I am just about completely severed with USAA. I switched homeowner's and auto (2 homes and 4 cars) and saved over $1200 per year. Moved everything to State Farm. Six months after I left USAA I got my SSA check. It now sits in a tax exempt Vanguard fund earning around 4% per year and is available any time I need it. Also moved our investments to Vanguard. Much lower fees and better returns. The biggest reason we left was over a claim we had on our second home. They sent a contractor out that didn't know anything. He had complaints all over the area but USAA swore by him. When we complained they got defensive and took his side over us. We have built four homes and remodeled three homes. We knew what we were doing. We finally fired him and convinced USAA to write us a check and we would handle things. Anyway, we have moved on. USAA is not the company I joined in 1969.