The plaintiff's claim is dismissed.

Litigation costs shall be borne by the plaintiff.

1. Facts of recognition;

A. On January 3, 2001, C entered into an insurance contract with the Defendant with the following major contents (hereinafter “instant insurance contract”). By January 20, 201, C paid the insurance premium under the instant insurance contract to the Defendant by January 20, 2019.

(1) Insurance types: D insurance [the main contract of this case (hereinafter referred to as “instant main contract”)]

) and the special agreement for non-distribution of dividends (hereinafter referred to as “instant special agreement”)

(2) (2) The insured concurrently consisting of a special contract such as a special contract. (3) The death insurance amount: KRW 100 million under the principal contract of this case where the insured dies, and KRW 100 million insurance amount under the special contract of this case where the insured dies due to a disaster: the cover period of KRW 100 million: life insurance amount under the special contract of this case; KRW 40 (5) the principal contract of this case where the special contract of this case is life; KRW 189,250 per month in total, including the principal contract of this case and the special contract of this case, and KRW 25 years for the payment period.

B. Of the instant insurance contracts, the main contents of the D insurance terms applicable to the instant main contract are as follows.

Article 8 (First Insurance Contribution and the Effective Date of Liability of the Company) ① The defendant is the company. It is responsible from the date when the subscription for the contract is accepted and the first insurance premium is received (in the case of subscription for automatic transfer, the date when the first insurance premium is paid by automatic transfer, in the case of subscription for automatic transfer, the date when the first insurance premium is paid by automatic transfer, in the case of subscription for credit card payment, the date when the first insurance premium is approved by the credit card company, in the case

(c) Article 13 (Types and Grounds for Payment of Insurance Money) The Company is bound to pay the insurance money agreed upon to any of the following to any of the following persons or exempt any of the following persons from the payment of insurance premiums:

2. Where he/she dies during the insurance period: The total amount of the insurance coverage covered by the contract for death is not paid.