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{"sheet":"Split Deferred Period","index":0,"n_rows":27,"n_cols":16,"rows_kept":27,"cut":false,"hidden":false,"merged":[[7,1,7,4],[22,9,22,12]]}
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[null,"Age v Level Premium Calculator"]
[null,"Please complete the grey boxes below:"]
[]
[null,"Member Details"]
[null,"Date of Birth",null,null,null,{"$f":"CONCATENATE(\"Age as at 01/01/\",YEAR(TODAY()))","v":"Age as at 01/01/2019"},null,{"$f":"ROUNDDOWN(((DATE(YEAR(TODAY()),1,1)-D12)/365.25),0)","v":119}]
[null,"Retirement Age",null,null,null,{"$f":"EDATE(D12,D13*12)","v":0}]
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[null,"Product Details"]
[null,"Product"]
[null,"Deferred Period"]
[null,{"$f":"IF(D16=\"LT Protect\",\"\",\"Benefit Period\")","v":"Benefit Period"}]
[null,"Benefit Amount\n(Monthly)",null,null,null,"BFS Age Cost Premium",null,{"$f":"IFERROR(IF(D16=\"LT Protect\",INDEX('LT Rates'!A3:AC55,MATCH('Split Deferred Period'!H12,'LT Rates'!A3:A55),MATCH(IF(D16=\"LT Protect\",IF(OR(D17=\"\",IF(F16=\"\",D13=\"\",H16=\"\")),\"\",CONCATENATE(IF(F16=\"\",D13,H16),\" \",D17)),IF(OR(D16=\"\",D17=\"\",D18=\"\"),\"\",CONCATENATE(D16,\" \",'Split Deferred Period'!D17,\" \",'Split Deferred Period'!D18))),'LT Rates'!A3:AC3,0)),INDEX(Rates!A4:Y56,MATCH('Split Deferred Period'!H12,Rates!A4:A56),MATCH(IF(D16=\"LT Protect\",IF(OR(D17=\"\",IF(F16=\"\",D13=\"\",H16=\"\")),\"\",CONCATENATE(IF(F16=\"\",D13,H16),\" \",D17)),IF(OR(D16=\"\",D17=\"\",D18=\"\"),\"\",CONCATENATE(D16,\" \",'Split Deferred Period'!D17,\" \",'Split Deferred Period'!D18))),Rates!A4:Y4,0)))/100*(IF(D19=\"\",100,D19)),0)","v":0}]
[null,"Level Premium"]
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[null,null,null,null,null,null,null,null,null,"Comparison of Premiums"]
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[null,null,null,null,null,null,null,null,null,"When your monthly premiums is higher with BFS",null,null,null,null,null,{"$f":"IF(MIN(IF(Calculations!G2:G608=1,Calculations!A2:A608))=0,\"Never\",VLOOKUP(MIN(IF(Calculations!G2:G608=1,Calculations!A2:A608)),Calculations!A:B,2,FALSE))","v":"Never"}]
[]
[null,null,null,null,null,null,null,null,null,"When the total paid is higher with BFS",null,null,null,null,null,{"$f":"IF(MIN(IF(Calculations!H2:H608=1,Calculations!A2:A608))=0,\"Never\",VLOOKUP(MIN(IF(Calculations!H2:H608=1,Calculations!A2:A608)),Calculations!A:B,2,FALSE))","v":"Never"}]

{"sheet":"Lookups","index":1,"n_rows":7,"n_cols":7,"rows_kept":7,"cut":false,"hidden":true,"merged":[]}
["ST Protect",null,"Day 1",null,"1 Year",null,55]
["Breathing Space",null,"1 Week",null,"2 Years",null,60]
["LT Protect",null,"4 Weeks",null,"5 Years",null,65]
[null,null,"8 Weeks",null,null,null,70]
[null,null,"13 Weeks"]
[null,null,"26 Weeks"]
[null,null,"52 Weeks"]

{"sheet":"Rates","index":2,"n_rows":56,"n_cols":25,"rows_kept":56,"cut":false,"hidden":true,"merged":[]}
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["Deferred Period","1 Week","1 Week","1 Week","4 Weeks","4 Weeks","4 Weeks","8 Weeks","8 Weeks","8 Weeks","13 Weeks","13 Weeks","13 Weeks","1 Week","1 Week","1 Week","4 Weeks","4 Weeks","4 Weeks","8 Weeks","8 Weeks","8 Weeks","13 Weeks","13 Weeks","13 Weeks"]
