Untitled

\begin{table}[]
\begin{tabular}{|l|ll|ll|}
\hline
\multicolumn{1}{|c|}{}          & \multicolumn{2}{c|}{$\lambda = 0.1$}                      & \multicolumn{2}{c|}{$\lambda = 0.2$}                      \\ \hline
\multicolumn{1}{|c|}{Descuento} & \multicolumn{1}{c|}{Año 2+} & \multicolumn{1}{c|}{Costo}  & \multicolumn{1}{c|}{Año 2+} & \multicolumn{1}{c|}{Costo}  \\ \hline
\multicolumn{1}{|c|}{$0\%$}     & \multicolumn{1}{c|}{952}    & \multicolumn{1}{c|}{285600} & \multicolumn{1}{c|}{1813}   & \multicolumn{1}{c|}{543900} \\ \hline
$30\%$                          & \multicolumn{1}{l|}{861}    & 180810                      & \multicolumn{1}{l|}{1484}   & 311640                      \\ \hline
$50\%$                          & \multicolumn{1}{l|}{8187}   & 1228050                     & \multicolumn{1}{l|}{6703}   & 1005450                     \\ \hline
Total                           & \multicolumn{1}{l|}{10000}  & 1694460                     & \multicolumn{1}{l|}{10000}  & 1860990                     \\ \hline
\end{tabular}
\caption{Ingreso por primas para el segundo año en adelante}
\label{tab:my-table}
\end{table}