Ignore set analysis when filtering on a field value HELP!!!

[#1]

I need to sum premium amounts where the PLAN NAME includes the word Life or Health and when the MONTHLY INCOME is greater than $1,000.  Then I also need to include PLANs that are identified as a APP TYPE of Senior regardless of monthly income and plan name.  My problem is when I filter on other APP TYPES  I cant get exclude the Senior APP TYPES.  Any suggestions. would be greatly appreciated....

Sum({$<PlanName={'*Life*','*Term*''}>*<HouseholdMonthlyIncome={">1000"}>+<AppType={'Senior''}>}AnnlzdPremium)

Data Sample:

SaleID	APP TYPE	HouseholdMonthlyIncome	PLAN NAME
4a826894-6825-4150-9c62-928344725d23	Basic	1000	WHOLE LIFE NON SMOKER
10a7e0a5-270a-48af-bc71-3945916dd366	Basic	1400	WHOLE LIFE NON SMOKER
6381779d-c62c-4f2c-a705-574191a2aab3	Senior		PREFERRED LIFE SMOKER
e9d2eac8-1d29-41ab-991f-d78b8cb7e713	Basic	1000	WHOLE LIFE NON SMOKER
f231b1d6-ddb2-4e3c-8559-a90a17f1ba54	Basic	7400	PREFERRED LIFE SMOKER

[#2]

also

Sum({1<[APP TYPE]=>}AnnlzdPremium)

is giving you the whole data set, by the 1 being there, the [APP TYPE] modifier isn't actually doing anything

Joe