Spreadsheet: 851009d1701280111-identical-formulas-one-works-the-other-wont-what-is-wrong-insurance-example-issue
Sheet: Sheet1

 |  | LIFE INSURANCE POLICY's                           AR - |  | 2023-01-01 00:00:00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Insurance Account No's | [NAME] | From Acct# | PMT
 | Choose A Month From Below |  | AMOUNT SPENT YEAR TO DATE  ----> |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fred ACC# | 747350703    ($300,000.00 *$150,000 @70) $135.00 pr mth  & $1000.00  @ no cost |  |  | Minnisota Life thru APG | Savings acct 00  #1 | 135
 |  |  | AVERAGE MONTHLY  COST ----> |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fred ACC# | Personal Life ($100,000.00 Expires April 2023)  $68.41 |  |  | Trans America | Ckg acct # 03 | 68.41
 |  |  | Amount Paid Current Month Month  ----> |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Donna ACC# | 746991010    ($100,000.00 & $1000.00) $30.00 |  |  | Minnisota Life thru APG | Savings acct 00 #2 | 30
 | 2023-10-01 00:00:00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Donna ACC# | Personal Life ($100,000.00 Expires April 2023)  $78.93 |  |  | Trans America | Ckg acct # 03 | 78.93
 | DATE | NAME | DETAIL / DESCRIPTION / INFORMATION | AMOUNT |  |  |  | DATE |  |  |  |  |  |  |  |  |  | Kristin ACC# | American General Life  ($25,000) $26.58 |  |  | American General Life | Ckg acct # 02 | 26.58
 | 2022-01-14 00:00:00 | (Wife) |  | 78.93 |  |  | INDIVIDUALS  NAME | 2022-01-01 00:00:00
 | 2022-01-14 00:00:00 | (Husband) |  | 68.41 |  |  | (Husband) | 2023-01-01 00:00:00 |  | Budget # |  |  | Over Buget Amt |  |  |  |  | YEARS
 | 2022-02-04 00:00:00 | (Wife) |  | 30 |  |  | (Wife) | 2024-01-01 00:00:00 |  | 113.41 |  |  |  | Correct Answer |  |  |  | 2022-01-01 00:00:00
 | 2022-02-04 00:00:00 | (Husband) |  | 135 |  |  | Person -3 | 2025-01-01 00:00:00 |  | 82.35 |  |  |  | Correct Answer |  |  |  | 2023-01-01 00:00:00
 | 2022-02-16 00:00:00 | (Wife) |  | 78.93 |  |  | Person -4 | 2026-01-01 00:00:00 |  | 26.58 |  |  |  | Problem child !  Changing from Individual #3 to Person -3 made no difference. |  |  |  | 2024-01-01 00:00:00
 | 2022-02-16 00:00:00 | (Husband) |  | 68.41 |  |  | Person -5 | 2027-01-01 00:00:00 |  |  |  |  |  |  |  |  |  | 2025-01-01 00:00:00
 | 2022-03-10 00:00:00 | Person -3 |  | 26.58 |  |  | Person -6 | 2028-01-01 00:00:00 |  |  |  |  |  |  |  |  |  | 2026-01-01 00:00:00
 | 2022-03-16 00:00:00 | (Wife) |  | 78.93 |  |  | Person -7 | 2029-01-01 00:00:00 |  |  |  |  |  |  |  |  |  | 2027-01-01 00:00:00
 | 2022-03-16 00:00:00 | (Husband) |  | 68.41 |  |  |  | 2030-01-01 00:00:00 |  |  |  |  |  |  |  |  |  | 2028-01-01 00:00:00
 | 2022-04-14 00:00:00 | (Wife) |  | 78.93 |  |  |  | 2031-01-01 00:00:00 |  |  |  |  |  |  |  |  |  | 2029-01-01 00:00:00
 | 2022-04-14 00:00:00 | (Husband) |  | 68.41 |  |  |  |  |  | Year |  |  |  |  |  | Month |  | 2030-01-01 00:00:00
