1. All of the plaintiffs' claims are dismissed.

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

1. Basic facts

A. On May 11, 2011, D entered into an insurance contract with the Defendant, which covers D’s insured workers as the heir at the time of the death of the insured (hereinafter “instant insurance contract”) and entered into an insurance contract with C, which covers a beneficiary of the instant insurance policy, i.e., an integrated insurance contract for Samsung Bio-resources 1.0 (hereinafter “instant insurance contract”). In addition to the main contract, D also entered into a regular special agreement

B. According to the terms and conditions of the instant insurance contract, when the insured dies, KRW 50,00,000 of the insurance money is required to pay KRW 20,000 according to the main contract, and KRW 100,000,000 of the death insurance money is required to be paid by the Defendant according to a regular special agreement. If the death was caused by a disaster, the insurance money is additionally paid according to the special agreement for the death of a disaster.

C. On October 18, 201, D (hereinafter “the deceased”): (a) died by breaking a tree in Suwon-si E apartment 112 Dong 402, Suwon-si, Suwon-si; (b) and (c) Plaintiff A, his spouse, and Plaintiff B and C respectively inherited 2/7 of the deceased’s property.

Although the Plaintiffs claimed insurance money from the instant accident to the Defendant, the Defendant rejected the payment of each of the respective insurance money under the main contract, the regular special contract, and the special contract for accident death to the effect that “the deceased, who was the insured, committed suicide, and the insured’s suicide in the insurance constituting the grounds for exemption from the insurer’

E. The main contents of the terms of the instant insurance contract are as follows.

[Main Contract] Article 21 (Types and Grounds for Payment of Insurance Money) The Company shall pay the insurance money agreed upon to the beneficiary (person receiving the insurance money) (see attached Table 1) when any of the following events occurs to the insured (person receiving the insurance money).

1. Where an insured worker dies during the insurance period: A company under Article 23 of the Death Insurance Money shall be subject to any of the following cases: