1. The plaintiff's appeal is dismissed.

2. The costs of appeal shall be borne by the Plaintiff.

Purport of claim and appeal

The first instance court.

1. The Plaintiff’s assertion was unilaterally terminated the insurance contract with the Plaintiff in the Cheongju District Court case No. 2008Kaju District Court case No. 2008Gau18786, and the Plaintiff submitted a false terms and conditions by amending the terms and conditions, and the Defendant is obligated to return the insurance premium to the Plaintiff with respect to the remaining three insurance contracts (the insurance certificate number C, D, E, and hereinafter “each insurance contract of this case”) in a state of invalidation and pay penalty for breach of the terms

2. On the other hand, the defendant's claim for the cancellation refund for each of the insurance contracts of this case where the plaintiff is in the effective condition is separate from the defendant's claim for the cancellation refund for each of the insurance contracts of this case where the plaintiff is in the effective condition, and the reason alleged by the plaintiff does not constitute a reason for the defendant to return the insurance premium to the plaintiff, and there is no evidence that the defendant unilaterally terminated and handled the insurance contract with the plaintiff,

3. In conclusion, the plaintiff's claim of this case is dismissed as it is without merit. The judgment of the court of first instance is just in conclusion, and the plaintiff's appeal is dismissed as it is without merit. It is so decided as per Disposition.