USAA Opens Doors to All Military

[El-Rushbo]

At my current command, taken as a straight percentage, for the year 2009 so far, the numbers do not indicate that O's are any less likely to have an alcohol-related incident(including DUI) than junior enlisted personnel.

Maybe you got taught some of that "new math" from a few years back but "taken as a striaght percentage, for the year 2009 so far, the numbers" MOST CERTAINLY DO indicate that O's ARE less likely to have an alcohol related offense.

And USAA's concerns aren't just for DUI. It's overall safety and responsibility. Something your average 18 to 24 year old still has a lot to learn. That age group is very inclusive of the Es and very exclusive of the Os due to college graduation requirements.

Add to that the higher screening Os go through for selection to the service on personal and financial responsibility. Let's face facts. Os are there to lead the Es. We expect leaders to be a bit more on the judgement and responsibility side. Not to say there aren't some dirtbag Os out there or some really intelligent, educated and responsible Es. It's just that the percentages stack these qualities more in the Os favor and USAA in the past used this to their pricing advantage. Now they are accepting more risk with taking on thousands of 18 to 24 year olds which requires a little more pay premiums to cover the influx of a higher risk group.

/Former USMC CPL

 

[Pilotbob3]

free market.... got to love it...

Short term greed....gotta love it.....

 

[chignutsak]

..Not to say there aren't some dirtbag Os out there or some really intelligent, educated and responsible Es...

Hmmm, so by your logic, except for those rare intelligent, educated and responsible enlisted personnel, the remainder are unintelligent, uneducated, and irresponsible? That's an interesting assertion. USAA and I disagree. Their actuaries have everything under a microscope, I'm sure, and would not take on risk that did not make sense. I say that based on USAA's decades long record of conservative management. At any rate, this is mainly an automotive discussion, as relatively few 18-24 year old E's (or O's) are property owners yet.

 

[Hobit]

Holy 'panties in a wad'!

 

[Draginass]

USAA is just another insurance company now. Compare rates and coverage. Go with the best deal. USAA has purposely shed its image as a rather exclusive insurer.

 

[pilotyip]

USAA is just another insurance company now. Compare rates and coverage. Go with the best deal. USAA has purposely shed its image as a rather exclusive insurer.

Don't agree, but you may be right and only time will tell. But I am not changing after 44 years.

 

[Huggyu2]

I've been with USAA for over 25 years. That said, I'll dump them in a heartbeat if this changes the overall rates significantly,... which I think it will.
I believe it is a mistake for the members. But, then again, it's about profits for USAA.
We'll see.

 

[Clacker]

I've been with USAA for over 25 years. That said, I'll dump them in a heartbeat if this changes the overall rates significantly,... which I think it will.
I believe it is a mistake for the members. But, then again, it's about profits for USAA.
We'll see.

I may be mistaken, but I believe that your rates at USAA as a current or former officer/NCO are better than the rates offered to other groups. Junior enlisted and offspring are insured through USAA-CIC, rather than the USAA most of us are familiar with. Here's a quote from Wikipedia:

"Adult children of USAA members and U.S. military junior enlisted personnel make up a group known at USAA as "associate members" insured through a subsidiary called USAA-Casualty Insurance Company (USAA-CIC). USAA-CIC is not an insurance exchange but rather a Delaware Insurance Corporation."

 

[JAFI]

More elitist “there goes the neighborhood” crap. Or “How could they let THOSE people in the Country Club”? And people wondered why fraggen officers was so popular.

 

[Hobit]

More elitist “there goes the neighborhood” crap. Or “How could they let THOSE people in the Country Club”? And people wondered why fraggen officers was so popular.

More : Holy 'panties in a wad'!

 

[Tweetdrvr]

The service is definitely not what it used to be. Two years ago the frau was hit while sitting at a red light by an uninsured motorist who handed the police officer a card showing proof of insurance. USAA paid the claim, and I paid the deductible. Six months after the accident, they inform me they were unable to collect from the motorist who hit our car and they had determined their insurance policy had been cancelled due to lack of payment. I was told to try small claims court to get my money. YGBSM!!! I pay premiums so their lawyers can collect my minor and get it back to me. That is not what I expect in terms of quality customer service. I think I am gonna follow Albie and jump ship also.

 

[ExAF]

Riiiiiight.

More elitist “there goes the neighborhood” crap. Or “How could they let THOSE people in the Country Club”? And people wondered why fraggen officers was so popular.

:crying: Yes...that's it. You figured us all out. While we're at it....stay off my golf course and I'll stay out of your bowling alley.

 

[JAFI]

Not once did I say “All of Us (or you)”. But I guess you took it that way. I was speaking of elitist attitude. The kind where their group decides it is better than another. It makes one wonder if such a group is over compensating for some other area (appendage) they are lacking in.......

It is still a free country and if USAA wants to sell insurance to the "Bowling Alley" croud it can.

And by the way, there is a bowling ally in the White house.

 

[Hobit]

Not once did I say “All of Us (or you)”. But I guess you took it that way. I was speaking of elitist attitude. The kind where their group decides it is better than another. It makes one wonder if such a group is over compensating for some other area (appendage) they are lacking in.......

It is still a free country and if USAA wants to sell insurance to the "Bowling Alley" croud it can.
And by the way, there is a bowling ally in the White house.

