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Does it make sense to have more than one life insurance policy?

But for some, two or more make sense. Your needs should drive the number and type of policies you buy.
Many older Americans wonder whether they need life insurance in retirement. As with many things in the world of personal finance, the answer depends on the facts and circumstances.

You can own multiple policies from different companies. But when you apply, insurers will ask about current coverage to make sure the amount you want is reasonable, says Brian Ashe, executive vice president of Life Happens, an educational nonprofit supported by insurers.
You can buy a lot without raising eyebrows. Insurers typically will ask for justification if the total coverage would exceed 20 to 30 times your income, he says.


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