Maybe like this:

=IF(AND(ISBLANK(BU26),NOT(ISBLANK(BU29))),AH!E19,I F(AND(NOT(ISBLANK(BU26)),BX26="Single",ISBLANK(BU2 9)),SL2!E19,IF(AND(NOT(ISBLANK(BU26)),BX26="Joint" ,ISBLANK(BU29)),JL2!E19,IF(AND(NOT(ISBLANK(BU26)), BX26="Single",NOT(ISBLANK(BU29))),'SL&AH2'!E19,IF( AND(NOT(ISBLANK(BU26)),BX26="Joint",NOT(ISBLANK(BU 29))),'JL&AH2'!E19,IF(AND(ISBLANK(BU26),ISBLANK(BU 29)),NONE3!E19,""))))))

Hope this helps
Rowan

Bill R wrote:
Why can't I get the formula below to work? There are 6 sheets in my
worksheet, each of which calculates a payment with different options. The
formula is located on a 7th sheet that is in the same workbook. The formula
should pull the correct payment from the correct sheet based on the options
selected by a customer who will put an "x" in one, or both of two boxes and
choosing either "single" or "joint" life Ins. I have put several hours into
this one formula; any suggestions? Please.

=IF(IF(AND(ISBLANK(BU26),NOT(ISBLANK(BU29)),AH!E19 ),
(IF(AND(NOT(ISBLANK(BU26)),(BX26="Single"),ISBLANK (BU29)),SL2!E19),IF(AND((NOT(ISBLANK(BU26))),(BX26 ="Joint"),ISBLANK(BU29)),JL2!E19),IF(AND((NOT(ISBL ANK(BU26))),(BX26="Single"),NOT(ISBLANK(BU29))),'S L&AH2'!E19),IF(AND(NOT(ISBLANK(BU26)),(BX26="Joint "),NOT(ISBLANK(BU29))),'JL&AH2'!E19),
(IF(AND(ISBLANK(BU26),ISBLANK(BU29)),NONE3!E19)))

Thanks.