Advice & Educational Videos

Our advice videos

[{"headlineText":"Making family decisions about life insurance","imagePath":"","time":"2 minutes 15 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"xbZQMzcaWgD6We1AyRWFQU","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDescription of visual information: [USAA Life Insurance Company | USAA life Insurance Company of New York] End of description.\nLife can be risky. From staying healthy during a pandemic to the rising costs of housing, fuel and food, we’ve seen a lot. So, who couldn’t use a little more peace of mind these days? \n\nHere's an idea: Why not see if life insurance can help with that?\nAll your family members should have the protection of life insurance. A death in the family can have long-term impacts you probably haven't thought about. For example, imagine what your family's financial situation would look like if you died tomorrow and they lost your income. That's where life insurance can offer peace of mind. It offers money that can help with the important things that keep a family financially secure.\nBut how can you know how much life insurance your family needs?\nRemember this acronym: L.I.F.E.\n"L" is for your Liabilities.\n"I" is for Income that could need replacement.\n"F" is for Final expenses after a death.\nAnd "E" stands for Education or Extra goals that might need financing.\nYou should consider all of these things when choosing the amount of coverage you need.\nEach family has unique needs. For example, the needs of a single-parent household with minor children would be very different from those of a middle-aged couple with no children. And consider this: Even in families that have a nonworking spouse, what they contribute to the household in the way of services like childcare and other tasks at home has value. What if you had to pay someone to do those things? It all adds up.\nIf your family includes children, it may be good to think about life insurance for them, too. It can give them a head start on financial security if they later convert it to their own policy after they reach adulthood.\nConversations about life insurance and your family's need for it can be hard, but they can contribute to a lifetime of peace of mind.\nIf you need help getting started, visit <a href=\"/inet/wc/insurance_life_main\">usaa.com/life</a> to learn more and get a personalized assessment of your family's needs. Or to speak with one of our life insurance specialists, call 800-531-LIFE (5433).\nDescription of visual information: [USAA Life Insurance Company | USAA life Insurance Company of New York.\nLife insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.\nDID # 7623953] End of description.\n<h3>End: Elapsed time 2 minutes 15 seconds [02:15]</h3>\n","videoTitle":"Making family decisions about life insurance","videoDurationDisplay":"2 minutes 15 seconds","modalId":null},{"headlineText":"Protecting your kids from online identity theft","imagePath":"","time":"3 minutes 2 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"aQgKLCH7wwcCD4kFMfGDYa","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 seconds [0:00]</h3>\nIdentity thieves are out there, and kids can be prime targets. Cybercriminals are always on the hunt for any personal information they can get their hands on, things like Social Security numbers, names and addresses, and dates of birth. How can you know if your child's information has been compromised?\nHere are some warning signs for parents:\n<ul>\n<li>Bills or preapproved credit card offers for your child arrive in the mail.</li>\n<li>You receive IRS letters about taxes that your child owes.</li>\n<li>You get calls from collection agencies about accounts in your child's name.</li>\n<li>You're denied government benefits because someone is already receiving them with your child's Social Security number.</li>\n<li>Your child applies for a student loan and is denied due to poor credit history.</li>\n</ul>\nIf any of these happen, check to see if a credit report in their name exists. If it does, notify all three credit bureaus, the Federal Trade Commission and each financial institution that has fraudulent accounts in your child's name. If your child is younger than 16, place a security freeze on their credit report. It will remain in place until you or your child removes it, and it will help protect their information from being used fraudulently again. If 16 and over, they can request this themselves.\nThere are steps you can take to protect your child's identity:\n<ol>\n<li>Ask a lot of questions. Whenever an institution requests your child's Social Security number, ask how it will be used or if you can provide another form of ID. \n</li>\n<li>Protect Social Security cards. Memorize the number and keep the card locked in a secure location. \n</li>\n<li>Pay attention to online activities. It's a good idea for you to know the different programs and networks your child is using. You should also find out whether access to those systems is based on your child answering personal questions to establish their online profiles. \n</li>\n<li>Understand privacy policies. Take the time to read that information and see how personal information might be used. \n</li>\n<li>Avoid oversharing. This can be tough in the age of social media. Help your child set up their social media profiles with as many privacy settings in place as possible.</li>\n</ol>\nWhen it's time for your child to have a bank account, you'll want to look for banks who offer security features that can alert you of suspicious activity. For example, a USAA Federal Savings Bank Youth Spending account offers tools to help you monitor how it's being used, like text alerts on the balance and debit card lock and unlock features if the card is misplaced.\nAvoiding child identity theft takes vigilance from you and your kids. A youth account can be a safe place for your child to keep their money and develop good spending and saving habits. If you're aware of the possible dangers, you can protect your children's information today and help set them up for success in the future. Visit <a href=\"/banking/youth\" target=\"_self\">usaa.com/youthbanking</a> to learn about our account safety features and get started today.\nDescription of visual information: [The USAA Advice Center provides general advice, tools and resources to guide your journey. Content may mention products, features or services that USAA Federal Savings Bank does not offer. The information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates. All information provided is subject to change without notice.\nMembership eligibility and product restrictions apply and are subject to change. Deposit products and services offered by USAA Federal Savings Bank, Member FDIC. 8180468] End of description.\n<h3>End: Elapsed time 3 minutes 2 seconds [3:02]</h3>\n","videoTitle":"Protecting your kids from online identity theft","videoDurationDisplay":"3 minutes 2 seconds","modalId":null},{"headlineText":"First financial steps to take when joining the military","imagePath":"","time":"3 minutes 7 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"mg3ig8ceamCfHTexspXZRC","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nWhen you enter the military, you will need to set a direct deposit. That is where your monthly paycheck is automatically deposited into your bank account. Without a plan for how you'll spend and save your money, it's easy to go into debt or fall short of your long-term goals. A budget helps you organize your spending.\nQuick tip. If you're an officer, you'll need to budget for uniform purchases. If you're an enlisted member, you'll have a clothing allowance. But use it wisely so that you can use your paycheck to meet other financial goals.\nIf an accident occurs, do you have enough cash on hand to replace all your possessions, including your military uniforms? Most of us don't. If you fall into that category, consider a cost-effective insurance like renter's or a valuable personal property policy to reduce the financial setbacks if a loss occurs. A renter's policy would cover all of your valuables and military gear in the barracks or a rental property. A valuable property policy would provide extra protection for special items such as guns or smartwatches.\nYour new budget should include money for emergencies. We never know when an emergency will happen, so it's nice to have money set aside to help during troubled times. Start with an initial goal of $1,000 and then work toward a fully funded emergency fund of three to six months of living expenses. Even setting aside $25 out of each paycheck will get you there over time.\nAnother key part of your budget will be funding your retirement savings. Set a goal of saving at least 10% of your income for retirement. If you have debt or other competing financial obligations, you may not be able to do the entire amount. But starting small is better than not starting at all. With each raise or promotion, you can increase the amount you save. As a military member, you have the Thrift Savings Plan available to you. If you are under the Blended Retirement System, remember that if you contribute 5% of your paycheck into the Thrift Savings Plan, once eligible, the DOD will match your 5% with 5%, which is free money.\nWhile that fancy new sports car or decked out truck looks appealing at the dealership, it might not fit within your budget. Your goal is to keep the total cost of ownership that includes your payment, insurance, gas, maintenance, and repairs limited to 10% to 15% of your monthly income. A reliable used vehicle might be a better choice than a new car.\nPredatory Lenders are ready to step in when you need cash fast, but the terms are often unfavorable to you. The interest rate in particular will be much higher than it would be through other sources. If you need cash fast and don't have an emergency fund, military relief associations like the Air Force Aid Society or the Army Emergency Relief are there to help.\nAlso, once the situation is over, prioritize your emergency fund so you are better prepared the next time an emergency arises. For more information and advice around steps to take as you are joining the military, please visit usaa.com/militaryjoining.\nDescription of visual information: [Copyright (C) 2023 USAA. This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\nUSAA means United Services Automobile Association and its affiliates.\nNo Department of Defense or government agency endorsement. Information subject to change.\nNC] End description of visual information.\n<h3>End: Elapsed time 3 minutes 7 seconds [03:07]</h3>\n","videoTitle":"First financial steps to take when joining the military","videoDurationDisplay":"3 minutes 7 seconds","modalId":null},{"headlineText":"Wildfire preparation","imagePath":"","time":"2 minutes 26 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"ydW5C2rC6dTi72o6UkhC8r","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 seconds [00:00] \n</h3>\nPreparing for wildfires can be as simple as being proactive and having a plan. In conjunction with helpful steps provided by IBHS, the Insurance Institute for Business and Home Safety, here are some ways to help you and your loved ones stay safe.\n<h3>Protect the Outdoors: Elapsed time 17 seconds [00:17]</h3>\nProtect the outdoors. Focus on the five feet immediately surrounding your home and follow these steps:\n<ul>\n<li>Reduce flammable vegetation in the buffer zone around your home.</li>\n<li>Remove branches that hang over your roof or come within 15 feet of the chimney.</li>\n<li>Place flammables, such as woodpiles, propane tanks and gas grills, at least 30 feet from all structures.</li>\n<li>Remove flammable materials like lawn furniture from the area surrounding your house.</li>\n<li>Don't park boats, RVs or other vehicles in this zone.</li>\n</ul>\n<h3>Protect the Indoors: Elapsed time 50 seconds [00:50]</h3>\nProtect the indoors. Take the necessary precautions inside your home.\n<ul>\n<li>Close off all doors and windows but don't lock them and turn off air-conditioning and air-circulation systems.</li>\n<li>Move furniture away from windows and sliding glass doors and turn on lights in each room for visibility in case of smoke.</li>\n<li>Remove any debris from screens covering vents in your attic or crawl space. If you don't have screens, cover the vents with duct tape or metal to block embers.</li>\n</ul>\n<h3>Stay Informed: Elapsed time 1 minute 30 seconds [01:30]</h3>\nStay informed.\n<ul>\n<li>Sign up and listen to emergency alerts for information and instructions.</li>\n<li>Stay aware of the latest news from your local media and fire department.</li>\n</ul>\n<h3>Plan Ahead: Elapsed time 2 minute 4 seconds [02:04]</h3>\nPlan ahead.\n<ul>\n<li>Create a survival kit with items such as water, non-perishable food, flashlights, batteries, necessary medicine and a first-aid kit.</li>\n<li>Have a fire extinguisher handy to put out small flames.</li>\n<li>Gather or inventory important documents and valuables and have a full tank of gas in case you need to evacuate.</li>\n<li>Be ready to bring pets inside and take them with you if you need to evacuate.</li>\n<li>Put livestock and horses in an irrigated pasture or area where fuels have been removed.</li>\n</ul>\n<h3>We're Here to Help: Elapsed time 2 minutes 21 seconds [02:21]</h3>\nAnd always remember: We're here to help.\nDescription of visual information: [USAA means United Services Automobile Association and its affiliates.]\nThe trademarks, logos and names of other companies, products and services are the property of their respective owners.\nThe information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates.\n9040944] End of description.\n<h3>End: Elapsed time 2 minutes 26 seconds [02:26]</h3>\n","videoTitle":"Wildfire preparation","videoDurationDisplay":"2 minutes 26 seconds","modalId":null},{"headlineText":"What's a life insurance beneficiary?","imagePath":"","time":"2 minutes 0 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"QzJT4okr4sYBBZsZH9Y555","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nYou purchased life insurance to protect your loved ones in the event of your death. That's who your beneficiaries are: the people you're trying to protect.\nNaming your beneficiary is an important part of owning a policy. After all, this is your chance to choose who receives the benefit when you're no longer around.\nBut what would happen if you forgot to name someone as your beneficiary?\nWell, the death benefit might go to the wrong person. In some cases, the payouts would go to your estate, which could complicate things.\nWho can be a beneficiary?\nSelecting your beneficiary is easy. You can name a person, such as your spouse or family member. You can also choose a trust, an estate or a charity. Some insurers limit how many beneficiaries you can list. Be sure to read the contract when signing a life insurance policy.\nYou can also name two types of beneficiaries. Your primary beneficiary will be the first to receive your policy's death benefit. You can name several primary beneficiaries and split the benefit amongst them.\nFor example, if you decide two of your adult children should receive the money, you can then decide how much each one gets. You can also name a contingent beneficiary, who'll receive the money if your primary beneficiary dies before you do.\nCan I change the beneficiary on my life insurance policy?\nMost policies allow you to change the beneficiary at any time. Many people do so after a major life event, like the death of a loved one, the birth of a child or a divorce.\nDo beneficiaries pay taxes on the money they receive?\nFor the most part, death benefits aren't considered taxable income. But in some cases, your beneficiary may have to pay an estate or inheritance tax.\nTo learn more, it's best to talk to your tax advisor. To learn more about life insurance, visit <a href=\"/life/\">usaa.com/life</a>.\nDescription of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\nLife insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.\n8122782] End of description.\n<h3>End: Elapsed time 2 minutes 0 seconds [02:00]</h3>\n","videoTitle":"What's a life insurance beneficiary?","videoDurationDisplay":"2 minutes 0 seconds","modalId":null},{"headlineText":"Buying your first home","imagePath":"","time":"2 minutes 37 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"zGVNvBt6tK8DBKRwtSAc9P","alternateVideoSource":"","transcript":"<h3>Creating your budget: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nSo, you're buying your first home? Here are few tips to make this exciting process run smoother. Determine your budget.\nYou want a mortgage payment that fits comfortably with your lifestyle. What you currently pay for rent or 28% of your gross monthly income and Mortgage Calculators are all great places to start in determining how much house you can afford.\n<h3>Managing your budget: Elapsed time 0 minutes 27 seconds [00:27]</h3>\nStay within your limits.\nYou may be prequalified for a higher mortgage amount making it easier to fall in love with a property outside your price range, but stick to your budget. Don't forget to factor in all of the extras that come with home ownership like furniture, monthly utilities, home insurance, property taxes and unexpected repairs.\n<h3>Managing and maintaining your credit score: Elapsed time 0 minutes 49 seconds [00:49]</h3>\nKnow your credit score.\nPaying debts on time and paying down balances can improve your credit and your debt-to-income ratio and help lower your interest rate saving you thousands of dollars. You also want to avoid new debt once you're in the home buying process. These are things lenders look at when they qualify you for the loan.\n<h3>Identifying property and neighborhood desires: Elapsed time 1 minute 10 seconds [01:10]</h3>\nIdentify what you want.\nDefine your desires early in the process, like neighborhoods, school districts, walkability and other things. You can simplify your search and save time and effort.\n<h3>Factoring a down payment into your budget: Elapsed time 1 minute 23 seconds [01:23]</h3>\nDecide on a down payment.\nThere are loan options that require as little as 3% down, or 0% for eligible service members and veterans, but a 20% down payment could save you money by eliminating potential cost of private mortgage insurance on conventional loans.\nYou'll also need to leave yourself a cash reserve beyond what's required to get into the home to be ready for other unforeseen expenses.\n<h3>Hiring a real estate agent to guide you: Elapsed time 1 minute 48 seconds [01:48]</h3>\nHire a great real estate agent.\nThere's a lot at stake here, so you want to select an agent that is trusted, licensed, reputable and experienced in all of your needs and wants in buying a home.\n<h3>Familiarizing yourself with the desired neighborhood: Elapsed time 2 minutes 1 second [02:01]</h3>\nVisit your prospective home often.\nBe sure to drive by the property you're interested in at different times. A home that looks wonderful by day may look quite different in the evening hours.\n<h3>Get prequalified: Elapsed time 2 minutes 12 seconds [02:12]</h3>\nAnd finally, get prequalified for your mortgage.\nWhen you are prequalified, you'll be able to make an offer on the home you want with confidence, knowing that it's within your price range. It may even afford you the upper hand when multiple offers are on the table.\nWe hope you found this information helpful!\nDescription of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.] End of description.\n<h3>End: Elapsed time 2 minutes 37 seconds [02:37]</h3>\n","videoTitle":"Buying your first home","videoDurationDisplay":"2 minutes 37 seconds","modalId":null},{"headlineText":"Teaching your teen good money habits with their first job","imagePath":"","time":"2 minutes 25 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"SwKbhR1PDBfcjoVK7YxDK7","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [0:00]</h3>\nYour teenager started their first job. It's an exciting time. As they start earning money, you have an opportunity to prepare your teen for good money habits now and in the future. It's important to plan where their money will go, even if they don't have specific goals in mind.\nA great way to start is to put their money into three buckets: spend, save and give. Your teenager can choose where they'd like their money to go. They could spend it on current wants and needs, save it for the future or donate it to a cause of their choosing. This allows them to picture the power of their finances.\nAfter your teenager starts working, it's time to help them understand their paycheck, especially when it comes to taxes and deductions. Have a conversation with them about gross income, which is the total amount of income they earn, vs. net income, which is the amount of income they actually receive after employers make deductions to cover federal and state requirements plus benefits costs. Net income is also commonly called “take-home pay.” Make sure they're not caught off guard when that first paycheck arrives and it's less than what they expected.\nAfter they receive their first paycheck, it's time to put their budget plan into action. With the three buckets in mind, you can set up youth banking accounts that will help them prioritize their money goals. This also provides you with enough parental controls to help them course correct if needed.\nAs a parent, you can leverage technology to ensure your child is prudent with their spending.