{"metadata":{"transaction_key":"deprecated","request_id":"019f2192-50bd-7b91-ab2d-f437a67c7396","sha256":"26f6424e664e52215b103b12015fbebd0d95801e6699ec1ae3eb586f4cfbba3e","created":"2026-07-02T06:44:27.742Z","duration":691.55994,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2130,"output_tokens":91},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2325,"output_tokens":2330},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2325,"output_tokens":198}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. This is Ranka from XQ Financial. How are you? Yes. Good. How are you? That's good. I had you booked in. It is a pretty quick catch up, but do you have some time for me? Yeah? Okay. If you do have to go, though, just let me know, but I'll try to make it pretty quick for you. Before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Hello? Yep. Sorry. I just missed the the address there. I think it just cut out a little bit. Yep. Perfect. Now I had you booked in just following it there, the interview in our last conversation in regards to potentially looking at increasing your income protection a little bit. Do you remember that conversation? Vaguely? No. That's that's okay. So, basically, during the annual review, we because, obviously, your income have gone up since we took out your insurances, which is great. And you wanted to see what the cost would be if we increase it to match your current income. So I have heard back from the insurance. So I know you did the pre assessment with my colleague, Maddie, so thank you so much for that. And that gave me an insight into what the insurers would offer. So with the cover now a lot of the insurers said that based on, obviously, you know, your medical history and also job at the moment, income protection would not be offered. There is, excuse me, there is one insurer who said that they might be able to look at it. If you are okay without medication and and no symptoms at all, they might be able to consider income protection. If if there are symptoms, then you'd need to be on medication for at least two months. They will also request medical reports from the doctor, and the best case scenario is that it will be a mental health exclusion, which is kind of what I was anticipating when we spoke last. So what that would mean is that because at the moment, you don't have that, which is great. So I would not want to cancel what you currently have in place so you already have an income protection because that will cover you for mental health if something were to happen. So I don't wanna cancel that. So what I was looking at was, okay, taking out a second income protection so that, jointly, they will give you that 70% of the income. Because like I said, I do not wanna cancel what you currently have with one pass because that is good, and that doesn't have the mental health. So if we look at a top up, so basically having two policies, the top up cover will have best case and mental health exclusion. Now what that means is that they will exclude mental health to be able to be claimed on. So that was obviously something to be mindful of if that is something you want to explore further because that's also I I know one of the reasons. We wanna make sure we have cover in place if that is something you ever have to claim on. So a new policy will cover you for other things, but it will not cover you for anything mental health related. Now, Bryce Wise, so that you know, on your current policy, you have a monthly amount of 4,089. So that is how much you would get paid on a monthly basis at the moment if we don't do anything. You have a thirty day waiting period and then a benefit for six years. So if something were to happen, you can be on claim for six years, which is very unique to OnePath. Now that is costing about 2,998. Okay? A top up cover so because your income is a lot higher, you can be insured for up to 10,500. So a top up cover so if I use what you currently have with how much you could be covered, that leaves us about 6,410. So I then looked at the policy with that one insurer who said they might be able to cover for 6,410. Same thirty day waiting period, but they only offer a five year benefit, not six, because that is very unique to just one part. So that will be one year less. Now that would cost 2,256 and, best case, have a mental health exclusion. Does that make sense? Yeah. Oh, oh, the fun things of doing that. Yeah. Yeah. So yeah. Yeah. Busy busy. Yeah. So, basically tricky. Yes. Yes. Definitely. So so with this, though, I know it was more you wanted to know how much it cost. You still have your one part policy. You still have that you are covered for mental health. But this is kind of the investigation of if you wanted to increase it, what it would look like. The choice is completely up to you. Whether you want me to just leave it with you and you to have a think about it, that is perfectly fine. The choice is up to you because the, yeah, the biggest thing is that it will have that mental health exclusion. Sorry. Yeah. Yes. Yeah. What we could even do, given how much you have on right now, if now is not a good time to think about this, which is completely understandable, especially if you're looking because, also, if you're looking at potentially changing jobs, the insurer would want to wait until you have a new job. So what we can do, especially if everything tax time, you said it's it's a lot for you right now, the last thing I wanna do is then being like, okay. What do you wanna do with the insurances? So it's up to you. If you feel like right now is a lot, I can even just put a reminder and touch base in a couple of months seeing how you're feeling, where things are at, and what you want to do. Or if you want me to just leave it with you, and then if it is something you wanna revisit, you let me know. Yeah. No. That's okay. I no. That's okay, Barry. What I can do so I don't I don't work Fridays, but what I can do is I can either give you a call next week, or I could do the week after if now is a really busy time for you. There's no stress. Do you want me to do Yeah. Yeah. No. That's okay. Well, I will let you go. I'll book you to catch up. Do you want next week, or do you want the following week? Completely up to you. Next week? Okay. Let me have a look. Yes. Yes. That's okay. No worries. No. That's okay. Yeah. That's okay. You can call the office tomorrow. I won't be in, but my colleagues will be able to book in an appointment with you tomorrow for the following week or the next week, whenever suits you. Yeah. Okay. No. That's okay. Good luck with no. No worries. No stress. Hopefully, you get to your dinner plans, and good luck with your tax, and just let me know how you're going. Yeah. No worries. We'll speak soon. Bye. 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afternoon. This is Ranka from XQ Financial. How are you? Yes. Good.\n\nHow are you? That's good. I had you booked in. It is a pretty quick catch up, but do you have some time for me? Yeah?\n\nOkay. If you do have to go, though, just let me know, but I'll try to make it pretty quick for you. Before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nYep. Hello? Yep. Sorry. I just missed the the address there.\n\nI think it just cut out a little bit. Yep. Perfect. Now I had you booked in just following it there, the interview in our last conversation in regards to potentially looking at increasing your income protection a little bit. Do you remember that conversation?\n\nVaguely? No. That's that's okay. So, basically, during the annual review, we because, obviously, your income have gone up since we took out your insurances, which is great. And you wanted to see what the cost would be if we increase it to match your current income.\n\nSo I have heard back from the insurance. So I know you did the pre assessment with my colleague, Maddie, so thank you so much for that. And that gave me an insight into what the insurers would offer. So with the cover now a lot of the insurers said that based on, obviously, you know, your medical history and also job at the moment, income protection would not be offered. There is, excuse me, there is one insurer who said that they might be able to look at it.\n\nIf you are okay without medication and and no symptoms at all, they might be able to consider income protection. If if there are symptoms, then you'd need to be on medication for at least two months. They will also request medical reports from the doctor, and the best case scenario is that it will be a mental health exclusion, which is kind of what I was anticipating when we spoke last. So what that would mean is that because at the moment, you don't have that, which is great. So I would not want to cancel what you currently have in place so you already have an income protection because that will cover you for mental health if something were to happen.\n\nSo I don't wanna cancel that. So what I was looking at was, okay, taking out a second income protection so that, jointly, they will give you that 70% of the income. Because like I said, I do not wanna cancel what you currently have with one pass because that is good, and that doesn't have the mental health. So if we look at a top up, so basically having two policies, the top up cover will have best case and mental health exclusion. Now what that means is that they will exclude mental health to be able to be claimed on.