1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

1. Basic facts

A. On September 12, 2001, the deceased entered into a contract with the Defendant as “the primary insured fetus, the insured insured, the beneficiary, the network B, the beneficiary: the network B (influence)/ network B (influent disability)/the Plaintiff (Death)” and the “competing Child Insurance”. As the deceased died while having given birth CD, the Plaintiff acquired the status of a party to the said contract and changed the beneficiary into D, and the beneficiary into the Plaintiff, respectively.

(hereinafter referred to as “instant insurance contract, regardless of whether before or after the amendment”). (b)

The main part of the instant insurance contract is as follows.

Insurance proceeds for death of a disaster: General death insurance proceeds to be paid in KRW 20 million when the principal insured dies due to a disaster directly due to the insurance period: When the principal insured becomes disabled of Grade I in the table of disability classification due to a cause other than a disaster during the insurance period: Disability pension for KRW 15 million shall be paid for 20 years when the principal insured becomes disabled of Grades I through III in the table of disability classification due to a cause other than a disaster: Provided, That in the case of a state of Grade I disability, the company shall pay KRW 10 million each year in the case of a state of disability of Grade I, and the company shall pay KRW 16 (Types and Grounds for Payment of Insurance Money) to the insured during the insurance period if any cause falling under any of the following cases occurs during the insurance period, the company shall pay the insurance proceeds agreed upon to the beneficiary or exempt the payment of insurance premiums after the next

3. When the primary insured becomes a disability of Grades I through III in the table of disability classification for direct cause of a disaster during the insurance period: In cases falling under subparagraph 3 of Article 17 (Detailed Provisions concerning the Payment of Insurance Money) (7) in the case of Article 16 (Types and Grounds for Payment of Insurance Money) the disability pension to be paid each year may be paid in advance at the estimated interest rate of this insurance at the request of the beneficiary in a lump sum.

(c) D is an accident at the time of birth that reduces umbilum lines.