PLEASE ANSWER THIS AS SOON AS POSSIBLE ?!?

um i have been living with my great grandma since i was about 3 months just last year she got legal guardianship of me. but now my other grandma is saying that she and her new husband who has also been in my life for a long time and is not related to me in any way. the husband not my grandma. but they are trying to put my name on an insurance policy for her husband so when he dies they will get money i dont understand the situation but i have a feeling they are trying to trick me into something. the husband was telling about this and then he said and then maybe u could come and get a place with me and ur grandma i dont understand. if they put me on this policy and he says i am his granddaughter would this turn into a big legal situation? could they take me away from my great grandma? i am totally lost. if ur confused by the question ask and ill add details