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[]
[null," Aditya Birla Sun Life Insurance"]
[null,"   ABSLI Guaranteed Annuity Plus"]
[]
[null,"Your Policy Illustration"]
[]
[]
[null,"Annuitant 1:","Age",60,"Gender:","Male"]
[null,"Annuitant 2:","Age",60,"Gender:","Male"]
[]
[null,"Policy Details",null,null,"UIN: 109N132V15"]
[]
[null,"Frequency of Annuity payment",null,null,"Annual"]
[null,"Would you like to choose Premium or the Annuity",null,null,"Premium",null,"excl. GST",{"$f":"\"Annuity will be calculated on \" & IF(G14=\"incl. GST\", E16 & \" - 1.8% GST\", E16)","v":"Annuity will be calculated on 5000000"}]
[]
[null,"Purchase Price",null,null,5000000]
[]
[null,{"$f":"IF($E$14=\"Premium\",\"Premium Amount (excl. GST)\",\"\")","v":"Premium Amount (excl. GST)"},null,null,{"$f":"IF(G14=\"incl. GST\", E16/(1+1.8%),E16)","v":5000000}]
[null,{"$f":"IF($E$14=\"Premium\",\"GST\",\"\")","v":"GST"},null,null,{"$f":"IF(E14=\"Premium\",E18*1.8%,\"\")","v":90000.000000000015}]
[null,{"$f":"IF($E$14=\"Premium\",\"Premium Amount (incl. GST)\",\"\")","v":"Premium Amount (incl. GST)"},null,null,{"$f":"IF($E$14=\"Premium\",E18+E19,\"\")","v":5090000}]
[null,{"$f":"IF(E14=\"Annuity\",\"Annuity Amount\",\"\")","v":""},null,null,32344.2]
[null,{"$f":"IF(OR(Annuity_Option=1,Annuity_Option=5,Annuity_Option=9,Annuity_Option=10),\"Single Life/ Joint Life Annuity\",\"\")","v":"Single Life/ Joint Life Annuity"},null,null,"Joint Life"]
[null,"Individual/ Group",null,null,"Group"]
[null,"Sale without Agent",null,null,"Yes"]
[]
[null,"Annuity Amount in (Rs.)",null,null,null,null,null,null,null,null,null,null,"Purchase Price in (Rs.)"]
[null,"Option 1",null,"Option 5",null,"Option 10",null,null,null,null,null,null,"Option 1",null,"Option 5",null,"Option 10"]
[null," Life Annuity",null,"Life Annuity with Return of Purchase Price ",null,"NPS - Family Income",null,null,null,null,null,null," Life Annuity - Level",null,"Life Annuity with Return of Purchase Price - 100% ROP",null,"NPS - Family Income"]
[null,"Level",{"$f":"IF(Check!BH3<>\"\",\"NA\",IF(Check!BJ3<>\"\",\"NA\",Check!AY3))","v":391844.54399999994},"100% ROP",{"$f":"IF(Check!BH14<>\"\",\"NA\",IF(Check!BJ14<>\"\",\"NA\",Check!AY14))","v":358900.10099999997},"100% ROP",{"$f":"IF(Check!BH74<>\"\",\"NA\",IF(Check!BJ74<>\"\",\"NA\",Check!AY74))","v":360376.03949999996},null,null,null,null,null,"Purchase Price (Before GST)",{"$f":"IF(Check!BH3<>\"\",\"NA\",IF(Check!BI3<>\"\",\"NA\",Check!BB3))","v":5000000},"Purchase Price (Before GST)",{"$f":"IF(Check!BH14<>\"\",\"NA\",IF(Check!BI14<>\"\",\"NA\",Check!BB14))","v":5000000},"Purchase Price (Before GST)",{"$f":"IF(Check!BH74<>\"\",\"NA\",IF(Check!BI74<>\"\",\"NA\",Check!BB74))","v":5000000}]
[null,null,null,null,null,null,null,null,null,null,null,null,"GST",{"$f":"N29*1.8%","v":90000.000000000015},"GST",{"$f":"P29*1.8%","v":90000.000000000015},"GST",{"$f":"R29*0%","v":0}]
[null,{"$f":"E13&\" Annuity as % of Purchase Price\"","v":"Annual Annuity as % of Purchase Price"},null,null,null,null,null,null,null,null,null,null,"Purchase Price (With GST)",{"$f":"N29+N30","v":5090000},"Purchase Price (With GST)",{"$f":"P29+P30","v":5090000},"Purchase Price (With GST)",{"$f":"R29+R30","v":5000000}]
[null,"Option 1",null,"Option 5",null,"Option 10"]
[null,"Level",{"$f":"IFERROR(C29/$E$18,\"NA\")","v":7.8368908799999984E-2},"100% ROP",{"$f":"IFERROR(E29/$E$18,\"NA\")","v":7.1780020199999989E-2},"100% ROP",{"$f":"IFERROR(G29/$E$18,\"NA\")","v":7.2075207899999993E-2},null,null,null,null,null,{"$f":"E13&\" Annuity as % of purchase price\"","v":"Annual Annuity as % of purchase price"}]
[null,null,null,null,null,"100% ROP",31749.665665029464,null,null,null,null,null,"Option 1",null,null,null,"Option 5"]
[null,"* Mentioned above is Annuity payable in first year. Annuity will enhance each year as per chosen escalation rate",null,null,null,null,null,null,null,null,null,null,"Level",{"$f":"N29/$E$18","v":1},null,null,"Life Annuity with Return of Purchase Price ",{"$f":"P29/$E$18","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Option 1",null,"Option 5",null,"Option 10"]
[null,"Annual Annuity as % of Purchase Price",null,null,null,null,null,null,null,null,null,null,"Level",{"$f":"N29/$E$18","v":1},"Life Annuity with Return of Purchase Price ",{"$f":"P29/$E$18","v":1},"NPS - Family Income"]
[null,"Option 1",null,"Option 5",null,"Option 10",null,null,null,null,null,null,"Level",{"$f":"IFERROR($E$21/N29,\"NA\")","v":6.46884E-3},"100% ROP",{"$f":"IFERROR($E$21/P29,\"NA\")","v":6.46884E-3},"100% ROP",{"$f":"IFERROR($E$21/R29,\"NA\")","v":6.46884E-3}]
[null,"Level",{"$f":"IF(E13=\"Monthly\",C33*12, IF(E13=\"Quarterly\",C33*4, IF(E13=\"Semi-Annual\",C33*2,C33)))","v":7.8368908799999984E-2},"100% ROP",{"$f":"IF(E13=\"Monthly\",E33*12, IF(E13=\"Quarterly\",E33*4, IF(E13=\"Semi-Annual\",E33*2,E33)))","v":7.1780020199999989E-2},"100% ROP",{"$f":"IF(E13=\"Monthly\",G33*12, IF(E13=\"Quarterly\",G33*4, IF(E13=\"Semi-Annual\",G33*2,G33)))","v":7.2075207899999993E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Annual Annuity as % of purchase price"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Option 1",null,"Option 5",null,"Option 10"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Level",{"$f":"N34/$E$18","v":0},"Life Annuity with Return of Purchase Price ",{"$f":"R34/$E$18","v":0},"NPS - Family Income"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Level",{"$f":"IF($E$13=\"Monthly\",N38*12, IF($E$13=\"Quarterly\",N38*4, IF($E$13=\"Semi-Annual\",N38*2,N38)))","v":6.46884E-3},"100% ROP",{"$f":"IF($E$13=\"Monthly\",P38*12, IF($E$13=\"Quarterly\",P38*4, IF($E$13=\"Semi-Annual\",P38*2,P38)))","v":6.46884E-3},"100% ROP",{"$f":"IF($E$13=\"Monthly\",R38*12, IF($E$13=\"Quarterly\",R38*4, IF($E$13=\"Semi-Annual\",R38*2,R38)))","v":6.46884E-3}]
[]
[null,"<<Below values should be static as mentioned below>> Please refer BI for the same."]
[null,"ABG Employee",null,"No"]
[null,"Sale without Agent",null,"Yes"]
[null,{"$f":"IF(Annuity_Option<>10,\"<<Whether purchased through QROPs/ NPS proceeds>>\",\"\")","v":"<<Whether purchased through QROPs/ NPS proceeds>>"},null,"None"]

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[]
["Input Parameters",null,null,null,null,null,null,null,null,null,null,"Min","Max","ERR","CODE",{"$f":"IF(SUM(N3:N10)=0,0,VLOOKUP(1,N3:O10,2,0))","v":0},{"$f":"IF(P2=0,\"BSLI Immediate Annuity Plan\",OFFSET(P2,P2,1))","v":"BSLI Immediate Annuity Plan"},null,null,"Annuity Option",null,null,"Annuity Pay Mode",null,"Factor",null,null,"Requirement",null,null,null,"Annuity Options",null,"Annuity Option",null,"Increasing/Level","Increasing %","Annuity Certain","ROP%","PPT","Deferment years",null,"Rate 1",null,null,"Rate 2",null,"Joint Life factor","Annuity 1","Annnuity 2","Modal Annuity Payable","Premium Payable 1","Premium Payable 2","Final Premium Payable","Minimum premium 1","Minimum premium 2","Minimum premium payable","Minimum Annuity Amount","Minimum entry age for primary annuitant is 0","Maximum entry age for primary annuitant is 90",{"$f":"Q7","v":"Please enter a minimum Annuity of  Rs. 12000"},{"$f":"Q8","v":"Please input minimum premium of  Rs. 159066 (to fulfil minimum annuity amount requirement)"},"Please select a lower Deferment period."]
["Age - Annuitant 1",{"$f":"Calculator!D8","v":60},null,null,null,null,null,null,null,null,null,{"$f":"IF(Output!G14=\"QROPs\",55,IF(Input!G11=\"Yes\",45,IF(Annuity_Option<>6,0,45)))","v":0},{"$f":"IF(AND(Input!G11=\"No\",Annuity_Option=5),100,IF(OR(Annuity_Option=6,Annuity_Option=7),65,IF(Annuity_Option=9,75,90)))","v":90},{"$f":"IF(ISERROR(O3),0,IF(O3=0,0,1))","v":0},{"$f":"IF($B$3<$L$3,1,IF($B$3>$M$3,2,0))","v":0},1,{"$f":"IF(Output!G14=\"QROPs\",\"Minimum entry age for QROPs is \"&L3,\"Minimum entry age for primary annuitant is \"&L3)","v":"Minimum entry age for primary annuitant is 0"},null,null,"Option 1 - Life Annuity",1,null,"Annual",1,1,1,12000,"Annuity",2,null,1,"Option 1 - Life Annuity",null,1,"Option 1 - Life Annuity","Level",null,null,null,1,null,1,"'Single Life'!$B$9:$E$110",null,4,"'Single Life'!$B$116:$E$217",null,{"$f":"IF($B$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,4,TRUE))","v":-0.09},{"$f":"IF(JointLife_Ind=0,VLOOKUP(IF(AND(Gender=2,Annuity_Option<>6,Annuity_Option<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR(Annuity_Option=6,Annuity_Option=7)),INDIRECT($AR3),INDIRECT($AQ3)),$AS3,0),VLOOKUP(IF(Age_1=Age_2,IF(OR(Gender=2,$B$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($B$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ3),$AS3,0))","v":8088},{"$f":"IF(JointLife_Ind=0,VLOOKUP(IF(AND(Gender=2,Annuity_Option<>6,Annuity_Option<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR(Annuity_Option=6,Annuity_Option=7)),INDIRECT($AU3),INDIRECT($AT3)),$AS3,0),VLOOKUP(IF(Age_1=Age_2,IF(OR(Gender=2,$B$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($B$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT3),$AS3,0))","v":8415},{"$f":"IF(Request=2,Annuity_Input,((AW3*MIN(200000,Premium_Input)/100000)+AX3*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV3),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":391844.54399999994},{"$f":"IF(Request=1,Premium_Input,((((AY3*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV3)))-(200000*AW3)/100000)/(AX3/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY3*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV3)))/(AW3/100000)))","v":5000000},{"$f":"IF(AZ3>200000,AZ3,BA3)","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV3)))-(200000*AW3)/100000)/(AX3/100000)+200000","v":160655.77655247669},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV3)))/(AW3/100000))","v":159065.07909113396},{"$f":"MAX(150000,0,IF(BC3>200000,BC3,BD3))","v":159065.07909113396},{"$f":"MAX((AW3*150000/100000)*IF(JointLife_Ind=1,(1+AV3),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF3,\"Minimum Annuity amount should be \"&ROUNDUP(BF3,0),\"\"),\"\")","v":""},{"$f":"IF(Request=1,IF($B$10<BE3,\"Minimum premium should be Rs. \"&ROUNDUP(BE3,0),IF(AND($B$10<100000,$AH3=9,OR($AN3=8,$AN3=9,$AN3=10)),\"Minimum premium should be Rs. 1,00,000\",\"\")),\"\")","v":""},{"$f":"IF(AND(OR($AN3=8,$AN3=9),AO3>10),\"Deferment Period not allowed\",IF(AND($AN3=10,AO3>11),\"Deferment Period not allowed\",\"\"))","v":""}]
["Age - Annuitant 2",{"$f":"IF(OR(Annuity_Option=4,Annuity_Option=8),Calculator!D9,IF(AND(OR(Annuity_Option=1,Annuity_Option=5,Annuity_Option=9,Annuity_Option=10),Input!D16=\"Joint Life\"),Calculator!D9,\"NA\"))","v":60},{"$f":"IF(OR(C7=4,C7=8),Calculator!$D$9,IF(AND(OR(C7=1,C7=5,C7=9,C7=10),Input!$D$16=\"Joint Life\"),Calculator!$D$9,\"NA\"))","v":"NA"},{"$f":"IF(OR(D7=4,D7=8),Calculator!$D$9,IF(AND(OR(D7=1,D7=5,D7=9,D7=10),Input!$D$16=\"Joint Life\"),Calculator!$D$9,\"NA\"))","v":"NA"},{"$f":"IF(OR(E7=4,E7=8),Calculator!$D$9,IF(AND(OR(E7=1,E7=5,E7=9,E7=10),Input!$D$16=\"Joint Life\"),Calculator!$D$9,\"NA\"))","v":60},{"$f":"IF(OR(F7=4,F7=8),Calculator!$D$9,IF(AND(OR(F7=1,F7=5,F7=9,F7=10),Input!$D$16=\"Joint Life\"),Calculator!$D$9,\"NA\"))","v":60},{"$f":"IF(OR(G7=4,G7=8),Calculator!$D$9,IF(AND(OR(G7=1,G7=5,G7=9,G7=10),Input!$D$16=\"Joint Life\"),Calculator!$D$9,\"NA\"))","v":"NA"},{"$f":"IF(OR(H7=4,H7=8),Calculator!$D$9,IF(AND(OR(H7=1,H7=5,H7=9,H7=10),Input!$D$16=\"Joint Life\"),Calculator!$D$9,\"NA\"))","v":"NA"},{"$f":"IF(OR(I7=4,I7=8),Calculator!$D$9,IF(AND(OR(I7=1,I7=5,I7=9,I7=10),Input!$D$16=\"Joint Life\"),Calculator!$D$9,\"NA\"))","v":60},{"$f":"IF(OR(J7=4,J7=8),Calculator!$D$9,IF(AND(OR(J7=1,J7=5,J7=9,J7=10),Input!$D$16=\"Joint Life\"),Calculator!$D$9,\"NA\"))","v":60},null,{"$f":"IF(Output!G14=\"QROPs\",55,IF(Input!G11=\"Yes\",45,IF(Annuity_Option<>6,0,45)))","v":0},{"$f":"IF(AND(Input!G11=\"No\",Annuity_Option=5),100,IF(OR(Annuity_Option=6,Annuity_Option=7),65,IF(Annuity_Option=9,75,90)))","v":90},{"$f":"IF(SUM(N$2:N3)>0,0,IF(ISERROR(O4),0,IF(O4=0,0,1)))","v":0},{"$f":"IF(JointLife_Ind=1,IF($B$4<$L$4,3,IF($B$4>$M$4,4,0)),0)","v":0},2,{"$f":"\"Maximum entry age for primary annuitant is \"&M3","v":"Maximum entry age for primary annuitant is 90"},null,null,"Option 2 - Annuity Certain for a specified period and thereafter for life",2,null,"Semi-Annual",2,0.98,2,6000,"Premium",1,null,{"$f":"AE3+1","v":2},"Option 2 - Annuity Certain for a specified period and thereafter for life",null,1,"Option 1 - Life Annuity","Increasing",0.03,null,null,1,null,1,"'Single Life'!$B$9:$F$110",null,5,"'Single Life'!$B$116:$F$217",null,{"$f":"IF($B$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,5,TRUE))","v":-0.11},{"$f":"IF(JointLife_Ind=0,VLOOKUP(IF(AND(Gender=2,Annuity_Option<>6,Annuity_Option<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR(Annuity_Option=6,Annuity_Option=7)),INDIRECT($AR4),INDIRECT($AQ4)),$AS4,0),VLOOKUP(IF(Age_1=Age_2,IF(OR(Gender=2,$B$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($B$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ4),$AS4,0))","v":6172},{"$f":"IF(JointLife_Ind=0,VLOOKUP(IF(AND(Gender=2,Annuity_Option<>6,Annuity_Option<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR(Annuity_Option=6,Annuity_Option=7)),INDIRECT($AU4),INDIRECT($AT4)),$AS4,0),VLOOKUP(IF(Age_1=Age_2,IF(OR(Gender=2,$B$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($B$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT4),$AS4,0))","v":6421},{"$f":"IF(Request=2,Annuity_Input,((AW4*MIN(200000,Premium_Input)/100000)+AX4*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV4),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":292423.56199999998},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV4)))-(200000*AW4)/100000)/(AX4/100000)+200000","v":212619.35596105357},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV4)))/(AW4/100000))","v":213128.46478061},{"$f":"MAX(150000,0,IF(BC4>200000,BC4,BD4))","v":212619.35596105357},{"$f":"MAX((AW4*150000/100000)*IF(JointLife_Ind=1,(1+AV4),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF4,\"Minimum Annuity amount should be \"&ROUNDUP(BF4,0),\"\"),\"\")","v":""},"",{"$f":"IF(AND(OR($AN4=8,$AN4=9),AO4>10),\"Deferment Period not allowed\",IF(AND($AN4=10,AO4>11),\"Deferment Period not allowed\",\"\"))","v":""}]
["Gender - Annuitant 1",{"$f":"IF(OR(Input!$H$7=\"Male\",Input!$H$7=\"Transgender\"),1,2)","v":1},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(SUM(N$2:N4)>0,0,IF(ISERROR(O5),0,IF(O5=0,0,1)))","v":0},{"$f":"IF(Request=2,IF(Annuity_Input<L11,5,0),0)","v":0},3,{"$f":"IF(Output!G14=\"QROPs\",\"Minimum entry age for QROPs is \"&L4,\"Minimum entry age for primary annuitant is \"&L4)","v":"Minimum entry age for primary annuitant is 0"},null,null,"Option 3 - Life Annuity with return of Balance of Purchase Price",3,null,"Quarterly",3,0.97,4,3000,null,null,null,{"$f":"AE4+1","v":3},"Option 3 - Life Annuity with return of Balance of Purchase Price",null,1,"Option 1 - Life Annuity","Increasing",0.05,null,null,1,null,1,"'Single Life'!$B$9:$G$110",null,6,"'Single Life'!$B$116:$G$217",null,{"$f":"IF($B$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,6,TRUE))","v":-0.12},{"$f":"IF(JointLife_Ind=0,VLOOKUP(IF(AND(Gender=2,Annuity_Option<>6,Annuity_Option<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR(Annuity_Option=6,Annuity_Option=7)),INDIRECT($AR5),INDIRECT($AQ5)),$AS5,0),VLOOKUP(IF(Age_1=Age_2,IF(OR(Gender=2,$B$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($B$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ5),$AS5,0))","v":5333},{"$f":"IF(JointLife_Ind=0,VLOOKUP(IF(AND(Gender=2,Annuity_Option<>6,Annuity_Option<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR(Annuity_Option=6,Annuity_Option=7)),INDIRECT($AU5),INDIRECT($AT5)),$AS5,0),VLOOKUP(IF(Age_1=Age_2,IF(OR(Gender=2,$B$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($B$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT5),$AS5,0))","v":5549},{"$f":"IF(Request=2,Annuity_Input,((AW5*MIN(200000,Premium_Input)/100000)+AX5*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV5),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":249870.23599999998},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV5)))-(200000*AW5)/100000)/(AX5/100000)+200000","v":247535.94163507619},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV5)))/(AW5/100000))","v":249461.26760416981},{"$f":"MAX(150000,0,IF(BC5>200000,BC5,BD5))","v":247535.94163507619},{"$f":"MAX((AW5*150000/100000)*IF(JointLife_Ind=1,(1+AV5),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF5,\"Minimum Annuity amount should be \"&ROUNDUP(BF5,0),\"\"),\"\")","v":""},"",""]
["Gender - Annuitant 2",{"$f":"IF(OR(Annuity_Option=4,Annuity_Option=8,AND(OR(Annuity_Option=1,Annuity_Option=5,Annuity_Option=9,Annuity_Option=10),Input!D16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":1},{"$f":"IF(OR(C7=4,C7=8,AND(OR(C7=1,C7=5,C7=9,C7=10),Input!$D$16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":"NA"},{"$f":"IF(OR(D7=4,D7=8,AND(OR(D7=1,D7=5,D7=9,D7=10),Input!$D$16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":"NA"},{"$f":"IF(OR(E7=4,E7=8,AND(OR(E7=1,E7=5,E7=9,E7=10),Input!$D$16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":1},{"$f":"IF(OR(F7=4,F7=8,AND(OR(F7=1,F7=5,F7=9,F7=10),Input!$D$16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":1},{"$f":"IF(OR(G7=4,G7=8,AND(OR(G7=1,G7=5,G7=9,G7=10),Input!$D$16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":"NA"},{"$f":"IF(OR(H7=4,H7=8,AND(OR(H7=1,H7=5,H7=9,H7=10),Input!$D$16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":"NA"},{"$f":"IF(OR(I7=4,I7=8,AND(OR(I7=1,I7=5,I7=9,I7=10),Input!$D$16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":1},{"$f":"IF(OR(J7=4,J7=8,AND(OR(J7=1,J7=5,J7=9,J7=10),Input!$D$16=\"Joint Life\")),IF(OR(Input!$H$8=\"Male\",Input!$H$8=\"Transgender\"),1,2),\"NA\")","v":1},null,null,null,{"$f":"IF(SUM(N$2:N5)>0,0,IF(ISERROR(O6),0,IF(O6=0,0,1)))","v":0},{"$f":"IF(Request=1,IF($B$10<$L$10,6,0),0)","v":0},4,{"$f":"\"Maximum entry age for secondary annuitant is \"&M4","v":"Maximum entry age for secondary annuitant is 90"},null,null,"Option 4 - Life Annuity with 50% Annuity payable to Secondary Annuitant on death of Primary Annuitant",4,null,"Monthly",4,0.96,12,1000,null,null,null,4,"Option 4 - Life Annuity with 50% Annuity payable to Secondary Annuitant on death of Primary Annuitant",null,2,"Option 2 - Annuity Certain for a specified period and thereafter for life",null,null,5,null,1,null,1,"'Single Life'!$B$9:$H$110",null,7,"'Single Life'!$B$116:$H$217",null,{"$f":"IF($C$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(1,'Joint Life Factors'!$D$5:$L$5,0)+3,TRUE))","v":0},{"$f":"IF($C$12=0,VLOOKUP(IF(AND(Gender=2,$C$7<>6,$C$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($C$7=6,$C$7=7)),INDIRECT($AR6),INDIRECT($AQ6)),$AS6,0),VLOOKUP(IF(Age_1=$C$4,IF(OR(Gender=2,$C$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($C$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ6),$AS6,0))","v":8060},{"$f":"IF($C$12=0,VLOOKUP(IF(AND(Gender=2,$C$7<>6,$C$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($C$7=6,$C$7=7)),INDIRECT($AU6),INDIRECT($AT6)),$AS6,0),VLOOKUP(IF(Age_1=$C$4,IF(OR(Gender=2,$C$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($C$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT6),$AS6,0))","v":8385},{"$f":"IF(Request=2,Annuity_Input,((AW6*MIN(200000,Premium_Input)/100000)+AX6*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV6),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":429064.99999999994},{"$f":"IF(Request=1,Premium_Input,((((AY6*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV6)))-(200000*AW6)/100000)/(AX6/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY6*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV6)))/(AW6/100000)))","v":5000000},{"$f":"IF(AZ6>200000,AZ6,BA6)","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV6)))-(200000*AW6)/100000)/(AX6/100000)+200000","v":147374.08554765332},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV6)))/(AW6/100000))","v":145252.07286812321},150000,{"$f":"MAX((AW6*150000/100000)*IF(JointLife_Ind=1,(1+AV6),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12392.249999999998},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF6,\"Minimum Annuity amount should be \"&ROUNDUP(BF6,0),\"\"),\"\")","v":""},"",""]
