Does Life Insurance Pay For Accidental Overdose? 
does life insurance payout for accidental overdose ? After two years -LRB- one year in some states -RRB- without question `` YES '' . Prior to that , during the contestability period , an insurance carrier has the right to research the insureds drug history to see if compares to what has been stated on the application . If their is a history of drug abuse and overdosing in the prior history of the insured , the claim will be contested . If there is no history , no recorded history , the claim will most likely be paid . 