1. The plaintiff's claim is dismissed.

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

1. Basic facts

A. The conclusion and amendment of the insurance contract 1) The Plaintiff’s partner C (name before the name of the Plaintiff: D) is a policyholder C and the insured F (the Plaintiff and C’s partner) by the Defendant’s solicitation on January 2, 2006, the Defendant’s insurance solicitor.

(2) According to the first insurance contract of this case, if the insured F dies due to a disaster during the insurance period, the Defendant is obliged to pay the beneficiary the insurance proceeds of KRW 100,000,000,000 with the total amount of the death insurance proceeds of KRW 100,000,000 according to the main contract for the death of a disaster, and KRW 200,000,000,000 according to the special contract for the death of a disaster. 2) The policyholder and beneficiary of the first insurance contract of this case were changed to H on May 18, 207 to the status of the insured and beneficiary of the first insurance contract of this case to the Plaintiff on April 15, 2009.

3) On October 14, 201, C entered into an I insurance contract (hereinafter “instant 2 insurance contract”) with the Defendant with the policyholder and beneficiary, the insured F, insurance premium of KRW 254,930 per month. According to the instant 2 insurance contract, where the insured F has died during the insurance period, the Defendant shall pay KRW 150,00,000 to the beneficiary of the insurance contract. B. The occurrence of the insurance accident and the Defendant’s refusal to pay the insurance premium of KRW 15,000 on January 15, 2013. On September 25, 2014, the Plaintiff died from a fire. As such, on September 25, 2014, the Plaintiff failed to obtain the Defendant’s insurance payment of KRW 20 million under the instant 1 insurance contract (i.e., KRW 100,000,0000,0000,000 under each of the instant insurance contracts, the Defendant did not obtain the consent of each of the instant insurance contracts (i.