1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

1. Basic facts

A. B concluded an insurance contract between the Defendant and B on October 19, 201, B is a comprehensive insurance contract between the Defendant and the insurer between the Defendant and the Defendant on October 19, 201 (hereinafter “instant insurance contract”).

B. Insureds: The content of the guarantee of statutory inheritors: the insurance period of KRW 100 million from October 19, 201 to October 19, 2081) the main contents of the terms and conditions relating to the guarantee of death or injury among the instant insurance contracts are as follows.

[Bodily Injury Death Guarantee Clause] Article 1 (Types and Grounds for Payment of Insurance Money) ① Where the insured (person subject to insurance) dies as a result of the direct result of the injury during the insurance period of this Special Clause, the following amount shall be paid as insurance money to the beneficiary (person who receives the insurance money).

(3) In the event that the term "injury" is dead due to an injury to the type of insurance proceeds, the term "special agreement", and "the term of insurance of this special agreement", the term "the amount of insurance coverage of this special agreement" means injury suffered by the body (including physical assistance equipment, such as artificial organs, artificial organs, arms, bills, and dental items, but excluding bodily assistance equipment, such as artificial organs, artificial organs or parts, and on behalf of the function thereof) due to a sudden and incidental accident that occurred during the insurance period.

Article 3 (Reasons for Not Payment of Insurance Money) The reason for not Payment of Insurance Money under this Special Agreement is at the risk of complying with Article 18 (Reasons for Not Payment of Insurance Money) of the General Terms and Conditions.

[Ordinary Terms and Conditions] Article 18 (Reasons for Not Payment of Insurance Money) (1) Company shall not pay Insurance Money when any of the following events occurs to cause the payment of Insurance Money:

1. The insured person's intention: Provided, That when the insured person has damaged himself/herself while he/she is unable to make a free decision due to mental disorder, etc., the insurance money shall be paid;