Read this first: you probably cannot buy this from California. Meanwhile states that applications are received and reviewed only at its offices in Bermuda, that all offers and sales are made only in Bermuda, and that it does not conduct insurance business in any other jurisdiction. It is listed here because of what it is, not because it is easy for a Southern California reader to obtain — treat it as a demonstration that the thing can exist, and take your own legal and tax advice before going further.
Meanwhile is the only licensed, government-regulated life insurer denominated and operating entirely in bitcoin. It is licensed by the Bermuda Monetary Authority, which granted it the first licence of its kind in August 2024. Premiums are paid in bitcoin, the policy grows at a guaranteed rate measured in bitcoin rather than dollars, policy loans are drawn in bitcoin against up to ninety percent of surrender value, and the death benefit pays out in bitcoin. Reserves are held in the same asset as the obligations, so there is no currency mismatch between what the company owes and what it holds.
That last point is the reason this belongs in a sound-money directory rather than a list of companies that accept crypto. Most financial products described as bitcoin-friendly are fiat products with a bitcoin payment rail bolted on, or fiat products holding a bitcoin-linked index. This one is denominated in bitcoin end to end. It is also bitcoin-only — there is no basket of other tokens alongside it, which is the distinction this directory uses to separate a monetary position from payments marketing.
Policyholder bitcoin is held with institutional custodians, Anchorage Digital and Coinbase, both regulated by the Office of the Comptroller of the Currency, with policyholder coins segregated. The company reported net income in 2024 and 2025.
Nothing here is insurance, legal, or tax advice, and The Real Yield is not an advisor. Life insurance is a long-dated contract whose value depends on the solvency of the carrier and on your own circumstances. Read the policy and take professional advice.
Allies are screened on sound-money criteria only — cash price, no billing office, no insurance dependency. We do not evaluate clinical quality, and a listing is not a medical recommendation.