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Encyclopedia > USAA
United Services Automobile Association
Type Reciprocal
Founded 1922
Headquarters San Antonio, Texas, USA
Key people Joe Robles, CEO[1]
Greg Schwartz, CIO
Roger Chacko, CMO
Wayne Peacock, COO
Kristi Matus, CFO
Wendi Strong, CCO
Steve Bennett, Legal
Liz Conklin, HR
Chris Claus, Pres
Stuart Parker, Pres
David Bohne, Pres
Industry Financial Services
Products Insurance, Banking, Investing
Revenue $13.416 billion USD (2006) [2]
Employees ~21,800 (December 31, 2006)[2]
Website USAA.COM

United Services Automobile Association (USAA) is a Fortune 200 financial services company focused on providing banking, investing, and insurance to people and families that serve, or served, in the military of the United States and other selected federal agencies. Image File history File links Download high resolution version (636x654, 195 KB) Licensing File history Legend: (cur) = this is the current file, (del) = delete this old version, (rev) = revert to this old version. ... A reciprocal inter-insurance exchange, is an unincorporated insurance company referred to in United States state legislation as either a reciprocal insurance exchange, a reciprocal interinsurance exchange, or perhaps most properly a reciprocal inter-insurance exchange and is managed by an attorney in fact (AIF). ... Nickname: Location in the state of Texas Coordinates: Counties Bexar County Government  - Mayor Phil Hardberger Area  - City  412. ... For other uses, see Texas (disambiguation). ... Motto: (traditional) In God We Trust (official, 1956–present) Anthem: The Star-Spangled Banner Capital Washington, D.C. Largest city New York City Official language(s) None at the federal level; English de facto Government Federal Republic  - President George W. Bush (R)  - Vice President Dick Cheney (R) Independence - Declared - Recognized... Financial services is a term used to refer to the services provided by the finance industry. ... The Metropolitan Life Insurance Company is one of the largest New York based life insurance companies Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. ... For other uses, see Bank (disambiguation). ... Investment is a term with several closely related meanings in finance and economics. ... For the tax agency in Ireland of the same name, see Revenue Commissioners. ... USD redirects here. ... A fiscal year (or financial year or accounting reference date) is a 12-month period used for calculating annual (yearly) financial statements in businesses and other organizations. ... This article is about work. ... A website (alternatively, web site or Web site) is a collection of Web pages, images, videos or other digital assets that is hosted on one or more web servers, usually accessible via the Internet. ... It has been suggested that this article or section be merged into Fortune 1000. ... The United States Armed Forces are the overall unified military forces of the United States. ...


USAA was founded in 1922 by a group of U.S. Army officers to self-insure each other when they were unable to secure auto insurance due to the perception that they were a high-risk group.[3] USAA has since expanded to serve officers, NCOs, enlisted, and their families with a full range of property & casualty insurance, banking, life insurance, investment and financial planning products and services. An officer is a member of a military, naval, or if applicable, other uniformed services who holds a position of responsibility. ... A non-commissioned officer (sometimes noncommissioned officer), or NCO, is an enlisted member of an armed force who has been delegated leadership or command authority by a commissioned officer. ... It has been suggested that this article or section be merged into Military service. ... Property & casualty insurance is an insurance industry term for companies to define the type of products they provide and what category amoung insurance company they are. ... For other uses, see Bank (disambiguation). ... Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individuals or individuals death. ... Invest redirects here. ... Categories: Possible copyright violations ...


USAA does not sell or provide service for its insurance and other products through agents. Instead the company was one of the pioneers of direct marketing and most of its business is conducted over the Internet or telephone. A toll-free number was launched in 1978, and Internet support launched in 1999 via USAA.COM. Wikibooks has more about this subject: Marketing Direct marketing is a discipline within marketing that involves contacting individual customers (business-to-business or consumer) directly and obtaining their responses and transactions for the purpose of developing and prolonging mutually profitable customer relationships. ...

