2. The costs of lawsuit shall be borne by the Plaintiff.

A. On February 26, 2012, the Plaintiff is a member of a personal agricultural cooperative (hereinafter “instant cooperative”). On February 26, 2012, the instant cooperative concluded a group insurance contract with the Defendant running the insurance business with the Plaintiff, which is one year of insurance period, as the insured.

B. On June 1, 2012, the Plaintiff filed a claim for the payment of insurance proceeds under the instant insurance contract with the Defendant on March 10, 2014, by asserting that, while moving a fertilizer spawn (hereinafter “instant accident”) from a spawn field owned by the Plaintiff, it was not due to a disaster that occurred during the farming process. However, on April 17, 2014, the Defendant rejected the payment of insurance proceeds on the ground that the instant accident was not caused by a disaster during the farming process.

C. On the other hand, on January 30, 2013, the Plaintiff received a diagnosis of the rear disability, which is 0 (Zero) both sides of the slots and the slopings, due to both sides of the water supply.

The important parts of the terms of the instant insurance contract are as follows.

Article 14 (Types and Grounds for Payment of Mutual Aid Money) The Nonghyup (hereinafter referred to as the “Defendant”) shall pay the Insured the insurance money (attached Table 1) agreed upon to the beneficiary of mutual aid (the beneficiary of mutual aid money) when any of the following causes occurs during the period of mutual aid.

1. (Omission)

2. When he/she becomes a disabled person with at least 80% disability in addition to the various physical parts in the disability classification table due to the same disaster: The amount of insurance for loss of labor force;

3. through 3.

7. (Omission) (Attachment 1) (Attachment 1) the criteria for paying mutual aid money; ii) the state of disability in which the amount to be paid for the benefit of loss of labor force is not less than 80%, obtained by adding the disability payment rates for the various parts of the disability classification table to the amount to be paid for the benefit of loss of labor force in the general first-class and second-class ordinary 3 beneficiaries (the