Complaint Review: first united american life insurance company

This company sent me insurance policies for my two children, the children themselves are the beneficiaries! If the child dies, there is no beneficiary left- they pay nothing. So I read the fine print and discovered this, then I went to call them and request I be the beneficiary because when a person passes you want money to cover expenses.  The phone number they have provided is a non-working number. I tried to google them, but you get nothing there either. I went to BBB and they are accredited, but with an address in Texas, not the NY address, and the same phoney telephone number. This is insurance fraud at its worse. Many old people are paying for this thinking they are doing something for their grandchildren and great grands. Sick.