["Benefit Period","1 Year","2 Years","5 Years","1 Year","2 Years","5 Years","1 Year","2 Years","5 Years","1 Year","2 Years","5 Years","1 Year","2 Years","5 Years","1 Year","2 Years","5 Years","1 Year","2 Years","5 Years","1 Year","2 Years","5 Years"]
["Age last 1st Jan",{"$f":"CONCATENATE(B1,\" \",B2,\" \",B3)","v":"ST Protect 1 Week 1 Year"},{"$f":"CONCATENATE(C1,\" \",C2,\" \",C3)","v":"ST Protect 1 Week 2 Years"},"ST Protect 1 Week 5 Years","ST Protect 4 Weeks 1 Year","ST Protect 4 Weeks 2 Years","ST Protect 4 Weeks 5 Years","ST Protect 8 Weeks 1 Year","ST Protect 8 Weeks 2 Years","ST Protect 8 Weeks 5 Years","ST Protect 13 Weeks 1 Year","ST Protect 13 Weeks 2 Years","ST Protect 13 Weeks 5 Years","Breathing Space 1 Week 1 Year","Breathing Space 1 Week 2 Years","Breathing Space 1 Week 5 Years","Breathing Space 4 Weeks 1 Year","Breathing Space 4 Weeks 2 Years","Breathing Space 4 Weeks 5 Years","Breathing Space 8 Weeks 1 Year","Breathing Space 8 Weeks 2 Years","Breathing Space 8 Weeks 5 Years","Breathing Space 13 Weeks 1 Year","Breathing Space 13 Weeks 2 Years","Breathing Space 13 Weeks 5 Years"]
[18,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[19,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[20,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[21,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[22,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[23,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[24,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[25,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[26,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[27,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[28,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[29,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[30,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.93,3.23,4.13,1.95,2.15,2.75,1.76,1.94,2.48,1.27,1.4,1.79]
[31,1.95,2.25,2.5499999999999998,1.3,1.5,1.7,1.17,1.35,1.53,0.85,0.98,1.1100000000000001,2.99,3.29,4.2,1.99,2.19,2.8000000000000003,1.79,1.97,2.52,1.29,1.42,1.82]
[32,1.95,2.4,2.7,1.3,1.6,1.8,1.17,1.44,1.62,0.85,1.04,1.17,3.05,3.35,4.28,2.0299999999999998,2.23,2.8499999999999996,1.83,2.0099999999999998,2.57,1.32,1.45,1.85]
[33,1.95,2.4,2.7,1.3,1.6,1.8,1.17,1.44,1.62,0.85,1.04,1.17,3.11,3.41,4.3499999999999996,2.0699999999999998,2.27,2.9000000000000004,1.86,2.04,2.61,1.35,1.48,1.89]
[34,1.95,2.4,2.85,1.3,1.6,1.9,1.17,1.44,1.71,0.85,1.04,1.24,3.17,3.47,4.43,2.11,2.31,2.95,1.9,2.08,2.66,1.37,1.5,1.92]
[35,1.95,2.4,2.85,1.3,1.6,1.9,1.17,1.44,1.71,0.85,1.04,1.24,3.23,3.53,4.5,2.15,2.35,3,1.94,2.12,2.7,1.4,1.53,1.95]
[36,1.95,2.5499999999999998,3,1.3,1.7,2,1.17,1.53,1.8,0.85,1.1100000000000001,1.3,3.3,3.6,4.59,2.2000000000000002,2.4000000000000004,3.0599999999999996,1.98,2.16,2.75,1.43,1.56,1.99]
[37,2.1,2.5499999999999998,3.15,1.4,1.7,2.1,1.26,1.53,1.89,0.91,1.1100000000000001,1.37,3.38,3.68,4.68,2.25,2.4500000000000002,3.12,2.0299999999999998,2.21,2.81,1.46,1.59,2.0299999999999998]
[38,2.1,2.7,3.3,1.4,1.8,2.2000000000000002,1.26,1.62,1.98,0.91,1.17,1.43,3.45,3.75,4.7699999999999996,2.2999999999999998,2.5,3.1799999999999997,2.0699999999999998,2.25,2.86,1.5,1.63,2.0699999999999998]
