How can we help you prepare for retirement?

Retirement Income Solutions has the financial products and experience to assist you in making educated decisions concerning your retirement planning strategy. Call (225) 250-8448 (Louisiana) or (832) 260-3836 (Texas). You also can schedule an appointment below.

Life Insurance

  • Almost 50% of American adults report that they would feel financial hardship within six months if a primary wage earner were to pass away.*
  • Among life insurance owners, 22% say they do not have enough coverage.*
  • Women (50%) self-report much lower knowledge about life insurance than men (63%).
  • Women (46%) are less likely than men (57%) to have life insurance. This self-reported gender gap has persisted over the 14 years of the Barometer study and the 11-point difference matches the largest it has ever been in the entirety of the study.*
  • 59% of Americans say they use social media when seeking information on financial or insurance products.

*2024 Insurance Barometer Study, LIMRA and Life Happens


Uses for Life Insurance

Many consumers realize that life insurance is used to pay for funeral expenses and/or leave a legacy through death benefit to your designated beneficiaries. Did you know life insurance also has additional living benefits?

Depending on the carrier and product, life insurance also can be used to:

  • Pay outstanding debts or large expenses, such as mortgages and college loans
  • Take an income tax-free loan from the cash value of the life insurance policy
  • Provide a cash flow in retirement
  • Cover healthcare costs related to a chronic or terminal illness
  • Donate to a charitable organization
  • Pay taxes that may be due on your estate


Consumer Resources

These materials are provided by Life Happens. Life Happens is a non-profit organization dedicated to helping Americans take personal financial responsibility through the ownership of life insurance and related products, including disability and long-term care insurance.

Life Happens also seeks to remind people of the important role insurance professionals perform in helping families, businesses, and individuals find the insurance products that best fit their needs. Life Happens does not endorse any product, company or insurance advisor. Its only interest is seeing that consumers get the coverage they need to protect themselves and their loved ones.

This material is intended for both educational purposes and to promote interest in the subject matter. It does not address any individual’s specific situation and is not to serve as the basis for any purchasing decision. The material is based on the information available to me and, while deemed accurate, is not guaranteed. Numerical examples, if any, are only illustrative. Guarantees, when applicable, are backed by the financial strength and claims-paying ability of the issuing carrier. For additional information, please contact our agency.

Contact Us

(225) 250-8448 (LA)

Louisiana & Texas

About Us

For more than 20 years, Retirement Income Solutions has helped consumers nationwide with retirement planning and financial services products. These products include annuities and life insurance products from 60+ of the top-rated carriers in the insurance industry. Keith Hazelwood and his team want to provide a game plan to help you prepare for retirement and to not outlive your retirement income. Copyright 2025