Will insurance company pay if death was accidental but caused by illegal drugs and alcohol?

Answer 1

If the life insurance policy was in force beyond the contestability stage, it will pay. This includes suicide by accidentally ingesting over the counter RX and alchohol. All you need to do is call the insurance companies claims department to start the process. We can assist you if need be. 4lifeguild ***The key word here is accidental. Yes, it would pay. Def. Suidicide 1. killing yourself: the act of deliberately killing yourself http://encarta.msn.com/dictionary_/suicide.html What if death were swerving to avoid hitting an animal?

Answer 2

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.

Answer 3

If they were legal prescribed medications then they normally will after an investigation. If they were narcotics, then no.

I agree with the first contributor, as a rule policy documents supplied at the outset of the policy, and sometimes before the policy commences state in clear terms that drug abuse is an exclusion.

Answer 4

If , it's life insurance then NO. Than you have accidentally overdose (not intend-it). Then a autopsy should be preformed. But if its health insurance , Then YES they will pay the hospital bill.

Answer 5

A drug overdose does not break a life insurance policy.

Answer 6

It depends on the company and policy but often times there is an exclusion for engaging in "illegal acts", suicide, etc...

Answer 7

As long as it was inforce longer than 2 years. That's when the suicide clause runs out. Was there drug abuse prior? Was it admitted on the application? Fraud?