© 2019 — Whitehall Bay, LLC.  All rights reserved.  The HarborMaster™ and HarborMaster Flex™ are trademarks of National Guardian Life Insurance Company and used by permission.  Whitehall Bay™ is a trademark of Whitehall Bay, LLC. Insurance coverage provided by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life. Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an Elder Law Attorney in your state for assistance. Ratings current as of 08/05/15.