Lloyd's of London -- Overdose Clause?

MIchael JacksonA spokesperson for Lloyd's of London tells us she's never heard of a case where her company has insured someone for a drug overdose.

AEG, the company that was promoting Jackson's London concerts, claimed yesterday the policy it took out from Lloyd's did not cover death from natural causes but did cover overdoses.

Louise Shield -- the head of communications for Lloyd's of London -- tells us such a policy is "odd" and that she's never heard the company insuring for drug overdoses.

What's more -- Shield says the company typically requires a "medical assessment" .... a physical before the policy is written.

As we first reported, Jackson's body had dozens of injection sites in various places. So the question -- how could a policy be issued with clear evidence of a problem?

Shield would not comment on the policy, and found it strange AEG discussed it publicly. She's not saying if overdoses were covered or not.

Tags: AEG, insurance, Lloyds of London, LloydsOfLondon, Louis Shield, LouisShield, michael jackson, MichaelJackson, od, overdose

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46. Michael Jackson, to quote a lyric from one of your songs...I want you to know, “You are not alone.” Not anymore. I believe you are now, the angel in heaven you sought so hard to be here on earth. You were so misunderstood, vilified, and beat upon. There was so much mockery and hatred of you, for only one reason. You’re goodness; your luminosity into the beautiful heart you believed could be in every man. You had such generosity, and tried so hard to teach others, to look into the soul; and to not judge based on color, creed or class.
But darkness, doesn’t like beauty to shine. It detracts so much from what it is trying to do. Create dark humanless souls of us all. To replace the radiance that was born within all of us, by God. You spoke of nothing, but love and peace. Your light through your words, and music shone so bright. You’ve brought so much too so many, but only sought pure love for yourself. Your sensitivity brought ridicule. When all you wished most of all was to be embraced and understood. You had such a creative, gentle, kind spirit.
I think what personally stood out to me most of all; was your tender nature. Envy in other people mistook that for weakness, when in reality it is strength. The force of who you were was so strong. Many people wish to have that, but could never achieve it. So they became jealous and spiteful towards your achievements.
We are all afforded different opportunities in life. Instead of being envious, they should have rejoiced with you, in your success and in your life.

Posted at 4:20PM on Jul 3rd 2009 by MICHELLE

47. I posted the prior message to the wrong site . Anyway, I cannot believe any insurance company makes insurance available for drug overdoses. If that is, indeed, so all of Hollywood and much of the remainder of the country should take out a policy. Having such a policy is in a way giving license to use. Very strange, there must have been some under the table dealing if this turns out to be true.

Posted at 4:47PM on Jul 3rd 2009 by haven here

48. How am i sure its not AEG that conspired to kill MJ? All they are apparently intetrested in is the insurance claim. Im watching!

Posted at 3:03AM on Jul 4th 2009 by naome

49. Is it possible that they added the clause because they knew Michael Jackon was a drug addict? Maybe they just put that in there in the event he couldn't make it through the tour. Still shady that the head of communications would have not heard of that type of clause. To me it seems plausible that an overdose clause would be instated given many musicians use drugs and many are full blown addicts.

Posted at 6:39PM on Jul 3rd 2009 by anon

50. this story is getting stranger by the min? but somethings not right about the whole thing im now asking myself is MJ REALLY DEAD OR HAS HE FAKED IT? HE HAD GOOD REASON TO.

Posted at 4:43PM on Jul 3rd 2009 by marie

51. I just seen the video on the right for "The last encounter we had with Michael Jackson". What the f**k is wrong with those people. Michael, Michael, Can you still moonwalk Michael? F**king idiotic people. I think they are the ones on drugs. Poor man cannot even get in a car in peace without people flocking to him and bothering him. God, F**king annoying people! Should have ran over them.

Posted at 4:43PM on Jul 3rd 2009 by Mary

52. I just seen the video on the right for "The last encounter we had with Michael Jackson". What the f**k is wrong with those people. Michael, Michael, Can you still moonwalk Michael? F**king idiotic people. I think they are the ones on drugs. Poor man cannot even get in a car in peace without people flocking to him and bothering him. God, F**king annoying people! Should have ran over them.

