1. All of the plaintiffs' claims are dismissed.

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

1. Basic facts

A. The plaintiff A’s wife of the non-party deceased C (hereinafter “the deceased”), and the plaintiff B’s children.

B. On April 28, 1993, the Deceased and the Main Insured entered into an insurance contract on April 28, 2029 with the Deceased, the due date, and on April 28, 2029, with the beneficiary’s heir at the time of death (hereinafter “instant insurance contract”). The main contents are as follows.

1. General death insurance money (20,000,000): the death or the first disability of the principal insured due to reasons other than a disaster; 2) the death insurance money for the first disability of the principal insured (60,000,000): the death or the first disability of the principal insured directly due to a disaster;

C. The main contents of the instant insurance contract are as follows.

Article 7 (Grounds for Payment of Insurance Money) (1) The Company shall pay the insured money agreed upon to the beneficiary when any of the following causes occurs to the insured:

2. When the principal insured has died during the insurance period due to a cause other than disasters prescribed in attached Table 2 (Disaster Classification Table) (hereinafter referred to as "disaster"), or when he/she becomes a state of disability of class I in the disability classification table: Payment of death insurance money or disability insurance money of class I;

3. When the primary insured dies due to a disaster during the insurance period or when the state of disability of class I in the disability classification table: Article 9 (Insurance Accidents for which no insurance money is paid) (1) The company may terminate this contract at the same time as not paying insurance money or exempting it from the payment of insurance money if the insured dies or is disabled or becomes disabled of class I in the disability classification table in either of the following cases:

1. The insured has intentionally impaired himself/herself, but two years have passed after the date of commencement of his/her liability, where he/she has impaired himself/herself with mental illness;