FiLife Guru Response from Michael Kitces: There is generally no limit on the number of life insurance policies you can have (although a large volume just becomes difficult to manage!). However, there ARE some limits on the maximum AMOUNT of total coverage that you can have. There is no concrete amount for this - it varies depending on the person and the situation - but the basic idea is that the insurance company is willing to insure for the financial impact of your death, but not just to create an unreasonable windfall. For instance, a primary wage earner for a family might reasonably get $1M, $2M, or even $3M of coverage, but certainly getting $20 million of coverage would probably be unreasonable/unnecessary unless the family was incredibly affluent already. It is up to the insurance company to evaluate your insurance capacity or the total amount of coverage to put forward on your life.

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