As I understand, the requirements are to be in the Armed forces or immediatly related to a USAA member. Thus a person could marry someone who's father is in the military, get USAA, get divorced, and then marry again so that the new spouse could get USAA even though he or she never had anything to do with the military. In fact, this couple could get divorced again and the new spouse could still retain the policy and add a new wife or husband and so on. It's kind of strange, but I'm glad, as I'm nowhere near being in the military (I got it through my grandfather, my wife has it because of me).