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[{"headlineText":"What to look for when choosing a life insurance provider","imagePath":"","time":"1 minute 56 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"YRamRFktcE9aDBGC6cEi6r","alternateVideoSource":"","transcript":"<h3>Finding a policy: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nYou've decided you want to get life insurance. You'd like to secure your financial future and protect your loved ones after your death. But finding a policy that fits your needs can be overwhelming. With so much information out there, it can be difficult to decide what type of policy to choose or how much coverage you should get.\n<h3>3 key factors: Elapsed time 0 minutes 19 seconds [00:19]</h3>\nHere are 3 key factors to keep in mind as you shop for life insurance.\n<h3>Compare insurance providers: Elapsed time 0 minutes 24 seconds [00:24]</h3>\n1. Compare insurance providers.\nGetting life insurance is a long-term commitment. So, you want to make sure the company you choose will be around for a long time. Start by comparing insurers based on how financially strong they are. Groups like A.M. Best, Moody's Investors Service and S&P Global Ratings can help you get a feel for how well the company is performing.\n<h3>Compare the products: Elapsed time 0 minutes 47 seconds [00:47]</h3>\n2. Compare the products.\nLife insurance companies offer different products and services. When you consider things like death benefits or the premiums you'll pay, be sure to compare apples to apples. For instance, it wouldn't help if you compared a term life insurance policy from Company A with a permanent one from Company B. Also, when you weigh the same type of policy, pay close attention to details, such as the length of the term, fees and whether you'llneed a medical exam. These factors can affect how much you'll pay.\n<h3>Compare the service: Elapsed time 1 minute 20 seconds [01:20]</h3>\n3. Compare the service.\nBecause life insurance policies are a long-term commitment, you want to make sure the company you choose has a solid reputation. Companies like J.D. Power rate life insurance companies based on customer satisfaction.\n<h3>Bundle for discounts: Elapsed time 1 minute 35 seconds [01:35]</h3>\nYou also want to consider the other products an insurance provider offers. You may be able to get a discount based on bundling other types of insurance like auto or homeowners.\n<h3>Peace of mind with the right provider: Elapsed time 1 minute 46 seconds [01:46]</h3>\nIt can take a bit of effort to narrow down your choices. But once you find an insurance provider you feel comfortable with, you'll have peace of mind knowing your loved ones will be taken care of.\nDescription of visual information: [Visit <a href=\"https://www.usaa.com/inet/wc/insurance_life_main\">usaa.com/advice</a> to learn more.\nThis material is for informational purposes. Consider your own\nfinancial circumstances carefully before making a decision and\nconsult with your tax, legal or estate planning professional. NC] End\nof description.\n<h3>End: Elapsed time 1 minute 56 seconds [01:56]</h3>\n","videoTitle":"What to look for when choosing a life insurance provider","videoDurationDisplay":"1 minute 56 seconds","modalId":null},{"headlineText":"Life insurance for military spouses","imagePath":"","time":"3 minutes 15 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Making family decisions about life insurance","imagePath":"","time":"2 minutes 15 seconds","ctaUrl":"","updatedDate":"June 26, 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":"June 26, 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":"Teaching your teen good money habits with their first job","imagePath":"","time":"2 minutes 25 seconds","ctaUrl":"","updatedDate":"June 26, 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":"What to Do When Your Vehicle Lease Ends","imagePath":"","time":"2 minutes 6 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"rzCfDmYS41qXNHCho9FAfb","alternateVideoSource":"","transcript":"<h3>Your lease is ending: Elapsed time 0 seconds [0:00]</h3>\nYour auto lease is nearing its end. What are you going to do next? Depending on your lease, you may have a few options: Walk away, trade in or buy out your lease.\n<h3>Review your lease documents: Elapsed time 10 seconds [0:10]</h3>\nThe vehicle economy has changed with COVID-19, creating a shortage of new and slightly used vehicles. This means that used cars aren't losing value as quickly as they used to. So it's a good idea to take a look at your lease for a "buyout clause" and for more details about your options.\n<h3>Why would you walk away: Elapsed time 27 seconds [0:27]</h3>\nWhy would you walk away from your lease? The current shortage means that a lot of dealers are happy to buy cars that come back from a lease, even before the lease ends. Sometimes they'll even pay your remaining monthly lease payments to sweeten the deal. Maybe you leased for a specific reason like helping to build or improve your credit. Hopefully, you've accomplished your goal and are ready to move on to the next thing, whether it's another lease or a bigger purchase with better rates.\n<h3>What about trading it in: Elapsed time 52 seconds [0:52]</h3>\nWhat about trading it in? The purchase price of your vehicle was set when you began your lease. Because of the recent changes in auto supply, the dealer's buy-back price may be more than the car is worth. You can use the difference in the trade-in value to help you purchase or lease your next vehicle. Trading in your lease could also be a good option if your transportation needs, or wants, have changed.\n<h3>What about buying the vehicle: Elapsed time 1 minute, 13 seconds [1:13]</h3>\nBut what if you like your car and want to buy it? Find out the "true value" of your vehicle. This will tell you whether you're getting a good deal with the guaranteed price from your lease agreement. How do I find that out, you ask? Go to a dealership and ask for an offer from a used car manager, not a salesperson. Buying before your lease ends could help you avoid fees. When you lease, you're agreeing to things like a mileage cap. If you go over that cap while you're leasing, you could pay a hefty fine. If you own the vehicle, you can put as many miles on it as you want. Plus, after your three-year test drive, you should know if you like the vehicle and want to keep it.\n<h3>Keep your budget in mind: Elapsed time 1 minute, 52 seconds [1:52]</h3>\nIt's all about what works for you and your budget. If you want to buy, a USAA Bank auto loan may be the way to go. \nDescription of visual information: [Consider calling us at 800-531-0342. Loans subject to credit and property approval. Minimum and maximum loan amounts apply and are subject to change without notice. \nBank products provided by USAA Federal Savings Bank, Member FDIC.] End of description\n<h3>End elapsed time 2 minutes, 6 seconds [2:06]</h3>\n","videoTitle":"What to Do When Your Vehicle Lease Ends","videoDurationDisplay":"2 minutes 6 seconds","modalId":null},{"headlineText":"Making decisions around retirement and social security","imagePath":"","time":"1 minute 55 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"qhtGwWzrdgqqcysEGAFvQ1","alternateVideoSource":"","transcript":"<h3>The importance of Social Security: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDescription of visual information:[USAA Life Insurance Company and USAA Life Insurance Company of New York]End of description  \nHi, I'm Scott Rhiger, a retirement income specialist with USAA.\nWe're here to help you navigate unforeseen risks that may affect your retirement. Social Security could represent the biggest part of your retirement income. So the decision about when to start receiving these benefits is critical.\nFor many, it's a life-altering, permanent decision. Yet often retirees do not seek advice from a professional. \nWe're here to help simplify your decision making so you can make the right choice.\n<h3>Understanding your benefits: Elapsed time 31 seconds [00:31]</h3>\nFirst, you need to know your Social Security benefits. If you don't have a recent statement or online account, you can access Social Security administration website to create your personal account. You will see your estimated monthly benefit amounts at various starting ages.\nSecond, you need to understand how your life expectancy, age and earnings can affect your ideal strategy. Benefits can vary as much as 70% depending on your age at the time you claim them.\nKey takeaways. One, estimate your Social Security benefits. Two, factor in your longevity and earnings history.\n<h3>Seek help from USAA: Elapsed time 1 minute, 16 seconds [01:16]</h3>\nFinally, seek help from a Retirement Income Specialist. Your decision about when to claim Social Security is too important to leave up the chance.\nOur retirement income team is here to help. Together, we'll spend time understanding your needs, wants and wishes in your retirement years and develop a strategy to incorporate Social Security benefits into your plan.