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 Insurability is a right provided to an insured person within their life insurance policy. Guaranteed Insurability guarantees the insured the option to purchase additional life insurance coverage without having to take a physical examination, or showing any other evidence of insurability.Additional life insurance coverage may be purchased at a stated time in the future.Some life insurance policies offer the opportunity to purchase additional guaranteed coverage on certain anniversary dates of the policy, such as, every fifth year of the policy up to a maximum age of 40 or 45.dditional life insurance coverage may be purchased at a stated time in the future. Some life insurance policies offer the opportunity to purchase additional guaranteed coverage on certain anniversary dates of the policy, such as, every fifth year of the policy up to a maximum age of 40 or 45.