IFS with AND and multiple falses

I am trying to write a IFS statement using a drop down box to select a product to generate a commission amount to fill into the box.

So I have 4 products lets say they are auto, home, life and accident.  For employees enrolled less than a year you get a commission of 5, 10, 7 and 8 respectively.  For any employee enrolled over a year, the commissions are 2, 3, 0 and 4 respectively.

I know how to build an IF statement with AND for one product, but how do I build it for those multiple scenarios with with use of the drop down box?

Been looking all over the internet and not finding much.

Thank you.