Everything you want in an annuity product with an A-(Excellent) rating!

The HarborMaster annuity has benefit solutions for Medicaid and VA benefit planning.

The most effective way to convert qualified funds into income.

Flexible planning solutions include balloon annuities for tax-deferred assets to meet IVAP requirements.

Full support with your cases and planning needs.

Planning reports and annuity quotes within 24 hours.

Available in 49 states.


  • Fully DRA compliant         

  • Irrevocable and non-assignable

  • Equal monthly payments       

  • Actuarially sound         

  • State can be named as beneficiary, as needed

  • Ideal for Community Spouse planning   

  • Non-qualified and qualified funds accepted       

  • Short benefit term available*

  • Changeable beneficiary designation

  • Beneficiary can be made irrevocable if needed         

  • Equal payments or balloon payments available       

  • One-time option to convert balloon payment to equal payments

  • Non-qualified and qualified funds accepted 

  • Ideal for VA benefit planning with tax-deferred assets

1 Not available in New York and District of Columbia.

© 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.