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Can a life insurance claim be denied for drug use?

By Caroline Cornell

March 17, 2023

Home » FAQs » Can a life insurance claim be denied for drug use?

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Unfortunately, the answer is yes. Most life insurance companies have clauses in their policies that stipulate that claims will be denied if the insured person has died of an overdose or as a result of drug use. The life insurance company may also require a drug test to prove the cause of death. Depending on the policy, a death caused by drug use may even result in the life insurance company refusing to pay out the policy altogether.



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