Heath Ledger&squo;s daughter Matilda in millions row | Herald Sun What is your opinion on this? How do they prove it was not an accidental overdose? I am not saying that he committed suicide, over-dosed on drugs (legal or illegal), or if he died of natural causes (doubt that though), because I do not know. And I understand that his policy had a "suicide clause in it" and they are saying "he may have commited suicide". Then this brings up my second part of my question. When a person purchases life insurance - pays for it for years and years .... if they die because of an illegal drug or legal drug overdoze should their heirs be paid the amount of the policy? Opinion on this? To be honest I don't know what I think about this - but when reading and hearing about it on TV ... it made me at least think about it.