USAA Life Reviews

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About USAA Life

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USAA Life develops life insurance products and financial services for military members and their families. Founded in 1922, it offers term life, whole life and universal life insurance, along with annuities and financial planning services.

Pros
  • Affordable insurance rates
  • Easy application process
  • Comprehensive coverage options
Cons
  • Slow claims processing
  • Inconsistent communication

USAA Life Reviews

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    Page 3 Reviews 40 - 240
    Customer ServicePunctuality & Speed

    Reviewed March 9, 2016

    Great customer service. They pay claims quickly and efficiently. They also have great rates and good discounts for various things. We also have our homeowner's insurance with them and are very satisfied.

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    Reviewed March 8, 2016

    It was simple to get, payments are automatically made out of my account. All of my financial dealings are made in one place, making it easier on my wife if anything was to happen to me or for me in the event of something happening to her. My lawyer and our children (who bank at USAA) are familiar with the bank and its management personnel, so they too will have help sorting things out if something happens to my wife and me.

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    Reviewed March 7, 2016

    I have had no interaction with my insurance company regarding my life insurance policy. I have made no claims. I simply pay my premiums on time and I receive periodic mail from the company regarding several additional insurance offers and articles regarding terms and suggestions regarding my life insurance policy.

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    CoveragePunctuality & Speed

    Reviewed March 7, 2016

    My life insurance policy was very easy to sign up for. My husband and both got adequate coverage with little hassle. Fortunately for us, we haven't had to use it yet. From what I understand this company is fast and efficient.

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    Customer ServiceStaff

    Reviewed March 7, 2016

    They have the best agents available on the market today. If any problems arrive they are very quick to respond and correct any issues that you might encounter. Also they have a wide variety of products to choose from. They stand behind any product they offer. I think they are the best choice for myself or others.

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    Coverage

    Reviewed March 6, 2016

    No problems. I won't know until the time comes to use it... not too soon I hope. Only have a term policy. Ask my widow how the company treats her after I am gone.

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    CoverageStaff

    Reviewed March 6, 2016

    Signing up for this policy was very easy. At the time I signed up I was happy with the coverage. However when I contacted this company to see what my options are in the future I was not completely Satisfied with the aid that I was given. The agent was not very helpful and did not seem to know enough about the product.

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    Customer ServiceCoveragePrice

    Reviewed March 5, 2016

    Affordable insurance with a great online interface, thanks USAA for providing veterans and military families with awesome life insurance. You can do anything you need from the website which is very convenient and the one time I did have to call in the customer service was very nice and quickly resolved my issue.

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    Punctuality & SpeedStaff

    Reviewed March 5, 2016

    I have had life insurance with my current carrier for at least 20 years. My husband passed away 13 years ago and my agent did everything in his power to make sure that I was taken care of. Anytime I have questions I can get answers quickly and courteously.

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    CoverageStaff

    Reviewed March 4, 2016

    I've had nothing but a good experience with them. The rate is great, and the policy is very thorough. I would definitely recommend this company. It covers pretty much everything I'm looking for life insurance. I'm a member of the credit union, and they offer great products to members. But it fits my needs.

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    Reviewed March 4, 2016

    I have been with USAA for over 40 yrs. I have never had any problems and I also do my banking with them. My life insurance is also with them. My father was in the Air Force and my ex husband was in the Air Force. I live in Michigan - Insurance is real high and I pay out not a lot.

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    Coverage

    Reviewed March 3, 2016

    I get my life insurance through my employer. It is a great benefit. My employer works hard to provide top notch benefits, health and life insurance. Great coverage and minimal out of pocket costs.

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    Customer Service

    Reviewed March 2, 2016

    Great rates. Superior customer service. Never experienced a problem in the 17 years I have been with them. Easy to pay and website and mobile app are great tools.

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    Customer ServiceCoveragePrice

    Reviewed March 2, 2016

    My life insurance through USAA is a term policy for $250,000. I am 47 years old, in good health and pay $25.00 a month for this policy. This policy was easy to apply for and is great coverage for the price. I am very satisfied with this policy right now and have no desire to change. I would recommend life insurance through USAA if you are a member because they have great customer service and will work to get you the best prices.

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    Reviewed March 1, 2016

    I recently switched due to high premiums at Liberty Mutual, my previous provider. I was a 5+ year customer with them, but USAA was a better cost savings for me.

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    Reviewed Feb. 29, 2016

    It was easy to obtain with no doctor's visits. As I am still alive we have no experience cashing it in, but hope it will be a long time before my husband does.

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    Customer Service

    Reviewed Feb. 29, 2016

    Great experience and have had no issues with my insurance. I've always had great customer service and always notified of changes that were made on my account. I have recommended my insurance to quite a few people because I've never had a problem with it.

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    Price

    Reviewed Feb. 28, 2016

    I like USAA. It is a good and reliable car insurance company. I have been a member for six years now and my payments are reasonable. My payments are also very affordable. I would recommend this company to all of my friends and coworkers.

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    PriceStaff

    Reviewed Feb. 27, 2016

    They are there for service members and they offer a lot of different products like life insurance, auto insurance, financial help and much more. I've been with them for years now and they offer great products at a reasonable price.