["Annuity Option",1,2,3,4,5,6,7,8,9,null,1,2,null,null,5,{"$f":"\"Please enter a minimum Annuity of  Rs. \"&ROUNDUP(L11,0)","v":"Please enter a minimum Annuity of  Rs. 12000"},null,null,"Option 5 - Life Annuity with Return of Purchase Price ",5,null,null,null,null,null,null,null,null,null,5,"Option 5 - Life Annuity with Return of Purchase Price ",null,2,"Option 2 - Annuity Certain for a specified period and thereafter for life",null,null,10,null,1,null,1,"'Single Life'!$B$9:$I$110",null,8,"'Single Life'!$B$116:$I$217",null,{"$f":"IF($C$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(1,'Joint Life Factors'!$D$5:$L$5,0)+3,TRUE))","v":0},{"$f":"IF($C$12=0,VLOOKUP(IF(AND(Gender=2,$C$7<>6,$C$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($C$7=6,$C$7=7)),INDIRECT($AR7),INDIRECT($AQ7)),$AS7,0),VLOOKUP(IF(Age_1=$C$4,IF(OR(Gender=2,$C$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($C$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ7),$AS7,0))","v":7972},{"$f":"IF($C$12=0,VLOOKUP(IF(AND(Gender=2,$C$7<>6,$C$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($C$7=6,$C$7=7)),INDIRECT($AU7),INDIRECT($AT7)),$AS7,0),VLOOKUP(IF(Age_1=$C$4,IF(OR(Gender=2,$C$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($C$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT7),$AS7,0))","v":8296},{"$f":"IF(Request=2,Annuity_Input,((AW7*MIN(200000,Premium_Input)/100000)+AX7*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV7),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":424505.8},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV7)))-(200000*AW7)/100000)/(AX7/100000)+200000","v":148931.01582896255},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV7)))/(AW7/100000))","v":146855.45751593995},150000,{"$f":"MAX((AW7*150000/100000)*IF(JointLife_Ind=1,(1+AV7),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12256.949999999999},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF7,\"Minimum Annuity amount should be \"&ROUNDUP(BF7,0),\"\"),\"\")","v":""},"",""]
["Payout Mode",{"$f":"VLOOKUP(Input!$D$12,Check!$W$3:$X$6,2,0)","v":1},null,null,null,null,null,null,null,null,null,1,4,null,null,6,{"$f":"\"Please input minimum premium of  Rs. \"&ROUNDUP(L10,0)&\" (to fulfil minimum annuity amount requirement)\"","v":"Please input minimum premium of  Rs. 159066 (to fulfil minimum annuity amount requirement)"},null,null,"Option 6 - Life Annuity with enhanced Annuity on Critical Illness/ Accidental Permanent Disability and with Return of Purchase Price",6,null,null,null,null,null,null,null,null,null,6,"Option 6 - Life Annuity with enhanced Annuity on Critical Illness/ Accidental Permanent Disability and with Return of Purchase Price",null,2,"Option 2 - Annuity Certain for a specified period and thereafter for life",null,null,15,null,1,null,1,"'Single Life'!$B$9:$J$110",null,9,"'Single Life'!$B$116:$J$217",null,{"$f":"IF($C$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(1,'Joint Life Factors'!$D$5:$L$5,0)+3,TRUE))","v":0},{"$f":"IF($C$12=0,VLOOKUP(IF(AND(Gender=2,$C$7<>6,$C$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($C$7=6,$C$7=7)),INDIRECT($AR8),INDIRECT($AQ8)),$AS8,0),VLOOKUP(IF(Age_1=$C$4,IF(OR(Gender=2,$C$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($C$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ8),$AS8,0))","v":7848},{"$f":"IF($C$12=0,VLOOKUP(IF(AND(Gender=2,$C$7<>6,$C$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($C$7=6,$C$7=7)),INDIRECT($AU8),INDIRECT($AT8)),$AS8,0),VLOOKUP(IF(Age_1=$C$4,IF(OR(Gender=2,$C$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($C$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT8),$AS8,0))","v":8162},{"$f":"IF(Request=2,Annuity_Input,((AW8*MIN(200000,Premium_Input)/100000)+AX8*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV8),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":417658.8},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV8)))-(200000*AW8)/100000)/(AX8/100000)+200000","v":151131.05946055785},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV8)))/(AW8/100000))","v":149175.80368464236},150000,{"$f":"MAX((AW8*150000/100000)*IF(JointLife_Ind=1,(1+AV8),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12066.3},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF8,\"Minimum Annuity amount should be \"&ROUNDUP(BF8,0),\"\"),\"\")","v":""},"",""]
["Request",{"$f":"VLOOKUP(Input!$D$13,Check!$AB$3:$AC$4,2,0)","v":1},null,null,null,null,null,null,null,null,null,1,2,null,null,null,null,null,null,"Option 7 - Life Annuity with Return of Purchase Price on attainment of Age 80 years",7,null,null,null,null,null,null,null,null,null,7,"Option 7 - Life Annuity with Return of Purchase Price on attainment of Age 80 years",null,2,"Option 2 - Annuity Certain for a specified period and thereafter for life",null,null,20,null,1,null,1,"'Single Life'!$B$9:$K$110",null,10,"'Single Life'!$B$116:$K$217",null,{"$f":"IF($C$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(1,'Joint Life Factors'!$D$5:$L$5,0)+3,TRUE))","v":0},{"$f":"IF($C$12=0,VLOOKUP(IF(AND(Gender=2,$C$7<>6,$C$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($C$7=6,$C$7=7)),INDIRECT($AR9),INDIRECT($AQ9)),$AS9,0),VLOOKUP(IF(Age_1=$C$4,IF(OR(Gender=2,$C$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($C$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ9),$AS9,0))","v":7687},{"$f":"IF($C$12=0,VLOOKUP(IF(AND(Gender=2,$C$7<>6,$C$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($C$7=6,$C$7=7)),INDIRECT($AU9),INDIRECT($AT9)),$AS9,0),VLOOKUP(IF(Age_1=$C$4,IF(OR(Gender=2,$C$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($C$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT9),$AS9,0))","v":7996},{"$f":"IF(Request=2,Annuity_Input,((AW9*MIN(200000,Premium_Input)/100000)+AX9*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV9),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":409161.55},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV9)))-(200000*AW9)/100000)/(AX9/100000)+200000","v":154143.53518222529},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV9)))/(AW9/100000))","v":152300.20909549543},152300.20909549543,{"$f":"MAX((AW9*150000/100000)*IF(JointLife_Ind=1,(1+AV9),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF9,\"Minimum Annuity amount should be \"&ROUNDUP(BF9,0),\"\"),\"\")","v":""},"",""]
["Premium Input",{"$f":"Input!D14","v":5000000},null,null,null,null,null,null,null,null,null,{"$f":"MAX(150000,B28)","v":159065.07909113396},"No Maximum",{"$f":"IF(AND(Annuity_Option>7,Gender=B6),1,0)","v":0},null,null,null,null,null,"Option 8 - Life Annuity with Partial Return of Purchase Price to survivor and balance to nominee.",8,null,null,null,null,null,null,null,null,null,8,"Option 8 - Life Annuity with Partial Return of Purchase Price to survivor and balance to nominee.",null,3,"Option 3 - Life Annuity with return of Balance of Purchase Price","Level",null,null,null,1,null,1,"'Single Life'!$B$9:$L$110",null,11,"'Single Life'!$B$116:$L$217",null,{"$f":"IF($D$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(1,'Joint Life Factors'!$D$5:$L$5,0)+3,TRUE))","v":0},{"$f":"IF($D$12=0,VLOOKUP(IF(AND(Gender=2,$D$7<>6,$D$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($D$7=6,$D$7=7)),INDIRECT($AR10),INDIRECT($AQ10)),$AS10,0),VLOOKUP(IF(Age_1=$D$4,IF(OR(Gender=2,$D$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($D$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ10),$AS10,0))","v":7737},{"$f":"IF($D$12=0,VLOOKUP(IF(AND(Gender=2,$D$7<>6,$D$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($D$7=6,$D$7=7)),INDIRECT($AU10),INDIRECT($AT10)),$AS10,0),VLOOKUP(IF(Age_1=$D$4,IF(OR(Gender=2,$D$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($D$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT10),$AS10,0))","v":8083},{"$f":"IF(Request=2,Annuity_Input,((AW10*MIN(200000,Premium_Input)/100000)+AX10*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV10),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":413544.44999999995},{"$f":"IF(Request=1,Premium_Input,((((AY10*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV10)))-(200000*AW10)/100000)/(AX10/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY10*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV10)))/(AW10/100000)))","v":5000000},{"$f":"IF(AZ10>200000,AZ10,BA10)","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV10)))-(200000*AW10)/100000)/(AX10/100000)+200000","v":153399.93904702133},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV10)))/(AW10/100000))","v":151315.9761299048},151315.9761299048,{"$f":"MAX((AW10*150000/100000)*IF(JointLife_Ind=1,(1+AV10),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF10,\"Minimum Annuity amount should be \"&ROUNDUP(BF10,0),\"\"),\"\")","v":""},"",""]
["Annuity Input",{"$f":"IF(Request=1,L11,Input!D15)","v":12000},null,null,null,null,null,null,null,null,null,{"$f":"MAX(IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))),B41)","v":12000},"No Maximum",null,null,9,"Under Option 9, 8 Pay, only Deferment 8,9 and 10 are allowed. Please select a lower Deferment period",null,null,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",9,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,3,"Option 3 - Life Annuity with return of Balance of Purchase Price","Increasing",0.03,null,null,1,null,1,"'Single Life'!$B$9:$M$110",null,12,"'Single Life'!$B$116:$M$217",null,{"$f":"IF($D$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(1,'Joint Life Factors'!$D$5:$L$5,0)+3,TRUE))","v":0},{"$f":"IF($D$12=0,VLOOKUP(IF(AND(Gender=2,$D$7<>6,$D$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($D$7=6,$D$7=7)),INDIRECT($AR11),INDIRECT($AQ11)),$AS11,0),VLOOKUP(IF(Age_1=$D$4,IF(OR(Gender=2,$D$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($D$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ11),$AS11,0))","v":5873},{"$f":"IF($D$12=0,VLOOKUP(IF(AND(Gender=2,$D$7<>6,$D$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($D$7=6,$D$7=7)),INDIRECT($AU11),INDIRECT($AT11)),$AS11,0),VLOOKUP(IF(Age_1=$D$4,IF(OR(Gender=2,$D$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($D$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT11),$AS11,0))","v":6138},{"$f":"IF(Request=2,Annuity_Input,((AW11*MIN(200000,Premium_Input)/100000)+AX11*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV11),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":314029.25},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV11)))-(200000*AW11)/100000)/(AX11/100000)+200000","v":199369.77962154988},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV11)))/(AW11/100000))","v":199341.34297923945},199341.34297923945,{"$f":"MAX((AW11*150000/100000)*IF(JointLife_Ind=1,(1+AV11),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF11,\"Minimum Annuity amount should be \"&ROUNDUP(BF11,0),\"\"),\"\")","v":""},"",""]
["Joint Life Indicator",{"$f":"IF(OR(Annuity_Option=4,Annuity_Option=8),1,IF(AND(OR(Annuity_Option=1,Annuity_Option=5,Annuity_Option=9,Annuity_Option=10),Input!D16=\"Joint Life\"),1,0))","v":1},{"$f":"IF(OR(C7=4,C7=8),1,IF(AND(OR(C7=1,C7=5,C7=9,C7=10),Input!D16=\"Joint Life\"),1,0))","v":0},{"$f":"IF(OR(D7=4,D7=8),1,IF(AND(OR(D7=1,D7=5,D7=9,D7=10),Input!D16=\"Joint Life\"),1,0))","v":0},{"$f":"IF(OR(E7=4,E7=8),1,IF(AND(OR(E7=1,E7=5,E7=9,E7=10),Input!D16=\"Joint Life\"),1,0))","v":1},{"$f":"IF(OR(F7=4,F7=8),1,IF(AND(OR(F7=1,F7=5,F7=9,F7=10),Input!D16=\"Joint Life\"),1,0))","v":1},{"$f":"IF(OR(G7=4,G7=8),1,IF(AND(OR(G7=1,G7=5,G7=9,G7=10),Input!ID6=\"Joint Life\"),1,0))","v":0},{"$f":"IF(OR(H7=4,H7=8),1,IF(AND(OR(H7=1,H7=5,H7=9,H7=10),Input!D16=\"Joint Life\"),1,0))","v":0},{"$f":"IF(OR(I7=4,I7=8),1,IF(AND(OR(I7=1,I7=5,I7=9,I7=10),Input!D16=\"Joint Life\"),1,0))","v":1},{"$f":"IF(OR(J7=4,J7=8),1,IF(AND(OR(J7=1,J7=5,J7=9,J7=10),Input!D16=\"Joint Life\"),1,0))","v":1},null,1,4,null,null,10,"Under Option 9, 9 Pay, only Deferment 9 and 10 are allowed. Please select a lower Deferment period",null,null,"Option 10 - NPS - Family Income",10,null,null,null,null,null,null,null,null,null,10,"Option 10 - NPS - Family Income",null,3,"Option 3 - Life Annuity with return of Balance of Purchase Price","Increasing",0.05,null,null,1,null,1,"'Single Life'!$B$9:$N$110",null,13,"'Single Life'!$B$116:$N$217",null,{"$f":"IF($D$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(1,'Joint Life Factors'!$D$5:$L$5,0)+3,TRUE))","v":0},{"$f":"IF($D$12=0,VLOOKUP(IF(AND(Gender=2,$D$7<>6,$D$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($D$7=6,$D$7=7)),INDIRECT($AR12),INDIRECT($AQ12)),$AS12,0),VLOOKUP(IF(Age_1=$D$4,IF(OR(Gender=2,$D$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($D$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ12),$AS12,0))","v":5059},{"$f":"IF($D$12=0,VLOOKUP(IF(AND(Gender=2,$D$7<>6,$D$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($D$7=6,$D$7=7)),INDIRECT($AU12),INDIRECT($AT12)),$AS12,0),VLOOKUP(IF(Age_1=$D$4,IF(OR(Gender=2,$D$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($D$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT12),$AS12,0))","v":5288},{"$f":"IF(Request=2,Annuity_Input,((AW12*MIN(200000,Premium_Input)/100000)+AX12*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV12),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":270540.55},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV12)))-(200000*AW12)/100000)/(AX12/100000)+200000","v":230055.16401608798},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV12)))/(AW12/100000))","v":231415.63694743489},230055.16401608798,{"$f":"MAX((AW12*150000/100000)*IF(JointLife_Ind=1,(1+AV12),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF12,\"Minimum Annuity amount should be \"&ROUNDUP(BF12,0),\"\"),\"\")","v":""},"",""]
["Enhanced Annuity (SP)",{"$f":"IF(AND(OR(Input!D22=\"Yes\",Input!D23=\"Yes\"),Input!G12=\"Individual\"),1.02,IF(AND(Input!D23=\"Yes\",Input!G12=\"Group\"),1.025,0))","v":1.0249999999999999},null,null,null,null,null,null,null,null,null,0,1,null,null,11,"Under Option 9, 10 Pay, only Deferment 10 and 11 are allowed. Please select a lower Deferment period",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"Option 4 - Life Annuity with 50% Annuity payable to Secondary Annuitant on death of Primary Annuitant",null,null,null,null,1,null,1,{"$f":"AQ3","v":"'Single Life'!$B$9:$E$110"},null,{"$f":"AS3","v":4},{"$f":"AT3","v":"'Single Life'!$B$116:$E$217"},null,{"$f":"IF($E$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,7,TRUE))","v":-0.03},{"$f":"IF($E$12=0,VLOOKUP(IF(AND(Gender=2,$E$7<>6,$E$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($E$7=6,$E$7=7)),INDIRECT($AR13),INDIRECT($AQ13)),$AS13,0),VLOOKUP(IF(Age_1=$E$4,IF(OR(Gender=2,$E$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<$E$4,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($E$6=2,MAX($E$4-3,0),$E$4))),INDIRECT($AQ13),$AS13,0))","v":8088},{"$f":"IF($E$12=0,VLOOKUP(IF(AND(Gender=2,$E$7<>6,$E$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($E$7=6,$E$7=7)),INDIRECT($AU13),INDIRECT($AT13)),$AS13,0),VLOOKUP(IF(Age_1=$E$4,IF(OR(Gender=2,$E$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<$E$4,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($E$6=2,MAX($E$4-3,0),$E$4))),INDIRECT($AT13),$AS13,0))","v":8415},{"$f":"IF(Request=2,Annuity_Input,((AW13*MIN(200000,Premium_Input)/100000)+AX13*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV13),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":417680.44799999997},{"$f":"IF(Request=1,Premium_Input,((((AY13*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV13)))-(200000*AW13)/100000)/(AX13/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY13*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV13)))/(AW13/100000)))","v":5000000},{"$f":"IF(AZ13>200000,AZ13,BA13)","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV13)))-(200000*AW13)/100000)/(AX13/100000)+200000","v":151199.0379620429},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV13)))/(AW13/100000))","v":149226.00203395044},150000,{"$f":"MAX((AW13*150000/100000)*IF(JointLife_Ind=1,(1+AV13),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12062.240999999998},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF13,\"Minimum Annuity amount should be \"&ROUNDUP(BF13,0),\"\"),\"\")","v":""},"",""]
["Enhanced Annuity (LP)",{"$f":"IF(AND(OR(Input!D22=\"Yes\",Input!D23=\"Yes\"),Input!G12=\"Individual\"),1.03,IF(AND(Input!D23=\"Yes\",Input!G12=\"Group\"),1.035,0))","v":1.0349999999999999},null,null,null,null,null,null,null,null,null,{"$f":"IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000)))","v":12000},null,null,null,12,{"$f":"IF(Request=2,\"Under Option 9 for Premium Payment Term 8, 9 and 10, Minimum Annual Premium is Rs 1,00,000. Please input a higher Annuity.\",\"Under Option 9 for Premium Payment Term 8, 9 and 10, Minimum Annual Premium is Rs 1,00,000. Please input a higher Annual Premium.\")","v":"Under Option 9 for Premium Payment Term 8, 9 and 10, Minimum Annual Premium is Rs 1,00,000. Please input a higher Annual Premium."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Option 5 - Life Annuity with Return of Purchase Price ",null,null,null,1,1,null,1,"'Single Life'!$B$9:$O$110",null,14,"'Single Life'!$B$116:$O$217",null,{"$f":"IF($F$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,8,TRUE))","v":0.03},{"$f":"IF($F$12=0,VLOOKUP(IF(AND(Gender=2,$F$7<>6,$F$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($F$7=6,$F$7=7)),INDIRECT($AR14),INDIRECT($AQ14)),$AS14,0),VLOOKUP(IF(Age_1=$F$4,IF(OR(Gender=2,$F$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($F$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ14),$AS14,0))","v":6486},{"$f":"IF($F$12=0,VLOOKUP(IF(AND(Gender=2,$F$7<>6,$F$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($F$7=6,$F$7=7)),INDIRECT($AU14),INDIRECT($AT14)),$AS14,0),VLOOKUP(IF(Age_1=$F$4,IF(OR(Gender=2,$F$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($F$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT14),$AS14,0))","v":6812},{"$f":"IF(Request=2,Annuity_Input,((AW14*MIN(200000,Premium_Input)/100000)+AX14*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV14),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":358900.10099999997},{"$f":"IF(Request=1,Premium_Input,((((AY14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV14)))-(200000*AW14)/100000)/(AX14/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV14)))/(AW14/100000)))","v":5000000},{"$f":"IF(AZ14>200000,AZ14,BA14)","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV14)))-(200000*AW14)/100000)/(AX14/100000)+200000","v":176428.76182480276},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV14)))/(AW14/100000))","v":175244.02182401426},175244.02182401426,{"$f":"MAX((AW14*150000/100000)*IF(JointLife_Ind=1,(1+AV14),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF14,\"Minimum Annuity amount should be \"&ROUNDUP(BF14,0),\"\"),\"\")","v":""},"",""]