\nUSAA Youth Spending and USAA Youth Savings accounts have features like direct deposit, so that teens can automatically divide their paychecks into checking and savings accounts. Another benefit is the ability to “bucketize” money into different categories. This helps guard against unnecessary spending and establishes control of their money. Once they're old enough, your teen can convert their accounts to traditional checking and savings accounts to use as an adult, or the bank may automatically convert it for them.\nFor a teen earning their first paycheck, it may seem daunting to consider their financial future, but everyone must start somewhere. And by practicing money management now, they'll be on track for financial independence as adults. Visit <a href=\"/banking/youth\">www.usaa.com/youthbanking</a> to explore our youth banking options today.\nDescription of visual information: [Deposit products and services offered by USAA Federal Savings Bank, Member FDIC.\n8578128] End of description.\n<h3>End: Elapsed time 2 minutes 25 seconds [2:25]</h3>\n","videoTitle":"Teaching your teen good money habits with their first job","videoDurationDisplay":"2 minutes 25 seconds","modalId":null},{"headlineText":"Quick tips about life insurance","imagePath":"","time":"1 minute 50 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"bG33C4KgwYtywurH4F9P6k","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nLife insurance is a basic building block in our finances that shouldn't be overlooked. If you're financially responsible for taking care of someone like a partner, a child or an aging parent, you may need life insurance.\nHow can life insurance help me? Not having life insurance can leave loved ones at risk if someone they depend on dies unexpectedly. Life insurance can give your family the money they need to cover necessities like groceries, mortgage or rent, and other basic living expenses.\nHow much life insurance do I need and what kind? There are two types of life insurance policies: permanent life and term life. A permanent policy is meant to last your entire life. A term policy lasts for a certain duration to help protect family and financial needs that will change over time.\nWhen you buy life insurance, a good starting point is to get enough coverage to pay off all your debts and replace your annual income for at least five years. This should give your family enough money to keep things going after you're gone.\nIf you don't already have life insurance, term life insurance may be the best kind to consider. You can set the term based on what you want to protect, like the length of your mortgage or until your youngest child is old enough to be financially independent.\nIsn't life insurance expensive? It's a common belief that life insurance is expensive. In fact, people often overestimate the cost of life insurance by as much as three times its actual cost. But the truth is that life insurance can be an inexpensive way to protect your family when you're no longer here.\nTo see what your life insurance needs are and how affordable it can be, visit <a href=\"/inet/wc/insurance_life_main\" target=\"_self\">usaa.com/life</a> or call an agent at 800-531-LIFE (5433) today!\nDescription of visual information: [Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.\n7990342] End of description.\n<h3>End: Elapsed time 1 minute 50 seconds [01:50]</h3>\n","videoTitle":"Quick tips about life insurance","videoDurationDisplay":"1 minute 50 seconds","modalId":null},{"headlineText":"Helping military spouses and veterans find jobs","imagePath":"","time":"1 minute 26 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"HTn9AtPowMPBUcS35LaPzn","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [0:00]</h3>\nWhether you or your spouse are going through a military move or leaving the military, one priority is probably top of mind: finding a job.\nIf you’re a service member transitioning out of the military, it can be difficult to find jobs that match your skillset, and even more difficult if you’re looking for one in a different industry. Even if the jobs market is doing well, getting a new job may take longer than you expect.\nMilitary spouses can also have a hard time finding a job. In fact, they have a much higher unemployment rate than the national average. This can make it harder for them to maintain a career and support their families financially, often leading to problems like food insecurity.\nTo address these challenges, USAA has teamed up with RecruitMilitary to help military members and their families find jobs. Whether you’re transitioning out of the military or going through a PCS, RecruitMilitary helps match your skills with top veteran-friendly employers who are looking for people just like you.\nAt USAA, our mission is to help provide for your financial security. Having solid employment, with consistent income and benefits, is critical to your financial foundation.\nVisit <a href=\"https://recruitmilitary.com/usaa/\" target=\"_blank\">recruitmilitary.com/usaa</a> to begin your job search today.\nDescription of visual information: [The information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates.\nThe trademarks, logos and names of other companies, products and services are the property of their respective owners.\n7610650] End of description\n<h3>End: Elapsed Time 1 minute 26 seconds [1:26]</h3>\n","videoTitle":"Helping military spouses and veterans find jobs","videoDurationDisplay":"1 minute 26 seconds","modalId":null},{"headlineText":"Understanding mortgage interest rates & points","imagePath":"","time":"2 minutes 02 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"uGYzpqegpqjV2bQAjzwAQP","alternateVideoSource":"","transcript":"<h3>Interest rates explained: Elapsed time 0 minutes 0 seconds</h3>\nMortgage interest rates and points can be a lot to digest! You should know, just about every lender has a variety of interest rates available to you. Let's learn why and find out how you can use interest rates and points to your advantage. Think of interest as the price you pay for using someone else's money until you pay it back. The rate of the interest you will have to pay, depends a lot on the market.\n<h3>Ways to lower your interest rates: Elapsed time 0 minutes 28 seconds [00:28]</h3>\nThere are ways you can lower your interest rate and reduce your total payments, including making a larger down payment, choosing a shorter loan term and boosting your credit score. Points are a way for the lender to provide more interest rate options to the borrower to fit your specific situation better. They come in two forms: origination and discount points.\n<h3>Origination fees explained: Elapsed time 0 minutes 50 seconds [00:50]</h3>\nOrigination fees are points paid to the lender at closing and used to cover the costs of processing the loan.\n<h3>Discount points explained: Elapsed time 0 minutes 56 seconds [00:56]</h3>\nDiscount points are fees that allow you to buy down your interest rate, therefore lowering your monthly payment.\nBuying points may give you a tax benefit, but you should contact a tax professional for your specific tax situation.\nAlthough discount points can buy a lower interest rate, it may take some time to see the benefit. One point is worth 1% of your loan amount.\nLet's say you're borrowing $100,000 and by paying one point — or $1,000 — you can lower your monthly payment by $50. To figure your breakeven, you divide $1,000 by $50, which means you'd have to hold the mortgage for 20 months to recoup the 1 point you paid for a lower interest rate.\nTo decide if points are right for you, make sure you have enough cash on hand for other closing costs, move-in expenses and general emergencies. Also consider using any excess cash toward a larger down payment or for other financial goals, instead of paying points.\nAs always, crunching the numbers is easier with help\nDescription of visual information: [USAA Logo on blue background.] End of description.\n<h3>End Elapsed time 2 minutes 2 seconds [02:02]</h3>\n","videoTitle":"Understanding mortgage interest rates & points","videoDurationDisplay":"2 minutes 02 seconds","modalId":null},{"headlineText":"Driving in the UK","imagePath":"","time":"2 minutes 41 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"zZDbnhpSymZHhbvTWvfZB5","alternateVideoSource":"","transcript":"<h3>What to expect: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDriving in the UK has its own set of rules and customs that may be unfamiliar to American drivers. Here are six key things you should know before hitting the roads across the pond.\n<ol>\n<li>Left-Hand Driving: \nVehicles in the UK drive on the left side of the road. This can be confusing at first, especially when you make turns or merge. Pay close attention to road signs and markings. Always use your turn signals and yield to pedestrians in crosswalks. Vehicles also have their steering wheel on the right side of the car.</li>\n<li>Roundabouts or Traffic Circles: \nAs you enter a roundabout, give the right of way to oncoming traffic. For a multi-lane roundabout, the inside lane always has the right of way and is for vehicles not exiting yet. Use the outer lane when you exit the roundabout. Make sure to stay in the correct lane and use your turn signals.</li>\n<li>The Metric System and Speed Limits \nYou’ll find that speed limits in the UK are measured in miles per hour instead of kilometers per hour. Speedometers will display mph, but they’ll sometimes show both mph and kph.</li>\n<li>Narrow Roads and Parking \nA lot of roads in the UK are narrower than ones in the US, especially in rural and historic towns. Be careful when trying to pass other cars on these roads. Always check the signage while parking to avoid fines and towing.</li>\n<li>Emergency Equipment \nIt’s a good idea to carry emergency supplies with you when you travel. You should keep a first aid kit, some safety triangles and a fire extinguisher in your vehicle, just in case. A spare tire and jack, blankets, food, and water are also good to have. These will be great to have if your vehicle breaks down in a rural or remote area.</li>\n<li>What to Do in an Accident \nIf you get in accident, make sure you and your occupants are safe before doing anything else. If there are any injuries, call 999. If possible, get your car off the road. Use your hazard lights, safety triangles or traffic cones to alert oncoming traffic. It’s also a good idea to take photos of the scene, make notes of what happened and get a copy of the police report.</li>\n</ol>\nThese tips can help you know what to be aware of and the best way to stay safe while driving. No matter where you’re driving, always drive defensively, stay alert and respect the rules of the road.\n<h3>End: Elapsed time 2 minutes 41 seconds [02:41]</h3>\n","videoTitle":"Driving in the UK","videoDurationDisplay":"2 minutes 41 seconds","modalId":null},{"headlineText":"Review your auto liability coverage","imagePath":"","time":"1 minute 28 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"vkfYHt2nAEX2GQVYVTigX8","alternateVideoSource":"","transcript":"<h3>The benefits of liability coverage: Elapsed time 5 seconds [00:05] \n</h3>\n<h3> </h3>\nYou don't have to be a millionaire to be sued like one. And while you may not be a millionaire, your liability insurance needs could add up to more than you might expect. At USAA we understand your coverage needs can change over time, which is why we recommend you review them at least annually.\n \nAuto liability coverage helps protect you financially if you're at fault in an accident.\n \n<h3>Prepare for the unexpected: Elapsed time 27 seconds [00:27]</h3>\n<h3> </h3>\nSay you're in a traffic accident and responsible for damaging multiple cars and injuring several people. If their medical bills and vehicle damages exceed the limits on your policy, could you afford to pay the difference?\n \n<h3>Protect your financial health: Elapsed time 37 seconds [00:37]</h3>\n<h3> </h3>\nYou may have to sell assets, dip into your savings, or even have your paychecks garnished, until you have paid what you owe. When selecting liability limits, consider your net worth as your starting point. It can be calculated by taking your total assets and subtract them by your total liabilities. Total assets are things such as the market value of owned property, retirement savings, personal items like jewelry or a vehicle and your savings and investments. Total liabilities are things such as credit card debt, bank loans or student loans.\n \n<h3>Start now: lapsed time 1 minute 7 seconds [01:07]</h3>\n<h3> </h3>\nSecuring protection for the future is just one of the many ways USAA is here to help you become financially prepared. When it comes to liability coverage, it costs only pennies on the dollar compared to the protection it provides. Click the link to review your current liability limits and make the necessary updates to ensure you are protected.\n \n<h3>End Elapsed time 1 minute 28 seconds [01:28]</h3>\n \n","videoTitle":"Review your auto liability coverage","videoDurationDisplay":"1 minute 28 seconds","modalId":null},{"headlineText":"How to teach your kids to be financially independent","imagePath":"","time":"2 minutes 30 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"bYqLHK4hKA1zKWV5A114iV","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [0:00]</h3>\nIt's never too early to start talking with your kids about money. Financial independence isn't taught in schools, but at home. And it's an education that kids will carry with them the rest of their lives. Start with age-appropriate money lessons. While your kids are still young, teach them that work equals money. Give them small jobs around the house. Earning a quarter every time they feed the family pet can be exciting.\nTeach them that money equals things. Print off pictures of things your children want and draw circles to represent how much money it would take to buy them. Then mark off circles as they're earned. This can help them understand that money can grow. As your children get older, youth banking accounts can help them learn about budgeting money. Having their own debit card can empower them to think about how and when they spend their money.\nIt's important to remember that personalities can play a big part in how your kids think about money. One child may earn money and then not think about it, so it accumulates, while another may spend money as fast as they earn it. Don't fight your child's personality. Rather, embrace it. Some children are more diligent about saving when they set specific goals. Some will get excited when they realize that tasks requiring more effort can earn them more money. Discuss spending goals and include them when creating jobs around the house.\nDon't forget about your own personality. You first learned about money from your parents. The advice you received, whether good or bad, could be passed to your children. A self-assessment of your own financial biases can be useful to understanding your money management behaviors and help you decide how to teach children to save and spend.\nYou can also teach your children to save by letting them aim high. As kids mature, so will their financial goals. Goals like toys and games will evolve into cellphones and traveling. Saving for something big will help them learn how to budget and prioritize. Once a large goal is set, every financial decision along the way can be tracked against it.\nYouth bank accounts, including USAA Youth Spending and USAA Youth Savings, can help your child begin smart money management habits. Depending on their age, they may also access a mobile app to see their account activity, and you can set the parental controls to the level of oversight they may need.\nRegardless of what your child wants to buy, if the money management lessons you offer are consistent, you'll give them a strong foundation for their financial future. Visit usaa.com/youthbanking to explore our youth banking options today.\nDescription of visual information: [The USAA Advice Center provides general advice, tools and resources to guide your journey. Content may mention products, features or services that USAA Federal Savings Bank does not offer. The information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates. All information provided is subject to change without notice.\nMembership eligibility and product restrictions apply and are subject to change. Deposit products and services offered by USAA Federal Savings Bank, Member FDIC. 8179073] End of description.\n<h3>End: Elapsed time 2 minutes 30 seconds [2:30]</h3>\n","videoTitle":"How to teach your kids to be financially independent","videoDurationDisplay":"2 minutes 30 seconds","modalId":null},{"headlineText":"Is SGLI enough to protect your family?","imagePath":"","time":"2 minutes 0 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"EJA1qR9e2mLMhkdCHk3XAV","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nServicemembers' Group Life Insurance, or SGLI, is a low-cost benefit that should be part of every service member's financial plan. From reducing debt to paying for college expenses, life insurance can help ease your financial burden when a family member dies. But you may need more than just SGLI to protect your loved ones.\nAdditional private life insurance can help you:\nPay off debt.\nWhen people think about life insurance, paying off debt is usually their main priority. When you don't have debt, your savings can last much longer.\nReplace your income.\nIf your loved one dies and they were the sole earner, having life insurance to replace their income can help until you find a job. Even in households with two incomes, the loss of one income can be hard.\nNo matter how much you make, life insurance can help you bridge the gap and continue to take care of your family.\nPay for child care.\nChild care can be a large budget item. If you can cover child care with your life insurance payout, your income can go toward other important things.\nSecure health insurance.\nHealth insurance could be an important consideration, especially if you're a one-income family.\nFund education costs or college savings.\nMany people plan to use life insurance proceeds to help pay for their children's education costs.\nCover other individual goals.\nSome people want to use life insurance to leave a legacy, pay off a small business loan, hire someone to run their business, or provide care for someone with special needs.\nBecause every situation is different, you should discuss your life insurance plan with your loved ones. To know if SGLI is enough, think about what's needed to live day to day, and what your family goals look like. If SGLI isn't enough, consider adding private life insurance to your financial plan and helping to protect what's important.\nDescription of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\nUSAA means United Services Automobile Association and its affiliates.\nNo Department of Defense or government agency endorsement.\n8510272] End of description.\n<h3>End: Elapsed time 2 minutes 0 seconds [02:00]</h3>\n","videoTitle":"Is SGLI enough to protect your family?","videoDurationDisplay":"2 minutes 0 seconds","modalId":null},{"headlineText":"Do I need to insure my engagement ring?","imagePath":"","time":"1 minute 46 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"iRjxuEJ4HNeHD56UP5uEGD","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nLove is in the air. That universal symbol of romance, devotion and commitment known as an engagement ring just might be in your future. Whether that ring is still just an idea or it's already on someone's finger, it's a good time to think about protecting that investment.\nEngagement rings can be a major expense, amounting to hundreds if not thousands of dollars. If it's ever lost, stolen or damaged, your happily ever after might experience a painful pause.\nThat's why it really makes sense to protect your financial and emotional peace of mind with the right insurance coverage.\nIf you've got a standard homeowners or renters insurance policy, it might include limited coverage for repairing or replacing a ring. If so, supplemental coverage, like that offered by a USAA Valuable Personal Property policy, could be the right choice for you.\nIdeally, the ring should have coverage from the moment you or someone else first takes possession of it. Accomplishing that may take some planning. Here's what you can do:\n<ul>\n<li>Call your USAA insurance professional. They can help you determine if an existing policy you own offers enough coverage. \n</li>\n<li>Keep a copy of your proof of purchase in a safe place. You'll need that if you ever have to file a claim. \n</li>\n<li>Update your home inventory of valuable things to include the ring. That list can often help claims get processed faster. \n</li>\n<li>Get your ring appraised by a reputable industry professional, if necessary.</li>\n</ul>\nOne more thing: If you're in the military, you've got even more reason to make sure your ring is protected. Whether you're stateside or deployed overseas, we can help you make sure you've got adequate coverage for all your valuable things. So, before you put a ring on it, give us a call and let your happily ever after begin.\nDescription of visual information: [Membership eligibility and product restrictions apply and are subject to change.\nValuable Personal Property insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, and Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom). Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.\n7887820] End of description.\n<h3>End: Elapsed time 1 minute 46 seconds [01:46]</h3>\n","videoTitle":"Do I need to insure my engagement ring?","videoDurationDisplay":"1 minute 46 seconds","modalId":null},{"headlineText":"Helping your teen become a safe driver","imagePath":"","time":"1 minute 40 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"Tv7yqzowwufuMzYQ8QwzHQ","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nHelping a teen driver develop excellent driving habits can start by example. There are five ways you, as a parent, can help your teen be a safe driver.\nStart early. Explaining safe driving shouldn't start when you hand over the keys. It should be discussed early to help children understand the responsibility and the benefits that come with driving.\nBe a safety role model. Practice what you preach by refraining from talking on the phone, reading or typing texts, or changing GPS settings when driving.\nEncourage practice. Practice with your teen on the basics of driving. Teach your teen to navigate tough scenarios like one-way streets, road construction and night-time driving.\nCoach and educate. Ease your teen into driving by offering more hours behind the wheel with a parent or coach, beyond what the state requires for licensing. This improves your teen's driving skills and confidence. After they're licensed, be sure to ride with them often and continue instruction. You could also try a safe driver contract, where your teen agrees to practice a number of good driving habits. Among those are to never use the phone while driving, and to check in with you when they reach their destination.\nAnd last but not least, be a responsible passenger. Teach your teen to be a cautious and courteous passenger as well. That means not being a distraction to the driver and not riding with friends who text, talk on the phone or otherwise choose unsafe driving habits.\nFollowing these steps can help ensure your teenager will be safer on the roads when it comes time for them to get behind the wheel. Begin teaching your child about safe driving habits today.\n[Description of visual information: [8540800] End of description.\n<h3>End: Elapsed time 1 minute 40 seconds [01:40]</h3>\n","videoTitle":"Helping your teen become a safe driver","videoDurationDisplay":"1 minute 40 seconds","modalId":null},{"headlineText":"4 things to look for in a used car","imagePath":"","time":"1 minute 31 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"uBAAGDiBS1kW9Zmirb46eZ","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00] \n</h3>\nEveryone loves that new car smell but buying used could save you thousands if you're willing to do the homework. Here are four things to look for.\n<h3>Check the mileage: Elapsed time 15 seconds [00:15]</h3>\nFirst, decide how much mileage you're comfortable with, since high-mileage cars usually come with more repair bills.\nThen decide which features are must-haves. Use those factors to filter your search and find comparable options.\n<h3>Check the warranty: Elapsed time 32 seconds [00:32]</h3>\nNot all warranties are created equal. Know how much of the manufacturer's warranty is left and what it covers.\nIf you plan to keep the car a long time, an extended warranty could be right for you.\n<h3>Check the car's health: Elapsed time 49 seconds [0:49]</h3>\nDon't run up repair bills, run the Carfax.\nIt's also important to have your mechanic check a used car out. It's one small investment today that could save you lots of money later.\n<h3>Check the price: Elapsed time 1 minute 3 seconds [01:03]</h3>\nUsed car prices can vary, so it's important to shop around and give yourself plenty of time.\nSearch in person and on-line to compare those cars that have the features you need and fit within the mileage, age and price range you want.\nThen decide what a good price is and choose the best deal possible.\nDrive home happy knowing that you shopped smart. For more advice on your overall financial picture, visit usaa.com/advice.\n<h3>End: Elapsed time 1 minute 31 seconds [01:31]</h3>\n \n","videoTitle":"4 things to look for in a used car","videoDurationDisplay":"1 minute 31 seconds","modalId":null},{"headlineText":"Life insurance for military spouses","imagePath":"","time":"3 minutes 15 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"pz9s5oo4TXURTPFpajvH64","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDescription of visual information: [Information courtesy of USAA Life Insurance Company and USAA Life Insurance Company of New York] End of description.\nMilitary life can be challenging, not just for those on duty, but also for their dependents. Financial management is one of the biggest challenges military families face, and it often falls on the shoulders of military spouses.\nIf something happened to you, it would throw everything out of balance.\nThat's why it's so important to look at your options for life insurance.\nBecause of the risks associated with military service, USAA recommends that active-duty service members enroll full-time in Servicemembers' Group Life Insurance, or SGLI.\nAs a spouse, you can get Family Servicemembers' Group Life Insurance (FSGLI), which covers you and your children.\nBoth SGLI and FSGLI give the surviving spouse a death benefit to help with living costs and dependent care expenses.\nYou can get FSGLI if the service member is:\n<ul>\n<li>Active duty and covered by full-time SGLI or</li>\n<li>A member of the National Guard or Ready Reserve and covered by full-time SGLI</li>\n</ul>\nHow does FSGLI work?\nIt's like most group life insurance policies. Premiums come out of the service member's paycheck every month.\nPrices for spouses vary based on coverage and age range. You can learn more about FSGLI on <a href=\"https://www.va.gov/\" target=\"_blank\">VA.gov Opens in a new window</a>.1\nWhat happens after military separation?\nWith FSGLI, you can transfer coverage to an individual permanent insurance policy within 120 days of a qualifying life event, such as:\n<ul>\n<li>A military separation.</li>\n<li>Divorce.</li>\n<li>A written notice sent to the service member to end SGLI or FSGLI.</li>\n<li>The death of the service member.</li>\n</ul>\nKeep in mind that while these policies offer life-long coverage, the premiums can be higher.\nWhat if FSGLI isn't enough?\nWe recommend getting enough life insurance to pay off all your debts and replace five years of income.\nIf you don't think FSGLI is enough to meet those needs, private supplemental insurance can help provide additional coverage. Plus, you can continue these policies after your spouse separates from the military.\nOur level term life insurance policies provide supplemental coverage and a few other options for you and your spouse, including:\n<ul>\n<li>Expedited coverage for deployment.</li>\n<li>Coverage during wartime.</li>\n<li>Severe injury benefits.</li>\n</ul>\nAlso, with Military Protection Plus, you can add a certain amount of new coverage without proof of insurability when your spouse leaves the military.\nThis allows you to cover the need left behind when you lose SGLI and FSGLI upon separation.\nUSAA recognizes what it means to serve and the importance of insurance designed for military families. You can find more financial resources for military life at <a href=\"/advice/advice-center/\">usaa.com/advice</a>.\nDescription of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\n1 You are leaving USAA and being directed to a third party site that is not maintained, owned or operated by USAA. USAA does not control and is not responsible for the site content or the privacy or security practices of third parties. You should read the third party's privacy and security policies and site terms, as their practices may differ from those of USAA.\nIncreases in coverage more than two times the base policy face amount up to the current maximum Servicemembers' Group Life Insurance (SGLI) amount depends on your health and is subject to underwriting approval.\nMilitary Protection Plus is level term life insurance with Military Severe Injury Benefit Rider and Military Future Insurability Rider. Eagle Express Life Insurance: coverage and premiums remain level for the duration of the policy. Term Policy Form (ICC24516783 11-24) (may vary by state). Not available in New York. Military Severe Injury Benefit Rider provides $25,000 to help with the expenses in the event of certain injuries while performing eligible military duties. Rider Form LBR67140ST 05-07 (may vary by state). Military Future Insurability Rider provides an option to obtain additional life insurance coverage upon separation from the military, subject to rider terms and conditions and characterization of military separation. New policy's level term period is dependent on the length of base policy's remaining level term period. Rider Form ICC23509575 11-23 (may vary by state). Military Severe Injury Benefit Rider not available in New York.\nMilitary Protection Plus is level term life insurance with Military Severe Injury Benefit Rider and Military Future Insurability Rider. Level Term V: coverage is level for the duration of the policy. Premiums remain level for the duration of the Initial Benefit Period, then increase annually. Term Policy Form ICC2099555 01-20 (may vary by state); in New York, New York Term Series V: Form NLT99235NY 06-20. Military Severe Injury Benefit Rider provides $25,000 to help with the expenses in the event of certain injuries while performing eligible military duties. Rider Form LBR67140ST 05-07 (may vary by state). Military Severe Injury Benefit Rider not available in New York. Military Future Insurability Rider provides an option to obtain additional life insurance coverage upon separation from the military, subject to rider terms and conditions and characterization of military separation. New policy's level term period is dependent on the length of base policy's remaining level term period. Rider Form LBR97953ST 03-14 and ICC1497953 03-14 (may vary by state); in New York, Form NBR97955NY 04-15.\nNo Department of Defense or government agency endorsement.\nLife insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.\n8319209] End of description.\n<h3>End: Elapsed time 3 minutes 15 seconds [03:15]</h3>\n","videoTitle":"Life insurance for military spouses","videoDurationDisplay":"3 minutes 15 seconds","modalId":null},{"headlineText":"Should I get life insurance for my child?","imagePath":"","time":"2 minutes 40 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"8mnWivvmQP8VLkdpckkaTm","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nWhen people hear “life insurance for children,” they usually think of a death benefit in case the unimaginable happens. But a life insurance policy for your child can be so much more. In fact, it can help set up your child for financial success.\nHere are four reasons you should consider taking out a life insurance policy on your child.\n1. It can help your child get insurance later in life.\nIn general, it's easier to get life insurance for a child than it is for an adult. Most companies don't require a medical exam. And they usually issue the policy right away unless the child has a major health concern.\nWhen your child grows older and is ready to take over their policy, they won't need to prove their insurability again, regardless of their health. Sometimes they can even add more coverage without going through underwriting.\n2. It can give your child access to cash.\nLife insurance policies taken out on children are usually permanent policies that build cash value.\nThis means that once the child or grandchild is old enough, they'll have two options. They can choose to keep the policy and have coverage for the rest of their life. Or they can cancel it and take the cash balance.\nThey can use that cash to pay for college expenses, a down payment on a house, or whatever they'd like.\nPlus, even if they keep the policy, they can take out a loan from the cash balance at a favorable rate.\n3. It can help teach your child how to manage money.\nA life insurance plan also gives parents an opportunity to teach their child financial preparedness.\nAs your child grows, you can start to teach them about their policy and explain its benefits. You can talk to them about the importance of insurance and explain how cash value works.\nWhen it comes time for your child to start their own family, they'll have a blueprint to follow.\n4. It can give your child life insurance without the monthly payments.\nA paid-up life insurance policy is a benefit of some permanent life contracts. It essentially allows the policy to be paid in full.\nIf a parent or grandparent wants to gift their child or grandchild a life insurance policy, they can pay higher premiums for a certain amount of time to pay the policy off before the child comes of age.\nThis gives the child a strong financial start as they enter adulthood. They'll have life insurance, but won't be strapped with the payments.\nReady to give your child or grandchild a financial head start? Schedule a call with a USAA Life Insurance specialist today.\nDescription of visual information: [Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.\n7883200] End of description.\n<h3>End: Elapsed time 2 minutes 40 seconds [02:40]</h3>\n","videoTitle":"Should I get life insurance for my child?","videoDurationDisplay":"2 minutes 40 seconds","modalId":null},{"headlineText":"What is renters insurance and is it worth it?","imagePath":"","time":"1 minutes 40 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"QqcJvHMkPYLh5WgT1Et973","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 seconds [0:00]</h3>\nAre you not convinced you need renters insurance?\nWell, your stuff is probably worth more than you think. And for the cost of ordering a pizza once a month, renters insurance could pay you to get new stuff if your stuff is stolen or damaged in a way that’s covered by your policy. You just pay the deductible.\nWhat’s a deductible?\nIt’s how much you pay out of pocket before your policy kicks in. If you choose a higher deductible, you may pay more out of pocket if you file a claim, but you'll likely have a lower monthly cost. If you have a lower deductible, you'll pay a bit more each month but will have lower out-of-pocket costs when you file a claim. So what’s covered?\nHere are some of the most common causes of damage that USAA Renters Insurance usually covers:\n<ul>\n<li>Theft and vandalism</li>\n<li>Smoke, fire and lightning damage</li>\n<li>Flood and some water damage</li>\n<li>Damage from frozen pipes</li>\n</ul>\nIt even covers your stuff when it's not at your home. Someone stole your laptop from your car? It's covered.\nWhat if someone gets hurt at your home or their stuff is damaged?\nYou could be liable, legally responsible, for damages and medical bills, which can add up quickly. Renters insurance can help cover the costs.\nAt USAA, you can get expanded coverage for your tech items by adding a technology endorsement to your policy.1 This will cover accidents like drops or spills to items like your computer, smartphones or gaming consoles.\nBy paying as little as $10 per month,2 renters insurance is an affordable way to protect your stuff and your financial well-being if something goes wrong.\nDescription of visual information: [<a href=\"/insurance/property/renters/\">usaa.com/rentersinsurance</a>\n<ol>\n<li>All coverages may not be available in all locations.</li>\n<li>Countrywide average price for policyholders who have $2,500 personal property coverage, $100,000 liability coverage and $5,000 medical payments coverage as of January 2026. Rates vary by location and risk. Rates are subject to change.</li>\n</ol>\nMembership eligibility and product restrictions apply and are subject to change.\nRenters insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, and USAA Falcon Property & Casualty Insurance Company, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom), and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.\nCoverages subject to the terms and conditions of the policy.\nLearn about USAA's use of <a href=\"/about/artificial-intelligence/\">Artificial Intelligence</a>.\n8996283] End of description.\n<h3>End: Elapsed time 1 minute 40 seconds [1:40]</h3>\n","videoTitle":"What is renters insurance and is it worth it?","videoDurationDisplay":"1 minutes 40 seconds","modalId":null},{"headlineText":"4 steps to avoid debt your next PCS","imagePath":"","time":"1 minute 39 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"RN5cZF8DXnCC2mAfYfGSqu","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDid you know that military members often face unreimbursed expenses related to their military move or permanent change of station, PCS? Since most military members move on average every two to three years, let's look at 4 easy steps you can take to help avoid going into debt during your next PCS.\nBecause of potential unreimbursed expenses associated with a military move, USAA recommends establishing a PCS fund worth $2,000 plus whatever is required for your unique situation.\nMoving a boat, an RV or overseas with a large dog, you probably want to have more than $2,000 in your PCS fund to pay for these expenses. Estimate what you might be spending out of pocket and have a plan to pay for these expenses each PCS.\nSince your next move is probably 2 to 3 years away, begin saving now. If you save as little as $50 a month, and then move in 3 years, you will have $1,800 saved up to help cover unexpected or unreimbursed moving expenses. This helps you not go into additional debt.\nThe best way to save for this PCS fund is to make it automatic by setting aside a small amount of your paycheck each month. For most people, if you wait until the end of the month to save, you'll reach the end of the month and find that there is nothing left over with which to save. So, save first. Congratulations, you survived another military move. Once you are settled, determine how much of your PCS fund you have spent and have a plan to replenish it before your next PCS.\nDescription of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\nUSAA means United Services Automobile Association and its affiliates.\nNo Department of Defense or government agency endorsement.\n8906076] End of description.\n<h3>End: Elapsed time 1 minute 39 seconds [01:39]</h3>\n","videoTitle":"4 steps to avoid debt your next PCS","videoDurationDisplay":"1 minute 39 seconds","modalId":null},{"headlineText":"Tips on how to buy in a seller's market","imagePath":"","time":"2 minutes 40 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"XH5YFJRWGni2CDz5UjBVu1","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nBuying a home can be challenging, but in a seller's market the challenge is increased. A seller's market means there are more people buying houses than houses for sale, often prompting sellers to bump up their listing price. You're also likely to face stiff competition from other house hunters like you.\nHere are some tips for navigating a seller's market.\n<h3>The importance of getting prequalified or preapproved: Elapsed time 0 minutes 21 seconds [00:21]</h3>\nBefore you start your home shopping, getting prequalified or preapproved with your lender will let you know just how much buying power you have. It also gives your bids more credibility, which helps in a competitive market. Set a firm limit on how much you are willing and able to spend. You might win the home in competitive bidding, but you'll also get years of strained budgets and financial stress, too.\n<h3>The importance of finding a reputable real estate agent: Elapsed time 0 minutes 44 seconds [00:44]</h3>\nChoose a sharp agent. In a seller's market, it's important to have the best players on your team. Find a real estate agent who not only has proven expertise in the neighborhoods you're interested in but is also highly responsive and efficient.\n<h3>Limiting selectiveness in a seller's market: Elapsed Time 0 minutes 58 seconds [00:58]</h3>\nWhen the inventory of homes is limited, you probably can't afford to wait for the perfect house to hit the market. Don't be too choosy. For example, you can add a bathroom someday, but you can't change the home's location.\nConsider new construction. You may find that new homes have more features and better pricing in these market conditions.\nKeep a constant eye on new listings. Check in regularly with your agent and be quick to set up house visits. You'll need to be ready to make a fast go or no-go decision on houses you're interested in.\n<h3>Competitive offers in a seller's market: Elapsed time 1 minute 31 seconds [01:31]</h3>\nDon't lowball your offer. In a seller's market, if you want to be in the game, your bid should be close to if not higher than what the seller's asking. Up the ante. It's common for bidders to make earnest money deposits of 1% of the offer price along with your bid, which shows how serious your offer is. Subject to conditions, an earnest money deposit is refundable if the deal doesn't go through.\nPut away your list of demands. Attaching conditions to your bid will weaken it. You should be prepared to accommodate the seller's needs, such as being flexible on the move-in date.\n<h3>Postponing your home search: Elapsed time 2 minutes 7 seconds [02:07]</h3>\nFinally, remember that a home decision has long-term impacts to your financial future, so don't get carried away with the pressure to buy, even in a seller's market. If your situation allows it, you might consider postponing your house purchase until the market cools down. But know that it's hard to predict when a market will shift. It could be years until conditions improve.