Winter 2009 USAA Magazine - USAA.com

THE USAAEDUCATIONALFOUNDATION ®homebuying or refinancinga homefinancial planninga guide for your survivorsThe USAA Educational Foundation,a nonprofit organization, has theresources to help makeyour life more manageable.Changing Jobs (#532)Managing CreditAnd Debt (#501)Individual RetirementAccounts (#561)Buying A Vehicle ThatMeets Your Needs (#505)Buying Or RefinancingA Home (#502)When A Loved One Dies: LegalAnd Financial Concerns (#551)When A Loved One Dies:Coping With Grief (#552)A Guide For YourSurvivors (#579)To order free publications, just call (800)531-6196 or visit usaaedfoundation.org.Have your USAA number and publicationnumber ready when you call.The USAA Educational Foundationdoes not endorse or promote any commercialproducts or services.legal disclosuresInvestments/Insurance: Not FDIC Insured • Not Bank Guaranteed • May Lose ValueUSAA or its affiliates do not provide tax advice.Taxpayers should seek advice based upon theirown particular circumstances from an independenttax advisor.Financial advice provided by USAA FinancialPlanning Services Insurance Agency, Inc.(known as USAA Financial Insurance Agencyin California) and USAA Financial Advisors,Inc., a registered broker dealer.Page 3A++ (Superior) from A.M. Best Co., highestof 16 possible ratings; Aaa (Exceptional)from Moody’s Investors Service, highest of21 possible ratings; AAA (Extremely Strong)from Standard & Poor’s, highest of 21 possibleratings.Page 18J.J. Montanaro is a CERTIFIED FINANCIALPLANNER practitioner with USAA FinancialPlanning Services, one of the USAA familyof companies.This material is for informational purposes.Consider your own financial circumstancescarefully before making a decision and consultwith your tax, legal or estate planningprofessional.Page 271A standard service fee of $13.49 willbe added to each item delivered by a localflorist, and $14.99 to each item shippeddirect. Prices may differ based on day ofdelivery. If an item is not available, a comparablesubstitute will be provided. Due to theperishable nature of our products, pleasemake any customer service inquiries within7 days of delivery.2In most locations, to purchase a ValuablePersonal Property policy, you must have aUSAA Homeowners or Renters Policy.3With replacement cost coverage, at ouroption, subject to policy limits and policydeductible, if you actually replace the propertywe will pay you the lesser of our cost to restore,repair or replace the damaged property or theamount you actually spent to restore, repair orreplace the property.4$4 a month policy provides $2,500 on scheduledjewelry. Rates may vary due to location.Page 285Earn 1 point for every $1 credit card purchaseor $2 debit card purchase. Select “credit” atcheckout; PIN-based purchases do not earnpoints. Other restrictions apply.MemberThe term “member” does not convey legal,ownership or eligibility rights. Ownership rightsare limited to eligible policyholders of UnitedServices Automobile Association.as marital status, rank or military status.Rates and benefits may vary due to eligibility.Contact us to update your records. Childrenof USAA members are eligible to purchaseauto or property insurance if their eligibleparent purchases USAA auto and propertyinsurance. Purchase of a non-property andcasualty insurance product, or an insurancepolicy offered through USAA GeneralAgency, does not establish eligibility for ormembership in USAA property and casualtyinsurance companies.USAA CompaniesUSAA means United Services AutomobileAssociation and its affiliates.Property and casualty insurance provided byUnited Services Automobile Association, USAACasualty Insurance Company, USAA GeneralIndemnity Company, Garrison Property andCasualty Insurance Company, USAA CountyMutual Insurance Company, USAA TexasLloyds Company, San Antonio, TX, and USAA,Ltd. (Europe).Investments provided by USAA InvestmentManagement Company and USAA FinancialAdvisors, Inc., both registered broker dealers.USAA Brokerage Services is a division of USAAFinancial Advisors, Inc., a registered brokerdealer. Financial planning services and financialadvice provided by USAA Financial PlanningServices Insurance Agency, Inc. (knownas USAA Financial Insurance Agency in California),a registered investment adviser andinsurance agency and its wholly owned subsidiary,USAA Financial Advisors, Inc., a registeredbroker dealer.Trust Services offered by USAA FederalSavings Bank. Credit cards provided byUSAA Savings Bank, other bank productsprovided by USAA Federal Savings Bank,both Member FDIC.Life insurance and annuities provided byUSAA Life Insurance Company, San Antonio,TX, and in New York by USAA Life InsuranceCompany of New York, Highland Falls, NY.Each company has sole financial responsibilityfor its own products.Other Product Related DisclosuresProperty and Casualty InsuranceProduct or service requirements, price andfeatures can depend on the member’s choicesas well as laws and the product or servicecontracts, which may vary by location. Weencourage you to read your USAA policiesand contracts carefully. Underwriting restrictionsapply.InvestmentsCertified Financial Planner Board of Standards,Inc. owns the certification marks CFP ® andCERTIFIED FINANCIAL PLANNER in the U.S.,which it awards to individuals who successfullycomplete CFP Board’s initial and ongoing certificationrequirements.EligibilityMembership eligibility restrictions apply topurchase of property and casualty insurance.Eligibility may change based on factors suchAll non-USAA products, brand names, companynames are trademarks or registeredtrademarks of their respective owners.© 2009 USAA.30usaa magazine WINTER 2009 (800) 531-USAA (8722)