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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. Plaintiff A is the deceased E (hereinafter “the deceased”), and Plaintiff B and C are the deceased’s children.
B. On July 8, 2015, Plaintiff A concluded a G contract (hereinafter “instant insurance contract”) with the deceased and the beneficiary as the legal heir of the deceased through the Defendant and the insurance solicitor F. The Defendant would pay KRW 300,000,000 to the beneficiary when the insured died within 20 years from the date of the contract.
The following matters (1-12) may be refused to purchase insurance if the following matters (1-12) are not true or false, and in particular, if the content constitutes "material matters", the contract may be terminated or guaranteed pursuant to the "the effect of breach of duty to notify before the contract" clause regardless of the will of the policyholder or the insured.
"Important matters" means matters that affect the acceptance of a contract, such as refusing to make an application for an insurance contract if the company becomes aware of such fact, or refusing to limit the amount of insurance coverage, excluding partial guarantees, reducing insurance proceeds, and acquiring premiums on a conditional basis, such as insurance premium increase.
C. Of the written subscription for the instant insurance contract, the phrase “the obligation to inform the contract before” is indicated as follows:
As above, there is a clause stating that the term “the obligation to inform before the contract” is “ what you have a job?” among the questions, and the answer is indicated as the construction supervision supervision of the building company.
마. 망인은 2015. 9. 9. 공사현장에서 형틀목수로서 형틀을 떼어내는 작업을 하던 중 튕겨져 나온 형틀에 부딪혀 4미터 아래로 추락하였고, 같은 날 그로 인하여 사망하였다
(B) On November 3, 2015, the Defendant violated the duty of disclosure as to the deceased’s occupation.