\nSchedule a call on usaa.com/retirement for a time that's convenient for you or call us at 800-531-3392. Thank you.\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.] End of description\n<h3>End: Elapsed time 1 minute 55 seconds [01:55]</h3>\n","videoTitle":"Making decisions around retirement and social security","videoDurationDisplay":"1 minute 55 seconds","modalId":null},{"headlineText":"Wildfire Preparation","imagePath":"","time":"2 minutes 27 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"ydW5C2rC6dTi72o6UkhC8r","alternateVideoSource":"","transcript":"<h3>Protect Your Family: 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, 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.] End of description.\n<h3>End: Elapsed time 2 minutes 27 seconds [02:27]</h3>\n","videoTitle":"Wildfire Preparation","videoDurationDisplay":"2 minutes 27 seconds","modalId":null},{"headlineText":"Helping your teen become a safe driver","imagePath":"","time":"1 minute 40 seconds","ctaUrl":"","updatedDate":"June 26, 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 ways to prep for your next military move","imagePath":"","time":"1 minute 39 seconds","ctaUrl":"","updatedDate":"June 26, 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\nrelated to their military move or permanent change of station, PCS? Since\nmost military members move on average every two to three years, let's look\nat 4 easy steps you can take to help avoid going into debt during your next\nPCS.\nBecause of potential unreimbursed expenses associated with a military move,\nUSAA recommends establishing a PCS fund worth $2,000 plus whatever is\nrequired for your unique situation.\nMoving a boat, an RV or overseas with a large dog, you probably want to\nhave more than $2,000 in your PCS fund to pay for these expenses.\nEstimate what you might be spending out of pocket and have a plan to pay\nfor these expenses each PCS.\nSince your next move is probably 2 to 3 years away, begin saving now.\nIf you save as little as $50 a month, and then move in 3 years, you will have\n$1,800 saved up to help cover unexpected or unreimbursed moving\nexpenses. This helps you not go into additional debt.\nThe best way to save for this PCS fund is to make it automatic by setting\naside a small amount of your paycheck each month. For most people, if you\nwait until the end of the month to save, you'll reach the end of the month\nand find that there is nothing left over with which to save.\nSo, save first.\nCongratulations, you survived another military move. Once you are settled,\ndetermine how much of your PCS fund you have spent and have a plan to\nreplenish it before your next PCS.\nDescription of visual information: [This material is for informational purposes.\nConsider your own financial circumstances carefully before making a decision\nand consult with your tax, legal or estate planning professional.\nUSAA means United Services Automobile Association and its affiliates.\nInternal\nUSAA Classification: Public\nNo Department of Defense or government agency endorsement.\nInformation last reviewed as of January 2023 and is subject to change. NC]\nEnd of description.\n<h3>End: Elapsed time 1 minute 39 seconds [01:39]</h3>\n","videoTitle":"4 ways to prep for your next military move","videoDurationDisplay":"1 minute 39 seconds","modalId":null},{"headlineText":"Why you may need rental property insurance","imagePath":"","time":"1 minute 43 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"bj2hcLk75inQXxkWGziduy","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nSo, you're thinking about earning some extra income by renting out your home. Short-term rental platforms like Airbnb or Vrbo can be appealing prospects if you own property in a tourism-friendly area. That house by the lake or your apartment that's in walking distance of the local entertainment district might have you seeing dollar signs.\nWhether you're interested in renting a single room in your primary residence or an entire second home, you'll want to make sure you've got the right insurance protection for your needs. Without it, you could be exposed financially if something goes wrong.\nBut your homeowners insurance covers the property you rent, right?\nWell, here's the deal: The moment any area of your primary or secondary residence becomes a short-term rental “business,” you'll need an added level of protection to your homeowners policy. That's where rental property insurance comes in. It helps bridge that coverage gap.\nLet's say your short-term renter accidentally starts a fire in the property's kitchen. Both the fire and the firefighting method cause significant damage. Rental property insurance would reimburse you for lost rental income while your short-term rental is being repaired following a claim.\nHow can you make sure you've got the right insurance for your short-term rental?\nTalk to your USAA insurance professional. They can help you align your coverage to your rental property insurance needs. Are you planning to rent a single room in your primary home for occasional weekend stays? Do you hope to rent a room or an entire second home on a more regular basis? What coverage does USAA provide for Short Term Rentals? Answers to those types of questions can help us guide you to the rental property coverage that's right for you. So, give us a call and let's get started.\nDescription of visual information: [Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.\nMembership eligibility and product restrictions apply and are subject to change.\nRental Property Insurance means Dwelling Property Insurance. Dwelling Property Insurance provided by United Services Automobile Association(USAA), USAA Casualty Insurance Company, United Services Automobile Association General Indemnity Company, Garrison Property and Casualty Insurance Company, San Antonio, Texas. Each company has sole financial responsibility for its own products.\nCoverages subject to the terms and conditions of the policy.\n7862122] End of description.\n<h3>End: Elapsed time 1 minute 43 seconds [01:43]</h3>\n","videoTitle":"Why you may need rental property insurance","videoDurationDisplay":"1 minute 43 seconds","modalId":null},{"headlineText":"Is SGLI enough to protect your family?","imagePath":"","time":"2 minutes 0 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Should I get life insurance for my child?","imagePath":"","time":"2 minutes 40 seconds","ctaUrl":"","updatedDate":"June 26, 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":"How much does life insurance cost?","imagePath":"","time":"2 minutes 33 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"wFBqqx4WBZwa9fdo4pRVfL","alternateVideoSource":"","transcript":"<h3>Intro: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nIntro: Elapsed time 0 minutes 0 seconds [00:00]\nDescription of visual information: [Information Courtesy of USAA Life Insurance Company and USAA Life Insurance Company of New York\nHow much does life insurance cost?]\nThe idea of buying life insurance may have crossed your mind. You like the peace of mind it provides, but you don't like the idea of another monthly bill. We get it.\nBut this internal tug of war doesn't have to keep you up at night.\nThat's because life insurance is often less expensive than people think. There are many factors that can impact your cost, such as your health, hobbies and the type of coverage. So, you may be able to qualify for an affordable rate based on your situation.\nLet's break down the costs of the two most popular types of life insurance coverage.\nIf you're searching for a plan that fits your budget, you should consider term life insurance.\nFor example, A 20-year, $250,000 level-term life insurance policy for a health 30-year-old typically costs only a few hundred dollars per year.\nNot only is it affordable, but it can also make budgeting a breeze. While some policies, called annual renewable term, have annual price increases to account for, level term insurance offers a fixed premium for a specified number of years to help make planning easy\nIf your budget has some wiggle room, you might consider buying permanent life insurance. If you choose this option, your monthly premium will likely be higher because the coverage is meant to last a lifetime. That said, your policy may build cash value to help offset the costs.\nFor example, suppose Jill takes out a $50,000 permanent life policy on her 35th birthday, which costs her $700 a year. She pays on the policy for 30 years, and at age 65, she decides she no longer needs the coverage. Over 30 years, she paid $21,000 in premiums. Not bad, considering her beneficiaries would have received $50,000 in the event of her death. But that's not all. Since her policy was designed to accrue cash value over time, her policy will now return her $16,000 upon cancellation.\nBy subtracting $16,000 from $21,000, the net cost of the policy can be thought of as $5,000 over those 30 years. Averaged out, that's a little less than $14 per month. That's a terrific deal.