As of 2008, 154,644 families had been living in Ulaanbaatar ger area. This number had reached to 197,094 by 2013. In terms of socioeconomic status, ger area families tend to be larger, less educated, younger and poorer than apartment area households. Life pattern and living environment of ger area bring particular risks. For that reason, risk protection is needed to ger area residents because of their financial vulnerability. It is important to make ger area residents understand the benefits of insurance to protect them.