Contents

History

The organization was originally called the United States Army Automobile Association. In 1924, the name was changed to United Services Automobile Association, when members of other military services became eligible for membership. The company opened offices in Frankfurt, Germany and London, England, early in its history. Frankfurt am Main [ˈfraŋkfʊrt] is the largest city in the German state of Hessen and the fifth largest city of Germany. ... London — containing the City of London — is the capital of the United Kingdom and of England and a major world city. With over seven million inhabitants (Londoners) in Greater London area, it is amongst the most densely populated areas in Western Europe. ... For other uses, see England (disambiguation). ...


USAA is headquartered in San Antonio, Texas, occupying 286 acres (a former horse farm) with one of the largest single-occupancy buildings in the United States, rivaling the Sears Tower and The Pentagon.[4] San Antonio redirects here. ... For other uses, see Texas (disambiguation). ... The Sears Tower is a skyscraper in Chicago, Illinois. ... This article is about the United States military building. ...


The organization started offering homeowner's and life insurance in the 1960s, and brokerage and banking services in the 1980s. Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. ... Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individuals or individuals death. ... For other uses, see Broker (disambiguation). ... For other uses, see Bank (disambiguation). ...


In 1996, eligiblity was extended to enlisted personnel.[5]


Lines of business

Property, casualty, and life insurance

USAA offers a wide range of personal property and casualty (P&C) insurance including automobile insurance, homeowner insurance, renters insurance, and valuable personal property insurance. Auto insurance is insurance consumers can purchase for cars, trucks, and other vehicles. ... Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. ...


In addition to P&C insurance, USAA provides whole life insurance, term life insurance, and annuities. USAA's life insurance policies, while not completely unique in the industry, are different than most offerings since they do not include a war-exclusion clause[6] (also known as a "war clause"). Whole life insurance, or Whole of Life Assurance, refers to a policy that pays a lump sum on death or, in some cases, the earlier diagnosis of a critical illness whenever it occurs provided the contract is kept in force through the required payments being made. ... Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. ... Annuity contracts are offered by organizations and individuals that may accumulate value and take a current value and pay it out over a period of years. ...


Banking

Banking services and credit cards are provided by the USAA Federal Savings Bank. The bank was established in the early 1980s. According to the FDIC, as of June 2006, the bank held $20 billion in deposits with more than 2.5 million accounts. For other uses, see Bank (disambiguation). ... A credit card system is a type of retail transaction settlement and credit system, named after the small plastic card issued to users of the system. ... Federal savings associations (also called federal thrifts) are institutions chartered by the Office of Thrift Supervision pursuant to the provisions of the Home Owners Loan Act, a federal statute. ...


The bank has only one physical location in San Antonio, Texas. Services can be accessed in person, by mail, by phone, or through the internet. The bank provides the ability to deposit checks from home (remote deposit),[7] ATM fee rebates, free standard checks for the life of the account, free online bill pay, and bank-by-mail services. USAA was one of the few major banks to begin offering American Express cards in 2006 in addition to their traditional offering of Mastercard.[8] San Antonio redirects here. ... Remote deposit refers to the ability to deposit checks into a bank account from ones home or office without having to physically deliver the actual check to the bank. ... Cash machine redirects here. ... American Express (NYSE: AXP), sometimes known as AmEx or Amex, is a diversified global financial services company, headquartered in New York City. ... MasterCard Worldwide (NYSE: MA) is a multinational corporation based in Purchase, NY in the United States. ...


Investing and financial planning

USAA provides a limited discount brokerage service and a family of no-load mutual funds. Mutual funds established by other companies can also be purchased and held in USAA investing accounts. USAA also offers limited free Financial Planning advice, as well as a more thorough flat-fee or hourly-rate financial planning service. This article deals with U.S. mutual funds. ... Financial Advice is advice given in relation to financial matters such as investing, insurance, borrowing, saving and retirement planning. ...


Other services

USAA offers a mail-order catalog service which, among other things, is known for diamonds and jewelry. It has also made arrangements with other companies to provide discounts to USAA members on rental cars (Avis, Hertz, Budget), flower delivery (TeleFlora), cruises, ADT home security , and FedEx services. For its own investment purposes, USAA operates a real estate company [2] which has holdings including major office buildings, industrial buildings, hotels, and other properties through out the country. Avis can be: The car and truck rental firm Avis Rent A Car System Inc. ... This article is about the SI unit of frequency. ... For the rental car company, see Budget Rent a Car. ... This article or section does not adequately cite its references or sources. ... ADT is a three-letter abbreviation with multiple meanings, as described below: Abstract data type, a computer programming term Asynchronous data transer, a method of transferring data Automatic double tracking, an audio recording technology invented for The Beatles American Discovery Trail, a coast-to-coast hiking trail across the mid... Federal Express redirects here. ... A real estate developer (American English) or property developer (British English) makes improvements of some kind to real property, thereby increasing its value. ...


