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Default Vlookup rounding up rather than down

I'm trying to make a chart of State mandated insurance rates. One
column is policy amounts in $500 increments: 10,000, 10,500, 11,000
etc. Another column is rates for each policy amount: 229, 233, 235
(no set pattern), I set it in Vlookup; VLOOKUP(PolicyAmt,Rate,
2,TRUE). I said TRUE because I need the amount for everything in
between the charted increments, e.g, 10,200.55. It doesn't work. The
rates are _up to and including_ the set amounts, so 10,200.55 (or
whatever) coverage should have a 233 premium. Vlookup returns the
lower amount, so 10,250.55 coverage shows just 229. Excel Help says
Vlookup looks for the exact value in the left column or the next
_lower_ value. Is there any way to round up instead of down? Am I
trying to make water flow uphill? Thanks.

 
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