\nSo, don't wait. Life insurance may be within a closer reach than you think. Take charge of your peace of mind and call us at 1-800-531-5433 to get an estimate for how much life insurance could cost you.\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.\n8177733] End of description.\n<h3>End: Elapsed time 2 minutes 33 seconds [02:33]</h3>\n","videoTitle":"How much does life insurance cost?","videoDurationDisplay":"2 minutes 33 seconds","modalId":null},{"headlineText":"How to create a budget","imagePath":"","time":"0 minutes 57 seconds","ctaUrl":"","updatedDate":"June 26, 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":"The basics of life insurance","imagePath":"","time":"2 minutes 7 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Why you should seal your roof","imagePath":"","time":"0 minutes 42 seconds","ctaUrl":"","updatedDate":"June 26, 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":"What to do when your term is expiring","imagePath":"","time":"2 minutes 26 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Should I rent or buy my next home?","imagePath":"","time":"2 minutes 23 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Planning for long-term care","imagePath":"","time":"2 minute 31 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"JAgkhNPgR9EM4yYapnw5ec","alternateVideoSource":"","transcript":"<h3>What’s long term care: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nMost Americans will need long-term care at some point in their lives. As we age, everyday tasks like dressing, bathing and eating can become challenging. That's when we might need help from nurses, home health aides or nursing facilities.\nThis type of support is known as long-term care.\n<h3>Plan: Elapsed time 0 minutes 16 seconds [00:19]</h3>\nThe cost of a full-time home health aide or a private room in a nursing home can be more than what many people can afford. The costs of these services keep rising every year and medical insurance or Medicare usually won't cover these costs.\nCreating a plan to help cover these potential expenses can make it less challenging for you and your family.\n<h3>Communicate with family: Elapsed time 0 minutes 39 seconds [00:39]</h3>\nMost often, family members, especially children, step in to provide care. Family support is important and it’s helpful to have open conversations with your loved ones about your plans. This can help make it easier when the need for long-term care arises.\nBeing a caregiver can be emotionally and financially stressful. Many struggle to pay their own bills, dip into savings or can't save for their own future or retirement. Relying solely on personal funds to cover long-term care can become a burden.\nIt's important to think about it as a financial tool. Insurance companies offer different products that can help make long-term care more affordable.\n<h3>Your next steps: Elapsed time 1 minute 18 seconds [01:18]</h3>\nSo, what’s your next step? Work with a financial professional to help you create a plan for the future and explore different insurance options. Have the discussion with your family. It may not be easy, but it'll make a difference when you or your loved ones need long-term care.\nUSAA believes that everyone should have a plan for managing their long-term care needs. We can help review your options and help you make the best decision for your needs.\nCall 800-531-1426 to speak with a specialist who can review your options and help you make the best decision for your needs.\n<h3>End: Elapsed time 1 minute 54 seconds [01:54]</h3>\n","videoTitle":"Planning for long-term care","videoDurationDisplay":"2 minute 31 seconds","modalId":null},{"headlineText":"Quick tips about life insurance","imagePath":"","time":"1 minute 50 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Understanding mortgage interest rates & points","imagePath":"","time":"2 minutes 02 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Start enjoying retirement with a SPIA.","imagePath":"","time":"1 minute 25 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"aysw8jcD6sscr9Md54eGAk","alternateVideoSource":"","transcript":"<h3>Saving for retirement: Elapsed time 0 seconds [00:00]</h3>\nYou did the smart thing by putting away money all your life. But, now that you're nearing retirement, you may be wondering how to make the best use of your hard-earned cash.\n<h3>SPIA and how it works: Elapsed time 10 seconds [00:10]</h3>\nWhether you're getting ready to retire or already enjoying retirement, a USAA Single Premium Immediate Annuity – or SPIA – may be the right choice for you.\nA USAA SPIA works like a paycheck. You pay in a lump sum, and in return, you get a series of guaranteed payments for life, for a set period or both.\n<h3>Who benefits from SPIA?: Elapsed time 32 seconds [00:32]</h3>\nNo matter how long you live, you can receive income to support you and your loved ones. After you're gone, remaining payments, if any, will pass down to your beneficiaries.\nA USAA SPIA can add to other retirement income such as Social Security or pensions. You can spend on what you want when you want. It can be an efficient way to generate income, and, with USAA's competitive rates, you can make the most of your hard-earned retirement savings.\n<h3>SPIA is an insurance product: Elapsed time 1 minute 2 seconds [01:02]</h3>\nSince a USAA SPIA is an insurance product and not an investment, you don't have to worry about losing your money or taking portfolio withdrawals during market downturns.\n<h3>Speak to a specialist today: Elapsed time 1 minute 12 seconds [01:12]</h3>\nStart living your best retirement with a USAA SPIA. To get advice you can count on, speak to a USAA Retirement Income Specialist today.\nGuarantees 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.\nMoney not previously taxed is taxed as income when paid. Withdrawals before age 59½ may be subject to a 10% federal tax penalty.\nAn annuity is a long-term insurance contract issued by an insurance company designed to provide a retirement income stream for life. Once the contract principal is converted into an income stream, you will no longer have access to your principal as a lump sum. Terms, conditions, limitations and surrender charges may apply.\nGuaranteed Retirement Income Plan (GRIP): Forms ASI94832ST 10-11, ASI97207AK 10-11, ASI94878AR 10-11, ASI97208AZ 10-11, ASI94875CA 10-11, ASI97165CT 10-11, ASI97123IA 10-11, ASI97032ID 10-11, ASI94876IL 10-11, ASI97195KS 10-11, ASI97170MA 10-11, ASI94940MD 10-11, ASI94879MN 10-11, ASI94921MT 10-11, ASI94920NJ 10-11, ASI97268OH 10-11, ASI94877OK 10-11, ASI94941OR 10-11, ASI94922PA 10-11, ASI94833TX 10-11, ASI97124VA 10-11, ASI94874OS 10-11, NSI94897NY 10-11, NSI97130NY 10-11\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. Each company has sole financial responsibility for its own products.\n<h3>End: Elapsed time 1 minute 25 seconds [01:25]</h3>\n","videoTitle":"Start enjoying retirement with a SPIA.","videoDurationDisplay":"1 minute 25 seconds","modalId":null},{"headlineText":"What's a life insurance beneficiary?","imagePath":"","time":"2 minutes 0 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Is Your Home Insurance Ready for a Natural Disaster?","imagePath":"","time":"1 minutes 1 second","ctaUrl":"","updatedDate":"June 26, 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":"Pet Evacuation Tips","imagePath":"","time":"2 minutes 53 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"a5oNZ8ZAoDDb9NzQRgJdt3","alternateVideoSource":"","transcript":"<h3>Intro [00:00]</h3>\nWhen natural disasters strike, it can be hard to know exactly what steps you need to take. As with any emergency, knowing what to do beforehand can be key to protecting your family – including your pets.\nHere are a few tips that will help you make sure your pets are ready to go if there's a possible evacuation in your area.\n<h3>Provide care [00:20]</h3>\nBefore you evacuate: Find a safe place for your pet to stay. Not all hotels accept pets, and shelters are often overwhelmed during a natural disaster.\nChoose a caregiver for your pets. A caregiver is someone who can help evacuate your pets in an emergency if you're unable to do it yourself. Choose someone who is trustworthy, is close by and has access to your home. Make sure they know the plan and have a key or access code to your home.\n<h3>Emergency supply kit [00:49]</h3>\nPrepare your pet's emergency supply kit. Have a kit ready with all your pet's immediate needs like food, medication and leash or carrier. Plan to have enough supplies in case you can't return to your home for several days or weeks.\nHere are a few suggestions for your pet emergency kit.\nHave at least five to seven days' worth of food and water for each pet in airtight containers. Include bowls and a manual can opener.\nIf your pet is on any medication, make sure you have it with you in a childproof container that's clearly labeled with the name, dose and strength.\n<h3>Keep them safe [01:26]</h3>\nHave a portable crate or carrier to keep your pet calm and safe while traveling or staying in a new place. A favorite toy or bedding can help comfort your pet while they're away from their home.