Finding the minimum based on two criteria but one of them is Variable.

[smalik]

Various insurance policies are prioritized in this order.

Many owners have only handful policies. What is the best way to find the earliest month their policy is effective based on the above criteria?
For example,

1. YOUNED1 has two Auto policies. Since this is the first criteria it should look for the earlier effective policy month based on Auto and YOUNED1. The result should be March (3)
2. GENNTH1 does not have an Auto policy so formula should automatically look for the next item on the list which is EXFL. In this case since there is only one EXFL policy, the result should be Dec (12)

Can this be done without writing a VBA code? It can be done using multiple columns.
I started thinking about "vlookup" as first step but then I got lost

Any help is greatly appreciated.

 

[smalik]

Never mind. I figured it out using the MINIFS twice