\nWe hope that you found this information helpful.\nFor more on navigating a seller’s market, visit <a href=\"/advice/advice-center/\">usaa.com/advice</a>.\nDescription of visual information: [ This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.] End of description.\n<h3>End: Elapsed time 2 minutes 40 seconds [02:40]</h3>\n","videoTitle":"Tips on how to buy in a seller's market","videoDurationDisplay":"2 minutes 40 seconds","modalId":null},{"headlineText":"Safe Driving in Italy","imagePath":"","time":"2 minutes 24 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"znpxHjHYVVmZEWs8KsTbf8","alternateVideoSource":"","transcript":"<h3>5 key things to know: Elapsed time 0 minutes 0 seconds [0:00]</h3>\nDriving in Italy has its own set of rules and customs that may be different from what you're used to in the United States. Here are 5 key things you should know before hitting the roads in Italy.\n<h3>1. Different signage</h3>\nBe aware of road signs, especially “zona traffico limitato” or ZTL, signs. These signs indicate restricted traffic zones, often found in city centers. Entering a ZTL without a permit can result in hefty fines. Pay attention to parking signs as well to avoid fines and towing. Some areas have resident-only parking zones, so be sure to read the signs carefully.\n<h3>2. Narrow roads</h3>\nMany Italian towns, especially in rural and historic areas, have very narrow streets. These roads might not have dividing lines, so navigate them carefully. Always check your mirrors and blind spots for other cars and motor scooterists.\n<h3>3. Roundabouts</h3>\nRoundabouts are more common in Italy. When entering a roundabout, give the right of way to vehicles already in the circle. For multi-lane roundabouts, the inside lane is for vehicles continuing around, while the outer lane is for those exiting. Use your turn signals to indicate your exit and stay in the correct lane. Always be cautious and yield when necessary.\n<h3>4. What to do during an accident</h3>\nIf you get into an accident, make sure that you and your passengers are safe first. If there were any injuries, call 112, the European emergency number, and wait for the police to arrive. Traffic triangles and a reflective vest are required by law. Use them to stay safe and alert other drivers. Take photos of the scene and use the European Accident Statement to make notes of what happened. If there were any witnesses, it’s wise to write their names and addresses down.\n<h3>5. Italian driving culture</h3>\nBe flexible and adapt to the Italian driving culture. Keep in mind honking isn’t always aggressive. Drivers might use their horn to alert other drivers in tight spaces. They might not always use their blinkers.\nThese tips can help you hit the roads in Italy with confidence. No matter where you're driving, always drive defensively, stay alert and respect the rules of the road.\n<h3>End: Elapsed time 2 minutes 24 seconds [2:24]</h3>\n","videoTitle":"Safe Driving in Italy","videoDurationDisplay":"2 minutes 24 seconds","modalId":null},{"headlineText":"Life insurance for new parents","imagePath":"","time":"2 minutes 34 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"pT12cQLNjfMzXFRsR1HhBH","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDescription of visual information: [Information Courtesy of USAA Life Insurance Company and USAA Life Insurance Company of New York] End of description.\nWhether you're a new parent or getting ready to grow your family, you've got a lot on your mind. And finances are likely a part of that. Not only are you budgeting for diapers and daycare, but you may also be worrying about topics you've never thought about before, like: What would happen to my family's finances if I were to die unexpectedly?\nThis is where life insurance comes into play. It can help add peace of mind and financial security for the family you're building. As a new parent, getting life insurance is often easier than you may think. To start, you may review employee benefits that you or your spouse have available.\nOften employers will offer some form of group life insurance for little to no cost. In many cases, though, that's not enough. So, you'll still have to buy a stand-alone policy to get the full protection you need.\nThere are two main types of life insurance policies: term policies and permanent policies.\nIf you're just starting out, a term policy may be your first consideration. Term policies provide simple life insurance protection in exchange for affordable premium payments. The premiums either increase yearly or stay level for a set duration. You'll be covered until you reach the age where the policy expires or you decide to cancel coverage.\nOn the other hand, permanent life insurance is coverage that's meant to last a lifetime. Although your premiums may be higher, you'll have coverage that's there for old age and can build cash value. Both options typically include a child rider, which offers added protection for your kids. If your budget allows, you can also set up a stand-alone life insurance policy on your child.\nHow much life insurance should you get?\nConsider the LIFE acronym:\nL: Liabilities.\nHow much money would it take to pay off all your debts?\nI: Income.\nHow much of your income will your family need to live comfortably after you're gone?\nF: Final expenses.\nHow much should be set aside for the funeral and any final medical expenses?\nE: Education goals.\nHow much would your children need to pay for their education goals?\nNo one knows what the future holds. With life insurance, you can rest easy knowing that your family will be protected. Call us at 800-531-LIFE (5433) to learn more about our life insurance products.\nDescription of visual information: [Visit <a href=\"/insurance/life/\">usaa.com/life</a> to learn more or call 800-531-LIFE (5433).\nThis material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\nLife insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.\n8114654] End of description.\n<h3>End: Elapsed time 2 minutes 34 seconds [02:34]</h3>\n","videoTitle":"Life insurance for new parents","videoDurationDisplay":"2 minutes 34 seconds","modalId":null},{"headlineText":"How to choose your next credit card","imagePath":"","time":"3 minutes 20 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"gmbNgsdwSAB3WeGkL4yb8m","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 seconds [00:00]</h3>\nSometimes you may receive credit card offers, but how do you know which card is right for you? The right card for you often comes down to your credit history, spending habits, how you manage your repayments and a card's APR, or annual percentage rate (a credit card's yearly interest rate). In general, there are four types of credit cards: rewards points, cash back, low rate and secured.\nIf you pay off your balance each month, or at least in a relatively short period, you could consider a rewards points or cash back credit card. Be aware that they typically have APRs starting in the double digits. Both tend to cater more toward those with at least some track record of positive credit usage. \nA rewards points card typically offers reward points on qualifying purchases that you can redeem for cash back, gift cards and more. It could also offer miles that could be applied toward travel. You may receive more points in one purchase category over another, such as dining versus gas stations, so picking a card that matches your spending habits maximizes your rewards.\nA cash back card is like a rewards points card, but you earn cash back with each qualifying purchase instead of rewards. Although some credit cards pay the same cash back rate regardless of where you spend or what you buy, others may have a cap or earn different amounts on certain spending categories, so be sure to read the fine print. Choosing a card that matches your spending habits can be a good thing to consider.\nIf you tend to carry a balance from month to month or are trying to build credit, consider a low rate or secured card.\nA low rate card usually doesn't accumulate rewards or cash back, but instead typically has a lower APR. The lower the rate, the less it will cost you in interest to carry a balance into the next billing period. The actual APR will vary depending on your credit profile and other factors.\nA secured card offers you a spending limit based on the security or deposit you place with the card issuer and is best suited for someone looking to establish or re-build credit. Credit card issuers may be more willing to approve someone with little to no credit history, or someone with damaged credit history, if there's a deposit that covers the amount that can be borrowed on the card.\nIn addition to the APR and the type of rewards or cash back, you'll want to consider any promotional rates that may be offered for a limited time period, fees associated with the card, penalties for missed or late payments, and any other terms and conditions. Military members and those who travel should consider any foreign transaction fees that a credit card may have.\nYou'll also want to consider other benefits associated with the card, like extended warranties, travel protection or price protection, to name a few.\nYou can find out more by reading the credit card's Terms and Conditions.\nSo which credit card should you choose?\nThe credit card that matches you, which means being honest with yourself about your spending habits and how you manage repayments. It also means avoiding the temptation to apply for a card just because of the rewards without considering the interest rate or annual fee. Ask yourself: Do the benefits outweigh the potential cost? At the end of the day, managing your credit card usage in a responsible manner can help set you on the path to financial security.\nVisit <a href=\"/banking/credit-cards-public/\">usaa.com/creditcards</a> to learn more about the credit cards USAA Bank has to offer.\n[Description of visual information: The USAA Advice Center provides general advice, tools and resources to guide your journey. Content may mention products, features or services that USAA Federal Savings Bank does not offer. The information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates. All information provided is subject to change without notice.\n"USAA Bank" means USAA Federal Savings Bank.\nBank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.\n8057515] End of description.\n<h3>End: Elapsed time 3 minutes 20 seconds [03:20]</h3>\n","videoTitle":"How to choose your next credit card","videoDurationDisplay":"3 minutes 20 seconds","modalId":null},{"headlineText":"Quick tips about auto insurance","imagePath":"","time":"3 minutes 56 seconds ","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"hM6Qaj1Krvfm7T7auEbybF","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00] \n</h3>\nHi everyone, Allison here coming at you today to talk a little about auto insurance with just a few helpful tips to ensure that you're getting the most appropriate price and protection for your own personal auto policies. So whether you're a new auto insurance shopper or someone who's had 20 plus years of auto insurance, this video is for you.\n \nSo annual mileage is a rating factor in the majority of states out there and what that means for you is the amount of miles that you enter on your auto policy makes the difference or can make a difference in the price that you pay for insurance. So you want to be as accurate as possible when you're tracking your annual mileage.\n \nNow discounts tend to range from state to state, so it's really important to check in with your own personal provider to know what's available in your specific location. But when it comes to discounts, there are a lot of discounts that need to be added manually to an auto policy. So things like good student discounts or defensive driving discounts, storage discounts if you're not driving your vehicle, these all need to be manually added to an auto policy as opposed to discounts that are automatically provided.\n \nSo auto insurance deductibles are essentially the amount of money that you pay out of pocket after a covered loss. So when you're selecting your deductibles it's important to make note, that when you choose a higher deductible, you're going to save a little bit on your auto insurance premium upfront, however down the road if you suffer a loss, your out-of-pocket will be a little bit higher. So when you're choosing your deductibles a few things take consider: how old is your vehicle? Does it make sense to carry a higher deductible? Will I be able to afford this deductible I've chosen if I do have a loss? And what are my driving habits like? Do they put me at a higher risk for having to pay a deductible?\n \nSo liability on an auto policy is a coverage that helps to pay for things like medical bills, lost income, pain and suffering and damaged property to others if you're found at fault in auto accident. So you want to ask yourself if you do get in traffic accident and you damaged several vehicles, potentially injured several people and the damages exceed your policy limits, could you afford to pay the difference out of pocket yourself? If the answer is "no," you may want to consider bumping your own personal liability limits up a little bit higher. The general rule of thumb when you're choosing your liability limits, or a good starting point at least, is to make sure you have enough liability to cover your net worth.\n \nDescription of visual information: [Total of your assets minus total of your debts equals net worth] End of description.\n \nYou are also going to want to consider your own personal risk factors. So we're talking about things like if you have a youthful driver in the household or on your auto policy. How far are you driving and how frequently are you driving? Things like this are definitely, you know factors you want to consider when you're choosing your limits.\n \nDescription of visual information: [Quick recap – at least annually:\nReview your annual mileage\nCheck for discounts\nCheck your deductibles\nReview your liability coverage] End of description.\n \nAlright that is the end of our four helpful tips for auto insurance. At the end of the day again your policy is unique to you and make sure that you are taking the time at least once a year to update your policy to reflect any changes or life events that you are going through and ensure that you're getting the most appropriate price and protection for you.\n \nDescription of visual information: [USAA means United Services \nAutomobile Association and its affiliates.\n \n8900006] End of description.\n \n<h3>End: Elapsed time 3 minutes 56 seconds [03:56]</h3>\n","videoTitle":"Quick tips about auto insurance","videoDurationDisplay":"3 minutes 56 seconds ","modalId":null},{"headlineText":"What you should know about group life insurance","imagePath":"","time":"2 minutes 25 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"A94XSdu1nSiZWPEqZZqujR","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nWhat do I need to know about group life insurance?\nEmployers often offer life insurance to their employees. This is known as group life insurance. And for nearly 30% of Americans, it's the only type of life insurance they have. \nWhile having something in place is better than not having any, there are some drawbacks to group life insurance policies that you should think about.\nWhat type of coverage is it?\nMost group life policies are like term life insurance. They don't gain cash value, and they have a limit to how long they last. Coverage ends when you leave your employer.\nHow much does it cost?\nMost employers will pay part of your coverage for a group life policy. For example, they could offer a multiple of your annual income or a fixed amount, like $50,000. Some employers let you choose additional coverage that you pay for.\nHow does my group policy compare to an individual policy that I buy myself?\nGroup policies are not very customizable, and the amounts might not be enough to cover everything you want to protect.\nOn the other hand, you can tailor an individual life insurance policy with additional options and benefits to meet all your needs.\nWhat are my options if I change jobs?\nIn most cases, your life insurance stays with your employer. This is the biggest drawback of group life insurance.\nHowever, some plans let you convert your coverage to an individual policy when you leave. These individual policies are typically guaranteed issue, which means you can't be denied coverage. Also, you can expect your policy rate to be higher.\nIf you choose to find your own individual policy after you leave your employer, most insurance companies will require a medical exam and base your premium on your age and health. Then, you'll have a fixed rate for the length of your policy.\nGroup life insurance should be part of your overall life insurance plan, but not your main source of coverage. It may not be enough to fully protect you and your loved ones, and it isn't a long-term solution if you change jobs or retire.\nAdding an individual life insurance policy lets you get flexible coverage that fits your family and your lifestyle, no matter where you work.\nWe're here to help. Review your life insurance needs and get a quote by calling 800-531-LIFE (5433) or by visiting <a href=\"https://www.usaa.com/inet/wc/insurance_life_main\">usaa.com/life</a>.\nDescription of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products. 8018328] End of description.\n<h3>End: Elapsed time 2 minutes 25 seconds [02:25]</h3>\n","videoTitle":"What you should know about group life insurance","videoDurationDisplay":"2 minutes 25 seconds","modalId":null},{"headlineText":"What to do when your term is expiring","imagePath":"","time":"2 minutes 26 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"HKbRYGFB4iTsxmkU45fPu4","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [0:00]</h3>\nDescription of Visual Information: [Information Courtesy of USAA Life Insurance Company and USAA Life Insurance Company of New York] End of description\nWhat to do when my term is expiring.\nYou made the right choice when you bought a term life insurance policy. But now that the coverage is changing, you're probably wondering what to do next. If you're interested in continuing your coverage, you've got a few options based on the type of policy you have.\nThere are two basic types of term insurance policies: annual renewable and level term. Annual renewable term policies last to a certain age. You renew your coverage each year without going through a medical exam. You pay less at first, but your premiums go up every year as you age.\nA level term insurance policy usually covers a period of 10 to 30 years. With this policy, your premiums may be higher, but you'll pay a fixed amount during the stated period. After that, your premiums will no longer be fixed and your coverage could change.\nBoth types of policies typically offer fixed death benefits. So, what should you do if your policy is changing? Depending on your needs, you have several options.\nOption 1 is to extend your coverage.\nThis option is only available if you currently have level term coverage. It may be the right choice for you if you're considered uninsurable due to health issues or lifestyle choices. You may even be able to lower your premium by decreasing your death benefit amount.\nThe second option is to convert your policy.\nYour current policy likely offers conversion privilege. This means you can convert your term coverage into a permanent life insurance policy without the hassle of going through a medical exam. Also, if your insurance needs have changed or your budget has increased, now could be the time to invest in permanent long-term coverage.\nFinally, you can shop for a new policy.\nIf your annual renewable policy is close to expiring, shopping for new coverage may be your only choice. And depending on age or health, your best bet may be permanent insurance or a guaranteed issue policy. In case your level term policy has reached its guaranteed period end date and you're still in good health, it might make sense to apply for a brand-new life insurance policy.\nIt's important to review your insurance needs and start planning early. Call us today so we can review your existing policy and help you make the right decision.\nDescription of visual information: [Visit <a href=\"/insurance/life/\" target=\"_self\">usaa.com/life</a> to learn more or call 800-531-LIFE(5433).\nThe information contained is provided for informational purposes only and is not intended to substitute for obtaining professional financial advice. Please thoroughly research and seek professional advice before acting on any information you may have found in this article. This article in no way attempts to provide financial advice that refers to personal circumstances.\nThe opportunity to convert after the first year anniversary is subject to certain requirements and subject to an expiration date. Converting will increase your premium. Please review your policy.\nLife insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations, and contractual terms and conditions. Each company has sole financial responsibility for its own products.