Home Life insurance Life insurance questions Would an accidental death policy pay for a cocaine overdose? Would an accidental death policy pay for a cocaine overdose? Written by Barbara Marquand | Updated on: July 1, 2016 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. No, typically an accidental death policy would exclude death caused by intoxication or illegal drug use. Other exclusions usually include loss caused by the commission of a felony by the insured, active duty or training in the military or suicide. Accidental death and dismemberment (AD&D) policies pay out a benefit if you die from an accident or lose a limb or eyesight. Some also provide benefits for paralysis or coma. Policies specify that to receive benefits, the injury or death must occur within a certain time frame after the accident, and your death must be a direct result of the injuries sustained in the accident. The policy would not pay out if death resulted from a physical or mental illness. AD&D coverage is sold through standalone policies, which can be purchased individually or through a group. Coverage may also be offered as a rider on life insurance policies. Many employers offer AD&D insurance for their employees because it provides coverage to supplement life and disability insurance at a relatively small price. Accidents account for only about 5 percent of deaths, which is why the premiums for AD&D are low. AD&D insurance should be considered a supplemental policy, not a replacement for life insurance, which provides protection whether you die from an accident or illness. For more, see the basics of accidental death and dismemberment insurance. × Get Free Life Insurance Quotes Today! Zip Code Please enter valid zip Age Age 16 – 20 21 – 24 25 – 34 35 – 44 45 – 54 55 – 64 65+ Coverage Amount Coverage Amount $50,000 – $100,000 $100,000 – $200,000 $200,000 – $300,000 $400,000 – $500,000 $500,000 – $1,000,000 $1,000,000 – $2,000,000 $2,000,000 – $5,000,000 $5,000,000+ Coverage Type Coverage Type Whole Life Term Life Final Expense Not Sure Gender Gender Male Female Non-Binary Tobacco Use Yes No Compare Quotes QuickTake What is demutualization and what does it mean for policyholders? How to protect your life insurance money from being stolen Can you cash in a paid up life insurance policy? Can someone take out a secret life insurance policy on you? How life insurance works during a divorce Can you change the coverage of your term life insurance? Can I withdraw money from my life insurance policy? How can I get life insurance if I'm in poor health? Are you too old to buy affordable life insurance? Do life insurance policies pay out if you die of old age? Protect yourself from insurance revenge during divorce Can I take out a life insurance policy on my spouse? What to do if your life insurance policy lapses See more > Related Articles Can you cash in a paid up life insurance policy? By Les Masterson Can someone take out a secret life insurance policy on you? By Desiree Ghazi What happens to the cash value of my whole life insurance policy when I die? By Nupur Gambhir Can you change the coverage of your term life insurance? By Insure .com Can you cash in a life insurance policy to pay off debt? By Barbara Marquand Can I withdraw money from my life insurance policy? By Desiree Ghazi ZIP Code Please enter valid ZIP See rates