How Much Should Universal Life Insurance Cost? 
If you are asking what the annual cost would be , then the answer would be whatever necessary to keep the policy in force . In some years that could be $ 0 . Flexibility is the key to universal life and while the company will give you a target premium , you can invest as much or as little as you like in a given year . If you are really asking about cost that is determined when you die . If the policy is still in force , it probably cost very little . If it has lapsed , it cost you a great deal . 