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[References: p. 216 (8 tit.)]

At the present stage of development of the Russian state its primary objective is to provide citizens with access to fully-fledged quality education conforming to their interests and abilities regardless of their material wealth, place of residence, nationality and health. The goal can be achieved if to develop state educational insurance. Establishment of the system of state educational insurance is possible if the process of shaping individuals' knowledge, skills and abilities (competences) is improved. The result of the system operation is the process of capitalization aimed at ensuring continuous well-being of individuals, households, organizations and country in general. Capitalization of knowledge, skills, and abilities (competences) generates individuals' financial interest associated with their education, i.e. interest in receiving education as a source of their future income. Financial interest, the subject of which is a man's accomplishment, enables studying opportunities for establishing intercourse on ensuring individuals' income, resulting from his accomplishment. This process, in its turn, initiates insurance of an individual's rights and guarantees in the field of education. On the one hand, regular insurance financing of educational system, ensures its stability for future generations of the Russian society. On the other hand, it will establish the basis for sustainable creation of workforce.