Term Insurance - Cost of Waiting Software??

This may be a stupid question, but is anyone familiar with software which can mathematically help a client determine as to whether it makes sense to replace their existing term coverage now, verses, waiting until the end of their term period, which is ending in "x" years?

Meaning, most clients will say that they'll replace their term coverage in "x" years when their policy expires/terms out, rather than changing course now and extending their term coverage for the long haul. Obviously, there's the typical.. "your health could change, and you could become uninsurable" point, but is there a
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