在处理传统数据库时，在NHibernate中建立多对一关系的最佳方法？

Warning - I am very new to NHibernate. I know this question seems simple - and I'm sure there's a simple answer, but I've been spinning my wheels for some time on this one. I am dealing with a legacy db which really can't be altered structurally. I have a details table which lists payment plans that have been accepted by a customer. Each payment plan has an ID which links back to a reference table to get the plan's terms, conditions, etc. In my object model, I have an AcceptedPlan class, and a Plan class. Originally, I used a many-to-one relationship from the detail table back to the ref table to model this relationship in NHibernate. I also created a one-to-many relationship going in the opposite direction from the Plan class over to the AcceptedPlan class. This was fine while I was simply reading data. I could go to my Plan object, which was a property of my AcceptedPlan class to read the plan's details. My problem arose when I had to start inserting new rows to the details table. From my reading, it seems the only way to create a new child object is to add it to the parent object and then save the session. But I don't want to have to create a new parent Plan object every time I want to create a new detail record. This seems like unnecessary overhead. Does anyone know if I am going about this in the wrong way?Warning - I am very new to NHibernate. I know t