Will Life Insurance Pay For A Drug Overdose

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Will Life Insurance Pay For A Drug Overdose?

Life insurance typically covers drug overdoses unless the policy specifically excludes deaths from substance use or abuse; however, if the death occurs within the first two years, the policy’s contestability clause may allow the insurer to investigate and potentially deny the claim.

You can contact your insurance representative or check the exclusions section of your policy. Generally, it is found after the main coverage section of your insurance policy. 

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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