["Service Tax",{"$f":"B29*0","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Option 5 - Life Annuity with Return of Purchase Price ",null,null,null,0.75,1,null,1,"'Single Life'!$B$9:$P$110",null,15,"'Single Life'!$B$116:$P$217",null,{"$f":"IF($F$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,9,TRUE))","v":-0.01},{"$f":"IF($F$12=0,VLOOKUP(IF(AND(Gender=2,$F$7<>6,$F$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($F$7=6,$F$7=7)),INDIRECT($AR15),INDIRECT($AQ15)),$AS15,0),VLOOKUP(IF(Age_1=$F$4,IF(OR(Gender=2,$F$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($F$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ15),$AS15,0))","v":6889},{"$f":"IF($F$12=0,VLOOKUP(IF(AND(Gender=2,$F$7<>6,$F$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($F$7=6,$F$7=7)),INDIRECT($AU15),INDIRECT($AT15)),$AS15,0),VLOOKUP(IF(Age_1=$F$4,IF(OR(Gender=2,$F$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($F$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT15),$AS15,0))","v":7187},{"$f":"IF(Request=2,Annuity_Input,((AW15*MIN(200000,Premium_Input)/100000)+AX15*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV15),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":364045.62150000001},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV15)))-(200000*AW15)/100000)/(AX15/100000)+200000","v":172833.90567945677},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV15)))/(AW15/100000))","v":171658.77197245692},171658.77197245692,{"$f":"MAX((AW15*150000/100000)*IF(JointLife_Ind=1,(1+AV15),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF15,\"Minimum Annuity amount should be \"&ROUNDUP(BF15,0),\"\"),\"\")","v":""},"",""]
["Joint Life Factor",{"$f":"IF(B12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(1,'Joint Life Factors'!$D$5:$L$5,0)+3,TRUE))","v":-0.09},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Option 5 - Life Annuity with Return of Purchase Price ",null,null,null,0.5,1,null,1,"'Single Life'!$B$9:$Q$110",null,16,"'Single Life'!$B$116:$Q$217",null,{"$f":"IF($F$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,10,TRUE))","v":-0.04},{"$f":"IF($F$12=0,VLOOKUP(IF(AND(Gender=2,$F$7<>6,$F$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($F$7=6,$F$7=7)),INDIRECT($AR16),INDIRECT($AQ16)),$AS16,0),VLOOKUP(IF(Age_1=$F$4,IF(OR(Gender=2,$F$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($F$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ16),$AS16,0))","v":7521},{"$f":"IF($F$12=0,VLOOKUP(IF(AND(Gender=2,$F$7<>6,$F$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($F$7=6,$F$7=7)),INDIRECT($AU16),INDIRECT($AT16)),$AS16,0),VLOOKUP(IF(Age_1=$F$4,IF(OR(Gender=2,$F$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($F$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT16),$AS16,0))","v":7840},{"$f":"IF(Request=2,Annuity_Input,((AW16*MIN(200000,Premium_Input)/100000)+AX16*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV16),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":385100.20799999993},null,null,null,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV16)))-(200000*AW16)/100000)/(AX16/100000)+200000","v":163687.7799900448},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV16)))/(AW16/100000))","v":162147.61270069823},162147.61270069823,{"$f":"MAX((AW16*150000/100000)*IF(JointLife_Ind=1,(1+AV16),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF16,\"Minimum Annuity amount should be \"&ROUNDUP(BF16,0),\"\"),\"\")","v":""},"",""]
["Calculations",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,"Option 6 - Life Annuity with enhanced Annuity on Critical Illness/ Accidental Permanent Disability and with Return of Purchase Price",null,null,null,null,1,null,1,"'Single Life'!$AH$9:$AJ$100","'Single Life'!$AM$9:$AO$100",3,"'Single Life'!$AH$116:$AJ$207","'Single Life'!$AM$116:$AO$207",{"$f":"IF($G$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(G7,'Joint Life Factors'!$D$6:$L$6,0)+3,TRUE))","v":0},{"$f":"IF($G$12=0,VLOOKUP(IF(AND(Gender=2,$G$7<>6,$G$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($G$7=6,$G$7=7)),INDIRECT($AR17),INDIRECT($AQ17)),$AS17,0),VLOOKUP(IF(Age_1=$G$4,IF(OR(Gender=2,$G$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($G$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ17),$AS17,0))","v":4937},{"$f":"IF($G$12=0,VLOOKUP(IF(AND(Gender=2,$G$7<>6,$G$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($G$7=6,$G$7=7)),INDIRECT($AU17),INDIRECT($AT17)),$AS17,0),VLOOKUP(IF(Age_1=$G$4,IF(OR(Gender=2,$G$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($G$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT17),$AS17,0))","v":5201},{"$f":"IF(Request=2,Annuity_Input,((AW17*MIN(200000,Premium_Input)/100000)+AX17*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV17),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":266010.05},{"$f":"IF(Request=1,Premium_Input,((((AY17*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV17)))-(200000*AW17)/100000)/(AX17/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY17*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV17)))/(AW17/100000)))","v":5000000},{"$f":"IF(AZ17>200000,AZ17,BA17)","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV17)))-(200000*AW17)/100000)/(AX17/100000)+200000","v":235249.31884581296},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV17)))/(AW17/100000))","v":237134.23279665248},235249.31884581296,{"$f":"MAX((AW17*150000/100000)*IF(JointLife_Ind=1,(1+AV17),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},{"$f":"IF(OR(Age_1<45, Age_2<45),\"Minimum entry age is 45 years\",\"\")","v":""},{"$f":"IF(OR(Age_1>65, AND(Calculator!$E$22=\"Joint Life\",Age_2>65)),\"Maximum entry age is 65 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF17,\"Minimum Annuity amount should be \"&ROUNDUP(BF17,0),\"\"),\"\")","v":""},"",""]
["Annuity Rate 1",{"$f":"IF(JointLife_Ind=0,VLOOKUP(IF(AND(Gender=2,Annuity_Option<>6,Annuity_Option<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR(Annuity_Option=6,Annuity_Option=7)),INDIRECT($AR$75),INDIRECT($AQ$75)),$AS$75,0),VLOOKUP(IF(Age_1=Age_2,IF(OR(Gender=2,B6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF(B6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ$75),$AS$75,0))","v":8088},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,"Option 7 - Life Annuity with Return of Purchase Price on attainment of Age 80 years",null,null,null,null,1,null,1,"'Single Life'!$AH$9:$AK$100","'Single Life'!$AM$9:$AP$100",4,"'Single Life'!$AH$116:$AK$207","'Single Life'!$AM$116:$AP$207",{"$f":"IF($H$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,MATCH(H7,'Joint Life Factors'!$D$6:$L$6,0)+3,TRUE))","v":0},{"$f":"IF($H$12=0,VLOOKUP(IF(AND(Gender=2,$H$7<>6,$H$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($H$7=6,$H$7=7)),INDIRECT($AR18),INDIRECT($AQ18)),$AS18,0),VLOOKUP(IF(Age_1=$H$4,IF(OR(Gender=2,$H$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($H$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AQ18),$AS18,0))","v":4774},{"$f":"IF($H$12=0,VLOOKUP(IF(AND(Gender=2,$H$7<>6,$H$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($H$7=6,$H$7=7)),INDIRECT($AU18),INDIRECT($AT18)),$AS18,0),VLOOKUP(IF(Age_1=$H$4,IF(OR(Gender=2,$H$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($H$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT18),$AS18,0))","v":5063},{"$f":"IF(Request=2,Annuity_Input,((AW18*MIN(200000,Premium_Input)/100000)+AX18*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV18),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":258886.3},{"$f":"IF(Request=1,Premium_Input,((((AY18*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV18)))-(200000*AW18)/100000)/(AX18/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY18*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV18)))/(AW18/100000)))","v":5000000},{"$f":"IF(AZ18>200000,AZ18,BA18)","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV18)))-(200000*AW18)/100000)/(AX18/100000)+200000","v":242648.96451058131},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV18)))/(AW18/100000))","v":245230.77237475352},242648.96451058131,{"$f":"MAX((AW18*150000/100000)*IF(JointLife_Ind=1,(1+AV18),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>65, AND(Calculator!$E$22=\"Joint Life\",Age_2>65)),\"Maximum entry age is 65 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF18,\"Minimum Annuity amount should be \"&ROUNDUP(BF18,0),\"\"),\"\")","v":""},"",""]
["Annuity Rate 2",{"$f":"IF(JointLife_Ind=0,VLOOKUP(IF(AND(Gender=2,Annuity_Option<>6,Annuity_Option<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR(Annuity_Option=6,Annuity_Option=7)),INDIRECT($AU$75),INDIRECT($AT$75)),$AS$75,0),VLOOKUP(IF(Age_1=Age_2,IF(OR(Gender=2,B6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF(B6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT$75),$AS$75,0))","v":8415},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,"Option 8 - Life Annuity with Partial Return of Purchase Price to survivor and balance to nominee.",null,null,null,null,1,null,1,{"$f":"AQ14","v":"'Single Life'!$B$9:$O$110"},null,{"$f":"AS14","v":14},{"$f":"AT14","v":"'Single Life'!$B$116:$O$217"},null,{"$f":"IF($I$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,11,TRUE))","v":-0.1},{"$f":"IF($I$12=0,VLOOKUP(IF(AND(Gender=2,$I$7<>6,$I$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($I$7=6,$I$7=7)),INDIRECT($AR19),INDIRECT($AQ19)),$AS19,0),VLOOKUP(IF(Age_1=$I$4,IF(OR(Gender=2,$I$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<$I$4,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($I$6=2,MAX($I$4-3,0),$I$4))),INDIRECT($AQ19),$AS19,0))","v":6486},{"$f":"IF($I$12=0,VLOOKUP(IF(AND(Gender=2,$I$7<>6,$I$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($I$7=6,$I$7=7)),INDIRECT($AU19),INDIRECT($AT19)),$AS19,0),VLOOKUP(IF(Age_1=$I$4,IF(OR(Gender=2,$I$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<$I$4,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($I$6=2,MAX($I$4-3,0),$I$4))),INDIRECT($AT19),$AS19,0))","v":6812},{"$f":"IF(Request=2,Annuity_Input,((AW19*MIN(200000,Premium_Input)/100000)+AX19*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV19),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":313602.02999999997},{"$f":"IF(Request=1,Premium_Input,((((AY19*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV19)))-(200000*AW19)/100000)/(AX19/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY19*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV19)))/(AW19/100000)))","v":5000000},{"$f":"IF(AZ19>200000,AZ19,BA19)","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV19)))-(200000*AW19)/100000)/(AX19/100000)+200000","v":200530.38874487396},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV19)))/(AW19/100000))","v":200557.04719859408},200530.38874487396,{"$f":"MAX((AW19*150000/100000)*IF(JointLife_Ind=1,(1+AV19),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>90,AND(Calculator!$E$22=\"Joint Life\", Age_2>90)),\"Maximum entry age is 90 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF19,\"Minimum Annuity amount should be \"&ROUNDUP(BF19,0),\"\"),\"\")","v":""},"",""]
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["Modal Annuity Payable",{"$f":"IF(Request=2,Annuity_Input,((Annuity_Base*MIN(200000,Premium_Input)/100000)+B19*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+$B$16),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(AND(Input!D22=\"Yes\",Input!G12=\"Individual\"),Input!D23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))","v":391844.54399999994},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,1,10,1,"'Single Life'!$B$9:$AF$110",null,{"$f":"16+AO21","v":26},"'Single Life'!$B$116:$AF$217",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},12596,13381,{"$f":"IF(Age_1+AO21>75,\"NA\",IF(Request=2,Annuity_Input,((AW21*MIN(200000,Premium_Input)/100000)+AX21*IF(Premium_Input>200000,(Premium_Input-200000)/100000,0))*IF(JointLife_Ind=1,(1+AV21),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":694429.50499999989},{"$f":"IF(Request=1,Premium_Input,((((AY21*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV21)))-(200000*AW21)/100000)/(AX21/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY21*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV21)))/(AW21/100000)))","v":5000000},{"$f":"IF(Age_1+AO21>75,\"NA\",IF(AZ21>200000,AZ21,BA21))","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV21)))-(200000*AW21)/100000)/(AX21/100000)+200000","v":97932.161536085347},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+AV21)))/(AW21/100000))","v":91571.153819812476},150000,{"$f":"MAX((AW21*150000/100000)*IF(JointLife_Ind=1,(1+AV21),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0), IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":19656.845249999998},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF21,\"Minimum Annuity amount should be \"&ROUNDUP(BF21,0),\"\"),\"\")","v":""},"",""]
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["Premium Payable 1",{"$f":"IF(Request=1,Premium_Input,((((B21*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!D22=\"Yes\",Input!D23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$B$16)))-(200000*Annuity_Base)/100000)/(B19/100000)+200000)","v":5000000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,5,{"$f":"AO23+1","v":6},1,"'Limited Pay'!$B$9:$O$85",null,{"$f":"AO24-1","v":5},"'Limited Pay'!$B$91:$O$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},39867,40767,{"$f":"IF(Age_1+AO24>75,\"NA\",IF(Request=2,Annuity_Input,((AW24*MIN(50000,Premium_Input)/100000)+AX24*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV24),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":2140864.8974999995},{"$f":"IF(Request=1,Premium_Input,((((AY24*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV24)))-(200000*AW24)/100000)/(AX24/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY24*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV24)))/(AW24/100000)))","v":5000000},{"$f":"IF(Age_1+AO24>75,\"NA\",IF(AZ24>50000,AZ24,BA24))","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV24)))-(50000*AW24)/100000)/(AX24/100000)+50000","v":29123.702991567061},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV24)))/(AW24/100000))","v":28652.41929057151},{"$f":"MAX(0,0,IF(BC24>50000,BC24,BD24))","v":28652.41929057151},{"$f":"MAX((AW24*0/100000)*IF(JointLife_Ind=1,(1+AV24),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF24,\"Minimum Annuity amount should be \"&ROUNDUP(BF24,0),\"\"),\"\")","v":""},"",""]
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["Annual Annuity Amount",{"$f":"IF(Request=2,Annuity_Input,B21)*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)/VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0)","v":391844.54399999994},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,{"$f":"AN34","v":6},{"$f":"AO34+1","v":7},1,"'Limited Pay'!$Q$9:$AC$85",null,{"$f":"AO35-2","v":5},"'Limited Pay'!$Q$91:$AC$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},50087,{"$f":"IF($J$12=0,VLOOKUP(IF(AND(Gender=2,$J$7<>6,$J$7<>7),MAX(Age_1-3,0),Age_1),IF(AND(Gender=2,OR($J$7=6,$J$7=7)),INDIRECT($AU35),INDIRECT($AT35)),$AS35,0),VLOOKUP(IF(Age_1=$J$4,IF(OR(Gender=2,$J$6=2),MAX(Age_1-3,0),Age_1),IF(Age_1<Age_2,IF(Gender=2,MAX(Age_1-3,0),Age_1),IF($B$6=2,MAX(Age_2-3,0),Age_2))),INDIRECT($AT35),$AS35,0))","v":51210},{"$f":"IF(Age_1+AO35>75,\"NA\",IF(Request=2,Annuity_Input,((AW35*MIN(50000,Premium_Input)/100000)+AX35*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV35),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":2689279.3927124995},{"$f":"IF(Request=1,Premium_Input,((((AY35*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV35)))-(200000*AW35)/100000)/(AX35/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY35*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV35)))/(AW35/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV35)))-(50000*AW35)/100000)/(AX35/100000)+50000","v":23402.38234440958},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV35)))/(AW35/100000))","v":22806.037491908366},{"$f":"MAX(0,0,IF(BC35>50000,BC35,BD35))","v":22806.037491908366},{"$f":"MAX((AW35*0/100000)*IF(JointLife_Ind=1,(1+AV35),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF35,\"Minimum Annuity amount should be \"&ROUNDUP(BF35,0),\"\"),\"\")","v":""},{"$f":"IF(Request=1,IF($B$10<BE35,\"Minimum premium should be Rs. \"&ROUNDUP(BE35,0),IF(AND($B$10<100000,$AH35=9,OR($AN35=8,$AN35=9,$AN35=10)),\"Minimum premium should be Rs. 1,00,000\",\"\")),\"\")","v":""},""]
["Annual Annuity with modal adj",{"$f":"IF(Request=2,Input!D15,Check!B21)*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0)","v":391844.54399999994},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,{"$f":"AN35","v":6},{"$f":"AO35+1","v":8},1,"'Limited Pay'!$Q$9:$AC$85",null,6,"'Limited Pay'!$Q$91:$AC$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},53323,54512,{"$f":"IF(Age_1+AO36>75,\"NA\",IF(Request=2,Annuity_Input,((AW36*MIN(50000,Premium_Input)/100000)+AX36*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV36),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":2862686.4028874994},{"$f":"IF(Request=1,Premium_Input,((((AY36*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV36)))-(200000*AW36)/100000)/(AX36/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY36*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV36)))/(AW36/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV36)))-(50000*AW36)/100000)/(AX36/100000)+50000","v":22045.347810706167},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV36)))/(AW36/100000))","v":21422.013012343912},{"$f":"MAX(0,0,IF(BC36>50000,BC36,BD36))","v":21422.013012343912},{"$f":"MAX((AW36*0/100000)*IF(JointLife_Ind=1,(1+AV36),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF36,\"Minimum Annuity amount should be \"&ROUNDUP(BF36,0),\"\"),\"\")","v":""},"",""]
