Advanced If or Match(index) vba... not really sure.

I'm asking the excel gods to assist me with this problem I am having.
I need help in creating a vba for the following:TRFA.xlsx

In sheet 1 of my excel, I need to fill in column I and J.

Column I and J's data in on sheet 2 "Terminal Reserve File Factors."

In sheet1, If the *** is Male (column B), then you use the Terminal Reserve File for Males (column F).
If the *** is Female (column B), then you use the Terminal Reserve File for Females (column G).

The next step is now that you have the issue age (column C), duration (column E), and the right Terminal Reserve File, you can get the Factor (column D) that is in worksheet, "Terminal Reserve File Factors."

Column I would be the corresponding Factor based on the Terminal Reserve File, Issue Age, Duration, and ***.
Column J would be the subsequent factor.


The attachment is a small snippet of the real file, which was too large to upload.
I did an example in I2:J2. The larger file looks just like the only I uploaded except for the fact sheet one has 16032 rows and sheet two has 672031 rows.
There are a couple policies where there is no terminal reserve file (column F or G), so skip.

I inserted a Col A in your Terminal Reserve File Factor Sheet
=F2&D2&C2 copied down

Then in I2 of Sheet1 copied down
=IFERROR(INDEX('Terminal Reserve File Factor'!$E$2:$E$776, MATCH(B2&E2&C2, 'Terminal Reserve File Factor'!$A$2:$A$776,0)),"")

In H2
=IFERROR(INDEX('Terminal Reserve File Factor'!$E$2:$E$776, MATCH(B2&E2&C2, 'Terminal Reserve File Factor'!$A$2:$A$776,0)+1),"")

Hmmm, looking at my file, can you give some examples of what you would expect as opposed to what I got? In the example, it only gave numbers for row 2 and 6 but I figured that was because you said you cleared a lot of data.

Okay, so in your example, for the TRFF (Terminal Reserve File Factor) tab, you only have M under the *** column. On Sheet1, row 4 for exaample, the *** is female. How would that get a Factor value?

Another example, Row 3 is Male with a duration of 25 and an issue age of 37. There are no rows in TRFF tab that match that issue age.