\n8061033]\n<h3>End: Elapsed time 2 minutes 26 seconds [2:26]</h3>\n","videoTitle":"What to do when your term is expiring","videoDurationDisplay":"2 minutes 26 seconds","modalId":null},{"headlineText":"How to create a budget","imagePath":"","time":"0 minutes 57 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"fAoir9DDrRRnzt8eSLXSJk","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [0:00]</h3>\nDoes the idea of creating a budget seem overwhelming? It shouldn't.\nYou can start having more control over your finances today by using the three P's: paycheck, prioritize and plan.\nReview your paycheck.\nMake sure you understand how much money is actually available to you. This means focusing on your take-home pay after deductions.\nPrioritize your spending.\nOnce you know how much money you have to spend, you can decide what's most important. Take a look at what you need versus what you don't using the “Reflecting on needs versus wants” worksheet at consumerfinance.gov.\nMake a plan.\nStay in control of your money by knowing where it's going. Get help with our free budgeting tool at <a href=\"/inet/wc/money_manager_landing_main\">usaa.com/moneymanager</a>. You can take more control of your finances. Use the tools on this page to learn more.\nDescription of Visual Information: [These tools are data aggregation services and do not provide any investment advice.\nUSAA means United Services Automobile Association and its affiliates.\nThe trademarks, logos and names of other companies, products and services are the property of their respective owners.\n7858508] End of description\n<h3>End: Elapsed time 0 minutes 57 seconds [0:57]</h3>\n","videoTitle":"How to create a budget","videoDurationDisplay":"0 minutes 57 seconds","modalId":null},{"headlineText":"Should I rent or buy my next home?","imagePath":"","time":"2 minutes 23 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"fGyRMGLcxYHuXx6GaRERGe","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nIf you're thinking about your next move, you're probably wondering: "Should I rent or should I buy?" It's important to understand and weigh all the pros and cons of renting and buying a home. Before making your decision, let's break those down. The first thing to consider is commitment. How long do you plan to stay in your next residence?\nIf you're not planning to stay for very long or if you're unsure, renting provides limited commitment. The downside of limited commitment is that after your contract is up, the owner can decide to raise rent prices or stop renting the property altogether.\nHowever, if you're looking to lay down roots and create a place for your family to grow and gather, buying might be a better option for you. Not that you have to stay in the home forever, but it is recommended a minimum of three years in order to gain value from your investment.\nThe second variable to consider is costs. The upfront costs are generally lower for a renter and usually include first and last months’ rent, plus a small application fee. If you're buying a home, you need to make sure you're financially ready to cover all upfront costs and make a monthly mortgage payment that includes home insurance and property taxes. Not to mention all the other costs associated with buying a home, like unexpected repairs, home maintenance and new furniture.\nHowever, renters are not building equity. So, what is equity?\nFor a renter, once the rent is paid, it holds no value to the renter. On the flip side, a homebuyer's mortgage payment is going toward the value of the home. The home belongs to the homebuyer, so they retain the value. This is also known as equity. Those are the major ups and downs of buying and renting a home. Some general pros and cons of renting are that renters may have access to amenities like pools and gyms. However, they also live in close proximity to their neighbors, parking can be limited, and they're generally not allowed to make any home renovations.\nSome general pros and cons of homebuying are that you have freedom to renovate and upgrade your home to your style. Also, owning a home can be emotionally rewarding and a major life achievement. However, you are responsible for all the repairs and maintenance of your home, and it is a substantial financial investment.\nWe hope that this helps you in making your decision to either rent or buy your next place.\nDescription of visual information: [Visit <a href=\"/\">usaa.com</a> to learn more.\nThis material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\n7902683] End of description.\n<h3>End: Elapsed time 2 minutes 23 seconds [02:23]</h3>\n","videoTitle":"Should I rent or buy my next home?","videoDurationDisplay":"2 minutes 23 seconds","modalId":null},{"headlineText":"What to expect when selling your first home","imagePath":"","time":"2 minutes 49 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"Wr5t7yGh6Z64q7PPSm6eKV","alternateVideoSource":"","transcript":"<h3>Reasons to create a checklist: Elapsed time 0 seconds [0:00] \n</h3>\nThere are so many reasons to sell your house. Maybe you need more room, or you're looking to downsize. Maybe you need to relocate, or maybe you're going to pack it all up and travel the world. Whatever your reason, having a plan in place can make this decision easier. Here's a simple checklist for first time home sellers.\nDetermine your sell timeline.\nIn order to plan a proper budget for your transition, it's important to know how fast you need to sell. If you're planning to both sell and purchase, your timeline and budget can be impacted by the decision to make these transactions contingent upon one another. You should also factor in moving expenses, temporary housing and a new down payment. Always make sure you have an excess cash reserve, so you don't put your finances in a bind.\n<h3>Ways a real estate agent can help guide you: Elapsed time 50 seconds [0:50]</h3>\nHire a great real estate agent.\nFinding a trustworthy and reputable real estate agent can help guide you through this process. They can advise on which items need to be fixed or updated before listing, to align your home to market expectations in your area. Agents can also help stage your home and give tips on decluttering, depersonalizing and refreshing your space. Keep in mind that curb appeal can increase your sale price so maintain your lawn and landscaping. In addition, always keep pets and valuables out of sight while showing your property.\n<h3>Pricing your home fairly and at top market value: Elapsed time 1 minute, 23 seconds [1:23]</h3>\nFigure out a fair asking price.\nSome people try to sell their home themselves, trying to save money on the agent's commission. This can backfire and cost more money if the house isn't priced correctly or marketed well to buyers. Your Realtor® can help you set realistic expectations about your home's value based on current market conditions. They'll show you comparable properties called "comps" in your neighborhood and county home value assessments and how they might impact your sale price. An agent can market your house, not just list it, ensuring you will get top value for your home.\n<h3>Deciding on whether you will sell or buy first: Elapsed time 1 minute, 58 seconds [1:58]</h3>\nMost importantly, if you're planning to sell and purchase, decide which will come first.\nSelling first holds less financial risk because it will allow you to know how much money you have for the next purchase. However, you'll need to make sure you have temporary housing and temporary storage while you secure your next home. Some buyers make offers "contingent on the sale of their old home," but that can make it hard to get your offer accepted in a hot seller's market. Purchasing your next home first, allows for more flexibility when moving because you can move into your next home before selling your last one. However, this may require you to pay two mortgages at once until you are able to sell, so make sure you know what you can afford.\n<h3>End: Elapsed time 2 minutes, 49 seconds [2:49]</h3>\n \n","videoTitle":"What to expect when selling your first home","videoDurationDisplay":"2 minutes 49 seconds","modalId":null},{"headlineText":"The basics of life insurance","imagePath":"","time":"2 minutes 7 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"6gp3uv5FbrLV89N54ACqik","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDescription of visual information: [USAA Life Insurance Company | USAA Life Insurance Company of New York] End of description.\nDo you speak life insurance? To many people, talking about life insurance may seem like another language. The good news is: we speak it fluently and we can help.\nFirst things first: Life insurance is really for those you care about and who depend on your income. It can give money to your family and others you feel would need it when you die. That money can help with things like paying off the mortgage to replacing your paycheck that your family depends on.\nNext, there are two types of life insurance: Term and permanent. \nTerm insurance lasts only for set number of years or to a certain age. It offers fixed costs that can make it easier to fit into your budget. In the event of an unexpected death, term policies are meant to handle one-time and short-term financial obligations for your loved ones.\nOn the other hand, a permanent life insurance policy is designed to last as long as you live. If you die while your permanent policy is active, the money paid out can cover expenses like:\n<ul>\n<li>Funeral costs \n</li>\n<li>Health care costs for a surviving spouse or partner, or \n</li>\n<li>Leaving an inheritance</li>\n</ul>\nFinally, here's a few life insurance terms you may want to know.\nDeath benefit: It's the money that's paid out to the policy beneficiary if you die while your life insurance policy is active.\nBeneficiary: This is the person or persons who'll get the death benefit.\nGuaranteed1 period: This is the term of your policy. During this time, the recurring amount of money you'll pay to keep your policy active won't go up. Also, your death benefit can't go down.\nRiders: These are additional benefits or features that come with your policy. Basically, riders can let you customize your life policy to fit your needs. Riders may or may not cost you extra.\nBottom line: Your life insurance should reflect your unique needs. \nIf you need more help, <a href=\"/inet/wc/insurance_life_main\" target=\"_self\">visit usaa.com/life</a> or go to the USAA Advice Center for helpful articles and other resources.\nDescription of visual information: [Visit <a href=\"/advice/advice-center\" target=\"_self\">usaa.com/advicecenter</a> for helpful articles and other resources.\n1 Guarantees apply to certain insurance and annuity products and are subject to product terms, exclusions and limitations and the insurer's claims-paying ability and financial strength\nThis material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\nLife insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.\n8017800] End of description.\n<h3>End: Elapsed time 2 minutes 7 seconds [02:07]</h3>\n","videoTitle":"The basics of life insurance","videoDurationDisplay":"2 minutes 7 seconds","modalId":null},{"headlineText":"Personally procured move versus full military move","imagePath":"","time":"3 minutes 20 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"qdVvNcTiuPaZZgkJuqScfV","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00] \n</h3>\nIn the military a few things are certain, early mornings and moving. Most military members move every two to three years, but how does that actually work? You have two options for how your belongings are moved, a full military move or a personally procured move.\n<h3>Full military move: Elapsed time 0 minutes 21 seconds [00:21]</h3>\nIn a full military move, the military's transportation management office takes care of your move. They schedule a company to pack your belongings, move them to your next duty station, and then unpack in your new home.\n<h3>Personally procured move (PPM): Elapsed time 0 minutes 33 seconds [00:33]</h3>\nIn a personally procured move, also known as a do-it-yourself move, you move yourself to your next duty station. You are responsible for loading, transporting and unloading all of your household items.\nWhich one should you choose? Let's look at a few factors that might help you decide.\n<h3>Cost: Elapsed time 0 minutes 50 seconds [00:50]</h3>\nThe good news is the military will cover the cost of your move from one duty station to the next. However, if you select a personally procured move, they will only reimburse at most what would have cost them if they coordinated it through a moving company.\nIf your personally procured move costs less than what the military would have paid you, you get to keep the extra. However, if it costs more, then you pay the difference out of pocket. For example, if the military will pay you $5,000 to move and you do it for $3,000, you get to keep the $2,000 that is left over.\nHowever, if your personally procured move costs $6,000, you will pay $1,000 out of pocket. Also, keep in mind that you will pay for the personally procured move up front. And the military will reimburse you after the move is complete.\nA full military move is less work for you and your family because someone else does all the heavy lifting. However, it does require you to ensure that all your household items are accounted for on the moving company's manifest, a comprehensive list of all your belongings. In a personally procured move, you are responsible for loading, transporting and unloading all your items, which can be significantly more effort.\n<h3>Who pays for my broken items?: Elapsed time 2 minutes 5 seconds [02:05]</h3>\nIn a full military move, the military insures all household items transported by the moving company. And any insurance claims for damaged items go through the military. Remember to make sure all your items are accounted for on the manifest as the military won't reimburse you for items not listed on the manifest.\nIn a personally procured move, you are responsible for the safety of your items. Make sure you have adequate insurance coverage for any potential theft or damage. Some military members opt to combine a full military move and a personally procured move. This is called a partial personally procured move or partial do-it-yourself move.\n<h3>Partial personally procured move: Elapsed time 2 minutes 40 seconds [02:40]</h3>\nIn this case, you let the military move the majority of your household items, but you personally move a few things that are either irreplaceable or needed before the movers arrive.\n<h3>What do I take with me?: Elapsed time 2 minutes 53 seconds [02:53]</h3>\nYou are probably carrying baby books, your safe, and sheets, and towels for temporary lodging anyway. So why not get paid to move these items? Also, you'll have peace of mind from knowing your most precious items are taken care of.\nFor more information about making your next PCS as smooth as possible, please visit usaa.com/militarymoving.\nDescription of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional. \n\nUSAA means United Services Automobile Association and its affiliates. \n\nNo Department of Defense or government agency endorsement. \nInformation last reviewed as of January 2023 and is subject to change.] End of description.\n<h3>End: Elapsed time 3 minutes, 20 seconds [03:20]</h3>\n \n","videoTitle":"Personally procured move versus full military move","videoDurationDisplay":"3 minutes 20 seconds","modalId":null},{"headlineText":"Why you should seal your roof","imagePath":"","time":"0 minutes 42 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"SFb9emULu1WYUxdiTxG5i3","alternateVideoSource":"","transcript":"<h3>The benefits of a sealed roof deck: Elapsed time 0 seconds [00:00]</h3>\nDescription of visual information: [Why seal your roof deck?\nHigh winds can rip the cover off your roof allowing water to enter the attic and walls inside the house.\nThen water can get between the gaps in the wood.\nThere's a better way, a sealed roof deck.\nSeal your roof deck. Cover the seams with tape.\nCover the sealed seams with #30 felt.\nKeep the water out.\nSafety guidelines are not intended to be all inclusive, but are provided for your consideration. Please use your own judgment to determine what safety features/procedures should be used in each unique situation.\nUSAA means United Services Automobile Association and its affiliates.] End of description.\n<h3>End: Elapsed time 42 seconds [00:42]</h3>\n","videoTitle":"Why you should seal your roof","videoDurationDisplay":"0 minutes 42 seconds","modalId":null},{"headlineText":"How to start your home search","imagePath":"","time":"1 minute 38 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"n3o6RFp8rBtALGbAeVM35f","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00] \n</h3>\nSo, you've done the math and you feel financially, emotionally and situationally ready to start looking for homes! Now what?\n<h3>Why a real estate agent is your best resource: Elapsed time 0 minutes 15 seconds [00:15]</h3>\nWhether you are buying or selling or a combination of both, the best way to start is to reach out to a real estate agent. Agents are your number one resource in this process. Remember, an agent has a fiduciary duty to hold your interest above all else and can guide you every step of the way. There are many ways to find a reputable real estate agent. Just make sure your source is trusted and reliable.\n<h3>Take a detailed look into your budget: Elapsed time 0 minutes 40 seconds [00:40]</h3>\nYou've probably looked over your budget at this point and feel confident that you can make a certain mortgage payment. But now is a good time to go through your finances more thoroughly. You'll need to factor in cash for a down payment and all of the other costs that come with this transaction. Your agent can help lay out what those costs might look like\n<h3>Picking out the features in your new home: Elapsed time 1 minutes 00 seconds [01:00]</h3>\nNow is the fun part! Make a list of features you want in your home. Separate the "must haves" and "wants." Be sure to think about neighborhood, school quality, commute and traffic. Not to mention, you're going to be living there, so the style and functionality of the home is of the utmost importance.\n<h3>How real estate agents can help guide you: Elapsed time 1 minutes 18 seconds [01:18]</h3>\nWhile online searches can yield great results in getting you started, you should also utilize the expertise and network of your real estate agent. Their professional insight can help you avoid common mistakes and find the perfect home for you.\nDescription of visual information: [USAA. Equal Housing Lender. NC] End of description.\n<h3>End: Elapsed time 1 minute 38 second [01:38]</h3>\n \n","videoTitle":"How to start your home search","videoDurationDisplay":"1 minute 38 seconds","modalId":null},{"headlineText":"Is your home insurance ready for a natural disaster?","imagePath":"","time":"1 minutes 1 second","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"e1SkGCeD7oPRkZADeNxTGR","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nYou never know when a natural disaster might strike, so it's important to be prepared.\nEven though most Americans live in areas that have been affected by weather-related emergencies, the majority of us aren't prepared to deal with a natural disaster.\n<h3>Things you can do to prepare: Elapsed time 15 seconds [00:15]</h3>\nLess than half of American families have an emergency plan. It's essential for you and your family to discuss a plan. Only 48% of American families are confident they know how to prepare for a natural disaster. Description of visual information: [Source: FEMA (2022)] End of description.\nIt’s essential for you and your family to discuss a plan.\nAlso, you want to check your insurance coverage to make sure it's enough to replace your home and belongings, if necessary.\n<h3>Expensive even with coverage: Elapsed time 29 seconds [00:29]</h3>\nDid you know, even with adequate coverage, most members would pay at least $1,500 in total deductibles after a natural disaster?\nThat's why it's important to stash away some savings into an emergency fund, so you're not dependent upon credit cards during a recovery.\n<h3>USAA is here to help: Elapsed time 47 seconds [00:47]</h3>\nA few simple steps today could make a big difference.\nUSAA is here to help you protect your loved ones, your possessions and your finances. You can learn more on this page.\nDescription of visual information: [USAA means United Services Automobile Association and its affiliates. NC] End of description.\n<h3>End Elapsed time 1 minute 1 second [01:01]</h3>\n","videoTitle":"Is your home insurance ready for a natural disaster?","videoDurationDisplay":"1 minutes 1 second","modalId":null},{"headlineText":"Building your home buying team","imagePath":"","time":"2 minutes 3 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"crbrCByciTveeiXfnNyJbk","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 seconds [00:00] \n</h3>\nBuying a house isn't a solo effort. You'll need to rely on a community of people that you've selected to help get you into your new home. Let's meet your team.\nFirst, it's best to get on the same page as the other person you're purchasing a home with. Agreeing early on about must-have and nice-to-have features, desired neighborhoods, architectural styles, size of the property, price range and timetable for the move will help you avoid future stress in the process.