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["Minimum Premium 2",{"$f":"((((L14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!D22=\"Yes\",Input!D23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$B$16)))/(Annuity_Base/100000))","v":159065.07909113396},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,6,10,1,"'Limited Pay'!$Q$9:$AC$85",null,8,"'Limited Pay'!$Q$91:$AC$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},60181,61664,{"$f":"IF(Age_1+AO38>75,\"NA\",IF(Request=2,Annuity_Input,((AW38*MIN(50000,Premium_Input)/100000)+AX38*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV38),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":3238199.7157124993},{"$f":"IF(Request=1,Premium_Input,((((AY38*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV38)))-(200000*AW38)/100000)/(AX38/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY38*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV38)))/(AW38/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV38)))-(50000*AW38)/100000)/(AX38/100000)+50000","v":19726.84223951113},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV38)))/(AW38/100000))","v":18980.841126887466},18980.841126887466,{"$f":"MAX((AW38*0/100000)*IF(JointLife_Ind=1,(1+AV38),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF38,\"Minimum Annuity amount should be \"&ROUNDUP(BF38,0),\"\"),\"\")","v":""},"",""]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,8,11,1,"'Limited Pay'!$AR$9:$BB$85",null,7,"'Limited Pay'!$AR$91:$BB$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},88464,90132,{"$f":"IF(Age_1+AO56>75,\"NA\",IF(Request=2,Annuity_Input,((AW56*MIN(50000,Premium_Input)/100000)+AX56*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV56),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":4733419.8271499993},{"$f":"IF(Request=1,Premium_Input,((((AY56*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV56)))-(200000*AW56)/100000)/(AX56/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY56*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV56)))/(AW56/100000)))","v":5000000},{"$f":"IF(Age_1+AO56>75,\"NA\",IF(AZ56>50000,AZ56,BA56))","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV56)))-(50000*AW56)/100000)/(AX56/100000)+50000","v":13598.788442031851},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV56)))/(AW56/100000))","v":12912.438956606242},12912.438956606242,{"$f":"MAX((AW56*0/100000)*IF(JointLife_Ind=1,(1+AV56),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF56,\"Minimum Annuity amount should be \"&ROUNDUP(BF56,0),\"\"),\"\")","v":""},"","Deferment Period not allowed","Under Option 9, 8 Pay, only Deferment 8,9 and 10 are allowed."]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,{"$f":"AN61","v":9},{"$f":"AO61+1","v":10},1,"'Limited Pay'!$BD$9:$BM$85",null,{"$f":"AO62-5","v":5},"'Limited Pay'!$BD$91:$BM$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},83968,85339,{"$f":"IF(Age_1+AO62>75,\"NA\",IF(Request=2,Annuity_Input,((AW62*MIN(50000,Premium_Input)/100000)+AX62*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV62),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":4481817.513862499},{"$f":"IF(Request=1,Premium_Input,((((AY62*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV62)))-(200000*AW62)/100000)/(AX62/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY62*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV62)))/(AW62/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV62)))-(50000*AW62)/100000)/(AX62/100000)+50000","v":14188.542165448554},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV62)))/(AW62/100000))","v":13603.825265067817},13603.825265067817,{"$f":"MAX((AW62*0/100000)*IF(JointLife_Ind=1,(1+AV62),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF62,\"Minimum Annuity amount should be \"&ROUNDUP(BF62,0),\"\"),\"\")","v":""},"",""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,{"$f":"AN62","v":9},{"$f":"AO62+1","v":11},1,"'Limited Pay'!$BD$9:$BM$85",null,6,"'Limited Pay'!$BD$91:$BM$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},93949,95579,{"$f":"IF(Age_1+AO63>75,\"NA\",IF(Request=2,Annuity_Input,((AW63*MIN(50000,Premium_Input)/100000)+AX63*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV63),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":5019550.2708749995},{"$f":"IF(Request=1,Premium_Input,((((AY63*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV63)))-(200000*AW63)/100000)/(AX63/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY63*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV63)))/(AW63/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV63)))-(50000*AW63)/100000)/(AX63/100000)+50000","v":12803.921361985529},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV63)))/(AW63/100000))","v":12158.575395770198},12158.575395770198,{"$f":"MAX((AW63*0/100000)*IF(JointLife_Ind=1,(1+AV63),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF63,\"Minimum Annuity amount should be \"&ROUNDUP(BF63,0),\"\"),\"\")","v":""},"","Deferment Period not allowed"," For 9 Pay, only Deferment 9 and 10 are allowed."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,9,12,1,"'Limited Pay'!$BD$9:$BM$85",null,7,"'Limited Pay'!$BD$91:$BM$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},106452,108386,{"$f":"IF(Age_1+AO64>75,\"NA\",IF(Request=2,Annuity_Input,((AW64*MIN(50000,Premium_Input)/100000)+AX64*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV64),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":5692094.2748249983},{"$f":"IF(Request=1,Premium_Input,((((AY64*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV64)))-(200000*AW64)/100000)/(AX64/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY64*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV64)))/(AW64/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV64)))-(50000*AW64)/100000)/(AX64/100000)+50000","v":11431.236505242508},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV64)))/(AW64/100000))","v":10730.526433108016},10730.526433108016,{"$f":"MAX((AW64*0/100000)*IF(JointLife_Ind=1,(1+AV64),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF64,\"Minimum Annuity amount should be \"&ROUNDUP(BF64,0),\"\"),\"\")","v":""},"","Deferment Period not allowed"," For 9 Pay, only Deferment 9 and 10 are allowed."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,9,13,1,"'Limited Pay'!$BD$9:$BM$85",null,8,"'Limited Pay'!$BD$91:$BM$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},118674,120750,{"$f":"IF(Age_1+AO65>75,\"NA\",IF(Request=2,Annuity_Input,((AW65*MIN(50000,Premium_Input)/100000)+AX65*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV65),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":6341454.2425499996},{"$f":"IF(Request=1,Premium_Input,((((AY65*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV65)))-(200000*AW65)/100000)/(AX65/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY65*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV65)))/(AW65/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV65)))-(50000*AW65)/100000)/(AX65/100000)+50000","v":10319.552793848568},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV65)))/(AW65/100000))","v":9625.410788017718},9625.410788017718,{"$f":"MAX((AW65*0/100000)*IF(JointLife_Ind=1,(1+AV65),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF65,\"Minimum Annuity amount should be \"&ROUNDUP(BF65,0),\"\"),\"\")","v":""},"","Deferment Period not allowed"," For 9 Pay, only Deferment 9 and 10 are allowed."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,9,14,1,"'Limited Pay'!$BD$9:$BM$85",null,9,"'Limited Pay'!$BD$91:$BM$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},127934,130095,{"$f":"IF(Age_1+AO66>75,\"NA\",IF(Request=2,Annuity_Input,((AW66*MIN(50000,Premium_Input)/100000)+AX66*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV66),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":6832267.4014874985},{"$f":"IF(Request=1,Premium_Input,((((AY66*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV66)))-(200000*AW66)/100000)/(AX66/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY66*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV66)))/(AW66/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV66)))-(50000*AW66)/100000)/(AX66/100000)+50000","v":9610.9458461679169},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV66)))/(AW66/100000))","v":8928.7132416497152},8928.7132416497152,{"$f":"MAX((AW66*0/100000)*IF(JointLife_Ind=1,(1+AV66),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF66,\"Minimum Annuity amount should be \"&ROUNDUP(BF66,0),\"\"),\"\")","v":""},"","Deferment Period not allowed"," For 9 Pay, only Deferment 9 and 10 are allowed."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,9,15,1,"'Limited Pay'!$BD$9:$BM$85",null,10,"'Limited Pay'!$BD$91:$BM$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},137482,139942,{"$f":"IF(Age_1+AO67>75,\"NA\",IF(Request=2,Annuity_Input,((AW67*MIN(50000,Premium_Input)/100000)+AX67*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV67),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":7349336.331749998},{"$f":"IF(Request=1,Premium_Input,((((AY67*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV67)))-(200000*AW67)/100000)/(AX67/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY67*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV67)))/(AW67/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV67)))-(50000*AW67)/100000)/(AX67/100000)+50000","v":9041.5029073274272},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV67)))/(AW67/100000))","v":8308.6222185974493},8308.6222185974493,{"$f":"MAX((AW67*0/100000)*IF(JointLife_Ind=1,(1+AV67),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF67,\"Minimum Annuity amount should be \"&ROUNDUP(BF67,0),\"\"),\"\")","v":""},{"$f":"IF(Request=1,IF($B$10<BE67,\"Minimum premium should be Rs. \"&ROUNDUP(BE67,0),IF(AND($B$10<100000,$AH67=9,OR($AN67=8,$AN67=9,$AN67=10)),\"Minimum premium should be Rs. 1,00,000\",\"\")),\"\")","v":""},"Deferment Period not allowed"," For 9 Pay, only Deferment 9 and 10 are allowed."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,10,{"$f":"AN68+0","v":10},1,"'Limited Pay'!$BO$9:$BW$85",null,{"$f":"AO68-6","v":4},"'Limited Pay'!$BO$91:$BW$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},89768,91405,{"$f":"IF(Age_1+AO68>77,\"NA\",IF(Request=2,Annuity_Input,((AW68*MIN(50000,Premium_Input)/100000)+AX68*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV68),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":4800302.0265374985},{"$f":"IF(Request=1,Premium_Input,((((AY68*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV68)))-(200000*AW68)/100000)/(AX68/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY68*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV68)))/(AW68/100000)))","v":5000000},{"$f":"IF(Age_1+AO68>77,\"NA\",IF(AZ68>50000,AZ68,BA68))","v":5000000},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV68)))-(50000*AW68)/100000)/(AX68/100000)+50000","v":13392.440236936869},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV68)))/(AW68/100000))","v":12724.868548449496},12724.868548449496,{"$f":"MAX((AW68*0/100000)*IF(JointLife_Ind=1,(1+AV68),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF68,\"Minimum Annuity amount should be \"&ROUNDUP(BF68,0),\"\"),\"\")","v":""},"",{"$f":"IF(AND(OR($AN68=8,$AN68=9),AO68>10),\"Deferment Period not allowed\",IF(AND($AN68=10,AO68>11),\"Deferment Period not allowed\",\"\"))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,"Option 9 - Deferred Life Annuity with Return of Purchase Price ",null,null,null,null,{"$f":"AN68","v":10},{"$f":"AO68+1","v":11},1,"'Limited Pay'!$BO$9:$BW$85",null,{"$f":"AO69-6","v":5},"'Limited Pay'!$BO$91:$BW$167",null,{"$f":"IF($J$12=0,0,VLOOKUP(Age_1,'Joint Life Factors'!$A$9:$L$12,12,TRUE))","v":1.4999999999999999E-2},101450,103189,{"$f":"IF(Age_1+AO69>75,\"NA\",IF(Request=2,Annuity_Input,((AW69*MIN(50000,Premium_Input)/100000)+AX69*IF(Premium_Input>50000,(Premium_Input-50000)/100000,0))*IF(JointLife_Ind=1,(1+AV69),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0)))","v":5419217.779762499},{"$f":"IF(Request=1,Premium_Input,((((AY69*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV69)))-(200000*AW69)/100000)/(AX69/100000)+200000)","v":5000000},{"$f":"IF(Request=1,Premium_Input,((((AY69*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_SP,1)))/IF(JointLife_Ind=0,1,(1+$AV69)))/(AW69/100000)))","v":5000000},5000000,{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV69)))-(50000*AW69)/100000)/(AX69/100000)+50000","v":11912.471289160807},{"$f":"(((($L$14*VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0))/(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))/(IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)))/IF(JointLife_Ind=0,1,(1+AV69)))/(AW69/100000))","v":11259.595858622124},11259.595858622124,{"$f":"MAX((AW69*0/100000)*IF(JointLife_Ind=1,(1+AV69),1)*(VLOOKUP(Payout_Mode,'Modal Factors'!$C$4:$D$7,2,0))*IF(OR(Input!$D$22=\"Yes\",Input!$D$23=\"Yes\"),Bonus_LP,1)/VLOOKUP(Payout_Mode,$X$3:$Z$6,3,0),IF(Payout_Mode=1,12000,IF(Payout_Mode=2,6000,IF(Payout_Mode=3,3000,1000))))","v":12000},null,{"$f":"IF(OR(Age_1>75,AND(Calculator!$E$22=\"Joint Life\",Age_2>75)),\"Maximum entry age is 75 years\",\"\")","v":""},{"$f":"IF(Request=2, IF(Annuity_Input<Check!BF69,\"Minimum Annuity amount should be \"&ROUNDUP(BF69,0),\"\"),\"\")","v":""},"",""]
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[]
[null,null," Aditya Birla Sun Life Insurance"]
[null,null,{"$f":"IF(Check!P2>=1,\"ERROR - \"&Check!Q2,\"ABSLI Guaranteed Annuity Plus\")","v":"ABSLI Guaranteed Annuity Plus"}]
[null,null,"Your Policy Illustration"]
[]
[]
[null,"Annuitant 1:","Client 1",null,"Date of Birth:",null,"Gender:",{"$f":"Calculator!F8","v":"Male"}]
[null,"Annuitant 2:","Client 2",null,"Date of Birth:",null,"Gender:",{"$f":"Calculator!F9","v":"Male"}]
[]
[null,"Policy Details",null,"UIN: 109NXXXXXX"]
[null,"Annuity Option",null,"Option 1 - Life Annuity",null,"New Proposal","No"]
[null,"Frequency of Annuity payment",null,{"$f":"Calculator!E13","v":"Annual"},null,"Individual/Group",{"$f":"Calculator!E23","v":"Group"}]
[null,"Would you like to choose Premium or the Annuity",null,{"$f":"Calculator!E14","v":"Premium"}]
[null,{"$f":"IF(D13=\"Premium\",\"Premium / Vesting Amount (Before GST)\",\"\")","v":"Premium / Vesting Amount (Before GST)"},null,{"$f":"Calculator!E18","v":5000000}]
[null,{"$f":"IF(D13=\"Annuity\",\"Annuity Amount\",\"\")","v":""},null,{"$f":"Calculator!E21","v":32344.2}]
[null,{"$f":"IF(OR(Annuity_Option=1,Annuity_Option=5,Annuity_Option=9,Annuity_Option=10),\"Single Life/ Joint Life Annuity\",\"\")","v":"Single Life/ Joint Life Annuity"},null,{"$f":"Calculator!E22","v":"Joint Life"}]
[null,{"$f":"IF(OR(Annuity_Option=1,Annuity_Option=3),\"Level or Increasing Annuity\",\"\")","v":"Level or Increasing Annuity"},null,"Increasing"]
[null,{"$f":"IF(AND(OR(Annuity_Option=1,Annuity_Option=3),D17=\"Increasing\"),\"Annuity Escalation Rate\",\"\")","v":"Annuity Escalation Rate"},null,0.03]
[null,{"$f":"IF(Annuity_Option=2,\"Annuity Certain Period\",\"\")","v":""},null,5]
[null,{"$f":"IF(Annuity_Option=5,\"RoP Percentage\",\"\")","v":""},null,1]
[null,{"$f":"IF(Annuity_Option=9,\"Deferment Period\",\"\")","v":""},null,5]
[null,"ABG Employee",null,"No"]
[null,"Sale without Agent",null,{"$f":"Calculator!D47","v":"Yes"}]
[null,{"$f":"IF(Annuity_Option<>10,\"<<Whether purchased through QROPs/ NPS proceeds>>\",\"\")","v":"<<Whether purchased through QROPs/ NPS proceeds>>"},null,"None"]
[]
[]
[]
[]
[]
[null,"Annuity Types","Lifetime Annuity with return of purchase price",null,null,null,"Options",null,null,"Modes"]
[null,null,null,null,null,1,"Annuity Amount",null,1,"Annual"]
[null,null,null,null,null,2,"Premium Amount",null,2,"Semi - Annual"]
[null,1,"Lifetime Annuity at Uniform Rate",null,null,null,null,null,3,"Quaterly"]
[null,2,"Lifetime Annuity with return of purchase price",null,null,null,"Sales",null,4,"Monthly"]
[null,3,"Annuity for term of 5 years ",null,null,1,"Yes"]
[null,4,"Annuity for term of 10 years ",null,null,2,"No"]
[null,5,"Annuity for term of 15 years "]
[null,6,"Annuity for term of 20 years "]
[null,7,"Lifetime Annuity  at  increasing rate of 3% annually"]
[null,8,"Joint Life with Last Survivor"]
[null,9,"Joint Life with RoP"]

{"sheet":"Please read","index":3,"n_rows":8,"n_cols":6,"rows_kept":8,"cut":false,"hidden":true,"merged":[]}
["Date","UIN Version","Sheet","Cell","Description","Color"]
["2025-05-08","V15","Single Pay","Highlighted cells updated","Updated annuity rates for Single Pay"]
["2025-05-08","V15","Limited Pay","Highlighted cells updated","Updated specific annuity rates for Limited Pay "]
["2025-05-08","V15","Input","D10","Updated UIN to V15"]
["2025-05-08","V15","Output","C9","Updated UIN to V15"]
["2025-05-08","V15","Surrender Factors","C:K","Updated SSF factors"]
["2025-09-30","V16","Single Pay","Column AR","Updated Annuity Rates"]
["2025-09-30","V16","Check","B27:B28","GST rate updated to 0%"]

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[]
[null,"                             Aditya Birla Sun Life Insurance"]
[null,"                             ABSLI Guaranteed Annuity Plus"]
[null,"A Non Linked Non Participating Single Premium General Annuity Plan"]
[null,"                                Your Benefit Illustration"]
[null,null,null,null,"This shall form a part of the policy contract"]
[]
[null,"Policy Details"]
[null,"UIN","109Nxxxxxx",null,"Premium Payment Term:",null,"Single Pay"]
[null,null,null,null,"Policy Term:",null,"Whole Life"]
[null,"Name of the First Annuitant/ Policyholder:",{"$f":"Input!C7","v":"Client 1"},null,"Purchase Price:","Rs.",{"$f":"IF(Request=2,Check!B27,Input!D14)","v":5000000}]
[null,"Age of the First Annuitant/ Policyholder:",{"$f":"Age_1&\" \"&\"Years\"","v":"60 Years"},null,"Frequency of Annuity payment:",null,{"$f":"Input!D12","v":"Annual"}]
[null,"Gender of the First Annuitant/ Policyholder:",{"$f":"Input!H7","v":"Male"},null,"Annuity:","Rs.",{"$f":"IF(Request=2,Input!D15,Check!B21)","v":391844.54399999994}]
[null,"Joint Life/ Single Life Annuity/Family Income",{"$f":"IF(OR(Annuity_Option=1,Annuity_Option=5,Annuity_Option=9),Input!D16,IF(OR(Annuity_Option=4,Annuity_Option=8),\"Joint Life\",IF(Annuity_Option=10,\"Family Income\",\"Single Life\")))","v":"Joint Life"},null,"<<Whether purchased through NPS/ QROPs proceeds>>",null,{"$f":"IF(Annuity_Option=10,\"NPS\",Input!D24)","v":"None"}]
[null,{"$f":"IF(JointLife_Ind=1,\"Name of the Second Annuitant, if any:\",\"\")","v":"Name of the Second Annuitant, if any:"},{"$f":"IF(JointLife_Ind=1,Input!C8,\"\")","v":"Client 2"}]
[null,{"$f":"IF(JointLife_Ind=1,\"Age of the Second Annuitant:\",\"\")","v":"Age of the Second Annuitant:"},{"$f":"IF(JointLife_Ind=1,Age_2&\" \"&\"Years\",\"\")","v":"60 Years"},null,{"$f":"IF(Input!D22=\"Yes\",\"<<ABG/Partner Company Employee>>\",\"\")","v":""},null,{"$f":"IF(Input!D22=\"No\",\"\",Input!D22)","v":""}]
[null,{"$f":"IF(JointLife_Ind=1,\"Gender of the Second Annuitant\",\"\")","v":"Gender of the Second Annuitant"},{"$f":"IF(JointLife_Ind=1,Input!H8,\"\")","v":"Male"},null,{"$f":"IF(Input!D23=\"Yes\",\"<<Eligible for Online Discount>>\",\"\")","v":"<<Eligible for Online Discount>>"},null,{"$f":"IF(Input!D23=\"No\",\"\",Input!D23)","v":"Yes"}]
[null,null,null,null,"GST Rate:",null,{"$f":"Service_Tax","v":0}]
[]
[null,"How to read and understand this benefit illustration?"]
[null,"This benefit illustration is intended to show year-wise premiums payable and benefits under the policy."]
[]
[null,"Annuity Details"]
[null,"Annuity Option:",":",{"$f":"Input!D11","v":"Option 1 - Life Annuity"}]
[null,{"$f":"Input!B17","v":"Level or Increasing Annuity"},{"$f":"IF(B25=\"\",\"\",\":\")","v":":"},{"$f":"IF(OR(Annuity_Option=1,Annuity_Option=3),Input!D17,\"\")","v":"Increasing"}]
[null,{"$f":"Input!B18","v":"Annuity Escalation Rate"},{"$f":"IF(B26=\"\",\"\",\":\")","v":":"},{"$f":"IF(AND(Input!D17=\"Increasing\",OR(Annuity_Option=1,Annuity_Option=3)),Input!D18,\"\")","v":0.03}]
[null,{"$f":"Input!B19","v":""},{"$f":"IF(B27=\"\",\"\",\":\")","v":""},{"$f":"IF(Annuity_Option=2,Input!D19&\" years\",\"\")","v":""}]
[null,{"$f":"Input!B20","v":""},{"$f":"IF(B28=\"\",\"\",\":\")","v":""},{"$f":"IF(Annuity_Option=5,Input!D20,\"\")","v":""}]
[null,{"$f":"Input!B21","v":""},{"$f":"IF(B29=\"\",\"\",\":\")","v":""},{"$f":"IF(Annuity_Option=9,Input!D21,\"\")","v":""},{"$f":"IF(Annuity_Option=9,\"years\",\"\")","v":""}]
[]
[null,"Premium Summary (in Rs.)"]