Target market

USAA's mission statement indicates its focus is to serve its niche market, which consists of members of the U.S. military and their families. To that end, they have always marketed directly to members of the U.S. military. USAA membership is offered to active-duty officers & enlisted personnel, National Guard and Reserve officers & enlisted personnel, and officer candidates. In 2008, membership eligibility was also extended to former military personnel under the age of 35.[9]. Children of USAA members are also eligible to purchase USAA's P&C insurance products, and former members of USAA are allowed to resume membership at any time (without an age limit). A niche market also known as a target market is a focused, targetable portion (subset) of a market sector. ...


Eligibility can be determined using its website [10]; however, the site does not contain a comprehensive statement of eligibility. USAA has, in the past, published a list [11] of other eligible persons including special agents of the FBI and Secret Service, agents of the various military investigative services (NCIS, OSI, and CID), U.S. Foreign Service Officers, and officers from a variety of other smaller agencies. Recently, USAA has been sharpening its focus on members of the military. So, people working for certain non-military agencies that were accommodated in the past may find that they are no longer eligible. [12] The Federal Bureau of Investigation (FBI) is a federal criminal investigative, intelligence agency, and the primary investigative arm of the United States Department of Justice (DOJ). ... USSS redirects here. ... NCIS Badge The Naval Criminal Investigative Service (NCIS) is the United States Department of the Navys primary law enforcement agency and successor to the former Naval Investigative Service (NIS). ... The Air Force Office of Special Investigations (AFOSI) is a Field Operating Agency (FOA) of the United States Air Force that provides professional investigative services to commanders throughout the Air Force. ... The U.S. Army Criminal Investigation Division (CID) is an American federal law enforcement agency that investigates serious violations of military law within the United States Army. ... The United States Foreign Service is a personnel system established under the Foreign Service Act. ...


Historically, only U.S. military officers (among certain other federally sworn officers) were eligible to join USAA, with descendants of USAA members able to purchase insurance from USAA-CIC. It did not matter if one was an active duty or retired officer, one could join at any time. In 1973, membership was opened to members of the National Guard and Reserves, and in the late 1990s, eligibility was expanded to enlisted members of the armed services. As the number of persons who have served on active duty in an enlisted status in the U.S. Armed Forces is quite large, USAA chose to limit the establishment of eligibility to those who are currently on active duty or who have recently separated. The same time limit on establishment of eligibility was then applied to military officers. Former members of the military may join USAA until they reach the age of 35.


Legal structure

One of the characteristics that allows USAA to operate differently than almost every other Fortune 500 company is that it is not a corporation. The parent company, United Services Automobile Association is an inter-insurance exchange, the establishment of which is provided for under the Texas Insurance Code [3]. This insurance exchange is made up of current and former military officers and NCOs who have taken out P&C policies with USAA; thus they simultaneously are insured by each other and, as a group, own USAA's assets. Theoretically, this implies that each member could be held completely responsible for all the losses of all the other members. However, the insurance code (Sec 942.142) stipulates that should an entity such as USAA accrue a substantial amount of assets, member liability is limited only to the premiums they have paid to USAA. In other words, if an enormous disaster were to result in claims that would wipe out all the assets of USAA, individual members could not legally be called upon to pay for any amount USAA is unable to pay out in claims. The Fortune 500 is a ranking of the top 500 United States corporations as measured by gross revenue. ... A non-commissioned officer (sometimes noncommissioned officer), also known as an NCO or Noncom, is an enlisted member of an armed force who has been given authority by a commissioned officer. ...


