At ET Insurance we never loose sight of the big picture. We understand how important it is to contain costs while being competitive in today's economic environment and responsive to regulatory changes. At ET Insurance we stay ahead of the pack by keeping ourselves up to date on the latest products, trends, and developments. We understand that employee benefits programs must maintain a proper balance between the employer and employee participation. These programs must be designed to protect and manage cash flow properly. We understand that these programs must do all this while maintaining the most important aspect of all, common sense. These programs must be clear and easily communicated to you and your employees while open to reasonable common sense interpretation.