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ADVERTORIAL


Attentive Rep Uncovers Masterpieces Worth Thousands


USAA’s Casey Marmol asked a 25-year member with only an auto insurance policy how USAA could do more for her. The 66-year-old Colorado widow replied: “Tell me what you can do for an old lady who lives on $2,000 a month and has lost everything.”


After her husband died, she’d lost their family business and retirement savings, and was now relying on a fi xed Social Security check of $2,000 a month to make ends meet. A short sale on her home had even left her homeless for a while.


Widow challenges rep to help


Her challenge wasn’t lost on Casey. He inquired about all her fi nancial needs and:


• reviewed her auto insurance coverage and reduced her premium.


• suggested that she reduce or eliminate umbrella coverage that provided liability protection for a business she no longer owned.


• guided her through Auto Circle™ and connected her with a local dealer to trade in her big, gas- guzzling SUV for a smaller, more economical car.


Inquiry reveals art collection worth thousands


Casey then asked the widow, “What do you have set up for savings in case of an emergency?” She replied, “Nothing. I did sell a painting worth $80,000 below value, for $50,000, to bail myself out and purchase my home.” Recognizing this as a large sum of money for a painting, Casey asked her more questions. Apparently, she and her husband had collected 11 more paintings, including two David Mazures and four Salvador Dalis, oriental rugs, gold coins and stamps.


Upon hearing this, Casey recommended that she:


• appraise each item and add a Valuable Personal Property rider through USAA to her current homeowners policy to make sure her collectibles were adequately insured.


• consider selling some pieces to ease her fi nancial burden and start a retirement fund.


She liked all of his suggestions but was concerned about one. She told Casey that she had put off having the paintings appraised for more than 10 years out of fear that she’d be taken advantage of by the appraisers.


Easing her concern, Casey contacted the Better Business Bureau and found an A-rated appraiser in the area who happened to be a USAA member and was wowed that USAA would go to such lengths to help a member. Casey arranged a conference call with the appraiser and member to set up an appointment for a home visit.


Longevity and loyalty create member trust


“She was fearful and didn’t trust others, but trusted us,” said Casey. “We took care of her and her husband for years while her husband was alive, so she wanted to stay with us, but her husband had taken care of everything and she needed someone to guide her on what to do.”


When the call was over, she was very appreciative, Casey said, telling him, “You couldn’t have called at a better time. I knew what I had to do but was afraid.” Casey will follow up with the member after the appraisal to see how he can assist her in setting up a retirement plan, and check on the progress of her new coverages.


usaa.com/moaa | 877-913-MOAA (6622)


USAA means United Services Automobile Association and its insurance, banking, investment and other companies. Use of the term “member” does not convey any legal, ownership or eligibility rights for property and casualty insurance products. Participation in the Auto Circle program is free. Products may have costs, fees, availability and membership eligibility restrictions. Property and casualty Insurance provided by United Services Automobile Association and its insurance affi liates, San Antonio, Texas. Bank products provided by USAA Federal Savings Bank, Member FDIC. Some products and services provided by third parties, each responsible for their product’s performance. MOAA receives fi nancial support from USAA for this sponsorship. 135903-0212


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