Pros
Few! One thing is that the friendships you make with some of your co-workers are ones that you'll keep forever!
Cons
#1. I wish I'd read the reviews here before I accepted a position with USAA, I'd likely have thought twice about it! (Moral of that lesson: MAKE GLASSDOOR part of your research before saying 'yes'!) #2. Metrics that change so often, you'll never know where you stand. Sales metrics changed from '23, to something completely different in '24 & then again to totally different data points in '25; one week our 'drum-beater' managers would be saying '...you're doing well...', & the next week '...you're on the verge of a PIP!' It's the 'working in quicksand', thing mentioned earlier. #3. Knowing that when you sign on, you'll be paid LESS than the industry standard. Yep, you read that correctly; you will be paid at an hourly rate less than the general going rate relative to other Insurers call center representatives. But during the recruitment process ONLY annual numbers will be cited, which is very misleading & not until actual on-boarding is the truth disclosed. Bonuses, touted heavily are wholly conditioned on Association performance for prior year and were not distributed in '22 & '23. #4. A >60% attrition rate! Of the 16 people who began training with me, by the end of the 1st year only 7 were left. The turn-over is extensive! #5. Benefits: Medical - very poor (Cigna!), positively awful, for just about everything is out-of-pocket/network. #6. Recruitment - miscommunication, -whether unintentional, or not; is commonplace in this organization. I was approached by a recruiter in Sept. 2023 for a Life/Variable Annuity Ins Sales position with the USAA banking unit. By Nov. that recruiter had disappeared Later I learned that in 2023, USAA bid farewell to > 1,000 employees across multiple divisions (-including recruiting) after reporting a 2022 loss of $1.3 billion. Little did I know that the bank unit had just been fined over $140 million by FinCEN and the OCC in March 2022 for Bank Secrecy Act violations. (see "Another round of USAA layoffs spark outrage over holiday timing" Zachary-Taylor Wright Fri, October 31, 2025 at 8:35 AM EDT in My SA) In Dec. my 'file' was picked up by a different (/surviving) member of the recruitment staff & I was then being recruited to join the P&C Insurance side of USAA, where the Association would pay for me to obtain my P&C ins. sales license. I was told by this recruiter that I would be able to transfer back to the Bank after 6 months (-with no further explanation/qualification/quantification elucidated); again, its in the details...after starting one will come to learn: as I did, that you can transfer ONLY after 12 mos in present position + NO written warnings/disciplinary actions, or performance improvement plan (PIP) issuances within that time. Missing sales #'s, even on a monthly basis is grounds for a PIP, which I also came to learn that lesson the hard way after Hurricane Milton in Oct. '24 knocked out my power for 5+ days and I was offline. NO allowance made for that natural disaster by my manager, who was comfortable ruling her little kingdom from her basement in Colorado Springs!??? So the moral of #6 is: you cannot really trust what you're being told; not by the recruiters, not by your trainers and most certainly not by the managers (-who totally speak with forked tongue). #7. Guilt & Shame; I call this 'guilt' because I remember having to plaster a fake smile onto my face every time I walked into the Tampa Commerce Park Building and how depressed & guilty I felt about it. I use 'shame' because, at the onset I had the highest faith in the 'Mission' USAA claims to espouse: serving those (-Military & families) who've served for us! But after spending time on the inside, and seeing the magnitude to which those Members are being dis-served...I personally cancelled my fathers (U.S.N.) USAA home ins. policy here in FL. -Went with another carrier and saved him over $900.00/yr!