However, during the contestability period of your life insurance policy, within the first 2 years you are insured, the insurance company may contest any claim.
If you die from a drug overdose the insurance carrier can deny payment within the first two years of the policy if the death resulted from a drug overdoes, hand it can be proven you had a drug problem before buying the life insurance, and you did not disclose this on the application for life insurance. This is called material misrepresentation - meaning you lied about a material fact that would have affected whether or not you were approved to purchase the life insurance policy.
Also, suicide is excluded from coverage if the suicide occurs within 2 years of you buying the life insurance policy, one year in some states like Colorado. So, if it is determined that you committed suicide within two years of buying your policy, the claim for life insurance death benefit to be paid to your beneficiaries may be declined.
Normal death claim would be covered due to drug overdose. But there will be an investigation to determine the cause of death, when it occurred, and under what circumstances did it occur.