Set up your reusable Name/Age/Address form like so (most likely in the init() method of an extension, so you wouldn't see most of this code in your action.)
$littleForm = new Zend_Form();
$littleForm->addElement(new Zend_Form_Element_Text('name'));
$littleForm->addElement(new Zend_Form_Element_Text('age'));
$littleForm->addElement(new Zend_Form_Element_Text('address'));
$littleForm->addElement(new Zend_Form_Element_Submit('submit'));
Since you don't need any other decorators for the NAA form, you set FormElements as the only decorator and remove the submit button from the NAA form
$littleForm->setDecorators(array('FormElements'));
$littleForm->removeElement('submit');
Set up your display/main form like so, and set the order of the NAA form when you add it as a subForm so it displays above the elements of the main form.
$bigForm = new Zend_Form();
$bigForm->addElement(new Zend_Form_Element_Text('shippingAddress'));
$bigForm->addElement(new Zend_Form_Element_Submit('submit'));
$bigForm->addSubForm($littleForm, 'littleForm', 1);
$this->view->form = $bigForm;
Display the form in the view script
echo $this->form;
That's how you do it using decorators. Personally, I cheat and display my forms through a partial script and only use the decorators to render the input elements. Probably you'd want labels and things too...