\n\nSo that was obviously something to be mindful of if that is something you want to explore further because that's also I I know one of the reasons. We wanna make sure we have cover in place if that is something you ever have to claim on. So a new policy will cover you for other things, but it will not cover you for anything mental health related. Now, Bryce Wise, so that you know, on your current policy, you have a monthly amount of 4,089. So that is how much you would get paid on a monthly basis at the moment if we don't do anything.\n\nYou have a thirty day waiting period and then a benefit for six years. So if something were to happen, you can be on claim for six years, which is very unique to OnePath. Now that is costing about 2,998. Okay? A top up cover so because your income is a lot higher, you can be insured for up to 10,500.\n\nSo a top up cover so if I use what you currently have with how much you could be covered, that leaves us about 6,410. So I then looked at the policy with that one insurer who said they might be able to cover for 6,410. Same thirty day waiting period, but they only offer a five year benefit, not six, because that is very unique to just one part. So that will be one year less. Now that would cost 2,256 and, best case, have a mental health exclusion.\n\nDoes that make sense? Yeah. Oh, oh, the fun things of doing that. Yeah. Yeah.\n\nSo yeah. Yeah. Busy busy. Yeah. So, basically tricky.\n\nYes. Yes. Definitely. So so with this, though, I know it was more you wanted to know how much it cost. You still have your one part policy.\n\nYou still have that you are covered for mental health. But this is kind of the investigation of if you wanted to increase it, what it would look like. The choice is completely up to you. Whether you want me to just leave it with you and you to have a think about it, that is perfectly fine. The choice is up to you because the, yeah, the biggest thing is that it will have that mental health exclusion.\n\nSorry. Yeah. Yes. Yeah. What we could even do, given how much you have on right now, if now is not a good time to think about this, which is completely understandable, especially if you're looking because, also, if you're looking at potentially changing jobs, the insurer would want to wait until you have a new job.\n\nSo what we can do, especially if everything tax time, you said it's it's a lot for you right now, the last thing I wanna do is then being like, okay. What do you wanna do with the insurances? So it's up to you. If you feel like right now is a lot, I can even just put a reminder and touch base in a couple of months seeing how you're feeling, where things are at, and what you want to do. Or if you want me to just leave it with you, and then if it is something you wanna revisit, you let me know.\n\nYeah. No. That's okay. I no. That's okay, Barry.\n\nWhat I can do so I don't I don't work Fridays, but what I can do is I can either give you a call next week, or I could do the week after if now is a really busy time for you. There's no stress. Do you want me to do Yeah. Yeah. No.\n\nThat's okay. Well, I will let you go. I'll book you to catch up. Do you want next week, or do you want the following week? Completely up to you.\n\nNext week? Okay. Let me have a look. Yes. Yes.\n\nThat's okay. No worries. No. That's okay. Yeah.\n\nThat's okay. You can call the office tomorrow. I won't be in, but my colleagues will be able to book in an appointment with you tomorrow for the following week or the next week, whenever suits you. Yeah. Okay.\n\nNo. That's okay. Good luck with no. No worries. No stress.\n\nHopefully, you get to your dinner plans, and good luck with your tax, and just let me know how you're going. Yeah. No worries. We'll speak soon. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":4.08,"end":4.88,"sentiment":"positive","sentiment_score":0.34148281812667847},{"text":"This is Ranka from XQ Financial.","start":4.88,"end":6.66,"sentiment":"neutral","sentiment_score":0.2738974417249362},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.23947131633758545},{"text":"Yes.","start":10.24,"end":10.74,"sentiment":"neutral","sentiment_score":0.15754669904708862},{"text":"Good.","start":11.759999,"end":12.16,"sentiment":"positive","sentiment_score":0.3997248113155365}],"sentiment":"neutral","sentiment_score":0.2770796727675658,"num_words":13,"start":4.08,"end":12.16},{"sentences":[{"text":"How are you?","start":12.16,"end":13.059999,"sentiment":"neutral","sentiment_score":0.27023256321748096},{"text":"That's good.","start":15.995,"end":16.974998,"sentiment":"positive","sentiment_score":0.5341867804527283},{"text":"I had you booked in.","start":17.994999,"end":19.195,"sentiment":"neutral","sentiment_score":0.2030195564031601},{"text":"It is a pretty quick catch up, but do you have some time for me?","start":19.195,"end":24.095,"sentiment":"neutral","sentiment_score":0.11479471748073895},{"text":"Yeah?","start":28.570002,"end":29.070002,"sentiment":"neutral","sentiment_score":-0.03110658749938011}],"sentiment":"neutral","sentiment_score":0.17634550797251555,"num_words":26,"start":12.16,"end":29.070002},{"sentences":[{"text":"Okay.","start":30.41,"end":30.91,"sentiment":"neutral","sentiment_score":0.05638979375362396},{"text":"If you do have to go, though, just let me know, but I'll try to make it pretty quick for you.","start":31.45,"end":35.95,"sentiment":"neutral","sentiment_score":0.08295961895159312},{"text":"Before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":37.465,"end":43.965,"sentiment":"neutral","sentiment_score":0.019595884144879304},{"text":"Yep.","start":45.785,"end":46.285,"sentiment":"neutral","sentiment_score":0.0666288360953331},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":46.585,"end":55.390003,"sentiment":"neutral","sentiment_score":0.04845622870506662}],"sentiment":"neutral","sentiment_score":0.04845998979105455,"num_words":82,"start":30.41,"end":55.390003},{"sentences":[{"text":"Yep.","start":59.050003,"end":59.550003,"sentiment":"neutral","sentiment_score":0.02663814090192318},{"text":"Hello?","start":79.079994,"end":79.579994,"sentiment":"neutral","sentiment_score":0.011751590296626093},{"text":"Yep.","start":82.03999,"end":82.53999,"sentiment":"neutral","sentiment_score":0.021950988098978996},{"text":"Sorry.","start":82.6,"end":82.92,"sentiment":"neutral","sentiment_score":-0.05485500395298004},{"text":"I just missed the the address there.","start":82.92,"end":84.92,"sentiment":"neutral","sentiment_score":-0.10963317326136998}],"sentiment":"neutral","sentiment_score":-0.06926786340773106,"num_words":11,"start":59.050003,"end":84.92},{"sentences":[{"text":"I think it just cut out a little bit.","start":84.92,"end":86.7,"sentiment":"neutral","sentiment_score":-0.10420409590005875},{"text":"Yep.","start":97.685,"end":98.185,"sentiment":"neutral","sentiment_score":0.04656528681516647},{"text":"Perfect.","start":108.42,"end":108.92,"sentiment":"neutral","sentiment_score":0.3320888876914978},{"text":"Now I had you booked in just following it there, the interview in our last conversation in regards to potentially looking at increasing your income protection a little bit.","start":110.34,"end":119.795,"sentiment":"neutral","sentiment_score":0.10018192578492494},{"text":"Do you remember that conversation?","start":119.935005,"end":121.635,"sentiment":"neutral","sentiment_score":0.01001913882791996}],"sentiment":"neutral","sentiment_score":0.05324864118463463,"num_words":45,"start":84.92,"end":121.635},{"sentences":[{"text":"Vaguely?","start":125.47,"end":125.97,"sentiment":"neutral","sentiment_score":-0.051697567105293274},{"text":"No.","start":128.35,"end":128.67,"sentiment":"neutral","sentiment_score":-0.050289686769247055},{"text":"That's that's okay.","start":128.67,"end":129.73,"sentiment":"neutral","sentiment_score":0.04283353189627329},{"text":"So, basically, during the annual review, we because, obviously, your income have gone up since we took out your insurances, which is great.","start":130.59,"end":139.315,"sentiment":"neutral","sentiment_score":0.14481154667294543},{"text":"And you wanted to see what the cost would be if we increase it to match your current income.","start":140.33499,"end":148.75499,"sentiment":"neutral","sentiment_score":0.19883008144403758}],"sentiment":"neutral","sentiment_score":0.15180745665380296,"num_words":47,"start":125.47,"end":148.75499},{"sentences":[{"text":"So I have heard back from the insurance.","start":149.37001,"end":151.85,"sentiment":"neutral","sentiment_score":0.20092411898076534},{"text":"So I know you did the pre assessment with my colleague, Maddie, so thank you so much for that.","start":151.85,"end":155.87001,"sentiment":"positive","sentiment_score":0.3878029686839957},{"text":"And that gave me an insight into what the insurers would offer.","start":156.09001,"end":160.59001,"sentiment":"neutral","sentiment_score":0.279773519684871},{"text":"So with the cover now a lot of the insurers said that based on, obviously, you know, your medical history and also job at the moment, income protection would not be