A. The plaintiff A is the spouse of the deceased D (hereinafter "the deceased"), and the plaintiff B and C are the deceased's children.

B. On October 22, 2013, Defendant Matts Fire and Marine Insurance Co., Ltd. (hereinafter “Defendant Matts Fire and Marine Insurance”) concluded an organization accident insurance contract (hereinafter “instant first insurance contract”) with Defendant Hyundai Marine Fire and Fire Insurance Co., Ltd. (hereinafter “Defendant Hyundai Marine Fire Insurance Co., Ltd.”) with the insured and the beneficiary as legal heir, and the Defendant Hyundai Group Accident Insurance Co., Ltd. (hereinafter “Defendant Hyundai Marine Fire Insurance Co., Ltd.”) respectively concluded a mutual aid insurance contract (hereinafter “instant second insurance contract”) with the Defendant Hyundai Marine Fire and Fire Insurance Co., Ltd. (hereinafter “Defendant Hyundai Marine Fire Insurance Co., Ltd.”).

C. On September 7, 2009, the Deceased concluded the Defendant Hyundai Marine Fire Insurance and Non-Distribution D's Hi0908 (Basic Franchise) Insurance Co., Ltd. (hereinafter "instant 4 insurance contract").

The main contents of each insurance contract of this case are as follows.

1) The first and second insurance contract of this case (only the number of clauses are different, and the same content is the same) (1) The Company shall pay the insurance money agreed upon to the beneficiary when any of the following events occurs to the insured:

(ii) death as a direct result (other than death due to disease).

1) Insurance money: Death insurance money (in the case of the first insurance contract, KRW 40 million, in the case of the second insurance contract) (in the case of the failure to pay the insurance money, KRW 10,000,000).

1. The insured's intention: Provided, That it shall be