\nHave a supply of plastic bags and cleaning wipes to clean up after your pet. Pet pads or litter boxes are essential.\nYou'll need a leash or harness and collar for your pet. Make sure they have an ID tag with current information like address, phone number and microchip number.\nAnd finally, some shelters may require proof that your pet's shots are up to date, so it's important to have their medical records. If your pet is chipped, include the microchip info in case they get lost.\n<h3>Keep them calm [02:13]</h3>\nAnd remember, your pets may feel the stress of an evacuation. Their behavior may change dramatically after a disaster, becoming aggressive or defensive. Be aware of their emotional state and protect them from hazards at nose and paw or hoof level. Comfort them the best you can and consult your veterinarian if behavior issues continue.\nPlanning can reduce worry and anxiety when a natural disaster strikes. You can download our step-by-step checklist to make sure your pet's basic needs are met if you need to evacuate.\nDescription of visual information: [USAA means United Services Automobile Association and its affiliates.] End of description.\n<h3>End [02:50]</h3>\n","videoTitle":"Pet Evacuation Tips","videoDurationDisplay":"2 minutes 53 seconds","modalId":null},{"headlineText":"The 6 Principles of Investing","imagePath":"","time":"1 minute 43 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"t9usG89hDpgnE7fH8qjHoL","alternateVideoSource":"","transcript":"<h3>Knowing the basics of investing: Elapsed time 0 seconds [00:00]</h3>\nKnowing the basics of investing can help you prepare financially for the future.\nTake Sally, who's starting her career. She decides to follow six investing principles as she works toward her goals.\n<h3>Six investing principles: Elapsed time 11 seconds [00:11]</h3>\nNumber one, start early.\nThe first principle that Sally follows is to start saving early. She begins investing for retirement early in her career by making saving part of her monthly budget. By doing this, she's giving her money more time to grow.\nNumber two, start small.\nSally saves what she can. She wants to build up to saving 10% of her income for retirement. This amount includes her company's matching contributions.\nNumber three, stay committed.\nRealizing it takes time to grow money, Sally saves consistently. During her financial journey, she learns about services like automated investing. When needed, she also seeks guidance from a financial advisor.\nNumber four, diversify investments.\nTo help protect her money, Sally selects different types of investments. She recognizes the risk of investing heavily in one company.\nNumber five, consider timeframes.\nWhen investing, Sally thinks about when her money might be needed. This helps her determine the amount of risk she's willing to take.\nNumber six, stay calm when the market is not.\nSally stays focused on her long-term goals when the market is unpredictable. She keeps her emotions in check and reviews her investment plan before responding to market changes.\nAre you like Sally and ready to buy stocks or save for retirement? As you invest for your future, our trusted investment provider can offer a variety of options.\nDescription of visual information: [ Investments/Insurance: Not a Deposit • Not FDIC Insured • Not Bank Issued, Guaranteed or Underwritten • May Lose Value\nInvesting involves risk, including potential loss of principal.\nUSAA and its affiliates do not provide tax advice. Taxpayers should seek advice based upon their own particular circumstances from an independent tax advisor.\nDiversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses.\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.] End of description\n<h3>End: Elapsed time 1 minute 43 seconds [01:43]</h3>\n","videoTitle":"The 6 Principles of Investing","videoDurationDisplay":"1 minute 43 seconds","modalId":null},{"headlineText":"What you should know about group life insurance","imagePath":"","time":"2 minutes 25 seconds","ctaUrl":"","updatedDate":"June 26, 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":"How to teach your kids to be financially independent","imagePath":"","time":"2 minutes 30 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Giving the gift of life insurance","imagePath":"","time":"2 minutes 35 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"ddtHCic4DXQpDCXigajymh","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDescription of visual information: [USAA Life Insurance Company and USAA Life Insurance Company of New York] End of description.\nLife insurance helps you provide financial protection for loved ones after your death. Although you may not want it for a birthday gift, you can use life insurance to give meaningful security to people and causes you care about most. Let's talk about three common ways to give the gift of life insurance.\nFirst, you can name a beneficiary on your own policy. A beneficiary is the person or organization who gets the death benefit of the policy when you pass away. Choosing a beneficiary makes sure the benefit goes where you want, and it's usually tax-free.\nIf you want to give to a charity, make sure you choose a policy that fits your goals best, such as permanent life insurance. Remember that whenever your life changes, you'll want to make sure your beneficiary still matches your wishes. And you can change your beneficiary anytime, unless it's irrevocable.\nSecond, you can buy a policy for someone you love. People often cover a child or grandchild to protect the child's future insurability or build cash value over time. The good news is it's usually easier to get a policy for a child because most companies don't require them to get medical exams.\nYou can usually get a policy right away, unless the child has a major health problem. If you're not the parent of the child, you'll need to make sure that the parents or guardians agree with your gift.\nYour purpose for giving a policy can help you decide which type to buy. You can choose between term life insurance, which provides coverage for a specific period, and permanent life insurance, which is intended to provide coverage for life. If you want to build a cash value, permanent life insurance policies are the way to go.\nIt's also helpful to understand life insurance contract roles before buying a policy for someone else.\n<ul>\n<li>The owner controls the decisions of the policy.</li>\n<li>The insured is covered by the policy.</li>\n<li>The beneficiary receives the benefit and can be a person or organization.</li>\n</ul>\nThird, you can establish a charitable remainder trust, or CRT, as the owner of a life insurance policy.\nIf you fund the trust with additional assets, it could give you or your beneficiary income during your life.\nWhen you die, the charity you named as the remainder beneficiary of the CRT will receive the benefit from your life insurance policy.\nBe sure to talk to a financial professional to determine the best strategy for you.\nYou can learn more about life insurance options at <a href=\"/insurance/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. \n5861198] End of description.\n<h3>End Elapsed time 2 minutes 35 seconds [02:35]</h3>\n","videoTitle":"Giving the gift of life insurance","videoDurationDisplay":"2 minutes 35 seconds","modalId":null},{"headlineText":"Life insurance for new parents","imagePath":"","time":"2 minutes 34 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Why you should get life insurance in your 20s","imagePath":"","time":"2 minutes 1 second","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"Mpk9s74t7ifyCrJpYcj1sV","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.\nFor most people in their 20s, thinking about life insurance isn't at the top of the priority list. But it should be.\nIt just might be the best time to buy life insurance. Here's why.\nYou're facing more responsibilities. If you're married, you'll want to have life insurance to protect your family. If you're not, it doesn't mean you won't be later. And if you don't get married, later in life there may be people close to you who you'd like to provide for financially after you die.\nLife insurance can also help protect you down the road if you:\n<ul>\n<li>Get a mortgage to buy a home.</li>\n<li>Start your own business.</li>\n<li>Get student loan debt.</li>\n</ul>\nYou care about your financial future.\nThink of life insurance as a way to play financial defense. It helps protect you and your loved ones against the unexpected.\nIf you have life insurance, it's also a way to build a strong financial plan that will protect your earning ability now and into the future.\nYou want to take advantage of your youth and health. We're often in the best shape of our lives in our 20s, which is usually why it's the easiest time to qualify for life insurance coverage.\nThose savings multiply and translate to bigger savings over time.