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.
Participating policies are insurance policies which provide both guaranteed and non-guaranteed benefits. The sum assured is a guaranteed benefit and is paid when the policy matures or upon the death of the insured.on-participating policies pay just the sum assured when the policy matures or upon the death of the insured. The policyholder does not participate or share in the profits of the insurance companyâs participating fund and is not entitled to any non-guaranteed benefits.