Becoming A Usaa Insurance Contractor: A Step-By-Step Guide

USAA is a member-owned insurance and financial services company that primarily serves military service members and their families. The company was founded in 1922 by 25 Army officers who wanted to insure each other's vehicles. Since then, it has grown to more than 13 million members and offers a range of insurance and financial products, including auto insurance, homeowner's insurance, life insurance, renter's insurance, banking services, and investment services. USAA is known for its excellent customer service and competitive rates, and it has consistently high customer satisfaction ratings.

To become a USAA insurance contractor, one must meet the eligibility requirements, which include being a current or former member of the military or having a direct familial relationship with someone who is a USAA member. This includes spouses, children, stepchildren, and in some cases, grandchildren, nieces and nephews, and cousins of USAA members. It is important to note that siblings and grandparents of USAA members are not eligible for membership. Once eligibility is established, individuals can apply for a position as a contractor through USAA's career website or job postings on external sites.

USAA insurance eligibility requirements

USAA is a member-owned insurance and financial services company that primarily serves military service members and their families.

Eligibility Requirements:

For Military Service Members:

• Active-duty military members of the US Army, Navy, Air Force, Marines, Coast Guard, National Guard, and Reserves.
• Veterans who have retired or been honorably discharged from the US military.
• Pre-commissioned officers such as cadets and midshipmen at US service academies, in advanced ROTC or on ROTC scholarship, and officer candidates within 24 months of commissioning.
• National Guard and Reserve members.

For Family Members:

• Spouses of USAA members.
• Widows, widowers, and unmarried former spouses of USAA members who had USAA auto or property insurance while married.
• Children of USAA members (including adult children).
• Individuals whose parents joined USAA.

It's important to note that eligibility for family members depends on proving a familial relationship with a service member. Spouses need to present a marriage certificate, while children of USAA members must provide a birth certificate listing the name of the parent who is a member.

In addition, USAA membership eligibility cannot be passed on posthumously. If parents who were eligible for membership are deceased and were not members, their children are not eligible for USAA membership. Membership also does not pass "up" to parents or "across" to siblings.

How to prove eligibility for USAA insurance

To prove eligibility for USAA insurance, you must be a current or former member of the U.S. military, or be a family member of someone who is or was.

If you are a current or former member of the U.S. military, you will need to provide the following:

• A Social Security number
• A valid government-issued ID, such as a driver's license, passport, or state-issued ID card
• Proof of military service, such as a current military ID or orders, or a copy of your DD Form 214 if you are a veteran
• Financial information, such as proof of income or credit history, if you are applying for banking services

If you are a family member of someone who is currently serving or has served in the U.S. military, you will need to provide the following:

• A Social Security number
• A valid government-issued ID
• Proof of your relationship to the service member, such as a marriage certificate or birth certificate

It's important to note that not all family members are eligible for USAA insurance. Spouses, children (including step-children), and widows/widowers of USAA members are typically eligible, while siblings, cousins, nieces, and nephews are not. Additionally, if your family member is deceased, they must have been a USAA member while they were alive for you to be eligible.

Who is not eligible for USAA insurance

USAA insurance is only available to active and retired members of the U.S. military and their immediate family members. This includes active-duty, guard, or reserve military members, and honorably discharged military veterans.

Immediate family members who are eligible include spouses, widows, widowers, and unremarried former spouses, as well as children and stepchildren. Grandchildren can also qualify if both their parents and grandparents are USAA members.

Siblings, cousins, and parents of eligible military members are not eligible for USAA insurance. Non-spouse significant others are also not eligible.

In addition, those who have received a dishonourable discharge from the military are excluded from qualifying for USAA insurance.

Benefits of USAA insurance

USAA, or the United Services Automobile Association, is a member-owned insurance and financial services company that primarily serves military service members and their families. It was founded in 1922 by 25 Army officers who were unable to secure auto insurance due to being perceived as a high-risk group. Today, it has over 13 million members and is headquartered in San Antonio, employing over 35,000 people.

USAA offers a range of benefits to its members, including:

World-Class Customer Service

USAA has a reputation for providing excellent customer service, with industry ratings consistently confirming its high standing. Members can expect helpful and understanding support, with one source citing a 96% member retention rate.

Full-Service Banking

USAA provides premium services as standard features for all accounts, including free checking and savings accounts with no minimum balance fees, free checks, free rewards debit cards, and free overdraft protection.

No ATM Fees

USAA does not charge fees for using non-USAA ATMs and refunds the fees charged by other banks. This applies to the first ten ATM withdrawals, and they refund up to $15 in other banks' ATM fees each month.

Competitive Loan Rates

USAA offers mortgages, VA loans, home equity loans, auto loans, and more. While they may not always have the best rates, they are usually competitive, so it's worth checking.

Top-Rated Credit Cards

USAA offers multiple credit card options, including cards for those building or rebuilding credit and those with excellent credit. Many cards feature low-interest rates, travel rewards, and cash-back options.

Insurance Options

USAA provides various insurance products, including auto, home, life, renter's, and umbrella policies. Members can get especially low rates by bundling insurance products, and deployed personnel may be eligible for adjusted auto insurance rates and special APRs.

Other Benefits

• Investment Services: USAA offers brokerage accounts, Certificates of Deposit (CDs), IRAs, mutual funds, and financial planning advice.
• Online Tools: Members can access online tools to understand their financial options and make informed decisions.
• Counseling Services: USAA provides counselors to assist with retirement planning, work-life balance, and debt repayment.
• Discounts: Members can access various discounts on products and services, including car and home buying, travel, and home security systems.
• Early Paychecks: Military members can receive their paychecks a day early when banking with USAA.

How to join USAA

Joining USAA is a straightforward process, but there are specific eligibility requirements that you must meet. USAA, or the United Services Automobile Association, is a financial services company that primarily serves U.S. military service members, veterans, and their families.

Who is Eligible to Join USAA?

Active-duty U.S. uniformed personnel, retirees, and their family members are generally eligible for USAA membership. This includes:

• Active-duty military members of the U.S. Army, Navy, Air Force, Marines, Coast Guard, National Guard, and Reserves.
• Veterans who have retired or been honorably discharged from the U.S. military.
• Pre-commissioned officers, such as cadets and midshipmen at U.S. service academies or in advanced ROTC.
• Family members of current USAA members, including spouses, children, stepchildren, and widows/widowers.

It's important to note that grandchildren can only qualify if both their parents and grandparents are USAA members. Additionally, if a USAA member passes away, their children will only be eligible for membership if the deceased parent was a member while alive.

To join USAA, you will need to provide proof of your military service or your relationship to a military service member. Here is a list of the required documents:

• Social Security number.
• Valid government-issued ID, such as a driver's license, passport, or state ID card.
• Proof of military service, such as a current military ID, orders, or DD Form 214 for veterans.
• For pre-commissioned officers, proof of commissioning status or current orders.
• If applying for banking services, you may need to provide financial information such as proof of income or credit history.

Once you have gathered the required documentation, you can join USAA by following these steps:

• Visit the USAA website or call their customer service line at 800-531-8722.
• Answer questions about your military service or your relationship to a military service member.
• Provide copies of the required documents. You can upload or mail the documents to USAA.
• Allow a few days for processing.

By following these steps, you can become a USAA member and gain access to their wide range of insurance, banking, and investment products and services.

Frequently asked questions