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1. The plaintiff's claim is dismissed.
2. The costs of lawsuit shall be borne by the Plaintiff.
Reasons
1. Basic facts
A. 1) The Plaintiff entered into the instant insurance contract on December 4, 2015 between the Defendant and the beneficiary on December 4, 2015, the Plaintiff and the insured are the deceased B (hereinafter “the deceased”).
2) The term “insurance contract for non-dividend-surgical life” (hereinafter “instant insurance contract”)
According to the insurance contract of this case, if the deceased who is the insured dies, the defendant pays 50,000,000 won to the beneficiary of the insurance contract of this case. (2) The main text of Article 15 of the insurance clause of the insurance contract of this case provides, “If the contractor or the insured notifies the policyholder or the insured of important matters differently from the fact intentionally or by gross negligence notwithstanding Article 14 (Obligation to Notify before the contract), the company may terminate the contract or restrict the guarantee by the method separately determined by the company.”
3) At the time of the conclusion of the instant insurance contract, the Deceased responded to the following questions among the obligations to be notified in the insurance subscription form, and both the Deceased and the Plaintiff signed on the said insurance subscription form. In addition, the Deceased responded to the purport that “one-time illness per week” was mailed to ask questions about the frequency of drinking and the quantity of drinking once a week. In addition, within the last five years, the Deceased’s response was made to the effect that “one-time illness per week” was mailed. (1) 2) continuously performed the following medical practice through a medical examination or examination by a doctor during the latest five years, and 30 consecutive days (including the king), and 4). (b) On January 23, 2016, the Deceased’s death died at the Chungcheongnam-gun, Macheon-gun, Macheon-gun, a residential area, 06:00 on January 23, 2016, the Deceased’s death was described as “one-half-month prescription” in the “one-month hospital’s 1.”