HLOOKUP improvement?
 

I need split age information between two columns depending on the age
(details below at the bottom of the message).

For example if the person is 55 in column one I would show age information
for ages 60, 62, and 65 and in column two I would show age information for
ages 70, 72 and 75.

But for age 66 I would only show in column one age 70 and in column 2 age 75.

The below equation works - however is there a simplier way to do this?

=IF(HLOOKUP(+'Policy information'!$C$5,$B$2:$H$9,A12)="","
",HLOOKUP(+'Policy information'!$C$5,$B$2:$H$9,A12)) (A12 is in an array
with values ranging from 2 to 8)

0 55 60 62 65 70 72
55 60 62 65 70 72 75
60 62 65 70 72
62 65 70
65
70 70 72 72 75 75
72 72 75 75
75 75