Does Drug Use Void Life Insurance? 
Adding to Peggy 's ... if you do have a history of drug use but are `` cleaning '' up , you may qualify for what we refer to as a graded benefit life insurance . This type of policy for the first 2 years only returns premium paid or gives a percentage of the death benefit if death occurs within first 2 years . The 3rd year pays the entire applied for death benefit . Or you can consider an accident only policy until such time your history is cleaned up . 