offered.","start":161.545,"end":175.24501,"sentiment":"neutral","sentiment_score":-0.23779989732429385},{"text":"There is, excuse me, there is one insurer who said that they might be able to look at it.","start":177.06001,"end":185.88,"sentiment":"neutral","sentiment_score":-0.07881980467783778}],"sentiment":"neutral","sentiment_score":0.03584176210893525,"num_words":90,"start":149.37001,"end":185.88},{"sentences":[{"text":"If you are okay without medication and and no symptoms at all, they might be able to consider income protection.","start":187.14,"end":200.535,"sentiment":"neutral","sentiment_score":0.0261753611266613},{"text":"If if there are symptoms, then you'd need to be on medication for at least two months.","start":201.955,"end":209.48,"sentiment":"neutral","sentiment_score":-0.2672246983822654},{"text":"They will also request medical reports from the doctor, and the best case scenario is that it will be a mental health exclusion, which is kind of what I was anticipating when we spoke last.","start":210.58,"end":227.615,"sentiment":"neutral","sentiment_score":-0.2892362156084606},{"text":"So what that would mean is that because at the moment, you don't have that, which is great.","start":228.235,"end":234.94,"sentiment":"neutral","sentiment_score":0.09474695142772463},{"text":"So I would not want to cancel what you currently have in place so you already have an income protection because that will cover you for mental health if something were to happen.","start":235.24,"end":245.575,"sentiment":"neutral","sentiment_score":-0.011857678718639143}],"sentiment":"neutral","sentiment_score":-0.1042962477095728,"num_words":123,"start":187.14,"end":245.575},{"sentences":[{"text":"So I don't wanna cancel that.","start":245.875,"end":247.55501,"sentiment":"neutral","sentiment_score":-0.25581880658864975},{"text":"So what I was looking at was, okay, taking out a second income protection so that, jointly, they will give you that 70% of the income.","start":247.55501,"end":258.75,"sentiment":"neutral","sentiment_score":0.12964571410646805},{"text":"Because like I said, I do not wanna cancel what you currently have with one pass because that is good, and that doesn't have the mental health.","start":258.81,"end":266.09,"sentiment":"neutral","sentiment_score":0.043864988066531996},{"text":"So if we look at a top up, so basically having two policies, the top up cover will have best case and mental health exclusion.","start":266.09,"end":275.845,"sentiment":"neutral","sentiment_score":-0.08756562545895577},{"text":"Now what that means is that they will exclude mental health to be able to be claimed on.","start":276.78497,"end":284.16498,"sentiment":"neutral","sentiment_score":-0.20935803362064892}],"sentiment":"neutral","sentiment_score":-0.028797596437381764,"num_words":102,"start":245.875,"end":284.16498},{"sentences":[{"text":"So that was obviously something to be mindful of if that is something you want to explore further because that's also I I know one of the reasons.","start":284.67,"end":293.01,"sentiment":"neutral","sentiment_score":-0.17095725610852242},{"text":"We wanna make sure we have cover in place if that is something you ever have to claim on.","start":293.07,"end":298.03,"sentiment":"neutral","sentiment_score":-0.15220717615202853},{"text":"So a new policy will cover you for other things, but it will not cover you for anything mental health related.","start":298.03,"end":305.895,"sentiment":"neutral","sentiment_score":-0.21101703210955575},{"text":"Now, Bryce Wise, so that you know, on your current policy, you have a monthly amount of 4,089.","start":309.395,"end":322.16,"sentiment":"neutral","sentiment_score":-0.007808391017735832},{"text":"So that is how much you would get paid on a monthly basis at the moment if we don't do anything.","start":322.16,"end":326.82,"sentiment":"neutral","sentiment_score":-0.011425389243023736}],"sentiment":"neutral","sentiment_score":-0.11673440565094004,"num_words":107,"start":284.67,"end":326.82},{"sentences":[{"text":"You have a thirty day waiting period and then a benefit for six years.","start":327.735,"end":332.715,"sentiment":"neutral","sentiment_score":-0.018199593094842776},{"text":"So if something were to happen, you can be on claim for six years, which is very unique to OnePath.","start":332.775,"end":338.475,"sentiment":"neutral","sentiment_score":-0.056906173937022686},{"text":"Now that is costing about 2,998.","start":339.735,"end":345.36,"sentiment":"neutral","sentiment_score":-0.096052926654617},{"text":"Okay?","start":345.41998,"end":345.91998,"sentiment":"neutral","sentiment_score":0.024373527616262436},{"text":"A top up cover so because your income is a lot higher, you can be insured for up to 10,500.","start":348.46,"end":358.24503,"sentiment":"neutral","sentiment_score":0.1698836822062731}],"sentiment":"neutral","sentiment_score":0.02381658737288147,"num_words":61,"start":327.735,"end":358.24503},{"sentences":[{"text":"So a top up cover so if I use what you currently have with how much you could be covered, that leaves us about 6,410.","start":359.18503,"end":370.08,"sentiment":"neutral","sentiment_score":0.09741336852312088},{"text":"So I then looked at the policy with that one insurer who said they might be able to cover for 6,410.","start":370.54,"end":378.72,"sentiment":"neutral","sentiment_score":0.023305780209955714},{"text":"Same thirty day waiting period, but they only offer a five year benefit, not six, because that is very unique to just one part.","start":379.405,"end":388.305,"sentiment":"neutral","sentiment_score":-0.018263638019561768},{"text":"So that will be one year less.","start":389.245,"end":390.945,"sentiment":"neutral","sentiment_score":-0.10857822000980377},{"text":"Now that would cost 2,256 and, best case, have a mental health exclusion.","start":391.005,"end":399.04,"sentiment":"negative","sentiment_score":-0.35709840747026295}],"sentiment":"neutral","sentiment_score":-0.03239887280182706,"num_words":90,"start":359.18503,"end":399.04},{"sentences":[{"text":"Does that make sense?","start":403.1,"end":404.32,"sentiment":"neutral","sentiment_score":-0.05664450488984585},{"text":"Yeah.","start":412.07498,"end":412.57498,"sentiment":"neutral","sentiment_score":-0.014682523906230928},{"text":"Oh, oh, the fun things of doing that.","start":414.07498,"end":415.935,"sentiment":"neutral","sentiment_score":0.13144659949466586},{"text":"Yeah.","start":419.69,"end":420.19,"sentiment":"neutral","sentiment_score":0.03221627324819565},{"text":"Yeah.","start":421.21002,"end":421.69,"sentiment":"neutral","sentiment_score":0.05768276005983353}],"sentiment":"neutral","sentiment_score":0.06001408571998278,"num_words":15,"start":403.1,"end":421.69},{"sentences":[{"text":"So yeah.","start":421.69,"end":424.83002,"sentiment":"neutral","sentiment_score":0.04453621804714203},{"text":"Yeah.","start":429.05002,"end":429.55002,"sentiment":"neutral","sentiment_score":0.10978227853775024},{"text":"Busy busy.","start":432.46503,"end":433.285,"sentiment":"neutral","sentiment_score":0.0709393098950386},{"text":"Yeah.","start":434.385,"end":434.885,"sentiment":"neutral","sentiment_score":0.022859232500195503},{"text":"So, basically tricky.","start":435.02502,"end":439.685,"sentiment":"neutral","sentiment_score":-0.08795022591948509}],"sentiment":"neutral","sentiment_score":0.011082432129316859,"num_words":9,"start":421.69,"end":439.685},{"sentences":[{"text":"Yes.","start":441.665,"end":442.165,"sentiment":"neutral","sentiment_score":-0.005544861778616905},{"text":"Yes.","start":443.3,"end":443.7,"sentiment":"neutral","sentiment_score":0.09004627168178558},{"text":"Definitely.","start":443.7,"end":444.2,"sentiment":"neutral","sentiment_score":0.14924004673957825},{"text":"So so with this, though, I know it was more you wanted to know how much it cost.","start":444.98,"end":449.24,"sentiment":"neutral","sentiment_score":-0.001791645462314288},{"text":"You still have your one part policy.","start":449.38,"end":451.16,"sentiment":"neutral","sentiment_score":0.11348018050193787}],"sentiment":"neutral","sentiment_score":0.03556618220838053,"num_words":28,"start":441.665,"end":451.16},{"sentences":[{"text":"You still have that you are covered for mental health.","start":451.22,"end":453.96,"sentiment":"neutral","sentiment_score":0.10393938599154354},{"text":"But this is kind of the investigation of if you wanted to increase it, what it would look like.","start":454.66,"end":460.525,"sentiment":"neutral","sentiment_score":-0.0877364566059489},{"text":"The choice is completely up to you.","start":460.585,"end":462.525,"sentiment":"neutral","sentiment_score":0.3146551421710423},{"text":"Whether you want me to just leave it with you and you to have a think about it, that is perfectly fine.","start":462.745,"end":468.745,"sentiment":"neutral","sentiment_score":0.23054128174077382},{"text":"The choice is up to you because the, yeah, the biggest thing is that it will have that mental health exclusion.","start":468.745,"end":475.68,"sentiment":"negative","sentiment_score":-0.3474184452068238}],"sentiment":"neutral","sentiment_score":-0.00821382242337435,"num_words":79,"start":451.22,"end":475.68},{"sentences":[{"text":"Sorry.","start":481.74,"end":482.24,"sentiment":"neutral","sentiment_score":-0.32788634300231934},{"text":"Yeah.","start":509.78497,"end":510.28497,"sentiment":"neutral","sentiment_score":-0.18979951739311215},{"text":"Yes.","start":513.385,"end":513.885,"sentiment":"neutral","sentiment_score":-0.15301376581192017},{"text":"Yeah.","start":520.44,"end":520.94,"sentiment":"neutral","sentiment_score":-0.13083705306053162},{"text":"What