As in my last question can someone buy acciedent insurance that also has a life policy with it w/o my knowing?

My brother is a supplemental insurance salesman and he had my grandma buy 2 policies for myself and wife. We knew nothing about this, until she cancelled and they sent us the bill. He says there is no problem but this doesn't seem right. This was all done so he could get a promotion and he still got commission off the polcies. If we ever decide to take the insurance oout for ourselves we will now have to pay the whole premium at once instead of monthly. Is this legal