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.
While more expensive, guaranteed life insurance is a type of coverage without a medical exam. Due to its high premiums and limited death benefit amounts, it should be a last resort. Your first and best option will most likely be traditional term life insurance. The point is, donât ever feel hopeless.