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Yes, cold walls are a common indicator of poor or inadequate insulation, especially if the walls feel significantly colder than the air in the room. This suggests that heat from your furnace is escaping rather than being retained. The issue could be that the walls have no insulation, or that the existing insulation is old or has been damaged by water, moisture, or pests. Your best course of action is to hire a professional to investigate. An insulation contractor can determine if you need to add or replace insulation and can often perform the work without creating large holes in your drywall. If you suspect the problem might also be related to your heating system's performance, an HVAC technician can take a closer look.

According to a report from Energy.gov, radiant barrier installations can save between 5% and 10% on your energy bill each month that your HVAC cooling is in operation. That fact can mean savings of up to more than $325 per year for homes that experience frequent direct sunlight and high summer temperatures. 

The life span of insulation is between 20 and 100 years. At that time, existing insulation can fall victim to gravity, resulting in compression, which reduces its insulating protection or R-value. If you can't simply add more insulation over the existing material, removing the old to increase the effectiveness of the new can reduce your energy bills and make the project worth the time and money investment.

Heat lost through uninsulated basement walls can account for up to 30% of the total energy lost through heat transfer to the outdoors. While homes in mild climates won't gain as much benefit from having an insulated basement as those in cold climates, the effects are still noticeable on your energy bill.