Source: http://www.hoovers.com

Reviews & Ratings

Mariii2771’s Full Review of USSA Group Auto Insurance

I began using USAA eight years ago, when I married a military service-member. The rates are absolutely unmatchable with any other insurance company. In fact, when insurance companies call my house soliciting insurance, all I have to say is “I have USAA”, they tell me thank you and hang up. They know, and hopefully now you know, that if you are in the service, are married to a service member, have retired military parents, you may be entitled to the best coverage around.

You can obtain home-owner’s, renter’s, automobile, life, and health (although the health insurance is somewhat pricey, all health insurance is pricey these days, it is still comparable). You choose how you want to pay (monthly, quarterly, semi-yearly, yearly), and if you miss a payment by mistake, unlike other insurance companies who immediately put a cancellation notice in the mail, they very kindly send you a reminder notice.

I have had to make a claim on my insurance for a wind-storm which we had, causing trees to fall in our back yard and damage our swing-set and fence. We put USAA on notice, sent in our receipts, and, “no questions asked”, we got a check in the mail. It is the best service I have ever encountered. Also, I have a husband who collects cars, we are constantly calling and changing our service. Our calls are handled immediately, and within a couple of days, we receive the rate and policy change in the mail. I have never been happier with an insurance company.

The best is yet to come. . . Every year, at the end of the fiscal year, the company “tolls” its earnings, and we get a rebate (we received $200 last year). This is somewhat of a kick-back to customers. It’s gotten to where I look forward to my little “Christmas Bonus” from USAA to help with the holidays.

Do not hesitate to call and see if you qualify to become an insured. You won’t regret the decision.

CyndiA’s Full Review of USSA Group Auto Insurance

USAA is a full-service financial company for military members and families. It was for military officers ONLY in the beginning and included family members of officers. Now, it is all military plus family members.

My dad was an officer in the Navy, so I went with USAA on car insurance from the time I turned 18. That was really all I needed at the time, and I didn’t know much about finances. I just paid the bills for my car, and I tried to keep things between the white lines.

The first time I had to call on USAA was when a drunken maniac ran into my car and then got out screaming that I could have killed her baby who was not in a car seat. I knew that I was driving fine and that she crossed over and hit my car in the front, jerked away, hit me in the side wiping my front tire under the car, and then straightened up her car in her lane while my car totaled out in the ditch on the wrong side of the road. Fortunately, the policeman on the scene looked at the tire marks and saw that I had a point and didn’t cause the accident or almost kill that woman’s baby. Unfortunately, the driver of the other car did not have insurance. That was when I learned that I had an uninsured motorist claim with USAA. They paid to fix my car even though the driver of the other car was at fault.

My next car tragedy was when a tree fell on my car. Again, this was my 1968 Mustang, which was bought used at over 100,000 miles but the love of my life when I was 18 years old. This time, some “act-of-God” clause kicked in. If your car is just sitting there, and a tree falls on it, then USAA comes out and covers that. It’s not like you threw the tree on the car, but it’s not like they should have to pay for that kind of thing. Thank goodness . . . they do cover those things.

By the time I got married, I had a few miles on me and had learned to look around and make sure when it came to putting my money down. Although I checked around, I could not find a better deal than USAA. The company that took me through my teens with my Mustang was the best bet. They ran just a tad higher than some companies, but they had the track record and more comprehensive coverage. After getting hit by an uninsured motorist and having a tree fall on my car, I was not taking chances.

As a newly married person, I dreamed of getting the money to buy a house. I put money in USAA. They have mutual funds. Though I could and did make more money in stocks, the USAA money was solid and didn’t drop the way some of the high tech stuff did. I was lucky that I pulled most of the high earning stocks to get my house. The money left during the drop ran real bad in stocks but OK in USAA. They are conservative, so you don’t get super returns, but you don’t get soaked during the lean times either. I keep the money for the boys to go to college at USAA.

Once I bought the house, I got the home insurance through USAA. The roof leaked within 2 months. That should have been caught during the buy, but it wasn’t. USAA paid for the roof to be fixed. Again, they came to the rescue when I needed them. It was not a big deal. They came out, saw the leaks, and they paid to fix the roof.

Over the years (since 1978), I’ve used USAA. They are rock solid. The towing insurance has come in handy when I’ve had dead batteries or flat tires. They also were great to deal with the bigger issues I mentioned. The investment options are great. Though they don’t give the huge returns that some companies did in the early 90s, they don’t crash out like some of those did. They have a catalog to buy items, and I got my first video camera from USAA with a same-as-cash plan to spread out the cost. That really helped out when I was a young mom and wanted video of my babies. I could afford a camera, but it worked much better to pay that over several months.

