Will Life Insurance Pay If Drugs In System?

American insurers want to know if you use drugs today or have used drugs in the past throughout the underwriting process. When you apply for an insurance, you’ll be required to supply details on your drug use. Even if you used illegal drugs in the past, you must be truthful.

If you don’t tell an insurance company that you’ve used prescription or illicit drugs when they ask, your policy may be voided, or the insurer may be able to reduce the death benefit paid out if something happens to you.

Past Drug Use

If you admit to previous drug use, it doesn’t mean you’ll always pay more or won’t be approved for coverage.

Insurers look at the kind of drugs you consume as well as how long ago you stopped taking them. Insurers are usually more concerned with current or recent drug usage, so if you haven’t used illegal substances in a long time, you’re likely to be offered an insurance at rates equal to those offered to someone who has never used them.

Current Drug Use

On the other hand, your current drug use will have a significantly greater impact on your ability to obtain life insurance. When it comes to deciding if you’re a drug user, insurers don’t just accept your word for it.

When you’re looking for insurance, you’ll probably be asked to take a drug test as part of the medical checkup. You’ll almost always be asked to take a blood test or supply a urine sample via a urine test. A hair drug test will be performed in exceptional circumstances.

These tests are also done to see whether you have any medical problems. It’s possible that you’ll need to run repeated tests to eliminate false positives. As bizarre as it may sound, ingesting poppy seeds can sometimes result in a false positive on an opiates drug test.

The Drug Test

If you refuse to take a drug test, your application may be denied. If you test positive for drugs, your insurance company may refuse to cover you or charge you significantly more.

Even if you are using drugs that are legal in your area, this is true. In reality, not only do test results indicating marijuana use generally result in higher premiums, but nicotine and alcohol usage may also result in higher premiums or coverage denial.

Even prescription prescriptions can cause complications, especially if they have a significant risk of addiction or if the medications you’re taking signal you have serious health concerns that make insuring you more difficult.

A prescription medicine that appears on a urine test, for example, could suggest that you have a major problem with high blood pressure. You may not get the best rates or be ineligible for a life insurance policy if this is discovered during the application procedure and the insurance medical test.

While almost all life insurance companies would automatically deny you if you test positive for illegal narcotics, regulations vary when it comes to previous drug usage or scenarios involving marijuana or nicotine users. Some insurance companies are more likely to refuse coverage or charge high charges. However, while selecting how to process your life insurance application, they all take into account the frequency with which you use drugs and the type of substance you consume.

Can life insurance Be Denied for drug use?

If life insurance companies can prove that the drug overdose was intentional (suicide), or that the insured took illegal substances or abused prescription pharmaceuticals, they can deny coverage.

What reasons will life insurance not pay?

If you lie about any risky activities, medical illnesses, travel plans, or your family’s health history on your insurance application, the insurance company may refuse to pay out the death benefit. The best approach to avoid surprises later is to be as honest and comprehensive as possible during the underwriting process.

Risky hobbies

Depending on the conditions of your policy, your insurer may refuse to pay the death benefit if you die while participating in a dangerous activity you routinely enjoy (such as flying a private plane, bungee jumping, or scuba diving).

If your pastime is dangerous enough, your insurer may include an exclusion to your policy that prevents payment if you die while participating in that dangerous activity. This exclusion will be disclosed to you before you sign the policy (there are no hidden exclusions). Amateur pilots, for example, may require an aviation exclusion rider in order to be covered by life insurance. Their beneficiaries will not receive the death benefit if they die in a plane crash.


Because of the slayer rule, if your beneficiary murders you, they will not receive the death benefit. The slayer rule prohibits the payment of a death benefit to someone who has murdered — or is directly linked to the murder — the insured. In this case, the insurance company will instead pay your prospective beneficiaries or your estate the death benefit.

Deaths that happen when you’re doing something illegal are usually not covered by insurance. Most policies will not cover death that occurs while performing a crime, for example.


Suicide is usually covered by life insurance, with one exception: life insurance contracts have a suicide clause that prevents payouts for suicide deaths in the first two years of coverage.

Suicide clauses are in place at insurance firms so that applicants cannot commit suicide shortly after their life insurance policy expires.

Dishonesty & Fraud

Lying is never a smart idea, and this rule applies even more so when applying for life insurance. If you’re a smoker—and that includes vaping—always let people know right away. Past diseases, high-risk activities or employment, prior DUIs, a history of mental illness, and so on are all factors to consider.

Sure. It’s possible that disclosing these details will raise your monthly premiums, but that’s far preferable than your death benefit being rejected to your family when they need it most. You would call lying to an insurance company about your drug background or passion of SCUBA diving a white lie, but an insurance company would label it fraud. It’s simply not worth it to save a few dollars a year.

Your Term Expires

Term life insurance is by far the most common type of life insurance on the market, therefore chances are you have one. A term life benefit, unlike whole or permanent life insurance, is only guaranteed for a specific amount of time, or term, set when the insurance was first issued. You’ll have to reapply and be authorized for a new policy after the term expires.

We understand that life gets hectic, but it’s critical to know when your term is about to expire. Even if the term had finished the day before and tragedy struck, the insurance company is under no duty to pay a death benefit to your family.

Lapsed Premium Payment

Though it should come as no surprise, you may be refused a payment if you do not pay your monthly premiums. There are often grace periods, but you should never assume that this is the case. It’s tempting to dismiss this payment as a non-essential, but think how much worse your family’s financial condition would grow if you died—and then learned your death benefit was denied?

Act of War or Death in a Restricted Country

When a policyholder dies while fighting in a war, death payments are frequently denied. Going to war is, without a doubt, a perilous proposition. Similarly, if you die while traveling abroad, particularly to places considered risky, your insurance policy may be void.

