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 clause.
The life insurance company will likely investigate to see if you failed to answer that
question accurately.
If the insurance company determines that you lied on the application for life insurance coverage they do not have to pay the claim, they will simply refund any premiums paid on the life insurance policy.
