1. The plaintiffs' claims against the defendant are all dismissed.

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

1. Basic facts

A. On January 2, 2015, the deceased F (hereinafter “the deceased”) entered into an insurance contract with the Defendant with respect to the name of the insurance product: Non-dividendd Family Loved Insurance, Securities Number: G, policyholder and insured: Legal heir, insurance period: From January 2, 2015 to January 2, 2071; and the amount of insurance coverage: 270,000,000 won for the death of injury (hereinafter “instant insurance contract”); the main contents of the instant insurance contract are as follows.

Article 5 (Reasons for Not Payment of Insurance Money) (1) The Company shall not pay the insurance money when any of the following events occurs.

1. The insured has intentionally impaired himself/herself: Provided, That I shall pay insurance proceeds when the insured has impaired himself/herself under the condition that he/she is unable to make a free decision due to mental disorder, etc.;

§ 25.(1) Company shall accept an offer of a contract and guarantee as provided for in this Clause from the time it receives the first installment after receiving an offer of a contract.

In addition, even if the company accepts the first insurance premium after receiving it with the subscription, the guarantee will begin from the time of the first insurance premium payment.

Where payment is made by automatic transfer or credit card, the time of provision of information necessary for automatic transfer application or credit card sales approval shall be the time of receiving the first insurance premium, and where automatic transfer or sales approval is impossible due to a reason attributable to the contractor, the insurance premium shall be deemed not to have been paid.

The starting date of guarantee: The date the contract is concluded and the first insurance premium is paid once as the date the company commences the guarantee, but it refers to the date the first insurance premium is paid where the company receives the first insurance premium in addition to the subscription even before the company accepts it.

In addition, the starting date of guarantee shall be the date of contract.

In this case.