Hello Data base Expert

Please help me to do the following questions, I think we need a formula or function. Please let me know what kind of formula to be used for this.

We also need to ensure that once a car reaches a certain age, insurance coverage should be re-evaluated. Could you please create a query to determine the driver's first and last name, street address, auto type, auto year, and insurance agent ID for all records in the database. Use a function to determine if the Auto Year is 2020 or older than 2020, the text "Evaluate Coverage" should appear. If the Auto Year is not older than 2021, the text "OK" should appear. Name the resulting field Coverage. Save the query as Evaluate Coverage.

Thanks in advance