Does Life Insurance Cover Accidental Overdose? 
Life insurance will pay for accidental overdose . If death occurs during the contestable part of the policy -LRB- the first two years -RRB- , the life insurance company will review the application , underwriting , and medical records to make sure that a drug problem was not hidden at the time the deceased person applied for life insurance . If it is found that the Insured person did not admit substance abuse or diagnosed mental instability when applying for insurance , the policy claim could be denied . However , if lying or omission did not occur , the benefit should be paid . 