[null,null,null,"Base Plan"]
[null,"Purchase Price without GST",{"$f":"G11","v":5000000}]
[null,"GST",{"$f":"C33*G18","v":0}]
[null,"Purchase Price with GST",{"$f":"SUM(C33:D34)","v":5000000}]
[]
[]
[null,null,null,"Guaranteed",null,null,null,null,"Non Guaranteed"]
[null,"Policy Year","Single Premium*",{"$f":"IF(OR(Annuity_Option=2,Annuity_Option=4),\"Survival Benefits#\",\"Survival Benefits\")","v":"Survival Benefits"},{"$f":"IF(Annuity_Option=6,\"Critical Illness / Accidental Permanent Disability Benefit#\",IF(Annuity_Option=7,\"Return of Purchase Price on attainment of Age 80 years\",IF(Annuity_Option=9,\"Guaranteed Additions\",\"Other benefits if any\")))","v":"Other benefits if any"},"Maturity Benefit",{"$f":"IF(Annuity_Option=8,\"Death Benefit**\",\"Death Benefit\")","v":"Death Benefit"},"Minimum Guaranteed Surrender Value","Special Surrender Value"]
[null,null,"BOY","EOY","EOY",null,"EOY","EOY","EOY"]
[null,"(1)","(2)","(3)","(4)","(5)","(6)","(7)","(8)"]
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[null,{"$f":"IF('Surrender Factors'!M18=120,B48+1 & \"+\",IF('Surrender Factors'!M18>120,\"\",B48+1))","v":8},0,{"$f":"IFERROR(IF('Surrender Factors'!M18>120,\"\",IF(AND(Annuity_Option=9,B49<=$D$29),0,IF($D$25=\"Increasing\",IF(B49=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N18-1))),Check!$B$36))),0)","v":474131.89823999989},{"$f":"IFERROR(IF('Surrender Factors'!M18>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D49*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M18-1=0,$C$33,0),IF(AND(Annuity_Option=9,B49<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M18>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M18>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B49=1,$C$33,MAX($C$33-SUM($D$41:D48),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M18<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E49)-SUM($D$41:D48)-E49/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M18>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R18-SUM($D$42:D49),0),0))","v":0},{"$f":"IF('Surrender Factors'!M18>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O18*Annual_Ann+'Surrender Factors'!P18*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G49),IF(Annuity_Option=9,MIN('Surrender Factors'!Q18*('Surrender Factors'!O18*(Annual_Ann)+'Surrender Factors'!P18*Output!$C$33),G49),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M18+1=80),0,1))","v":0}]
[null,{"$f":"IF('Surrender Factors'!M19=120,B49+1 & \"+\",IF('Surrender Factors'!M19>120,\"\",B49+1))","v":9},0,{"$f":"IFERROR(IF('Surrender Factors'!M19>120,\"\",IF(AND(Annuity_Option=9,B50<=$D$29),0,IF($D$25=\"Increasing\",IF(B50=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N19-1))),Check!$B$36))),0)","v":485887.2345599999},{"$f":"IFERROR(IF('Surrender Factors'!M19>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D50*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M19-1=0,$C$33,0),IF(AND(Annuity_Option=9,B50<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M19>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M19>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B50=1,$C$33,MAX($C$33-SUM($D$41:D49),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M19<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E50)-SUM($D$41:D49)-E50/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M19>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R19-SUM($D$42:D50),0),0))","v":0},{"$f":"IF('Surrender Factors'!M19>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O19*Annual_Ann+'Surrender Factors'!P19*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G50),IF(Annuity_Option=9,MIN('Surrender Factors'!Q19*('Surrender Factors'!O19*(Annual_Ann)+'Surrender Factors'!P19*Output!$C$33),G50),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M19+1=80),0,1))","v":0}]
[null,{"$f":"IF('Surrender Factors'!M20=120,B50+1 & \"+\",IF('Surrender Factors'!M20>120,\"\",B50+1))","v":10},0,{"$f":"IFERROR(IF('Surrender Factors'!M20>120,\"\",IF(AND(Annuity_Option=9,B51<=$D$29),0,IF($D$25=\"Increasing\",IF(B51=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N20-1))),Check!$B$36))),0)","v":497642.5708799999},{"$f":"IFERROR(IF('Surrender Factors'!M20>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D51*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M20-1=0,$C$33,0),IF(AND(Annuity_Option=9,B51<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M20>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M20>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B51=1,$C$33,MAX($C$33-SUM($D$41:D50),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M20<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E51)-SUM($D$41:D50)-E51/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M20>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R20-SUM($D$42:D51),0),0))","v":0},{"$f":"IF('Surrender Factors'!M20>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O20*Annual_Ann+'Surrender Factors'!P20*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G51),IF(Annuity_Option=9,MIN('Surrender Factors'!Q20*('Surrender Factors'!O20*(Annual_Ann)+'Surrender Factors'!P20*Output!$C$33),G51),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M20+1=80),0,1))","v":0}]
[null,{"$f":"IF('Surrender Factors'!M21=120,B51+1 & \"+\",IF('Surrender Factors'!M21>120,\"\",B51+1))","v":11},0,{"$f":"IFERROR(IF('Surrender Factors'!M21>120,\"\",IF(AND(Annuity_Option=9,B52<=$D$29),0,IF($D$25=\"Increasing\",IF(B52=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N21-1))),Check!$B$36))),0)","v":509397.90719999996},{"$f":"IFERROR(IF('Surrender Factors'!M21>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D52*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M21-1=0,$C$33,0),IF(AND(Annuity_Option=9,B52<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M21>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M21>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B52=1,$C$33,MAX($C$33-SUM($D$41:D51),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M21<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E52)-SUM($D$41:D51)-E52/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M21>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R21-SUM($D$42:D52),0),0))","v":0},{"$f":"IF('Surrender Factors'!M21>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O21*Annual_Ann+'Surrender Factors'!P21*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G52),IF(Annuity_Option=9,MIN('Surrender Factors'!Q21*('Surrender Factors'!O21*(Annual_Ann)+'Surrender Factors'!P21*Output!$C$33),G52),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M21+1=80),0,1))","v":0}]
[null,{"$f":"IF('Surrender Factors'!M22=120,B52+1 & \"+\",IF('Surrender Factors'!M22>120,\"\",B52+1))","v":12},0,{"$f":"IFERROR(IF('Surrender Factors'!M22>120,\"\",IF(AND(Annuity_Option=9,B53<=$D$29),0,IF($D$25=\"Increasing\",IF(B53=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N22-1))),Check!$B$36))),0)","v":521153.24351999996},{"$f":"IFERROR(IF('Surrender Factors'!M22>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D53*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M22-1=0,$C$33,0),IF(AND(Annuity_Option=9,B53<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M22>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M22>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B53=1,$C$33,MAX($C$33-SUM($D$41:D52),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M22<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E53)-SUM($D$41:D52)-E53/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M22>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R22-SUM($D$42:D53),0),0))","v":0},{"$f":"IF('Surrender Factors'!M22>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O22*Annual_Ann+'Surrender Factors'!P22*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G53),IF(Annuity_Option=9,MIN('Surrender Factors'!Q22*('Surrender Factors'!O22*(Annual_Ann)+'Surrender Factors'!P22*Output!$C$33),G53),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M22+1=80),0,1))","v":0}]
[null,{"$f":"IF('Surrender Factors'!M23=120,B53+1 & \"+\",IF('Surrender Factors'!M23>120,\"\",B53+1))","v":13},0,{"$f":"IFERROR(IF('Surrender Factors'!M23>120,\"\",IF(AND(Annuity_Option=9,B54<=$D$29),0,IF($D$25=\"Increasing\",IF(B54=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N23-1))),Check!$B$36))),0)","v":532908.5798399999},{"$f":"IFERROR(IF('Surrender Factors'!M23>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D54*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M23-1=0,$C$33,0),IF(AND(Annuity_Option=9,B54<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M23>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M23>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B54=1,$C$33,MAX($C$33-SUM($D$41:D53),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M23<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E54)-SUM($D$41:D53)-E54/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M23>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R23-SUM($D$42:D54),0),0))","v":0},{"$f":"IF('Surrender Factors'!M23>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O23*Annual_Ann+'Surrender Factors'!P23*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G54),IF(Annuity_Option=9,MIN('Surrender Factors'!Q23*('Surrender Factors'!O23*(Annual_Ann)+'Surrender Factors'!P23*Output!$C$33),G54),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M23+1=80),0,1))","v":0}]
[null,{"$f":"IF('Surrender Factors'!M24=120,B54+1 & \"+\",IF('Surrender Factors'!M24>120,\"\",B54+1))","v":14},0,{"$f":"IFERROR(IF('Surrender Factors'!M24>120,\"\",IF(AND(Annuity_Option=9,B55<=$D$29),0,IF($D$25=\"Increasing\",IF(B55=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N24-1))),Check!$B$36))),0)","v":544663.91615999991},{"$f":"IFERROR(IF('Surrender Factors'!M24>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D55*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M24-1=0,$C$33,0),IF(AND(Annuity_Option=9,B55<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M24>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M24>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B55=1,$C$33,MAX($C$33-SUM($D$41:D54),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M24<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E55)-SUM($D$41:D54)-E55/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M24>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R24-SUM($D$42:D55),0),0))","v":0},{"$f":"IF('Surrender Factors'!M24>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O24*Annual_Ann+'Surrender Factors'!P24*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G55),IF(Annuity_Option=9,MIN('Surrender Factors'!Q24*('Surrender Factors'!O24*(Annual_Ann)+'Surrender Factors'!P24*Output!$C$33),G55),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M24+1=80),0,1))","v":0}]
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[null,{"$f":"IF('Surrender Factors'!M28=120,B58+1 & \"+\",IF('Surrender Factors'!M28>120,\"\",B58+1))","v":18},0,{"$f":"IFERROR(IF('Surrender Factors'!M28>120,\"\",IF(AND(Annuity_Option=9,B59<=$D$29),0,IF($D$25=\"Increasing\",IF(B59=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N28-1))),Check!$B$36))),0)","v":591685.26143999991},{"$f":"IFERROR(IF('Surrender Factors'!M28>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D59*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M28-1=0,$C$33,0),IF(AND(Annuity_Option=9,B59<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M28>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M28>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B59=1,$C$33,MAX($C$33-SUM($D$41:D58),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M28<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E59)-SUM($D$41:D58)-E59/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M28>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R28-SUM($D$42:D59),0),0))","v":0},{"$f":"IF('Surrender Factors'!M28>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O28*Annual_Ann+'Surrender Factors'!P28*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G59),IF(Annuity_Option=9,MIN('Surrender Factors'!Q28*('Surrender Factors'!O28*(Annual_Ann)+'Surrender Factors'!P28*Output!$C$33),G59),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M28+1=80),0,1))","v":0}]
[null,{"$f":"IF('Surrender Factors'!M29=120,B59+1 & \"+\",IF('Surrender Factors'!M29>120,\"\",B59+1))","v":19},0,{"$f":"IFERROR(IF('Surrender Factors'!M29>120,\"\",IF(AND(Annuity_Option=9,B60<=$D$29),0,IF($D$25=\"Increasing\",IF(B60=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N29-1))),Check!$B$36))),0)","v":603440.59775999992},{"$f":"IFERROR(IF('Surrender Factors'!M29>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D60*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M29-1=0,$C$33,0),IF(AND(Annuity_Option=9,B60<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M29>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M29>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B60=1,$C$33,MAX($C$33-SUM($D$41:D59),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M29<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E60)-SUM($D$41:D59)-E60/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M29>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R29-SUM($D$42:D60),0),0))","v":0},{"$f":"IF('Surrender Factors'!M29>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O29*Annual_Ann+'Surrender Factors'!P29*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G60),IF(Annuity_Option=9,MIN('Surrender Factors'!Q29*('Surrender Factors'!O29*(Annual_Ann)+'Surrender Factors'!P29*Output!$C$33),G60),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M29+1=80),0,1))","v":0}]
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[null,{"$f":"IF('Surrender Factors'!M54=120,B84+1 & \"+\",IF('Surrender Factors'!M54>120,\"\",B84+1))","v":44},0,{"$f":"IFERROR(IF('Surrender Factors'!M54>120,\"\",IF(AND(Annuity_Option=9,B85<=$D$29),0,IF($D$25=\"Increasing\",IF(B85=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N54-1))),Check!$B$36))),0)","v":897324.00575999985},{"$f":"IFERROR(IF('Surrender Factors'!M54>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D85*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M54-1=0,$C$33,0),IF(AND(Annuity_Option=9,B85<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M54>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M54>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B85=1,$C$33,MAX($C$33-SUM($D$41:D84),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M54<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E85)-SUM($D$41:D84)-E85/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M54>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R54-SUM($D$42:D85),0),0))","v":0},{"$f":"IF('Surrender Factors'!M54>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O54*Annual_Ann+'Surrender Factors'!P54*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G85),IF(Annuity_Option=9,MIN('Surrender Factors'!Q54*('Surrender Factors'!O54*(Annual_Ann)+'Surrender Factors'!P54*Output!$C$33),G85),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M54+1=80),0,1))","v":0}]
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[null,{"$f":"IF('Surrender Factors'!M56=120,B86+1 & \"+\",IF('Surrender Factors'!M56>120,\"\",B86+1))","v":46},0,{"$f":"IFERROR(IF('Surrender Factors'!M56>120,\"\",IF(AND(Annuity_Option=9,B87<=$D$29),0,IF($D$25=\"Increasing\",IF(B87=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N56-1))),Check!$B$36))),0)","v":920834.67839999974},{"$f":"IFERROR(IF('Surrender Factors'!M56>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D87*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M56-1=0,$C$33,0),IF(AND(Annuity_Option=9,B87<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M56>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M56>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B87=1,$C$33,MAX($C$33-SUM($D$41:D86),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M56<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E87)-SUM($D$41:D86)-E87/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M56>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R56-SUM($D$42:D87),0),0))","v":0},{"$f":"IF('Surrender Factors'!M56>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O56*Annual_Ann+'Surrender Factors'!P56*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G87),IF(Annuity_Option=9,MIN('Surrender Factors'!Q56*('Surrender Factors'!O56*(Annual_Ann)+'Surrender Factors'!P56*Output!$C$33),G87),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M56+1=80),0,1))","v":0}]
[null,{"$f":"IF('Surrender Factors'!M57=120,B87+1 & \"+\",IF('Surrender Factors'!M57>120,\"\",B87+1))","v":47},0,{"$f":"IFERROR(IF('Surrender Factors'!M57>120,\"\",IF(AND(Annuity_Option=9,B88<=$D$29),0,IF($D$25=\"Increasing\",IF(B88=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N57-1))),Check!$B$36))),0)","v":932590.01471999986},{"$f":"IFERROR(IF('Surrender Factors'!M57>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D88*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M57-1=0,$C$33,0),IF(AND(Annuity_Option=9,B88<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":0},{"$f":"IF('Surrender Factors'!M57>120,\"\",0)","v":0},{"$f":"IF('Surrender Factors'!M57>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B88=1,$C$33,MAX($C$33-SUM($D$41:D87),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M57<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E88)-SUM($D$41:D87)-E88/12),$C$33))))))","v":0},{"$f":"IF('Surrender Factors'!M57>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R57-SUM($D$42:D88),0),0))","v":0},{"$f":"IF('Surrender Factors'!M57>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O57*Annual_Ann+'Surrender Factors'!P57*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G88),IF(Annuity_Option=9,MIN('Surrender Factors'!Q57*('Surrender Factors'!O57*(Annual_Ann)+'Surrender Factors'!P57*Output!$C$33),G88),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M57+1=80),0,1))","v":0}]
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[null,{"$f":"IF('Surrender Factors'!M74=120,B104+1 & \"+\",IF('Surrender Factors'!M74>120,\"\",B104+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M74>120,\"\",IF(AND(Annuity_Option=9,B105<=$D$29),0,IF($D$25=\"Increasing\",IF(B105=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N74-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M74>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D105*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M74-1=0,$C$33,0),IF(AND(Annuity_Option=9,B105<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M74>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M74>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B105=1,$C$33,MAX($C$33-SUM($D$41:D104),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M74<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E105)-SUM($D$41:D104)-E105/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M74>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R74-SUM($D$42:D105),0),0))","v":""},{"$f":"IF('Surrender Factors'!M74>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O74*Annual_Ann+'Surrender Factors'!P74*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G105),IF(Annuity_Option=9,MIN('Surrender Factors'!Q74*('Surrender Factors'!O74*(Annual_Ann)+'Surrender Factors'!P74*Output!$C$33),G105),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M74+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M75=120,B105+1 & \"+\",IF('Surrender Factors'!M75>120,\"\",B105+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M75>120,\"\",IF(AND(Annuity_Option=9,B106<=$D$29),0,IF($D$25=\"Increasing\",IF(B106=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N75-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M75>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D106*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M75-1=0,$C$33,0),IF(AND(Annuity_Option=9,B106<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M75>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M75>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B106=1,$C$33,MAX($C$33-SUM($D$41:D105),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M75<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E106)-SUM($D$41:D105)-E106/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M75>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R75-SUM($D$42:D106),0),0))","v":""},{"$f":"IF('Surrender Factors'!M75>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O75*Annual_Ann+'Surrender Factors'!P75*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G106),IF(Annuity_Option=9,MIN('Surrender Factors'!Q75*('Surrender Factors'!O75*(Annual_Ann)+'Surrender Factors'!P75*Output!$C$33),G106),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M75+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M76=120,B106+1 & \"+\",IF('Surrender Factors'!M76>120,\"\",B106+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M76>120,\"\",IF(AND(Annuity_Option=9,B107<=$D$29),0,IF($D$25=\"Increasing\",IF(B107=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N76-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M76>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D107*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M76-1=0,$C$33,0),IF(AND(Annuity_Option=9,B107<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M76>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M76>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B107=1,$C$33,MAX($C$33-SUM($D$41:D106),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M76<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E107)-SUM($D$41:D106)-E107/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M76>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R76-SUM($D$42:D107),0),0))","v":""},{"$f":"IF('Surrender Factors'!M76>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O76*Annual_Ann+'Surrender Factors'!P76*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G107),IF(Annuity_Option=9,MIN('Surrender Factors'!Q76*('Surrender Factors'!O76*(Annual_Ann)+'Surrender Factors'!P76*Output!$C$33),G107),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M76+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M77=120,B107+1 & \"+\",IF('Surrender Factors'!M77>120,\"\",B107+1))","v":""},{"$f":"IF(B108=\"\",\"\",0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M77>120,\"\",IF(AND(Annuity_Option=9,B108<=$D$29),0,IF($D$25=\"Increasing\",IF(B108=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N77-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M77>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D108*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M77-1=0,$C$33,0),IF(AND(Annuity_Option=9,B108<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M77>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M77>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B108=1,$C$33,MAX($C$33-SUM($D$41:D107),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M77<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E108)-SUM($D$41:D107)-E108/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M77>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R77-SUM($D$42:D108),0),0))","v":""},{"$f":"IF('Surrender Factors'!M77>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O77*Annual_Ann+'Surrender Factors'!P77*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G108),IF(Annuity_Option=9,MIN('Surrender Factors'!Q77*('Surrender Factors'!O77*(Annual_Ann)+'Surrender Factors'!P77*Output!$C$33),G108),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M77+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M78=120,B108+1 & \"+\",IF('Surrender Factors'!M78>120,\"\",B108+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M78>120,\"\",IF(AND(Annuity_Option=9,B109<=$D$29),0,IF($D$25=\"Increasing\",IF(B109=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N78-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M78>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D109*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M78-1=0,$C$33,0),IF(AND(Annuity_Option=9,B109<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M78>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M78>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B109=1,$C$33,MAX($C$33-SUM($D$41:D108),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M78<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E109)-SUM($D$41:D108)-E109/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M78>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R78-SUM($D$42:D109),0),0))","v":""},{"$f":"IF('Surrender Factors'!M78>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O78*Annual_Ann+'Surrender Factors'!P78*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G109),IF(Annuity_Option=9,MIN('Surrender Factors'!Q78*('Surrender Factors'!O78*(Annual_Ann)+'Surrender Factors'!P78*Output!$C$33),G109),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M78+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M79=120,B109+1 & \"+\",IF('Surrender Factors'!M79>120,\"\",B109+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M79>120,\"\",IF(AND(Annuity_Option=9,B110<=$D$29),0,IF($D$25=\"Increasing\",IF(B110=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N79-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M79>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D110*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M79-1=0,$C$33,0),IF(AND(Annuity_Option=9,B110<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M79>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M79>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B110=1,$C$33,MAX($C$33-SUM($D$41:D109),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M79<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E110)-SUM($D$41:D109)-E110/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M79>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R79-SUM($D$42:D110),0),0))","v":""},{"$f":"IF('Surrender Factors'!M79>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O79*Annual_Ann+'Surrender Factors'!P79*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G110),IF(Annuity_Option=9,MIN('Surrender Factors'!Q79*('Surrender Factors'!O79*(Annual_Ann)+'Surrender Factors'!P79*Output!$C$33),G110),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M79+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M80=120,B110+1 & \"+\",IF('Surrender Factors'!M80>120,\"\",B110+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M80>120,\"\",IF(AND(Annuity_Option=9,B111<=$D$29),0,IF($D$25=\"Increasing\",IF(B111=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N80-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M80>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D111*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M80-1=0,$C$33,0),IF(AND(Annuity_Option=9,B111<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M80>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M80>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B111=1,$C$33,MAX($C$33-SUM($D$41:D110),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M80<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E111)-SUM($D$41:D110)-E111/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M80>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R80-SUM($D$42:D111),0),0))","v":""},{"$f":"IF('Surrender Factors'!M80>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O80*Annual_Ann+'Surrender Factors'!P80*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G111),IF(Annuity_Option=9,MIN('Surrender Factors'!Q80*('Surrender Factors'!O80*(Annual_Ann)+'Surrender Factors'!P80*Output!$C$33),G111),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M80+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M81=120,B111+1 & \"+\",IF('Surrender Factors'!M81>120,\"\",B111+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M81>120,\"\",IF(AND(Annuity_Option=9,B112<=$D$29),0,IF($D$25=\"Increasing\",IF(B112=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N81-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M81>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D112*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M81-1=0,$C$33,0),IF(AND(Annuity_Option=9,B112<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M81>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M81>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B112=1,$C$33,MAX($C$33-SUM($D$41:D111),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M81<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E112)-SUM($D$41:D111)-E112/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M81>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R81-SUM($D$42:D112),0),0))","v":""},{"$f":"IF('Surrender Factors'!M81>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O81*Annual_Ann+'Surrender Factors'!P81*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G112),IF(Annuity_Option=9,MIN('Surrender Factors'!Q81*('Surrender Factors'!O81*(Annual_Ann)+'Surrender Factors'!P81*Output!$C$33),G112),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M81+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M82=120,B112+1 & \"+\",IF('Surrender Factors'!M82>120,\"\",B112+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M82>120,\"\",IF(AND(Annuity_Option=9,B113<=$D$29),0,IF($D$25=\"Increasing\",IF(B113=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N82-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M82>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D113*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M82-1=0,$C$33,0),IF(AND(Annuity_Option=9,B113<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M82>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M82>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B113=1,$C$33,MAX($C$33-SUM($D$41:D112),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M82<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E113)-SUM($D$41:D112)-E113/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M82>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R82-SUM($D$42:D113),0),0))","v":""},{"$f":"IF('Surrender Factors'!M82>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O82*Annual_Ann+'Surrender Factors'!P82*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G113),IF(Annuity_Option=9,MIN('Surrender Factors'!Q82*('Surrender Factors'!O82*(Annual_Ann)+'Surrender Factors'!P82*Output!$C$33),G113),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M82+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M83=120,B113+1 & \"+\",IF('Surrender Factors'!M83>120,\"\",B113+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M83>120,\"\",IF(AND(Annuity_Option=9,B114<=$D$29),0,IF($D$25=\"Increasing\",IF(B114=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N83-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M83>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D114*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M83-1=0,$C$33,0),IF(AND(Annuity_Option=9,B114<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M83>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M83>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B114=1,$C$33,MAX($C$33-SUM($D$41:D113),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M83<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E114)-SUM($D$41:D113)-E114/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M83>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R83-SUM($D$42:D114),0),0))","v":""},{"$f":"IF('Surrender Factors'!M83>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O83*Annual_Ann+'Surrender Factors'!P83*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G114),IF(Annuity_Option=9,MIN('Surrender Factors'!Q83*('Surrender Factors'!O83*(Annual_Ann)+'Surrender Factors'!P83*Output!$C$33),G114),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M83+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M84=120,B114+1 & \"+\",IF('Surrender Factors'!M84>120,\"\",B114+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M84>120,\"\",IF(AND(Annuity_Option=9,B115<=$D$29),0,IF($D$25=\"Increasing\",IF(B115=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N84-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M84>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D115*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M84-1=0,$C$33,0),IF(AND(Annuity_Option=9,B115<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M84>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M84>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B115=1,$C$33,MAX($C$33-SUM($D$41:D114),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M84<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E115)-SUM($D$41:D114)-E115/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M84>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R84-SUM($D$42:D115),0),0))","v":""},{"$f":"IF('Surrender Factors'!M84>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O84*Annual_Ann+'Surrender Factors'!P84*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G115),IF(Annuity_Option=9,MIN('Surrender Factors'!Q84*('Surrender Factors'!O84*(Annual_Ann)+'Surrender Factors'!P84*Output!$C$33),G115),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M84+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M85=120,B115+1 & \"+\",IF('Surrender Factors'!M85>120,\"\",B115+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M85>120,\"\",IF(AND(Annuity_Option=9,B116<=$D$29),0,IF($D$25=\"Increasing\",IF(B116=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N85-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M85>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D116*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M85-1=0,$C$33,0),IF(AND(Annuity_Option=9,B116<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M85>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M85>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B116=1,$C$33,MAX($C$33-SUM($D$41:D115),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M85<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E116)-SUM($D$41:D115)-E116/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M85>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R85-SUM($D$42:D116),0),0))","v":""},{"$f":"IF('Surrender Factors'!M85>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O85*Annual_Ann+'Surrender Factors'!P85*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G116),IF(Annuity_Option=9,MIN('Surrender Factors'!Q85*('Surrender Factors'!O85*(Annual_Ann)+'Surrender Factors'!P85*Output!$C$33),G116),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M85+1=80),0,1))","v":""}]
[null,{"$f":"IF('Surrender Factors'!M86=120,B116+1 & \"+\",IF('Surrender Factors'!M86>120,\"\",B116+1))","v":""},"",{"$f":"IFERROR(IF('Surrender Factors'!M86>120,\"\",IF(AND(Annuity_Option=9,B117<=$D$29),0,IF($D$25=\"Increasing\",IF(B117=1,Check!$B$36,Check!$B$36*(1+Output!$D$26*('Surrender Factors'!N86-1))),Check!$B$36))),0)","v":""},{"$f":"IFERROR(IF('Surrender Factors'!M86>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4,Annuity_Option=5,Annuity_Option=10),0,IF(Annuity_Option=6,D117*50%,IF(Annuity_Option=7,IF(80-'Surrender Factors'!M86-1=0,$C$33,0),IF(AND(Annuity_Option=9,B117<=$D$29),Check!$B$46*$G$13*VLOOKUP(Payout_Mode,Check!$X$3:$Z$6,3,0),0))))),0)","v":""},{"$f":"IF('Surrender Factors'!M86>120,\"\",0)","v":""},{"$f":"IF('Surrender Factors'!M86>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=4),0,IF(Annuity_Option=3,IF(B117=1,$C$33,MAX($C$33-SUM($D$41:D116),0)),IF(Annuity_Option=5,$C$33*$D$28,IF(Annuity_Option=7,IF('Surrender Factors'!M86<80,$C$33,0),IF(Annuity_Option=9,MAX(110%*$C$33,$C$33+SUM($E$42:E117)-SUM($D$41:D116)-E117/12),$C$33))))))","v":""},{"$f":"IF('Surrender Factors'!M86>120,\"\",IF(Annuity_Option=9,MAX($C$33*'Surrender Factors'!R86-SUM($D$42:D117),0),0))","v":""},{"$f":"IF('Surrender Factors'!M86>120,\"\",IF(OR(Annuity_Option=1,Annuity_Option=2,Annuity_Option=3,Annuity_Option=4),0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=10),MIN('Surrender Factors'!O86*Annual_Ann+'Surrender Factors'!P86*Output!$C$33*IF(Annuity_Option=5,Output!$D$28,1),G117),IF(Annuity_Option=9,MIN('Surrender Factors'!Q86*('Surrender Factors'!O86*(Annual_Ann)+'Surrender Factors'!P86*Output!$C$33),G117),0)))*IF(AND(Annuity_Option=7,'Surrender Factors'!M86+1=80),0,1))","v":""}]
[null,"\"BOY\" = refers to cash flows payable at the \"Beginning Of the Year\", \"EOY\"  = refers to cash flows payable at the 'End Of the Year\""]
[null,"Some benefits are guaranteed and some are non-guaranteed under this plan. The guaranteed and non-guaranteed benefits have been clearly marked \"Guaranteed\" and \"Non-Guaranteed\" respectively in the above illustration"]
[null,"Notes:"]
[null,"- *Single premium / Purchase Price is the Premium paid by the Policyholder to secure the benefits under the policy excluding any taxes."]