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    Staff

    Reviewed Feb. 26, 2016

    They are there when have questions and rates don't go up. I feel like they care about the people that have been with them for years. They also have been beneficial to the care so my family won't have to worry when I'm no longer here.

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    Customer ServicePrice

    Reviewed Feb. 25, 2016

    USAA has fair prices and fantastic customer service. There was no hassle involved in applying for and getting life insurance from them. I think they are overall one of the finest financial institutions in America.

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    Reviewed Feb. 24, 2016

    I don't know enough to rate them. No one in my family has died so I have not had to use it. My husband gets life insurance through his employer and I believe it is a very good rate, but I'm not even sure who it is through.

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    PriceStaff

    Reviewed Feb. 20, 2016

    USAA has helped our families across the nation who have sacrificed so much by serving in our military. USAA has been able to keep the cost down so military personnel or other family members can be comfortable knowing their loved ones will be taken care of even after they are gone. They offer low rates for other family members too just like other companies do. However I have not seen another company that offers as much as USAA. I sleep better at night knowing we have a policy in place that will help our family if the unexpected ever happens. We never like talking about death but in reality when you don't talk in the end this means you are not prepared for situations out of our control. That's why we are sticking with USAA BECAUSE THEY HAVE US PREPARED!

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    Punctuality & SpeedStaff

    Reviewed Feb. 18, 2016

    It's a good company. I had no bad issues and have used them for years. They arranged for the nurse to come to our house for the physical, which was quick.

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    Customer Service

    Reviewed Feb. 15, 2016

    Low rates, fast service, great customer service, easy payment plans, has a bank, has investments available. Easy to use website, secure website.

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    Reviewed Feb. 14, 2016

    My husband got it and I guess it is ok.

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    Customer ServiceStaff

    Reviewed Feb. 13, 2016

    They not people friendly. They invited my needs and took their time getting to me when I called about my concerned and when they did get to me very rude people relation. I threaten to cancel my insurance lots.

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    Customer ServiceCoveragePunctuality & SpeedStaff

    Reviewed Feb. 11, 2016

    They pay quickly and customer service is great. They treat you like a person and not like a number and they make you feel like family. They have competitive rates and coverage in my opinion is better than most other insurance carriers I've dealt with in the past.

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    Customer ServiceStaff

    Reviewed Feb. 9, 2016

    It is a very good company with many helpful people. The company does have a problem with its workers and explaining rates. I have been with them for over 10 years. I have homeowners, auto, and life insurance with USAA. My bundling ability saves me a slice of money each year. The company may need to adapt to the marketplace and cut prices to continue on its good momentum. I hope this helps with USAA growing and becoming a better company. I hope that health insurance rates are reduced for long-time customers such as myself. I find that other type of insurances are at better rates at other companies. I have been interested in going to another company. I have called USAA and gotten hung up on. This is showing how the once great customer service sector is going downhill. Customer service is one of the most important part of the insurance and retail business.

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    Customer ServiceCoverageStaff

    Reviewed Jan. 28, 2016

    We have been customers of USAA for over 20 years. We have several policies with them; auto, homeowners and life on my husband. We also bank through them. We decided to shop for a life policy on myself and naturally contacted USAA. They went through all of the expected steps but, after they sent a tech to take blood, vitals and requested my medical records, we didn't hear from them for a long time. So, I contacted them and they connected me to an underwriter who informed me that the application was being reviewed for rejection!

    I am a lifelong non-smoker, have never tried drugs, drink very infrequently, never had any health problems! I was told that the underwriter suspects that I have Rheumatoid Arthritis! I asked how/why they would have this idea since, I have never been diagnosed with any health problem or even seen by a doctor for anything related to the condition! The underwriter said that it was because of multiple orthopedic surgeries. I explained that I was a former athlete and yes, had some surgeries after injuries and 3 botched knee surgeries. I asked her where she got her medical degree and when she was able to examine me? She became belligerent and called me a liar.

    I contacted my doctor's office and they said that they had released records to USAA but, there was nothing in my medical records to indicate that I have RA! My doctor invited the underwriter to contact him but, she refused! So, before the policy could be rejected, I withdrew my application. I know a little about how insurance works but, if I had just allowed the arrogant underwriter to reject the policy, I would have had a very hard time getting Life insurance from any other company! I went through another company, a reputable one, and was never accused of having any type disease or condition that would warrant rejection! USAA has been nasty to deal with on other occasions like; auto claims, home equity line of credit, etc... They are NOT a good company and, in my opinion, they shouldn't get to pretend like they're affiliated with the military and/or pretend to care about military families, because they don't!

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    Punctuality & Speed

    Reviewed Jan. 12, 2016

    I have life insurance with them and State Farm. They seem to be good companies and have survived the test of time. I think they are the top of line in insurance.

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    Coverage

    Reviewed Jan. 10, 2016

    My life insurance is thru my husband's military and we are very satisfied with the rates and the coverage. We would recommend it to any military family. We got bit for when he was overseas but the rates was so good decided to keep it even when he return just in case something happened to any of us we would be covered.