Check your individual policy to see how these limitations may or may not apply to your circumstance.

Suicide (Prior to two year mark)

Many insurance policies include a clause known as a suicide clause. The suicide clause was enacted to deter people from purchasing a life insurance policy with the goal of killing themselves so that their family may get a settlement. Beneficiaries of policyholders who commit suicide within the first two years of purchasing an insurance will not be paid.

If the dead neglected to reveal a known history of depression or mental illness while applying for life insurance, a death benefit may be denied owing to suicide.

High-Risk or Illegal Activities

Your beneficiaries may not be eligible for a death benefit if the policyholder died as a result of engaging in a high-risk lifestyle or activity such as skydiving, bungee jumping, rock climbing, and so on. If you tell your insurer about your interest for these activities when you apply, you’ll still be covered—you’ll just have to pay a little more to account for the increased risk.

However, this isn’t just for adrenaline addicts. This can also include things like an overdose from a drug that wasn’t prescribed by a doctor, death while doing something unlawful, death while driving drunk, and so on. Basically, any behavior in which you deliberately put yourself in danger could result in your family being denied a compensation.

Death Within Contestability Period

If you die within two years after purchasing an insurance policy, the insurance company may contest your eligibility. This gives the provider time to review the policy and ensure that no false statements were made throughout the application process. It’s possible that the policy will be revoked if they discover any misrepresentations, even if they aren’t related to the cause of death.

Though this rarely results in the denial of a death benefit, it’s still more reason to be completely honest on your application. Don’t think you’re out of the woods after two years. A death benefit can still be denied if flagrant fraud is discovered.

What happens if you fail a drug test for life insurance?

This is why, even if it makes you uncomfortable, it’s critical to answer all inquiries from the insurer and testing business honestly. Otherwise, you risk being turned down for coverage. If you take antidepressants or other prescriptions, for example, it’s best to tell your insurance as soon as possible because it will find out. Insurers also have a two-year window from the moment you obtain coverage to terminate your insurance if they discover you provided inaccurate or misleading information.

Drugs and nicotine

If a blood or urine test reveals that you use illegal drugs like amphetamines or opiates, you will be denied life insurance coverage. The single exception to this rule is marijuana, which is assessed differently by each insurer. If you use marijuana on a regular basis, you should speak with an independent insurance advisor about which firms to apply with. MetLife, for example, offers preferential prices even if you smoke several times a week, whereas

Does life insurance only cover accidental death?

  • Life insurance gives financial security to your loved ones in the event of your death, but plans may not always pay out.
  • Life insurance policies, in general, cover deaths caused by natural causes and accidents.
  • If you lie on your application, your insurer may refuse to pay your beneficiaries if you pass away.
  • Suicide is covered by life insurance policies, but only if a specified length of time has passed after the policy was purchased.
  • Depending on the conditions of your insurance, your insurer may or may not pay benefits if you die while engaged in a dangerous pastime.
  • The “Slayer Rule” bans your beneficiary from receiving a death benefit if they murder you or are involved in your murder.

Will life insurance pay for suicidal death?

Suicidal death is normally covered by life insurance policies provided the policy was obtained at least two to three years before the insured died. There are a few exceptions since the suicide clause and contestability provision in a life insurance policy expire after this time period. However, if you omitted to disclose information at the time you purchased the insurance, such as risky habits or a diagnosis of depression, your beneficiary’s claim may still be refused.

The Policy has an Alcohol Intoxication Exclusion

Life insurance companies are allowed to add an exclusion to policies in almost half of all states in the United States, allowing them to exclude deaths directly or indirectly attributable to alcohol usage from coverage. Under this exclusion, if the insured is intoxicated and dies for whatever cause, the insurance company will deny your claim.

Misrepresentation on the Initial Application and Medical Questionnaire

If the insured fails to mention alcohol usage or fails to reveal past or current alcoholism, and the insured’s death was in any way related to alcohol use, the insurer will most certainly deny your life insurance claim for death benefits based on the insured’s alleged misrepresentation.

We can often settle these claims for the death benefit minus the amount the insured would have paid in premiums if the underwriter had known the insured drank.

The Insured Died During the Contestability Period

If the insured dies within two years of the policy’s purchase, the insurer will look for any excuse to refuse your life insurance claim, even if that reason has nothing to do with the cause of death.

If the insured fails to mention that they used alcohol socially and later dies of a disease unrelated to alcohol usage, such as mesothelioma, the insurer may claim that the insured misrepresented himself and refuse your life insurance claim.

We are typically successful in obtaining payment for these claims, especially where the death was not caused by alcohol use or misuse.

The Insured Died While Doing Something Illegal

Under the illegal act exclusion, the insurer will deny your life insurance claim if the insured died while doing anything illegal, such as drinking and driving. If the insured drank a few drinks at a friend’s dinner party, trespassed on a neighbor’s yard on the way home, and was killed by a falling branch, the insurer may deny your life insurance claim based on the few drinks.

Do you need an autopsy for life insurance?

  • All supporting documents and the death certificate When submitting a life insurance claim, proof of death is required. A certified copy of the death certificate, a police report, a toxicology report, an autopsy report, a coroner’s report, a medical examiner’s report, and, in some situations, medical records are all required documents.
  • This is the original policy. If you can locate the original life insurance policy, you can review the claim’s specifics (payment amount, beneficiary, contact information for the insurance provider, and so on) before filing it. Even if you don’t have the original policy, you can still file a claim.
  • Claim forms that have been completed. Claim forms are documentation that the insurance company sends to you. They will need extensive information on the insured person as well as your personal information. You can choose how you want to receive your life insurance payout on the claim form.

What is a typical life insurance payout?

The average payout time for life insurance is 30 to 60 days. The clock starts ticking when the claim is filed, not when the insured passes away.