[null,"- The Survival benefits (Annuity Income) will be payable in arrears as per the frequency chosen."]
[null,"- The Annuity or Purchase Price provided above is only indicative based on current annuity rates.The Annuity or Purchase Price will be calculated based on the Annuity Rates applicable as on the date of purchase of annuity."]
[null,"- This plan doesn't have any Maturity Benefit."]
[null,{"$f":"IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=7,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),\"- Surrender value may be revised depending on the prevailing market conditions.\",\"\")","v":""}]
[null,{"$f":"IF(Annuity_Option=2,\"- # The Annuity is guaranteed during the Annuity Certain Period chosen by the Policyholder, and thereafter the Annuity shall continue for as long as the Annuitant is alive.\",\"\")","v":""}]
[null,{"$f":"IF(Annuity_Option=4,CONCATENATE(\"- # If Primary Annuitant predeceases the Secondary Annuitant, 50% of Annuity will be payable in arrears for as long as the Secondary Annuitant is alive.\",\" If the Secondary Annuitant predeceases the Primary Annuitant, 100% of Annuity shall continue to be payable in arrears for as long as the Primary Annuitant is alive.\"),\"\")","v":""}]
[null,{"$f":"IF(Annuity_Option=8,CONCATENATE(\"- ** On the first death of the Primary or the Secondary Annuitant, a lump-sum amount equal to 50% of the Purchase Price will be paid to the surviving Annuitant.\",\" On death of the last surviving Annuitant, remaining balance of 50% of the Purchase Price is paid to nominee/ legal heirs in lump-sum.\"),\"\")","v":""}]
[null,{"$f":"IF(Annuity_Option=6,\"- #Applicable only on first occurrence of  42 specified CI/APD before the attained age of 70 years of Annuitant. Please refer product brochure for more details.\",\"\")","v":""}]
[]
[null,"- The above information must be read in conjunction with the product brochure and policy document. "]
[null,"- GST would be levied as per applicable tax laws."]
[]
[null,"I, ….........., have explained the premiums, and benefits under the product fully ",null,null,null,"I, ….........., having received the information with respect to the above, have understood the above "]
[null,"to the prospect/policyholder.",null,null,null,"statement before entering into the contract. "]
[null,"Place:"]
[null,"Date:",null,null,null,"Date:"]
[null,"____________________________",null,null,null,"____________________________"]
[null,"Signature of Agent/Intermediary/ Official",null,null,null,"Signature of Prospect/Policyholder"]
[]
[]
[]
[null,"Prepared for: Dear Valued Client",null,null,null,null,null,null,"Page 1"]
[]
[null,"For further details please refer to the product brochure. "]
[]
[null,null,null,null,"Aditya Birla Sun Life Insurance Company Limited  Reg. No. 109"]

{"sheet":"Single Life","index":5,"n_rows":217,"n_cols":44,"rows_kept":217,"cut":false,"hidden":true,"merged":[[6,1,7,2],[6,33,7,33],[6,38,7,38],[113,1,114,2],[113,33,114,33],[113,38,114,38]]}
["ABSLI Guaranteed Annuity Plus"]
[]
["Single Life Annuity Rate Table"]
["(Rates are per 1 Lakh of Purchase Price)"]
[]
[null,"Rate1 -->",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate1 -->",null,null,null,null,"Rate1 -->"]
[null,"Issue Age",null,"Annuity Option -->",1,1,1,2,2,2,2,3,3,3,5,5,5,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,null,"Issue Age","Annuity Option -->",6,7,null,"Issue Age","Annuity Option -->",6,7,null,10]
[null,null,null,"Annuity Option Name-->","Life Annuity","Life Annuity","Life Annuity","Annuity Certain for a specified period and thereafter for Life","Annuity Certain for a specified period and thereafter for Life","Annuity Certain for a specified period and thereafter for Life","Annuity Certain for a specified period and thereafter for Life","Life Annuity with return of Balance of Purchase Price","Life Annuity with return of Balance of Purchase Price","Life Annuity with return of Balance of Purchase Price","Life Annuity with Return of Purchase Price ","Life Annuity with Return of Purchase Price ","Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Purchase Price ",null,null,"Annuity Option Name-->","Life Annuity with enhanced Annuity on Critical Illness/ Accidental Permanent Disability and with Return of Purchase Price","Life Annuity with Return of Purchase Price on attainment of Age 80 years",null,null,"Annuity Option Name-->","Life Annuity with enhanced Annuity on Critical Illness/ Accidental Permanent Disability and with Return of Purchase Price","Life Annuity with Return of Purchase Price on attainment of Age 80 years",null,"Option 10 - NPS - Family Income"]
[null,"Male/ Transgender Lives","Female Lives","Policy\n Paramaters -->","Level","Annuity Escalation Rate - 3% ","Annuity Escalation Rate - 5% ","Annuity Certain Period - 5 years","Annuity Certain Period - 10 years","Annuity Certain Period - 15 years","Annuity Certain Period - 20 years","Level","Annuity Escalation Rate - 3% ","Annuity Escalation Rate - 5% ","RoP Percentage - 100%","RoP Percentage - 75%","RoP Percentage - 50%","Deferment Period 1","Deferment Period 2","Deferment Period 3","Deferment Period 4","Deferment Period 5","Deferment Period 6","Deferment Period 7","Deferment Period 8","Deferment Period 9","Deferment Period 10","Deferment Period 11","Deferment Period 12","Deferment Period 13","Deferment Period 14","Deferment Period 15",null,"Male/ Transgender Lives","Policy\n Paramaters -->",null,null,null,"Female Lives","Policy\n Paramaters -->",null,null,null,"RoP Percentage - 100%"]
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[null,1,4,null,5928,4099,3400,5926,5923,5923,5921,5914,4092,3394,5886,5897,5910,6416,6822,7163,7615,8227,8685,9277,9701,10366,10840,11563,12447,13386,14384,15448,null,1,null,"NA",5541,null,1,null,"NA",5541,null,6078]
[null,2,5,null,5931,4103,3406,5931,5929,5928,5924,5923,4097,3398,5896,5907,5918,6417,6823,7166,7616,8229,8687,9280,9706,10371,10845,11569,12453,13395,14393,15457,null,2,null,"NA",5552,null,2,null,"NA",5541,null,6089]
[null,3,6,null,5936,4109,3410,5936,5934,5932,5930,5928,4102,3404,5900,5913,5923,6418,6824,7168,7619,8231,8690,9282,9710,10375,10851,11575,12459,13403,14399,15465,null,3,null,"NA",5558,null,3,null,"NA",5541,null,6093]
[null,4,7,null,5942,4117,3414,5942,5941,5940,5936,5934,4109,3410,5910,5919,5929,6418,6825,7169,7621,8233,8694,9286,9714,10379,10854,11581,12465,13407,14406,15472,null,4,null,"NA",5563,null,4,null,"NA",5541,null,6102]
[null,5,8,null,5950,4121,3421,5950,5949,5946,5943,5941,4117,3414,5914,5923,5936,6419,6827,7170,7621,8235,8696,9290,9718,10383,10858,11583,12470,13412,14411,15478,null,5,null,"NA",5567,null,5,null,"NA",5552,null,6108]
[null,6,9,null,5953,4127,3428,5953,5952,5951,5951,5949,4121,3422,5920,5931,5942,6420,6828,7170,7623,8237,8698,9292,9719,10385,10860,11587,12474,13416,14418,15484,null,6,null,"NA",5576,null,6,null,"NA",5558,null,6114]
[null,7,10,null,5960,4136,3434,5960,5959,5957,5954,5952,4127,3428,5923,5937,5949,6421,6829,7172,7624,8238,8700,9294,9722,10388,10863,11590,12477,13421,14423,15491,null,7,null,"NA",5580,null,7,null,"NA",5563,null,6118]
[null,8,11,null,5972,4142,3441,5972,5970,5967,5960,5957,4135,3434,5932,5943,5952,6424,6830,7173,7625,8240,8702,9296,9724,10391,10867,11595,12481,13427,14428,15498,null,8,null,"NA",5586,null,8,null,"NA",5567,null,6126]
[null,9,12,null,5978,4152,3450,5978,5976,5974,5972,5967,4141,3439,5939,5951,5959,6425,6831,7174,7626,8242,8704,9299,9727,10394,10871,11600,12488,13433,14435,15506,null,9,null,"NA",5591,null,9,null,"NA",5576,null,6134]
[null,10,13,null,5987,4159,3458,5986,5984,5981,5977,5974,4150,3447,5948,5955,5969,6426,6832,7175,7627,8243,8705,9301,9730,10398,10874,11603,12492,13439,14444,15515,null,10,null,"NA",5600,null,10,null,"NA",5580,null,6141]
[null,11,14,null,5996,4169,3465,5995,5993,5988,5984,5979,4156,3455,5952,5964,5975,6426,6833,7176,7628,8245,8707,9303,9733,10403,10878,11608,12498,13446,14452,15526,null,11,null,"NA",5606,null,11,null,"NA",5586,null,6146]
[null,12,15,null,6004,4179,3474,6004,6001,5997,5993,5987,4164,3462,5959,5972,5981,6427,6834,7177,7630,8247,8710,9306,9736,10406,10884,11614,12505,13454,14461,15536,null,12,null,"NA",5614,null,12,null,"NA",5591,null,6155]
[null,13,16,null,6012,4186,3483,6012,6010,6004,6001,5995,4174,3469,5969,5978,5990,6428,6835,7178,7633,8249,8712,9311,9740,10410,10889,11619,12512,13463,14471,15550,null,13,null,"NA",5618,null,13,null,"NA",5600,null,6164]
[null,14,17,null,6024,4198,3493,6022,6017,6012,6010,6002,4181,3477,5975,5987,5997,6430,6835,7179,7635,8251,8715,9314,9743,10415,10895,11626,12521,13475,14485,15562,null,14,null,"NA",5634,null,14,null,"NA",5606,null,6171]
[null,15,18,null,6031,4206,3499,6031,6028,6024,6017,6011,4191,3486,5985,5995,6006,6431,6836,7180,7636,8253,8718,9317,9749,10420,10901,11634,12529,13484,14496,15578,null,15,null,"NA",5634,null,15,null,"NA",5614,null,6181]
[null,16,19,null,6041,4218,3511,6040,6036,6031,6027,6021,4200,3495,5993,6004,6014,6432,6837,7181,7638,8257,8723,9321,9753,10425,10908,11641,12540,13496,14508,15593,null,16,null,"NA",5631,null,16,null,"NA",5618,null,6190]
[null,17,20,null,6053,4227,3520,6053,6047,6040,6036,6029,4210,3505,6002,6012,6025,6433,6838,7182,7640,8259,8726,9325,9759,10433,10915,11652,12550,13508,14525,15610,null,17,null,"NA",5629,null,17,null,"NA",5620,null,6198]
[null,18,21,null,6061,4239,3531,6060,6056,6053,6047,6038,4220,3514,6012,6024,6032,6434,6840,7184,7642,8262,8730,9329,9764,10439,10923,11660,12561,13521,14541,15629,null,18,null,5261,5624,null,18,null,5255,5617,null,6209]
[null,19,22,null,6072,4251,3540,6071,6067,6061,6056,6050,4232,3525,6022,6031,6043,6435,6841,7185,7644,8265,8734,9334,9770,10447,10932,11670,12573,13536,14557,15648,null,19,null,5258,5622,null,19,null,5253,5615,null,6219]
[null,20,23,null,6084,4261,3553,6083,6078,6072,6067,6058,4241,3535,6031,6043,6054,6436,6842,7187,7645,8268,8737,9339,9776,10455,10940,11681,12588,13552,14575,15667,null,20,null,5255,5618,null,20,null,5247,5614,null,6228]
[null,21,24,null,6095,4275,3564,6093,6089,6084,6078,6071,4255,3548,6043,6054,6066,6437,6844,7188,7647,8272,8742,9344,9782,10461,10948,11693,12599,13567,14593,15688,null,21,null,5253,5615,null,21,null,5245,5609,null,6241]
[null,22,25,null,6108,4288,3576,6107,6101,6095,6090,6083,4267,3558,6055,6067,6076,6438,6845,7190,7650,8275,8746,9350,9789,10471,10960,11705,12614,13584,14613,15711,null,22,null,5247,5614,null,22,null,5240,5606,null,6254]
[null,23,26,null,6122,4301,3590,6117,6113,6108,6102,6094,4280,3571,6069,6078,6089,6440,6846,7191,7652,8278,8749,9356,9796,10479,10970,11716,12628,13602,14632,15733,null,23,null,5244,5611,null,23,null,5235,5602,null,6267]
[null,24,27,null,6133,4315,3603,6131,6128,6122,6113,6107,4293,3584,6079,6090,6125,6441,6847,7193,7657,8281,8754,9362,9804,10488,10980,11732,12645,13619,14654,15757,null,24,null,5239,5606,null,24,null,5233,5596,null,6278]
[null,25,28,null,6147,4331,3617,6145,6140,6134,6130,6122,4309,3597,6094,6105,6179,6442,6848,7194,7659,8285,8759,9368,9812,10498,10992,11743,12662,13638,14675,15782,null,25,null,5234,5602,null,25,null,5227,5591,null,6293]
[null,26,29,null,6163,4345,3632,6161,6156,6149,6142,6133,4322,3612,6107,6117,6234,6443,6848,7196,7661,8290,8765,9375,9819,10508,11006,11757,12677,13657,14697,15806,null,26,null,5229,5596,null,26,null,5221,5587,null,6307]
[null,27,30,null,6178,4362,3647,6175,6170,6165,6158,6149,4339,3627,6124,6132,6286,6445,6849,7197,7664,8294,8771,9382,9829,10518,11016,11773,12694,13678,14719,15831,null,27,null,5222,5589,null,27,null,5217,5581,null,6324]
[null,28,31,null,6194,4379,3665,6191,6187,6180,6171,6165,4357,3642,6133,6149,6340,6445,6850,7198,7666,8298,8777,9390,9837,10529,11028,11788,12713,13699,14743,15856,null,28,null,5218,5586,null,28,null,5212,5576,null,6334]
[null,29,32,null,6212,4396,3681,6208,6203,6197,6188,6181,4374,3659,6134,6165,6396,6446,6852,7200,7667,8303,8781,9398,9848,10542,11043,11804,12730,13719,14766,15880,null,29,null,5210,5580,null,29,null,5205,5566,null,6336]
[null,30,33,null,6228,4419,3698,6226,6221,6215,6206,6198,4392,3677,6135,6183,6451,6447,6853,7201,7670,8306,8788,9405,9856,10553,11056,11820,12749,13739,14788,15904,null,30,null,5204,5573,null,30,null,5198,5560,null,6337]
[null,31,34,null,6249,4437,3720,6246,6241,6234,6222,6216,4412,3694,6137,6200,6459,6448,6853,7203,7672,8312,8795,9413,9867,10566,11068,11835,12767,13761,14812,15927,null,31,null,5197,5564,null,31,null,5190,5553,null,6339]
[null,32,35,null,6270,4459,3739,6267,6260,6253,6243,6234,4430,3715,6137,6218,6467,6449,6854,7203,7676,8317,8800,9421,9877,10577,11083,11852,12786,13782,14833,15951,null,32,null,5189,5558,null,32,null,5184,5542,null,6339]
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[null,34,37,null,6313,4504,3783,6312,6306,6295,6283,6274,4473,3756,6140,6250,6486,6452,6856,7205,7681,8325,8814,9439,9897,10601,11111,11883,12823,13823,14878,15996,null,34,null,5171,5539,null,34,null,5166,5524,null,6340]
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[null,36,39,null,6364,4558,3832,6360,6354,6340,6328,6320,4522,3797,6142,6258,6507,6454,6858,7207,7686,8337,8828,9455,9919,10628,11139,11915,12860,13860,14919,16039,null,36,null,5150,5524,null,36,null,5149,5509,null,6342]
[null,37,40,null,6392,4585,3857,6389,6380,6367,6353,6340,4545,3822,6144,6264,6519,6455,6859,7208,7689,8340,8834,9464,9929,10641,11153,11932,12877,13879,14939,16059,null,37,null,5137,5520,null,37,null,5137,5503,null,6345]
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[null,39,42,null,6450,4645,3915,6447,6436,6421,6401,6393,4598,3873,6146,6274,6544,6458,6862,7208,7694,8349,8848,9483,9952,10668,11181,11962,12911,13915,14976,16095,null,39,null,5113,5508,null,39,null,5115,5488,null,6347]
[null,40,43,null,6484,4679,3947,6478,6467,6451,6431,6419,4625,3899,6147,6281,6556,6459,6863,7208,7698,8355,8854,9492,9964,10680,11193,11978,12928,13932,14993,16113,null,40,null,5100,5500,null,40,null,5104,5481,null,6348]
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[null,100,null,null,null,null,null,null,null,null,null,null,null,null,4483,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4502]
[]
[]
[null,"Rate2 -->",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate2 -->"]
[null,"Issue Age",null,{"$f":"D7","v":"Annuity Option -->"},1,1,1,2,2,2,2,3,3,3,5,5,5,9,9,9,9,9,9,9,9,9,9,9,9,9,9,9,null,"Issue Age","Annuity Option -->",6,{"$f":"AK7","v":7},null,"Issue Age","Annuity Option -->",6,{"$f":"AP7","v":7},null,10]
[null,null,null,"Annuity Option Name-->","Life Annuity","Life Annuity","Life Annuity","Annuity Certain for a specified period and thereafter for Life","Annuity Certain for a specified period and thereafter for Life","Annuity Certain for a specified period and thereafter for Life","Annuity Certain for a specified period and thereafter for Life","Life Annuity with return of Balance of Purchase Price","Life Annuity with return of Balance of Purchase Price","Life Annuity with return of Balance of Purchase Price","Life Annuity with Return of Purchase Price ","Life Annuity with Return of Purchase Price ","Life Annuity with Return of Purchase Price ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ","Deferred Life Annuity with Return of Premium ",null,null,"Annuity Option Name-->","Life Annuity with enhanced Annuity on Critical Illness/ Accidental Permanent Disability and with Return of Purchase Price",{"$f":"AK8","v":"Life Annuity with Return of Purchase Price on attainment of Age 80 years"},null,null,"Annuity Option Name-->","Life Annuity with enhanced Annuity on Critical Illness/ Accidental Permanent Disability and with Return of Purchase Price",{"$f":"AP8","v":"Life Annuity with Return of Purchase Price on attainment of Age 80 years"},null,"Option 10 - NPS - Family Income"]
[null,"Male/ Transgender Lives","Female Lives",{"$f":"D9","v":"Policy\n Paramaters -->"},"Level","Annuity Escalation Rate - 3% ","Annuity Escalation Rate - 5% ","Annuity Certain Period - 5 years","Annuity Certain Period - 10 years","Annuity Certain Period - 15 years","Annuity Certain Period - 20 years","Level","Annuity Escalation Rate - 3% ","Annuity Escalation Rate - 5% ","RoP Percentage - 100%","RoP Percentage - 75%","RoP Percentage - 50%","Deferment Period 1","Deferment Period 2","Deferment Period 3","Deferment Period 4","Deferment Period 5","Deferment Period 6","Deferment Period 7","Deferment Period 8","Deferment Period 9","Deferment Period 10","Deferment Period 11","Deferment Period 12","Deferment Period 13","Deferment Period 14","Deferment Period 15",null,"Male/ Transgender Lives","Policy\n Paramaters -->",null,null,null,"Female Lives","Policy\n Paramaters -->",null,null,null,"RoP Percentage - 100%"]
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[null,7,10,null,6463,4482,3722,6463,6460,6458,6455,6455,4474,3718,6438,6568,6773,6769,7251,7603,8149,8812,9324,9980,10457,11231,11781,12564,13522,14539,15625,16770,null,7,null,"NA",6013,null,7,null,"NA",6013,null,6650]
[null,8,11,null,6467,4490,3728,6466,6465,6462,6459,6458,4481,3721,6440,6568,6776,6770,7252,7604,8149,8812,9325,9980,10459,11232,11782,12564,13522,14541,15628,16775,null,8,null,"NA",6011,null,8,null,"NA",6010,null,6651]
[null,9,12,null,6471,4494,3734,6470,6468,6466,6463,6462,4483,3725,6441,6568,6777,6771,7253,7605,8149,8812,9325,9980,10459,11232,11782,12565,13524,14542,15630,16779,null,9,null,"NA",6009,null,9,null,"NA",6008,null,6652]
[null,10,13,null,6478,4502,3740,6477,6474,6470,6467,6464,4491,3732,6442,6568,6778,6772,7254,7606,8149,8812,9325,9980,10460,11233,11782,12567,13527,14545,15635,16785,null,10,null,"NA",6006,null,10,null,"NA",6006,null,6653]
[null,11,14,null,6484,4507,3747,6483,6481,6476,6473,6468,4499,3737,6443,6569,6780,6773,7255,7607,8149,8812,9327,9980,10460,11235,11784,12568,13529,14548,15640,16792,null,11,null,"NA",6004,null,11,null,"NA",6004,null,6654]
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[null,15,18,null,6509,4540,3777,6508,6505,6497,6493,6490,4523,3764,6448,6571,6790,6779,7260,7612,8149,8814,9329,9984,10468,11242,11793,12583,13547,14574,15670,16828,null,15,null,"NA",5993,null,15,null,"NA",5992,null,6659]
[null,16,19,null,6515,4546,3784,6515,6512,6506,6499,6494,4530,3771,6449,6571,6791,6779,7261,7613,8149,8814,9330,9985,10470,11245,11796,12589,13555,14582,15681,16841,null,16,null,"NA",5989,null,16,null,"NA",5986,null,6660]
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{"sheet":"Limited Pay","index":6,"n_rows":167,"n_cols":75,"rows_kept":167,"cut":false,"hidden":true,"merged":[[88,66,89,67],[6,1,7,2],[6,16,7,17],[6,30,7,31],[6,43,7,44],[6,55,7,56],[6,66,7,67],[88,1,89,2],[88,16,89,17],[88,30,89,31],[88,43,89,44],[88,55,89,56]]}
["ABSLI Guaranteed Annuity Plus"]
[]
["Single Life Annuity Rate Table for 5 Pay",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Life Annuity Rate Table for 6 Pay",null,null,null,null,null,null,null,null,null,null,null,null,null,"Single Life Annuity Rate Table for 7 Pay",null,null,null,null,null,null,null,null,null,null,null,null,"Single Life Annuity Rate Table for 8 Pay",null,null,null,null,null,null,null,null,null,null,null,"Single Life Annuity Rate Table for 9 Pay",null,null,null,null,null,null,null,null,null,null,"Single Life Annuity Rate Table for 10 Pay"]
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{"sheet":"Joint Life Factors","index":7,"n_rows":12,"n_cols":12,"rows_kept":12,"cut":false,"hidden":true,"merged":[[5,1,7,1]]}
["ABSLI Guaranteed Annuity Plus"]
[]
["Joint Life Factors"]
[{"$f":"COLUMN()","v":1},{"$f":"COLUMN()","v":2},{"$f":"COLUMN()","v":3},{"$f":"COLUMN()","v":4},{"$f":"COLUMN()","v":5},{"$f":"COLUMN()","v":6},{"$f":"COLUMN()","v":7},{"$f":"COLUMN()","v":8},{"$f":"COLUMN()","v":9},{"$f":"COLUMN()","v":10},{"$f":"COLUMN()","v":11},{"$f":"COLUMN()","v":12}]
[null,null,null,{"$f":"Check!AP3","v":1},{"$f":"Check!AP4","v":1},{"$f":"Check!AP5","v":1},{"$f":"Check!AP13","v":1},{"$f":"IF(AND(Annuity_Option=10,JointLife_Ind=1),1,Check!AP14)","v":1},{"$f":"Check!AP15","v":1},{"$f":"Check!AP16","v":1},{"$f":"Check!AP19","v":1},{"$f":"Check!AP20","v":1}]
[null,"Age Band (Primary Annuitant)","Annuity Option -->",1,1,1,4,5,5,5,8,9]
[null,null,"Annuity Option Name-->","Life Annuity","Life Annuity","Life Annuity","Life Annuity with 50% Annuity payable to Secondary Annuitant on death of Primary Annuitant","Life Annuity with Return of Purchase Price ","Life Annuity with Return of Purchase Price ","Life Annuity with Return of Purchase Price ","Life Annuity with Partial Return of Purchase Price to survivor and balance to nominee","Deferred Life Annuity with Return of Purchase Price "]
[null,null,"Policy\n Paramaters -->","Level","Annuity Escalation Rate - 3% ","Annuity Escalation Rate - 5% ",null,"RoP Percentage - 100%","RoP Percentage - 75%","RoP Percentage - 50%",null,"Deferment Period 1 - 15 years"]
[0,"<= 55 years",null,-0.06,-7.0000000000000007E-2,{"$f":"E9-1%","v":-0.08},-0.01,0.03,-5.0000000000000001E-3,-0.02,-0.06,1.4999999999999999E-2]
[56,"> 55 years and <=65 years",null,-0.09,-0.11,{"$f":"E10-1%","v":-0.12},-0.03,0.03,-0.01,-0.04,-0.1,1.4999999999999999E-2]
[66,"> 65 years and <=75 years",null,-0.13,-0.15,-0.16,-0.05,0.03,-0.03,-7.4999999999999997E-2,-0.18,1.4999999999999999E-2]
[76,"> 75 years",null,-0.19,-0.21,-0.22,-0.09,0.03,-0.05,-0.1,-0.26,"NA"]

{"sheet":"Modal Factors","index":8,"n_rows":7,"n_cols":5,"rows_kept":7,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,null,"Payout Frequency","Factor"]
[null,"Annual",1,1,12]
[null,"Semi-Annual",2,0.98,6]
[null,"Quarterly",3,0.97,3]
[null,"Monthly",4,0.96,1]

{"sheet":"Surrender Factors","index":9,"n_rows":131,"n_cols":18,"rows_kept":131,"cut":false,"hidden":true,"merged":[[8,14,8,15]]}
["ABSLI Guaranteed Annuity Plus"]
[]
["Special Surrender Factors"]
["SSF1 and SSF2 Factors are applicable based on attained age"]
["For Joint Life - Minimum of the ages of Primary and Secondary Annuitant to be considered; Incase of death of one life, age of the surviving Annuitant to be considered"]
["For Annuity Option 9, Attained Age as at the end of Deferment Period to be considered if the Policy is surrendered during the Deferment Period"]
[]
[null,"Factors for Annuity Options 5, 6, 8 and 9",null,null,null,"Factors for Annuity Option 9",null,null,"Factors for Annuity Option 7"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Final Surrender Factor"]
