Actually you can think of it this way, 100 is the IQ of an Average person. So for a genius, I would say that an IQ of 140 would qualify. The person with the highest IQ was actually Marilyn vos Savant who has an IQ of 228.
Guaranteed Acceptance Life Insurance (GALI) (Policy Form (NY-GIWL2112PMM) is a level-premium, non-participating permanent life insurance policy and is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, in New York.
Guaranteed Acceptance Life Insurance. Colonial Penn offers Guaranteed Acceptance Life Insurance to people ages 50 -85 (most states). This type of insurance is also referred to as Guaranteed Issue Life Insurance or Final Expense Life Insurance. It is sometimes called Burial Insurance because it can be used to help cover burial costs.