A. The status D of the parties died on January 1, 201 while serving as a police officer on May 31, 2004. Plaintiff A was a child between the wife of D, Plaintiff B, and Plaintiff A and D. The National Police Agency, the administrative agency of D, concluded an injury insurance contract for a public official’s welfare organization (hereinafter “each insurance contract of this case”) with the Defendants, the insurance company on behalf of individual police officers on a one-year basis.

B. Examining the grounds for the payment of insurance proceeds and the terms and conditions of each of the insurance contracts of this case under each of the insurance contracts of this case, when police officers including D, who were insured, die within the insurance period, the heir; Defendant Hyundai Marine Fire Insurance Co., Ltd. (hereinafter referred to as “former Sea”) agreed to pay insurance proceeds of KRW 10,000,000; KRW 20,000 for Defendant Samsung Samsung Fire Insurance Co., Ltd. (hereinafter referred to as “Masung Fire”) and KRW 50,000 for Defendant Samsung damage Insurance Co., Ltd. (hereinafter referred to as “ELI”) and KRW 15,000,000 for Defendant Nonghyup Damage Insurance Co., Ltd. (hereinafter referred to as “CF”) and KRW 5,000,000 for each of the insurance contracts of this case; however, the Defendants did not pay insurance proceeds of the injury to the insured on the following grounds:

Defendant Hyundai Sea, Nonghyup (Article 7(1) of the Terms and Conditions): Where the insured intentionally damages himself/herself (Article 1); the insured’s self-defense; suicide; attempted suicide; criminal acts or violence under the Criminal Act (Article 7(1)); where the insured’s disease or breakdown was caused (Article 5(5) (Article 7(1) of the Terms and Conditions); where the insured’s disease or breakdown was caused (Article 7(1)); the insured’s intentional harm to himself/herself; however, the insured’s mental illness;