Does Life Insurance Pay In The Event Of An Overdose? 
If your death was caused by an overdose of illegal drugs it will definitely pay the death claim if the policy was over 2-years old . If the policy was less than 2-years old , it will be contestible and the insurance company will determine if the overdose was accidental or considered sucide . If it was sucide , they will not pay the claim on a policy that was in force less than 24-months . 