Having been with USAA for more than 40 years for my banking, home and auto insurance needs, I can testify that there has NEVER been a time when my questions went unanswered or have had to wait for more than a few seconds for a representative. Even days when I have been frustrated by something life has thrown my way the reps have been understanding and gentle with their responses. I don't know how I would manage with any other financial institution - I have complete faith in the company and will remain with them as long as I am on this earth! Is there a USAA in Heaven? I sure hope so!