Well, let me add on. My mom and dad had home burn down in 2014, next, a 1000 year flood in Denham Springs La in 2016 that gave birth to Cajun Navy. What they didn’t lose in fire, they lost in flood when the USAA storage units the “stuff” was in went 10 feet underwater. In 2018, my mom passes, I am the executor for my dad. I send death cert USAA. Her estate did not require a succession in La. Well over a year later, we got a letter from USAA “advising” us she had an IRA at USAA that had been transferred to whatever firm they sold off their investment company too. No beneficiary on IRA. My dad, well into dementia had no clue what she had at USAA that he put there. You would have thought that the death cert to USAA would have set wheels in motion over a year earlier. The company that had IRA, the one USAA chose to do that biz, had no idea my mom was gone. Needless to say, ANOTHER round of CEO desk phone calls were made.