No. If you have two policies from the same company, the agent made more commission than would otherwise on a single policy.
There are however very good reasons to have more than one policy. Policy for the family and another for a business.
The second policy's insurance value can be added to the first by using a rider at the attained age of the insured. The new resulting policy (first policy) mimics the effect of two separate policies.
If they are both term life insurance policies, your total coverage would be $30,000. If one, or both are permanent life insurance policies, there may be cash value inside the policies that adds to the payout from the life insurance policies, so there may actually be more than $30,000, if you include the cash value inside the policies.
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