Whether addressing life insurance or long-term care insurance, or even disability insurance, discussions on these topics can be emotional and confusing, especially because policies are typically "sold" rather than "purchased." Our staff is proud of its in-depth knowledge of how insurance may be used to provide security at various periods of life without compromising your other financial goals. We can model scenarios to assist you determine if you have too much insurance, too enough insurance, and what type of insurance you need. We have partnerships with many carriers and providers and can analyze both basic and complex methods that may assist you in achieving your financial security and estate planning objectives.

This includes planning for best ways to pay for medical insurance before Medicare in the most tax-efficient way. 

Emily Sullivan

Professional Referral

Stana Martin

(660) 909-1003

Stana Martin is one of the Midwest's foremost experts in long term care insurance. She has been a top-ranked producer for many years with extensive insurance claim experience. Prior to entering the business world, Stana earned her PhD in Communications at the University of Texas and taught for 15 years at various universities. In 1996 she left teaching, spending the next 10 years as co-owner and Vice President of Operations for a multi-practice chiropractic clinic. In addition, she developed a career as a trainer and motivational speaker.

Everything changed when her grandmothers faced long runs of care. This became the catalyst for her shift to the senior care market.

"Data indicates the USA is greying. We believe we are on the verge of a nightmare in elder care. Families who are ill-informed and plan poorly will have fewer choices and less quality care. So often we find people plan for retirement saving and investing. But they do not plan for protecting their hard-earned savings, in the event of care. Growing old isn't for sissies! If you are going to grow old, you have to be tough and you better plan for it."

Stana still presents long term care seminars to the public and for continuing education credits to financial advisors, lawyers, and care community staff. For more info on seminar topics currently offered please visit

Long-Term Care Services provided by Stana Martin are separate from and not affiliated with Lighthouse Financial Strategies and the cfd companies