Even those who have plenty of cash—more than most Americans, in fact—are worried about how they'll make out during retirement.

In a new LIMRA Secure Retirement Institute study, respondents—at three different levels of affluence: $500,000 to $999,999, $1 million to $3.5 million, and $3.5 million-plus—were surprisingly not all that confident about maintaining their lifestyle during retirement.

While almost 70 percent said that was their top financial goal, and 80 percent said they were confident they'd be able to do that, only four out of 10 said they were "strongly confident" that they'd be able to sustain their current lifestyle once they depart the workplace.

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