Can I join USAA if my deceased father was a veteran?

Asked by: Una Johnston I  |  Last update: August 24, 2025
Score: 4.8/5 (74 votes)

Children of deceased military members may or may not be eligible. If the military-serving parents held a USAA policy before they passed away, their children would be eligible for coverage. If they did not have a USAA policy, their children cannot be insured through USAA, despite their parents' military status.

Can I get USAA insurance if my father was a veteran?

Suppose you're not directly affiliated with the military. In that case, you can qualify if your parent is a USAA member or you're a spouse of a USAA member (including former spouse or widowed individuals).

What proof do you need to join USAA?

Please provide a copy of an acceptable military document and government-issued ID. Examples of acceptable military documents include DD214(long version), Discharge Certificate, Leave & Earnings Statement or military orders if you're actively serving. If you are in a Delayed Entry Program please provide your DD Form 4.

Can I get USAA if my parent is deceased?

USAA membership eligibility cannot 'pass on' posthumously, meaning that if parents eligible for USAA membership are deceased but not members, their children are no longer eligible for USAA membership. Also, membership passes down but not up.

Who is not eligible for USAA insurance?

If you're asking, "Can I get USAA through my deceased grandfather?" the answer is no—siblings and grandchildren aren't eligible unless both parents and grandparents were USAA members. USAA insurance is only for military members' and veterans' direct family members.

Can I join USAA If my grandfather was a veteran?

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Who is an eligible family member for USAA?

Adult children and former spouses of USAA members. Former USAA members. Active duty officers and enlisted personnel; National Guard/Reserve officers and enlisted personnel; or officer candidates in commissioning programs. Retired or separated military personnel.

What are the disadvantages of USAA?

Cons
  • Not all homeowners can qualify for USAA.
  • Customer service hours are limited.
  • May not offer as many discounts as some carriers.

Can I get insurance if my dad was a veteran?

As the spouse or dependent child of a Veteran or service member, you may qualify for certain benefits, including health care, life insurance, or money for school. As the survivor of a Veteran or service member, you may qualify for added benefits, including help with burial costs and survivor compensation.

Can I get a military ID if my dad is deceased?

Are survivors eligible for a military ID? A surviving spouse and eligible children of deceased active-duty members, retired military members, Medal of Honor recipients and 100% disabled veterans are eligible for military IDs.

What are the USAA death benefits?

Servicemembers' Group Life Insurance (SGLI) offers a life insurance death benefit up to $500,000 as a lump sum or in 36 monthly installments, if elected.

Why does USAA have an F rating?

A check of the BBB website provides a few answers. The failing grade is due to two stated reasons. The first is that the company agreed this year to a $15 million settlement with the U.S. Consumer Financial Protection Bureau over how USAA's banking arm mishandled thousands of personal checking accounts.

How do I find out if my father was an USAA member?

Request certified copies from the public records office for the state or county where the individual was born. Locate member numbers of any memberships in professional, fraternal or military organizations. If the decedent was a veteran, you will need a copy of the decedent's DD Form 214 (Report of Separation).

Who is eligible to open a USAA account?

Active-duty military. National Guard and Reservists. Veterans who have honorably served. Contracted cadets and midshipmen.

Can a grown child of a veteran get benefits?

VA will only provide disability compensation benefits (monthly monetary payments) to adult children of deceased Veterans in extremely specific situations.

Do all veterans qualify for USAA?

FACT: USAA is for the military and their families ✅ All branches ✅ All ranks ✅ Vets ✅ Spouses.

Is USAA cheaper than other insurance?

USAA's average annual full coverage rates are cheaper than many other companies. However, USAA sells policies only to active and former military members and their families. These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance.

Can I get veteran benefits from my deceased father?

If you're the surviving spouse, child, or parent of a service member who died in the line of duty, or the survivor of a Veteran who died from a service-related injury or illness, you may be able to get a tax-free monetary benefit called VA Dependency and Indemnity Compensation (VA DIC).

How can I access my deceased father's military records?

Records for yourself or next of kin
  1. Start your records request online for recent military service.
  2. Print and fill out a Form SF 180 [PDF, 894KB]. Mail it to the appropriate address on the form.
  3. Write a letter to request records, following the directions and using the address under number 2 on this web page.

Can I get a military ID if my parent is a veteran?

In order to receive a USID Card, you must be or have a sponsor. For example, if you are a Reserve or retired Service member, you are a sponsor; if you are a dependent, an active duty or retired Service member will be your sponsor.

Can I join USAA if my dad was a veteran?

Many people don't realize that children and stepchildren of current and former military members are also eligible. Even adult children can apply for coverage. So, individuals who may have assumed they couldn't consider USAA for coverage may be able to purchase a policy.

What is the VA 10 year rule?

The ten-year rule says that the VA cannot revoke a veteran's disability rating if they have had it for a decade or more. That means that the VA has to offer the vet some level of benefits, although there are limited exceptions. Also, the ten-year rule is a moot point for a subset of veterans' disability claims.

What insurance is available for veterans descendants?

Family SGLI, also known as Family Servicemembers' Group Life Insurance (FSGLI), offers coverage for the spouse and dependent children of service members covered under full-time SGLI. Find out how much coverage you may qualify for—and how to apply for and manage your benefits.

Why am I not eligible for USAA?

To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

Is USAA better than State Farm?

Is State Farm insurance or USAA better? USAA typically offers lower car insurance rates than State Farm and earns better ratings when it comes to the claims process and customer satisfaction. But USAA auto insurance is only available to members of the military community and their family members.

What is the minimum balance for USAA?

At USAA, the basic savings account has no monthly fees and features fraud protection and mobile check deposit. You need $25 to open the account, but after that, you're not required to keep a certain amount of money in the account to keep it open.