Can Drug Use Void Life Insurance? 
Life insurance has a two year review period . During that time any company has the right to cancel a policy and issue a refund , if the insured lied in any material manner on the application , or commits suicide . After two years , the company is bound and unless the policy specifically excludes death by drugs , which almost never is the case , the company is obligated to pay , even for a suicide . If you have a drug problem , however , is n't it wise to try to deal with it quickly and protect your health and your family ? Gary Lane , Registered Representative and Agent , New York Life , 949 797 2424 . Thank you . 