\nIt's important to find a reputable real estate agent who knows the neighborhood and market values where you're looking for a home. A well-qualified real estate agent is duty-bound to act in your best interest. They’ll educate you on local market conditions, help search for and visit homes with your specifications, explain terminology, and help you navigate the buying process.\nOnce you move forward with financing options, you'll be working with a loan officer from your lender. They'll help you determine which type of loan best fits your needs. They also work with a team of experts like processors or underwriters who will help secure documents and other information from you and will review your loan to make sure it meets government guidelines and is the right thing for you and your family.\nBefore the deal closes, it’s recommended that a home inspector examines the home and prepare a comprehensive report on the condition of the structure and its systems. This will provide an opportunity for those conditions to be corrected first, or for a buyer to walk away, depending on contract contingencies.\nAn appraiser will also come out and assess the home's market value. This will help the lender be sure the amount of the loan matches the value of the home.\nOnce the deal is close to being finalized, the title company will legally provide the transaction of ownership rights from the seller to the buyer.\nDon't forget, whoever is on the other side of the deal is human too. Don't look at them as adversaries but rather partners in a deal where everyone wins.\nDescription of visual information: [For more on the homebuying process, visit <a href=\"/advice/advice-center/\">usaa.com/advice</a>. \n \nThis material is for information purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\n8899703] End of description.\n<h3>End: Elapsed time 2 minutes 3 seconds [02:03]</h3>\n","videoTitle":"Building your home buying team","videoDurationDisplay":"2 minutes 3 seconds","modalId":null},{"headlineText":"How to find the right real estate agent","imagePath":"","time":"2 minutes 27 seconds","ctaUrl":"","updatedDate":"August 10, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"WfZiMV7pZWb6JH4wvpKY56","alternateVideoSource":"","transcript":"<h3>The differences between agent, broker and realtor: Elapsed time 0 seconds [0:00]</h3>\nDescription of visual information: [USAA real estate 2 minute tips. The importance of finding the best real estate agent] End of description.\nFinding a trusted Real Estate Agent is crucial in helping you buy or sell a home. Here are some answers to some common questions you might have.\nWhat's the difference between an Agent, a Broker and a Realtor® and does it matter?\nThey all have fiduciary duties, which keep your best interest above all. The "Realtor®" title is used by Agents and Brokers who are licensed by the state and adhere to the National Association of Realtors® code of ethics.\nAll three can:\n<ul>\n<li>Assist sellers in marketing their property and selling it.</li>\n<li>Assist buyers in purchasing property.</li>\n<li>Act as an intermediary between the buyer and seller.</li>\n</ul>\nA Broker is required to complete more real estate education and manages the real estate office where agents work. They also work with the title company and real estate lawyers who process the real estate transactions.\nAn agent or broker with credentials and other professional designations is preferable.\nHow do I find an agent I can trust?\nFriends and family can be helpful, but think twice about hiring a relative as it could jeopardize relationships. You can also use a trusted service that screens for licenses and experience.\nWhat questions should I ask my potential agent?\nApproach your decision like a hiring manager because your Agent is working on your behalf.\nProfessional experience, current client commitment, full-time availability, methods and frequency of communication are some of the first things to discuss. You also want an Agent who has experience with your desired neighborhoods and price range.\nMost importantly, you should discuss as early as possible when you're obligated to work exclusively with an agent. Generally, a reputable agent will give you a signed written agreement. Always double check any non-intentional agreements made on a website to avoid controversy.\nHow can I tell if we're a good fit? Take a look at their current listings and portfolio to ensure you're on the same page about the kinds of homes you're looking for and to evaluate their professionalism.\nHow can I check an agent's work record? Check with your state licensing board for any disciplinary actions or complaints against this agent. An Agent is there to help you with your real estate needs, so find the one that's right for you.\nDescription of visual information: [Equal Housing Lender logo] end of description\n<h3>End: Elapsed time 2 minutes 27 seconds [2:27]</h3>\n","videoTitle":"How to find the right real estate agent","videoDurationDisplay":"2 minutes 27 seconds","modalId":null},{"headlineText":"How do teen drivers affect your rate?","imagePath":"","time":"2 minutes 8 seconds","ctaUrl":"","updatedDate":"September 15, 2025","ctaText":"Watch video","contentType":"Video","dataUuid":"ZFHMxUL5xtHLPxUhcr4kQ2","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nIs there a young driver in your life? If so, you’ve probably seen a spike in your auto insurance premiums. There’s a simple reason behind the spike: Teens are high-risk drivers. But, they can lower their own risk through safe driving habits.\nHere are some facts about teen drivers:\n<ol>\n<li>Motor vehicle crashes are the leading cause of death for teens 15 to 18 years old in the U.S., ahead of all other injuries, disease or violence.</li>\n<li>Teen drivers have crash rates nearly four times more than drivers 20 and older per mile driven.</li>\n<li>The presence of teen passengers increases the crash risk of unsupervised teen drivers, and the risk increases with more teen passengers.</li>\n</ol>\nWhile these may be some scary statistics, there are lot of ways for your teen to avoid becoming part of them.\nLearning to drive is exciting, but, just like learning anything else, it takes time and practice. And sometimes accidents happen.\nHow can you, as a parent, help your teen develop safe driving habits?\nStart early and lead by example. Be the safe driver you expect your teen to be and teach them the do’s and don’ts along the way. Emphasize that paying attention to the road is more important than reading a text.\nReinforce learning. Time in a driving course is limited. Discussing what they’ve learned and giving them more supervised time behind the wheel, even after they have a license, will increase their confidence and driving skills.\nGet them invested. Consider telling teens on your auto insurance that they’ll be responsible for covering the deductible or any resulting premium increase if they’re at-fault in an accident.\nTake advantage of technology. Look into safe driving programs that use apps to promote good driving. The USAA DriveSafe App™ can save drivers up to 30% off their renewal premiums.\nYour teen’s driving habits start with you. Parents can be the biggest influencers on teens’ choices behind the wheel.\nVisit USAA’s Parent and Teen Safe Driving Agreement for details on how to keep teenagers safe on the road.\nDescription of Visual Information:[The USAA SafePilot® program is an optional discount program available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot to receive discount.\nThis program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA DriveSafe™ App required.\nParticipation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount may vary by state and over the life of the policy.\nReview the <a href=\"/insurance/terms/safe-driving/\">Program Terms and Conditions</a> for more information.\nMembership eligibility and product restrictions apply and are subject to change.\nAuto Insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.\n7645166] End of description\n<h3>End: Elapsed time 2 minutes 8 seconds [02:08]</h3>\n","videoTitle":"How do teen drivers affect your rate?","videoDurationDisplay":"2 minutes 8 seconds","modalId":null},{"headlineText":"How to save for retirement after TSP","imagePath":"","time":"3 minutes 0 seconds","ctaUrl":"","updatedDate":"January 9, 2025","ctaText":"Watch video","contentType":"Video","dataUuid":"26uvVdDjeVjUHjFyrFJNSV","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nHow to save for retirement after TSP.\nSaving for retirement continues to be a top priority as you transition from military to civilian life. But when contributing to the Thrift Savings Plan is no longer available, what options are out there? Let’s review a few of the more common saving vehicles. One option is an employer retirement plan, like a 401(k) or 403(b). These plans become an even bigger benefit when employers offer a matching contribution. For example, if the employer offers a 1-to-1 match on up to 5% of income, and the employee contributes 5% of their pay into the retirement plan, they get 5% for free from the employer’s matching contribution.\nEven without access to an employer retirement plan, an Individual Retirement Account, or IRA, might be an option if meeting the eligibility requirements.\nAn IRA comes in two basic flavors: a Roth IRA or a traditional IRA. The main difference comes down to taxes.\nIf eligible, a traditional IRA provides an up-front tax deduction. Contributions and growth then are taxed when withdrawn. A Roth IRA is the opposite. There is no up-front tax deduction, but withdrawals are tax-free if meeting the account requirements. Find more information in IRS Publication 590-A.\nEven a stay-at-home spouse who doesn’t have earned income can contribute to their IRA through what’s known as a spousal IRA. The nonworking spouse can contribute to their IRA out of the earned income from the wage-earning spouse. Keep in mind that the amounts contributed to both the worker IRA and the spousal IRA can’t exceed earned income.\nSince many veterans are self-employed or business owners, what are some ways they can save for retirement?\nHere are a few plans that might be available:\n<ul>\n<li>Savings Incentive Match Plan for Employers, or SIMPLE IRA, is for businesses with up to 100 employees.</li>\n<li>Simplified Employee Pensions, or SEPs, provide a way for business owners to contribute toward their employee’s retirement plans as well as their own. With an SEP, only the employer can contribute.</li>\n<li>One-participant 401(k)s, also called solo-401(k)s, may be an option for a business owner who has no employees other than a spouse.</li>\n</ul>\nAlso, don’t forget self-employed individuals still have access to IRAs if they meet the requirements. For more information on retirement plans for small business, check out IRS Publication 560.\nAs you can see, there are plenty of options to save for retirement even after leaving the military. Saving for retirement is probably the largest savings goal you have, so make it a priority, do your research and choose the best option for you.\nDescription of visual information: [For more information about IRAs, visit <a href=\"/investing/iras-and-rollovers/\">usaa.com/ira</a>\nThis material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.\nPrior to requesting an IRA rollover from a qualified retirement plan (Plan) account or Thrift Savings Plan (TSP) account, consider whether such a rollover is appropriate for you. A TSP is a retirement plan for military or civilian employees of the U.S. government. Although IRA rollovers may have certain advantages, Plan/TSP accounts have advantages you should consider before proceeding which may include, but are not limited to, low administrative and investment expenses and, if you separate from service at age 55 or older, you have penalty-free access to your Plan/TSP account funds. Additionally, you may want to consider maintaining at least a minimal Plan/TSP account balance because, in the event you want to transfer or rollover qualified assets to your Plan/TSP account in the future, to the extent it is allowed by your Plan/ TSP, you may be required to have an open Plan/TSP account with a balance when your request is received by that Plan/TSP. You should consult your tax advisor regarding your specific situation to determine whether a Plan/TSP account rollover to an IRA would be suitable for you.\nUSAA means United Services Automobile Association and <a href=\"/inet/wc/newsroom_factsheets_main\">its insurance, banking and other companies</a>. Banks Member FDIC.\nUSAA Investment Services Company (ISCO), a registered broker-dealer and a registered investment adviser, provides referral and marketing services on behalf of Charles Schwab & Co., Inc. (Schwab), a dually registered investment adviser and broker-dealer. Schwab compensates ISCO for these services.\nNo Department of Defense or government agency endorsement.\n5861204] End of description.\n<h3>End Elapsed time 3 minutes 0 seconds [03:00]</h3>\n","videoTitle":"How to save for retirement after TSP","videoDurationDisplay":"3 minutes 0 seconds","modalId":null},{"headlineText":"The Differences Between Fixed-Rate & Adjustable-Rate Mortgages","imagePath":"","time":"1 minutes 43 seconds","ctaUrl":"","updatedDate":"December 24, 2024","ctaText":"Watch video","contentType":"Video","dataUuid":"26YStuUY1WovwjFS2uU8rn","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [0:00]</h3>\nIf you're buying a home, you're probably wondering, "what's the difference between a fixed-rate mortgage and adjustable-rate mortgage…and which one is right for me?"\nLet's take a look at two homebuyers with different needs and break it down.\n<h3>Fixed-rate mortgages: Elapsed time 12 seconds [0:12]</h3>\nHomebuyer 1 hopes to stay in this home for a long time and wants the predictability and stability of a payment that doesn't change.\nThey've chosen a fixed-rate mortgage, which features one interest rate for the life of the loan.\nBecause the rate stays the same, the principal and interest do, too.\nThe only thing left for Homebuyer 1 is choose the length of time they'll have to pay off the loan, which is known as the term. Flexible payment terms are available.\n<h3>Adjustable-rate mortgages: Elapsed time 41 seconds [0:41]</h3>\nHomebuyer 2 is looking for a home that she may not be in for very long. She's choosing to go with an adjustable-rate mortgage, also known as an ARM.\nOne popular ARM product is the 5/1 ARM. This means that the interest rate will be the same for the first 5 years of mortgage. After this period, the rate may go up or down depending on market conditions.\nTraditionally, the initial rate for an ARM is lower than a fixed-rate mortgage, which can provide for a lower initial monthly payment. However, the rate may increase after the initial fixed period, which means the monthly payment may increase, too.\n<h3>Summary: Elapsed time 1 minute, 18 seconds [1:18]</h3>\nTo sum it up, fixed-rate mortgages maintain the same interest rate throughout the entire loan period, which is great for those looking to stay in a home for a long time.\nAdjustable-rate mortgages or ARMs have lower initial rates that may change over time, which is great for those who are looking to move in a few years.\nWe hope that you found this information to be helpful.\nDescription of visual information: [USAA is an Equal Housing Lender USAA is an Equal Opportunity Lender] End of description.\n<h3>End elapsed time 1 minute, 43 seconds [1:43]</h3>\n","videoTitle":"The Differences Between Fixed-Rate & Adjustable-Rate Mortgages","videoDurationDisplay":"1 minutes 43 seconds","modalId":null},{"headlineText":"Your guide to getting good credit and keeping it","imagePath":"","time":"2 minutes 12 seconds","ctaUrl":"","updatedDate":"December 11, 2023","ctaText":"Watch video","contentType":"Video","dataUuid":"onUUzNFNvsZQyKspZDnise","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [0:00]</h3>\nCredit can make or break you when it comes to life's biggest purchases. But what factors determine your credit score? Here are 5 key things that can impact it.\nOn-time payments. Paying on-time is typically the largest factor when it comes to building great credit. Just one missed payment of over 30 days will give you a negative mark for up to seven years. If you've missed a payment, the impact of the negative mark will eventually go away, but always making on-time payments moving forward is the best way to help.\nCurrent balances. For a credit card balance, this factor looks at how much you owe compared to the amount of your available credit. For a mortgage or car loan, it compares your current balance to your original loan amount. It's recommended you keep your amount owed as low as possible, preferably below 10% on credit cards.\nCredit history. The longer your history of borrowing and repaying, the better. Be careful of closing older accounts because it could lower your average length of credit history once those accounts drop off your credit report. And it can lower the amount of your available credit impacting the amount you owe compared to your available credit.\nCredit mix. Credit mix is what type of credit you have. That could be a retail card, a credit card or an installment loan. Having a mix of credit types shows lenders you know how to manage different types of credit. That doesn't mean you should apply for credit just for the sake of having a better mix, as that could backfire on you and this tends to be a smaller credit score factor compared to those previously discussed.\nNew credit. Each time you apply for a new credit account, you receive a hard inquiry against your credit. Too many hard inquiries and new accounts opened in a short period can be a red flag for lenders. It signals you may be in danger of overextending yourself. As a general rule of thumb, only apply for credit when you need it.\nHaving great credit can improve your overall financial health. Knowing these five key principles can help you on your way to a better credit score.\nDescription of visual information: [USAA means United Services Automobile Association and its affiliates.\nThe USAA Advice Center provides general advice, tools and resources to guide your journey. Content may mention products, features or services that USAA Federal Savings Bank does not offer. The information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates. All information provided is subject to change without notice.\n9008822] End of description.\n<h3>End: Elapsed time 2 minutes 12 seconds [2:12]</h3>\n","videoTitle":"Your guide to getting good credit and keeping it","videoDurationDisplay":"2 minutes 12 seconds","modalId":null},{"headlineText":"Why you need renters insurance in the military","imagePath":"","time":"1 minute 46 seconds","ctaUrl":"","updatedDate":"September 19, 2023","ctaText":"Watch video","contentType":"Video","dataUuid":"tFj9QuULTKK6pat6JK1ewr","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 seconds [00:00]</h3>\nYou have valuable stuff. Your uniforms and gear are expensive. You probably have other valuable property, too. But do you have an emergency fund set up to replace them if they're stolen or damaged?\nNo matter where you are in the world,1 whether you live on base or post in a dorm or apartment or are renting a home renters insurance allows you to repair or replace your stuff if it's covered.\nThings happen unexpectedly. What if a pipe bursts in your home? Renters insurance will allow you to replace your belongings and let you stay in a hotel while repairs are made.\nYou may be liable for others and their stuff. If someone is hurt or something happens to their stuff at your home, you could be held responsible for the cost of their injuries and damage to their property.\nHaving liability coverage on your renters policy can help protect you financially. Renters insurance can cover more than you might think. Depending on your belongings and your living situation, consider a policy that covers the following: theft at home or away from home, flooding, fire, pets and liability, spoiled groceries due to power failure, slip and fall accidents, military uniforms and gear,2 musical instruments and collectibles.\nMembers can pay as little as $10 a month for $2,500 in personal property coverage and $100,000 in liability coverage.3\nYou may want to have more property protection based on what you own or carry a higher deductible to make your premiums better fit your budget. If you're serving in the military, you live with some uncertainty. With renters insurance, you know that if something were damaged or stolen, it could be replaced no matter where you are.\nDescription of visual information: [1 Availability of renters insurance to residents of another country is limited to qualified members.\n2 No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty\n3 Countrywide average price for policyholders who have $2,500 personal property coverage, $100,000 liability coverage and $5,000 medical payments coverage as of January 2025. Rates vary by location and risk. Rates are subject to change.\nUse of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.\nRenters insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom), and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy. 7850604] End of description.\n<h3>End: Elapsed time 1 minute 46 seconds [01:46]</h3>\n","videoTitle":"Why you need renters insurance in the military","videoDurationDisplay":"1 minute 46 seconds","modalId":null}]

