Whether your life insurance covers overdoses depends on the situation. If you pass away within the policy’s contestability period, typically the first two years of policy activation, and you were not honest about your drug use, the insurance company may reduce or deny your beneficiary’s claim, depending on their investigation. If you pass away outside of the contestability period, your beneficiaries would likely receive the full death benefit. Typically, life insurance companies will pay your beneficiaries if you die from any accident, including an accidental drug overdose. If the drug overdose is determined to be death by suicide, then the payout would not occur if death occurs during the suicide contestability period. Speak with a licensed agent when shopping for providers to learn how the different insurers handle these situations.