A. On April 18, 2014, the Plaintiff concluded an insurance contract with the Defendant, the contractor, and the insured, on April 18, 2014, indicated in the separate sheet between the Defendant’s mother and B, and between April 18, 2014 and April 18, 2013 (hereinafter “instant insurance contract”).

B. The terms and conditions of the instant insurance contract include the following:

[Detailed Provisions for Payment of Insurance Money]

1. If the insured becomes a disability with at least 50% of the disability payment rates added to various physical parts due to the same cause other than the same disaster or accident during the period of the payment of the insurance premium, or if any cause for the payment of the CI/L insurance under subparagraph 2 of Article 3 (Grounds for Payment of Insurance Money) occurs, he/she shall be exempted from the payment of the basic insurance premium after the next time;

However, if a cause for the payment of CI/LC insurance proceeds occurs from the contract (the date of recovery of active effects) to the date of commencement of guarantee of CI/LC insurance proceeds, and before the preceding day, I will not exempt the insured from the payment of basic insurance premiums after the next time.

(Annex 3) General Provisions of the Disability Classification Table

1. “Disability” means a state of damage to a permanent mental or physical handicap remaining after the cure of an injury or disease: Provided, That when the state of a disease or an injury, a complication, and symptoms temporarily appearing in the course of receiving treatment therefor are not included in the disability; 12. 12. When the state of a disease or an injury, a state of damage to a person’s body, and symptoms temporarily appeared in the course of receiving treatment therefor; 2. When the state of damage to a chest organs and a parthenogenesis or a parthenogenesissis has a serious obstacle to a chest organs or parthenogenesissis; 3) when the state of damage remains in a part of a chest organs or parthenogenesissis or parthenogenesissississis; 750 20

(a) Classification of disabilities;

(b) Where he/she has left a chest organs or parthe/shenogenesissis"in the criteria for determining disabilities (hereinafter referred to as "where he/she has left a conspicuous disorder in the part of chest organs or parthe/shenogenesissis");

(c) B shall be influence of Rose of Sharon;