The maximum amount of life insurance you can get will depend on your personal finances. Underwriters look at your personal income, your household income (what you and your spouse or partner make together), and your net worth in determining how much life insurance you can get. If you are young to middle age, you can usually get approx 20 times your annual income in life insurance coverage, and more if your assets or investments are high. Persons of older ages qualify for approx 10 times their annual income, but this is highly variable depending on their other resources, as well.
On the converse, if you have many liabilities, have had a recent bankruptcy, have a terrible credit score, or have liens out against you, the amount of life insurance you can get could be reduced or even postponed until legal obligations have been satisfied or worked out in an agreement.
The Maximum Amount of Life Insurance on any one insured is based on the potential policy owners ability to financially justify the total amount applied for based on their total financial liabilities, future financially obligations and their lifetime human earning value potential. Most life insurance company's jumbo limits are 65 million.
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On the converse, if you have many liabilities, have had a recent bankruptcy, have a terrible credit score, or have liens out against you, the amount of life insurance you can get could be reduced or even postponed until legal obligations have been satisfied or worked out in an agreement.