This formula should help:
=IF(OR(ISNUMBER(FIND("Insurance",A1)),ISNUMBER(FIND("Retirement",A1)),ISNUMBER(FIND("401K",A1))),"x","")
EDIT:
I came up with an array formula that I like a little better. Hope this helps:
=IF(COUNT(MATCH({"*Insurance*","*Retirement*","*401K*"},A1,0))>0,"x","")
This will require pressing CTRL + SHIFT + ENTER instead of just ENTER after putting it in the cell because it's an array formula.