Early termination and claims settlement of insurance contracts are often the result of the interaction of multiple factors and cannot be simply attributed to a single population characteristic. However, based on some empirical studies, data statistics and risk models in the insurance field, we can observe that certain factors are associated with higher early termination or claim rates, but these conclusions are often limited and context-dependent and cannot be simply generalized to all products or all regions. The following are some factors often mentioned in some studies for reference: 1. Health status and past medical history: • People with more serious chronic diseases, more past medical histories or unstable recent health conditions may have higher claims needs; • In some health insurances, some people may tend to use insurance resources earlier when faced with high medical expenses, resulting in a higher claim frequency. 2. Risky behaviors and lifestyles: • Individuals with higher risk behaviors (such as smoking, excessive drinking, lack of exercise or frequent high-risk activities) may be more likely to make insurance claims due to their greater health risks; • Some data models show that compared with people with lower health risks, such customers may have a higher probability of related accidents or diseases during the contract period, thereby increasing the possibility of claims. 3. Economic conditions and financial pressure: • People with greater economic pressure or unstable income may be more inclined to cancel their insurance early due to lack of funds or re-evaluation of cost-benefit, especially when they feel that the cost they have invested in the insurance contract does not match the actual protection they have received; • In addition, sometimes economic pressure may also prompt some customers to file claims more actively when they encounter claims opportunities. 4. Customer demand and product fit: • Customers who do not understand the product well or do not fully realize the benefits of holding an insurance contract for a long time when purchasing may choose to cancel their insurance because they do not see obvious benefits in the short term; • In some cases, there may be "adverse selection" when customers choose products, that is, those who expect higher risks in the future are more enthusiastic about insurance protection and thus file claims earlier when health problems arise. It should be emphasized that: • The above trends are based on statistical association analysis, not causal relationship; • Customer behavior patterns of different insurance products (such as life insurance, health insurance, property insurance) may vary greatly; • Regional differences, cultural background, insurance contract design and regulatory requirements will also have a significant impact on these behaviors. In short, although some studies and data analysis show that some people's health status, risk behavior and economic status are associated with a higher frequency of early cancellation or claims, in actual operations, insurance companies usually consider multiple factors and try to balance this issue through refined pricing and risk management. For consumers, the specific risks and needs of different groups are also different, so they should fully understand their own situation and product terms when choosing and managing insurance.