People who terminate insurance contracts early and file claims usually have the following characteristics: 1. **Economic pressure**: People who face financial difficulties or lose their jobs may be more inclined to terminate insurance contracts to save money. 2. **Lack of insurance knowledge**: People who do not understand insurance terms and protections well may choose to claim when an accident occurs, but they do not understand the insurance liability or renewal conditions well enough, thus terminating the contract early. 3. **Young people**: Young consumers may be more likely to terminate insurance midway due to lack of sufficient insurance awareness or changes in lifestyle (such as relocation, job change, etc.). 4. **People who have experienced accidents or health problems**: People who have experienced accidents or health problems may choose to file claims early because they hope to get financial compensation. 5. **Short-term insurance product buyers**: People who buy short-term insurance products usually do not renew their insurance after the coverage period, thus terminating the contract early. 6. **Comparison of policy beneficiaries**: Some consumers may find other more attractive methods or insurance products through comparison, so they choose to terminate the existing contract and file a claim. 7. Emotion-driven: When faced with emergencies (such as natural disasters, family problems, etc.), people who are in a state of emergency and anxiety may be more inclined to file claims. Each individual's situation is different, and the above characteristics do not apply to everyone, but are general trends. Insurance companies usually understand the characteristics of the target customer group through risk assessment, customer surveys, etc., in order to develop more reasonable products and services.