Does Life Insurance Cover Drug Overdose? 
Life insurance will cover death by drug overdose . During the first two years of the policy , the life insurance company will not pay the death benefit if suicide occurred , or if death was due to something that was omitted or lied about on the application . Most life insurance applications do ask if you have had drug treatment , or crime related to drug usage , at least in the past few years . But if you were honest on the application , and after the first two years , the policy would most likely pay for drug overdose in any circumstance . 