fachalani

Life insurance is one of the most important parts of your family’s financial foundation, so it’s critical to choose the right insurer. The financial security of your loved ones depends on it.

What To Look For

While price is always a consideration, there are other factors you must consider to ensure that the best policy for your family will be there when they need it.

So how do you choose the best life insurer? Just ask them these questions.

What to Ask	What to Look For	USAA Life Insurance Companies1
What are your ratings from independent agencies like A.M. Best, Moody’s and Standard & Poor’s?	Look for companies with marks that place them in the highest — or second-highest — rating category.	We have consistently received high marks from A.M. Best, Moody’s and Standard & Poor’s so you can be confident benefits will be paid when your loved ones need them.2
Has your service been recognized by any independent sources?	Everyone claims to provide great service. Look for honors from respected sources and business journals.	BusinessWeek has honored USAA as “Customer Service Champs” for two consecutive years, and the company has received many other accolades.
Aside from sending a check, what do you provide for my beneficiaries?	Look for a company that provides your beneficiaries with competent advice — without sales pressure.	A dedicated team specializing in survivorship needs is ready to help your loved ones. We provide your beneficiaries a free consultation with a salaried CERTIFIED FINANCIAL PLANNER™3.
What special policy features do you provide for military servicemembers?	Look for companies who’ve created benefits that meet the needs and challenges associated with today’s military service.	We provide: No War Clause. If you die in combat we will honor your policy and pay your beneficiaries. Expedited processing of life insurance applications in case of deployment. Guaranteed future insurability, a benefit that allows you to increase your coverage after leaving the military, even if you’re injured. Additional benefits for severe injuries suffered while on duty.
Will I be able to manage my policy online?	A customer-focused company will let you manage your policy the way that is most convenient for you.	You can manage your life insurance policies in several convenient ways. Contact our phone representatives. Manage your policy on usaa.com. Use a web-enabled phone or PDA to manage your policy on mobile.usaa.com.