1. The plaintiff's claims against the defendants are all dismissed.

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

1. Basic facts

A. (1) The Plaintiff entered into an insurance contract with the Defendant’s life insurance and entered into an insurance contract with the following terms: ① the purchase amount of the insurance policy KRW 100 million (the purchase amount of the special agreement for accident security) and KRW 100,000 (personal), non-distribution Scandt Scandt (securities No. B) from March 9, 2001 to death (this insurance contract was terminated on February 21, 2008). The terms and conditions of this insurance contract are as follows.

Article 8 (Reasons for Payment of Insurance Money) (1) In the event that the insured is in a state of disability of Grades I through VI in the Table of Disability Classification (See attached Table 8) for a direct reason during the insurance period of this Special Agreement, the Company shall pay the insurance money agreed upon to the beneficiary (see attached Table 1 of the Standard for Payment of Insurance Money).

Article 9 (Detailed Provisions concerning Payment of Insurance Money) If the grade of a disability state is not determined within 180 days from the date of the accident due to the type and cause of payment of insurance money, the grade of the aggravated disability state recognized as fixed on the basis of the diagnosis of the doctor on the date 180 days from the date of the accident shall be determined.

However, if the state of disability becomes worse during the period of guarantee thereafter, it shall be determined on the basis of the aggravated state of disability.

(Attachment 1) Where the insured status of disability of Grades III through VI in the Disability Classification Table due to a direct cause of a disaster during the insurance period of the Table of Standards for Payment of Insurance Money (Standard: 10,000,000 won): When the insured status of disability of Grades III through VI in the Disability Classification Table of (Attachment A): When he permanently has left his office with his own hearing ability of two ear, subparagraph 12 has lost his hearing ability permanently: When he has left his office with his own hearing ability of Korea, subparagraph 11 of Grade VI: When he has left his office with his own hearing ability of Korea, the theory of disability classification has been adopted.

9. “The permanent loss of hearing power” frequency 500, 1000;