"You have thirty (30) days from the day you receive this policy, certificate, or rider to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administration office. Or you may return it to the agent/insurance producer that you bought it from. You must return it within thirty (30) days of the day you first received it. The company will refund the full amount of any premium paid within thirty (30) days after it receives the returned policy, certificate, or rider. The premium refund will be sent directly to the person who paid it. The returned policy, certificate, or rider will be void as if it had never been issued."
R.I. Gen. Laws § 27-34.2-6