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Default Calculating ages and volumes: Macro or formula?

I have a preset spreadsheet that is supposed to calculate ages and
premiums. My plan was to use a macro to pull in a weekly demographic
"sheet 1" and from there the "worksheet" would calculate how many
people in a given age group and their volumes. For example on the
"worksheet" to calculate how many people are between the ages of 0 and
29 I have the formula:
=SUMPRODUCT(--(Sheet1!AU1:AU11=0),--(Sheet1!AU1:AU11<30))

However, That will get all the people between 0-29, and no necessarily
just those people who have a product. So what I need to do is figure
out the number of people between 0-29 (column AU) who have coverage
(column AG0 and column AH =0) So I figure I need to add in a =COUNTIF
but can I combine a countif with a sumproduct in one formula?

Then I was wondering if it would just be easier on "sheet 1" to create
a macro that would just do a loop through the sheet and calculate ages
and volumes. Even though I have AU1:AU11 on my formula that is just a
tester and I will have to figure out how to do it for a whole
spreadsheet that could run up to 10000 records.

Any thoughts on how I should go about this would be much appreciated.

Thanks!
Mary

 
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