Index match with multiple criteria

So I think what I need is a index match formula but not 100% sure.

Basically what I need is an insurance calculator which takes into account age, *** and
smoking status determine the premium based on amount of coverage requested.

I've included an attachment with the template.

On worksheet #1 includes variables (age, ***, smoking status, insurance coverage). Colum B I have used validations so only the user can only select the age range, if they are male/female etc.

So what I need is based on the above criteria search in worksheet 2 to come up with the correct premium.


Worksheet # 2 has all of the rates applicable to the age band, *** and smoking status. Rates are per $1,000 of coverage