Other insurance services are provided by a variety of wholly-owned subsidiaries. Adult children of USAA members and U.S. military 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. This is a subtle nuance but is important concerning the return of profits - described below. Non-standard-risk drivers are insured by subsidiaries like USAA's County Mutual Insurance Company or USAA-General Indemnity Company. USAA also insures members in Europe through its subsidiary, USAA Limited. Providing international P&C coverage is uncommon for U.S. based insurance companies, but is provided because so many military families are stationed out-of-country.


Returning profits to the insured

Since there are no shareholders, profits are retained for financial strength or returned to the members. Returns are accomplished through a Subscriber's Savings Account, or SSA. Each year a portion of USAA's profit is retained as "unassigned," the rest is allocated to each member's SSA using a formula based on the amount of premium the member paid that year as well as the member's SSA balance. The allocation of capital to a member's SSA account occurs early in the calendar year. Late in the calendar year a portion of the member's SSA is distributed to the member via checks or electronic funds transfer. In 2006 the distribution amounted to 4% of the member's SSA balance. Members with more than 40 years of membership or more also receive a special yearly "senior bonus" distribution which amounts to 10% of the member's SSA balance.


The entirety of the SSA belongs to the member, but is only completely distributed if the member no longer has a USAA P&C policy.


Associate members sometimes receive policy dividends instead of distributions of profits, since they are not members of the insurance exchange.


Miscellaneous information

The stated mission of USAA is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services. In so doing, USAA seeks to be the provider of choice for the military community.


USAA has offices at its headquarters in San Antonio, TX, a second major office in Phoenix, AZ, as well as other smaller operations in Sacramento, CA, Colorado Springs, CO, Tampa, FL, Norfolk, VA, Highland Falls, NY, London, England and Frankfurt, Germany. The Alamo in San Antonio San Antonio is a city in the U.S. state of Texas. ... Phoenix is the capital, largest city and largest metropolitan area in the state of Arizona, United States. ... Sacramento is the county seat of Sacramento County, California and the capital of the U.S. state of California. ... Colorado Springs is a middle-sized city, located just east of the geographic center of the state of Colorado in the United States. ... Tampas skyline For alternate meanings, see Tampa (disambiguation) Tampa is a city located in Hillsborough County on the west coast of Florida. ... Norfolk, Virginia, viewed from Portsmouth, across the Elizabeth River Norfolk is a city in the U.S. state of Virginia in the United States of America. ... Location of Highland Falls in New York State Highland Falls, formerly named Buttermilk Falls, is a village in Orange County, New York, United States. ... London — containing the City of London — is the capital of the United Kingdom and of England and a major world city. With over seven million inhabitants (Londoners) in Greater London area, it is amongst the most densely populated areas in Western Europe. ... Frankfurt am Main [ˈfraŋkfʊrt] is the largest city in the German state of Hessen and the fifth largest city of Germany. ...


USAA experienced much of its growth under former CEO, retired Air Force Brigadier General Robert F. McDermott. The USAA building was constructed under his tenure and McDermott was also the driving force behind USAA's shift from service-by-mail to service-by-phone. He was succeeded as CEO by retired Air Force General Robert T. Herres. It was under the leadership of Herres that USAA expanded its services to enlisted members of the military and ventured into Internet based financial services. A Brigadier General, or one-star general, is the lowest rank of general officer in the United States and some other countries, ranking just above Colonel and just below Major General. ... Brigadier General Robert Francis McDermott (July 31, 1920 – August 28, 2006) was the first permanent Dean of the Faculty at the United States Air Force Academy, and later served as Chairman and CEO of USAA. He is often referred to as the Father of Modern Military Education for his contributions... To meet Wikipedias quality standards, this article or section may require cleanup. ...


USAA has more than 6 million members including those doing business with any of its subsidiaries who are eligible to purchase P&C insurance, whether or not they are actually holding a P&C policy. As of 2005 USAA had more than $96 billion in assets under management. Its revenues placed it as number 176 on the 2008 Fortune 500 list.[13]


Financial ratings

Since it is not a publicly traded corporation, USAA is not bound by the same corporate governance rules as publicly traded companies. Even so, USAA is subject to insurance regulation and examination by all 50 states as well as federal entities like the SEC, FTC, and FDIC. In addition, its records are audited by Ernst & Young as well as the major financial rating agencies. Ernst & Young is one of the largest professional services firms in the world, and one of the Big Four auditors, along with PricewaterhouseCoopers (PwC), Deloitte Touche Tohmatsu (Deloitte) and KPMG. Ernst & Young is a global organization consisting of many member firms. ...

