1. The plaintiffs' claims against the defendants are all dismissed.

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

1. Basic facts

A. The Defendants are corporations that run insurance business under the Insurance Business Act, and Plaintiff A is the father of Plaintiff C, and Plaintiff B is the mother of Plaintiff C.

B. On June 10, 1998, C agreed upon KRW 20,000,000 insurance money under a special contract for death of a disaster between the Defendant Handong Life Insurance Co., Ltd., and on May 8, 2006, between the Defendant ABK Life Insurance Co., Ltd. and the Defendant ABK Life Insurance Co., Ltd., the insurance contract for non-dividendd Type 70 years of age, and the standard new type insurance contract for non-dividendd Type 70 years of age, as of September 24, 2007, concluded each insurance contract, and agreed to KRW 100,000 of the insurance money under each special contract for death of a disaster. On April 3, 2008, C entered into the insurance contract with Defendant DBK Life Insurance Co., Ltd., Ltd. with each of the above insurance contracts with each of the above KRW 100,000 insurance money under the special agreement for death of a disaster (hereinafter referred to as “the insurance contract”).

C. The insurance terms and conditions that form the contents of the instant insurance contract between C and Defendant Han Lan Life Insurance Co., Ltd. provide that when the insured dies due to any accident, which is an contingent external factor (if a person who has a disease or physical damage, has caused a minor external factor or aggravated symptoms, such minor external factor shall not be deemed an contingent external accident), the beneficiary shall be paid the insurance proceeds. The insurance terms and conditions that form the contents of each of the instant insurance contracts between C and Defendant Han Lan Life Insurance Co., Ltd. shall be agreed to the beneficiary (beneficiary) to receive the insurance proceeds in the event that the insured (insured) dies due to a disaster during the insurance period (as stipulated in attached Table 2).