According to research and data analysis in the insurance industry, the following groups may be more inclined to terminate insurance contracts early and file claims. It should be noted that these characteristics are based on the induction of statistical trends, and specific cases still need to be analyzed in combination with individual circumstances.： --- ### **1. People with unstable economic conditions** -**Those with low income or high financial pressure**: Premium payment may become a burden, and it is more likely to surrender or make claims to ease cash flow in times of financial difficulties. -**Those who are unemployed or have a sudden drop in income**: Sudden economic changes (such as layoffs) may lead to a decrease in insurance priority. ### **2. People with significant changes in health status** - **Newly diagnosed persons with serious illnesses**: If the policy contains health-related terms (such as serious illness insurance), the contract may be terminated after making a claim. -**Those with worsening chronic diseases**: Increased long-term medical needs may trigger claims, and at the same time surrender due to rising premiums or insufficient protection. ### **3. People who have insufficient or dissatisfied with insurance** -**Those who misunderstand the terms**: Did not fully understand the scope of protection when applying for the insurance, and cancelled the contract in advance after finding that it did not meet expectations. -**Those with poor service experience**: Dissatisfaction with the efficiency of claims and the quality of customer service may lead to loss of trust. ### **4. People with high-risk occupations or lifestyles** -**Those with elevated occupational risk**: If you change to a high-risk occupation, you may surrender your insurance due to insufficient protection or excessive premiums. -**People with mutations in living habits**: For example, new behaviors such as smoking and alcohol abuse affect their willingness to renew their insurance. ### **5. People who are insured driven by short-term demand** -**Protection requirements for specific periods of time**: If you are insured for short-term travel or projects, the insurance will not be renewed after the demand ends. -**Impulsive insured**: Attracted by promotions but lacking long-term planning, the renewal rate is low. ### **6. Changes in age and family structure** -**Young people are highly mobile**: Changes in work or residence may lead to policy adjustments. -**Those with reduced family responsibilities**: If the child becomes an adult, the education insurance may be terminated. ### **7. External economic or policy influence** -**Changes in market interest rates**: If the income of the policy is lower than that of other investment channels, you may choose to surrender the insurance and switch to investment. -**Regulatory adjustments**: Such as the cancellation of tax incentives, the attractiveness of insurance policies will be weakened. --- ###**Industry response measures** Insurance companies usually reduce the risk of early termination in the following ways： -**Underwriting screening**: Assess the financial ability and health status of the policyholder. -**Customer education**: Clear terms and long-term benefits. -**Flexible product design**: If you provide a premium holdover period or partial collection options. For more accurate analysis, it is necessary to combine specific insurance types (life insurance, health insurance, property insurance, etc.) and regional data.