Risk Review Questionnaire — Lynton Protection Hub

Risk Review Questionnaire — Complete Reference

The Risk Review is the heart of the Protection Hub. It's an 18-question guided questionnaire designed by Rob Davies to collect the information needed to make personalised protection recommendations. The questions are presented one at a time with smooth animations, auto-saving progress, and "reality check" interstitials between sections.

Design Principles

Questions are phrased conversationally — like something Rob would say in a meeting
Each section has a distinct colour theme for visual variety
Progress is auto-saved every time the client moves to a new question
Clients can leave and return — their progress is preserved
Reality check interstitials between sections ground the client in real statistics

Question Flow Order

Rob's deliberate ordering rationale:

Before We Start — Capture the client's name and confirm they've read the report
What Worries You — Tap into emotions while the Risk Reality report is fresh
Your Safety Net — Test whether their worries match their actual financial reality
Your Priorities — Armed with reality, what do they actually want?
Your Health — Practical info needed for recommendations (saved for last to avoid early drop-off)
What Happens Next — Confirmation and set expectations

Section 1: Before We Start

Theme: Navy — "Just a couple of quick things before we get into the important stuff"

Question 1 — Your Name

Text: "Your name (first name and surname initial)"

Subtitle: "Please provide both names for joint applications"

Type: Free text input

Required: Yes

Field: clientName

Icon: User

Note: Question 2 was removed in a previous iteration. The numbering jumps from Q1 to Q3.

Reality Check Interstitial: Before "What Worries You"

1 in 2

people born since 1960 will be diagnosed with cancer in their lifetime.

Source: Cancer Research UK, 2025

Video slot: before_what_worries_you (Rob can record a short video for this point)

Section 2: What Worries You

Theme: Coral — "Take a moment to really think about these questions — there are no right or wrong answers"

Question 3 — Biggest Worry

Text: "What worried you most after reading the report?"

Type: Radio (single choice)

Required: Yes

Options:

Not being able to work due to illness or injury
Being diagnosed with a serious illness
Dying and leaving my family without my income
All of these worry me equally
Honestly, none of these particularly worry me

Field: worriedMost

Question 4 — Serious Illness Impact

Text: "If you were diagnosed with a serious illness, how would your finances be affected?"

Type: Radio (single choice)

Required: Yes

Options:

I/we would struggle straight away
I/we would cope for a few months
I/we would get by for a year or so
I/we would be financially secure

Field: seriousIllnessImpact

Question 5 — Death Impact

Text: "If you died unexpectedly, how long could your partner/family keep the home without your income?"

Type: Radio (single choice)

Required: Yes

Options:

They'd struggle immediately
A few months
A year or so
They'd be financially secure
N/A - I'm single with no dependants

Field: deathImpact

Question 6 — Income Loss Duration

Text: "If you were off work due to an accident or illness, how long could you keep paying your mortgage?"

Type: Radio (single choice)

Required: Yes

Options:

Less than 1 month
1-3 months
3-6 months
More than 6 months

Field: incomeStopDuration

Reality Check Interstitial: Before "Your Safety Net"

5-10%

of people who leave work due to illness ever return to paid employment.

Source: UK Government Labour Market Statistics, 2025

Section 3: Your Safety Net

Theme: Teal — "Let's look at what financial support you'd actually have if something went wrong"

Question 7 — Employer Sick Pay

Text: "How long would your employer continue to pay you if you were off sick?"

Subtitle: "For example: Statutory sick pay only, 1 month full pay, 3 months full pay then 3 months half pay, etc."

Type: Free text input

Required: Yes

Conditional: Only shown if client is not "Not currently working"

Field: employerSickPay

Question 8 — Statutory Sick Pay Reality Check

Text: Dynamic — adapts based on the client's employment status. For employed clients, it presents the shock value of Statutory Sick Pay (£116.75/week) and asks them to confirm they understand this is all they'd receive after their employer's sick pay runs out.

Type: Radio (single choice)

Required: Yes

Field: statutorySickPayConfirm

Purpose: This is a deliberate "reality check" question — most people don't realise how little SSP actually is.

Question 9 — Savings & Other Support

Text: "Do you have savings or other financial support you could use if you couldn't work?"

Subtitle: "How much would be available after your mortgage completes?"

Type: Free text input

Required: Yes

Field: otherFinancialSupport

Question 10 — Existing Protection (Policy Checklist)

Text: "What existing protection do you have in place?"

Subtitle: "Select all that apply — we'll capture the details in the next step"

Type: Policy checklist (custom component)

Required: Yes

Policy Types Available:

Life Insurance
Critical Illness Cover
Income Protection
Death in Service (through employer)

Client can also select "I don't have any existing protection" (checkbox).

