All appeals filed by the defendant and prosecutor are dismissed.

1. As to each of the alleged unfair sentencing claims by both parties, the defendant's mistake is against himself/herself, and the defendant returned KRW 10 million to the victim C, and some damage was recovered by paying KRW 34 million with the victim's insurance premium, and the defendant did not have any record of punishment for the same kind of crime, and the defendant committed each of the instant fraud by using trust relationship with the victims as an insurance solicitor, and he/she forged the insurance policy certificate of an insurance company with a high public confidence to conceal this. The defendant has forged and uses the insurance policy certificate of the insurance company with a high public confidence. The crime is very poor; the crime is extremely poor; the amount of fraud exceeds 20 million won; most damage was not recovered; the defendant did not reach an agreement with the victims; the defendant did not look at any other unfavorable circumstances, such as the defendant's age, character and behavior, environment, circumstances, means and consequence of the crime, and the circumstances after the crime, etc.; the court below's sentencing conditions as stated in the records and arguments in this case, such as imprisonment, are adequate or unreasonable.

2. In conclusion, the appeal filed by the Defendant and the prosecutor is dismissed in accordance with Article 364(4) of the Criminal Procedure Act, since all of the appeal filed by the Defendant and the prosecutor are without merit.