1. Of the judgment of the court of first instance, the part against the Plaintiff is revoked.

1. Basic facts

A. 1) B entered into an insurance contract on October 12, 201, between the counterclaim Defendant and the counterclaim Defendant, as described in paragraph (1) of the attached Table No. 1, and the non-dividend M-Dr 1106 (hereinafter “instant No. 1 insurance”).

(2) On April 7, 2014, the Counterclaim entered into a contract with the Counterclaim Defendant on April 7, 2014 (hereinafter “instant 2 insurance”) and entered into a non-dividend Alphus Guarantee Insurance 1404 (hereinafter “instant 2 insurance”). The instant 1 and 2 insurance together with the instant 1 and 2 insurance.

B. The Insurance Terms and Conditions [Ordinary Terms and Conditions] Article 17 (Types and Grounds for Payment of Insurance Money) Company shall pay the insured (beneficiary) the insurance money agreed upon to the beneficiary (beneficiary) if any of the following events occurs:

(1) Injury during the insurance period (excluding physical assistive equipment, such as artificial organs, artificial arms, artificial limbs, and artificial arms, but including bodily transplantation of a body, such as artificial organs or parts, which takes place during the insurance period, in lieu of its function, due to an accident that may result in a sudden and incidental outpatients during the insurance period.

) If he/she has suffered an injury, hereinafter referred to as "Bodily Injury" and died as a direct result (other than death due to a disease), he/she shall pay the beneficiary (person receiving the insurance) the full amount of the insurance coverage as the death insurance.

(2) If the rate of disability payment prescribed in attached Table 1 (Disability Classification Table) is at least 80% during the insurance period, the beneficiary of the insurance (person who receives the insurance money) shall be paid the full amount of the insurance money for advanced disability insurance.

(3) If the rate of disability payment prescribed in attached Table 1 (Disability Classification) is less than 80% during the insurance period, the payment rate prescribed in attached Table 1 (Disability Classification) shall be the amount of insurance coverage for the beneficiary (person receiving the insurance proceeds).