we could even do, given how much you have on right now, if now is not a good time to think about this, which is completely understandable, especially if you're looking because, also, if you're looking at potentially changing jobs, the insurer would want to wait until you have a new job.","start":522.92,"end":538.085,"sentiment":"neutral","sentiment_score":-0.29938463304402696}],"sentiment":"neutral","sentiment_score":-0.29243723211581246,"num_words":57,"start":481.74,"end":538.085},{"sentences":[{"text":"So what we can do, especially if everything tax time, you said it's it's a lot for you right now, the last thing I wanna do is then being like, okay.","start":538.465,"end":547.0,"sentiment":"neutral","sentiment_score":-0.14096497119434417},{"text":"What do you wanna do with the insurances?","start":547.0,"end":548.38,"sentiment":"neutral","sentiment_score":-0.13211178500205278},{"text":"So it's up to you.","start":548.92,"end":550.77997,"sentiment":"neutral","sentiment_score":0.131553453207016},{"text":"If you feel like right now is a lot, I can even just put a reminder and touch base in a couple of months seeing how you're feeling, where things are at, and what you want to do.","start":551.08,"end":562.315,"sentiment":"neutral","sentiment_score":0.10762636216455385},{"text":"Or if you want me to just leave it with you, and then if it is something you wanna revisit, you let me know.","start":562.775,"end":569.115,"sentiment":"neutral","sentiment_score":0.10939231639107068}],"sentiment":"neutral","sentiment_score":0.018360153156912553,"num_words":106,"start":538.465,"end":569.115},{"sentences":[{"text":"Yeah.","start":577.25,"end":577.75,"sentiment":"neutral","sentiment_score":0.1293315887451172},{"text":"No.","start":580.21,"end":580.53,"sentiment":"neutral","sentiment_score":-0.00028008222579956055},{"text":"That's okay.","start":580.53,"end":581.43,"sentiment":"neutral","sentiment_score":0.04427289590239525},{"text":"I no.","start":584.465,"end":586.405,"sentiment":"neutral","sentiment_score":-0.19296161085367203},{"text":"That's okay, Barry.","start":586.54504,"end":587.585,"sentiment":"neutral","sentiment_score":0.06952063987652461}],"sentiment":"neutral","sentiment_score":0.004470666249593102,"num_words":9,"start":577.25,"end":587.585},{"sentences":[{"text":"What I can do so I don't I don't work Fridays, but what I can do is I can either give you a call next week, or I could do the week after if now is a really busy time for you.","start":587.585,"end":600.27,"sentiment":"neutral","sentiment_score":0.09363464613090314},{"text":"There's no stress.","start":600.65,"end":601.63,"sentiment":"neutral","sentiment_score":0.17684292793273926},{"text":"Do you want me to do Yeah.","start":602.49,"end":607.325,"sentiment":"neutral","sentiment_score":-0.008619874715805054},{"text":"Yeah.","start":615.22504,"end":615.72504,"sentiment":"neutral","sentiment_score":-0.10107378661632538},{"text":"No.","start":617.465,"end":617.625,"sentiment":"neutral","sentiment_score":-0.14872336387634277}],"sentiment":"neutral","sentiment_score":0.0769082897739416,"num_words":54,"start":587.585,"end":617.625},{"sentences":[{"text":"That's okay.","start":617.625,"end":618.525,"sentiment":"neutral","sentiment_score":-0.021581940352916718},{"text":"Well, I will let you go.","start":618.84,"end":619.88,"sentiment":"neutral","sentiment_score":0.12358639761805534},{"text":"I'll book you to catch up.","start":619.88,"end":621.08,"sentiment":"neutral","sentiment_score":0.13307422151168188},{"text":"Do you want next week, or do you want the following week?","start":621.08,"end":623.9,"sentiment":"neutral","sentiment_score":0.04830956272780895},{"text":"Completely up to you.","start":627.4,"end":628.7,"sentiment":"neutral","sentiment_score":0.08343693614006042}],"sentiment":"neutral","sentiment_score":0.08034207771221796,"num_words":30,"start":617.625,"end":628.7},{"sentences":[{"text":"Next week?","start":636.695,"end":637.51495,"sentiment":"neutral","sentiment_score":0.009816978592425585},{"text":"Okay.","start":638.77496,"end":639.175,"sentiment":"neutral","sentiment_score":0.05030931532382965},{"text":"Let me have a look.","start":639.175,"end":640.375,"sentiment":"neutral","sentiment_score":0.04781803339719772},{"text":"Yes.","start":640.375,"end":640.875,"sentiment":"neutral","sentiment_score":0.055597711354494095},{"text":"Yes.","start":646.47,"end":646.97,"sentiment":"neutral","sentiment_score":0.02727065235376358}],"sentiment":"neutral","sentiment_score":0.039190180320292714,"num_words":10,"start":636.695,"end":646.97},{"sentences":[{"text":"That's okay.","start":648.55,"end":649.37,"sentiment":"neutral","sentiment_score":0.05947664938867092},{"text":"No worries.","start":652.47,"end":653.21,"sentiment":"neutral","sentiment_score":-0.0017011482268571854},{"text":"No.","start":655.27,"end":655.77,"sentiment":"neutral","sentiment_score":-0.035015806555747986},{"text":"That's okay.","start":656.465,"end":657.36505,"sentiment":"neutral","sentiment_score":0.03512734733521938},{"text":"Yeah.","start":660.54504,"end":660.86505,"sentiment":"neutral","sentiment_score":0.07462649047374725}],"sentiment":"neutral","sentiment_score":0.028177047614008188,"num_words":8,"start":648.55,"end":660.86505},{"sentences":[{"text":"That's okay.","start":660.86505,"end":661.68506,"sentiment":"neutral","sentiment_score":0.14679677039384842},{"text":"You can call the office tomorrow.","start":662.145,"end":663.74506,"sentiment":"neutral","sentiment_score":0.13228193173805872},{"text":"I won't be in, but my colleagues will be able to book in an appointment with you tomorrow for the following week or the next week, whenever suits you.","start":663.74506,"end":671.88,"sentiment":"neutral","sentiment_score":0.12587638584704236},{"text":"Yeah.","start":675.08,"end":675.56,"sentiment":"neutral","sentiment_score":0.2790381908416748},{"text":"Okay.","start":675.56,"end":676.06,"sentiment":"neutral","sentiment_score":0.1719110608100891}],"sentiment":"neutral","sentiment_score":0.1330422967290267,"num_words":39,"start":660.86505,"end":676.06},{"sentences":[{"text":"No.","start":676.28,"end":676.52,"sentiment":"neutral","sentiment_score":0.14873281121253967},{"text":"That's okay.","start":676.52,"end":677.24,"sentiment":"neutral","sentiment_score":0.19696380198001862},{"text":"Good luck with no.","start":677.24,"end":678.12,"sentiment":"positive","sentiment_score":0.4397358372807503},{"text":"No worries.","start":678.12,"end":678.76,"sentiment":"neutral","sentiment_score":0.2749597504734993},{"text":"No 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Oh, how are you doing? Hi. Hi. Hi. How are you? Yeah. Not too bad. Yeah. Yeah. Just yeah. Yeah. You couldn't go ahead there. Yep. Yeah. Yeah. Twenty second of the ninth nineteen eighty five. Hello? Yeah. Yeah. Yeah. Yeah. Twenty second of the twenty second of the ninth nineteen eighty five. Yep. Yeah. I've yeah. I probably would've remembered that. Yeah. Maybe. Yeah. Yeah. Okay. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Mhmm. Okay. Yep. Yeah. Yeah. Yeah. Yeah. I'm I'm trying to do two things. Well, I have three things in mind at the moment. I'm trying to sort out the tax. My bank statements and stuff. Just going through them. Because the client wants them. But, yeah, I'm trying to do that, and I'm thinking of getting out for a run, and I've planned to meet someone for dinner this evening as well. So just trying to get this all sorted. When you have that many transactions, it's hard to keep just put out all your statements into one thing. You have to separate them. Mental health exclusion as in what what way do you mean? Like, I suppose that at this period of time for the last probably three since I was let go from my last job that has had a, you know, that has had a considerable amount of considerable out of the a considerable amount of pressure to me knowing tax time stuff's coming up as well. It's out of the considerable amount of pressure to me and then just trying to get in and look for other jobs as well. So I don't know. So Yeah. Yeah. Well, I can make a phone call tomorrow when maybe make a phone call back tomorrow when we had a bit more fresh. I think that might be a a solution. Just I yeah. I'm just, yeah, in the middle of something. I'm just yeah. Yeah. Yeah. Yeah. No. It's yeah. I'm trying to get, yeah, I'm just trying to get everything across to the account this evening, but I'll probably not get it across now. I'm just trying to get it loaded up. I was just having trouble with my bank. But yeah. Yeah. Next week. Around this time, maybe. Yeah. Oh, okay. Can I call back tomorrow? Because, yeah, like I said, I'm just yeah. It's just I'm I'm, yeah, just in a bit of a no man's land here trying to sort things out with my tax and get the and then it's end of June again, like, you know, so just yeah. Yeah. That's that's okay. Yeah. Thank you. Sorry. You got my job. Yeah. Thanks. Bye. Bye bye. Say bye. 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Oh, how are you doing? Hi. Hi. Hi.