USAA is the only insurance company I have ever had. I also have my car loan, morgage, and life insurance through them. I used to be an auto adjuster for them, their is no one better if you get in an accident.
Everytime that an insurance salesman cold calls me I tell him that I have USAA. He always says "Oh and hangs up." No one can compete with them. Once I was playing golf on fathers day and I broke the windshield of the cart (don't ask how I always slice, never hook it). Any way I filed a claim with my renters insurance on Monday and had a check in my mailbox on Wednesday, what an awesome company!!!! Not to mention that I got four free rounds of golf at on of the nicest courses in Pensacola for being hinest and paying for their cart. The best part was that my rates didn't even go up.
I've used USAA for 28 years for auto and homeowner's insurance.
When I retired, I asked what they had to replace SGLI. I also asked if they had a war clause and told them I was an airline pilot. The war clause wasn't a problem, but being a pilot was. I reminded them I wasn't the only USAA member who was retired military and was an airline pilot. That comment received a lame response and I told them I'd look elsewhere. I also put my observations in writing. I did receive a written response which basically said USAA had to protect their assets and that any type of commercial aviation activity was an unacceptable risk.
A neighbor, also retired military, helped me obtain a policy to replace SGLI with no war clause and they didn't hold flying against me. My annual premium, for a $250,000 policy, is $400. The premium is higher if you don't pay annually.
The company is First Penn Pacific Life Insurance Company. I looked at others, including AFBA. Dollar for dollar, First Penn Pacific has more complete coverage than any I found.
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