Over half of middle-income women feel dissatisfied with their current financial situation and uncertain about their future financial needs, according to a new survey on reaching women customers.

Furthermore, almost a third of the women didn’t know how to achieve their financial goals, say researchers from LIMRA, Windsor, Conn.

Nine in 10 middle income families do consider adequate life insurance coverage to be one of their financial goals, the researchers found. But of all respondents, a third thought they had not achieved this goal, and women were more likely to feel this way than men, the researchers said.

Married women, in particular, tend to believe their households need more life insurance coverage compared to married men, the researchers say.

Other findings:

–Over a third more women than men say they worry about not being able to afford long-term nursing care.

—54% of women felt they were not saving enough for retirement, while 49% of men felt the same way.

–51% of women favored an annual or biannual insurance check-up, compared to 44% of men.

–Among both groups 40% said they developed a budget and saved accordingly.

–Fewer than 40% want help from a financial advisor to develop a lifetime or retirement income plan.

–Most were unsure of where to get help or the costs involved.

“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,” says Nilufer Ahmed, senior research director-markets research. “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.”

The study, Reaching Out To Middle Income Women, was based on data from LIMRA’s middle market study. That study surveyed 2,174 decision makers, of which 1,031 were women.