 | 2022-05-05 00:00:00 | (Wife) |  | 30 |  |  | Select An Individual : | (Husband) | I18 |  |  |  | Select An Individual : | (Husband) | O18 |  |  | 2031-01-01 00:00:00
 | 2022-05-05 00:00:00 | (Husband) |  | 135 |  |  | YEAR  : | 2023-01-01 00:00:00 | I19 |  |  |  | YEAR  : | 2023-01-01 00:00:00 | O19 |  |  | 2032-01-01 00:00:00
 | 2022-05-16 00:00:00 | (Wife) |  | 78.93 |  |  | Person -1 POLICYS : |  | I20 |  |  |  | Person -1 POLICYS : |  | O20 |  |  | 2033-01-01 00:00:00
 | 2022-05-16 00:00:00 | (Husband) |  | 68.41 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2034-01-01 00:00:00
 | 2022-06-06 00:00:00 | Person -3 |  | 26.58 |  |  | Select An Individual : | (Wife) | I22 |  |  |  | Select An Individual : | (Wife) | O22 |  |  | 2035-01-01 00:00:00
 | 2022-06-16 00:00:00 | (Wife) |  | 78.93 |  |  | YEAR  : | 2023-01-01 00:00:00 | I23 |  |  |  | YEAR  : | 2023-08-01 00:00:00 | O23 |  |  | 2036-01-01 00:00:00
 | 2022-06-16 00:00:00 | (Husband) |  | 68.41 |  |  | Person -2 POLICYS |  | I24 |  |  |  | Person -2 POLICYS |  | [NAME] |  |  | 2037-01-01 00:00:00
 | 2022-07-14 00:00:00 | (Wife) |  | 78.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2038-01-01 00:00:00
 | 2022-07-14 00:00:00 | (Husband) |  | 68.41 |  |  | Select An Individual : | Person -3 | I26 |  |  |  | Select An Individual : | Person -3 | O26 |  |  | 2039-01-01 00:00:00
 | 2022-08-04 00:00:00 | (Wife) |  | 30 |  |  | YEAR  : | 2023-01-01 00:00:00 | I27 |  |  |  | YEAR  : | 2023-01-01 00:00:00 | O27 |  |  | 2040-01-01 00:00:00
 | 2022-08-04 00:00:00 | (Husband) |  | 135 |  |  | Person -3 POLICYS |  | [NAME] |  |  |  | Person -3 POLICYS |  | O28 |  |  | 2041-01-01 00:00:00
 | 2022-08-16 00:00:00 | (Wife) |  | 78.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2042-01-01 00:00:00
 | 2022-08-16 00:00:00 | (Husband) |  | 68.41 |  |  | Select An Individual : | Person -4 | I30 |  |  |  | Select An Individual : | Person -4 | O30 |  |  | 2043-01-01 00:00:00
 | 2022-09-07 00:00:00 | Person -3 |  | 26.58 |  |  | YEAR  : | 2023-01-01 00:00:00 | I31 |  |  |  | YEAR  : | 2023-11-01 00:00:00 | [NAME] |  |  | 2044-01-01 00:00:00
 | 2022-09-15 00:00:00 | (Wife) |  | 78.93 |  |  | Person -4 POLICYS |  | I32 |  |  |  | Person -4 POLICYS |  | O32 |  |  | 2045-01-01 00:00:00
 | 2022-09-15 00:00:00 | (Husband) |  | 68.41 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2046-01-01 00:00:00
 | 2022-10-14 00:00:00 | (Wife) |  | 78.93 |  |  | Select An Individual : | Person -5 | I34 |  |  |  | Select An Individual : | Person -5 | O34 |  |  | 2047-01-01 00:00:00
 | 2022-10-14 00:00:00 | (Husband) |  | 68.41 |  |  | YEAR  : | 2023-01-01 00:00:00 | I35 |  |  |  | YEAR  : | 2023-11-01 00:00:00 | O35 |  |  | 2048-01-01 00:00:00
 | 2022-11-04 00:00:00 | (Wife) |  | 30 |  |  | Person -5 POLICYS |  | I36 |  |  |  | Person -5 POLICYS |  | O36 |  |  | 2049-01-01 00:00:00
