USAA Life Insurance Review

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Compare USAA Life Insurance Quotes

Use our calculator to compare USAA’s life insurance rates with life insurance quotes from other insurance companies.

Who Is USAA?

USAA is a financial services company that offers a wide range of products, including life insurance. They are a Fortune 500 company with over 30 million members. USAA was founded in 1922 and is headquartered in San Antonio, Texas.

The Pros of USAA Life Insurance

There are several pros to USAA life insurance. First, they are a very well-established and reputable company. They have been in business for over 95 years and have an excellent financial rating. This means that you can be confident that they will be able to pay out on your policy if you need them to.

Another pro is that USAA offers some of the most competitive rates in the industry. They are often able to offer lower rates than other leading providers. This is because they have such a large customer base and can spread the risk across many policyholders.

Finally, USAA provides excellent customer service. They have a team of knowledgeable and friendly representatives who are always willing to help. They will be more than happy to assist you if you have any questions or concerns.

The Cons of USAA Life Insurance

There are a few cons to consider with USAA life insurance. First, they are not available in all states. They currently only operate in 26 states and Washington D.C. So, if you live in one of the other 24 states, you will not be able to get coverage from USAA.

Product eligibility is limited to those in the military or relatives of those who served.

Another con is that USAA does not have the widest range of life insurance products. They offer term life, whole life, and universal life policies. However, they do not offer any riders or additional features that some other companies do. So you may have to look elsewhere if you need something specific.

Finally, USAA life insurance policies have a minimum face value of $50,000. This may be too much for some people who are looking for coverage. If you need a smaller policy, you will have to look elsewhere.

Other Life Insurance Companies to Consider

If you are unsure if USAA is suitable, there are several other leading life insurance companies to consider. Some other companies to look into include:

Each life insurance company has its strengths and weaknesses. So, you will need to compare them side by side to see which one is the best fit for you.

When you are comparing life insurance companies, be sure to consider the following:

  • Financial stability
  • Customer service
  • Policy options
  • Life Insurance Premium Rates

Once you have considered all of these factors, you can decide which life insurance company is right for you.

The Solution

Shop and compare a USAA life insurance quote with our quoting tool. Unlike USAA, you can compare 18 insurance companies. You might find out that there are better policies at a lower price. From those 18 companies, you can choose between supplemental life insurance and permanent insurance, including:

By offering these options, you can find the best life insurance policy at the cheapest cost and save money.

Should You Get USAA Life Insurance?

USAA is an excellent company with a lot to offer. They have competitive rates and are a very well-established company. However, they are unavailable in all states and do not have the broadest range of products. So, you will need to decide if USAA is right for you based on your specific needs and circumstances.

If you are looking for life insurance, USAA is worth considering. They are a reputable company with competitive rates. However, you will need to decide if they fit you based on your needs and circumstances.

Need Help Getting Life Insurance Coverage?

Contact us if you need help purchasing a life insurance policy. The service is free of charge.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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