\n\nHow are you? Yeah. Not too bad. Yeah. Yeah.\n\nJust yeah. Yeah. You couldn't go ahead there. Yep. Yeah.\n\nYeah. Twenty second of the ninth nineteen eighty five. Hello? Yeah. Yeah.\n\nYeah. Yeah. Twenty second of the twenty second of the ninth nineteen eighty five. Yep. Yeah.\n\nI've yeah. I probably would've remembered that. Yeah. Maybe. Yeah.\n\nYeah. Okay. Yeah. Yeah. Yep.\n\nYep. Yeah. Yeah. Mhmm. Okay.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nI'm I'm trying to do two things. Well, I have three things in mind at the moment. I'm trying to sort out the tax. My bank statements and stuff. Just going through them.\n\nBecause the client wants them. But, yeah, I'm trying to do that, and I'm thinking of getting out for a run, and I've planned to meet someone for dinner this evening as well. So just trying to get this all sorted. When you have that many transactions, it's hard to keep just put out all your statements into one thing. 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I'm trying to do two things.","start":406.35,"end":408.59,"sentiment":"neutral","sentiment_score":-0.003101616432624204},{"text":"Well, I have three things in mind at the moment.","start":408.59,"end":410.99,"sentiment":"neutral","sentiment_score":0.02190343141555786},{"text":"I'm trying to sort out the tax.","start":410.99,"end":412.93,"sentiment":"neutral","sentiment_score":-0.002789478749036789},{"text":"My bank statements and stuff.","start":417.22998,"end":418.755,"sentiment":"neutral","sentiment_score":0.02101726122200489},{"text":"Just going through them.","start":419.315,"end":420.615,"sentiment":"neutral","sentiment_score":0.025739666540175676}],"sentiment":"neutral","sentiment_score":0.01169217030771754,"num_words":33,"start":406.35,"end":420.615},{"sentences":[{"text":"Because the client wants them.","start":421.95502,"end":423.795,"sentiment":"neutral","sentiment_score":0.04494572468101978},{"text":"But, yeah, I'm trying to do that, and I'm thinking of getting out for a run, and I've planned to meet someone for dinner this evening as well.","start":423.795,"end":430.915,"sentiment":"neutral","sentiment_score":0.10742880563650813},{"text":"So just trying to get this all sorted.","start":430.915,"end":433.74,"sentiment":"neutral","sentiment_score":0.07816259237006307},{"text":"When you have that many transactions, it's hard to keep just put out all your statements into one thing.","start":435.16,"end":441.08,"sentiment":"neutral","sentiment_score":-0.14725253182022194},{"text":"You have to separate them.","start":441.08,"end":442.46,"sentiment":"neutral","sentiment_score":-0.0841890413314104}],"sentiment":"neutral","sentiment_score":0.009835270906870182,"num_words":65,"start":421.95502,"end":442.46},{"sentences":[{"text":"Mental health exclusion as in what what way do you mean?","start":476.17502,"end":480.67502,"sentiment":"negative","sentiment_score":-0.3930707465518605},{"text":"Like, I suppose that at this period of time for the last probably three since I was let go from my last job that has had a, you know, that has had a considerable amount of considerable out of the a considerable amount of pressure to me knowing tax time stuff's coming up as well.","start":481.45502,"end":509.195,"sentiment":"negative","sentiment_score":-0.36609045429663223},{"text":"It's out of the considerable amount of pressure to me and then just trying to get in and look for other jobs as well.","start":509.255,"end":519.87,"sentiment":"neutral","sentiment_score":-0.2105292739967505},{"text":"So I don't know.","start":519.93,"end":521.23,"sentiment":"neutral","sentiment_score":-0.1277045365422964},{"text":"So Yeah.","start":523.20996,"end":563.33496,"sentiment":"neutral","sentiment_score":-0.03667664900422096}],"sentiment":"neutral","sentiment_score":-0.31349611685921747,"num_words":96,"start":476.17502,"end":563.33496},{"sentences":[{"text":"Yeah.","start":569.41003,"end":569.65,"sentiment":"neutral","sentiment_score":0.13909053802490234},{"text":"Well, I can make a phone call tomorrow when maybe make a phone call back tomorrow when we had a bit more fresh.","start":569.65,"end":575.99,"sentiment":"neutral","sentiment_score":0.12577107500122942},{"text":"I think that might be a a solution.","start":576.69,"end":579.51,"sentiment":"neutral","sentiment_score":0.1079031229019165},{"text":"Just I yeah.","start":580.765,"end":582.205,"sentiment":"neutral","sentiment_score":-0.018221219380696613},{"text":"I'm just, yeah, in the middle of something.","start":582.205,"end":585.165,"sentiment":"neutral","sentiment_score":-0.15144039690494537}],"sentiment":"neutral","sentiment_score":0.06113635843922926,"num_words":43,"start":569.41003,"end":585.165},{"sentences":[{"text":"I'm just yeah.","start":585.165,"end":586.785,"sentiment":"neutral","sentiment_score":-0.17097468674182892},{"text":"Yeah.","start":591.565,"end":592.065,"sentiment":"neutral","sentiment_score":0.04643259197473526},{"text":"Yeah.","start":601.52997,"end":601.93,"sentiment":"neutral","sentiment_score":0.10928975045681},{"text":"Yeah.","start":601.93,"end":602.43,"sentiment":"neutral","sentiment_score":0.0497736781835556},{"text":"No.","start":602.49,"end":602.88995,"sentiment":"neutral","sentiment_score":0.003127295523881912}],"sentiment":"neutral","sentiment_score":-0.04347153486950057,"num_words":7,"start":585.165,"end":602.88995},{"sentences":[{"text":"It's yeah.","start":602.88995,"end":604.41,"sentiment":"neutral","sentiment_score":-0.008371695410460234},{"text":"I'm trying to get, yeah, I'm just trying to get everything across to the account this evening, but I'll probably not get it across now.","start":604.41,"end":612.39496,"sentiment":"neutral","sentiment_score":-0.05413354167714715},{"text":"I'm just trying to get it loaded up.","start":612.39496,"end":613.915,"sentiment":"neutral","sentiment_score":-0.07596926018595695},{"text":"I was just having trouble with my bank.","start":613.915,"end":616.81494,"sentiment":"neutral","sentiment_score":-0.16387875378131866},{"text":"But yeah.","start":617.435,"end":618.0,"sentiment":"neutral","sentiment_score":-0.08374743536114693}],"sentiment":"neutral","sentiment_score":-0.07680802033800217,"num_words":45,"start":602.88995,"end":618.0},{"sentences":[{"text":"Yeah.","start":634.545,"end":635.02496,"sentiment":"neutral","sentiment_score":0.03372665122151375},{"text":"Next week.","start":635.02496,"end":636.005,"sentiment":"neutral","sentiment_score":0.01962370052933693},{"text":"Around this time, maybe.","start":636.305,"end":637.76495,"sentiment":"neutral","sentiment_score":0.014014783781021833},{"text":"Yeah.","start":638.14496,"end":638.64496,"sentiment":"neutral","sentiment_score":0.040601328015327454},{"text":"Oh, okay.","start":640.14496,"end":640.625,"sentiment":"neutral","sentiment_score":0.05726316757500172}],"sentiment":"neutral","sentiment_score":0.028416085056960583,"num_words":10,"start":634.545,"end":640.625},{"sentences":[{"text":"Can I call back tomorrow?","start":640.625,"end":642.005,"sentiment":"neutral","sentiment_score":0.04806448295712471},{"text":"Because, yeah, like I said, I'm just yeah.","start":642.065,"end":644.545,"sentiment":"neutral","sentiment_score":0.01639788504689932},{"text":"It's just I'm I'm, yeah, just in a bit of a no man's land here trying to sort things out with my tax and get the and then it's end of June again, like, you know, so just yeah.","start":644.545,"end":673.20496,"sentiment":"neutral","sentiment_score":0.006587471812963486},{"text":"Yeah.","start":673.20496,"end":673.52496,"sentiment":"neutral","sentiment_score":0.1211727112531662},{"text":"That's that's okay.","start":673.52496,"end":674.58496,"sentiment":"neutral","sentiment_score":0.1999480426311493}],"sentiment":"neutral","sentiment_score":0.024097030982375145,"num_words":56,"start":640.625,"end":674.58496},{"sentences":[{"text":"Yeah.","start":674.805,"end":675.125,"sentiment":"neutral","sentiment_score":0.19769027829170227},{"text":"Thank you.","start":675.125,"end":675.9,"sentiment":"positive","sentiment_score":0.4345344752073288},{"text":"Sorry.","start":681.58,"end":682.08,"sentiment":"neutral","sentiment_score":0.06441914290189743},{"text":"You got my job.","start":682.86005,"end":683.92004,"sentiment":"neutral","sentiment_score":0.16108136996626854},{"text":"Yeah.","start":683.98004,"end":684.22003,"sentiment":"neutral","sentiment_score":0.05155671760439873}],"sentiment":"neutral","sentiment_score":0.20300672989752558,"num_words":9,"start":674.805,"end":684.22003},{"sentences":[{"text":"Thanks.","start":684.22003,"end":684.72003,"sentiment":"positive","sentiment_score":0.7334567308425903},{"text":"Bye.","start":685.34,"end":685.84,"sentiment":"positive","sentiment_score":0.33717986941337585},{"text":"Bye bye.","start":686.94,"end":687.60004,"sentiment":"neutral","sentiment_score":0.1882583349943161},{"text":"Say bye.","start":687.98004,"end":688.72003,"sentiment":"neutral","sentiment_score":0.10109896957874298},{"text":"Bye.","start":688.78,"end":689.28,"sentiment":"neutral","sentiment_score":0.10965197533369064}],"sentiment":"neutral","sentiment_score":0.25128616924796787,"num_words":7,"start":684.22003,"end":689.28}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Ranka from XQ Financial. How are you?