How Much Is Universal Life Insurance? 
Universal life insurance is a complex contract . There is no simple answer to your question . Your best bet is to speak with a qualified agent who can walk you through the pros and cons of the policy options . The premium costs will depend upon your age , whether you smoke , and your health . You also need to choose between option A and option B , which impact the death benefit amount over time . There are also a number of riders that could be added to your policy that may impact total premiums . 