Meanwhile Life Reduces Bitcoin Policy Minimum to 0.25 BTC Amid Surging Demand

HAMILTON, Bermuda & SAN FRANCISCO – Meanwhile, the world's first fully Bitcoin-denominated life insurance provider, has announced a significant reduction in the minimum policy requirement for its flagship Ten-Pay Whole Life product, lowering it from 1.0 BTC to 0.25 BTC. This strategic adjustment, effective immediately for new U.S. and Canadian applicants, aims to enhance accessibility to Bitcoin-denominated life insurance amidst the cryptocurrency's substantial appreciation and growing institutional demand. The move aligns the product's entry point with current market realities, reflecting Bitcoin's surge from approximately $30,000 at Meanwhile's 2023 launch to over $100,000 today.

Zac Townsend, CEO of Meanwhile, stated that the update is driven by "overwhelming client and adviser demand for BTC-denominated protection," the "unprecedented stability and strength" of their platform, and the "clear signal of growing institutional demand for Bitcoin." He added that adjusting the entry point to 0.25 BTC ensures products remain aligned with Bitcoin's market value while maintaining conservative guarantees and underwriting discipline. The company's long-term vision is to insure one billion Bitcoin holders worldwide, making this reduction a crucial step towards that goal.

Under the updated terms, policyholders can purchase coverage with equal annual installments totaling 0.25 BTC, paid over 10 years (0.025 BTC per year). All premiums, policy values, policy loans, and death benefits for the Ten-Pay Whole Life product remain denominated and settled entirely in Bitcoin, offering a unique solution for long-term Bitcoin holders. This approach allows for wealth preservation, liquidity through policy loans, and potential tax advantages within a regulated structure.

Meanwhile Inc., the parent company of Meanwhile Insurance Bitcoin (Bermuda) Limited, is regulated by the Bermuda Monetary Authority as a Class ILT insurer. Co-founded by fintech entrepreneurs Zac Townsend and Max Gasner, with support from investors including Sam Altman, the company has rapidly established itself in the nascent Bitcoin insurance sector. In June 2025, Meanwhile made history by releasing the first-ever audited financial statements fully denominated in Bitcoin, reporting 220.4 BTC in total assets and a net income of 25.29 BTC for the year ended December 31, 2024, marking a 300% year-on-year increase.