\n\nChannel 1: Oh, how are you doing? Hi. Hi.\n\nChannel 0: Yes.\n\nChannel 1: Hi. How are you?\n\nChannel 0: Good. How are you?\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: That's good. I had you booked in. It is a pretty quick catch up, but do you have some time for me?\n\nChannel 1: Yeah. Yeah. Just yeah. Yeah. You couldn't go\n\nChannel 0: Yeah?\n\nChannel 1: ahead there. Yep.\n\nChannel 0: Okay. If you do have to go, though, just let me know, but I'll try to make it pretty quick for you. Before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. Yeah. Twenty second of the ninth nineteen eighty five.\n\nChannel 0: Yep. Hello?\n\nChannel 1: Hello? Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Sorry. I just missed the the address there. I think it just cut out a little bit.\n\nChannel 1: Twenty second of the twenty second of the ninth nineteen eighty five.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now I had you booked in just following it there, the interview in our last conversation in regards to potentially looking at increasing your income protection a little bit. Do you remember that conversation?\n\nChannel 1: Yeah. I've yeah. I probably would've\n\nChannel 0: Vaguely?\n\nChannel 1: remembered that. Yeah. Maybe.\n\nChannel 0: No. That's that's okay. So, basically, during the annual review, we because, obviously, your income have gone up since we took out\n\nChannel 1: Yeah.\n\nChannel 0: your insurances, which is great. And you wanted to see what the cost would be if we increase it to match your current income. So I have heard back from the insurance. So I know you did the pre assessment with my colleague, Maddie, so thank you so much for that. And that gave me an insight into what the insurers would offer.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: with the cover now a lot of the insurers said that based on, obviously, you know, your medical history and also job at the moment, income protection would not be offered. There is, excuse me, there is one insurer who said that they might be able to look at it. If you are okay without medication and and no symptoms at all, they might be able to consider income protection.\n\nChannel 1: Okay.\n\nChannel 0: If if there are symptoms, then you'd need to be on medication for at least two months. They will also request medical reports from the doctor, and the best case scenario is that it will be a mental health exclusion, which is kind of what I was anticipating when we spoke last. So\n\nChannel 1: Yeah.\n\nChannel 0: what that would mean is that because at the moment, you don't have that, which is great. So I would not want to cancel what you currently have in place so you already have an income protection\n\nChannel 1: Yeah.\n\nChannel 0: because that will cover you for mental health if something were to happen. So I don't wanna cancel that. So what I was looking at was, okay, taking out a second income protection so that, jointly, they will\n\nChannel 1: Yep.\n\nChannel 0: give you that 70% of the income. Because like I said, I do not wanna cancel what you currently have with one pass\n\nChannel 1: Yep.\n\nChannel 0: because that is good, and that doesn't have the mental health. So if we look at a top up, so basically having two policies, the top up cover will have best case and mental health exclusion. Now what that means is that they will exclude mental health to be able to be claimed on. So that was obviously something to be mindful of if that is something you want to explore further because that's also I I know one of the reasons. We wanna make sure we have cover in place if\n\nChannel 1: Yeah.\n\nChannel 0: that is something you ever have to claim on. So a new policy will cover you for other things, but it will not cover you for anything mental health related.\n\nChannel 1: Yeah.\n\nChannel 0: Now, Bryce Wise, so that you know, on your current policy,\n\nChannel 1: Mhmm.\n\nChannel 0: you have a monthly amount of 4,089. So that is how much you would get paid on a monthly basis at the moment if we don't do anything. You have a thirty day waiting period and then a benefit for six years. So if something were to happen, you can be on claim for six years, which is very unique to OnePath. Now that is costing about 2,998.\n\nOkay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: A top up cover so because your income is a lot higher, you can be insured for up to 10,500. So a top up cover so if I use what you currently have with how much you could be covered, that leaves us about 6,410. So I then looked at the policy with that one insurer who said they might be able to cover for 6,410. Same thirty day waiting period, but they only offer a five year benefit, not six, because that is very unique to just one part.\n\nChannel 1: Yeah.\n\nChannel 0: So that will be one year less. Now that would cost 2,256 and, best case, have a mental health exclusion.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. I'm I'm trying to do two things. Well, I have three things in mind at the moment. I'm trying to sort out\n\nChannel 0: Yeah.\n\nChannel 1: the tax.\n\nChannel 0: Oh, oh, the fun things of doing that.\n\nChannel 1: My bank statements and stuff. Just going\n\nChannel 0: Yeah.\n\nChannel 1: through them.\n\nChannel 0: Yeah. So\n\nChannel 1: Because the client wants them. But, yeah,\n\nChannel 0: yeah.\n\nChannel 1: I'm trying to do that, and I'm thinking of getting out for a run, and I've planned to meet\n\nChannel 0: Yeah.\n\nChannel 1: someone for dinner this evening as well. So just trying to\n\nChannel 0: Busy\n\nChannel 1: get this\n\nChannel 0: busy.\n\nChannel 1: all sorted.\n\nChannel 0: Yeah. So,\n\nChannel 1: When you\n\nChannel 0: basically\n\nChannel 1: have that many transactions, it's hard to keep just put out\n\nChannel 0: tricky.\n\nChannel 1: all your statements into one thing. You have to separate\n\nChannel 0: Yes.\n\nChannel 1: them.\n\nChannel 0: Yes. Definitely. So so with this, though, I know it was more you wanted to know how much it cost. You still have your one part policy. You still have that you are covered for mental health.\n\nBut this is kind of the investigation of if you wanted to increase it, what it would look like. The choice is completely up to you. Whether you want me to just leave it with you and you to have a think about it, that is perfectly fine. The choice is up to you because the, yeah, the biggest thing is that it will have that mental health exclusion.\n\nChannel 1: Mental health exclusion as in what what way do you mean? Like,\n\nChannel 0: Sorry.\n\nChannel 1: I suppose that at this period of time for the last probably three since I was let go from my last job that has had a, you know, that has had a considerable amount of considerable out of the a considerable amount of pressure to me knowing tax time stuff's coming up as well. It's out\n\nChannel 0: Yeah.\n\nChannel 1: of the considerable amount of pressure to me and\n\nChannel 0: Yes.\n\nChannel 1: then just trying to get in and look for other jobs as well. So I\n\nChannel 0: Yeah.\n\nChannel 1: don't know.\n\nChannel 0: What we\n\nChannel 1: So\n\nChannel 0: could even do, given how much you have on right now, if now is not a good time to think about this, which is completely understandable, especially if you're looking because, also, if you're looking at potentially changing jobs, the insurer would want to wait until you have a new job. So what we can do, especially if everything tax time, you said it's it's a lot for you right now, the last thing I wanna do is then being like, okay. What do you wanna do with the insurances? So it's up to you. If you feel like right now is a lot, I can even just put a reminder and touch base in a couple of months seeing how you're feeling, where things are at, and what you want to do.\n\nOr\n\nChannel 1: Yeah.\n\nChannel 0: if you want me to just leave it with you, and then if it is something you wanna revisit, you let me know.\n\nChannel 1: Yeah. Well, I can make a phone call tomorrow when maybe make a phone call back tomorrow when we had a bit more fresh. I think that\n\nChannel 0: Yeah.\n\nChannel 1: might be a a solution.\n\nChannel 0: No. That's\n\nChannel 1: Just\n\nChannel 0: okay.\n\nChannel 1: I yeah. I'm just, yeah, in the middle\n\nChannel 0: I\n\nChannel 1: of something. I'm just\n\nChannel 0: no.\n\nChannel 1: yeah.\n\nChannel 0: That's okay, Barry. What I can do so I don't I don't work Fridays, but\n\nChannel 1: Yeah.\n\nChannel 0: what I can do is I can either give you a call next week, or I could do the week after if now is a really busy time for you. There's no stress.\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: Do you want\n\nChannel 1: It's\n\nChannel 0: me to do\n\nChannel 1: yeah. I'm trying to get, yeah, I'm just trying\n\nChannel 0: Yeah.\n\nChannel 1: to get everything across to the account this evening, but I'll probably not get it across now. I'm just trying to get it loaded up. I was just having\n\nChannel 0: Yeah.\n\nChannel 1: trouble with my bank. But\n\nChannel 0: No. That's\n\nChannel 1: yeah.\n\nChannel 0: okay. Well, I will let you go. I'll book you to catch up. Do you want next week, or do you want the following week? Completely up to you.