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 the contestability period and no criminal activity was connected to the death, then the claim would more than likely be paid out to the beneficiary of the life insurance policy.

Also, if the overdose is determined to be accidental, and it did not involve illegal drugs, the death claim would likely be paid out.