The Insurance Agent really has no authority to make that decesion. They can guide and suggest for you. The decesion is made by the company underwriters. If you want more than is suggested - it would be advisable to provide justification for the higher amount with your application. for more info see www.SteveShorr.com/life.htm
There isn't a limit to how many policies one person may have. I have seen people have more than 10 policies. There are limits however on how much life insurance you can get. The limit is not as much in the number of policies as the total amount of coverage. Most maximum amounts are based on income replacement.
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