\n\nChannel 1: Yeah. Next week. Around\n\nChannel 0: Next\n\nChannel 1: this time,\n\nChannel 0: week?\n\nChannel 1: maybe. Yeah.\n\nChannel 0: Okay. Let me have a look.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yes.\n\nChannel 1: Can I call back tomorrow? Because, yeah, like I said, I'm just yeah. It's just\n\nChannel 0: Yes.\n\nChannel 1: I'm I'm, yeah, just\n\nChannel 0: That's\n\nChannel 1: in\n\nChannel 0: okay.\n\nChannel 1: a bit of a no man's land here trying to sort things out with\n\nChannel 0: No worries.\n\nChannel 1: my tax and\n\nChannel 0: No.\n\nChannel 1: get the and\n\nChannel 0: That's okay.\n\nChannel 1: then it's end of June again, like, you know, so\n\nChannel 0: Yeah. That's okay. You can call the office tomorrow. I won't be in, but my colleagues will be able to book in an appointment with you tomorrow for the following week or the next week, whenever suits you.\n\nChannel 1: just yeah. Yeah. That's that's okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Okay. No. That's okay. Good luck with no. No worries.\n\nNo stress. Hopefully, you get to your dinner plans, and good luck with your\n\nChannel 1: Sorry.\n\nChannel 0: tax, and just let me know\n\nChannel 1: You got\n\nChannel 0: how you're\n\nChannel 1: my\n\nChannel 0: going.\n\nChannel 1: job. Yeah. Thanks.\n\nChannel 0: Yeah.\n\nChannel 1: Bye.\n\nChannel 0: No worries. We'll speak\n\nChannel 1: Bye\n\nChannel 0: soon.\n\nChannel 1: bye.\n\nChannel 0: Bye.\n\nChannel 1: Say bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.05328086018562317}],"sentiment":"neutral","sentiment_score":0.05328086018562317,"channel":1,"num_words":1,"start":2.8,"end":3.3},{"sentences":[{"text":"Good afternoon.","start":4.08,"end":4.88,"sentiment":"positive","sentiment_score":0.34148281812667847},{"text":"This is Ranka from XQ Financial.","start":4.88,"end":6.66,"sentiment":"neutral","sentiment_score":0.2738974417249362},{"text":"How are you?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.23947131633758545}],"sentiment":"neutral","sentiment_score":0.2767967486923391,"channel":0,"num_words":11,"start":4.08,"end":7.62},{"sentences":[{"text":"Oh, how are you doing?","start":8.72,"end":9.76,"sentiment":"neutral","sentiment_score":0.15977030098438263},{"text":"Hi.","start":9.76,"end":10.08,"sentiment":"neutral","sentiment_score":0.12846915423870087},{"text":"Hi.","start":10.08,"end":10.32,"sentiment":"neutral","sentiment_score":0.15046265721321106}],"sentiment":"neutral","sentiment_score":0.15396904519626073,"channel":1,"num_words":7,"start":8.72,"end":10.32},{"sentences":[{"text":"Yes.","start":10.24,"end":10.74,"sentiment":"neutral","sentiment_score":0.15754669904708862}],"sentiment":"neutral","sentiment_score":0.15754669904708862,"channel":0,"num_words":1,"start":10.24,"end":10.74},{"sentences":[{"text":"Hi.","start":10.32,"end":10.48,"sentiment":"neutral","sentiment_score":0.2266291975975037},{"text":"How are you?","start":10.48,"end":11.3,"sentiment":"neutral","sentiment_score":0.2509843409061432}],"sentiment":"neutral","sentiment_score":0.2448955550789833,"channel":1,"num_words":4,"start":10.32,"end":11.3},{"sentences":[{"text":"Good.","start":11.759999,"end":12.16,"sentiment":"positive","sentiment_score":0.3997248113155365},{"text":"How are you?","start":12.16,"end":13.059999,"sentiment":"neutral","sentiment_score":0.27023256321748096}],"sentiment":"neutral","sentiment_score":0.30260562524199486,"channel":0,"num_words":4,"start":11.759999,"end":13.059999},{"sentences":[{"text":"Yeah.","start":14.025,"end":14.424999,"sentiment":"neutral","sentiment_score":0.205301895737648},{"text":"Not too bad.","start":14.424999,"end":15.325,"sentiment":"neutral","sentiment_score":0.31785092254479724}],"sentiment":"neutral","sentiment_score":0.28971366584300995,"channel":1,"num_words":4,"start":14.025,"end":15.325},{"sentences":[{"text":"That's 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can call the office tomorrow.","start":662.145,"end":663.74506,"sentiment":"neutral","sentiment_score":0.13228193173805872},{"text":"I won't be in, but my colleagues will be able to book in an appointment with you tomorrow for the following week or the next week, whenever suits you.","start":663.74506,"end":671.88,"sentiment":"neutral","sentiment_score":0.12587638584704236}],"sentiment":"neutral","sentiment_score":0.12664017924352697,"channel":0,"num_words":38,"start":660.54504,"end":671.88},{"sentences":[{"text":"just yeah.","start":672.08496,"end":673.20496,"sentiment":"neutral","sentiment_score":0.08332344144582748},{"text":"Yeah.","start":673.20496,"end":673.52496,"sentiment":"neutral","sentiment_score":0.1211727112531662},{"text":"That's that's 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The policy covers mental health and provides a quote for a top up cover policy. The policy will cost $4,748 monthly and has a 30-day waiting period. The customer is considering changing their policy to increase coverage for mental health and is concerned about the cost. The agent suggests waiting until they have a new job and discusses a solution to increase coverage for mental health."},"intents":{"segments":[{"text":"I had you booked in. It is a pretty quick catch up, but do you have some time for me? Yeah. Yeah.","start_word":34,"end_word":55,"intents":[{"intent":"Confirm availability","confidence_score":0.0012045826}]},{"text":"Before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":88,"end_word":114,"intents":[{"intent":"Share call details","confidence_score":0.00011545786}]},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah.","start_word":115,"end_word":148,"intents":[{"intent":"Provide security information","confidence_score":0.06398541}]},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah. Yeah.","start_word":115,"end_word":149,"intents":[{"intent":"Confirm identity","confidence_score":0.66289896},{"intent":"Confirm identity","confidence_score":0.252044},{"intent":"Confirm identity","confidence_score":0.24729615}]},{"text":"So I have heard back from the insurance. So I know you did the pre assessment with my colleague, Maddie, so thank you so much for that. And that gave me an insight into what the insurers would offer. So Yeah.","start_word":290,"end_word":330,"intents":[{"intent":"Respond to speaker 2's comments","confidence_score":1.4454886e-8}]},{"text":"with the cover now a lot of the insurers said that based on, obviously, you know, your medical history and also job at the moment, income protection would not be offered. There is, excuse me, there is one insurer who said that they might be able to look at it. If you are okay without medication and and no symptoms at all, they might be able to consider income protection.","start_word":332,"end_word":401,"intents":[{"intent":"Clarify policy coverage","confidence_score":0.008623521}]},{"text":"Yep.","start_word":763,"end_word":763,"intents":[{"intent":"Clarify insurance costs","confidence_score":0.0002333542}]},{"text":"The choice is up to you because the, yeah, the biggest thing is that it will have that mental health exclusion. Mental health exclusion as in what what way do you mean? Like, Sorry.","start_word":1086,"end_word":1119,"intents":[{"intent":"Educate about mental health exclusion","confidence_score":0.0032418214}]},{"text":"what I can do is I can either give you a call next week, or I could do the week after if now is a really busy time for you. There's no stress.","start_word":1434,"end_word":1466,"intents":[{"intent":"Schedule appointment","confidence_score":0.033286646}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Ranka from XQ Financial. How are you? Oh, how are you doing? Hi. Hi. Yes. Hi. How are you?","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.2185521274805069},{"text":"Good.","start_word":24,"end_word":24,"sentiment":"positive","sentiment_score":0.3997248113155365},{"text":"How are you? Yeah. Not too bad.","start_word":25,"end_word":31,"sentiment":"neutral","sentiment_score":0.27593499422073364},{"text":"That's good.","start_word":32,"end_word":33,"sentiment":"positive","sentiment_score":0.5406992435455322},{"text":"I had you booked in. It is a pretty quick catch up, but do you have some time for me? Yeah. Yeah. Just yeah. Yeah. You couldn't go Yeah? ahead there. Yep. Okay. If you do have to go, though, just let me know, but I'll try to make it pretty quick for you. Before I go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yeah. Yeah. Twenty second of the ninth nineteen eighty five. Yep. Hello? Hello? Yeah. Yeah. Yeah. Yeah. Yep. Sorry. I just missed the the address there. I think it just cut out a little bit. Twenty second of the twenty second of the ninth nineteen eighty five. Yep. Yep. Perfect. Now I had you booked in just following it there, the interview in our last conversation in regards to potentially looking at increasing your income protection a little bit. Do you remember that conversation? Yeah. I've yeah. I probably would've Vaguely? remembered that. Yeah. Maybe. No. That's that's okay. So, basically, during the annual review, we because, obviously, your income have gone up since we took out Yeah.","start_word":34,"end_word":265,"sentiment":"neutral","sentiment_score":0.03884260728955269},{"text":"your insurances, which is great.","start_word":266,"end_word":270,"sentiment":"positive","sentiment_score":0.3694184422492981},{"text":"And