My credit is USAA Visa. They were the first to give me a chance with credit. I’m good to pay my bills. Over the years, they have raised and raised the limit. I can credit up to 8K now, though I hope I would never need that much ahead. Still, it’s good to know that I can buy and not worry about it on the card.

When I bought my Harley this summer, USAA did need a couple of days to process that. I got local on that insurance, so I would say that they need to come up with some faster process for motorcycles. When you buy a bike, you want to bring it home the same day.

The web site has been a problem, though I have not really needed it. They require sign in but don’t give the exact number of member numbers. That sounds strange, but they include 00 before some of mine and some don’t have that. So, I didn’t know how to list my member number—with or without those zeros. Then, the password needed 6 to 12 typed in things with a combo of letters and numbers. I have a favored password that does not have numbers. Then, I have a password I like with all numbers. I can’t use either at USAA with the combo requirement. I would have to come up with a letter/number combo and remember it to use the site, which I have never been able to log in to anyway with the question on my member number and which digits to type and which not to type.

Really, I don’t need the web site with USAA. The phone number is right in my book, and they answer the phone and help out. They have mailings and even a magazine that is nice. I have used most of the services though I have not gone with the bank account. I like to use a local bank and not a bankcard. I would spend too much if I could stick a card in a machine and get money on the spot.

If you are in the military or if you are married to or the child of a military member—active or retired, then USAA is the way to go. You might shop around and get lower on insurance or higher on returns short-term for investments, but you would have to spend a lot of time to figure all that out and get it right. After 24 years with USAA, I would say that they really are the max. While I use a few other services along with USAA, they have the bulk of my money . . . and I feel very safe on that. If you are on the fence, then feel fine with USAA. They even have awards for great service. You might come out ahead now and then at other places, but you might get soaked too. That isn’t likely to happen with USAA.

imfun4lovin’s Full Review of USSA Group Auto Insurance

I am a customer because of my dad’s military affiliation. He has no idea that I look at my affiliation with USAA as a legacy left by Dad. USAA is awesome. I have been with them about 10 years and have the following with them: auto, home, jewelry policy, life insurance, disability insurance, major medical insurance, checking account, savings account, home mortgage, brokerage account (okay, I’ve lost a bunch of $ lately but that ain’t there fault), several mutual funds, my long distance service, my isp service, my cell phone. I’ve used their moving service to help locate a realty agent, I’ve ordered merchandise from their catalogs, including a car. What’s cool is I could keep track of just about everything on their website. Their service is top notch, their attention to my needs is top notch…I actually can’t wait to get something in the mail from them as they always have good info to share to keep me an informed consumer. They rock!

Source: http://www.epinions.com

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Reviews & Ratings

knotheadusc’s Full Review of USSA Group Life Insurance

Since we just got married, my husband and I thought it would be prudent for us to increase our life insurance coverage. He still needs to get more so that I will be okay if he dies (currently everything will go to his minor kids, thanks to his divorce settlement). I’m not worth a lot of money right now. I owe a lot of money and I’m bringing in pretty much zilch. I also have newly diagnosed mild asthma and depression that I’ve been treating for about five years. We decided to apply for life insurance anyway, and since we already do business with USAA and have liked the service we’ve gotten thus far, we tried them first. They also sent me a letter right before my 31st birthday, reminding me of the importance of life insurance… mmm hmm… Good salesmanship there, USAA.

Anyway, my husband called USAA and they very quickly set up an appointment for me to have a health exam. A visiting nurse came over to my apartment, took my blood pressure three times, weighed me, measured my height, took blood and urine samples, and asked me a WHOLE BUNCH of questions. The exam took about an hour. I had to fast beforehand. Since I have health issues, USAA had to get my health records from my allergist and psychiatrist. I also had to answer more embarrassing questions about my “mental” condition over the phone with a USAA rep– questions, I might add, that I had already answered during the initial medical exam. I haven’t had any real trouble with depression in several years, but USAA wanted to make darn sure since I still take medication. They weren’t nearly as concerned about my asthma, which, truth be told, probably has a better chance of killing me than depression does (although statistically speaking, depression is co-morbid with a bunch of other problems like heart disease… but I don’t have those problems yet!). I asked my psychiatrist if they had contacted him and he said they had… then he said soberly, “They won’t give you life insurance. Insurance companies don’t like to insure people with psychiatric diagnoses.” then he added cheerfully, “But you can always appeal!” My psychiatrist is competent, but he’s a jerk. I thank God I only have to talk to him for ten minutes at a time every three months.