Advice

Auto

Finances

Home

Life, health and family

Military life

Natural disasters

Retirement

43 Results

Making family decisions about life insurance

August 10, 2026 | Video: 2 minutes 15 seconds

Video Duration: 2 minutes 15 seconds

Intro: Elapsed time 0 minutes 0 seconds [00:00]

Description of visual information: [USAA Life Insurance Company | USAA life Insurance Company of New York] End of description.

Life can be risky. From staying healthy during a pandemic to the rising costs of housing, fuel and food, we’ve seen a lot. So, who couldn’t use a little more peace of mind these days?

Here's an idea: Why not see if life insurance can help with that?

All your family members should have the protection of life insurance. A death in the family can have long-term impacts you probably haven't thought about. For example, imagine what your family's financial situation would look like if you died tomorrow and they lost your income. That's where life insurance can offer peace of mind. It offers money that can help with the important things that keep a family financially secure.

But how can you know how much life insurance your family needs?

Remember this acronym: L.I.F.E.

"L" is for your Liabilities.

"I" is for Income that could need replacement.

"F" is for Final expenses after a death.

And "E" stands for Education or Extra goals that might need financing.

You should consider all of these things when choosing the amount of coverage you need.

Each family has unique needs. For example, the needs of a single-parent household with minor children would be very different from those of a middle-aged couple with no children. And consider this: Even in families that have a nonworking spouse, what they contribute to the household in the way of services like childcare and other tasks at home has value. What if you had to pay someone to do those things? It all adds up.

If your family includes children, it may be good to think about life insurance for them, too. It can give them a head start on financial security if they later convert it to their own policy after they reach adulthood.

Conversations about life insurance and your family's need for it can be hard, but they can contribute to a lifetime of peace of mind.

If you need help getting started, visit usaa.com/life to learn more and get a personalized assessment of your family's needs. Or to speak with one of our life insurance specialists, call 800-531-LIFE (5433).

Description of visual information: [USAA Life Insurance Company | USAA life Insurance Company of New York.

Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

DID # 7623953] End of description.

End: Elapsed time 2 minutes 15 seconds [02:15]

Protecting your kids from online identity theft

August 10, 2026 | Video: 3 minutes 2 seconds

Video Duration: 3 minutes 2 seconds

Intro: Elapsed time 0 seconds [0:00]

Identity thieves are out there, and kids can be prime targets. Cybercriminals are always on the hunt for any personal information they can get their hands on, things like Social Security numbers, names and addresses, and dates of birth. How can you know if your child's information has been compromised?

Here are some warning signs for parents:

Bills or preapproved credit card offers for your child arrive in the mail.
You receive IRS letters about taxes that your child owes.
You get calls from collection agencies about accounts in your child's name.
You're denied government benefits because someone is already receiving them with your child's Social Security number.
Your child applies for a student loan and is denied due to poor credit history.

If any of these happen, check to see if a credit report in their name exists. If it does, notify all three credit bureaus, the Federal Trade Commission and each financial institution that has fraudulent accounts in your child's name. If your child is younger than 16, place a security freeze on their credit report. It will remain in place until you or your child removes it, and it will help protect their information from being used fraudulently again. If 16 and over, they can request this themselves.

There are steps you can take to protect your child's identity:

Ask a lot of questions. Whenever an institution requests your child's Social Security number, ask how it will be used or if you can provide another form of ID.
Protect Social Security cards. Memorize the number and keep the card locked in a secure location.
Pay attention to online activities. It's a good idea for you to know the different programs and networks your child is using. You should also find out whether access to those systems is based on your child answering personal questions to establish their online profiles.
Understand privacy policies. Take the time to read that information and see how personal information might be used.
Avoid oversharing. This can be tough in the age of social media. Help your child set up their social media profiles with as many privacy settings in place as possible.

When it's time for your child to have a bank account, you'll want to look for banks who offer security features that can alert you of suspicious activity. For example, a USAA Federal Savings Bank Youth Spending account offers tools to help you monitor how it's being used, like text alerts on the balance and debit card lock and unlock features if the card is misplaced.

Avoiding child identity theft takes vigilance from you and your kids. A youth account can be a safe place for your child to keep their money and develop good spending and saving habits. If you're aware of the possible dangers, you can protect your children's information today and help set them up for success in the future. Visit usaa.com/youthbanking to learn about our account safety features and get started today.

