According to existing research and industry data, certain groups of people may have a higher tendency to terminate insurance contracts early and file claims. Here are some factors that may affect this behavior: 1. **Age and life cycle stage**: - **Young groups**: Young policyholders may be more inclined to terminate insurance contracts early due to financial pressure, lifestyle changes, or lack of understanding of insurance products. - **Mid-life transition period**: When life cycle events such as marriage, children's education, and career changes occur, insurance needs may change, leading to contract termination or adjustment. 2. **Economic status**: - **Groups with unstable income or high financial pressure**: When individuals or families face financial difficulties, they may prioritize cutting non-essential expenses, including insurance premiums, and thus terminate contracts early. - **High-debt groups**: High debt may make it difficult to maintain certain insurance contracts, increasing the possibility of early termination. 3. **Occupation and occupational risks**: - **High-risk occupations**: The high risks brought by certain occupations may lead to higher claim rates, and insurance companies may pay more attention to the contract termination and claim behavior of such groups. - **Freelancers and self-employed people**: The income of such groups fluctuates greatly, and they may adjust their insurance needs more frequently. 4. **Health status**: - **People with pre-existing medical conditions or health problems**: Poor health status may prompt policyholders to file claims more frequently and may also consider adjusting insurance arrangements due to increased medical expenses. - **High-risk lifestyle**: Smoking, excessive drinking or other high-risk behaviors may increase the claim rate and affect the continuity of insurance contracts. 5. **Insurance knowledge and understanding**: - **Groups with low insurance awareness**: Insufficient understanding of insurance products may lead to dissatisfaction with contract terms and choose to terminate early. - **Lack of financial literacy**: Lack of understanding of the relationship between insurance and financial planning may lead to unreasonable insurance decisions, such as premature contract termination. 6. **Customer satisfaction and service experience**: - **Dissatisfaction with the insurance company's service**: Poor customer service quality, complicated claims process or poor communication may prompt policyholders to choose to terminate the contract. - **Product complexity**: Complex insurance product terms and lack of transparency may cause customer confusion, thus affecting the continuity of the contract. 7. **Life events and major changes**: - **Major life events such as divorce, bereavement, and unemployment**: These events may lead to a reassessment of insurance needs, which in turn affects the continuity of the contract and claim behavior. It is important to note that the behavior of terminating insurance contracts early and filing claims is usually the result of a combination of factors, and there are large individual differences. Insurance companies usually identify these trends through data analysis and risk assessment, but in actual operations, they must also respect individual privacy and legal rights. If you have questions about specific insurance products or personal circumstances, it is recommended that you consult a professional insurance advisor or financial expert for tailored advice.