> "Update or Insert" can perform also update but I want to replace update totally with delete and insert,of course with BEFORE UPDATE TRIGGER

And all this because you are afraid to rub your fingers off typing
one more trigger?.. Have you ever heard about copy-paste? May be you
heard about code reuse, so you can carry common code into Stored
Procedure...
If all this is not an option for you, you can replace table with
view. In this case you can implement any crazy logic in triggers.

SY, SD.