Does Life Insurance Typically Cover Accidental Overdose? 
Yes , life insurance does cover accidental overdose . If the policy was purchased less than two years prior to the overdose , the insurance company will investigate to see if it was truly accidental . And if the overdose was due to items not disclosed on the life insurance application such as illegal drug use , dementia , depression , or medication , the life insurance company may contest the policy . For policies over two years old and policies that offered full disclosure , accidental overdose is a covered event . 