Know who is accountable.
Named insurers, their regulators and a permitted route for Hong Kong clients. We will provide licence details and identify the authorised intermediaries involved before any application.
DIGITAL WEALTH. HUMAN LEGACY.
Keep the future
in the family.
We're developing one Bitcoin plan for life insurance, protection for eligible holdings and the people who come next.
For families, family offices & their advisers in Hong Kong.
YOUR FORESIGHT. THEIR FUTURE.THE FUTURE, PASSED ON.
THE NEXT PART OF OWNERSHIP
What you've built.
Who comes next.
Bitcoin can be part of a lifetime's wealth. Looking after it means considering both the assets you hold and the people who depend on you.
Our ambition is to become a specialist digital-asset insurer. We are starting with one coordinated plan: life insurance, protection for eligible Bitcoin holdings and a clear route for family inheritance.
THE HEIRVIA BITCOIN PLAN
Protect what you hold.
Provide for those
you love.
Bitcoin life insurance and protection for eligible wallet holdings, designed together. One plan to consider your wealth during your lifetime and your family's future.
The plan is in development. Insurers, eligible wallets and policy terms are not yet confirmed. No insurance or quotation is currently offered.
Discuss the Bitcoin planWHAT WE ARE DEVELOPING
For your holdings.
For your family.
- Life insurance
- A benefit in BTC for your chosen beneficiaries following the insured person's death. Any policy value, surrender rights and loan terms would be specified in the life policy.
- Asset protection
- Defined theft cover for Bitcoin you continue to hold in an accepted wallet or custody account. Insured assets, events, limits and excess would be agreed in the asset policy.
- Family inheritance
- A coordinated route for policy claims and the transfer of other holdings, with the appropriate insurance, custody and legal professionals.
Know what sits where.
BTC paid as a life premium funds your contractual policy benefits. The issuing insurer is responsible for managing the assets behind those promises and meeting its obligations.
Wallet protection is intended for Bitcoin you keep separately in an eligible arrangement. The plan would show the life premium and insured holdings separately, with the costs and responsibilities for each.
One coordinated plan may involve separate policies and insurers. Each part must have confirmed cover and terms before it can be offered.
OUR STANDARD BEFORE LAUNCH
Confidence needs
something behind it.
Before asking you to commit, we need to show who stands behind the plan, how assets are safeguarded and how its promises are supported.
Questions about safetyUnderstand how assets are held.
Identified custody providers, asset ownership and segregation, key controls, and the terms of any custody insurance. A loss involving an insurer's assets does not by itself erase its policy obligations.
Look beyond a promise.
We will assess the insurer's history, capital, reserves and audited reporting, including its capacity to meet obligations through severe theft and custody incidents. Insurance limits, investment risk and the availability of funds must be understood together.
These are requirements for the plan we are developing, not claims of existing authorisation or protection. Heirvia is not currently a licensed insurer or intermediary. Regulatory supervision is not a guarantee of payment.
Care with larger commitments.
Formal applications would require appropriate identity, ownership and source-of-wealth and funds checks by the responsible providers. Documents would be requested through their approved channels, before any premium payment. Initial enquiries need no financial records.
A plan beyond one person.
Before launch, the plan must identify the service team, a replacement contact if an adviser changes, and direct routes to the insurers for policy service, claims and complaints. Your policy should not depend on one person's availability.
PART OF THE PLAN / FAMILY INHERITANCE
A clear path.
For those who follow.
The life benefit and your family's other holdings need a clear handover. Our plan is intended to connect claims, ownership and access arrangements, so the people who follow know whom to contact and what happens next.
Discuss your family's prioritiesQUESTIONS 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.
Family comes first.
Start with the people and the purpose. The technology should support the arrangement.
One considered plan.
Bring life cover, eligible holdings and inheritance together, with each responsibility clearly defined.
Room for what comes next.
Bitcoin is our starting point. Our long-term ambition extends to other eligible digital assets as suitable cover becomes 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
- BTC life insurance, defined asset theft cover, underwriting and distribution within each firm's remit.
