Will Life Insurance Cover A Drug Overdose? 
If the insured overdosed in the first two years of the contract issue date , it may be investigated as a possible suicide or a non-disclosure issue where drug use was not disclosed . Non-disclosure of a prescription or illegal drug use after the two year contestability may be characterized as a form of fraud , which could place the death claim in jeopardy . If this was accidental drug overdose the odds are high that the issuing carrier would pay the death claim . Consult an attorney for further information on this scenario . 