My guest today is Zac Townsend, co-founder and CEO of Meanwhile. Insurance is a product nearly everyone touches, but few understand, and even fewer try to reinvent. Meanwhile is doing just that, building a fully licensed life insurance carrier that holds its reserves in Bitcoin. In this conversation, we talk about what makes insurance structurally hard to change, how Bitcoin opens up new design space, and why innovation here demands control over product, capital, and regulation all at once. Please enjoy this conversation with Zac Townsend.

For the full show notes, transcript, and links to the best content to learn more, check out the episode page HERE.

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Show Notes

(00:00:00) Welcome to Making Markets

(00:01:20) Understanding Term Life Insurance

(00:03:22) Exploring Whole Life Insurance

(00:05:00) The Principal-Agent Problem in Insurance

(00:07:59) Investment Strategies and Tax Implications

(00:13:46) Challenges in the Insurance Industry

(00:17:59) Founding an Insurance Startup

(00:25:22) Bitcoin and Life Insurance

(00:42:14) Future of Bitcoin and Insurance

(00:44:50) Final Thoughts

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