I am calculating the present age of people, then by their age, I am looking
them up in a rate chart based on their age.

I calculate their age by NOW-D.O.B. which works fine. (see actual cell
contents below)

Then, I use the cell that contains the age result in a VLOOKUP cell to
determine their rate. It works perfectly for exactly 3 people, then it
returns an error #REF! because, I have deduced, that it doesn't like the fact
that the age is constantly changing each time the calculation is done.

Why does it work for 3 people and then stop? More importantly, is there a
way i can just take the "value" of the age cell into the VLOOKUP, rather than
pulling the dynamic number into the function?

Here's my VLOOKUP just for reference:
=(VLOOKUP(F3,VLOOKUPrates!$B$2:$E$74,VLOOKUPrates! $B$2:$B$74))*M3
where F3 is the calculated AGE and M3 is a constant.

Here's my present AGE calculation for reference (that is somehow considered
in the above VLOOKUP):
=IF(TRUNC(((YEAR($A$1)-YEAR(E3))*12+MONTH($A$1)-MONTH(E3))/12)=105, "
",TRUNC(((YEAR($A$1)-YEAR(E3))*12+MONTH($A$1)-MONTH(E3))/12))
Where $A$1 = NOW

any help gratefully acknowleged and appreciated !