OPTins is a secure Web application, using 128 bit SSL encryption, which facilitates the submission of premium tax, surplus lines, and other state-specific filings and payments to participating states.

For an updated list of participating states, filing types and payments accepted by each participating state, please visit our State Participation page.

The Cost Benefit Model allows Industry Companies or filing entities to complete various criteria and receive a comparison of using OPTins verses paper.

The OPTins filing process allows a quick review and approval. 
- Create your filing in OPTins
- Submit the Form & Fees Electronically
- State Receives & Processes Filing Electronically

The OPTins Filing Process
- Fees and forms are submitted to the state simultaneously and securely.
- All forms and information are easily accessible, in one-location, and interactive
- Unlike a paper check, payment is secure.
- Filings are never lost or misrouted.
- All correspondence between state and industry is electronic

Quicker Process = Less Man Hours = Improved Bottom Line 

The registration process is easy. Industry users that would like to participate in ACH debit, should complete the EFT Exhibits A & B and the appropriate OPTins Registration Form. ACH credit users should complete the EFT Exhibit B and the OPTins Registration form.

Once the paperwork is complete, email the paperwork to optinsmktg@naic.org.

The implementation process typically takes one to two weeks. To receive more information, please contact the OPTins team via email optinsmktg@naic.org or phone (816) 783-8787. 

The NAIC has partnered with TriTech, allowing PREMIUM Pro software users the capability of submitting their premium tax forms and payments electronically via OPTins.  Companies will still need to register with OPTins to E-File. For more information, please contact the OPTins team via email optinsmktg@naic.org or phone (816) 783-8787.

Many organizations use separate bank accounts for different companies.  To use separate bank accounts for differing companies, the licensing company must send a separate Exhibit A for each bank account. For more information, please contact the OPTins team via email optinsmktg@naic.org or phone (816) 783-8787. 

Once the implementation is complete, each person will receive an individual user name and password, which should only be used by the designated user.

There are two different payment types available in OPTins; ACH debit and ACH credit.

ACH debit is the same process that thousands of insurance companies use to pay rate and form filing fees to states via SERFF (System for Electronic Rate and Form Filing). It is a seamless process whereby the company initiates payment of fee and taxes via the OPTins interface. The filing is sent directly to the state at submission.

ACH credit allows the company to push the tax amount and transaction fee from the company’s own banking interface. This option is dependent upon the filer initiating a payment in their own banking system instead of in OPTins. This option has a bit of a learning curve because the filer must use OPTins and the company’s banking interface to initiate the payment but the NAIC provides a supplemental guide to assist filers in the process. Once the funds are received in the NAIC account, both the payment and the tax filing are submitted to the state.

Yes, companies have the option to schedule their filings in advance of a deadline. This can be done in OPTins or with the E-File functionality with TriTech

When using ACH debit, the state will receive your filing and payment notification upon submission of the filing. Since OPTins is an electronic filing system, there is no delay or risk of misplaced filings. If using ACH credit, the state will receive your filing once the NAIC receives the payment from your bank.

OPTins will facilitate the amendment process.  There are no additional transaction fees to submit amended forms and/or additional tax payments to the state.

Refunds are handled outside of the OPTins system.  The company works directly with the state.  To find out the OPTins contact for each participating state, please visit our State Participation page.

For step-by-step instructions on how to reset your existing password please click here. If you need additional assistance, please contact the OPTins Help Desk by e-mail at optinshelp@naic.org.

Free technical support is available for the OPTins application from 8 am to 4 pm Central Standard Time, Monday through Friday.  The OPTins Help Desk can be reached by calling (816) 783-8990 or by e-mail at optinshelp@naic.org. 

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