Ive been a member for about 12 years and have sokd usaa and their products to many friends and family. Today that stops. In 3 weeks I have had poor if existent customer service for an auto claim as well as a home owners claim. .. notice I dont use the word "member". I believe that is a convenient use if the english language. This is still a good company, but it is mot the same company I joined over a decade ago. It is surely less expensive, but know that you get the service you pay for. Where did you go usaa?