Life Insurance - Use the Trial Period
Life insurance policies come with a 30-day trial period; by law you have thirty days to inspect the policy and make sure you understand all the terms and conditions. If you decide you don't want the policy during that time period, cancel it and the premium you paid will be refunded. (In some cases fees may not be refundable.) Think of the 30-day period as additional insurance that you have made the right decision.