The next hurdle was to send in a financial statement. For me, this was also embarrassing. It basically consisted of questions about my income (none), my savings (minimal), my assets (minimal), and my debts (substantial). There were also questions about my husband’s debts and assets. I got the feeling that this was to have proof that if I suddenly died right after the policy was issued, my husband wouldn’t stand to gain too much from my death (ie; he didn’t have too many debts to pay off and/or I didn’t have too many assets to leave to him so that USAA would suspect murder or suicide). I have nothing and owe a lot, so my assets are pretty much in the negative range. My husband also has pretty much nothing other than a decent income. I sent the form in, but USAA called a couple of weeks later and said they didn’t have it. I also got a letter from them, reminding me to send in the form because the quotes they had given me were time sensitive. I guess the form got lost in the shuffle somehow, because I got a call a couple of weeks ago letting me know that they had approved my application, AND they were even giving me the preferred rate.

They were quick to bill us for the premiums for June and July (they backdated it so I would be charged for my first year as though I were still 30). USAA sent me my medical exam results, which were surprising… my cholesterol was a lot lower than I expected it to be!

My husband can’t take out more coverage with USAA because he’s already maxed out with them. Since he’s an active duty soldier, there’s a limit to how much coverage he can get through USAA. So we’ll have to go to another company to get him more coverage.

I like USAA. I think it’s a good company. I’ve always gotten excellent service from USAA customer service agents and you can’t beat the rates on their insurance products or credit cards. But the process of getting life insurance was a real pain in the butt! I am proud of USAA, though, for covering me despite my psych diagnosis. Isn’t that sad? Insurance carriers really do need to come into the 21st century and realize that a psychiatric diagnosis does not automatically mean suicide risk. It’s sad that I should be pleasantly surprised at getting life insurance, despite my depression and cough variant asthma. I’m glad that the people at USAA realize that I’m only 31 years old and basically very healthy– I don’t plan to die anytime soon and consequently, they’ll probably make plenty of money off of me. I also took great pleasure in telling my shrink that not all insurance carriers refuse people with psych diagnoses!

*Note*– I’m basing my experience with claims on other experiences with USAA. I haven’t died yet, so I have no idea how fast they’ll respond to claims on life insurance.

mtrenck’s Full Review of USSA Group Life Insurance

If you are fortunate enough to be eligible to work with USAA, I highly recommend you take full advantage of all they have to offer. Since my father served in the United States Army, I have been lucky enough to have help auto, renters, and homeowners insurance policies with USAA. When I found out my wife was pregnant 22 weeks ago I started shopping around for life insurance. After reviewing all types of options I selected USAA and I couldn’t be happier with my choice.

Price
Since this is one of the most important factors I’ll start with it first. USAA by far offered me the most competitive rates. I pay approximately $17 each month for a 30 year term life insurance policy worth $350,000. Most other companies I looked into listed similar policies in the upper $20′s and low $30′s.

Application Process
The application consisted of three parts… an online application (which could have also been completed over the phone). A phone interview, and a blood draw and urinalysis.

- Online Application: Took about fifteen minutes to fill out. It helped that I was already a USAA customer and all my personal and demographic information was quickly filled in for me. An online price for all terms and levels of coverage was quickly and readily available during the application process and I knew exactly what I was going to pay while going through the application process. Once I submitted the online application I was immediately approved for “interim life insurance” which would have paid out to my wife in the event that I died before actually completing the application process. Very nice feature with USAA.

- Phone Interview: This was done at my convenience with a 1-800 number. It took approximately 15 minutes to complete. This was a relatively painless process, but it helped that I didn’t have any major medical problems. I completed this interview while at work and was comfortable answering the questions at my place of work. If you do have some medical problems, I would suggest you complete this phone interview in the privacy of your house. In any case, the telephone operator conducting the interview was very professional and non-judgmental throughout the entire process.

- Blood Draw/Urinalysis: This was also completed at my convenience at my own home. I was contacted by their “mobile field technician” (or whatever his official title was) and I setup a date and time to take care of this. He drew my blood and collected his samples in the privacy of my own home. Again, very professional and a relatively nice experience for a usually not so pleasant task.

Communication
This has always been excellent with USAA. Every step of the application process I was kept informed via email as to what to expect and what the next step in the process was.

Policy
Fortunately for me I haven’t had the opportunity to take “full advantage” of my USAA Life Insurance Policy. In the event that the policy does have to be paid out over the next few weeks I’m sure my wife will update this epinion!

Source: http://www.epinions.com

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