What is the formula used to calculate the monthly insurance pay for a loan?

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So, basically, I need to create a loan calculator in the Excel and one of the points is insurance bonus, it's also paid monthly, but I don't know the formula? I only know that it depends on the age and the remaining amount of loan. How to calculate it in Excel knowing that the payment will be done monthly so that means that the age changes when it's passed 12 months, and I have no idea how to change it as well. Can someone please help?

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I think you can have a detailed explanation with Excel formula here

Monthly Payment Formula