[39,2.1,2.85,3.45,1.4,1.9,2.2999999999999998,1.26,1.71,2.0699999999999998,0.91,1.24,1.5,3.53,3.83,4.8600000000000003,2.35,2.5500000000000003,3.2399999999999998,2.12,2.2999999999999998,2.92,1.53,1.66,2.11]
[40,2.25,2.85,3.6,1.5,1.9,2.4,1.35,1.71,2.16,0.98,1.24,1.56,3.6,3.9,4.95,2.4,2.6,3.3,2.16,2.34,2.97,1.56,1.69,2.15]
[41,2.25,3,3.75,1.5,2,2.5,1.35,1.8,2.25,0.98,1.3,1.63,3.69,3.99,5.22,2.46,2.66,3.4799999999999995,2.21,2.39,3.13,1.6,1.73,2.2599999999999998]
[42,2.4,3.15,4.05,1.6,2.1,2.7,1.44,1.89,2.4300000000000002,1.04,1.37,1.76,3.78,4.08,5.49,2.52,2.7199999999999998,3.66,2.27,2.4500000000000002,3.29,1.64,1.77,2.38]
[43,2.4,3.15,4.2,1.6,2.1,2.8,1.44,1.89,2.52,1.04,1.37,1.82,3.87,4.17,5.76,2.58,2.78,3.8400000000000003,2.3199999999999998,2.5,3.46,1.68,1.81,2.5]
[44,2.4,3.3,4.3499999999999996,1.6,2.2000000000000002,2.9,1.44,1.98,2.61,1.04,1.43,1.89,3.96,4.26,6.03,2.64,2.84,4.0200000000000005,2.38,2.56,3.62,1.72,1.85,2.61]
[45,2.5499999999999998,3.45,4.6500000000000004,1.7,2.2999999999999998,3.1,1.53,2.0699999999999998,2.79,1.1100000000000001,1.5,2.02,4.05,4.3499999999999996,6.3,2.7,2.9,4.2,2.4300000000000002,2.61,3.78,1.76,1.89,2.73]
[46,2.5499999999999998,3.6,4.95,1.7,2.4,3.3,1.53,2.16,2.97,1.1100000000000001,1.56,2.15,4.3499999999999996,4.6500000000000004,6.72,2.9,3.0999999999999996,4.4800000000000004,2.61,2.79,4.03,1.89,2.02,2.91]
[47,2.7,3.9,5.25,1.8,2.6,3.5,1.62,2.34,3.15,1.17,1.69,2.2799999999999998,4.6500000000000004,4.95,7.14,3.1,3.3,4.76,2.79,2.97,4.28,2.02,2.15,3.09]
[48,2.85,4.2,5.7,1.9,2.8,3.8,1.71,2.52,3.42,1.24,1.82,2.4700000000000002,4.95,5.25,7.56,3.3,3.5,5.0399999999999991,2.97,3.15,4.54,2.15,2.2799999999999998,3.28]
[49,3.15,4.5,6.3,2.1,3,4.2,1.89,2.7,3.78,1.37,1.95,2.73,5.25,5.55,7.98,3.5,3.7,5.3199999999999994,3.15,3.33,4.79,2.2799999999999998,2.41,3.46]
[50,3.3,4.8,6.75,2.2000000000000002,3.2,4.5,1.98,2.88,4.05,1.43,2.08,2.93,5.55,5.85,8.4,3.7,3.9,5.6,3.33,3.51,5.04,2.41,2.54,3.64]
[51,3.6,5.25,7.5,2.4,3.5,5,2.16,3.15,4.5,1.56,2.2799999999999998,3.25,5.85,6.42,9.39,3.9,4.28,6.26,3.51,3.85,5.63,2.54,2.78,4.07]
[52,3.9,5.85,8.4,2.6,3.9,5.6,2.34,3.51,5.04,1.69,2.54,3.64,6.15,6.99,10.38,4.0999999999999996,4.66,6.92,3.69,4.1900000000000004,6.23,2.67,3.03,4.5]
[53,4.2,6.45,9.3000000000000007,2.8,4.3,6.2,2.52,3.87,5.58,1.82,2.8,4.03,6.45,7.56,11.37,4.3,5.0399999999999991,7.58,3.87,4.54,6.82,2.8,3.28,4.93]
[54,4.5,7.05,10.35,3,4.7,6.9,2.7,4.2300000000000004,6.21,1.95,3.06,4.49,6.75,8.1300000000000008,12.36,4.5,5.42,8.24,4.05,4.88,7.42,2.93,3.52,5.36]
[55,4.95,7.8,11.55,3.3,5.2,7.7,2.97,4.68,6.93,2.15,3.38,5.01,7.05,8.6999999999999993,13.35,4.7,5.8,8.9,4.2300000000000004,5.22,8.01,3.06,3.77,5.79]
[56,5.4,8.6999999999999993,12.9,3.6,5.8,8.6,3.24,5.22,7.74,2.34,3.77,5.59,8.07,10.17,16.350000000000001,5.38,6.7799999999999994,10.9,4.84,6.1,9.81,3.5,4.41,7.09]
[57,5.85,9.6,14.55,3.9,6.4,9.6999999999999993,3.51,5.76,8.73,2.54,4.16,6.31,9.09,11.64,19.350000000000001,6.0600000000000005,7.7599999999999989,12.9,5.45,6.98,11.61,3.94,5.04,8.39]
[58,6.3,10.65,16.350000000000001,4.2,7.1,10.9,3.78,6.39,9.81,2.73,4.62,7.09,10.11,13.11,22.35,6.7399999999999993,8.7399999999999984,14.9,6.07,7.87,13.41,4.38,5.68,9.69]
