According to common patterns in the insurance industry and general trends in training data, the following groups of people may be more inclined to terminate insurance contracts early and file claims, but the specific circumstances will vary depending on the type of insurance, region, cultural background and company policies.： --- ### **1. People with high-risk occupations or lifestyles** -**High-risk occupations** (such as construction workers, miners, firefighters): Due to the high risk of the working environment, the payment conditions for accident insurance or health insurance may be triggered earlier. -**Adventure enthusiasts** (such as extreme sports enthusiasts): A high probability of accidents may lead to early claims and termination of the policy. -**Frequent long-distance drivers**: There is a higher risk of auto insurance claims and may withdraw from the contract due to accidents or maintenance costs. --- ### **2. People with changing health conditions** - **Those who have existing health problems but have not been truthfully informed**: They may claim for deterioration of their condition (such as life insurance or critical illness insurance) within a short period of time after applying for insurance, and then be found by the insurance company to withhold information and terminate the contract. -**Patients with sudden and major illnesses**: Other policies (such as savings insurance) may be terminated early due to urgent medical expenses to obtain cash value, and health insurance compensation may be applied for at the same time. --- ### **3. People with unstable economic conditions** -**Policyholders under high financial pressure**: They may actively terminate the contract due to their inability to renew the contract, or seek compensation in times of economic crisis (such as mortgage insurance). -**Speculative policyholders**: Deliberately create accidents (fraud risks) after purchasing short-term high-insured policies, such as fraudulent insurance in auto insurance. --- ### **4. Customers who are dissatisfied or have misunderstood the terms of the policy** -**Those who do not fully understand the scope of protection**: The contract may be terminated and a disputed claim may be filed after the policy is found to not meet expectations (such as the exemption clause). - **Those who are sensitive to premium increases**: If the premium rises significantly when renewing the insurance, they may choose to terminate and turn to other companies, and may claim for past problems. --- ### **5. Specific demographic characteristics** -**Young single people**: With high mobility (such as changing jobs or moving), the policy may be terminated early; at the same time, auto insurance claims may be caused by risky behaviors (such as aggressive driving). -**Elderly group**: The probability of claims for health insurance or life insurance increases with age, and long-term care insurance may be withdrawn due to health problems and claims may be made. --- ### **6. Policyholders living in high-risk areas** - **Residents of areas with frequent natural disasters**: For example, real estate insurance policyholders in flood and earthquake areas may claim after the disaster and terminate the contract due to rising premiums or refusal of insurance. -**Owners of vehicles in areas with high crime rates**: There is a higher risk of car insurance being stolen or damaged, and they may choose to terminate due to excessive premiums after making a claim. --- ### **7. Customers with historical claims records** -**Multiple claimants**: Insurance companies may increase their premiums or restrict protection, prompting customers to actively terminate the contract; at the same time, such groups of people themselves are more likely to be in danger. --- ### **8. Short-term or flexible policyholders** -**Customers who purchase short-term insurance**: Such as travel insurance or temporary health insurance, claims may be claimed due to emergencies during the policy period and terminate naturally. -**Flexible payment type policy users**: In times of economic fluctuations, premiums may be suspended first, resulting in claims before the termination of the contract. --- ###**Advice to insurance companies** 1. **Strengthen risk assessment during the underwriting phase**: screen high-risk customers through health questionnaires, occupational surveys, and historical data. 2. **Improve the transparency of the terms**: Reduce disputes and early termination due to misunderstandings. 3. **Dynamic pricing model**: Adjust premiums based on regional risks and personal behaviors (such as on-board Telematics data). 4. **Fraud monitoring**: Identify abnormal claim patterns (such as centralized claims for multiple policies in a short period of time). --- **Note**: The above conclusions are based on general data laws. In actual scenarios, it is necessary to combine specific insurance types (such as auto insurance, health insurance, and life insurance) and localized data for verification.