1. The plaintiffs' claims are dismissed.

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

1. Basic facts

A. 1) The Plaintiff D entered into each of the instant insurance contracts with the Defendant on June 5, 2003 (hereinafter “the deceased”).

B) The insured and the beneficiary of the death insurance are Plaintiff D, and the G contract listed in attached Form 1 (hereinafter “instant 1 insurance contract”).

(2) On February 24, 2006, the H contract indicated in attached Form 2 (hereinafter “instant 2 insurance contract”) between the Defendant and the deceased as the insured, and the beneficiary of the death benefit as the inheritor of the insured.

(2) According to the instant No. 1 insurance contract, 30 million won is paid when the insured dies due to a disaster prescribed in attached Table 2 (Disaster Classification Table), and according to the instant No. 2 insurance contract, 20 million won is paid in cases where the insured dies due to a direct cause as prescribed in attached Table 2 (Disaster Classification Table).

3) Attached Table 2 (Disaster Classification Table, and the contents of each of the instant insurance contracts are as specified in each of the instant insurance contracts.

The main contents of the disaster classification table are as follows: (A) disaster listed in the disaster classification table refers to an accident resulting from a contingency (Provided, That if a person who has a disease or physical disorder suffers from a minor external factor or has aggravated symptoms, the minor external factor shall not be considered as an accident resulting from a contingency, and it refers to an accident in accordance with the following classification table:

-Items - 13. Impact 17. Other pulmonary dangers 24. Other influences, and exposure to the detailed unknown factors;

B. At around 08:00 on January 25, 2017, the Deceased was used in front of his own toilet door located in Ischeon-si I, and was found by the Plaintiff A, her husband. While 119 first aid workers immediately called the Deceased and sent the Deceased to J Hospital, the Deceased had already died at home. 2) The doctor of the J Hospital, who conducted the death of the Deceased, was in the state of death.