\nThe older you get, the more expensive coverage can be. And that's true even before you consider other factors like family health history, risky hobbies or dangerous working conditions.\nIf you apply for coverage when you're young, you might be able to lock in a low insurance premium for the next 30 years with term life insurance.\nOr you could start accumulating tax-deferred cash with permanent life insurance.\nWe offer standard life insurance policies and policies specifically designed for those just starting out.\nTo learn more about buying life insurance, go to <a href=\"/inet/wc/insurance_life_main\" target=\"_self\">usaa.com/life</a>. Or call a USAA licensed life agent at 800-531-LIFE (5433).\nDescription of visual information: [The 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 relates to all personal circumstances.\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.\n7970768] End of description.\n<h3>End: Elapsed time 2 minutes 1 second [02:01]</h3>\n","videoTitle":"Why you should get life insurance in your 20s","videoDurationDisplay":"2 minutes 1 second","modalId":null},{"headlineText":"Do I need to insure my engagement ring?","imagePath":"","time":"1 minute 46 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Building your home buying team","imagePath":"","time":"2 minutes 3 seconds","ctaUrl":"","updatedDate":"June 26, 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":"14 PCS tips from veteran military spouses","imagePath":"","time":"3 minutes 44 seconds","ctaUrl":"","updatedDate":"June 26, 2026","ctaText":"Watch video","contentType":"Video","dataUuid":"rhgNH57QePXK1oMsAYM92R","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 seconds [00:00]</h3>\nWhen you reflect on your first military move or permanent change of station (PCS), you'll likely note many lessons learned. But what if you could pre-learn many of those lessons from veteran military movers and save yourself the hassle? Here are 14 pro tips to make your first PCS a success.\n<h3>Tip 1, hand carry sheets and towels: Elapsed time 22 seconds [00:22]</h3>\nTip 1, hand carry sheets, towels, pillows, blankets, and even a shower curtain for your temporary lodging. Often, these temporary facilities are not fully furnished. Having these items easily accessible will also prevent you from digging through countless boxes the first night in your new home.\n<h3>Tip number 2, board your pets: Elapsed time 41 seconds [00:41]</h3>\nTip number 2, board your pets. On moving day, consider boarding your pets at a local vet or doggy day care so they don't get in the way or run off.\n<h3>Tip 3, get connected: Elapsed time 51 seconds [0:51]</h3>\nTip 3, get connected. Join the social media pages of your new installation, as well as military spouse groups. They'll have great information about housing, neighborhoods, restaurants, medical providers and more.\n<h3>Tip number 4, hand carry cleaning supplies: Elapsed time 1 minute 5 seconds [01:05]</h3>\nTip number 4, hand carry cleaning supplies. When you first arrive in your new home, you may need cleaning supplies before the movers show up. Also, some movers refuse to transport these items due to their flammable nature.\n<h3>Tip 5, personally transport important belongings: Elapsed time 1 minute 18 seconds [01:18]</h3>\nTip 5, personally transport important belongings. Don't leave the fate of irreplaceable or valuable items like baby books, marriage certificates, wedding albums and official documents to movers. Also, consider hand carrying medical and shot records you might need to enroll children in school. \n<h3>Tip number 6, track all items: Elapsed time 1 minute 36 seconds [01:36]</h3>\nTip number 6, track all items. Be sure every item or box that goes into the moving truck has a manifest sticker on it. These stickers ensure your items are tracked.\n<h3>Tip number 7, get contact numbers: Elapsed time 1 minute 47 seconds [01:47]</h3>\nTip number 7, get contact numbers. Keep contact numbers for your driver and moving company close at hand. They will have more up-to-date information on the status of your shipment than the military's transportation management office.\n<h3>Tip number 8, move items only once: Elapsed time 2 minutes [02:00]</h3>\nTip number 8, move items only once. In your new home, consider color coding each room so you can quickly direct the movers. This means less work for you when you're unpacking. \n<h3>Tip number 9, get travel reservations: Elapsed time 2 minutes 11 seconds [02:11]</h3>\nTip number 9, get travel reservations. Plan your travel months in advance, and pre-book hotels that fit within the military's lodging allotment. This will help you avoid getting into debt and reduce the stress of trying to find a last-minute hotel.\n<h3>Tip number 10, keep payments flowing: Elapsed time 2 minutes 26 seconds [02:26]</h3>\nTip number 10, keep payments flowing. Let your financial institutions know that you are moving so you don't have payments declined during or after your move. Consider automatic bill paying services so you don't miss paying any bills.\n<h3>Tip number 11, keep kids entertained: Elapsed time 2 minutes 39 seconds [02:39]</h3>\nTip number 11, keep kids entertained. Hand carry toys for the kids and dogs to help pass the time until your household goods arrive. Remember that you might be waiting a few weeks.\n<h3>Tip number 12, maintain a household list: Elapsed time 2 minutes 50 seconds [02:50]</h3>\nTip number 12, maintain a household list. Keep an updated household list, including photos of barcodes and model numbers of high-value items, such as TVs and entertainment systems. If you have to submit a claim for a lost or damaged item, photos can support your case.\n<h3>Tip number 13, separate your items: Elapsed time 3 minutes 6 seconds [03:06]</h3>\nTip number 13, separate your items. Assign a corner of your house, or, if possible, a room or a closet, for items you plan to hand carry. That way, something you need does not accidentally get packed with all of your other household goods.\n<h3>Tip number 14, write it down: Elapsed time 3 minutes 21 seconds [03:21]</h3>\nTip number 14, write it down. Save these tips for your next move and add your own lessons learned each time. It will get easier and less stressful. For more information and helpful resources for your next military move, 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, legalor estate planning professional.\nUSAA means United Services Automobile Association and its affiliates.\nNo Department of Defense or government agency endorsement.\nInformation last reviewed as of June 2022 and is subject to change.] End of description.\n<h3>End: Elapsed time 3 minutes 44 seconds [03:44]</h3>\n","videoTitle":"14 PCS tips from veteran military spouses","videoDurationDisplay":"3 minutes 44 seconds","modalId":null},{"headlineText":"How to choose your next credit card","imagePath":"","time":"3 minutes 20 seconds","ctaUrl":"","updatedDate":"June 26, 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":"First financial steps to take when joining the military","imagePath":"","time":"3 minutes 7 seconds","ctaUrl":"","updatedDate":"June 26, 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":"Medicare basics webinar","imagePath":"https://static.usaa.com/content/dam/digital/images2/medicare-basics-video-16-9.jpg","time":"1 hour","ctaUrl":"/retirement/videos-webinars/medicare-basics-retirement-journey/","updatedDate":"March 23, 2026","ctaText":"Watch video: Medicare Basics Webinar\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"How to Teach Your Kids to Be Financially Independent","imagePath":"https://static.usaa.com/content/dam/digital/images2/financially-independent-kids-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/advice/raising-financially-independent-kids","updatedDate":"March 18, 2026","ctaText":"Watch video: How to Teach Your Kids to Be Financially Independent\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Making Family Decisions About Life Insurance","imagePath":"https://static.usaa.com/content/dam/digital/images2/family-decisions-life-insurance-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/life-insurance-for-family","updatedDate":"March 18, 2026","ctaText":"Watch video: Making Family Decisions About Life Insurance\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Is SGLI Enough to Protect Your Family?","imagePath":"https://static.usaa.com/content/dam/digital/images2/military-spouse-life-insurance-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/military-life-insurance-is-sgli-enough","updatedDate":"March 18, 2026","ctaText":"Watch video: Is SGLI Enough to Protect Your Family?\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Life Insurance for New Parents","imagePath":"https://static.usaa.com/content/dam/digital/images2/new-parents-life-insurance-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/advice/life-insurance-for-new-parents","updatedDate":"March 18, 2026","ctaText":"Watch video: Life Insurance for New Parents\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Should I Get Life Insurance for my Child?","imagePath":"https://static.usaa.com/content/dam/digital/images2/kids-life-insurance-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/advice/benefits-of-life-insurance-for-children","updatedDate":"March 18, 2026","ctaText":"Watch video: Should I Get Life Insurance for my Child?