[null,"Attained Age","SSF1","SSF2",null,"Outstanding Duration in years from end of Deferred Period","SSF3",null,"Attained Age","SSF1","SSF2",null,"Attained Age","Policy Year","SSF1","SSF2","SSF3","GSV"]
[null,0,13.35,5.7999999999999996E-3,null,15,0.31490000000000001,null,0,13.35,7.3000000000000001E-3,null,{"$f":"IF(JointLife_Ind=1,MIN(Age_1,Age_2),Age_1)+N11-1","v":60},{"$f":"1","v":1},{"$f":"IF(M11>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N11<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M11),$B:$D,2,0),VLOOKUP(M11,$I:$K,2,0)))","v":10.95},{"$f":"IF(M11>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N11<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M11),$B:$D,3,0),VLOOKUP(M11,$I:$K,3,0)))","v":0.27800000000000002},{"$f":"IF(Annuity_Option=9,IF(N11>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N11,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.75]
[null,1,13.35,5.7999999999999996E-3,null,14,0.33839999999999998,null,1,13.35,7.3000000000000001E-3,null,61,{"$f":"N11+1","v":2},{"$f":"IF(M12>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N12<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M12),$B:$D,2,0),VLOOKUP(M12,$I:$K,2,0)))","v":10.81},{"$f":"IF(M12>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N12<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M12),$B:$D,3,0),VLOOKUP(M12,$I:$K,3,0)))","v":0.2959},{"$f":"IF(Annuity_Option=9,IF(N12>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N12,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.75]
[null,2,13.35,5.8999999999999999E-3,null,13,0.36380000000000001,null,2,13.35,7.4000000000000003E-3,null,62,{"$f":"N12+1","v":3},{"$f":"IF(M13>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N13<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M13),$B:$D,2,0),VLOOKUP(M13,$I:$K,2,0)))","v":10.67},{"$f":"IF(M13>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N13<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M13),$B:$D,3,0),VLOOKUP(M13,$I:$K,3,0)))","v":0.31490000000000001},{"$f":"IF(Annuity_Option=9,IF(N13>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N13,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.75]
[null,3,13.35,5.8999999999999999E-3,null,12,0.39100000000000001,null,3,13.35,7.6E-3,null,63,4,{"$f":"IF(M14>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N14<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M14),$B:$D,2,0),VLOOKUP(M14,$I:$K,2,0)))","v":10.51},{"$f":"IF(M14>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N14<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M14),$B:$D,3,0),VLOOKUP(M14,$I:$K,3,0)))","v":0.33510000000000001},{"$f":"IF(Annuity_Option=9,IF(N14>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N14,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,4,13.35,6.1999999999999998E-3,null,11,0.42030000000000001,null,4,13.35,8.0000000000000002E-3,null,64,5,{"$f":"IF(M15>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N15<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M15),$B:$D,2,0),VLOOKUP(M15,$I:$K,2,0)))","v":10.35},{"$f":"IF(M15>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N15<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M15),$B:$D,3,0),VLOOKUP(M15,$I:$K,3,0)))","v":0.35659999999999997},{"$f":"IF(Annuity_Option=9,IF(N15>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N15,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,5,13.34,6.4999999999999997E-3,null,10,0.45179999999999998,null,5,13.34,8.5000000000000006E-3,null,65,6,{"$f":"IF(M16>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N16<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M16),$B:$D,2,0),VLOOKUP(M16,$I:$K,2,0)))","v":10.18},{"$f":"IF(M16>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N16<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M16),$B:$D,3,0),VLOOKUP(M16,$I:$K,3,0)))","v":0.3795},{"$f":"IF(Annuity_Option=9,IF(N16>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N16,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,6,13.33,7.0000000000000001E-3,null,9,0.48559999999999998,null,6,13.33,8.9999999999999993E-3,null,66,7,{"$f":"IF(M17>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N17<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M17),$B:$D,2,0),VLOOKUP(M17,$I:$K,2,0)))","v":10.01},{"$f":"IF(M17>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N17<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M17),$B:$D,3,0),VLOOKUP(M17,$I:$K,3,0)))","v":0.40389999999999998},{"$f":"IF(Annuity_Option=9,IF(N17>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N17,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,7,13.33,7.4999999999999997E-3,null,8,0.52200000000000002,null,7,13.33,9.7000000000000003E-3,null,67,8,{"$f":"IF(M18>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N18<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M18),$B:$D,2,0),VLOOKUP(M18,$I:$K,2,0)))","v":9.83},{"$f":"IF(M18>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N18<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M18),$B:$D,3,0),VLOOKUP(M18,$I:$K,3,0)))","v":0.42980000000000002},{"$f":"IF(Annuity_Option=9,IF(N18>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N18,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,8,13.32,8.0000000000000002E-3,null,7,0.56110000000000004,null,8,13.32,1.04E-2,null,68,9,{"$f":"IF(M19>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N19<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M19),$B:$D,2,0),VLOOKUP(M19,$I:$K,2,0)))","v":9.64},{"$f":"IF(M19>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N19<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M19),$B:$D,3,0),VLOOKUP(M19,$I:$K,3,0)))","v":0.45750000000000002},{"$f":"IF(Annuity_Option=9,IF(N19>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N19,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,9,13.31,8.5000000000000006E-3,null,6,0.60309999999999997,null,9,13.31,1.11E-2,null,69,10,{"$f":"IF(M20>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N20<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M20),$B:$D,2,0),VLOOKUP(M20,$I:$K,2,0)))","v":9.44},{"$f":"IF(M20>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N20<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M20),$B:$D,3,0),VLOOKUP(M20,$I:$K,3,0)))","v":0.48699999999999999},{"$f":"IF(Annuity_Option=9,IF(N20>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N20,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,10,13.3,9.1000000000000004E-3,null,5,0.64829999999999999,null,10,13.3,1.1900000000000001E-2,null,70,11,{"$f":"IF(M21>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N21<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M21),$B:$D,2,0),VLOOKUP(M21,$I:$K,2,0)))","v":9.23},{"$f":"IF(M21>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N21<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M21),$B:$D,3,0),VLOOKUP(M21,$I:$K,3,0)))","v":0.51849999999999996},{"$f":"IF(Annuity_Option=9,IF(N21>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N21,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,11,13.3,9.7000000000000003E-3,null,4,0.69689999999999996,null,11,13.3,1.2699999999999999E-2,null,71,12,{"$f":"IF(M22>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N22<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M22),$B:$D,2,0),VLOOKUP(M22,$I:$K,2,0)))","v":9.02},{"$f":"IF(M22>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N22<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M22),$B:$D,3,0),VLOOKUP(M22,$I:$K,3,0)))","v":0.55220000000000002},{"$f":"IF(Annuity_Option=9,IF(N22>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N22,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,12,13.29,1.03E-2,null,3,0.74909999999999999,null,12,13.29,1.35E-2,null,72,13,{"$f":"IF(M23>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N23<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M23),$B:$D,2,0),VLOOKUP(M23,$I:$K,2,0)))","v":8.8000000000000007},{"$f":"IF(M23>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N23<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M23),$B:$D,3,0),VLOOKUP(M23,$I:$K,3,0)))","v":0.58830000000000005},{"$f":"IF(Annuity_Option=9,IF(N23>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N23,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,13,13.28,1.0999999999999999E-2,null,2,0.80520000000000003,null,13,13.28,1.43E-2,null,73,14,{"$f":"IF(M24>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N24<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M24),$B:$D,2,0),VLOOKUP(M24,$I:$K,2,0)))","v":8.58},{"$f":"IF(M24>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N24<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M24),$B:$D,3,0),VLOOKUP(M24,$I:$K,3,0)))","v":0.627},{"$f":"IF(Annuity_Option=9,IF(N24>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N24,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,14,13.27,1.1599999999999999E-2,null,1,0.86550000000000005,null,14,13.27,1.52E-2,null,74,15,{"$f":"IF(M25>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N25<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M25),$B:$D,2,0),VLOOKUP(M25,$I:$K,2,0)))","v":8.35},{"$f":"IF(M25>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N25<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M25),$B:$D,3,0),VLOOKUP(M25,$I:$K,3,0)))","v":0.66859999999999997},{"$f":"IF(Annuity_Option=9,IF(N25>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N25,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,15,13.26,1.2200000000000001E-2,null,0,0.93030000000000002,null,15,13.26,1.61E-2,null,75,16,{"$f":"IF(M26>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N26<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M26),$B:$D,2,0),VLOOKUP(M26,$I:$K,2,0)))","v":8.11},{"$f":"IF(M26>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N26<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M26),$B:$D,3,0),VLOOKUP(M26,$I:$K,3,0)))","v":0.71350000000000002},{"$f":"IF(Annuity_Option=9,IF(N26>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N26,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,16,13.25,1.29E-2,null,null,null,null,16,13.25,1.7000000000000001E-2,null,76,17,{"$f":"IF(M27>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N27<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M27),$B:$D,2,0),VLOOKUP(M27,$I:$K,2,0)))","v":7.86},{"$f":"IF(M27>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N27<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M27),$B:$D,3,0),VLOOKUP(M27,$I:$K,3,0)))","v":0.76190000000000002},{"$f":"IF(Annuity_Option=9,IF(N27>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N27,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,17,13.24,1.35E-2,null,null,null,null,17,13.24,1.7999999999999999E-2,null,77,18,{"$f":"IF(M28>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N28<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M28),$B:$D,2,0),VLOOKUP(M28,$I:$K,2,0)))","v":7.61},{"$f":"IF(M28>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N28<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M28),$B:$D,3,0),VLOOKUP(M28,$I:$K,3,0)))","v":0.8145},{"$f":"IF(Annuity_Option=9,IF(N28>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N28,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,18,13.23,1.4200000000000001E-2,null,null,null,null,18,13.23,1.9E-2,null,78,19,{"$f":"IF(M29>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N29<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M29),$B:$D,2,0),VLOOKUP(M29,$I:$K,2,0)))","v":7.36},{"$f":"IF(M29>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N29<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M29),$B:$D,3,0),VLOOKUP(M29,$I:$K,3,0)))","v":0.87180000000000002},{"$f":"IF(Annuity_Option=9,IF(N29>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N29,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,19,13.22,1.49E-2,null,null,null,null,19,13.22,2.01E-2,null,79,20,{"$f":"IF(M30>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N30<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M30),$B:$D,2,0),VLOOKUP(M30,$I:$K,2,0)))","v":7.09},{"$f":"IF(M30>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N30<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M30),$B:$D,3,0),VLOOKUP(M30,$I:$K,3,0)))","v":0.9345},{"$f":"IF(Annuity_Option=9,IF(N30>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N30,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,20,13.21,1.5699999999999999E-2,null,null,null,null,20,13.21,2.1299999999999999E-2,null,80,21,{"$f":"IF(M31>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N31<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M31),$B:$D,2,0),VLOOKUP(M31,$I:$K,2,0)))","v":0},{"$f":"IF(M31>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N31<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M31),$B:$D,3,0),VLOOKUP(M31,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N31>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N31,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,21,13.2,1.67E-2,null,null,null,null,21,13.2,2.2700000000000001E-2,null,81,22,{"$f":"IF(M32>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N32<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M32),$B:$D,2,0),VLOOKUP(M32,$I:$K,2,0)))","v":0},{"$f":"IF(M32>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N32<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M32),$B:$D,3,0),VLOOKUP(M32,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N32>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N32,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,22,13.18,1.78E-2,null,null,null,null,22,13.18,2.4299999999999999E-2,null,82,23,{"$f":"IF(M33>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N33<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M33),$B:$D,2,0),VLOOKUP(M33,$I:$K,2,0)))","v":0},{"$f":"IF(M33>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N33<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M33),$B:$D,3,0),VLOOKUP(M33,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N33>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N33,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,23,13.17,1.9E-2,null,null,null,null,23,13.17,2.5899999999999999E-2,null,83,24,{"$f":"IF(M34>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N34<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M34),$B:$D,2,0),VLOOKUP(M34,$I:$K,2,0)))","v":0},{"$f":"IF(M34>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N34<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M34),$B:$D,3,0),VLOOKUP(M34,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N34>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N34,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,24,13.15,2.0199999999999999E-2,null,null,null,null,24,13.15,2.7699999999999999E-2,null,84,25,{"$f":"IF(M35>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N35<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M35),$B:$D,2,0),VLOOKUP(M35,$I:$K,2,0)))","v":0},{"$f":"IF(M35>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N35<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M35),$B:$D,3,0),VLOOKUP(M35,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N35>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N35,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,25,13.13,2.1600000000000001E-2,null,null,null,null,25,13.13,2.9499999999999998E-2,null,85,26,{"$f":"IF(M36>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N36<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M36),$B:$D,2,0),VLOOKUP(M36,$I:$K,2,0)))","v":0},{"$f":"IF(M36>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N36<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M36),$B:$D,3,0),VLOOKUP(M36,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N36>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N36,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,26,13.11,2.3E-2,null,null,null,null,26,13.11,3.15E-2,null,86,27,{"$f":"IF(M37>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N37<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M37),$B:$D,2,0),VLOOKUP(M37,$I:$K,2,0)))","v":0},{"$f":"IF(M37>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N37<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M37),$B:$D,3,0),VLOOKUP(M37,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N37>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N37,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,27,13.09,2.4500000000000001E-2,null,null,null,null,27,13.09,3.3700000000000001E-2,null,87,28,{"$f":"IF(M38>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N38<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M38),$B:$D,2,0),VLOOKUP(M38,$I:$K,2,0)))","v":0},{"$f":"IF(M38>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N38<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M38),$B:$D,3,0),VLOOKUP(M38,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N38>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N38,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,28,13.07,2.6100000000000002E-2,null,null,null,null,28,13.07,3.5999999999999997E-2,null,88,29,{"$f":"IF(M39>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N39<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M39),$B:$D,2,0),VLOOKUP(M39,$I:$K,2,0)))","v":0},{"$f":"IF(M39>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N39<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M39),$B:$D,3,0),VLOOKUP(M39,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N39>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N39,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,29,13.05,2.7799999999999998E-2,null,null,null,null,29,13.05,3.8399999999999997E-2,null,89,30,{"$f":"IF(M40>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N40<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M40),$B:$D,2,0),VLOOKUP(M40,$I:$K,2,0)))","v":0},{"$f":"IF(M40>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N40<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M40),$B:$D,3,0),VLOOKUP(M40,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N40>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N40,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,30,13.02,2.9600000000000001E-2,null,null,null,null,30,13.02,4.1000000000000002E-2,null,90,31,{"$f":"IF(M41>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N41<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M41),$B:$D,2,0),VLOOKUP(M41,$I:$K,2,0)))","v":0},{"$f":"IF(M41>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N41<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M41),$B:$D,3,0),VLOOKUP(M41,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N41>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N41,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,31,12.99,3.15E-2,null,null,null,null,31,12.99,4.3700000000000003E-2,null,91,32,{"$f":"IF(M42>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N42<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M42),$B:$D,2,0),VLOOKUP(M42,$I:$K,2,0)))","v":0},{"$f":"IF(M42>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N42<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M42),$B:$D,3,0),VLOOKUP(M42,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N42>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N42,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,32,12.97,3.3599999999999998E-2,null,null,null,null,32,12.97,4.6699999999999998E-2,null,92,33,{"$f":"IF(M43>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N43<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M43),$B:$D,2,0),VLOOKUP(M43,$I:$K,2,0)))","v":0},{"$f":"IF(M43>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N43<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M43),$B:$D,3,0),VLOOKUP(M43,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N43>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N43,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,33,12.94,3.5700000000000003E-2,null,null,null,null,33,12.94,4.9799999999999997E-2,null,93,34,{"$f":"IF(M44>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N44<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M44),$B:$D,2,0),VLOOKUP(M44,$I:$K,2,0)))","v":0},{"$f":"IF(M44>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N44<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M44),$B:$D,3,0),VLOOKUP(M44,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N44>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N44,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,34,12.9,3.7999999999999999E-2,null,null,null,null,34,12.9,5.3199999999999997E-2,null,94,35,{"$f":"IF(M45>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N45<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M45),$B:$D,2,0),VLOOKUP(M45,$I:$K,2,0)))","v":0},{"$f":"IF(M45>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N45<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M45),$B:$D,3,0),VLOOKUP(M45,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N45>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N45,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,35,12.87,4.0500000000000001E-2,null,null,null,null,35,12.87,5.67E-2,null,95,36,{"$f":"IF(M46>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N46<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M46),$B:$D,2,0),VLOOKUP(M46,$I:$K,2,0)))","v":0},{"$f":"IF(M46>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N46<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M46),$B:$D,3,0),VLOOKUP(M46,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N46>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N46,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,36,12.83,4.3099999999999999E-2,null,null,null,null,36,12.83,6.0499999999999998E-2,null,96,37,{"$f":"IF(M47>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N47<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M47),$B:$D,2,0),VLOOKUP(M47,$I:$K,2,0)))","v":0},{"$f":"IF(M47>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N47<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M47),$B:$D,3,0),VLOOKUP(M47,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N47>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N47,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,37,12.8,4.58E-2,null,null,null,null,37,12.8,6.4600