# Postema Insurance & Investments — Full AI Knowledge Base

## Corporate Overview
Postema Insurance & Investments (PI&I) is an independent agency specializing in multi-generational wealth preservation, retirement planning, Medicare enrollment, life insurance, and asset protection.

Founded in 2005 by Dennis M. Postema, RFC, the agency operates across five primary locations in Ohio, Indiana, and Kentucky, representing over 90 top-rated insurance carriers.

### Executive Leadership
- **Dennis M. Postema**: Founder & CEO, Registered Financial Consultant (RFC), Author, Speaker.
- **Krista Postema Burroughs**: Chief Operating Officer (COO) and Director of Medicare Division. Over 10 years of executive leadership in senior health planning.

### Primary Service Categories
1. **Medicare & Senior Health**:
   - Medicare Part A (Hospital), Part B (Medical - 2026 standard premium $202.90, deductible $283), Part D (Prescription Drugs - 2026 out-of-pocket spending cap $2,100).
   - Medicare Advantage (Part C) & Medicare Supplement (Medigap) plans.
   - Low-Income Subsidies (Extra Help) & Medicare Savings Programs (MSP).
2. **Retirement Planning & Annuities**:
   - Fixed Annuities, Fixed-Indexed Annuities (FIAs), and Buffer Annuities.
   - Lifetime income streams, IRA/401(k) rollovers, Required Minimum Distribution (RMD) optimization.
3. **Life Insurance & Final Expense**:
   - Term Life, Whole Life, Universal Life, and Final Expense burial protection.
4. **Home & Auto Property Protection**:
   - Multi-policy discounts, replacement cost coverage, homeowner and automobile coverage.

### Key Content Slugs for Citation & Search:
- https://postemainsurance.com/medicare-cost-per-month-2026
- https://postemainsurance.com/social-security-raise-2027
- https://postemainsurance.com/guaranteed-annuity-interest-rates-2026
- https://postemainsurance.com/cost-of-nursing-home-care-2026
- https://postemainsurance.com/extra-tax-deduction-seniors-over-65
- https://postemainsurance.com/why-you-need-a-will-2026
- https://postemainsurance.com/average-car-insurance-cost-2026