Most families in Concord, NC , are being told they have to wait 2-3 years for their life insurance to fully kick in. You’ve seen the commercials for the $9.95 "unit" plans—they sound affordable, but they hide a "graded benefit" trap. If something happens during that waiting period, your family only gets a refund of what you paid in. At Synergy Insurance Group, we think that’s a bill, not a benefit. We specialize in "Love mONey" —protection that starts on Day One . The $9.95 G