Will life insurance cover a drug overdose?

Curtis Dickens asked a question: Will life insurance cover a drug overdose?
Asked By: Curtis Dickens
Date created: Tue, Apr 13, 2021 2:02 PM

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FAQ

Those who are looking for an answer to the question «Will life insurance cover a drug overdose?» often ask the following questions:

❔ Does life insurance cover drug overdose?

Life insurance companies can deny coverage in the case of a drug overdose, but they'll need to prove that the overdose was deliberate to refuse the death benefit payout.

❔ Does life insurance cover accidental drug overdose?

Whether the insured died from an accidental overdose of prescribed drugs or an overdose of illegal drugs may also matter. Unfortunately, alcohol or drug use are among the most common reasons life insurance claims are denied. If you are a beneficiary whose claim was denied due to death by alcohol or drugs, call us.

❔ Will life insurance pay for drug overdose?

Life insurance companies can deny coverage in the case of a drug overdose, but they'll need to prove that the overdose was deliberate to refuse the death benefit payout.

9 other answers

Life insurance policies often cover deaths caused by a drug overdose, but it will depend on how the overdose occurred and the policy's exclusions. Individual insurance plans often include more exclusions than group life insurance. One crucial element of an individual insurance policy is the contestability clause.

Drug use is considered risky behavior, and an insurance provider may or may not issue a death benefit for a drug overdose. When can an Insurance Company Deny a Drug Overdose? If the drug overdose was deemed intentional, a life insurance provider can deny the claim and refuse to payout the death benefit. This is especially true if the life insurance policy was just taken out and the insured died as a result of a drug overdose shortly after the policy was issued.

Will insurance companies pay a life insurance claim for a death caused by drug overdose? It may, depending upon the circumstances of the death. If the insured died of a drug overdose within the contestability period, the life insurance company will almost certainly deny your claim for death benefits. Even if the insured died with drugs in their system after the contestability period, the life insurance company may deny your claim.

3) If the drug overdose was due to a drug habit picked up after getting the policy, the policy will pay. 4) If the drug overdose was due to mental illness contracted after getting the policy, the policy will pay. There may be some caveats in some policies, but the above is how life insurance generally works.

There are some cases wherein drug overdose is covered by life insurance, but not always. There are factors that insurance companies look into to determine if the insurance company will pay the death benefit for a drug overdose. The first factor is the type of drug that the insured had overdosed on.

If someone dies from a drug overdose, are the proceeds from a life insurance policy canceled? The answer depends on several things including how the drug overdose happened and the type of life insurance coverage. Why did the Drug Overdose happen? If the overdose was not accidental, then a suicide clause may apply.

However, if the insured overdosed on a drug that was prescribed to him or her, his or her life insurance could still pay out. Also, if the insured abused drugs or alcohol but did not die of that abuse but something else, the drugs were incidental to the death, and the policy could still pay out.

Life insurance companies can deny coverage if they can prove that the drug overdose was deliberate (suicide) or the insured used illegal drugs or abused prescription medications.

Does a drug overdose break a life insurance policy? • The terms and exclusions of the policy should clear this out. Generally, if the overdose is accidental, the company may cover it. However, if there was intent as in intentionally doing it to commit suicide then it may be excluded during the two year waiting period.

Your Answer

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Does an illegal drug overdose cancel a life insurance policy?

Generally no. Was the person a drug user when the policy was taken out? Was it admitted on the application? No. The only exception would be if the policy was in the first two years and the person lied about drug use when the policy was obtained. If it is beyond two years, or the person did not lie at the time, and the premiums have been paid, the policy is in effect.

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