We want you to be confident you’ve made the right decision with the insurance products you buy from Stonebridge Life. When your policy/certificateThe written document issued by a life insurance company to a policyowner which expresses the insurance contract between the company and the policyowner. / A document issued to individuals insured under a group insurance policy, setting forth essential provisions relating to their insurance coverage. arrives, you’ll have 30 days (31 days in South Carolina) to review it in detail. If you’re not totally satisfied that it meets your needs, simply return your Certificate of Coverage or policy within 30 days (31 days in South Carolina) of receiving it for a full refund of any premiums paid.