1. All of the plaintiffs' claims are dismissed.

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

Basic Facts

A. On December 23, 2016, a party status E (hereinafter “the network”) is as follows.

A person found to be deceased as described in paragraph (1). The plaintiffs are the wife and children of the deceased, and the legal successors of the deceased are the legal successors.

B. On August 25, 2006, the Plaintiff A entered into an insurance contract and a special agreement with the Defendant on August 25, 2006, and entered into an insurance contract with the Plaintiff, the beneficiary at the time of death, with the Plaintiff A, and the beneficiary at the time of death, with the amount of non-payment of dividends at the time of life (hereinafter “instant 1 insurance contract”).

(1) In addition to the above main contract, a special agreement for the death of a traffic accident (hereinafter “special agreement for the death of a traffic accident”) which provides for the payment of insurance proceeds of KRW 200,000 when the insured dies due to a traffic accident during the insurance period.

(2) A special agreement for the death of a disaster (hereinafter referred to as “special agreement for the death of a disaster”) that pays the insurance proceeds of KRW 50,000,000 at the time of death.

(2) On August 31, 1996, the deceased entered into the instant insurance contract and each of the foregoing special terms and conditions with the Defendant as indicated in Appendix 1 (hereinafter “instant insurance contract”). On August 31, 2017, the deceased entered into an insurance policy without dividends of KRW 50,000,000 in the event the insured dies due to a traffic accident during the insurance period (hereinafter “instant second insurance contract”) with the content that the principal insured would be paid to the deceased, the beneficiary’s legal heir, and the maturity of the insurance period.

The main contents of the terms and conditions of the above insurance contract are as shown in attached Form 2.

3) 이 사건 각 보험계약에 적용되는 보험약관에 기초한 보장내용 중 주요한 부분은 아래 [표1] 기재와 같다. 급부명칭 지급사유 지급금액(원) ▣ 이 사건 제1 보험계약 주계약 (사망보험금) 사망하거나 동일한 재해 또는 재해 이외의 동일한 원인으로 여러 신체부위의 합산 장해지급률이 80% 이상인 장해상태가 되었을 경우 50,000,000 (케어프리보험금 지급사유 미발생시 교통재해사망 특약...