A. On August 22, 2005, the deceased C (hereinafter “the deceased”) entered into a D insurance contract and E insurance contract (hereinafter “instant insurance contract”) with the Defendant as follows, and paid the insurance premium to the Defendant.

[D] Insurance Contract - Policyholders and Insured - Legal Inheritors: Insurance Period of the Death Insurance Contract - Legal Inheritors: From August 22, 2005 to August 22, 2020: Death Insurance Money: KRW 40 million - General Terms and Conditions Article 14 (Compensation Damages) of the General Terms and Conditions

Article 4 (Extinguishment of Special Terms and Conditions for Security of Injury) (2) If a company has paid the death insurance money or the advanced disability insurance money in accordance with this Special Agreement, the liability of the company for the insured shall be extinguished from the time when the cause of such damage has occurred, and in such cases, the company shall not pay the cancellation refund of this Special Agreement to the insured.

(3) Even if the insured dies during the insurance period other than those referred to in paragraph (2), the liability of the company against the relevant insured shall be extinguished, and in such cases, the company shall pay the liability reserves of this special agreement for the relevant insured accumulated by the company until such time as prescribed by "written methods of calculating insurance premiums and liability reserves".

except that the contractor.

In the case of death caused by intention of the insured or beneficiary, the provisions of Article 15(2)(1) through (3) of the General Terms and Conditions shall apply.

(4) Where the insured's life or death is unknown and a government agency acknowledges as a result of an adjudication of disappearance or a disaster, the deceased shall be deemed dead.

Article 5 (Death Insurance Money) (1)