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.
It depends on the type of life insurance policy. MetLife offers Guaranteed Acceptance Whole Life Insurance, which is guaranteed acceptance-no medical questions or health exam. For most other MetLife products, your health does affect the price. death benefit is the amount paid to the beneficiary at the time of the death of the insured. Face amount. The face amount of the policy is the amount of the death benefit as stated in the policy. This does not include additional amounts that the policy may provide.