in the table are four fields (Auto, Homeowners, Life, Renters)
I also figure the db is not normalized based on that statement. You probably designed it the same way you create spreadsheets because that's what you're used to. If you fix that problem now, a lot of issues like this will go away or never get raised in the first place. What you want to do can be accomplished by some kind of work-around (like making a choice on a form control that dictates which query thus which field to use for a report) but the idea is to eliminate the work arounds as much as possible. Using a UNION query is also an option, but I see that as needing another query to filter the 'normalized' results that it would create from un-normalized data, and all of that can be prevented from the get-go.
The more we hear silence, the more we begin to think about our value in this universe.
Paraphrase of Professor Brian Cox.