If my brother is a USAA member can I join?

UPDATED: Feb 4, 2019

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UPDATED: Feb 4, 2019Fact Checked

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Asked February 4, 2019

1 Answer

The short answer is no. You do not meet the membership eligibility requirements. USAA membership, insurance, and services are only open to current or former members of the military and military families.

By military families, they mean spouses and children of military members. Unfortunately, this does not include siblings, parents, cousins, etc. Unless you are now or have been a member of the U.S. military services, you are not eligible to join. If you were in the Army, Navy, Marines, Air Force, Coast Guard, National Guard, or the Reserves, or attended one of the corresponding service academies, you are eligible for USAA Membership Services.

Any widows, or widowers, of a service member that had USAA auto or property coverage while their spouse lived also meet the eligibility requirements for USAA membership. You do have to be formally married, though.

Un-remarried former spouses are also eligible. So if you are the ex-spouse of a USAA member and had auto or property coverage while you were married, and have not yet remarried, you may join USAA. Adult children in a USAA eligible family also qualify for USAA insurance. So if your parents have or have had USAA insurance, you may join. In that case, the answer would be yes, but not because your brother is a member. 

Can Military Kids Get USAA Coverage If Their Parent Has Passed On?

The big question for military kids is if their military parent(s) had a USAA account. If they did before they passed on, the children of that service member can also sign up with the deceased's USAA member for reference. If the service member did not sign up, their kids cannot either.

Can Officer Candidates Get USAA Benefits?

USAA's website offers benefits for active duty military members. You may also qualify if you're enlisting or commissioning. If you're in an early commissioning program, you're eligible to apply within 12 months after commissioning. 

What Are The Benefits of USAA Membership?

USAA membership services include banking, life insurance, credit cards, investment products, and more. They offer low rates on property insurance policies further helping those eligible for VA loans. USAA is also known for affordable auto insurance and life insurance products.

Members also enjoy banking benefits including mortgage and car loans and more. They offer competitive insurance rates and loan rates for members. You would need to have a parent, spouse, or yourself be a member of the armed services to qualify.

Answered February 11, 2019 by InsuranceStar

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