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 ...