Abstract: This article turns attention to the need for active advancement of problematic of the personal financial security. The problem of anticipation of threats of the personal financial security that inflict economic and psychological damage on a citizen remains open. The goal of this research lies in examination of the theoretical and practical aspects in transformation of psychological characteristics and tendencies in people’s psychology – spatial, time, information, energy under the influence of the state insurance and investment policy. The subject of this research is the psychological characteristic of the reflection insurance and investment policy of the state in citizens’ mentality. Methodology contains the two original multifactor scale surveys: “Citizens’ attitude towards the state insurance policy” and “Personal financial anxiety”. Factor analysis of these surveys defined the two crucial components: the problems of correlation between citizens’ stance on insurance and investment and the state national economy and psychological issues, associated with personal household financing. The expansion of financial literacy and actions aimed at the improvement of personal financial situation ensure the best spending predict and moneysaving in the first component, which leads to the growth of national economy.