I thought the basket ball court was supposed to replace the bowling alley.
I guess that was a lie too.

BTW, if you quote something on this forum you can more accurately respond and not come across like you're painting with such a broad brush. Unless of course you are trying to do that like in the CFI Mil Comp thread.

 

[Huggyu2]

Unless of course you are trying to do that like in the CFI Mil Comp thread.

I should mention that I passed the Mil Comp Test on Wednesday, and should have my CFI, CFII, and MEI in hand this coming week. How cool is that?!
I can't wait to run out and instruct anyone I can find for $20 an hour!! Guess I better figure out how to do those pesky endorsements.

 

[JAFI]

I can't wait to run out and instruct anyone I can find for $20 an hour!! Guess I better figure out how to do those pesky endorsements.

I'm so happy you are taking the certificate and the responsibility so seriously.

But that is another thread and issue. If you don't feel you can pass the current CFI process (like so many other former IP's did before you) then go for the freebe. As always you usually get what you pay for. Let's hope your students get that $20 worth.

 

[ExAF]

Not once did I say “All of Us (or you)”. But I guess you took it that way. I was speaking of elitist attitude. The kind where their group decides it is better than another. It makes one wonder if such a group is over compensating for some other area (appendage) they are lacking in.......

It is still a free country and if USAA wants to sell insurance to the "Bowling Alley" croud it can.

And by the way, there is a bowling ally in the White house.

Your post used a broad brush that basically called all officers elitist and used an incorrect subject/verb tense combination to do it. I responded in kind with a little sarcasm thrown in for effect. Talk about compensating for lack of appendage. I know there is a bowling alley in the White House, but who cares. That brings up an interesting point...Is the president eligible for USAA insurance?

 

[JAFI]

He is Commander and Chief but not an Officer or Enlisted........ Do you think USAA would deny him coverage???

I never called all Officers any thing. My comment was to the poster who was grouping Enlisted as not worthy of USAA.

 

[Hobit]

then go for the freebe.

WOW! Sour Grapes!

The former enlisted past clears up your disdain for the over due Credit I will get.

 

[Hobit]

oh...or was that painting with a 'Jafi' brush?

 

[JAFI]

WOW! Sour Grapes!

The former enlisted past clears up your disdain for the over due Credit I will get.

Not enlisted distain at all. I have worked with dozens of former military IP's. Some are very good, some fair and some I wonder how they ever got wings at all. By "Giving" a CFI to some one who was a IP once in their life with out any other check is a gift. It is not the good or fair former IP's I have a problem it is the "Wonders" who will not be checked prior to their CFI.

But when they screw up they will discover what a 44709 is and be "re-examined" by an FAA Inspector using the CFI PTS.

As for your "Due Credit", only time will tell. Not knowing what your background is/was I have no idea how good you are. I just do not think giving out CFI's will help in any standardization of the Instructor pool. In my experience the pilots who stand up and demand respect for past experience may not be able to do so well now. The ones that do the job with out bravado usually don't need it.... A good friend of mine has a fist full of medals he was awarded in Vietnam. He was shot up and shot down several times. It is funny how he is not pounding on my desk to fill out his Military comp CFI. Not once has he said he is due any thing. I have the form ready when he shows up. I have seen him teach and he can teach any of my family, any time.

Oh, and I was Enlisted and an Officer. I have had other titles, now I am an Inspector.

 

[Hobit]

Not enlisted distain at all. I have worked with dozens of former military IP's. Some are very good, some fair and some I wonder how they ever got wings at all. By "Giving" a CFI to some one who was a IP once in their life with out any other check is a gift. It is not the good or fair former IP's I have a problem it is the "Wonders" who will not be checked prior to their CFI.

But when they screw up they will discover what a 44709 is and be "re-examined" by an FAA Inspector using the CFI PTS.

As for your "Due Credit", only time will tell. Not knowing what your background is/was I have no idea how good you are. I just do not think giving out CFI's will help in any standardization of the Instructor pool. In my experience the pilots who stand up and demand respect for past experience may not be able to do so well now. The ones that do the job with out bravado usually don't need it.... A good friend of mine has a fist full of medals he was awarded in Vietnam. He was shot up and shot down several times. It is funny how he is not pounding on my desk to fill out his Military comp CFI. Not once has he said he is due any thing. I have the form ready when he shows up. I have seen him teach and he can teach any of my family, any time.

Oh, and I was Enlisted and an Officer. I have had other titles, now I am an Inspector.

Threats? You continue to play the part. When asi's pound their chests it furthers the negative stereotypes.

Thankfully I can hope you are a bored CFI and not a real FAA employee with the proverbial chip on your shoulder. I'll go forward with the better interactions with FAA employees as a frame of reference and lump you in with the 'other two' appendage challenged people I met from the FAA.

Again, before you continue to beat the shrill drum of 'standardization', address your own agencies lack of it.
Enjoy your bitterness.
Been fun.

 

[ExAF]

Ok?

He is Commander and Chief but not an Officer or Enlisted........ Do you think USAA would deny him coverage???

I never called all Officers any thing. My comment was to the poster who was grouping Enlisted as not worthy of USAA.

OK...if that's the way you think it reads. Makes me wonder if you have "English Proficient" on your ticket. I don't think the "Commander in Chief would qualify for USAA, especially with that bowling alley in his house.