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1. The plaintiffs' claims are dismissed.
2. The costs of lawsuit are assessed against the plaintiffs.
Reasons
1. Basic facts
A. The plaintiffs are the husband and children of the network D. On August 20, 2004, D entered into an insurance contract for non-distribution life insurance (non-distribution Samsung C&T, non-distribution universal life insurance) (hereinafter "the instant main contract"), which is the main contract for the life of the insurance period, between the defendant and the defendant on August 20, 2004, as the beneficiary of the insurance, and as the plaintiffs, the beneficiary of the insurance, as the legal inheritor, and as the main contract for the life of the insurance period, the non-distribution universal life insurance (hereinafter "the instant main contract"), and entered into a special agreement for non-distribution disaster death (hereinafter "the instant non-distribution special agreement"), and the insurance amount under the instant special agreement is KRW 50,000,000, non-distribution Samsung C&T insurance and KRW 60,000,000.
B. Among the terms and conditions of the instant prime contract and special agreement, the relevant major contents of the instant contract are as follows.
[Standard Contract Terms and Conditions of this case] Article 21 (Types and Grounds for Payment of Insurance Money) of the Insurance without Distribution, if any of the following events occurs to the insured, the Insurance Money agreed upon to the beneficiary (see attached Table 1 "the Standard Table for Payment of Insurance Money") shall be paid to the beneficiary:
1. When the insured dies during the insurance period or becomes a disability of Grade I in the table of disability classification: The insurance proceeds of Class I disability of Article 23 (In any of the following cases, the company shall be entitled to terminate this contract at the same time as not paying insurance proceeds or not exempting the payment of insurance premiums if any cause for paying insurance proceeds occurs due to any of the following cases: