You have two tests for =40 here so my solution might need some adjustment

=IF(F3<40,"manual
calc.",Q3*OFFSET(VolLifeRates!$B$19,VLOOKUP(F3,{0, 1;40,2;45,3;50,4;55,5;60,6
;65,7;70,8},2),0))

--

HTH

RP
(remove nothere from the email address if mailing direct)


"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$27,IF(F3=60,Q
3*VolLifeRates!$B$26,IF(F3=55,Q3*VolLifeRates!$B$ 25,IF(F3=50,Q3*VolLifeRat
es!$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!