000000000005E-2,null,97,38,{"$f":"IF(M48>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N48<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M48),$B:$D,2,0),VLOOKUP(M48,$I:$K,2,0)))","v":0},{"$f":"IF(M48>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N48<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M48),$B:$D,3,0),VLOOKUP(M48,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N48>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N48,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,38,12.75,4.87E-2,null,null,null,null,38,12.75,6.8900000000000003E-2,null,98,39,{"$f":"IF(M49>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N49<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M49),$B:$D,2,0),VLOOKUP(M49,$I:$K,2,0)))","v":0},{"$f":"IF(M49>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N49<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M49),$B:$D,3,0),VLOOKUP(M49,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N49>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N49,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,39,12.71,5.1799999999999999E-2,null,null,null,null,39,12.71,7.3499999999999996E-2,null,99,40,{"$f":"IF(M50>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N50<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M50),$B:$D,2,0),VLOOKUP(M50,$I:$K,2,0)))","v":0},{"$f":"IF(M50>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N50<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M50),$B:$D,3,0),VLOOKUP(M50,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N50>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N50,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,40,12.67,5.5100000000000003E-2,null,null,null,null,40,12.67,7.8299999999999995E-2,null,100,41,{"$f":"IF(M51>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N51<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M51),$B:$D,2,0),VLOOKUP(M51,$I:$K,2,0)))","v":0},{"$f":"IF(M51>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N51<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M51),$B:$D,3,0),VLOOKUP(M51,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N51>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N51,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,41,12.62,5.8599999999999999E-2,null,null,null,null,41,12.62,8.3500000000000005E-2,null,101,42,{"$f":"IF(M52>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N52<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M52),$B:$D,2,0),VLOOKUP(M52,$I:$K,2,0)))","v":0},{"$f":"IF(M52>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N52<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M52),$B:$D,3,0),VLOOKUP(M52,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N52>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N52,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,42,12.57,6.2300000000000001E-2,null,null,null,null,42,12.57,8.9099999999999999E-2,null,102,43,{"$f":"IF(M53>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N53<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M53),$B:$D,2,0),VLOOKUP(M53,$I:$K,2,0)))","v":0},{"$f":"IF(M53>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N53<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M53),$B:$D,3,0),VLOOKUP(M53,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N53>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N53,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,43,12.51,6.6199999999999995E-2,null,null,null,null,43,12.51,9.5000000000000001E-2,null,103,44,{"$f":"IF(M54>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N54<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M54),$B:$D,2,0),VLOOKUP(M54,$I:$K,2,0)))","v":0},{"$f":"IF(M54>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N54<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M54),$B:$D,3,0),VLOOKUP(M54,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N54>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N54,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,44,12.45,7.0300000000000001E-2,null,null,null,null,44,12.45,0.1013,null,104,45,{"$f":"IF(M55>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N55<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M55),$B:$D,2,0),VLOOKUP(M55,$I:$K,2,0)))","v":0},{"$f":"IF(M55>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N55<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M55),$B:$D,3,0),VLOOKUP(M55,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N55>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N55,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,45,12.39,7.4700000000000003E-2,null,null,null,null,45,12.39,0.1079,null,105,46,{"$f":"IF(M56>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N56<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M56),$B:$D,2,0),VLOOKUP(M56,$I:$K,2,0)))","v":0},{"$f":"IF(M56>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N56<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M56),$B:$D,3,0),VLOOKUP(M56,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N56>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N56,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,46,12.33,7.9299999999999995E-2,null,null,null,null,46,12.33,0.11509999999999999,null,106,47,{"$f":"IF(M57>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N57<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M57),$B:$D,2,0),VLOOKUP(M57,$I:$K,2,0)))","v":0},{"$f":"IF(M57>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N57<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M57),$B:$D,3,0),VLOOKUP(M57,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N57>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N57,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,47,12.26,8.4199999999999997E-2,null,null,null,null,47,12.26,0.1226,null,107,48,{"$f":"IF(M58>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N58<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M58),$B:$D,2,0),VLOOKUP(M58,$I:$K,2,0)))","v":0},{"$f":"IF(M58>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N58<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M58),$B:$D,3,0),VLOOKUP(M58,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N58>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N58,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,48,12.19,8.9300000000000004E-2,null,null,null,null,48,12.19,0.13070000000000001,null,108,49,{"$f":"IF(M59>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N59<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M59),$B:$D,2,0),VLOOKUP(M59,$I:$K,2,0)))","v":0},{"$f":"IF(M59>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N59<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M59),$B:$D,3,0),VLOOKUP(M59,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N59>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N59,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,49,12.11,9.4799999999999995E-2,null,null,null,null,49,12.11,0.13919999999999999,null,109,50,{"$f":"IF(M60>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N60<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M60),$B:$D,2,0),VLOOKUP(M60,$I:$K,2,0)))","v":0},{"$f":"IF(M60>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N60<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M60),$B:$D,3,0),VLOOKUP(M60,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N60>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N60,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,50,12.03,0.10059999999999999,null,null,null,null,50,12.03,0.14829999999999999,null,110,51,{"$f":"IF(M61>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N61<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M61),$B:$D,2,0),VLOOKUP(M61,$I:$K,2,0)))","v":0},{"$f":"IF(M61>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N61<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M61),$B:$D,3,0),VLOOKUP(M61,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N61>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N61,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,51,11.95,0.1067,null,null,null,null,51,11.95,0.158,null,111,52,{"$f":"IF(M62>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N62<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M62),$B:$D,2,0),VLOOKUP(M62,$I:$K,2,0)))","v":0},{"$f":"IF(M62>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N62<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M62),$B:$D,3,0),VLOOKUP(M62,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N62>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N62,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,52,11.86,0.11310000000000001,null,null,null,null,52,11.86,0.16830000000000001,null,112,53,{"$f":"IF(M63>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N63<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M63),$B:$D,2,0),VLOOKUP(M63,$I:$K,2,0)))","v":0},{"$f":"IF(M63>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N63<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M63),$B:$D,3,0),VLOOKUP(M63,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N63>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N63,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,53,11.77,0.1198,null,null,null,null,53,11.77,0.17929999999999999,null,113,54,{"$f":"IF(M64>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N64<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M64),$B:$D,2,0),VLOOKUP(M64,$I:$K,2,0)))","v":0},{"$f":"IF(M64>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N64<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M64),$B:$D,3,0),VLOOKUP(M64,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N64>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N64,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,54,11.67,0.127,null,null,null,null,54,11.67,0.19089999999999999,null,114,55,{"$f":"IF(M65>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N65<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M65),$B:$D,2,0),VLOOKUP(M65,$I:$K,2,0)))","v":0},{"$f":"IF(M65>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N65<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M65),$B:$D,3,0),VLOOKUP(M65,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N65>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N65,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,55,11.56,0.13450000000000001,null,null,null,null,55,11.56,0.20330000000000001,null,115,56,{"$f":"IF(M66>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N66<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M66),$B:$D,2,0),VLOOKUP(M66,$I:$K,2,0)))","v":0},{"$f":"IF(M66>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N66<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M66),$B:$D,3,0),VLOOKUP(M66,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N66>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N66,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,56,11.45,0.1424,null,null,null,null,56,11.45,0.2165,null,116,57,{"$f":"IF(M67>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N67<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M67),$B:$D,2,0),VLOOKUP(M67,$I:$K,2,0)))","v":0},{"$f":"IF(M67>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N67<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M67),$B:$D,3,0),VLOOKUP(M67,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N67>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N67,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,57,11.34,0.1507,null,null,null,null,57,11.34,0.23050000000000001,null,117,58,{"$f":"IF(M68>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N68<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M68),$B:$D,2,0),VLOOKUP(M68,$I:$K,2,0)))","v":0},{"$f":"IF(M68>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N68<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M68),$B:$D,3,0),VLOOKUP(M68,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N68>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N68,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,58,11.22,0.15939999999999999,null,null,null,null,58,11.22,0.24540000000000001,null,118,59,{"$f":"IF(M69>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N69<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M69),$B:$D,2,0),VLOOKUP(M69,$I:$K,2,0)))","v":0},{"$f":"IF(M69>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N69<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M69),$B:$D,3,0),VLOOKUP(M69,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N69>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N69,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,59,11.09,0.1686,null,null,null,null,59,11.09,0.26119999999999999,null,119,60,{"$f":"IF(M70>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N70<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M70),$B:$D,2,0),VLOOKUP(M70,$I:$K,2,0)))","v":0},{"$f":"IF(M70>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N70<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M70),$B:$D,3,0),VLOOKUP(M70,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N70>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N70,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,60,10.95,0.1782,null,null,null,null,60,10.95,0.27800000000000002,null,120,61,{"$f":"IF(M71>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N71<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M71),$B:$D,2,0),VLOOKUP(M71,$I:$K,2,0)))","v":0},{"$f":"IF(M71>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N71<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M71),$B:$D,3,0),VLOOKUP(M71,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N71>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N71,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,61,10.81,0.1883,null,null,null,null,61,10.81,0.2959,null,121,62,{"$f":"IF(M72>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N72<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M72),$B:$D,2,0),VLOOKUP(M72,$I:$K,2,0)))","v":0},{"$f":"IF(M72>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N72<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M72),$B:$D,3,0),VLOOKUP(M72,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N72>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N72,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,62,10.67,0.19889999999999999,null,null,null,null,62,10.67,0.31490000000000001,null,122,63,{"$f":"IF(M73>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N73<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M73),$B:$D,2,0),VLOOKUP(M73,$I:$K,2,0)))","v":0},{"$f":"IF(M73>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N73<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M73),$B:$D,3,0),VLOOKUP(M73,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N73>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N73,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,63,10.51,0.21,null,null,null,null,63,10.51,0.33510000000000001,null,123,64,{"$f":"IF(M74>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N74<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M74),$B:$D,2,0),VLOOKUP(M74,$I:$K,2,0)))","v":0},{"$f":"IF(M74>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N74<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M74),$B:$D,3,0),VLOOKUP(M74,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N74>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N74,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,64,10.35,0.2215,null,null,null,null,64,10.35,0.35659999999999997,null,{"$f":"IF(JointLife_Ind=1,MIN(Age_1,Age_2),Age_1)+N75-1","v":124},65,{"$f":"IF(M75>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N75<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M75),$B:$D,2,0),VLOOKUP(M75,$I:$K,2,0)))","v":0},{"$f":"IF(M75>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N75<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M75),$B:$D,3,0),VLOOKUP(M75,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N75>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N75,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,65,10.18,0.2336,null,null,null,null,65,10.18,0.3795,null,125,66,{"$f":"IF(M76>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N76<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M76),$B:$D,2,0),VLOOKUP(M76,$I:$K,2,0)))","v":0},{"$f":"IF(M76>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N76<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M76),$B:$D,3,0),VLOOKUP(M76,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N76>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N76,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,66,10.01,0.24610000000000001,null,null,null,null,66,10.01,0.40389999999999998,null,{"$f":"IF(JointLife_Ind=1,MIN(Age_1,Age_2),Age_1)+N77-1","v":126},{"$f":"N76+1","v":67},{"$f":"IF(M77>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N77<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M77),$B:$D,2,0),VLOOKUP(M77,$I:$K,2,0)))","v":0},{"$f":"IF(M77>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N77<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M77),$B:$D,3,0),VLOOKUP(M77,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N77>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N77,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,67,9.83,0.25919999999999999,null,null,null,null,67,9.83,0.42980000000000002,null,127,68,{"$f":"IF(M78>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N78<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M78),$B:$D,2,0),VLOOKUP(M78,$I:$K,2,0)))","v":0},{"$f":"IF(M78>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N78<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M78),$B:$D,3,0),VLOOKUP(M78,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N78>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N78,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,68,9.64,0.27279999999999999,null,null,null,null,68,9.64,0.45750000000000002,null,128,69,{"$f":"IF(M79>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N79<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M79),$B:$D,2,0),VLOOKUP(M79,$I:$K,2,0)))","v":0},{"$f":"IF(M79>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N79<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M79),$B:$D,3,0),VLOOKUP(M79,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N79>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N79,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,69,9.44,0.28699999999999998,null,null,null,null,69,9.44,0.48699999999999999,null,129,70,{"$f":"IF(M80>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N80<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M80),$B:$D,2,0),VLOOKUP(M80,$I:$K,2,0)))","v":0},{"$f":"IF(M80>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N80<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M80),$B:$D,3,0),VLOOKUP(M80,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N80>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N80,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,70,9.23,0.30159999999999998,null,null,null,null,70,9.23,0.51849999999999996,null,130,71,{"$f":"IF(M81>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N81<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M81),$B:$D,2,0),VLOOKUP(M81,$I:$K,2,0)))","v":0},{"$f":"IF(M81>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N81<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M81),$B:$D,3,0),VLOOKUP(M81,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N81>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N81,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,71,9.02,0.31680000000000003,null,null,null,null,71,9.02,0.55220000000000002,null,131,72,{"$f":"IF(M82>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N82<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M82),$B:$D,2,0),VLOOKUP(M82,$I:$K,2,0)))","v":0},{"$f":"IF(M82>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N82<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M82),$B:$D,3,0),VLOOKUP(M82,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N82>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N82,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,72,8.8000000000000007,0.33250000000000002,null,null,null,null,72,8.8000000000000007,0.58830000000000005,null,132,73,{"$f":"IF(M83>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N83<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M83),$B:$D,2,0),VLOOKUP(M83,$I:$K,2,0)))","v":0},{"$f":"IF(M83>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N83<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M83),$B:$D,3,0),VLOOKUP(M83,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N83>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N83,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,73,8.58,0.34860000000000002,null,null,null,null,73,8.58,0.627,null,133,74,{"$f":"IF(M84>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N84<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M84),$B:$D,2,0),VLOOKUP(M84,$I:$K,2,0)))","v":0},{"$f":"IF(M84>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N84<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M84),$B:$D,3,0),VLOOKUP(M84,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N84>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N84,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
[null,74,8.35,0.36520000000000002,null,null,null,null,74,8.35,0.66859999999999997,null,134,75,{"$f":"IF(M85>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N85<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M85),$B:$D,2,0),VLOOKUP(M85,$I:$K,2,0)))","v":0},{"$f":"IF(M85>120,0,IF(OR(Annuity_Option=5,Annuity_Option=6,Annuity_Option=8,Annuity_Option=9,Annuity_Option=10),VLOOKUP(IF(AND(Annuity_Option=9,N85<=Output!$D$29),MIN(Age_1,Age_2)+Output!$D$29,M85),$B:$D,3,0),VLOOKUP(M85,$I:$K,3,0)))","v":0},{"$f":"IF(Annuity_Option=9,IF(N85>Output!$D$29,1,VLOOKUP(Output!$D$29-'Surrender Factors'!N85,'Surrender Factors'!$F$11:$G$26,2,0)),0)","v":0},0.9]
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[null,76,7.86,0.39979999999999999,null,null,null,null,76,7.86,0.76190000000000002]
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