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

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

1. Basic facts

A. On April 6, 2011, Plaintiff F Co., Ltd. and the insured (hereinafter “the deceased”) concluded K insurance contract with Defendant F Co., Ltd. and the beneficiary at the time of the death of the insured (hereinafter “the deceased”) on April 6, 201. From April 6, 2011 to April 6, 2026, Plaintiff F Co., Ltd.: (a) concluded the insurance contract with the beneficiary at the time of the death of the insured; (b) the beneficiary at the time of the death of the insured as a statutory heir; and (c) the insured amount at KRW 10,00,000 when the insured died due to a general injury.

B) On July 22, 2011, Plaintiff F and the insured were the legal inheritor, the beneficiary at the time of the death of the deceased, and the insurance period from July 22, 201 to July 22, 2050, and the insured entered into L insurance contract with the insurance amount of KRW 200,000 upon the death of the deceased as a general injury. C) The major contents of the terms and conditions of the insurance contract related to the instant case are as follows.

K Insurance Clause Article 16 (Types and Grounds for Payment of Insurance Money) General Injury and Death Insurance Money

1. Where a beneficiary (excluding death caused by a disease) dies as a result of a direct result of an injury [referring to an injury inflicted on his/her body (excluding bodily assistance equipment, such as water, bill, and chair, but including cases where he/she is aware of his/her body, such as an artificial organs or part of the body) due to an accident that has occurred or is in an imminent and incidental manner during the insurance period, including cases where he/she performs such functions as a result of physical awareness of his/her body) during the insurance period (excluding cases of death caused by a disease), the total amount of the general injury death insurance policy shall be paid to a beneficiary of the general injury death insurance (the beneficiary of the insurance

2) On April 6, 2011, the deceased entered into an insurance contract with the Defendant Republic of Korea) was changed to the Korea Post affiliated with the Ministry of Knowledge Economy, which was affiliated with the Defendant Republic of Korea, around March 2013, and changed to the Ministry of Science, ICT and Future Planning affiliated with the Ministry of Science, ICT and Future Planning around July 2017) and the insured were insured when the deceased and the insured die into a general daily accident.