Despite greater concern for their families' futures, women are less likely than men to be prepared for a premature death. The sixth annual MetLife Study of Employee Benefits Trends found that nearly two-thirds of women are concerned about how their family will be provided for after their death, but more than half think they don't have enough life insurance and 46 percent haven't taken any action to determine how much they will need.

The study also found that 52 percent of Americans get financial and retirement products through their employers, compared with 46 percent a year ago. Fifty-two percent of women consider the convenience of buying benefits through work an important advantage.

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