Does Life Insurance Cover Overdose Death? 
If it is due to an accidental overdose reaction to a prescription drug the policy would pay . If it is due to an overdose of an illegal drug the company would investigate the history of drug use and if it was found you lied on an application they would probably refuse the claim . Usually the claim would be refused since it would be hard to prove that the deceased was not taking illegal drugs prior to issue of the policy . After two years the policy would pay regardless as has been stated . 