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Default What formula/function can I use?

I'm creating a spreadsheet for a client and I'm not sure what
formula/function I need to do this:

I created a table with over 500 available values. I then created (on a
separate sheet) a form to input the customers information. 4 pieces of the
customer's information need to be used to figure out the correct price - Age,
Tobacco or No, Male or Female, and amount of coverage.

I need to be able to reference the right cell in my table according to how
the 4 above criteria are met, and plug that value back on to my customer
information page to show the customer their cost for choosing that amount of
coverage.

Hope that makes sense and any help will be appreciated :-)
--
Thanks,
mekus31
 
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