Based on my interpretation of the formula you're missing a closing parenthesis after the first INDEX ... also your reference to the second range is seemingly missing a row (112 rather than 113 I think ?)
=IF(B18="CL/SPOUSE",INDEX(CONPOINTS!B112:C161,MATCH(F18,CONPOINTS!A112:A161,0),MATCH(C18,CONPOINTS!B112:$C$112,0)),INDEX(CONPOINTS!D112:E161,MATCH(F18,CONPOINTS!A112:A161,0),MATCH(C18,CONPOINTS!C112:D112,0)))
or written another way:
=INDEX(IF(B18="CL/SPOUSE",CONPOINTS!B112:C161,D112:E161),MATCH(F18,CONPOINTS!A112:A161,0),MATCH(C18,IF(B18="CL/SPOUSE",CONPOINTS!B112:C112,CONPOINTS!C112:D112),0))
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