I'm the beneficiary on my own life cover policy

Recently took a R1 million life cover for myself and i have never received any paper work confirming my policy. Ontop of that when i logged in to check my policy i discovered that i am my own beneficiary, in my own policy. How do consultants do such? Why doesn't the system pick it up? If i were to die my loved one's will have the burden of running up and down at high courts to get letter of authority. I need this fixed.