Illegal Drug Use

I had a client ask me what would happen if at some point he used illegal drugs (weed in this case ) and died in a car accident how the insurance companies would handle that. I told him they would most likely adjust the premiums to smoker rate and take the difference from the death benefit or deny the claim entirely for illegal drug use but more likely deny the claim. I plan to call and ask for clarification but thought some of you may know how that would be handled. Does illegal activity stretch beyond the contestability period?

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