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.
134 & 135), LICI guarantees an annual addition to the policy at a predetermined rate which is made known to the policyholder even before he has signed the proposal papers. In respect of Smart Life 2 plan, the guaranteed addition is @$30 per thousand sum assured for the ten year term of the policy.