Does an insurance policy pay accidental death benefits is death is caused by murder?

It depends. AD&D policies are very restrictive in their payouts. If the deceased had alcohol above the legal limit of any type of narcotics in their system at the time of death, then the claim will likely be denied. If not, then the claim should pay. I work for the Center for Life insurance Disputes if you would like to discuss in more detail or get our representation.