1. The plaintiffs' claims are dismissed.

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

. Payment. Article 13(Insurance Accidents for which no Insurance Money is paid) ① The Company may terminate this contract at the same time as it does not pay insurance money or exempt the premium when the cause for the payment of insurance money occurs in any of the following cases:

1. Where the insured intentionally damages himself/herself, but this shall not apply to cases where the insured has impaired himself/herself from a state of mental illness, and where he/she has committed suicide or has injured himself/herself after two years from the date of commencement of liability, thereby becoming a state of disability of Grade I;

[Attachment 2] A disaster listed in the disaster classification table refers to an accident resulting from a contingency (Provided, That where a person who has a disease or a physical and mental factor suffers from a minor external factor or has aggravated symptoms, such minor external factor shall not be deemed a contingency accident) which is classified as follows:

* This Classification is based on the Korean Standard Disease Death Classification (Enforcement Date of Statistics Korea Notice No. 1993-3, January 1, 1995), “exploitation of diseases and persons out of death” [main contents of the Guarantee Terms and Conditions of the Second Insurance Contract] Article 12 (Grounds for Payment of Insurance Money) 12 (Grounds for Payment of Insurance Money) 1 The Company shall pay the beneficiary the insurance money agreed upon when the insured falls under any of the following cases:

2. When the prime insured dies or becomes a state of disability of Grade I due to a disaster (hereinafter referred to as "disaster") prescribed in attached Table 2 (Disaster Classification Table) and cancer during the insurance period: Payment of the general death insurance money (5,00,000 won).

3. When a prime insured person dies or becomes disabled in the first degree due to a disaster that occurred on holidays under Article 11 (Definition of "Holidays" and "days") during the insurance period: Payment of the insurance money for death on holidays and accidents (40,000,000).

4. The principal insured during the period of insurance.