When it comes to retirement, women tend to worry more than men. Of course, women also have more reasons to worry, according to a joint study by the Hartford Financial Services Group and MIT AgeLab. In almost every category surveyed, women scored higher than men.

Inflation: 83% of women are concerned about the rising cost of living, compared to 69% of men.

Health: 75% of women are somewhat worried about declining health, while 87% are worried about healthcare costs.

Longevity: Women tend to live longer than men, meaning they are also more likely to outlive their retirement income. It's no wonder, then, that 64% of women regard longevity uneasily compared to 46% of men.

Women's concerns are well-justified. Not only do they live longer than their male counterparts and remain active longer, but they also receive less retirement income. According to the Women's Institute for a Secure Retirement, women's median retirement income is only a little more than half compared to men.

So what's a woman to do? Below are some helpful tips that can turn worrying into fuel for a more secure retirement.

Protection: Because Social Security and pension benefits depend on earning power, women on average receive less income from these sources than men. It is vital for women to protect their assets and seek other forms of retirement income, such as longevity annuities that pay a guaranteed stream of income that you cannot outlive.

Growth: A bearish economy seems to be the trigger for many people to switch to conservative investments. While this isn't a completely bad idea in down times, investing too conservatively can limit chances of long term growth. Since women usually spend less time in the workforce then men, it is more important for them to look for opportunities for long-term income growth and increase their savings.

Health: Women tend to be more active than men in old age. Consequently, women end up being the caregiver of their spouses, family members, or loved ones. However, their own health is just as important, bearing both physical and financial implications.

While these tips do not guarantee success nor are they applicable to every woman, however, they are beneficial to keep in mind.