Reduce insurance coverage amount by certain percentage of coverage at 70 and calculate rates

Summary:

Looking for ways to configure automatic coverage reduction based on age for life insurance plan, without using Fast formula

Ex : reduce coverage amount entered by employee during enrollment by certain percentage when age reached 70

Ex : When employee enters 10,000 during enrollment, the coverage must be reduced by 80% of 10000 based on age.

To test this, initially Iam trying to keep coverage amount default 10000 ( flat ) and create variable coverage profile that multiples ( flat mount, value 0.8, treatment rule multiply) with standard coverage ( flat amount). However, the rate calculation is done by taking the coverage amount,10000. Variable coverage rule is not applied to coverage.