1. The Plaintiff’s obligation to refund insurance premiums relating to each insurance contract listed in the separate sheet against the Defendant does not exist.

1. Basic facts

A. The Plaintiff is a corporation that runs an insurance business, asset management, financial investment business, etc., and the Defendant is a policyholder who has concluded each insurance contract listed in the separate sheet with the Plaintiff.

B. The term “each insurance contract of this case” in its entirety (hereinafter referred to as “each insurance contract of this case”) was entered into on January 28, 2014, and according to the order of entry, each insurance contract was entered into with the Defendant as “each of the insurance contracts of this case,” and the Defendant concluded each of the insurance contracts on February 14, 2014 (hereinafter referred to as “instant Nos. 1, 2, 3, 4, 5, 6, 7, and 8 insurance contracts”). On January 28, 2014, the Defendant entered into an insurance contract with the Plaintiff on January 28, 2014: the statutory inheritor at the time of death of the Plaintiff and the beneficiary, the insured amount of KRW 148,260,000 per month’s insurance premium, KRW 60,000 per month’s monthly insurance premium, KRW 200,000 per month’s insurance premium, KRW 300,010,0000 insurance premium per year.

3) On February 14, 2014, the Defendant entered into an insurance contract with the Plaintiff and the beneficiary on February 14, 2014, the Defendant: (a) on February 28, 2014; (b) the legal heir at the time of death; (c) KRW 80,00,000; (d) monthly insurance premium of KRW 70,550; (b) the insurance period (p) the insured (p) and paid KRW 70,550,00,00,00,000; (c) the insurance premium of KRW 80,550; and (d) the insurance premium of the non-dividend social cancer insurance (1304); and (d) the Defendant paid KRW 70,550,00,00 on February 28, 2014; (c) the Defendant’s heir at the time of death; (d) the insurance premium of KRW 145,00,000; (c) the weekly insurance period;