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1. All of the plaintiffs' claims are dismissed.
2. The costs of lawsuit are assessed against the plaintiffs.
Reasons
1. Basic facts
A. The plaintiff A is the deceased's spouse of the net F (hereinafter "the deceased"), and there are three children of the plaintiff B, C, and D under the chain with the deceased.
B. On December 30, 2013, Plaintiff A entered into a “G” contract with the Defendant (hereinafter “instant insurance contract”).
The insurance period of the instant insurance contract is from December 30, 2013 to December 30, 2067, and the insured is the deceased, and the beneficiary of the instant insurance contract is the legal heir at the time of death.
The above insurance contract also includes the coverage of the special terms and conditions of injury death, and according to the above special terms and conditions, 120,000,000 won of the insurance amount shall be paid as the death insurance amount if the insured (beneficiary) as stated in the insurance policy (insurance policy) dies as a result of the direct result of injury that occurred during the insurance period.
The terms and conditions of the instant insurance contract pertaining to the instant case are as follows.
Section 4 of the General Terms and Conditions, 25. (Obligation to inform before the contract) The contractor or the insured (person subject to insurance) shall inform the contractor of the fact that he knows about the matters asked at the time of subscription (in the case of the diagnosis contract, referring to the health certificate).
27. (Effect of Violation of Obligation to Notify) The Company may terminate this Agreement, regardless of whether or not the damage has occurred, in the following cases:
1. Where the contractor or the insured (person subject to insurance) intentionally or by gross negligence violates 25. (Duty to Notify before the contract) and the obligation constitutes an important matter, the company may not terminate the contract in any of the following cases:
(2) When two years (one year in the case of an insured person who has undergone a health examination) have passed since the company became aware of such fact or when two years (one year in the case of an insured person who has undergone a health examination) have passed since the company received the first insurance premium.
C. The Deceased on January 2015