i need the formula

I J J K L M N O P Q R S B D E F G H 1 To hedge your company's risk exposure, you are buying reinsurance from another 2 Insurance company Just in case some of your policy holders die early. Below is a 3 table of rates, by gender, of term life insurance for $10,000 of insurance PER YEAR. 4 Calculate this year's cost to your company of hedging your policy risk by buying reinsurance. 5 Be sure to ROUNDDOWN the number of units you will need to buy for each individual 6 since the reinsurance is only sold in whole units of $10,000. Format cells nicely (keep 2 decimals). 7 8 This Year's Cost Policy Current Age Amount 39 250,000 33 105,000 55 60,000 20 95,000