Web Page Design Question

I am having a tough time coming up with a good design for a webpage.
The following is a brief description of what i am trying to achieve.
The requirement is for an insurance company and the goal is to gather
insurance policy information to give its users a quote.

The user can add/edit/delete policies before submitting it and going to
the next step.

Each Policy can have 1 Amount (required) and 0 to 3 fees associated
with it.

At a given time a user can add a maximum of 8 rows.where each
amount/fee is considered a row. So if user enters all rows (1 Amount
and 3 Fees) for the policies then the user can add a maximum of 2
ploicies. On the other hand if the user wants to enter just the Amount
then he can go to 8 policies. I have developed the webpage for this
requirement using layers but there I had to write a lot of code for
that. I am sure there is a better way to handle such a situation and
that is what i am looking for.

I am unable to include the code with this post due to its size. If
anyone is interested in looking at the code i can email it to them.