Will Life Insurance Cover A Drug Overdose? 
If during the first two years of a life insurance policy , the life insurance company will check to see if the overdose was due to suicide . They will also check to see if there was a drug problem that was not noted on the application . If past drug history was lied about or omitted , the policy will not pay the claim within the first two years of the policy . If the application was filled out honestly : 1 -RRB- If the drug overdose was accidental , the policy will pay , even within the first two years . 2 -RRB- If the drug overdose was suicide after two years , the policy will pay . 3 -RRB- If the drug overdose was due to a drug habit picked up after getting the policy , the policy will pay . 4 -RRB- If the drug overdose was due to mental illness contracted after getting the policy , the policy will pay . There may be some caveats in some policies , but the above is how life insurance generally works . If you disclosed everything and your life changes later , the policy pays with the exception of suicide in the first two years . 