Using Multiple checkboxes, pull data from vlookup and then sum

[Brennanbennett]

I am trying to use checkboxes to help consolidate totals for life insurance quotes.
Check boxes: Whole Life, and four different rider checkboxes each are linked to a cell in a different sheet for the true and false.

I have used a vlookup for each of those descriptions in the checkboxes in different columns in the sheet based on age. Each age has a different price. I have this formula.
Age formula based on birthdate: =IF(OR(ISBLANK(D6),),"",DATEDIF(D6,TODAY(),"Y"))

Vlookup formula based on the age cell: =IFERROR(VLOOKUP($I6,WHOLE_LIFE,2,TRUE), )

I now need to take the results from the age determined cells and sum them depending on what boxes are checked.
The formula I have for whole life sum by itself: =IF($AF6>0,(($AF6*($J6+$L6)))+24)/12
This is the monthly cost of a whole life with the $24 certificate fee included. $AF6 is the number of units a customer may want in life insurance.
But I also need to add the riders in and those are optional, so i need a quote based on the checkboxes they have chosen from the riders which are also based on age and how many units the customer may want to purchase.
For example, if the whole life box, the waiver rider and the chronic rider are checked I need the information from my vlookup columns where the age cell determined what was looked up to be totaled together.

I hope I explained this correctly.

Any help would be very much appreciated!