Anyone up for a challenging IF/AND/OR FORMULA to compute commission based on mul variables

I've used the forum to help me solve several issues but I've browsed for an answer to this dilemma and haven't been unable to find a thread that will help solve this particular problem. Hoping one of you is up to the challenge and knows how to do this (I'm pretty sure I need some variation of a IF/AND/OR formula. I tried to write one up that will work, but frankly my knowledge of excel just isn't what it needs to be to do a formula this complicated. Or maybe I'm going about this all wrong, I dont know (I'm open to suggestions if any of you read this and think, "man....there's an easier way to get this information".

Here's the scoop: A friend has asked me to build him a spreadsheet that will help confirm the commission checks he receives from an insurance broker are correct (He and I both use Excel 2010, I have Windows 7 and he has Windows 8). I've created the attached spreadsheet and have entered formulas to correctly compute the net commission amount (column M) on each policy he signs. All he needs now is to be able to print out something each month that tells him which f these policies pay out in that particular month/year. It would also be helpful if he could print this report out so it groups the policies by Insurance company, then Customer Name/Policy number (I'm sure I can do this last part with a pivot table, which I started on Sheet3, if someone can help me get a formula first that will decipher if the policy should pay that month/year)


So here are the variables that would make a policy pay each month/not pay each month:

1. All policies pay in the month they go effective (column H). So if the date that's entered in that column happens to fall in the same month and year as the report dates he's trying to print his report for, then it would pay.
2. After a policy is signed and pays on the initial, first month---- it will then pay one of three ways: Monthly, every 6 months or every 12 months (column K). The renewal date typically lines up with the 6 month or 12 month mark, but I don't know that that would always be true as I'm sure some policies (like life insurance could just go on and on, never having a renewal date, but could pay out a commission at the 6 month or 12 month mark)...because of this, I thought the =MONTH FORMULA WITH A +6 might work, but not sure.
3. A policy does not pay in the month it terms (column J) or any months after it terms (he will also be marking these policies as "IN-ACTIVE" in column A if that would help in the creation of the formula)

Starting with column N, I've put one column for each month and I was thinking if I could get an IF/AND/OR formula on each policy for each month this would work (again, I'm open to suggestions if you don't think this is the easiest way to obtain this info.)


One of the factors that's making this so diffficult is that the formula will need to take into account the year for effective date and term date but not take into account year when it's configuring renewal date as a policy should always pay on a renewal date regardless of what year it is.

So for example, based on the data I've provided:

1. John Doe's Auto policy would pay out beginning in February 2014 for $ 60. It will then pay out another $60 in 6 months in August 2014, and again in Feb and Aug of 2015 and so on....
2. Sam Tingle's policy would pay out $225 for the first time in Feb 2014 and then every February each year after that.
3. David Smith's policy should have begun paying $7.50 starting in January 2013 and paid $7.50 every month up until March 2014 when it terminates. So Feb 2014's commission report should show a $7.50 commission payout and March's report should show $0 commission.

Taking into account all five 5 customers I've entered, this is the information I'm trying to obtain:

Jan 2014's commission report should show a total payout of $75 ($7.50+$67.50)
Feb 2014 would be $375 as all five policies would pay that month
Mar 2014's payout would be $67.50 for Troy Fisher only as every other policy either doesn't pay that month or has terminated that month.
I was thinking it would be nice if there was a cell he could put the year in and then the monthly columns would just compute for that year. Is this even possible?I'm not completely sure. Anyone have any suggestions ? I know there's commision reporting software out there that he could purchase that would do this, but frankly he's broke and can't afford it. Any help with this would be greatly appreciated!