Does Life Insurance Pay For Accidental Overdose? 
Yes , if however the overdose is an illegal drug and you die within the first two years , there may be a problem . Every Life app has a question regarding illegal drug use . If you answer no to that question and die of an illegal drug overdose within two years , there is a contestable clause . The insurance company will likely investigate to see if you failed to answer that question accurately . If they determine that you lied on the application they do not have to pay the claim , they will simply refund any premiums paid . 