- Legal & trust advisers
- Ownership, authority and estate arrangements across jurisdictions.
- Custody & technology firms
- Eligible custody arrangements, security controls and incident evidence.
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.
Who is responsible for BTC paid as a life premium?
The issuing insurer is responsible for managing the assets supporting the life policy and meeting its contractual obligations. Theft or investment losses involving its own assets do not, by themselves, cancel those obligations. Wallet cover for your other holdings is an additional protection, not a substitute for the insurer's responsibilities. Its financial strength and ability to pay remain important.
How would my remaining Bitcoin be protected?
We are developing theft protection for specified Bitcoin holdings in accepted wallets or custody arrangements. The policy would identify the insured assets, covered events, limits, excess and claims process. Lost keys, phishing, authorised transfers and protocol failures would need explicit terms; none should be assumed to be covered. Eligible arrangements and cover are not yet confirmed.
Would everything be in one policy?
The aim is one Heirvia plan and one service contact. Life insurance and asset protection cover different events and may be issued under separate policies by different insurers. Before applying, you would see who is responsible for each part, what it costs, when it takes effect and how to claim. Neither part would depend on an undisclosed promise from the other.
Can I withdraw Bitcoin paid as a premium?
A life premium pays for contractual insurance benefits. It is not a wallet deposit that remains available to spend. Any surrender value, withdrawal rights or BTC loan facility must be set out in the life policy. Early surrender can return less than the premium paid. Bitcoin retained under wallet protection remains subject to its own custody and access arrangements.
Who would regulate the plan?
That depends on the insurers and the final structure. Hong Kong's Insurance Authority supervises authorised insurers and licensed intermediaries within its remit; an overseas insurer may be supervised elsewhere. Before any offering, we will name the insurers and explain the route available to Hong Kong clients. Heirvia does not currently hold an insurance licence. Regulation and any premium levy do not amount to a government guarantee of payment.
You can check providers in the Hong Kong IA register and, for Bermuda insurers, the BMA register. These are independent verification resources, not endorsements of Heirvia.
Would wallet protection last as long as life cover?
Not necessarily. Life insurance may be long term, while asset protection may require annual renewal. Any proposal must show the term, renewal conditions and start date for each part. The availability or continuation of one part should never be taken as proof that the other is in force.
What would be needed for a larger policy?
The responsible insurer and intermediary would determine identity and beneficial-ownership checks, underwriting and the evidence needed for the source of your wealth and this premium's funds. For Bitcoin, that may include purchase or exchange records, wallet ownership and transaction history, with further checks according to risk. Do not email these documents in an initial enquiry. Any future application must use the providers' approved channels and payment instructions; Heirvia does not currently accept premiums or deposits.
Does the plan protect Bitcoin's value in dollars?
A BTC-denominated life benefit is stated in Bitcoin; its value in dollars or other currencies changes with the market. Asset theft cover would address specified loss events, not price declines or trading losses. Any guaranteed policy values must be stated in the issued contract. No investment return is currently promised by Heirvia.
Can I apply for the plan today?
Not yet. We are developing the Heirvia Bitcoin Plan and assessing insurance, custody and distribution arrangements. This website welcomes enquiries and professional discussions; it does not offer insurance, quotations or a place to deposit Bitcoin. We will publish confirmed providers, eligibility, costs and terms before applications open.
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.
ONE PLAN / START WITH A CONVERSATION
Your wealth.
Your people.
Your priorities.
For your family, your clients or the work we could build together.
- 01
Tell us what matters.
Share your priorities for Bitcoin protection and your family. A brief email is enough; no wallet connection is needed.
- 02
Explore the plan with us.
Discuss your enquiry and the plan's development. No funds or documents are required, and no insurance advice or quotation is provided at this stage.
- 03
Agree a clear next step.
Where appropriate, we can seek an introduction to qualified providers with your consent. Any future proposal must explain the life premium, insured holdings, costs, responsible insurers and claims arrangements.