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 (ages 50 - 85, most states) Term and whole life insurance plans with coverage up to $50,000 are available. The term plan is renewable to age 90, and is available for ages 18 - 75 (most states). The whole life plan provides permanent lifetime coverage, and available ages are 40 - 75.