Does Drug Use Void Life Insurance? 
Outside of the application process , no in most cases , unless other wise specified within the policy . If a person passes from drug related issues after purchasing a policy , the company will pay ... Unless , there is a recorded history of drug use prior to the application and the applicant does not disclose this during the underwriting process . After two years this may be a moot point as the contestability clause would prevent the insurance company from refusing to pay . However , not all states have adopted this clause . The clause could be shorter or depending on the state , not applicable at all in cases of insurance fraud . 