I'd like to create reciprocal relationships between father - child - grandchild - referrer - Beneficiary of life insurance etc - so many to many.

How do I do that?

My research shows me that I should be looking for a subform or multi-lookup.  

However, my version of Zoho CRM doesn't have subforms or multi-lookup, just single...

Can anyone tell me how to do this?  and preferably so that when I say the person is a Father, they are automatically loaded with a child - the reciprocal relationship.