Posted at 4:44PM on Jul 3rd 2009 by Mary

53. TMZ - why won't this comment go through?
Insurance policies for accidental death are common. Accidental overdose would be included in those policies. I've already spoken on that to dispel this whole "AEG killed Michael to get the insurance" ridiculous comments. However, it is unclear on how AEG would obtain such a policy on someone with a known drug dependency. As I said in a past comment, if AEG did get an accidental death policy as they claim, they are lucky to have found anyone to underwrite such a policy under the circumstances. Health questions are always asked and verified. However, since I don't have facts, I won't say that they definitely did, or did not get such coverage. All I know is, in the insurance business, accidental death policies are common, but there are usually health questions that must be verified and passed. Whether Michael could have passed them, did pass them or tried to pass them, I have no knowledge, but will be interested in learning as TMZ continues to uncover more.

Posted at 4:44PM on Jul 3rd 2009 by Joan Short

54. I just seen the video on the right for "The last encounter we had with Michael Jackson". What the f**k is wrong with those people. Michael, Michael, Can you still moonwalk Michael? F**king idiotic people. I think they are the ones on drugs. Poor man cannot even get in a car in peace without people flocking to him and bothering him. God, F**king annoying people! Should have ran over them. Michael was so kind to not get an attitude with them. If that was me, I would have been like you stupid ass.

Posted at 4:46PM on Jul 3rd 2009 by Mary

55. is there any comment you will let me post?

Posted at 4:48PM on Jul 3rd 2009 by Joan Short

56. Insurance policies for accidental death are common. Accidental overdose would be included in those policies. I've already spoken on that to dispel this whole "AEG killed Michael to get the insurance" ridiculous comments. However, it is unclear on how AEG would obtain such a policy on someone with a known drug dependency. As I said in a past comment, if AEG did get an accidental death policy as they claim, they are lucky to have found anyone to underwrite such a policy under the circumstances. Health questions are always asked and verified. However, since I don't have facts, I won't say that they definitely did, or did not get such coverage. All I know is, in the insurance business, accidental death policies are common, but there are usually health questions that must be verified and passed. Whether Michael could have passed them, did pass them or tried to pass them, I have no knowledge, but will be interested in learning as TMZ continues to uncover more.

Posted at 4:48PM on Jul 3rd 2009 by Joan Short

57. In reply to haven here @ 4:28PM, I agree with you that I don't think Michael ever got over Lisa Marie. Look also at the time line, Lisa Marie had her twins in October 2008, just speculation, but maybe that started putting him over the edge because he always wanted kids with her. She said no. Similiar to him saying that he was distraught when Lisa Marie married her first husband because he always felt it should have been him marrying her. Michael had a crush on her since he was 17 yrs. old and even sought her out when she got a littler older, but nothing came of it.

I hear conflicting things about Michael's love life and sexuality, but if you look at the photos of Michael and Lisa Marie when they were married and a few after they were divorced, he does look like he is in love and I have never seen him like that in other photos with women he was dating.

Posted at 6:40PM on Jul 3rd 2009 by anon

58. @ poster 46, Marie. My Mom is thinking the same exact thing about him. If he is really dead or not. She thinks he could have possibly faked his own death. If that is true, In time you will see clues given by Michael to let the world know he is still here. At this point, I am hoping that would be true. I can't see a world without him in it. Either way though, It really is so sad because if it were true or he faked his death, We would never seem him anymore. I would still rather have him breathing, In any kind of way!

Posted at 4:51PM on Jul 3rd 2009 by Mary

59. @ Amanda, Michael dead on the bed. Not in soil. People are nuts.

Posted at 4:52PM on Jul 3rd 2009 by Mary

60. Insurance policies for accidental death are common. Accidental overdose would be included in some of those policies. I've already spoken on that to dispel this whole "AEG killed Michael to get the insurance" ridiculous comments. However, I will take it a step further and say it is unclear on how AEG would obtain such a policy on someone with a known drug dependency. As I said in a past comment, if AEG did get an accidental death policy as they claim, they are lucky to have found anyone to underwrite such a policy under the circumstances. Health questions are almost always asked and verified. However, since I don't have facts, I won't say they definitely did or did not get such coverage.

All I know is, in the insurance business, accidental death policies are common, but there are usually health questions that must be verified and passed. Whether Michael could have passed them, did pass them or tried to pass them, I have no knowledge, but will be interested in learning as TMZ continues to uncover more.

Posted at 4:53PM on Jul 3rd 2009 by Joan Short

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