A. On April 9, 2002, the Plaintiff entered into a life insurance contract with the Defendant for a non-distribution ber (hereinafter “instant 1 insurance contract”) and the main contents are as follows.

Insured: The insured beneficiary at the time of the death of the insured worker B (the wife of the Plaintiff): The insured period from April 9, 2002 to March 8, 2027: 100 million won of the insurance proceeds of the death of a disaster when the insured dies due to a disaster:

B. On August 20, 2009, the Plaintiff entered into a contract with the Defendant for the Non-Distribution of Dividends and Social Life Insurance III (hereinafter “instant insurance contract”) (hereinafter “instant 2 insurance contract”), and the aggregate of the instant 1 and 2 insurance contracts (hereinafter “instant insurance contract”). The main contents are as follows.

Insured: Beneficiary at the time of the death of B Insured: The content of guarantee of life insurance period of the Plaintiff: 100 million won of the basic death insurance amount at the time of the death of the insured: Provided, That where the insured dies for reasons other than disaster within five years from the date of the contract, the above basic death insurance amount shall be paid differently in accordance with the Reduction of Insurance Money Act.

C. The terms and conditions of the instant 1 insurance contract define “disaster” as “accidents that occur frequently (Provided, That where a person who has a disease or physical damage caused by a minor external factor, or whose symptoms worsen further, it shall not be deemed as an accident resulting from contingent external factor)” as “accidents in accordance with the disaster classification table in attached Table 2, and include “accidents” in the disaster classification table in attached Table 2.

Meanwhile, the terms and conditions of the second insurance contract of this case stipulate that the Korean Standard Disease Death Classification, such as any contingent external accident falling under S00 to Y84 of the Korean Standard Disease Disease Classification, shall be W65-74, contingent dysium and dysium, and W65 of this case shall be dysium and dysium, and W66 of this case shall be dysium and dysium during the period in a bath.