Sum function for multiple recordsets?

I'm getting a health insurance quote engine going... http://www.insuranceshoppers.net/getquotes/short-term-health.php ... it sends me an email with the info, and enters the info into a "leads" table in mysql. Then I want to have it show the rates (on a new page using $_GET) from a table I have setup with the rates of multiple companies. Since the rates are based on age and gender and it could be 1 or 2 people plus the possibility of adding children (the total rate is just the sum of each persons individual rate), I've been working on making a recordset for the primary applicant, the spouse, and children and telling it to add them together. (that seems like the easiest way, but I'm a newbie) My question: is there a php function or a way I can create the 3 recordsets in Dreamweaver and tell it to just add them up and display the results in a repeat region? And is this even the best way to approach it? Cheers, Jay