There is no "kool aid." I was a long time USAA member and thought the service was lousy and they didn't do a great job insuring high end cars and houses. Looked around and found AIG. Not sure if it's "new AIG" or just AIG but they have taken great care of me so far. In addition they are less expensive than USAA. It is possible in the future you may be proven right but in the present you are wrong. They seem to be doing a good job for me and others. But hey if you hate AIG it makes no difference to me.