1. The plaintiffs' claims are dismissed.

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

1. Basic facts

A. Plaintiff A is the deceased Nonparty D’s spouse, and Plaintiff B, C, and Plaintiff A’s children.

B. On September 2, 2003, D concluded the instant accident death agreement with the Defendant, including the standard type of insurance period, type of insurance period, securities number E, policyholder and insured D, and the main insurance contract with the beneficiary as the beneficiary’s heir, as well as the non-payment-scheduled special agreement 1, non-payment-scheduled special agreement 2, non-payment-scheduled special agreement 2, and non-payment-scheduled special agreement (hereinafter referred to as the “instant insurance contract,” and the “instant special agreement for non-payment-free dividends death”). The instant accident death agreement guaranteed that KRW 20,000,000 should be paid as insurance money when the insured died during the insurance period.

Article 10 (Types and Grounds for Payment of Insurance Money) (1) If an insured person of a special agreement dies directly due to a disaster prescribed in the Disaster Classification Table (see attached Table 2) during the insurance period of such special agreement, or becomes a state of disability of Grade I in the disability classification table (see attached Table 2), the company shall pay the beneficiary the insurance money agreed on in the Insurance Money Payment Table (see attached Table 1).

Article 12 (Insurance Accidents for which No Insurance Money is Paid) (1) A company may terminate this Special Agreement at the same time as the insurance money is not covered if any cause for the payment of insurance money occurs due to any of the following cases:

1. Where the insured has intentionally impaired himself/herself, but this shall not apply where the insured has impaired himself/herself from a state of mental illness and where he/she has committed suicide after two years from the date of commencement of liability under a special contract (in cases of a subact contract, the date of restoration subscription), or has become a state of disability of Grade I in the disability classification table;

The insured of a disaster or death insurance money (Article 10(1)) due to the classification of the standard table for the payment of insurance money under the attached Table 1 shall occur during the insurance period of this special agreement.