Does Life Insurance Payout For Drug Overdose? 
If the drug overdose was due to suicidal intentions within the first two years of the life insurance policy , the policy would not pay out . After two years , it would most likely pay the death benefit even if the reason for the drug overdose was to commit suicide . An exception would be if the insured person had a drug problem that was not admitted where requested on the life insurance application , and if death occurred within two years of the policy going into effect . Again , after two years , the policy would most likely pay even if the drug use/abuse was not admitted on the application . 