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    Reviewed Jan. 8, 2016

    I like the fact that I'm paying a bill until the day that I die. Also, I won't even be able to use it myself, I have to be dead AND I still can't use it. I love America.

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    Customer ServiceCoverage

    Reviewed Jan. 7, 2016

    I applied for life insurance through USAA in March of 2015. They sent a person out to do a physical, and requested my medical records from the VA. Through them, they found out that I have an arachnoid cyst, which had not been checked since 2009, so they wanted me to get a CT scan to make sure it wasn't going to cause problems. Unfortunately, I had to move to another state, which took several months. When the process was complete, I renewed my application. They still had my records from before, but they did another physical, and then waited for me to get the CT scan done.

    Upon completing the scan and sending the results to them, I promptly heard nothing at all from them for three months. After growing impatient, I called them to see what the problem was. I was then informed that they had decided to deny me coverage almost a month prior, citing the health problems indicated in my medical records (PTSD and a few other service connected illnesses) as the reason, but NOT the arachnoid cyst.

    That's right. A company that says it caters to the military refused to cover a wounded veteran because of the injuries he sustained while becoming a veteran. What's more, they knew in March of last year that they wouldn't provide me coverage, but they strung me along anyway, and made me get a CT scan before they put me on ignore, until I called them to find out the bad news. This company is a pack of liars, and I do not recommend them to anybody.

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    Customer ServiceStaff

    Reviewed Jan. 4, 2016

    Great customer service. I truly feel like they are working with you, not against you. Every time my husband and I have had to call them, they have been very patient and understanding with us. Highly recommended.

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    Customer ServiceCoverage

    Reviewed Dec. 31, 2015

    Insurance here was half the cost of my previous company. Very pleased with the insurance. When I had a question the customer service was very helpful.

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    Reviewed Dec. 15, 2015

    I have Prudential for life insurance and would not recommend them to anyone. We had an investment insurance and after many years they sprung on us that we owed them money and never could explain it to our satisfaction.

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    Staff

    Reviewed Dec. 14, 2015

    My experience is very satisfactory and USAA is a great caring company. They keep you well informed of any changes, updates and concerns. They are very knowledgeable and well equipped to any questions that you may have. They are very supportive, courteous and friendly.

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    Reviewed Dec. 12, 2015

    As far as insurance companies go. Very automated and impersonal to deal with. Ironically when they are offering life insurance to a living person. They should take hospitality classes with a 4 star hotel.

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    Reviewed Dec. 10, 2015

    USAA is a family thing with me. My parents introduced me to USAA. It was their company. I go to it first for any type of insurance. I trust this company, I have always been treated like a valued customer. Except for medical insurance provided by my employer, I have all of my other insurance with USAA.

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    CoverageStaff

    Reviewed Dec. 8, 2015

    I am Type 1 Diabetic and feel like I am treated very differently from my husband for Life Insurance. I get policy letters more often, got coverage denied until the health check was completed, etc. The only reason I noticed a difference in treatment is because my husband. We use Modern Woodman for Life Insurance. The agent has been nice.

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    Reviewed Dec. 7, 2015

    My life insurance company is great. I have had no problems with them. I have not had to get in touch with them for any reason, but they are on top of things.

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    Coverage

    Reviewed Dec. 6, 2015

    My life insurance is fine, not too much and doesn't drain my wallet. I was hoping the coverage would be a little more. But, higher coverage goes outside my budget.

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    Customer Service

    Reviewed Dec. 5, 2015

    I am satisfied with the company but have not had a lot of interaction since only being a customer for a little over two years and in this time frame have not had any accidents either home or auto. Customer service has been great.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Dec. 4, 2015

    Very reliable. Customer service is very knowledgeable and caring. Their service is prompt and exceptional. We have had several claims and service has always been immediate and very efficient. At one point they contacted us several weeks later to make sure we were ok after the accident. They have helped us several times with roadside assistance. We have absolutely no complaints whatsoever. We trust and like USAA very much.

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    Customer Service

    Reviewed Dec. 2, 2015

    We have several products with USAA - banking, car insurance, life insurance and educational loans for our children. In the ten years we have been dealing with them, I have never has a rude CSR. They are very patient in explaining things that are sometimes difficult to understand and don't mind going over it a few times until you get it. I absolutely recommend USAA to all my friends and family!

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    Staff

    Reviewed Nov. 30, 2015

    My insurance company experience has been very good; the company is friendly, helpful and honest. I have used the same company for over 40 years and have found its products to be reliable and its personnel professional.

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    Coverage

    Reviewed Nov. 26, 2015

    My life insurance is very satisfied to me, because it a great solution to me, and my family. It work it when you need it. I welcome it with open arm. Because of this insurance I know my family have a future.

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    USAA Life Company Information

    Company Name:
    USAA Life
    Year Founded:
    1922
    Address:
    9800 Fredericksburg Rd.
    City:
    San Antonio
    State/Province:
    TX
    Postal Code:
    78288
    Country:
    United States
    Website:
    www.usaa.com