1. With respect to an accident that C died on October 24, 2016, the Plaintiff (Counterclaim Defendant) based on the insurance contract indicated in the separate sheet.

A principal lawsuit and a counterclaim shall be deemed simultaneously.

1. Basic facts

(a) be the deceased C et al.;

on August 23, 2016, hereinafter referred to as "the insurance contract of this case between the defendant and the defendant" is referred to as "the insurance contract of this case".

B) The insurance terms and conditions of the insurance contract of this case include the following: (5) The company shall not pay insurance proceeds when any of the following events occurs to cause the payment of insurance proceeds, and shall not apply to 26-1 (the exemption from the payment of insurance proceeds set forth in the exemption from the payment of insurance proceeds).

(1) The insured has intentionally impaired himself/herself: Provided, That he/she shall be paid insurance proceeds when the insured has impaired himself/herself under the condition that it is unable to make a free decision due to mental disorder,

C. On October 24, 2018, around 19:00 on October 24, 2018, the Deceased: (a) was discovered in the Cheongnam-si D’s lower-class area located in Sungnam-si, Sungnam-si, which is one’s residence, in a way to avoid smoke in the way to avoid smoke; and (b) a cre in such way as to prevent smoke from being flown; (c)

hereinafter referred to as "the accident of this case"

D. In the body examination report on the deceased, the causes of the death include the kinds of accidents due to gas addiction and the kinds of accidents due to external personnel. [The grounds for recognition] The facts that there is no dispute, and evidence A Nos. 1 through 4 (the number of spot numbers is included; hereinafter the same shall apply).

No. 4. Each entry of No. 4 and the purport of the whole pleading

2. Determination on the principal lawsuit and counterclaim claim

A. 1) The Plaintiff’s assertion 1) The instant accident constitutes a case where the insured, who is an exemption provision for the Deceased’s injury, intentionally undermines himself, and thus, the Plaintiff, the insurer, has no obligation to pay the insurance money to the Defendant. Moreover, the Defendant sought confirmation that the Defendant has no obligation to pay the insurance money. 2) The Defendant Deceased’s decision-making without normal separation due to the depression of evidence.