Family comes first.
Start with the people and the purpose. The technology should support the arrangement.
DIGITAL WEALTH. HUMAN LEGACY.
Keep the future
in the family.
Heirvia is developing a digital-asset life insurance business, starting with Bitcoin and the needs of families in Hong Kong.
For families, family offices & their advisers.
YOUR FORESIGHT. THEIR FUTURE.THE FUTURE, PASSED ON.
THE NEXT PART OF OWNERSHIP
What you've built.
Who comes next.
Our ambition is to become a specialist digital-asset life insurer. Bitcoin is our starting point: helping long-term holders consider how to provide for the people who depend on them.
Today, we are assessing customer needs and potential insurance and distribution arrangements. Any future offering will clearly identify the issuing insurer, authorised intermediary, eligibility and full policy terms.
OUR FIRST FOCUS / BITCOIN LIFE INSURANCE
Held for years.
Planned for generations.
For families who see Bitcoin as part of their long-term wealth, life insurance can open a different conversation about provision and succession.
Heirvia is currently in development. We are not offering an insurance policy or quotation.
Discuss your prioritiesUNDERSTANDING BITCOIN LIFE INSURANCE
A policy for a life.
A benefit in Bitcoin.
- Denomination
- Premiums and benefits are specified in BTC, according to the policy.
- Death benefit
- A benefit for named beneficiaries following the insured person's death, subject to the contract.
- Policy value
- A whole-life policy may build cash value and permit policy loans. Surrender terms, interest and any reduction in benefits depend on the contract.
- Ownership
- Individual, trust or company ownership may be possible, subject to the insurer's requirements.
- Before a decision
- Review eligibility, underwriting, surrender values, costs and the insurer's financial strength.
Life insurance does not insure a wallet against theft or protect the fiat value of BTC. No policy, quotation or cover is offered through this website.
A LIFE BEYOND THE BALANCE
Some things are worth
carrying forward.
A considered path from what you've built to the people who come next.
DIGITAL ASSET INHERITANCE
A clear path.
For those who follow.
Life insurance can address part of a family's provision. Other digital assets may need separate ownership, legal and access arrangements, considered with the appropriate professionals.
Talk about inheritanceQUESTIONS WORTH CONSIDERING
- 01
What is held?
Wallets, exchange accounts and custody arrangements, alongside the legal owner and relevant jurisdictions.
- 02
Who can act?
The roles of family members, executors, trustees and advisers, and the documents that establish their authority.
- 03
How can access continue?
Provider procedures and recovery arrangements to discuss with custody and legal specialists.
- 04
When should a plan be reviewed?
Changes in holdings, relationships or circumstances that may call for professional review.
THE HEIRVIA APPROACH
A modern asset.
A considered approach.
Clarity at every step.
Understand who provides a service, who is responsible and which terms apply.
Room for what comes next.
Bitcoin is our first insurance focus. Our inheritance vision extends to other digital assets as suitable services become available.
FOR FAMILY OFFICES & PROFESSIONAL FIRMS
A shared view.
A stronger conversation.
Your clients may already hold digital assets. We welcome discussions with firms that understand their insurance, ownership and succession needs.
Discuss a partnershipWHERE WE SEE COMMON GROUND
- Family offices
- Client priorities, family context and long-term continuity.
- Insurers & licensed intermediaries
- Product development, underwriting, distribution and policy services, within each firm's remit.
- Legal & trust advisers
- Ownership, authority and estate arrangements across jurisdictions.
- Custody & technology firms
- Institutional processes and practical access arrangements.
Partnership discussions are exploratory. Appointed providers and their roles will be identified before any service is offered.
FOR INSURANCE & ACTUARIAL PROFESSIONALS
Help shape
what comes next.
We welcome conversations with experienced life insurance leaders, actuaries and Bermuda insurance professionals interested in the development of a digital-asset life insurer.
Discuss your expertiseA FEW IMPORTANT DISTINCTIONS
Before we
begin.
Can I buy insurance from Heirvia today?
Heirvia is developing a digital-asset life insurance business, with Bitcoin as its first focus. We are assessing potential insurance and distribution arrangements. This website welcomes enquiries; it does not offer a policy or quotation. Any future proposal will identify the issuing insurer, authorised intermediary, eligibility and full policy terms.
Is Bitcoin life insurance the same as wallet protection?
No. Life insurance pays a benefit following the insured person's death, subject to the contract. Wallet theft, custody failures and protocol losses are separate risks requiring separately defined cover.
Does a BTC benefit protect its value in dollars?
A benefit denominated in BTC is a promise in BTC under the policy, rather than a promise about its future value in dollars or any other currency. Both the asset's price and the insurer's ability to meet its obligations matter.
Will Heirvia focus only on Bitcoin?
Bitcoin is our initial insurance focus. The broader aim is to help families plan for eligible digital assets across their wealth. An asset's inclusion in an inheritance discussion does not mean that insurance is available for it.
Do I need to connect a wallet to enquire?
No. A first conversation starts with your priorities. Do not send private keys, recovery phrases, identity documents or medical records in an initial enquiry.
START WITH WHAT MATTERS
A conversation
about your future.
For your family, your clients or the work we could build together.
- 01
Tell us your priorities.
Choose a topic and send a brief enquiry. No wallet connection is needed.
- 02
Have an initial conversation.
We will clarify your enquiry and the current scope of our work. This is not an insurance recommendation or quotation.
- 03
Agree the next step.
We will agree a relevant follow-up. For insurance enquiries, an introduction to a suitable authorised provider may be made with your consent. Eligibility and underwriting remain with the provider.