Does Life Insurance Cover Drug Overdose? 
Video Transcript : Today 's question is , Does life insurance cover drug overdose ? Remember , during the contestability of a contract during the first two years , if somebody actually overdosed on drugs and that can be quantified as suicide , most carriers will not pay the death claim . If this is an accidental drug overdose , whether by prescription or whether by street drugs , then if it 's just a normal death claim , it should pay the claim . But keep in mind , this is going to be highly investigated during the first two years . So if death occurs and drug overdose is involved , you 're going to go through an investigation process to determine under their due diligence process whether this was suicide or not . So just keep in mind when you 're looking at a question like this you 're saying , When did it occur and under what circumstances did it occur ? 