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(영문) 서울중앙지방법원 2014.07.08 2013가합547118
보험금
Text

1. All of the plaintiffs' claims are dismissed.

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

Reasons

1. Basic facts

A. The plaintiffs are the co-borns of C (hereinafter “the deceased”), and D and E are the children of the deceased.

The defendant is an insurance company.

B. 1) On August 21, 2007, the Deceased’s Insurance Contract (hereinafter “instant Insurance Contract”) concluded with the Defendant on August 21, 2007, and where the Deceased’s condition or death was a disability, the Deceased’s Insurance Contract of Undividendd Type 1 (net Type) as an insured event.

The main contents are as follows. ① From August 21, 2007 to August 21, 2027, the contractor and the insured were as follows. ① From August 21, 2007 to August 21, 2027, the person receiving the insurance proceeds: the deceased, the death insurance proceeds D, and E: Insurance proceeds: KRW 3,000,000,000,000,000,000,000 won with a 158,400,000 won with a 15-year maturity agreement, and KRW 200,000,000,000 won with a 158,40,000 won with a 150,000 won with a 158,00 won with a 158,400,000 won with a 50% rate for each payment).

C. On March 1, 2010, the instant insurance contract was invalidated on March 1, 201, and Plaintiff B paid overdue premiums and interest and restored the said insurance contract on March 22, 201.

In June 14, 2013, the Deceased’s suicide and the Deceased’s Claim for Insurance Proceeds committed suicide by cutting away the clothes from his house to his clothes.

On June 19, 2013, the Plaintiffs claimed to the Defendant for the payment of KRW 500 million of the death benefit under the instant insurance contract.

E. The terms and conditions of the instant insurance contract, such as the terms and conditions of the instant insurance contract, are as follows, even if the insured commits suicide after two years have elapsed since the conclusion or restoration of the insurance contract, the death insurance money shall be paid.

The Deceased died after two years and three months passed since the instant insurance contract was restored.

Article 17 (Insurance Accidents) (1) A company (Defendant) shall have any of the following cases:

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