Recommendations & Decision — Lynton Protection Hub

Recommendations & Decision Process

Holding Page

After completing the Risk Review questionnaire, the client lands on a holding page while the adviser prepares their recommendations. The page shows a reassuring message: "We've received your information and your adviser is reviewing everything. You'll be notified when your personalised recommendations are ready."

Recommendations Page

Once the adviser records and adds a Loom video URL to the client's journey, the Recommendations page becomes available. It includes:

Embedded Loom video — The adviser's personalised video explaining their recommended protection package
Protection value summary — Calculated values showing the client's mortgage amount, estimated monthly needs, and current cover level
Written summary — Optional text summary of the recommendations (added by adviser)
Provider health questions link — Optional link to provider's health questionnaire
Documentation video — Optional second Loom video covering the paperwork/documentation process
"Ready to decide" button — Takes the client to the Decision page

Decision Page — Three Options

The client is presented with three clearly distinct options:

Option 1: Proceed Protected

The client wants to go ahead with the recommended protection. They sign a digital declaration confirming their decision. The journey status changes to "proceeded" and the adviser is notified to begin the application process.

Option 2: Park ("Not Right Now") Thinking About It

The client understands the value but isn't ready to commit right now. They acknowledge that the adviser will follow up. The system automatically creates follow-up reminders at 3, 6, and 12 months. The journey status changes to "parked".

Option 3: Decline Not Proceeding

The client chooses not to proceed with protection. Before declining, they must acknowledge five specific risks:

"I understand that without life insurance, my mortgage debt may pass to my estate or dependants if I die."
"I understand that without critical illness cover, I may face significant financial hardship if diagnosed with a serious illness."
"I understand that without income protection, I may struggle to meet my financial commitments if I cannot work due to illness or injury."
"I understand that Statutory Sick Pay (currently £116.75 per week) may be my only income if I cannot work."
"I acknowledge that I have been advised of the risks and have chosen not to proceed with protection at this time."

All five must be acknowledged before the decline can be submitted. The system creates follow-up reminders. The journey status changes to "declined".

Digital Declaration

All three decision types require a digital signature (typing their full name) and timestamp. The declaration records:

Decision type (proceed, parked, or decline)
Signature name
Timestamp
IP address
User agent
Acknowledged risks (for decline only)

Follow-Up Reminders

When a client parks or declines, the system automatically creates three follow-up reminders:

Reminder	Timing	Purpose
3-month check-in	3 months after decision	Initial follow-up — circumstances may have changed
6-month check-in	6 months after decision	Mid-term follow-up
12-month check-in	12 months after decision	Annual review — mortgage anniversary, life changes

Protection Hub Documentation