A bit off-topic, but arguably relevant: USAA has just about the best customer-service operation I've seen. I'm a 40-year member, and my dad was a member for 5

A bit off-topic, but arguably relevant: USAA has just about the best customer-service operation I've seen. I'm a 40-year member, and my dad was a member for 50-plus years. When he died, almost all of his financial accounts were at USAA; their survivor-assistance group was, in a word, marvelous. USAA originated as an insurance association of active-duty military officers, who had a tough time getting insurance elsewhere. IIRC, to this day it's run largely by retired officers (and now, retired senior NCOs as well) who had major responsibilities during their active-duty careers. I get the impressions that much of its culture of service comes from that.