1. All of the plaintiffs' claims are dismissed.

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

1. Basic facts

A. On January 25, 2013, the deceased C (hereinafter “the deceased”) concluded an insurance contract with the following content (i.e., the insurance company, and the Defendant and the insured (persons subject to insurance) for the type three (100%) risk-non-risk risks (hereinafter “instant insurance contract,” and the insurance terms and conditions included in the instant insurance contract were referred to as “instant insurance terms and conditions”).

Securities No. : D (individual) insurance type code: 5S9321AD insured (person subject to insurance): C beneficiary: Insurance money in cases of the death of the insured by legal heir at the time of his/her death: 300,000 (the time of his/her death due to a traffic accident in the course of using public transportation): 150,000 (the time of his/her death due to a traffic accident other than traffic accident in the course of using public transportation) - Article 24 of the insurance clauses of this case [the time of his/her death due to a disaster other than traffic accident] Article 24 of the insurance clauses of this case [the time of his/her death] [the company does not pay the insurance money] where any of the following causes for the payment of the insurance money occurs pursuant to any one of the following cases, it shall not be exempted from paying the insurance money or from paying the insurance premium:

1. Where the insured has intentionally impaired himself/herself: Provided, That this shall not apply to the following cases:

(1) If the insured (person insured) has impaired himself/herself in a situation in which it is not possible for him/her to make a free decision due to mental disorder, etc., and if the insured (person insured) has harmed himself/herself in a situation in which it is impossible for him/her to make a free decision due to mental disorder, etc.,

(2) If a person commits suicide after the lapse of two years from the date of commencement of the contract security, the company's savings at the time of death, as stipulated in "written methods for calculating insurance premiums and liability reserves"