A.M. Best is a NRSRO (Nationally Recognized Statistical Rating Organization) by the U.S. Securities and Exchange Commission. ... Moodys Corporation (NYSE: MCO) is the holding company for Moodys Investors Service which performs financial research and analysis on commercial and government entities. ... The Standard and Poors Corporation (S&P), a subsidiary of McGraw-Hill, is a company that performs financial research and analysis on stocks and debt instruments. ...

Service ratings

USAA consistently receives the highest customer service ratings available to all financial services companies, not just those in its niche. For its consistently highly-rated customer service, in 2002 JD Power awarded USAA with its Chairman's Award[14], which at that time had only been awarded to 10 companies, none of them in the financial services arena. Since then, USAA has remained at the top of the JD Power ratings for auto insurance[15], home insurance [15], and has also received high JD Power ratings for home equity loans [15] and retail banking services.[15] J.D. Power and Associates is a global marketing information services firm founded in 1968 which provides consumer ratings on goods from cars to restaurants. ... J.D. Power and Associates is a global marketing information services firm founded in 1968. ... J.D. Power and Associates is a global marketing information services firm founded in 1968. ... According to investopedia. ...


In their March 5, 2007 issue, BusinessWeek[16] ranked USAA first in their[17] of "Customer Service Champs", a list of 25 national businesses which included the likes of Four Seasons Hotels, Lexus and Starbucks. USAA repeated as first on BusinessWeek's list in their March 3, 2008 issue.[18] This article is about the day. ... Year 2007 (MMVII) was a common year starting on Monday of the Gregorian calendar in the 21st century. ... BusinessWeek is a business magazine published by McGraw-Hill. ... This article needs additional references or sources for verification. ... Lexus is the luxury vehicle division of Japanese automaker Toyota Motor Corporation. ... For other uses of Starbuck, see Starbuck. ... is the 62nd day of the year (63rd in leap years) in the Gregorian calendar. ... 2008 (MMVIII) is the current year, a leap year that started on Tuesday of the Common Era (or Anno Domini), in accordance with the Gregorian calendar. ...


A 2007 Forrester Research report referenced in the San Antonio Express-News on June 27, 2007,[19] identified USAA as the leader in customer advocacy based on a customer survey. Eighty-eight percent of the USAA customers surveyed said "My financial provider does what's best for me, not just its own bottom line." No other company evaluated scored higher than 78%. is the 178th day of the year (179th in leap years) in the Gregorian calendar. ... Year 2007 (MMVII) was a common year starting on Monday of the Gregorian calendar in the 21st century. ...


Employment

USAA employs more than 21,500 personnel at its offices throughout the country, and was cited as one of America's best IT employers in 2006.[4] It has also been recognized specifically as one of America's best employers for former members of the military[5].


USAA was ranked 17th on the Computerworld 100 Best Places to Work for IT Professionals in 2006, and 39th in 2007. [6] In the 2007 Computerworld rating only one company with more IT employees was ranked higher than USAA and only one Texas company with 100 IT employees was rated higher. Computerworld is an IT magazine that provides information to technology managers. ...


USAA offers a 401(k) with 8% matching, a full-pay-period Christmas bonus, an annual performance bonus of 10% to 20% for all employees (higher for management), an annual 401k retirement performance bonus, tuition reimbursement, on site fitness and day care centers, on site cafeterias and food courts, on site Starbucks, a company store, an online discount employee shopping mall, on site pharmacy, free covered parking, subsidized van pools, patent bonuses, as well as USAA membership. The 401(k) plan is a type of employer-sponsored defined contribution retirement plan under section 401(k) of the Internal Revenue Code () in the United States, and some other countries. ...


Competition

In focusing its efforts to serve only its niche, USAA is unique in that it is the only Fortune 500 financial services company that focuses primarily on serving members of the U.S. Military and their families.


