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The United Services Automobile Association (USAA) is a Texas-based Fortune 500 diversified financial services group of companies〔(USAA Fact Sheets )〕 including a Texas Department of Insurance regulated〔(Texas Department of Insurance )〕 reciprocal inter-insurance exchange and subsidiaries offering banking, investing, and insurance to people and families that serve, or served, in the United States military. At the end of 2014, there were 10.7 million members.〔(USAA 2014 Report to Members )〕 USAA was founded in 1922 by a group of U.S. Army officers as a mechanism for mutual self-insurance when they were unable to secure auto insurance because of the perception that they, as military officers, were a high-risk group.〔, p. 229.〕 USAA has since expanded to offer banking and insurance services to past and present members of the Armed Forces, officers and enlisted, and their immediate families. The company was one of the pioneers of direct marketing and most of its business is conducted over the Internet or telephone using employees instead of agents. ==History== The organization was originally called the United States Army Automobile Association. In 1924, the name was changed to United Services Automobile Association, when commissioned officers of other U.S. military services became eligible for membership. The company opened offices in Frankfurt, Germany, and London, England early in its history. USAA is headquartered in San Antonio, Texas, occupying (a former horse farm)〔() 〕 in a large single-occupancy office building on the city's northwest side. USAA is a pioneer of the concept of direct marketing; most of its business is conducted over the Internet or telephone using employees instead of agents. Until the 1960s the bulk of its business was conducted via mail. In the late 1960s, USAA began a transition from mail to phone-based sales and service. A toll-free number was launched in 1978, and Internet sales and service were launched in 1999 via its website. The organization started offering homeowner's and life insurance in the 1960s, and brokerage and investment management services in the 1970s, and banking services in the 1980s. Prior to 1996, eligibility for USAA membership was limited to commissioned officers in the U.S. armed forces, cadets and midshipmen at the U.S. service academies eligible to have a personal car, cadets and midshipmen in college and university ROTC programs, college and university students in the Marine Corps PLC or Navy AVROC programs, or college graduate officer candidates/officer trainees in the OCS programs of the Army, Navy, Marine Corps and Coast Guard, or the Air Force OTS program. In 1996, eligibility was extended to enlisted personnel in the U.S. armed forces.〔(USAA fact sheet ) retrieved April 16, 2008〕 USAA offered restricted membership to civilians between September 2009 and August 2013. This membership provided access to USAA’s investment products, most bank deposit products, and life insurance. Auto and property insurance policies were not included for non-military members due to eligibility restrictions.〔() retrieved September 12, 2014〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「USAA」の詳細全文を読む スポンサード リンク
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