Life assurance · On-chain since 2026
Term and whole life coverage written in US dollars — or in BTC, ETH, TON, ZEC, and USDC. Fixed premiums from mortality-based actuarial pricing, payment on the rails you already use, and an on-chain policy record your heirs can verify.
Coverage written
Policies active
Bitcoin oracle
Indicative rates · connecting to the oracle
II · The Vow
Coverage and premiums are fixed in the asset itself — plus plain US dollars, if you prefer.
US Dollar
USD · ACH / Card
Bitcoin
BTC · Bitcoin
Ether
ETH · Ethereum
Toncoin
TON · TON
Zcash
ZEC · Zcash (transparent)
USD Coin
USDC · Ethereum / Base
III · The Vault
The inscription.
01
Quote in sixty seconds
Age, health class, coverage amount, denomination. Our actuarial engine prices your policy on the spot — a fixed premium in the currency you choose, term or whole life.
Ankh life assurance
Certificate of Assurance
Face value
$500,000
Quotation Nº Q-2026-0042 · Valid 30 days
IV · The Proof
If your wealth lives in bitcoin, why is your life insurance in dollars?
Traditional policies force long-term holders into a quiet conversion: decades of premiums and a final benefit, all fixed in a currency they deliberately chose not to hold. A denominated policy keeps the promise in the asset — and solves problems that only exist for people who hold their own keys.
No forced conversion
A one-bitcoin policy pays one bitcoin. Your beneficiaries are never handed a dollar figure fixed years ago and made to watch the asset run without them. Coverage keeps pace with the thing you actually hold.
Estate planning for keys
Self-custody has a hard edge: if your keys die with you, so does the estate. A denominated policy is a backstop — your heirs receive the coverage amount even if the cold wallet is never found.
Borderless by design
Premiums travel over open networks and payouts settle to a wallet address. No correspondent banks, no wire cutoffs, no asking a branch office for permission to receive what you are owed.
The Ankh protocol
A policy registry that outlives any company — including ours.
The Ankh DApp mirrors policies to an on-chain registry: premium receipts, beneficiary records, and a claim lifecycle enforced by contract. Death verification runs on a dead-man’s-switch heartbeat and an attestor quorum, with disputes backed by staked ANKH — the capital token that underwrites the system. Connect a wallet and inspect it yourself.
Registry · 0x0000…c0DE · Base (testnet pending)
Straight answers
Insurance runs on trust, and trust runs on candor. If a question isn’t answered here, it belongs here.
Is Ankh a licensed insurer?
No — and we won't pretend otherwise. Ankh is a technology demonstration of how crypto-denominated life insurance can work end to end: pricing, payment rails, and on-chain claims. In production, policies would be issued and reserved by a licensed carrier partner in a supervising jurisdiction, with Ankh providing the denomination, rails, and registry layer. Nothing on this site is an offer of insurance.
My premium is fixed in BTC. What happens when the price moves?
Nothing — that is the point. Both your premium and your death benefit are denominated in bitcoin, so the policy is internally consistent no matter what the dollar exchange rate does. The USD value of your coverage floats with the asset, exactly like the rest of your holdings.
Why does a BTC-denominated policy cost more per unit of coverage?
Reserves backing a bitcoin policy must be held in bitcoin, and hard assets earn very little native yield. We discount future claims at roughly 1% for BTC, TON, and ZEC versus 4% for dollars — so the present cost of a future claim is higher, and the premium honestly reflects that. It is the same mathematics used by existing BTC-denominated carriers.
How does a claim actually get paid?
Two paths that end in the same place. Off-chain: beneficiaries file with a death certificate, the claim is verified, and the payout is released. On-chain: a missed heartbeat opens a claim window, independent attestors verify the death and sign, a quorum plus a capital-backed dispute window finalizes it, and the registry releases the payout. The on-chain flow mirrors the claims process; it does not replace legal verification.
Do my beneficiaries need a crypto wallet?
No. You may attach a payout address to any beneficiary, and crypto-denominated benefits will settle there directly. Beneficiaries without a wallet claim through a standard identity-verified process and choose how to receive the benefit.
What if I stop paying premiums?
The same thing that happens with any term policy: a grace period, then lapse. Term coverage has no cash value, so there is nothing to forfeit beyond the coverage itself — and nothing hidden in the fine print. You can requote and reapply at your then-current age.
V · The Line
Life, continued.
See your number.
No account, no phone call, no salesperson. An instant, actuarially honest quote in the denomination of your choice.