Nancy now lives in Bellevue and her question is, “Does a drug overdose break a life insurance policy.

Bellevue shares its northern border with Omaha, its southern edge with Offutt Air Force Base and on east by the Missouri River. Bellevue is an interesting mix of the old and the new. The people in Bellevue are gracious and warm. Today Bellevue’s growth is primarily due to an expanding economy in the civilian sector. A new building boom is in progress for commercial, industrial and residential construction..

Nancy, an accidental overdose of prescription drugs is in most cases covered. If it was an intentional overdose, most policies have an exclusionary period, typically 2 years I believe, during which death by suicide is not covered. There are also exclusions for “participation in illegal activities”, so if it was an overdose (accidental or intentional) of “recreational” drugs, Maybe not.

Please read the policy carefully, especially the fine print.