On your sheet VolLifeRates, in cells A17:A28 put 0,20,25,30,35.......70.
This assumes that you have rates in cells B17:B28. If not then you should
be able to work out what's going on here. The 0 should be against your
lowest rate:-

Now replace your formula with the following:-

=Q3*VLOOKUP(F3,$A$17:$B$28,2)

Take a look at the help on the VLOOKUP function

--
Regards
Ken....................... Microsoft MVP - Excel
Sys Spec - Win XP Pro / XL 97/00/02/03

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It's easier to beg forgiveness than ask permission :-)
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"Chris Berding" <Chris wrote in message
...
I'm trying to nest greater than 7 arguments, based on a variable rate
structure. For example, there are 8 different age catories, and 9
different
rates... so depending on the person's age, i need to use a different rate.
I
have successfully nested the maximum, but it leaves me with three age
groups
that I can't calculate automatically.
Here is my formula so far:
=IF(F3=70,Q3*VolLifeRates!$B$28,IF(F3=65,Q3*VolL ifeRates!$B$27,IF(F3=60,Q3*VolLifeRates!$B$26,IF( F3=55,Q3*VolLifeRates!$B$25,IF(F3=50,Q3*VolLifeR ates!$B$24,IF(F3=45,Q3*VolLifeRates!$B$23,IF(F3= 40,Q3*VolLifeRates!$B$22,IF(F3=40,Q3*VolLifeRates !$B$21,"manual
calc."))))))))

It doesnt work or anyone under 40 :( so i have to manually calculate any
clients who's age is less than 40.

Grateful if you have a way around Microsoft's maximum!