My Aunt and Uncle wants me to look into options for their term life to 100 life

My aunt (who doesn't speak much english) bought a term life to 100 at age 54 in 2010 with face value $250k. Her actual question is: if she can extend her insurance to whole life because, as she understands it, her life insurance is only for 20 years, which is kind of true because the premium is only guaranteed for 20 years, after which it sky rockets.

This year, she is 67 and she wants to know what her options are. There is no cash value as far as I know since it is a term life and not whole life. The guaranteed premium period is 20 years. so in 2030. The premium will sky rocket from an annual $1600 to a maximum of $21K and increase every year from there.

She seems to be in good health. So far, I have a few thoughts and questions, please help chime in with more thoughts and options:

Questions:

Will the actual premium increase be to the maximum amount? or will it be something more tolerable? There are probably laws around this to where it has to be actuarially sound or something like that. Idk is there a way to convert to whole life?

Thoughts:

Ride out her insurance to age the end of the guaranteed period. Though it doesn't seem likely she'll die in 7 years. I know there might be companies out there who will do STOLI. Ballpark, how much money can she get back if she sells her policy? Are there any other options that would be financially smart here?

Edit: also, my uncle, same boat but he was 60 in 2010. And his premium is $2k a year, over $63k maximum premium when the guarantee period is over. He also seem to be in good health

submitted by /u/Legitimate_Cable_811
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