analyses Bitcoin inheritance providers using security scoring, legal compliance research, and user reviews. We independently verify service terms and maintain up-to-date information to help you plan your estate with confidence.

Last verified: August 2026

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