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Term life insurance drug overdose or Suicide?

My dad smokes 2 packs a day and drinks a 6-12 pack of beer a day. We tried to get him help but he does not want it. Me and my brother talked and decided that the best thing to do is take out life insurance on him to pay for the funeral when that day comes. Would we be able to collect the insurance if my dad Overdoses or Commits Suicide. Not that we want this to ever happen but we also have to think about the future.

   








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My dad smokes 2 packs a day and drinks a 6-12 pack of beer a day. We tried to get him help but he does not want it. Me and my brother talked and decided that the best thing to do is take out life insurance on him to pay for the funeral when that day comes. Would we be able to collect the insurance if my dad Overdoses or Commits Suicide. Not that we want this to ever happen but we also have to think about the future.