Bitcoin Life Insurance

Big Idea:

What if life insurance was designed for Bitcoiners, by Bitcoiners?

Traditional life insurance often requires liquidating your best-performing assets to cover premiums, which can erode long-term wealth. Bitcoin-powered life insurance offers a modern alternative by enabling you to secure lifelong protection without selling a single satoshi. Instead, you retain ownership of your Bitcoin, with the added flexibility to borrow against it when needed.

Because the mechanics of traditional and Bitcoin-backed life insurance differ, we’ve simplified the comparison. This model compares a standard $1 million traditional policy, using industry benchmark premiums for a non-smoker, with a Bitcoin-backed policy that charges an annual premium of 0.10 BTC.

Note: Most Bitcoin life insurance policies collect premiums for the first 10 years only

In This Model:

• Set your age & sex
• Set estimated inflation rate
• Set estimated Bitcoin CAGR (0-100)

What We’ll Compare:

• Total Premiums Paid (Tradfi & Bitcoin)
• Surrender Value After Inflation (Tradfi & Bitcoin)
• Death Benefit After Inflation (Tradfi & Bitcoin)
• Differences after 20 Years
• Table Summary