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This article considers the events to cover not the individual citizens, but the households in order to improve financial stability and increase human wellbeing which meets the development goals of the regions. It is proposed to develop the insurance protection of the population on the basis of the family life cycle concept. In accordance with this concept, the authors propose households to use certain insurance products taking into account the distinctive characteristics of the household, composition of assets and obligations, incomes and expenditures, the household risks at each life-cycle stage that will let insurance companies to generate an optimal set of insurance types and insurance products. Developing insurance protection of the population will reduce financial risks for separate households and the insurance market as a whole, increase the financial stability of the population, struggle against poverty, encourage sustainable development of the regions. Keywords— household, life-cycle stages, insurance protection, insurance products, sustainable growth of the regions

proceedings of the international scientific conference "competitive, sustainable and secure development of the regional economy: response to global challenges" (cssdre 2018)

Developing insurance coverage of population in order to improve the financial stability of the regions