[59,7.05,12,18.45,4.7,8,12.3,4.2300000000000004,7.2,11.07,3.06,5.2,8,11.13,14.58,25.35,7.42,9.7199999999999989,16.899999999999999,6.68,8.75,15.21,4.82,6.32,10.99]
[60,7.8,13.5,21,5.2,9,14,4.68,8.1,12.6,3.38,5.85,9.1,12.15,16.05,28.35,8.1,10.7,18.899999999999999,7.29,9.6300000000000008,17.010000000000002,5.27,6.96,12.29]
[61,8.6999999999999993,15.6,24.15,5.8,10.4,16.100000000000001,5.22,9.36,14.49,3.77,6.76,10.47,13.5,18.600000000000001,32.549999999999997,9,12.4,21.7,8.1,11.16,19.53,5.85,8.06,14.11]
[62,10.050000000000001,18,27.9,6.7,12,18.600000000000001,6.03,10.8,16.739999999999998,4.3600000000000003,7.8,12.09,15.6,21.45,37.65,10.4,14.3,25.1,9.36,12.87,22.59,6.76,9.3000000000000007,16.32]
[63,11.4,21.15,32.1,7.6,14.1,21.4,6.84,12.69,19.260000000000002,4.9400000000000004,9.17,13.91,17.7,25.2,43.35,11.8,16.8,28.9,10.62,15.12,26.01,7.67,10.92,18.79]
[64,13.05,24,36.6,8.6999999999999993,16,24.4,7.83,14.4,21.96,5.66,10.4,15.86,20.25,28.65,49.35,13.5,19.100000000000001,32.9,12.15,17.190000000000001,29.61,8.7799999999999994,12.42,21.39]
[65,14.85,27.45,41.7,9.9,18.3,27.8,8.91,16.47,25.02,6.44,11.9,18.07]
[66,16.95,31.35,41.7,11.3,20.9,27.8,10.17,18.809999999999999,25.02,7.35,13.59,18.07]
[67,19.350000000000001,31.35,41.7,12.9,20.9,27.8,11.61,18.809999999999999,25.02,8.39,13.59,18.07]
[68,22.05,31.35,41.7,14.7,20.9,27.8,13.23,18.809999999999999,25.02,9.56,13.59,18.07]
[69,23.7,31.35,41.7,15.8,20.9,27.8,14.22,18.809999999999999,25.02,10.27,13.59,18.07]

{"sheet":"LT Rates","index":3,"n_rows":55,"n_cols":29,"rows_kept":55,"cut":false,"hidden":true,"merged":[]}
["Retirement Age",55,55,55,55,55,55,55,60,60,60,60,60,60,60,65,65,65,65,65,65,65,70,70,70,70,70,70,70]
["Deferred Period","Day 1","1 Week","4 Weeks","8 Weeks","13 Weeks","26 Weeks","52 Weeks","Day 1","1 Week","4 Weeks","8 Weeks","13 Weeks","26 Weeks","52 Weeks","Day 1","1 Week","4 Weeks","8 Weeks","13 Weeks","26 Weeks","52 Weeks","Day 1","1 Week","4 Weeks","8 Weeks","13 Weeks","26 Weeks","52 Weeks"]
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[31,3.62,3.18,2.63,2.2999999999999998,2.19,1.9,1.62,3.6,3.17,2.62,2.29,2.1800000000000002,1.89,1.6,3.6,3.16,2.62,2.29,2.1800000000000002,1.88,1.6,3.66,3.21,2.66,2.34,2.2200000000000002,1.92,1.63]
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[42,6.29,5.53,4.58,4.01,3.81,3.51,3.1,6.6,5.8,4.8,4.2,4,3.63,3.2,6.5,5.71,4.7300000000000004,4.1399999999999997,3.94,3.56,3.15,6.82,6,4.96,4.3600000000000003,4.16,3.77,3.32]
[43,6.55,5.75,4.76,4.17,3.97,3.68,3.26,7.02,6.17,5.1100000000000003,4.47,4.26,3.89,3.43,6.9,6.06,5.0199999999999996,4.3899999999999997,4.18,3.8,3.36,7.27,6.39,5.29,4.6500000000000004,4.43,4.05,3.58]
[44,6.81,5.98,4.95,4.33,4.13,3.86,3.43,7.46,6.56,5.43,4.75,4.5199999999999996,4.1500000000000004,3.67,7.31,6.42,5.31,4.6500000000000004,4.43,4.05,3.58,7.76,6.82,5.65,4.96,4.7300000000000004,4.34,3.84]
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[46,7.08,6.22,5.15,4.5,4.29,4.04,3.63,7.86,6.91,5.72,5,4.76,4.41,3.94,8.1999999999999993,7.21,5.96,5.22,4.97,4.58,4.08,8.83,7.76,6.43,5.65,5.41,4.99,4.45]
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