Description of visual information: [The USAA Advice Center provides general advice, tools and resources to guide your journey. Content may mention products, features or services that USAA Federal Savings Bank does not offer. The information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates. All information provided is subject to change without notice.

Membership eligibility and product restrictions apply and are subject to change. Deposit products and services offered by USAA Federal Savings Bank, Member FDIC. 8180468] End of description.

End: Elapsed time 3 minutes 2 seconds [3:02]

First financial steps to take when joining the military

August 10, 2026 | Video: 3 minutes 7 seconds

Video Duration: 3 minutes 7 seconds

Intro: Elapsed time 0 minutes 0 seconds [00:00]

When you enter the military, you will need to set a direct deposit. That is where your monthly paycheck is automatically deposited into your bank account. Without a plan for how you'll spend and save your money, it's easy to go into debt or fall short of your long-term goals. A budget helps you organize your spending.

Quick tip. If you're an officer, you'll need to budget for uniform purchases. If you're an enlisted member, you'll have a clothing allowance. But use it wisely so that you can use your paycheck to meet other financial goals.

If an accident occurs, do you have enough cash on hand to replace all your possessions, including your military uniforms? Most of us don't. If you fall into that category, consider a cost-effective insurance like renter's or a valuable personal property policy to reduce the financial setbacks if a loss occurs. A renter's policy would cover all of your valuables and military gear in the barracks or a rental property. A valuable property policy would provide extra protection for special items such as guns or smartwatches.

Your new budget should include money for emergencies. We never know when an emergency will happen, so it's nice to have money set aside to help during troubled times. Start with an initial goal of $1,000 and then work toward a fully funded emergency fund of three to six months of living expenses. Even setting aside $25 out of each paycheck will get you there over time.

Another key part of your budget will be funding your retirement savings. Set a goal of saving at least 10% of your income for retirement. If you have debt or other competing financial obligations, you may not be able to do the entire amount. But starting small is better than not starting at all. With each raise or promotion, you can increase the amount you save. As a military member, you have the Thrift Savings Plan available to you. If you are under the Blended Retirement System, remember that if you contribute 5% of your paycheck into the Thrift Savings Plan, once eligible, the DOD will match your 5% with 5%, which is free money.

While that fancy new sports car or decked out truck looks appealing at the dealership, it might not fit within your budget. Your goal is to keep the total cost of ownership that includes your payment, insurance, gas, maintenance, and repairs limited to 10% to 15% of your monthly income. A reliable used vehicle might be a better choice than a new car.

Predatory Lenders are ready to step in when you need cash fast, but the terms are often unfavorable to you. The interest rate in particular will be much higher than it would be through other sources. If you need cash fast and don't have an emergency fund, military relief associations like the Air Force Aid Society or the Army Emergency Relief are there to help.

Also, once the situation is over, prioritize your emergency fund so you are better prepared the next time an emergency arises. For more information and advice around steps to take as you are joining the military, please visit usaa.com/militaryjoining.

Description of visual information: [Copyright (C) 2023 USAA. This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.

USAA means United Services Automobile Association and its affiliates.

No Department of Defense or government agency endorsement. Information subject to change.

NC] End description of visual information.

End: Elapsed time 3 minutes 7 seconds [03:07]

Wildfire preparation

August 10, 2026 | Video: 2 minutes 26 seconds

Video Duration: 2 minutes 26 seconds

Intro: Elapsed time 0 seconds [00:00]

Preparing for wildfires can be as simple as being proactive and having a plan. In conjunction with helpful steps provided by IBHS, the Insurance Institute for Business and Home Safety, here are some ways to help you and your loved ones stay safe.

Protect the Outdoors: Elapsed time 17 seconds [00:17]

Protect the outdoors. Focus on the five feet immediately surrounding your home and follow these steps:

Reduce flammable vegetation in the buffer zone around your home.
Remove branches that hang over your roof or come within 15 feet of the chimney.
Place flammables, such as woodpiles, propane tanks and gas grills, at least 30 feet from all structures.
Remove flammable materials like lawn furniture from the area surrounding your house.
Don't park boats, RVs or other vehicles in this zone.

Protect the Indoors: Elapsed time 50 seconds [00:50]

Protect the indoors. Take the necessary precautions inside your home.

Close off all doors and windows but don't lock them and turn off air-conditioning and air-circulation systems.
Move furniture away from windows and sliding glass doors and turn on lights in each room for visibility in case of smoke.
Remove any debris from screens covering vents in your attic or crawl space. If you don't have screens, cover the vents with duct tape or metal to block embers.

Stay Informed: Elapsed time 1 minute 30 seconds [01:30]

Stay informed.

Sign up and listen to emergency alerts for information and instructions.
Stay aware of the latest news from your local media and fire department.

Plan Ahead: Elapsed time 2 minute 4 seconds [02:04]

Plan ahead.

Create a survival kit with items such as water, non-perishable food, flashlights, batteries, necessary medicine and a first-aid kit.
Have a fire extinguisher handy to put out small flames.
Gather or inventory important documents and valuables and have a full tank of gas in case you need to evacuate.
Be ready to bring pets inside and take them with you if you need to evacuate.
Put livestock and horses in an irrigated pasture or area where fuels have been removed.

We're Here to Help: Elapsed time 2 minutes 21 seconds [02:21]

And always remember: We're here to help.

Description of visual information: [USAA means United Services Automobile Association and its affiliates.]

The trademarks, logos and names of other companies, products and services are the property of their respective owners.

The information contained is provided for informational purposes only and is not intended to represent any endorsement, expressed or implied, by USAA or any affiliates.

9040944] End of description.

End: Elapsed time 2 minutes 26 seconds [02:26]

What's a life insurance beneficiary?

August 10, 2026 | Video: 2 minutes 0 seconds

Video Duration: 2 minutes 0 seconds

Intro: Elapsed time 0 minutes 0 seconds [00:00]

You purchased life insurance to protect your loved ones in the event of your death. That's who your beneficiaries are: the people you're trying to protect.

Naming your beneficiary is an important part of owning a policy. After all, this is your chance to choose who receives the benefit when you're no longer around.

But what would happen if you forgot to name someone as your beneficiary?

Well, the death benefit might go to the wrong person. In some cases, the payouts would go to your estate, which could complicate things.

Who can be a beneficiary?

Selecting your beneficiary is easy. You can name a person, such as your spouse or family member. You can also choose a trust, an estate or a charity. Some insurers limit how many beneficiaries you can list. Be sure to read the contract when signing a life insurance policy.

You can also name two types of beneficiaries. Your primary beneficiary will be the first to receive your policy's death benefit. You can name several primary beneficiaries and split the benefit amongst them.

For example, if you decide two of your adult children should receive the money, you can then decide how much each one gets. You can also name a contingent beneficiary, who'll receive the money if your primary beneficiary dies before you do.

Can I change the beneficiary on my life insurance policy?

Most policies allow you to change the beneficiary at any time. Many people do so after a major life event, like the death of a loved one, the birth of a child or a divorce.

Do beneficiaries pay taxes on the money they receive?

For the most part, death benefits aren't considered taxable income. But in some cases, your beneficiary may have to pay an estate or inheritance tax.

To learn more, it's best to talk to your tax advisor. To learn more about life insurance, visit usaa.com/life.

Description of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.

8122782] End of description.

End: Elapsed time 2 minutes 0 seconds [02:00]

Buying your first home

August 10, 2026 | Video: 2 minutes 37 seconds

Video Duration: 2 minutes 37 seconds

Creating your budget: Elapsed time 0 minutes 0 seconds [00:00]

So, you're buying your first home? Here are few tips to make this exciting process run smoother. Determine your budget.

You want a mortgage payment that fits comfortably with your lifestyle. What you currently pay for rent or 28% of your gross monthly income and Mortgage Calculators are all great places to start in determining how much house you can afford.

Managing your budget: Elapsed time 0 minutes 27 seconds [00:27]

Stay within your limits.

You may be prequalified for a higher mortgage amount making it easier to fall in love with a property outside your price range, but stick to your budget. Don't forget to factor in all of the extras that come with home ownership like furniture, monthly utilities, home insurance, property taxes and unexpected repairs.

Managing and maintaining your credit score: Elapsed time 0 minutes 49 seconds [00:49]

Know your credit score.

Paying debts on time and paying down balances can improve your credit and your debt-to-income ratio and help lower your interest rate saving you thousands of dollars. You also want to avoid new debt once you're in the home buying process. These are things lenders look at when they qualify you for the loan.

Identifying property and neighborhood desires: Elapsed time 1 minute 10 seconds [01:10]

Identify what you want.

Define your desires early in the process, like neighborhoods, school districts, walkability and other things. You can simplify your search and save time and effort.

Factoring a down payment into your budget: Elapsed time 1 minute 23 seconds [01:23]

Decide on a down payment.

There are loan options that require as little as 3% down, or 0% for eligible service members and veterans, but a 20% down payment could save you money by eliminating potential cost of private mortgage insurance on conventional loans.

You'll also need to leave yourself a cash reserve beyond what's required to get into the home to be ready for other unforeseen expenses.

Hiring a real estate agent to guide you: Elapsed time 1 minute 48 seconds [01:48]

Hire a great real estate agent.

There's a lot at stake here, so you want to select an agent that is trusted, licensed, reputable and experienced in all of your needs and wants in buying a home.

Familiarizing yourself with the desired neighborhood: Elapsed time 2 minutes 1 second [02:01]

Visit your prospective home often.

Be sure to drive by the property you're interested in at different times. A home that looks wonderful by day may look quite different in the evening hours.

Get prequalified: Elapsed time 2 minutes 12 seconds [02:12]

And finally, get prequalified for your mortgage.

When you are prequalified, you'll be able to make an offer on the home you want with confidence, knowing that it's within your price range. It may even afford you the upper hand when multiple offers are on the table.

We hope you found this information helpful!

Description of visual information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.] End of description.

End: Elapsed time 2 minutes 37 seconds [02:37]

Teaching your teen good money habits with their first job

August 10, 2026 | Video: 2 minutes 25 seconds

Video Duration: 2 minutes 25 seconds

Intro: Elapsed time 0 minutes 0 seconds [0:00]

Your teenager started their first job. It's an exciting time. As they start earning money, you have an opportunity to prepare your teen for good money habits now and in the future. It's important to plan where their money will go, even if they don't have specific goals in mind.

A great way to start is to put their money into three buckets: spend, save and give. Your teenager can choose where they'd like their money to go. They could spend it on current wants and needs, save it for the future or donate it to a cause of their choosing. This allows them to picture the power of their finances.

After your teenager starts working, it's time to help them understand their paycheck, especially when it comes to taxes and deductions. Have a conversation with them about gross income, which is the total amount of income they earn, vs. net income, which is the amount of income they actually receive after employers make deductions to cover federal and state requirements plus benefits costs. Net income is also commonly called “take-home pay.” Make sure they're not caught off guard when that first paycheck arrives and it's less than what they expected.

After they receive their first paycheck, it's time to put their budget plan into action. With the three buckets in mind, you can set up youth banking accounts that will help them prioritize their money goals. This also provides you with enough parental controls to help them course correct if needed.

As a parent, you can leverage technology to ensure your child is prudent with their spending.

USAA Youth Spending and USAA Youth Savings accounts have features like direct deposit, so that teens can automatically divide their paychecks into checking and savings accounts. Another benefit is the ability to “bucketize” money into different categories. This helps guard against unnecessary spending and establishes control of their money. Once they're old enough, your teen can convert their accounts to traditional checking and savings accounts to use as an adult, or the bank may automatically convert it for them.

For a teen earning their first paycheck, it may seem daunting to consider their financial future, but everyone must start somewhere. And by practicing money management now, they'll be on track for financial independence as adults. Visit www.usaa.com/youthbanking to explore our youth banking options today.

Description of visual information: [Deposit products and services offered by USAA Federal Savings Bank, Member FDIC.

8578128] End of description.

End: Elapsed time 2 minutes 25 seconds [2:25]

Quick tips about life insurance

August 10, 2026 | Video: 1 minute 50 seconds

Video Duration: 1 minute 50 seconds

Intro: Elapsed time 0 minutes 0 seconds [00:00]

Life insurance is a basic building block in our finances that shouldn't be overlooked. If you're financially responsible for taking care of someone like a partner, a child or an aging parent, you may need life insurance.

How can life insurance help me? Not having life insurance can leave loved ones at risk if someone they depend on dies unexpectedly. Life insurance can give your family the money they need to cover necessities like groceries, mortgage or rent, and other basic living expenses.

How much life insurance do I need and what kind? There are two types of life insurance policies: permanent life and term life. A permanent policy is meant to last your entire life. A term policy lasts for a certain duration to help protect family and financial needs that will change over time.

When you buy life insurance, a good starting point is to get enough coverage to pay off all your debts and replace your annual income for at least five years. This should give your family enough money to keep things going after you're gone.

If you don't already have life insurance, term life insurance may be the best kind to consider. You can set the term based on what you want to protect, like the length of your mortgage or until your youngest child is old enough to be financially independent.

Isn't life insurance expensive? It's a common belief that life insurance is expensive. In fact, people often overestimate the cost of life insurance by as much as three times its actual cost. But the truth is that life insurance can be an inexpensive way to protect your family when you're no longer here.

To see what your life insurance needs are and how affordable it can be, visit usaa.com/life or call an agent at 800-531-LIFE (5433) today!

Description of visual information: [Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

7990342] End of description.

End: Elapsed time 1 minute 50 seconds [01:50]

Helping military spouses and veterans find jobs

August 10, 2026 | Video: 1 minute 26 seconds

Understanding mortgage interest rates & points

August 10, 2026 | Video: 2 minutes 02 seconds

Video Duration: 2 minutes 02 seconds

Interest rates explained: Elapsed time 0 minutes 0 seconds

Mortgage interest rates and points can be a lot to digest! You should know, just about every lender has a variety of interest rates available to you. Let's learn why and find out how you can use interest rates and points to your advantage. Think of interest as the price you pay for using someone else's money until you pay it back. The rate of the interest you will have to pay, depends a lot on the market.

Ways to lower your interest rates: Elapsed time 0 minutes 28 seconds [00:28]

There are ways you can lower your interest rate and reduce your total payments, including making a larger down payment, choosing a shorter loan term and boosting your credit score. Points are a way for the lender to provide more interest rate options to the borrower to fit your specific situation better. They come in two forms: origination and discount points.

Origination fees explained: Elapsed time 0 minutes 50 seconds [00:50]

Origination fees are points paid to the lender at closing and used to cover the costs of processing the loan.

Discount points explained: Elapsed time 0 minutes 56 seconds [00:56]

Discount points are fees that allow you to buy down your interest rate, therefore lowering your monthly payment.

Buying points may give you a tax benefit, but you should contact a tax professional for your specific tax situation.

Although discount points can buy a lower interest rate, it may take some time to see the benefit. One point is worth 1% of your loan amount.

Let's say you're borrowing $100,000 and by paying one point — or $1,000 — you can lower your monthly payment by $50. To figure your breakeven, you divide $1,000 by $50, which means you'd have to hold the mortgage for 20 months to recoup the 1 point you paid for a lower interest rate.

To decide if points are right for you, make sure you have enough cash on hand for other closing costs, move-in expenses and general emergencies. Also consider using any excess cash toward a larger down payment or for other financial goals, instead of paying points.

As always, crunching the numbers is easier with help

Description of visual information: [USAA Logo on blue background.] End of description.