you wanted to see what the cost would be if we increase it to match your current income. So I have heard back from the insurance.","start_word":271,"end_word":297,"sentiment":"neutral","sentiment_score":0.1942693144083023},{"text":"So I know you did the pre assessment with my colleague, Maddie, so thank you so much for that.","start_word":298,"end_word":316,"sentiment":"positive","sentiment_score":0.38745033740997314},{"text":"And that gave me an insight into what the insurers would offer. So Yeah. with the cover now a lot of the insurers said that based on, obviously, you know, your medical history and also job at the moment, income protection would not be offered. There is, excuse me, there is one insurer who said that they might be able to look at it. If you are okay without medication and and no symptoms at all, they might be able to consider income protection. Okay. If if there are symptoms, then you'd need to be on medication for at least two months. They will also request medical reports from the doctor, and the best case scenario is that it will be a mental health exclusion, which is kind of what I was anticipating when we spoke last. So Yeah. what that would mean is that because at the moment, you don't have that, which is great. So I would not want to cancel what you currently have in place so you already have an income protection Yeah. because that will cover you for mental health if something were to happen. So I don't wanna cancel that. So what I was looking at was, okay, taking out a second income protection so that, jointly, they will Yep. give you that 70% of the income. Because like I said, I do not wanna cancel what you currently have with one pass Yep. because that is good, and that doesn't have the mental health. So if we look at a top up, so basically having two policies, the top up cover will have best case and mental health exclusion. Now what that means is that they will exclude mental health to be able to be claimed on. So that was obviously something to be mindful of if that is something you want to explore further because that's also I I know one of the reasons. We wanna make sure we have cover in place if Yeah. that is something you ever have to claim on. So a new policy will cover you for other things, but it will not cover you for anything mental health related. Yeah. Now, Bryce Wise, so that you know, on your current policy, Mhmm. you have a monthly amount of 4,089. So that is how much you would get paid on a monthly basis at the moment if we don't do anything. You have a thirty day waiting period and then a benefit for six years. So if something were to happen, you can be on claim for six years, which is very unique to OnePath. Now that is costing about 2,998. Okay? Okay. Yep. A top up cover so because your income is a lot higher, you can be insured for up to 10,500. So a top up cover so if I use what you currently have with how much you could be covered, that leaves us about 6,410. So I then looked at the policy with that one insurer who said they might be able to cover for 6,410. Same thirty day waiting period, but they only offer a five year benefit, not six, because that is very unique to just one part. Yeah. So that will be one year less.","start_word":317,"end_word":861,"sentiment":"neutral","sentiment_score":-0.05225852936711334},{"text":"Now that would cost 2,256 and, best case, have a mental health exclusion.","start_word":862,"end_word":874,"sentiment":"negative","sentiment_score":-0.35850656032562256},{"text":"Yeah. Does that make sense? Yeah. Yeah. I'm I'm trying to do two things. Well, I have three things in mind at the moment. I'm trying to sort out Yeah. the tax. Oh, oh, the fun things of doing that. My bank statements and stuff. Just going Yeah. through them. Yeah. So Because the client wants them. But, yeah, yeah. I'm trying to do that, and I'm thinking of getting out for a run, and I've planned to meet Yeah. someone for dinner this evening as well. So just trying to Busy get this busy. all sorted. Yeah. So, When you basically have that many transactions, it's hard to keep just put out tricky. all your statements into one thing. You have to separate Yes. them. Yes. Definitely. So so with this, though, I know it was more you wanted to know how much it cost. You still have your one part policy. You still have that you are covered for mental health. But this is kind of the investigation of if you wanted to increase it, what it would look like. The choice is completely up to you. Whether you want me to just leave it with you and you to have a think about it, that is perfectly fine.","start_word":875,"end_word":1085,"sentiment":"neutral","sentiment_score":0.04700838632316669},{"text":"The choice is up to you because the, yeah, the biggest thing is that it will have that mental health exclusion. Mental health exclusion as in what what way do you mean?","start_word":1086,"end_word":1117,"sentiment":"negative","sentiment_score":-0.3722183406352997},{"text":"Like, Sorry.","start_word":1118,"end_word":1119,"sentiment":"neutral","sentiment_score":-0.30155718326568604},{"text":"I suppose that at this period of time for the last probably three since I was let go from my last job that has had a, you know, that has had a considerable amount of considerable out of the a considerable amount of pressure to me knowing tax time stuff's coming up as well.","start_word":1120,"end_word":1173,"sentiment":"negative","sentiment_score":-0.3691866099834442},{"text":"It's out Yeah. of the considerable amount of pressure to me and Yes. then just trying to get in and look for other jobs as well. So I Yeah. don't know. What we So could even do, given how much you have on right now, if now is not a good time to think about this, which is completely understandable, especially if you're looking because, also, if you're looking at potentially changing jobs, the insurer would want to wait until you have a new job. So what we can do, especially if everything tax time, you said it's it's a lot for you right now, the last thing I wanna do is then being like, okay. What do you wanna do with the insurances? So it's up to you. If you feel like right now is a lot, I can even just put a reminder and touch base in a couple of months seeing how you're feeling, where things are at, and what you want to do. Or Yeah. if you want me to just leave it with you, and then if it is something you wanna revisit, you let me know. Yeah. Well, I can make a phone call tomorrow when maybe make a phone call back tomorrow when we had a bit more fresh. I think Yeah. that might be a a solution. No. That's Just okay. I yeah. I'm just, yeah, in the middle I of something. I'm just no. yeah. That's okay, Barry. What I can do so I don't I don't work Fridays, but Yeah. what I can do is I can either give you a call next week, or I could do the week after if now is a really busy time for you. There's no stress. Yeah. Yeah. Do No. you want It's me to do yeah. I'm trying to get, yeah, I'm just trying Yeah. to get everything across to the account this evening, but I'll probably not get it across now. I'm just trying to get it loaded up. I was just having Yeah. trouble with my bank. But No. That's yeah. okay. Well, I will let you go. I'll book you to catch up. Do you want next week, or do you want the following week? Completely up to you. Yeah. Next week. Around Next this time, week? maybe. Yeah. Okay. Let me have a look. Oh, okay. Yes. Can I call back tomorrow? Because, yeah, like I said, I'm just yeah. It's just Yes. I'm I'm, yeah, just That's in okay. a bit of a no man's land here trying to sort things out with No worries. my tax and No. get the and That's okay. then it's end of June again, like, you know, so Yeah. That's okay. You can call the office tomorrow. I won't be in, but my colleagues will be able to book in an appointment with you tomorrow for the following week or the next week, whenever suits you. just yeah. Yeah. That's that's okay. Yeah. Yeah.","start_word":1174,"end_word":1676,"sentiment":"neutral","sentiment_score":-0.013816592514988915},{"text":"Thank you.","start_word":1677,"end_word":1678,"sentiment":"positive","sentiment_score":0.4162716269493103},{"text":"Okay. No. That's okay.","start_word":1679,"end_word":1682,"sentiment":"neutral","sentiment_score":0.1799067109823227},{"text":"Good luck with no.","start_word":1683,"end_word":1686,"sentiment":"positive","sentiment_score":0.4202926754951477},{"text":"No worries. No stress.","start_word":1687,"end_word":1690,"sentiment":"neutral","sentiment_score":0.278484582901001},{"text":"Hopefully, you get to your dinner plans, and good luck with your Sorry.","start_word":1691,"end_word":1703,"sentiment":"positive","sentiment_score":0.40219780802726746},{"text":"tax, and just let me know You got how you're my going. job. Yeah.","start_word":1704,"end_word":1717,"sentiment":"neutral","sentiment_score":0.13785624504089355},{"text":"Thanks. Yeah. Bye.","start_word":1718,"end_word":1720,"sentiment":"positive","sentiment_score":0.46762341260910034},{"text":"No worries. We'll speak Bye soon. bye. Bye. Say bye. Bye. Bye.","start_word":1721,"end_word":1732,"sentiment":"neutral","sentiment_score":0.15290038287639618}],"average":{"sentiment":"neutral","sentiment_score":-0.0031143321499804057}}}}