Can I join USAA If my father served?
Asked by: Sigurd Lesch | Last update: November 18, 2025Score: 4.6/5 (11 votes)
Can I join USAA if my deceased father served?
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.
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 a parent of a military member join USAA?
It is my understanding that USAA eligibility flows "downstream" – which means you need to be a child or spouse of an established member to get a USAA policy. Therefore parents, or in your case in-laws, of USAA members are likely not eligible to get their own policy.
Who is not eligible for USAA?
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 son is in the military?
What qualifies you for a USAA account?
- Active Duty military.
- National Guard and Reservists.
- Veterans who have honorably served.
- Contracted ROTC Cadets and Midshipmen.
- Officer and Warrant Officer Candidates.
- Military spouses.
- Children of USAA members.
- Service Academy appointees.
What are the disadvantages of USAA?
- 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 USAA if my brother served?
Typically, USAA requires customers to be members of the military themselves, although eligibility also extends to the children (or spouse) of military members as well. Therefore, it's our understanding that siblings are likely not eligible to get their own policy.
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.
Does USAA verify military status?
12MM USAA members can verify their military affiliation with ID.me using their existing USAA accounts. This is the fastest and most popular verification option on the ID.me platform. ID.me has access to multiple authoritative databases and military personnel records, including veterans who served prior to 1985.
Does USAA accept everyone?
Non-Military Eligibility for USAA Insurance
Even un-remarried ex-spouses are eligible for coverage, as are widows and widowers. 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.
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).
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.
How does USAA determine eligibility?
Eligibility may change based on factors such as marital status, rank, or military status. Customers must be in good standing and meet underwriting guidelines. Use of the term "member" does not convey any legal, eligibility, or ownership rights.
Can I join Navy Federal Credit Union if my grandfather is deceased?
Good news. If you're a servicemember, veteran of any branch of the armed forces or a Department of Defense employee, then you're eligible to join. Your immediate family and household members are also eligible.
How to become USAA member without military?
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).
How much does it cost to join USAA?
Pay for your first two months of membership, which includes an enrollment fee. Then pay just $28/month after that. Rates are subject to applicable taxes.
How can I qualify for a USAA account?
- Active-duty military.
- National Guard and Reservists.
- Veterans who have honorably served.
- Contracted Cadets and Midshipmen.
- Officer and Warrant Officer Candidates.
- Military spouses.
- Children of USAA members.
Can I get military benefits if my father served?
12. My father was in the service, do I have any benefits? Depending on whether the veteran incurred an injury or illness in the service, the U.S. Department of Veterans Affairs (VA) could provide monthly payments for children under age 18 or under the age of 22 if still in school.
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.
Can my wife get half of my VA disability in a divorce?
No. Under federal law, VA disability benefits are not marital property which courts can divide in a divorce. However, the VA disability payments are not invisible to the court, and do count as income when calculating child support or alimony.
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 went wrong with USAA?
The order against USAA, made public Wednesday, directs the bank to fix “a range of deficiencies,” after the regulator found unsafe or unsound practices related to management, earnings, information technology, consumer compliance and internal audit and suspicious activity reporting violations.