Refusal to evacuate a building

by Teri K
(Calgary, Alberta)

If a fire alarm goes off in a business building and someone refuses to evacuate and they end up being killed, would this be considered a suicide? And if so would a life insurance policy still be valid.


This issue came up in a safety meeting after a false alarm last week at work and because it was cold out some people stayed in the building.

Death due to Building Fire?


Hi Teri,
It is hard to imagine that the claim would be denied in a case like this. Most life insurance companies in Canada have a suicide exclusion that ends after two years. So even if it was deemed a suicide, most policies would pay the benefit.

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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