What Is The Average Premium For Universal Life Insurance? 
Universal Life Insurance that is guaranteed not to lapse at a level premium to age 100 + is one of the least expensive ways to get permanent life insurance coverage . That being said , the premiums for any type of life insurance vary greatly depending on the age and health of the applicant , and the same is true for Universal Life Insurance . With UL , you also have the option to purchase coverage that does not have a lifetime guarantee , which can reduce the premium substantially . Or you can get Indexed Universal Life or Variable Universal Life , which can increase the premium but offer the chance of a return on your money . The best way to determine the average for someone your age and with your health and tobacco details , is to contact an agency that can shop many different life insurance companies that carry Universal Life . They can help you find the type of policy that suits your needs , while getting you the best premium for your particular risk profile . 