\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"How to Save for Retirement After TSP","imagePath":"https://static.usaa.com/content/dam/digital/images2/retirement-saving-military-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/advice/saving-after-military-tsp-is-no-longer-available","updatedDate":"March 18, 2026","ctaText":"Watch video: How to Save for Retirement After TSP\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Buying Your First Home","imagePath":"https://static.usaa.com/content/dam/digital/images2/buying-first-home-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/advice/buying-your-first-home","updatedDate":"March 18, 2026","ctaText":"Watch video: Buying Your First Home\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"What to Do When Your Term Is Expiring","imagePath":"https://static.usaa.com/content/dam/digital/images2/expiring-life-term-policy-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/term-life-insurance-expires","updatedDate":"March 18, 2026","ctaText":"Watch video: What to Do When Your Term Is Expiring\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Helping Your Teen Become a Safe Driver","imagePath":"https://static.usaa.com/content/dam/digital/images2/teen-driver-safety-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/teen-driver-safety-tips","updatedDate":"March 18, 2026","ctaText":"Watch video: Helping Your Teen Become a Safe Driver\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Full Military Move vs. Personally Procured Move","imagePath":"https://static.usaa.com/content/dam/digital/images2/military-moving-pcs-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/advice/military-moving-options","updatedDate":"March 18, 2026","ctaText":"Watch video: Full Military Move vs. Personally Procured Move\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Life Insurance for Military Spouses","imagePath":"https://static.usaa.com/content/dam/digital/images2/military-spouse-life-insurance-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/advice/military-spouse-life-insurance","updatedDate":"March 18, 2026","ctaText":"Watch video: Life Insurance for Military Spouses\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Safe Driving in Italy","imagePath":"https://static.usaa.com/content/dam/digital/images2/safe-driving-italy-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/insurance/overseas/italy","updatedDate":"March 18, 2026","ctaText":"Watch video: Safe Driving in Italy\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Why You Should Seal Your Roof","imagePath":"https://static.usaa.com/content/dam/digital/images2/sealed-roof-deck-thumbnail-16-9.jpg","time":"1 minute","ctaUrl":"/advice/protect-against-roof-water-damage","updatedDate":"March 18, 2026","ctaText":"Watch video: Why You Should Seal Your Roof\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"The Differences Between Fixed-Rate & Adjustable-Rate Mortgages","imagePath":"https://static.usaa.com/content/dam/digital/images2/fixed-vs-arm-mortgage-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/adjustable-rate-mortgage-vs-fixed","updatedDate":"March 18, 2026","ctaText":"Watch video: The Differences Between Fixed-Rate & Adjustable-Rate Mortgages\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Review Your Auto Liability Coverage","imagePath":"https://static.usaa.com/content/dam/digital/images2/review-liability-coverage-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/benefits-of-liability-coverage","updatedDate":"March 18, 2026","ctaText":"Watch video: Review Your Auto Liability Coverage\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Why You Need Renters Insurance in the Military","imagePath":"https://static.usaa.com/content/dam/digital/images2/renters-in-military-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/military-renters-insurance","updatedDate":"March 18, 2026","ctaText":"Watch video: Why You Need Renters Insurance in the Military\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"The Basics of Life Insurance","imagePath":"https://static.usaa.com/content/dam/digital/images2/basics-of-life-insurance-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/life-insurance-101","updatedDate":"March 18, 2026","ctaText":"Watch video: The Basics of Life Insurance\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Understanding Mortgage Interest Rates & Points","imagePath":"https://static.usaa.com/content/dam/digital/images2/understanding-rates-and-points-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/understanding-mortgage-rates-points","updatedDate":"March 18, 2026","ctaText":"Watch video: Understanding Mortgage Interest Rates & Points\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Building Your Home Buying Team","imagePath":"https://static.usaa.com/content/dam/digital/images2/home-buying-team-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/parties-involved-in-the-home-buying-process","updatedDate":"March 18, 2026","ctaText":"Watch video: Building Your Home Buying Team\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"4 Things to Look for in a Used Car","imagePath":"https://static.usaa.com/content/dam/digital/images2/used-car-shopping-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/what-to-look-for-when-buying-a-used-car","updatedDate":"March 18, 2026","ctaText":"Watch video: 4 Things to Look for in a Used Car\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Tips on Buying Your Home in a Seller’s Market","imagePath":"https://static.usaa.com/content/dam/digital/images2/buying-in-sellers-market-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/advice/tips-for-buying-a-home-in-a-sellers-market","updatedDate":"March 18, 2026","ctaText":"Watch video: Tips on Buying Your Home in a Seller’s Market\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"4 Ways To Prep For Your Next Military Move","imagePath":"https://static.usaa.com/content/dam/digital/images2/prep-for-moving-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/military-change-of-station-tips","updatedDate":"March 18, 2026","ctaText":"Watch video: 4 Ways To Prep For Your Next Military Move\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"What's a Life Insurance Beneficiary?","imagePath":"https://static.usaa.com/content/dam/digital/images2/whats-a-life-beneficiary-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/what-is-a-life-insurance-beneficiary","updatedDate":"March 18, 2026","ctaText":"Watch video: What's a Life Insurance Beneficiary?\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Driving in the UK","imagePath":"https://static.usaa.com/content/dam/digital/images2/safe-driving-uk-thumbnail-16-9.jpg","time":"3 minutes","ctaUrl":"/insurance/overseas/united-kingdom","updatedDate":"March 18, 2026","ctaText":"Watch video: Driving in the UK\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Quick Tips About Auto Insurance","imagePath":"https://static.usaa.com/content/dam/digital/images2/quick-auto-insurance-tips-thumbnail-16-9.jpg","time":"4 minutes","ctaUrl":"/advice/auto-insurance-tips","updatedDate":"March 18, 2026","ctaText":"Watch video: Quick Tips About Auto Insurance\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Wildfire Preparation","imagePath":"https://static.usaa.com/content/dam/digital/images2/wildfire-preparation-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/wildfire-home-protection","updatedDate":"March 18, 2026","ctaText":"Watch video: Wildfire Preparation\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Quick Tips About Life Insurance","imagePath":"https://static.usaa.com/content/dam/digital/images2/quick-life-insurance-tips-thumbnail-16-9.jpg","time":"2 minutes","ctaUrl":"/advice/life-insurance-tips","updatedDate":"March 18, 2026","ctaText":"Watch video: Quick Tips About Life Insurance\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Teaching Your Teen Good Money Habits with Their First Job","imagePath":"https://static.usaa.com/content/dam/digital/images2/teen-money-habits-thumbnail-16-9.jpg","time":"2","ctaUrl":"/advice/first-jobs-for-teens","updatedDate":"March 17, 2026","ctaText":"Watch video: Teaching Your Teen Good Money Habits with Their First Job\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Learning How to Create a Budget","imagePath":"https://static.usaa.com/content/dam/digital/images2/create-a-budget-thumbnail-16-9.jpg","time":"1","ctaUrl":"/advice/how-to-avoid-overdraft-fees","updatedDate":"March 17, 2026","ctaText":"Watch video: Learning How to Create a Budget\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"What to Expect When Selling Your First Home","imagePath":"https://static.usaa.com/content/dam/digital/images2/selling-first-home-thumbnail-16-9.jpg","time":"3","ctaUrl":"/advice/home-seller-checklist","updatedDate":"March 17, 2026","ctaText":"Watch video: What to Expect When Selling Your First Home\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"How to Find the Right Real Estate Agent","imagePath":"https://static.usaa.com/content/dam/digital/images2/right-real-estate-agent-thumbnail-16-9.jpg","time":"2","ctaUrl":"/advice/finding-the-best-real-estate-agent","updatedDate":"March 17, 2026","ctaText":"Watch video: How to Find the Right Real Estate Agent\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Do I Need to Insure My Engagement Ring?","imagePath":"https://static.usaa.com/content/dam/digital/images2/insure-engagement-ring-thumbnail-16-9.jpg","time":"2","ctaUrl":"/advice/engagement-ring-insurance-guide","updatedDate":"March 17, 2026","ctaText":"Watch video: Do I Need to Insure My Engagement Ring?