You didn't exactly help us to help you did you? Your original post gave
nothing that suggested that the option was split over two cells.

You can simplify your formula to

=IF($B$3="Male",IF($B$4="Non-Smoker",'Premium Rate Table'!L4,'Premium Rate
Table'!L5),
IF($B$4="Non-Smoker",'Premium Rate Table'!L6,'Premium Rate Table'!L7))

--

HTH

Bob

"Anthony" wrote in message
...
Thanks guys,

I've spent the last few hours working on this and I figured it out! My
formula as follows:

=IF($B$3="Male", IF($B$4="Non-Smoker", 'Premium Rate Table'!L4, 'Premium
Rate Table'!L5), IF($B$3="Female", IF($B$4="Non-Smoker",'Premium Rate
Table'!L6,'Premium Rate Table'!L7)))

B3 = Drop down list where you can choose "Male" or "Female"
B4 = Drop down lise where you can choose "Non-Smoker" or "Smoker"
'Premium Rate Table' = Separate Worksheet with the Premium Rate Tables.
L4 = Male Non-Smoker Premium Rate
L5 = Male Smoker Premium Rate
L6 = Female Non-Smoker Premium Rate
L7 = Female Smoker Premium Rate
The L# fields already have a VLOOKUP formula to obtain the correct Premium
Rate when the relevant Age is entered.

Thanks for your responses anyway.

Anthony