Insurance

A major automobile insurance competitor is GEICO, while life insurance competitors include the government's own Servicemembers' Group Life Insurance, AAFMAA (Army and Air Force Mutual Aid Association), and USBA. The Government Employees Insurance Company, usually known by the acronym GEICO, is an American auto insurance company. ... Servicemembers Group Life Insurance, or SGLI, is a heavily subsidized life insurance product available to active members of the United States Armed Forces, including ready reservists, commissioned members of NOAA and the Public Health Service, cadets and midshipmen in one of the four service academies, and members of the Reserve...


Banking

Major banking competitors include Bank of America-Military Bank, Pentagon Federal Credit Union, and the Navy Federal Credit Union. Bank of America (NYSE: BAC TYO: 8648) is the largest commercial bank in the United States in terms of deposits, and the largest company of its kind in the world. ... Pentagon Federal Credit Union is a Federal credit union headquartered in Alexandria, Virginia, chartered and regulated under the authority of the National Credit Union Administration (NCUA). ... Navy Federal Credit Union is a credit union headquartered in headquartered in Merrifield, Virginia and chartered and regulated under the authority of the National Credit Union Administration (NCUA). ...


References

  1. ^ Robert G. Davis Retires As Chairman and CEO of USAA
  2. ^ a b "USAA 2006 Report to Members." Retrieved on April 23, 2007.
  3. ^ Spechler, Jay W. (1996). Reasonable Accommodation: Profitable Compliance With the Americans With Disabilities Act. , p. 229.
  4. ^ Chordas, Lori (November 1, 2002), “The ultimate niche: USAA's commitment to serving only people connected to the military, and its unusual structure and sales strategy, set it apart from the rest of the insurance industry.”, Goliath Business News, <http://goliath.ecnext.com/coms2/summary_0199-2199998_ITM>. Retrieved on 8 February 2008 
  5. ^ USAA fact sheet retrieved April 16, 2008
  6. ^ Answers.com
  7. ^ USAA,com secure site
  8. ^ American Express.com
  9. ^ Eligibility Page
  10. ^ usaa.com
  11. ^ Eligibility
  12. ^ Afsa.org
  13. ^ USAA 2008 Fortune 500 entry
  14. ^ JD Power
  15. ^ a b c d [1]
  16. ^ Business Week
  17. ^ list Business Week
  18. ^ Business Week
  19. ^ San Antonio Express-News

is the 113th day of the year (114th in leap years) in the Gregorian calendar. ... Year 2007 (MMVII) was a common year starting on Monday of the Gregorian calendar in the 21st century. ... is the 305th day of the year (306th in leap years) in the Gregorian calendar. ... Also see: 2002 (number). ...

