A weights vector is composed of contiguous worksheet cells (horizontal or vertical). Each cell contains a one-year weight starting at AgeIns. The last weight is used until the end of the insurance coverage period.
For ease of use in the various Excel formulas, the range of cells can be contained in a named range.
100% insurance coverage for the first 5 years, 50% thereafter.
Insurance coverage declining by 10% each year until it reaches a 50% coverage.