1. We had power of attorney on his account, USAA insisted that it had expired 30 days after he died and we had to get a new one.
2. We offered the will with executor instead of the POA it took 2 months for USAA to accept it.
3. USAA denied for 2 month that there was a “Subscriber Account” associated with my Dad, a retired LTC, finally after me insisting to keep talking to managers they acknowledged it existed, with over $5K in it.
It was very difficult to deal with them, not the USAA that I joined in the 70s.
I helped the wife of a deceased friend a few years ago. Apparently that was the time USAA was experimenting with being socially responsible.
It took a few phone calls and a few weeks but it was sorted out in the end. The company ended the experiment and it has been good ever since, same as it was before.