If I don't qualify for the life insurance coverage that I want can I have several life insurance policies to total the amount I want?
Yes, you do have to qualify for the amount of life insurance you want, it isn't based on how much you can afford to pay.
And, yes you can own more than one life insurance policy.
However, when you apply for life insurance there is a question on the application that asks you about the other life insurance policies you own, and how much coverage you already have. This is to make sure you aren't over-insured, and that there isn't a risk of you buying life insurance to wait two years and then commit suicide, which would be covered after the suicide clause expires.
Usually, a life insurance company will allow you to buy up to 10 to 20 times your annual income in life insurance.
This means if you make $100,000 per year, you may be able to qualify for as much as $2,000,000 of total life insurance coverage among all your life insurance policies.