Yes, I believe an accidental overdose is just that, an accidental death, and would be covered under your life insurance policy as a covered cause of death.

I would however expect a full investigation to rule out suicide as a cause of death if the life insurance policy is less than two years In Force.

If your life insurance coverage has been in place for more than two years, whether your death is accidental or intentional, the claim should be paid in a timely manner to your ben...

A life insurance policy may or may not cover death resulting from an overdose.

The first two years of a life insurance policy, which begins on the date of issue is called the Contestability Period.

If the overdose occurred during that 2 year timeframe, it may be investigated as a suicide.

If death by suicide is confirmed, no death benefits would be paid out, unless it occurred in a state with a 1 year suicide exclusion; such as, Colorado.

If death of the insured occurs after t...

Yes, life insurance may pay out a death claim on an insured who died from an accidental overdose.

However, if the overdose is an illegal drug and you die within the first two years of being insured by your life insurance policy, there may be a problem. 

Every Life insurance application has a question regarding illegal drug use. 

If you answer "No" to that question, and then you die of an illegal drug overdose within the first two years of being insured, there is a contestable ...