A new report from LIMRA found that women are more likely to worry about their financial security than men. More than half of middle-income women surveyed said they were unsatisfied with their current financial situation and unsure about their future needs. Nearly one-third said they don't know how to achieve their financial goals.

Although 90 percent of families agree that having enough life insurance is one of their financial goals, one-third of respondents said it was a goal they hadn't met. Married women were more likely to feel like they didn't have enough insurance to cover their families than married men, and over half of the women surveyed said they would favor an annual or biannual insurance check-up. Just 44 percent of men supported such a measure.

"The recession has been hard on middle-income Americans, with many indicating that they have not made any progress or fallen behind on their financial goals," Nilufer Ahmed, senior research director for LIMRA Markets Research, said in a press release. "Yet, the women we surveyed seemed to be more receptive to listening to financial services representatives for the tools and advice needed to achieve their financial goals."

When selling to women, companies should provide more information on what investments would be appropriate, LIMRA experts suggest, as women tend to be more risk-averse than men. Long-term care is a higher priority for women than men by more than one-third, and 54 percent of women say they aren't saving enough for retirement, compared with 49 percent of men. Only 40 percent of women say they have a budget and - surprisingly - even fewer want help from a financial advisor.