\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"How to Start Your Home Search","imagePath":"https://static.usaa.com/content/dam/digital/images2/start-home-search-thumbnail-16-9.jpg","time":"2","ctaUrl":"/advice/house-hunting-tips","updatedDate":"March 17, 2026","ctaText":"Watch video: How to Start Your Home Search\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Protecting Your Kids From Online Identity Theft","imagePath":"https://static.usaa.com/content/dam/digital/images2/child-id-theft-protection-thumbnail-16-9.jpg","time":"3","ctaUrl":"/advice/child-identity-theft","updatedDate":"March 17, 2026","ctaText":"Watch video: Protecting Your Kids From Online Identity Theft\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"What You Should Know About Group Life Insurance","imagePath":"https://static.usaa.com/content/dam/digital/images2/group-life-insurance-thumbnail-16-9.jpg","time":"2","ctaUrl":"/advice/family-group-life-insurance","updatedDate":"March 17, 2026","ctaText":"Watch video: What You Should Know About Group Life Insurance\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"Your Guide to Getting Good Credit and Keeping It","imagePath":"https://static.usaa.com/content/dam/digital/images2/good-credit-guide-thumbnail-16-9.jpg","time":"2","ctaUrl":"/advice/guide-to-improving-and-maintaining-your-credit-score","updatedDate":"March 17, 2026","ctaText":"Watch video: Your Guide to Getting Good Credit and Keeping It\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","modalId":null},{"headlineText":"How to Choose Your Next Credit Card","imagePath":"https://static.usaa.com/content/dam/digital/images2/choosing-next-credit-card-thumbnail-16-9.jpg","time":"3","ctaUrl":"/advice/how-to-choose-a-credit-card","updatedDate":"March 17, 2026","ctaText":"Watch video: How to Choose Your Next Credit Card\n","contentType":"Article","dataUuid":"","alternateVideoSource":"","transcript":"","videoTitle":"","videoDurationDisplay":"","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":"Prepare for a flood        ","imagePath":"","time":"2 minutes 57 seconds","ctaUrl":"","updatedDate":"May 6, 2024","ctaText":"Watch video","contentType":"Video","dataUuid":"9TzycxZh9mXshuUP1dHvXe","alternateVideoSource":"","transcript":"<h3>Introduction: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nDescription of visual information: [In conjunction with Federal Alliance for Safe Homes (FLASH)] End of description.\nFloods are the most common and widespread of all weather-related natural disasters. It can flood anywhere it can rain. Here are some tips from USAA and FLASH, Federal Alliance for Safe Homes, on how to stay safe.\n<h3>Prepare your home: Elapsed time 0 minutes 17 seconds [00:17]</h3>\nOn average, flooding causes more than 90 percent of disaster-related property damage in the U.S. each year. Here are some steps you can take before a flood to help protect your home\n<ul>\n<li>Turn off power and unplug everything.</li>\n<li>Elevate appliances above the expected levels of floodwaters on masonry, concrete or pressure-treated lumber. Just a few inches of water can permanently damage many appliances.</li>\n<li>Consider protecting the following:<ul>\n<li>Washer and dryer</li>\n<li>Computers, routers and phones</li>\n<li>Other electronics, such as televisions and cable boxes</li>\n</ul>\n</li>\n</ul>\n<h3>Tips on sandbags: Elapsed time 0 minutes 55 seconds [00:55]</h3>\nSandbags can redirect up to two feet of water and debris if they're correctly filled, placed and maintained. Follow these instructions to help protect your home.\n<h3>Filling sandbags: Elapsed time 1 minute 5 seconds [01:05]</h3>\n<ul>\n<li>Fill sandbags one-half full.</li>\n<li>Use sand if available; otherwise, use local soil.</li>\n<li>Fold the top of the sandbag down and rest the bag on its folded top.</li>\n</ul>\n<h3>Placing sandbags: Elapsed time 1 minute 16 seconds [01:16]</h3>\n<ul>\n<li>Stack no more than three layers unless you have a wall to use for support. You can also stack sandbags in a pyramid.</li>\n<li>Tamp each sandbag into place before starting the next layer.</li>\n<li>Clear a path between buildings for debris to flow.</li>\n<li>Lay a plastic sheet between the building and the bags to control the flow and prevent water from seeping through openings like sliding glass doors.</li>\n</ul>\n<h3>Maintaining sandbags: Elapsed time 1 minute 39 seconds [01:39]</h3>\n<ul>\n<li>Sandbags deteriorate when exposed for several months. They may not be effective when needed if they're left outside for too long.</li>\n<li>Wet sandbags are very heavy. Use caution when lifting to avoid injury.</li>\n</ul>\n<h3>Be ready to go: Elapsed time 1 minutes 55 seconds [01:55]</h3>\n<ul>\n<li>Sign up for local weather alerts to monitor potential flood events in your area.</li>\n<li>Have "Go Bags" ready for your home that include nonperishable foods, medicine, water, an evacuation checklist and important documents.</li>\n<li>Have an evacuation plan ready for your family and pets.</li>\n</ul>\n<h3>Did you know: Elapsed time 2 minutes 12 seconds [02:12]</h3>\n<ul>\n<li>More deaths are caused by flooding than from any other severe weather-related hazard.</li>\n<li>Six inches of moving water can knock you off your feet or cause you to lose control of your car.</li>\n<li>Two feet of water can sweep an SUV off a road or bridge.</li>\n</ul>\n<h3>Evacuation safety tips: Elapsed time 2 minutes 27 seconds [02:27]</h3>\n<ul>\n<li>Flooded roads could have significant damage hidden by floodwaters. Never drive through floodwaters, on flooded roads or over flooded bridges.</li>\n<li>Be especially cautious at night when it is harder to recognize flood dangers.</li>\n</ul>\nAnd always remember, we're here to help. Navigate to the bottom of this page to file a claim.\nFor more flood tips, check out the rest of the advice provided on this page: <a href=\"/inet/wc/flood-storm-damage-prepare-recover\" target=\"_self\">usaa.com/floodhelp</a>.\n<h3>End: Elapsed time 2 minutes 57 seconds [02:57]</h3>\n \n \n","videoTitle":"Prepare for a flood        ","videoDurationDisplay":"2 minutes 57 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},{"headlineText":"Natural disaster recovery","imagePath":"","time":"1 minute 32 seconds","ctaUrl":"","updatedDate":"July 18, 2023","ctaText":"Watch video","contentType":"Video","dataUuid":"4GFwXAFyjPMyN9G51RaYcD","alternateVideoSource":"","transcript":"<h3>Being prepared for a natural disaster: Elapsed time 0 minutes 0 seconds [00:00]</h3>\nUSAA is determined to help you on your road to recovery. That means our commitment to you doesn't end after your claim is closed.\n<h3>Things to consider when rebuilding: Elapsed time 9 seconds [00:09]</h3>\nHere are some things to consider as you rebuild and ways you can be more financially prepared before the next disaster hits.\nIf you're having to replace a vehicle or rebuild your home, be sure to understand the total cost of ownership. Look beyond that monthly payment and consider other factors, like the interest rate and the cost of insurance.\nIf you're rebuilding, be cautious when hiring contractors. Get multiple bids. Make your contractor produce a license. Be wary of anyone asking for money up front.\nLook out for contractors who offer very low bids, which could be a sign of fraud or someone who's going to do low-quality repairs. Remember, the money you get from an insurance claim is supposed to help ensure that your covered damages can be repaired properly.\nYou may want to consider strengthening your roof with a sealed roof deck. It can help keep water out of your attic and off your ceiling.\n<h3>How to improve your financial security: Elapsed time 1 minute 4 seconds [01:04]</h3>\nYou also want to be more financially prepared for the next catastrophe. Stash some savings away in an emergency fund. You don't want to be dependent upon credit cards to get you through a recovery.\nNow is also a great time to check your insurance coverages to make sure you're protected in case disaster strikes again.\nUSAA is here to help you recover and build financial strength. You can learn more on this page.\n<h3>End: Elapsed time 1 minute 32 seconds [01:32]</h3>\n","videoTitle":"Natural disaster recovery","videoDurationDisplay":"1 minute 32 seconds","modalId":null}]

