What Is an IF Formula for Searching a Table for the Value Of a Cell?

I need to find a formula that will give me the value of a cell in another table. And there are four criteria that needs to be met. so the user will enter the age, gender, tobacco use and a product type. Once those four choices are made the formula should give us a dollar amount from a cell and another table.
Working in insurance we need to be able to calculate insurance quotes quickly. I’ve created a calculator to do that but a lot of the information has to be done manually leaving room for user error. With the calculator this formula will do it automatically without error since they are only making selections. Our company has it setup on the website however it takes longer requiring all their details. I need to be able to show them accurate quote quickly before we get get to the actual application.
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Quincy