1. All of the plaintiffs' claims are dismissed.

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

1. Basic facts

A. The plaintiffs are the parents of the non-party deceased C (hereinafter “the deceased”), and the defendant is the insurer who entered into an insurance contract with the deceased.

B. From June 18, 2013 to May 13, 2015, the Deceased concluded an insurance contract with the Defendant as the insured as indicated below.

When the insured dies during the cover period of KRW 51 million from June 18, 2013 to June 18, 2013, the insured’s monthly insurance premium paid in the cover period of the beneficiary of the insurance contract (hereinafter “instant insurance contract”) and KRW 35 million from June 18, 2013 to November 17, 2014; KRW 101,490 to KRW 35 million from June 18, 2013 to the death of the heir (type 2 insurance contract); KRW 25 million from November 17, 2014 to KRW 35 million (type 2 insurance contract); KRW 105,00 to KRW 205,00 to KRW 205,00 (type 2 insurance contract); KRW 205,000 to KRW 36,500 to KRW 105,000 (type 36,500,000).

C. (1) The insurer’s exemption clause of each of the insurance contracts of this case provides that “When the insured intentionally damages himself/herself (if the insured has damaged himself/herself under a condition that he/she is unable to make a free decision due to a defect, etc., he/she shall be paid insurance money)” as the insurer’s exemption.

(2) The grounds for exemption from the insurance terms of the instant insurance contract are as follows.

Article 20 (Insurance Accidents for which Insurance Money is not Paid)