Gwen is a single parent who earns $40,000 per year. Her household expense are $28,000 per year. If she were to die, she estimates that the costs of her death would be $10,000. She has not participated in Social Security long enough to be fully insured. She would also want her life insurance to provide an education fund for her 10-year-old twins and a lump sum for their continued care, which she estimates at $15,000 annually until they are 18.

Would an income-multiple approach result in Gwen's purchase of sufficient life insurance?