Does Life Insurance Cover Overdose Death?

  1. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    It's going to depend "when". Most life insurance policies include a two year contestability clause that allows an insurance carrier to contest payment on a claim if it occurs within that two year window. After two years any cause of death is covered without queston, so even an overdose, accidental or intentional would be covered.
    Answered on April 21, 2013
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  2. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    If it is due to an accidental overdose reaction to a prescription drug the policy would pay.  If it is due to an overdose of an illegal drug the company would investigate the history of drug use and if it was found you lied on an application they would probably refuse the claim.  Usually the claim would be refused since it would be hard to prove that the deceased was not taking illegal drugs prior to issue of the policy.  After two years the policy would pay regardless as has been stated.
     
    Answered on April 22, 2013
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  3. 5877 POINTS
    Stan Cox II
    Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii
    I'm sure Michael Jackson's insurance covered his death by overdose. And I'm sure if Elvis Presley had life insurance his death by overdose was covered. So the answer is: as long as the overdose that resulted in death occurred after two years of implementing the policy, yes it should be covered. If the overdose occurred within two years of implementing the policy it may have to be proved that it was not intentional suicide.
    Answered on August 9, 2015
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