Based on my training data and related research, the following groups may be more inclined to terminate insurance contracts early and file claims： ### 1. **People with unstable financial situation** -**Economic pressure**: People with unstable financial conditions may be more inclined to terminate the contract early and make a claim in case of emergency to relieve short-term economic pressure. -**Unemployment or declining income**: People who are unemployed or have a significant decline in income may not be able to continue paying premiums, so they choose to terminate the contract and claim. ### 2. **People with deteriorating health** -**Major illness or accident**: If the insured encounters a major illness or accident, the contract may be terminated early to obtain insurance benefits for medical expenses or other emergency expenses. -**Patients with chronic diseases**: Patients with chronic diseases may choose to terminate the contract early and claim compensation due to ongoing medical expenses. ### 3. **People who are dissatisfied with insurance products** -**Misunderstanding or misleading**: If the insured has a misunderstanding of the insurance terms or scope of protection, he may choose to terminate the contract and make a claim when the actual protection is found to be inconsistent with expectations. -**Poor service quality**: Customers who are dissatisfied with the quality of service of the insurance company may choose to terminate the contract early and file a claim. ### 4. **People with high-risk occupations or lifestyles** -**High-risk occupations**: People in high-risk occupations (such as construction workers, firefighters, etc.) may be more likely to encounter accidents or health problems, leading to early termination of contracts and claims. -**Bad living habits**: People with bad living habits (such as smoking, alcohol, etc.) may be more prone to health problems, leading to early termination of the contract and claims. ### 5. **Older people** -**Retirement or approaching retirement**: Older people may face reduced income or health problems due to retirement or approaching retirement, so they choose to terminate the contract early and make a claim. ### 6. **People with high psychological stress** -**Anxiety or depression**: People with greater psychological stress may be more likely to make impulsive decisions, such as early termination of contracts and claims. ### 7. **People who do not understand the insurance terms** -**Lack of insurance knowledge**: People who do not understand the insurance terms and processes may choose to terminate the contract early and claim when they encounter problems, rather than seeking other solutions. ### 8. **Family change or emergency** -**Family changes**: Family changes such as divorce, serious illness of a family member, etc. may cause the insured to terminate the contract early and make a claim in response to an emergency. ### 9. **People with low trust in insurance companies** -**Crisis of trust**: People with low trust in insurance companies may be more inclined to terminate the contract early and make a claim when they encounter problems, rather than continuing to cooperate. ### 10. **People with strong short-term needs** -**Short-term financial needs**: People with strong short-term financial needs (such as home purchases, education expenditures, etc.) may choose to terminate the contract early and make claims to meet these needs. ### Summary The act of terminating an insurance contract early and filing a claim is usually closely related to factors such as an individual's financial status, health status, lifestyle, psychological status, and understanding of insurance products. When insurance companies design and sell products, they need to fully consider these factors to reduce the risk of early termination of contracts and claims.