1. The plaintiffs' respective claims against the defendants are dismissed in entirety.

2. The costs of lawsuit are assessed against the plaintiffs.

1. Conclusion of insurance contracts and the death of the insured;

A. (1) On July 5, 2004, the networkF entered into an insurance contract with Defendant Linna Life Insurance Co., Ltd. (hereinafter “instant insurance contract”). On July 5, 2014, the insurance date was set as the only date of insurance with the Defendant Linna Life Insurance Co., Ltd. (hereinafter “instant insurance contract 1”).

According to the instant insurance contract 1, in the event that the net F, the principal insured, dies due to a cause other than a disaster during the insurance period, Defendant Drain Life Insurance Co., Ltd. shall pay KRW 5,000,000,000, and KRW 25,00,000,00,000, in the event of the death due to a disaster

However, with respect to the exemption of the obligation to pay insurance proceeds and the reasons for such exemption, the above contract provides as follows:

Article 16 (Insurance Accidents for which No Insurance Money is Paid) (1) The Company may terminate this Agreement at the same time as not paying insurance money if any cause for the payment of insurance money occurs due to any of the following cases:

1. Where the insured has intentionally impaired himself/herself, but this shall not apply where the insured has impaired himself/herself with mental illness, and where he/she has committed suicide after two years from the date of commencement of responsibility for the contract (in cases of an inevitable contract, the date of reinstatement) or has caused harm to himself/herself, thereby becoming a disability of Grade I in the disability classification table;

(2) On September 18, 2012, the networkF concluded the LIG365 Drivers Insurance Contract (hereinafter “instant insurance contract 2”) on September 18, 2024 between Defendant LIG365 (hereinafter “instant insurance contract”).

According to the instant insurance contract 2, where the net F, the insured, dies due to a general injury during the insurance period, Defendant LELA Co., Ltd. shall pay KRW 10,000,000 as insurance money.

However, with respect to the exemption of the obligation to pay insurance proceeds and the reasons for such exemption, the above contract provides as follows:

Article 17. Insurance proceeds.