While this model is rare among insurers, it has helped those who chose this format to remain strong and focused where others could
n't during bad economic times.
Fred Litwiniuk, Todd's brother and a partner in the firm, points out that
during bad economic times business can sometimes improve because unemployed people lack the safety net provided by a regular job.
While it shares many of the same characteristics as tobacco — people drink as much, if not more,
during bad economic times, and there's emerging - market growth potential — Sizemore says the industry is in flux.
Tassone said raises were «hard to justify»
during bad economic times.