Field: hasExistingPolicies

Question 11 — Policy Details

Text: "Tell me about your existing policies"

Subtitle: "Please provide as much detail as you can — this helps me understand your current protection level"

Type: Policy details (custom structured form)

Required: No

Conditional: Only shown if client selected at least one policy type in Q10

For each policy, collects:

Field	Description
Provider	Dropdown: Aviva, Legal & General, Vitality, Royal London, Zurich, Scottish Widows, AIG, LV=, Aegon, Guardian, The Exeter, Other
Cover Amount	Dropdown: £50k, £100k, £150k, £200k, £250k, £300k, £400k, £500k, or Custom
Monthly Premium	Free text
Policy Type	Level or Decreasing
Linked to Mortgage	Yes/No checkbox
Salary Multiple (Death in Service only)	1x, 2x, 3x, 4x, or Don't know
Annual Salary (Death in Service only)	Free text

Clients can add multiple policies of the same type.

Field: existingPolicyDetails (stored as structured JSON in existingPoliciesStructured)

Reality Check Interstitial: Before "Your Priorities"

97.9%

of protection insurance claims are paid out.

Source: Association of British Insurers, 2024

This statistic is placed here deliberately — after the client has confronted their financial vulnerability, this reassures them that protection actually works.

Section 4: Your Priorities

Theme: Navy — "Nearly done — this helps me understand what matters most to you"

Question 12 — What Matters Most

Text: "Which of these matters most to you right now?"

Type: Radio (single choice)

Required: Yes

Options:

Keeping the mortgage secure so I never lose my home
Making sure my family has money to live on if something happens
Protecting against illness so I don't struggle financially
A balance of all three
I'm not sure protection is a priority for me right now

Field: priorityMatters

Question 13 — Protection Attitude

Text: "When it comes to protection, which best describes your attitude?"

Type: Radio (single choice)

Required: Yes

Options:

I want maximum protection, even if it costs more
I want a sensible balance between protection and cost
I want to keep costs as low as possible, even if it means less cover
I'd rather not pay for protection — I'm willing to accept the risk

Field: protectionAttitude

Question 14 — Budget Range

Text: "What monthly budget would you feel comfortable setting aside for protection?"

Subtitle: "This is just a guide — I'll always try to find the best value for your circumstances"

Type: Radio (single choice)

Required: Yes

Options:

£0-50 per month
£50-100 per month
£100-150 per month
£150+ per month

Field: budgetRange

Section 5: Your Health

Theme: Teal — "A few quick questions about your health — this helps me recommend the most suitable providers"

Question 15 — Smoking Status

Text: "Do you smoke or use any nicotine products (including vapes)?"

Type: Radio (single choice)

Required: Yes

Options: Yes / No

Field: smokerStatus

Question 16 — Health Conditions

Text: "Do you have any existing health conditions I should be aware of?"

Subtitle: "This helps me find providers who are more likely to offer favourable terms"

Type: Free text (textarea)

Required: No

Field: healthConditions

Question 17 — Additional Information

Text: "Is there anything else about your health, lifestyle, or circumstances you'd like to mention?"

Type: Free text (textarea)

Required: No

Field: additionalThoughts

Section 6: What Happens Next

Theme: Coral

Question 18 — Confirmation

Preamble bullets shown to client:

I'll prepare personalised recommendations based on your responses.
I'll research the most suitable providers for your circumstances.
I'll present options via a personalised video presentation.
There's absolutely no obligation — this is about giving you the information to make an informed decision.

Text: "I confirm that my answers are accurate and I'm happy for my adviser to use them to prepare my protection review."

Type: Radio (single choice)

Required: Yes

Options:

Yes, I confirm
I'd like to go back and change some answers

Field: confirmAccuracy

Auto-Save Behaviour

Progress is automatically saved to the server whenever the client advances to a new question. The saved state includes all answers, checkbox selections, policy details, and the current question index. If the client closes the browser and returns later, they resume exactly where they left off.

Protection Hub Documentation

Risk Review Questionnaire — Complete Reference

Design Principles

Question Flow Order

Section 1: Before We Start

Question 1 — Your Name

Reality Check Interstitial: Before "What Worries You"

Section 2: What Worries You

Question 3 — Biggest Worry

Question 4 — Serious Illness Impact

Question 5 — Death Impact

Question 6 — Income Loss Duration

Reality Check Interstitial: Before "Your Safety Net"

Section 3: Your Safety Net

Question 7 — Employer Sick Pay

Question 8 — Statutory Sick Pay Reality Check

Question 9 — Savings & Other Support

Question 10 — Existing Protection (Policy Checklist)

Question 11 — Policy Details

Reality Check Interstitial: Before "Your Priorities"

Section 4: Your Priorities

Question 12 — What Matters Most

Question 13 — Protection Attitude

Question 14 — Budget Range

Section 5: Your Health

Question 15 — Smoking Status

Question 16 — Health Conditions

Question 17 — Additional Information

Section 6: What Happens Next

Question 18 — Confirmation

Auto-Save Behaviour