External links

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The San Antonio Botanical Garden (33 acres) is a non-profit botanical garden located at 555 Funston Place, San Antonio, Texas. ... Image File history File links Flag_of_San_Antonio,_Texas. ... The Alamodome is a multi-purpose facility that is primarily used as a football/basketball stadium and convention center in San Antonio, Texas, USA. The facility opened on May 15, 1993, at a cost of $186 million. ... The AT&T Center is an indoor arena located in San Antonio, Texas, USA. It was completed in 2002 as the SBC Center at a cost of $175 million, financed by county issued bonds which were supported by a hotel-occupancy and car rental tax increase and an additional contribution... The 2007 season Fiesta Noche del Rio is a seasonal outdoor performance which features the songs and dances of Mexico, Spain, Argentina, and Texas. ... 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Butt Grocery Company (abbreviated H-E-B) is a privately held San Antonio, Texas-based supermarket chain with over 300 stores throughout Texas and northern Mexico. ... There are very few or no other articles that link to this one. ... The San Antonio Express-News is the daily newspaper of San Antonio, Texas. ... Tesoro Corporation NYSE: TSO is a FORTUNE 500 company headquartered in San Antonio, Texas, with 2004 annual revenues of $12. ... Valero Energy Corporation (NYSE: VLO) is a Fortune 500 company based in San Antonio, Texas, with 21,836 employees and annual revenue of more than US$90 billion. ... Toyota Motor Manufacturing Texas is a truck factory near San Antonio, Texas. ... Being a Catholic institution, CSRHC is affiliated with the University of the Incarnate Word at San Antonio. ... Founded in 1985 in Kansas, USA, by Tim Jenison, NewTek produces video post-production and imaging tools for personal computers. ... Taco Cabana is a US-based fast food restaurant chain specializing in Mexican food. ... Brooks City-Base is a former United States Air Force base in San Antonio, Texas, that was established in 1918. ... Brooke Army Medical Center is a University of Texas Health Science Center teaching hospital in Fort Sam Houston, San Antonio. ... Fort Sam Houston is a U.S. Army post in San Antonio, Texas. ... Lackland Air Force Base is a base of the United States Air Force located in the western area of San Antonio, Texas, USA. Lackland AFB is the only entry processing station for Air Force Basic Military Training (BMT). ... Randolph Air Force Base (Randolph AFB) is a base of the United States Air Force located in Bexar County, Texas near San Antonio. ... The San Antonio Public Library is a collection of a Central Library and 24 branch libraries (as of the fall of 2007) that serve the City of San Antonio. ... The South Texas Medical Center is a conglomerate of numerous major hospitals, clinics, and research and higher educational institutions, located in San Antonio, Texas. ... St. ... Southwest Foundation for Biomedical Research (SFBR) is a large private research institute located in San Antonio Texas. ... Southwest Research Institute (SwRI) is an independent, nonprofit applied research and development organization. ... Trinity University is an independent, primarily undergraduate, liberal arts and sciences university in San Antonio, Texas. ... UTSA is San Antonios largest university. ... The UT Health Science Centers administration building. ... The University of the Incarnate Word (UIW) is located in San Antonio, Texas. ... Our Lady of the Lake University was founded in 1895 by the Sisters of the Congregation of Divine Providence, a religious order begun in 18th century Lorraine, France. ... The Alamo Community College District is a system residing in San Antonio which currently governs over 5 Community Colleges. ... Located in San Antonio, Texas, the Cancer Therapy & Research Center (CTRC) is one of the nation’s leading academic research and treatment centers. ... Texas A&M University–San Antonio is a public university in San Antonio, Texas, USA that is expected to open in the fall of 2009. ... CCRI is a part of the UTHSCSA. The Childrens Cancer Research Institute is a research center in San Antonio, Texas. ... CCRI is a part of the UTHSCSA. The Texas Neuroscience Institute is a research and neurological clinical center in San Antonio, Texas. ... University Hospital is one of the nations top ranking hospitals. ... Facade view from west Another view The Bexar County Courthouse is an historic building in downtown San Antonio, Texas. ... A pair of Texas-sized cowboy boots near the Saks Fifth Avenue greets drivers along Loop 410. ... The Pearl Brewing Company also known as the Pearl Brewery (Pearl) was an American brewery, established in 1883 in San Antonio, Texas. ... Rivercenter is a shopping mall located in downtown San Antonio, Texas along the River Walk. ... The Henry B. Gonzalez Convention Center and Lila Cockrell Theater along the San Antonio River Walk. ... San Antonio International Airport (IATA: SAT, ICAO: KSAT) is a commercial airport in San Antonio, Texas. ... San Antonio Springs is the name of a cluster of springs in Bexar County, Texas. ... The Shops at La Cantera is an upscale open-air regional shopping mall located in northwest San Antonio near the Loop 1604 and I-10 Interchange. ... Categories: Possible copyright violations ...

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USAA - Wikipedia, the free encyclopedia (615 words)
Adult children (known in USAA-lingo as "associate members") of USAA members are eligible to be insured through a wholly-owned subsidiary which is run as a corporation, not an insurance exchange.
The stated mission of USAA is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community.
USAA received a higher overall score than Amica, but is not included in the rankings because it is only open to U.S. military personnel and their families.
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COMMENTARY     

Troy Jones
30th November 2010
Quite cool company background i just dropping by coz I was searching for some Car Insurance on the web. Coz I need some ideas for site : http://insureright.biz/, I read this article and it give a lot of ideas. Cheer Up!
Auto Insurance
30th August 2010
This sounds like a really interesting thing that I just never had heard of before. I really think that it is awesome that the military has something like this within the system. Keep it up guys! www.pacstarinsuranceaz.com

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