1. All of the plaintiffs' claims are dismissed.

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

1. Basic facts

A. D (1973) concluded an insurance contract with the Defendant on August 21, 2001 (hereinafter “instant insurance contract”).

(1) The name of goods: Undividend/f new insurance contract. (2) The insured: D (3) the beneficiary: D (in the event of hospitalization or disability), his heir (in the event of death), (4) the coverage and insurance proceeds: KRW 100,000,000 under the main contract (in the event of a death or a first-class accident), and KRW 100,000,000 under the special agreement for death of a disaster (in the event that the insured becomes a death or a disability of class 1): The insurance period: the life of the main contract, the special agreement for death of a disaster.

B. Article 15(1) of the Terms and Conditions of the instant insurance contract (hereinafter “instant main contract”) provides that “The Company may terminate the contract simultaneously with the failure to pay insurance money or exemption from the payment of insurance premium if any cause for the payment of insurance money has occurred due to any of the following cases” (Article 15(1)1 provides that “I shall not intentionally impair himself/herself. However, this provision shall not apply where the insured intentionally injures himself/herself in the state of mental illness and where he/she commits suicide after the lapse of two years from the date of the commencement of the contract’s liability or damages himself/herself.”

On the other hand, Article 13(1) of the Terms and Conditions (Evidence 2) of the Special Agreement for Accident-Free Death (hereinafter “the Special Agreement”) added to the Special Agreement for the State of this case provides that “The Company may terminate this Agreement at the same time as it does not cover insurance money if the insured dies or is in a state of disability of class 1 in either of the following cases:

C. D around August 8, 2014, at around 18:53, contact was interrupted, and around 22:44 August 12, 2014.