Our advice videos

81 Results

What to look for when choosing a life insurance provider

Finding a policy: Elapsed time 0 minutes 0 seconds [00:00]

3 key factors: Elapsed time 0 minutes 19 seconds [00:19]

Compare insurance providers: Elapsed time 0 minutes 24 seconds [00:24]

Compare the products: Elapsed time 0 minutes 47 seconds [00:47]

Compare the service: Elapsed time 1 minute 20 seconds [01:20]

Bundle for discounts: Elapsed time 1 minute 35 seconds [01:35]

Peace of mind with the right provider: Elapsed time 1 minute 46 seconds [01:46]

End: Elapsed time 1 minute 56 seconds [01:56]

Life insurance for military spouses

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

End: Elapsed time 3 minutes 15 seconds [03:15]

Making family decisions about life insurance

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

Protecting your kids from online identity theft

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

Teaching your teen good money habits with their first job

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

What to Do When Your Vehicle Lease Ends

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Review your lease documents: Elapsed time 10 seconds [0:10]

Why would you walk away: Elapsed time 27 seconds [0:27]

What about trading it in: Elapsed time 52 seconds [0:52]

What about buying the vehicle: Elapsed time 1 minute, 13 seconds [1:13]

Keep your budget in mind: Elapsed time 1 minute, 52 seconds [1:52]

End elapsed time 2 minutes, 6 seconds [2:06]

Making decisions around retirement and social security

The importance of Social Security: Elapsed time 0 minutes 0 seconds [00:00]

Understanding your benefits: Elapsed time 31 seconds [00:31]

Seek help from USAA: Elapsed time 1 minute, 16 seconds [01:16]

End: Elapsed time 1 minute 55 seconds [01:55]

Wildfire Preparation

Protect Your Family: Elapsed time 0 seconds [00:00]

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

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

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

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

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

End: Elapsed time 2 minutes 27 seconds [02:27]

Helping your teen become a safe driver

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

End: Elapsed time 1 minute 40 seconds [01:40]

4 ways to prep for your next military move

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

End: Elapsed time 1 minute 39 seconds [01:39]

The importance of Social Security: Elapsed time 0 minutes 0 seconds [00:00]

Understanding your benefits: Elapsed time 31 seconds [00:31]

Seek help from USAA: Elapsed time 1 minute, 16 seconds [01:16]

End: Elapsed time 1 minute 55 seconds [01:55]