Life insurance companies often claim to prioritize compassion, but at the end of the day, their goal is profit. When a claim is denied—especially after years of paid premiums—the insurer keeps the money. That denial may be "just business" to them, but for grieving families, it can be financially and emotionally devastating. One tactic insurers use is labeling deaths involving drugs as suicide to invoke policy exclusions and avoid paying benefits.
Can a Life Insurance Company Deny a Claim for Drug Use?
Yes—but that doesn't mean the denial is legally justified. Insurers often argue that deaths involving drugs or chemical inhalants are intentional acts of self-harm. If a policy has a suicide exclusion clause (often enforceable within the first two years), they may deny the claim based on alleged suicide—even without clear proof. But under the law, suicide requires intent. A reckless or accidental death is not the same thing, and claimants have the right to challenge these decisions.
Real Case: Teen’s Death Wrongly Classified as Suicide
Jason, a 15-year-old from a well-off Midwestern family, died after inhaling paint thinner fumes. His death was ruled accidental by the coroner—there was no note, no history of depression, and no signs he intended to die. Yet, the life insurance company denied the claim submitted by his parents, citing the suicide exclusion in the policy, which had been active for less than two years.
Jason’s family turned to a life insurance denial attorney. The lawyer launched an in-depth investigation, analyzing Jason’s phone, texts, and social media. The evidence showed a teenager full of life and plans—mentioning winter parties, prom, and future travel. One message read, “Gonna try huffing tonight. Gonna be so fun!” This was clear evidence of recklessness, not suicidal intent.
During an appeals hearing, the attorney presented this evidence, along with witness statements and the coroner’s report. Faced with overwhelming proof that Jason did not intend to die, the insurance company reversed its decision and paid the full policy benefit. If you need New Hampshire interpleader lawsuit guidance call us.
What This Means for You
If your life insurance claim has been denied due to an alleged suicide, don't assume the insurer is right. Many companies make decisions based on limited information—and those decisions can be challenged. An experienced life insurance lawyer can uncover evidence, push back against unjust denials, and fight for the benefits you're owed.
Free Help for Denied Life Insurance Claims
If your loved one’s life insurance claim was denied over drug use, suicide allegations, or other vague policy terms, you may still have a valid claim. Our law firm handles these disputes nationwide and doesn’t charge any legal fees unless we win your case. We offer a free consultation to evaluate your denial and explain your legal options.
Don’t let the insurance company have the final word. Contact us today—we’re here to fight for you and make sure your family receives the benefits they deserve.