How are advisers evidencing protection recommendations in practice?

Evidencing a protection recommendation is straightforward in principle and awkward in the details. Client priorities, budgets and non-disclosure risk all have to be reflected in the file in a way that a reviewer will accept a year later.

1. How do you evidence that a protection need was properly explored?
2. How do you document a client declining cover?
3. What is the smallest change that made your files noticeably stronger?