The lock/unlock approach to enabling PDF links in text insets is one way to go. But I note in your email that you are using Structured Frame. This means that you could use a free utility from West Street Consulting called InsetsPlus. With InsetsPlus, this problem goes away. I recommend it and all the other utilities for structured frame that they provide.
Fred -- Fred Wersan Senior Technical Writer VT MAK 68 Moulton St. Cambridge, MA 02138 617-876-8085 x 124