If your death was caused by an overdose of illegal drugs it will definitely pay the death claim if the policy was over 2-years old.
If the policy was less than 2-years old, it will be contestible and the insurance company will determine if the overdose was accidental or considered sucide. If it was sucide, they will not pay the claim on a policy that was in force less than 24-months.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Depending on the state you live in the contestability portion of a life policy may be one to two years. After this period of time, unless otherwise stated within the policy exceptions, a policy will pay the benefit to the persons named as beneficiaires within the policy. Prior to the stated contestability period end, an overdose would be investigated for intentional or accidental. If found to be intentional within that contestability period, premiums paid would usually be refunded, but no claim paid.
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If the policy was less than 2-years old, it will be contestible and the insurance company will determine if the overdose was accidental or considered sucide. If it was sucide, they will not pay the claim on a policy that was in force less than 24-months.