Helping you navigate Medicare, retirement, and life's transitions.
Clear, independent guidance from a licensed strategist who takes the time to understand your health, your income, and the life you're building next.
Turning 65? Receive 1:1 guidance in Medicare & retirement.
New to Medicare?
Compare Advantage, Supplement, and Part D options side by side — with enrollment deadlines handled for you.
Start HereNew to Retirement Planning?
Map out income timing, healthcare costs, and protection so your plan holds up through every season.
Start Here
Licensed & independent
Providing independent guidance to protect your healthcare and secure your retirement income.
I'm Kachina Rowell Harris. For more than a decade I've sat at kitchen tables with families sorting through enrollment notices, income questions, and the fear of choosing wrong. My work is to replace that noise with a plan you can explain in a sentence.
Because I'm independent, I compare carriers rather than sell one. You get straight answers, no pressure, and a strategist who is still there long after the paperwork is signed.
Our Unique Process
- 1
Discovery Call
A relaxed 20-minute conversation about your health, timeline, and what you want protected.
- 2
Needs Review
We gather your prescriptions, providers, income sources, and deadlines into one clear picture.
- 3
Strategy & Options
You receive a short list of vetted plans with the trade-offs explained in plain language.
- 4
Enrollment & Ongoing Care
I handle the paperwork and review your plan every year as costs and needs change.
Protection that keeps your family steady
Final expense, term, and permanent coverage exist to do one thing: make sure the people you love aren't handed a bill during the hardest week of their lives. We'll size the coverage to your real budget — nothing more.
Trusted By Those We Serve
“Kachina walked me through every Medicare option twice, without a hint of pressure. I finally understood what I was signing.”
Donna M.
March 2026
Let's talk it through
Tell me a little about where you are, and I'll follow up with a time to talk. No cost, no obligation — just clarity.
- 636-795-5727
- rowellinsuranceagency@gmail.com
- 5494 Brown Rd Suite 112-1058, Hazelwood, MO 63042
- Monday – Friday, 9:00 AM – 5:00 PM CST