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.”