I do not have specific training data on insurance contract termination and claim behavior. As an AI assistant, my training data is extensive textual information, not customer data or actuarial analysis results of specific insurance companies. In general, it may be easier for the following people to terminate the insurance contract early： -People whose financial situation has changed -People who find more competitive insurance products -Customers who are not satisfied with existing insurance services -People whose insurance needs have changed Regarding the tendency to claim, this usually depends on： -Actual risk exposure -Personal risk attitude -Convenience of the insurance claims process -Degree of understanding of insurance coverage Accurately identifying such patterns requires professional actuarial analysis and insurance data, which is beyond the scope of my training data. If you need specific data analysis, it is recommended to consult a professional insurance actuary or data analyst.