 | 2022-11-04 00:00:00 | (Husband) |  | 135 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2050-01-01 00:00:00
 | 2022-11-16 00:00:00 | (Wife) |  | 78.93 |  |  | Select An Individual : | Person -6 | I38 |  |  |  | Select An Individual : | Person -6 | O38
 | 2022-11-16 00:00:00 | (Husband) |  | 68.41 |  |  | YEAR  : | 2023-01-01 00:00:00 | I39 |  |  |  | YEAR  : | 2023-11-01 00:00:00 | O39
 | 2022-12-07 00:00:00 | Person -3 |  | 26.58 |  |  | Person -6 POLICYS |  | I40 |  |  |  | Person -6 POLICYS |  | O40
 | 2023-01-17 00:00:00 | (Husband) |  | 168.41
 | 2023-01-17 00:00:00 | (Wife) |  | 78.93 |  |  | Select An Individual : | Person -7 | I42 |  |  |  | Select An Individual : | Person -7 | O42
 | 2023-02-06 00:00:00 | (Husband) |  | 135 |  |  | YEAR  : | 2023-01-01 00:00:00 | I43 |  |  |  | YEAR  : | 2023-11-01 00:00:00 | O43
 | 2023-02-06 00:00:00 | (Wife) |  | 15 |  |  | Person -7 POLICYS |  | I44 |  |  |  | Person -7 POLICYS |  | O44
 | 2023-02-16 00:00:00 | (Husband) |  | 68.41
 | 2023-02-16 00:00:00 | (Wife) |  | 78.93
 | 2023-03-06 00:00:00 | Person -3 |  | 26.58 |  |  | TOTAL YEARLY COST OF LIFE INS. |  | [NAME] |  |  |  | TOTAL YEARLY COST OF LIFE INS. |  | O47
 | 2023-03-16 00:00:00 | (Husband) |  | 68.41
 | 2023-03-16 00:00:00 | (Wife) |  | 78.93
 | 2023-04-14 00:00:00 | (Husband) |  | 68.41
 | 2023-04-14 00:00:00 | (Wife) |  | 78.93
 | 2023-05-04 00:00:00 | (Husband) |  | 135
 | 2023-05-16 00:00:00 | (Wife) |  | 78.93
 | 2023-05-16 00:00:00 | (Husband) |  | 68.41
 | 2023-06-05 00:00:00 | Person -3 |  | 26.58
 | 2023-06-15 00:00:00 | (Wife) |  | 78.93
 | 2023-06-15 00:00:00 | (Husband) |  | 68.41
 | 2023-07-14 00:00:00 | (Wife) |  | 78.93
 | 2023-07-14 00:00:00 | (Husband) |  | 68.41
 | 2023-08-16 00:00:00 | (Wife) |  | 78.93
 | 2023-08-16 00:00:00 | (Husband) |  | 68.41
 | 2023-09-05 00:00:00 | Person -3 |  | 26.58
 | 2023-09-14 00:00:00 | (Husband) |  | 68.41
 | 2023-09-14 00:00:00 | (Wife) |  | 78.93
 | 2023-10-16 00:00:00 | (Wife) |  | 78.93
 | 2023-11-16 00:00:00 | (Wife) |  | 78.93
 | 2023-12-01 00:00:00 | Person -3 |  | 26.58
 | Totals for 2022 ----->
 | DATE | AMOUNT
 | 2023-01-01 00:00:00
 | 2023-02-01 00:00:00
 | 2023-03-01 00:00:00
 | 2023-04-01 00:00:00
 | 2023-05-01 00:00:00
 | 2023-06-01 00:00:00
 | 2023-07-01 00:00:00
 | 2023-08-01 00:00:00
 | 2023-09-01 00:00:00
 | 2023-10-01 00:00:00
 | 2023-11-01 00:00:00
 | 2023-12-01 00:00:00
 | SELECT
 |  | (FH)   $75,000 Policy                                    TRANSAMERICA INSPAYMENT
 |  | 2022-02-04 00:00:00
 |  | CATAGORIES TO CHOOSE FROM
 |  | Company
 |  | (DH)   $100,000 Policy                                 TRANSAMERICA INSPAYMENT
 |  | (FH)   $75,000 Policy                                    TRANSAMERICA INSPAYMENT
 |  | (FH)  $300,000 Policy                                   Minnissota Life
 |  | (DH)  $100,000 Policy                                  Minnissota Life
 |  | What Policy?
