Confusing results

My first post was incorrect re details. It was 10 year term and I'm into it 4 years. So I put 6 more specials in at 1600 per year and a 500000 actual dollars (which the program discounted to 466359) in 2015. To have it make sense, I had to change my last IRA contribution, first withdrawal (1!) etc.
Ran the calc and NOW it tells me to buy life insurance!!! That is, if I understand the "Life insurance" column in Annual Recommendations. It says to buy 229,766 245,806 260,234 275,643 285,990 296,714 356,562 insurance for 7 years (I have 2008 included).
So if I interpret this correctly, the program is now telling me that I can live better if I buy insurance now "knowing" that I'm going to die (I made that assumption) when I'm 66 and wife will "collect insurance", i.e. the special receipt????
AND I notice that it has me spending money to buy that insurance even though I already have premiums entered as a "special".
What's going on and how to I model this? :?: