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Ask the Life Insurance Expert

Q

If my husband died in a car accident in which he was driving under the influence of alcohol, could my life insurance company refuse to pay me?

A

A standard life insurance policy typically covers any cause of death, excluding a suicide within two years of the policy’s issue date. 

However, driving under the influence of alcohol could affect a claim under and accidental death and dismemberment (AD&D) policy.  Accidental death insurance, as well as long term and short term disability policies, normally have an exclusion that states that an injury or death “resulting from a motor vehicle accident caused by operating the vehicle while you are under the influence of alcohol is not covered.”

Last updated: Nov. 25, 2014