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 Universal life is the longest term policy a person can purchase. Simply put a guaranteed universal life policy can be a lifetime term policy as it requires only the premium be paid when due. A guaranteed universal life is not a savings plan, but simply level premium coverage. Answered on May 14, 2013. +4.