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1. All of the plaintiffs' claims are dismissed.
2. The costs of lawsuit are assessed against the plaintiffs.
Reasons
1. Basic facts
A. The Plaintiffs are the deceased’s inheritors with the deceased’s children.
B. On June 29, 2016, LSMNN Co., Ltd. concluded an accident insurance contract with the Defendant, whereby the deceased, who is an employee of the said company, is the insured, and the insurance period from July 1, 2016 to July 1, 2017, with the beneficiary of the insurance money as a statutory heir, and entered into a big accident insurance contract with the content that the Defendant pays KRW 100 million to the insured’s death (hereinafter “instant insurance contract”). The main contents of the insurance contract are as follows.
Article 5 (Grounds for Not Payment of Insurance Money) (1) A company shall not pay insurance money when any of the following causes for the payment of insurance money 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.;
C. 1) The Deceased’s death was married with C, but (the Plaintiff is the deceased and C’s children.
(2) From the beginning of 2016, the Deceased, who was divorced from around 2014, was living together with the Plaintiffs. (3) From September 13, 2016, the Deceased, who was a child of the Deceased, was at the end of September 13, 2016, and was at the end of September 2016.
3) At around 12:40 on September 18, 2016, the Deceased called “I am me off with her mother, her mother, her mother, and her mother. I am me off with the phone. I am me off. I am me off, I am me off with the end of the lower end.” 4) From September 18, 2016 to around 13:40, the Deceased was deprived of the concrete ground as follows: (a) the Deceased was deprived of the concrete ground by using the Ha, Dong 102 Dong 1506, 1506, a residential area, at the time of Si-Eup, Dong 12:40 on September 18, 2016.
5 G reported to 119 on September 18, 2016, around 13:06, around 13:06, to the effect that “A child attempts to commit suicide,” and the police officers and fire officers were dispatched to the above residence on the same day on around 13:13 of the same day.
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