Working women are less likely than men to have adequate life insurance coverage, MetLife Inc. finds.

Female employees who have life insurance own only 2 times their household income in coverage, compared to 3 times income for male employees with life insurance, the company’s annual Study of Employee Benefits Trends revealed.

Yet MetLife, New York, also found 64% of working women (vs. 52% of working men) describe themselves are very concerned about their families’ financial futures in the event of their own premature death.

In addition, 46% of working women have not taken any steps to determine their life insurance needs. And 56% of women who have life insurance coverage don’t believe or are unsure that the amount of their coverage is adequate.

MetLife found 65% of surveyed women believe that receiving personalized benefits information with cost information from their employers would make it easier to make decisions about their workplace benefits.