Make Non F2F mandatory text box for Protection, just like it is for mortgages.
I presume an assumption has been made that the adviser is both mortgage and protection licenses but in our business they are not. Therefore the protection advisers are also required to confirm how/when non-face to face meetings have taken place too which means a textbox should be mandatory on all LIVE/pipeline/in-flight protection cases too (not on those that have already completed).