One way using a data validation restricted cell (g14) with msn,ms,fns,fs
=INDIRECT("a"&LOOKUP(G14,{"fns","fs","mns","ms";3, 4,1,2}))

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Don Guillett
Microsoft MVP Excel
SalesAid Software

"Anthony" wrote in message
...
Hi,

I'm trying to create a Life Insurance Calculator within Excel. I've
already
done a VLOOKUP to get the Relevant Premium Rate, but now I need to be able
to
reference back to them given the option. The four options available a
1. Male Non-Smoker
2. Male Smoker
3. Female Non-Smoker
4. Female Smoker

For example:
1. If Male AND a Non-Smoker, I want to refer to Cell A1
2. If Male AND a Smoker, I want to refer to Cell A2
3. If Female AND a Non-Smoker, I want to refer to Cell A3
4. If Female AND a Smoker, I want to refer to Cell A4

Any help is much appreciated.

Thanks