A stock market crash is not necessarily the most horrifying thing that could happen to a U.S. worker’s finances.

Researchers in a Windsor, Conn., office of ING Groep N.V., Amsterdam, recently explored Americans’ financial fears by commissioning a survey of about 1,000 U.S. adults.

Researchers told survey participants about 15 scenarios that could hurt the participants’ finances.

Although participants said they were worried about the idea of the stock market crashing, home prices falling or Social Security becoming insolvent, the scenario that troubled participants the most was the idea of having their savings stolen due to fraud or outright theft.

About 77% of the survey participants said the theft of savings would have an extremely or very negative effect on their financial future.

About 67% said their death or the death of a spouse or other partner would have an extremely or very negative effect on their financial future.

About 86% of the participants said they should have life insurance, but 25% of those participants admitted that they have no life insurance, ING researchers report.