This is my only gripe about USAA. They force you to lock in with them - I wanted to shop around. They were incredibly stubborn and self righteous about the whole thing... I ended up going with a realtor recommended local guy, and I'm glad I did. I called him any time I had a question (and I had a lot.)
According to https://www.hawkerbeechcraft.com/military/t-6a/not_pc_9.pdf (interesting read btw,) the T-6 has a 18,720 hour fatigue life. If that T-6 has 3500 hours in 11 years, they could last quite a while.