09/22/2026
Video
Video: How Ohio Mutual Supports Pricing and Retention With Smarter Insurance Risk Strategies
Ohio Mutual operates in a market in which insurers must balance growth and retention with increasing consumer price sensitivity. In this customer testimonial, Ohio Mutual shares how it uses TransUnion® TruVision™ Insurance Risk to support underwriting and pricing decisions, strengthen retention efforts and create more transparent conversations with agents and policyholders. Watch to discover how the company applies these insights throughout the policy lifecycle, helping support profitable growth.
What you’ll learn
- How Ohio Mutual uses insurance scoring to inform pricing and retention decisions
- How greater transparency can strengthen relationships with agents and policyholders
- How vehicle risk insights help agents explain rating decisions to customers
- What Ohio Mutual values in a data and insights provider
Balancing pricing precision with customer expectations
According to TransUnion research, consumers have become more price-sensitive and willing to shop for insurance in search of better value. For Ohio Mutual, that makes it especially important to price risk accurately, identify opportunities to retain desirable policyholders and help agents clearly explain the factors affecting a customer’s premium.
TruVision Insurance Risk insights give Ohio Mutual additional context for reviewing policyholder concerns and making informed underwriting, pricing and retention decisions. They also support more transparent conversations between agents and customers.
Applying data-driven insights across the policy lifecycle
Ohio Mutual uses insurance scoring insights and Vehicle History Score Powered by CARFAX® at several points in the policy lifecycle. When customers raise concerns about price, the company may review their insurance scores to determine whether savings opportunities exist or confirm the current premium appropriately reflects risk.
These insights also help independent agents explain rating decisions. With greater context, agents can move conversations beyond a single premium change and help policyholders better understand how their risk was evaluated. That transparency can help build trust and loyalty, supporting long-term value and profitability.
Interviewer: How does TransUnion scoring help with your retention efforts?
Cameron West, Ohio Mutual: I'm a member of our customer experience committee, and one of the first things we do when we're reviewing those policyholder comments, a lot of them are on price, and we'll rerun the insurance score to try to find them savings there.
And then when we're reaching out within the week and are able to either lower their premium or let them know, "Hey, we ran this, it’s pricing accurately," and they know we're at least taking a look at that for them, too.
And that transparency has been huge with being able to show that we’re reviewing this for our customers who are price sensitive.
Interviewer: Does scoring transparency deliver any business benefits?
Cameron West: We use independent agents to sell our product, and it helps increase trust with them, them seeing what we're doing for their policyholders. So yeah, the transparency helps a lot.
Interviewer: How has using TransUnion’s vehicle scoring helped your agents?
Cameron West: Just being able to provide that context to the policy with the rating has really helped them be able to explain to a customer, like, "Hey, I'm not saying you're a bad driver. This is a used car." You know? Being able to have that conversation helps them provide a better experience for their customers.
Interviewer: What’s one thing you value about working with TransUnion?
Cameron West: I think something that's definitely important to me and us as a company is just hearing how important that trust and transparency is to TransUnion, and knowing we have a partner that's supporting us with that data.
Interviewer: What makes Ohio Mutual’s relationship with TransUnion so special?
Cameron West: They've always treated us like a partner — didn't just give us a one-size-fits-all solution, and will really help to tailor the solution to fit our specific culture.
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