1. The plaintiffs' claims are dismissed.

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

1. The following facts do not conflict between the Parties:

D On August 11, 2008, the Defendant and the insured entered into an accident insurance contract (hereinafter “instant insurance contract”) with the legal heir, the insurance period from August 11, 2008 to August 11, 2028, regardless of the fact that the Defendant and the beneficiary were named D and the beneficiary at the time of death.

B. The security content of the instant insurance contract and the terms and conditions applicable thereto are as follows.

[A] Article 15 (Types and Grounds for Payment of Insurance Money) The Company shall pay to the insured (insured) the insurance money agreed upon (beneficiary) by the person receiving the insurance money (beneficiary) when any of the following events occurs:

1. Where a person eligible for insurance (insured) dies due to a general disaster other than those provided for in the Regulations on the Traffic Safety Classification (Attached Table 3) (hereinafter referred to as "traffic disaster"), which occurs during the insurance period, or where the rate of disability payment calculated by adding up physical parts of the table of disability classification (attached Table 4) other than the traffic disaster is not less than 80% due to the same disaster other than the traffic disaster: The 1,000,000 won Disaster Classification (attached Table 2) (attached Table 2) of the payment criteria for the insurance money to be paid for general accident death benefit under the table of the payment criteria for the insurance money to be paid for general accident death benefit (standard: one unit of insurance money: Article 15 subparagraph 1 of the Terms and Conditions for General Accident Death Insurance (Article 15 subparagraph 1 of the same Act), other than the traffic disaster which occurs during the insurance period, has become disabled by not less than 80% in the aggregate

1. Any of the following disasters subject to coverage shall be paid insurance proceeds in accordance with the terms and conditions of this insurance:

(1) Any contingent external accident falling under the Korean Standard Disease and Death Classification (S0-Y84).

2. Any of the following accidents for which insurance proceeds are not paid: