In the insurance sector, the behavior of terminating contracts early and filing claims may be influenced by a variety of factors. Although I do not have access to specific data sets for detailed analysis, based on industry knowledge, some common factors include: 1. **Economic conditions**: Financial difficulties may lead people to terminate insurance contracts to save money. In addition, financial pressure may increase the likelihood of claims, especially when financial compensation can bring immediate benefits. 2. **Insurance awareness and understanding**: People who lack understanding of insurance contract terms may be more inclined to file claims when they encounter difficulties, rather than focusing on long-term insurance benefits. 3. **Historical behavior**: People with a history of frequent claims behavior or insurance contract changes in the past may show similar future behavior patterns. 4. **Life changes**: For example, moving, changing jobs, or major life events (such as marriage or divorce) may lead to changes in insurance needs, thereby triggering contract termination. 5. **Contract terms**: People may terminate contracts early when the contract terms no longer meet personal needs, such as premium increases or insurance coverage is no longer applicable. 6. **Customer satisfaction**: Dissatisfaction with the insurance company's services or policies may lead to early termination of contracts. Each insurance company may have different models to predict which groups of people have a higher risk of early termination and claims. Typically, these models combine multiple data sources, such as personal history, socioeconomic factors, and contract-related information, to produce a comprehensive analysis.