1. The Defendant’s respective 100 million won to the Plaintiffs and 5% per annum from April 1, 2018 to April 23, 2018, respectively.

1. The following facts are acknowledged in full view of the overall purport of the arguments in the evidence No. 1, No. 3-1, No. 4-3, and No. 3 as evidence No. 1, No. 3-4, and No. 3.

A. On December 10, 2015, E entered into a contract with the Defendant and the insured, from December 10, 2015 to December 10, 206, with the insurance period, from December 10, 2015 to December 10, 206, with the insurance premium of KRW 40,000 per month, with the insurance premium of KRW 40,00 per month, the insurance premium of KRW 100,000 at the time of death, and the beneficiary of death insurance premium of KRW 10,00,000.

B. On January 4, 2017, E concluded a “H” contract with the Defendant and the F as the insured on January 4, 2017, with the period of insurance from the foregoing date to the age of 100, insurance premium of KRW 75,00 per month, insurance premium of KRW 75,00 per month, insurance premium of KRW 20,00 per month at the time of death, and the beneficiary of death insurance premium of KRW 200,00

C. Around 09:00 on February 4, 2018, F was found to have been dead in the shape that the upper body was honded and sited in the future at the housing Macheon-si located in one’s own residence.

(hereinafter referred to as “instant accident”) d. the circumstances discovered after the death of F.

The plaintiffs, who are children as the net F's property heir, are children.

2. The parties' assertion and judgment

가. 청구원사실의 인정 원고들은 이 사건 청구원인으로, 망인은 이 사건 사고 전날 술을 많이 마시고 귀가하여 만취상태에서 주택 마당에서 넘어지는 바람에 완전히 일어나지 못하고 쓰러져 있다가 추위로 인하여 저체온증(低體溫症)으로 사망에 이른 것이고, 이는 위 각 보험계약상 상해사망에 해당한다고 주장하며, 피고에게 위 각 보험계약에 따른 상해사망보험금 합계 3억원의 지급을 구하고 있고, 이에 반하여 피고는 망인의 사망이 급격하고 우연한 외래의 상해사고로 인한 것이라는 점에 대한 증명이 부족하다며 원고들의 위...