1. The insurance contract entered in the Appendix 1 List concluded between the Plaintiff and the Defendant is invalid.

2. The defendant.

Facts of recognition

A. On January 24, 2008, the Plaintiff concluded an insurance contract with the Defendant and the insured as the Defendant listed in the attached Table 1 list (hereinafter “instant insurance contract”).

B. From May 20, 2008 to June 10, 2008, the Defendant was hospitalized in B Hospital for 22 days, and was hospitalized for 1,260 days in total from around that time to January 21, 2015, as shown in the attached Table 2 from around that time to around January 21, 2015. The Defendant received insurance proceeds totaling KRW 72,195,827 according to the insurance contract of this case from the Plaintiff.

C. Six insurance contracts, including the instant insurance contract, where the insured is the Defendant were concluded from September 5, 2007 to February 14, 2008 as listed below.

The sum of the insurance premiums to be paid by the defendant each month under the above insurance contracts is KRW 541,072.

(592,597 won before January 4, 2011) The Defendant received insurance proceeds of KRW 279,840,400 in total from insurance companies, including the Plaintiff.

On September 5, 2007, Defendant 24, 201, 240, 360, 360, 360, 360, 360, 40, 405, 207, 405, 207, 40, 360, 360, 360, 360, 360, 40, 405, 207, 40, 100, 100, 40, 100, 205, 205, 10, 205, 10, 205, 100, 205, 100, 104, 100, 294, 129, 8284, 205, 205, 207, 205, 204, 207, 3605, 207, 2745,27, 284, 207,

D. On March 27, 2010, the Defendant received a loan of KRW 2,843,170 from the Plaintiff based on the instant insurance contract. On November 19, 2015, the principal and interest of an insurance loan, including interest in arrears as of November 19, 2015, is KRW 2,993,340.