 |  | COMPANY NAME LIST
 |  | (DH)   $100,000 Policy                                 TRANSAMERICA INSPAYMENT
 |  | (FH)   $75,000 Policy                                    TRANSAMERICA INSPAYMENT
 |  | (FH)  $300,000 Policy                                   Minnissota Life
 |  | (DH)  $100,000 Policy                                  Minnissota Life
 |  | MONTH LIST
 |  | 2022-01-01 00:00:00
 |  | 2022-02-01 00:00:00
 |  | 2022-03-01 00:00:00
 |  | 2022-04-01 00:00:00
 |  | 2022-05-01 00:00:00
 |  | 2022-06-01 00:00:00
 |  | 2022-07-01 00:00:00
 |  | 2022-08-01 00:00:00
 |  | 2022-09-01 00:00:00
 |  | 2022-10-01 00:00:00
 |  | 2022-11-01 00:00:00
 |  | 2022-12-01 00:00:00
 | B175 | SELECT CATEGORY |  | (FH)  $300,000 Policy                                   Minnissota Life
 | B176 | SELECT MONTH |  | 2022-02-01 00:00:00
 | B177 | TOTAL
 |  |  |  |  |  | Month/YR
 |  |  |  |  |  | 2022-01-01 00:00:00
 |  |  |  |  |  | 2022-02-01 00:00:00
 |  |  |  |  |  | 2022-03-01 00:00:00
 |  |  |  |  |  | 2022-04-01 00:00:00
 |  |  |  |  |  | 2022-05-01 00:00:00 |  |  |  |  |  |  |  |  |  | Company | Amounts |  | DRP-DWN COMP. | DRP-DT | AMOUNT FORMULA
 |  |  |  |  |  | 2022-06-01 00:00:00 |  |  |  |  |  |  |  |  |  | (DH)   $100,000 Policy                                 TRANSAMERICA INSPAYMENT |  | 2022 | (FH)  $300,000 Policy                                   Minnissota Life | 2022-01-01 00:00:00 | SUMPRODUCT(((YEAR(G$191:G$298)=YEAR(U$196))*($R$197:$R$205<>"")*($R$197:$R205)))
 |  |  |  |  |  | 2022-07-01 00:00:00 |  |  |  |  |  |  |  |  |  | (FH)   $75,000 Policy                                    TRANSAMERICA INSPAYMENT |  | 2023 | What Policy? | 2023-02-01 00:00:00
 |  |  |  |  |  | 2022-08-01 00:00:00 |  |  |  |  |  |  |  |  |  | (FH)  $300,000 Policy                                   Minnissota Life | 0 | 2024 | What Policy? | 2024-01-01 00:00:00
 |  |  |  |  |  | 2022-09-01 00:00:00 |  |  |  |  |  |  |  |  |  | (DH)  $100,000 Policy                                  Minnissota Life | 0 | 2025 | What Policy? | 2025-01-01 00:00:00
 |  |  |  |  |  | 2022-10-01 00:00:00 |  |  |  |  |  |  |  |  |  | What Policy? | 0 | 2026 | What Policy? | 2026-01-01 00:00:00
 |  |  |  |  |  | 2022-11-01 00:00:00 |  |  |  |  |  |  |  |  |  |  | 0 | 2027 | What Policy? | 2027-01-01 00:00:00
 |  |  |  |  |  | 2022-12-01 00:00:00 |  |  |  |  |  |  |  |  |  |  | 0 | 2028 | What Policy? | 2028-01-01 00:00:00
 |  |  |  |  |  | 2023-01-01 00:00:00 |  |  |  |  |  |  |  |  |  |  | 0 | 2029 | What Policy? | 2029-01-01 00:00:00
 |  |  |  |  |  | 2023-02-01 00:00:00 |  |  |  |  |  |  |  |  |  |  | 0 | 2030 | What Policy? | 2030-01-01 00:00:00
 |  |  |  |  |  | 2023-03-01 00:00:00 |  |  |  |  |  |  |  |  |  |  | 0 | yrs | What Policy? | 1905-07-16 00:00:00
 |  |  |  |  |  | 2023-04-01 00:00:00
 |  |  |  |  |  | 2023-05-01 00:00:00
 |  |  |  |  |  | 2023-06-01 00:00:00
 |  |  |  |  |  | 2023-07-01 00:00:00
 |  |  |  |  |  | 2023-08-01 00:00:00
 |  |  |  |  |  | 2023-09-01 00:00:00
 |  |  |  |  |  | 2023-10-01 00:00:00
 |  |  |  |  |  | 2023-11-01 00:00:00
 |  |  |  |  |  | 2023-12-01 00:00:00
 |  |  |  |  |  | 2024-01-01 00:00:00
 |  |  |  |  |  | 2024-02-01 00:00:00
 |  |  |  |  |  | 2024-03-01 00:00:00
 |  |  |  |  |  | 2024-04-01 00:00:00
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