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I have just had a quick review of your personal statement before we submit it, and there's a few things that came up when you went through it with Jack. Did he did he when you went through so I just wanna confirm a few things because it makes it pretty difficult for an insurer to provide cover without going through full blood tests and medicals and all the rest of it if if they pay for it. So sometimes it's actually a good thing. But in terms of insurances, it does make it a little bit different to difficult to get what we call standard rates. K? So I just wanted to confirm with your postnatal depression, how long ago was that? Oh, just the recent child. Mhmm. Mhmm. Okay. Again, that's why they brought it up. Okay. And you've got some low b twelve and some issues with your knees? Okay. So with insurance companies, when you look at comprehensive cover, I'll I'll start with the the bad news, and I'll start with the good news. Okay? So bad news is when you look at three possible, what's called loadings or three exclusions or so what with your knees. Right? It's bilateral knee exclusion. That's just because of the preexisting conditions that you have. So that's two that's two exclusions right there. When it comes to your postnatal depression, that's a mental it's called a mental health exclusion. Got to do with preexisting conditions. Alright? So let's just say that you if you do get covered, then if you get stressed at work, that's still considered mental health, but it means that you won't essentially have you know, you won't essentially be covered for just the mental health of postnatal depression. So it doesn't sound like you're having kids anytime soon, so it's gonna be covered. But when it comes to the actual, you know, underwriting process, you're looking at three exclusions with a possible 50% loading. And when you get three exclusions plus anywhere above 25% loading, it's an automatic decline. Now if we proceed with the application, that means that and it means that you're just, you know, to an insurer at the moment until you get a few things sorted out, then you're just too high of a risk, okay, from an actuarial point of view. So that's the bad news. We can go ahead with the application if you like, but the likelihood of having it on record of it being a decline will make your you getting insurances down the track a lot more difficult. Okay? So that's the bad news. Good news is we do have a plan around us. K? So what we can do is go through a couple of questions. There's about seven, quite different questions. It's called what's it's what's called takeover terms. And this means that we can still consolidate depending on how we answer these questions. You can consolidate all your super into the recommended fund that we have for you as per your statement advice. And then we can just that that Superfund trustee can take over those insurance terms. And then you can have all your super in one place. Does that make sense? Beautiful. So I'm gonna oh, do you have two yeah. Can I give you a callback? No. That's okay. That's okay. When's a good time for me to give you a callback to ask those questions? Tomorrow? What time tomorrow? Does morning or afternoon suit you better? Okay. I can do yeah. Yeah. Yeah. Not a problem. Can I do 09:30? Amazing. Honestly, it will take two minutes. It's it's it's six questions. So perfect. I'll give you a call tomorrow. You get back to the kids. I'll speak to you soon. Alright? See you. See you. Bye. 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there. MSFD Delta calling. Oakview Financial. How are you? I am very well.\n\nThank you for asking. I have just had a quick review of your personal statement before we submit it, and there's a few things that came up when you went through it with Jack. Did he did he when you went through so I just wanna confirm a few things because it makes it pretty difficult for an insurer to provide cover without going through full blood tests and medicals and all the rest of it if if they pay for it. So sometimes it's actually a good thing. But in terms of insurances, it does make it a little bit different to difficult to get what we call standard rates.\n\nK? So I just wanted to confirm with your postnatal depression, how long ago was that? Oh, just the recent child. Mhmm. Mhmm.\n\nOkay. Again, that's why they brought it up. Okay. And you've got some low b twelve and some issues with your knees? Okay.\n\nSo with insurance companies, when you look at comprehensive cover, I'll I'll start with the the bad news, and I'll start with the good news. Okay? So bad news is when you look at three possible, what's called loadings or three exclusions or so what with your knees. Right? It's bilateral knee exclusion.\n\nThat's just because of the preexisting conditions that you have. So that's two that's two exclusions right there. When it comes to your postnatal depression, that's a mental it's called a mental health exclusion. Got to do with preexisting conditions. Alright?\n\nSo let's just say that you if you do get covered, then if you get stressed at work, that's still considered mental health, but it means that you won't essentially have you know, you won't essentially be covered for just the mental health of postnatal depression. So it doesn't sound like you're having kids anytime soon, so it's gonna be covered. But when it comes to the actual, you know, underwriting process, you're looking at three exclusions with a possible 50% loading. And when you get three exclusions plus anywhere above 25% loading, it's an automatic decline. Now if we proceed with the application, that means that and it means that you're just, you know, to an insurer at the moment until you get a few things sorted out, then you're just too high of a risk, okay, from an actuarial point of view.\n\nSo that's the bad news. We can go ahead with the application if you like, but the likelihood of having it on record of it being a decline will make your you getting insurances down the track a lot more difficult. Okay? So that's the bad news. Good news is we do have a plan around us.\n\nK? So what we can do is go through a couple of questions. There's about seven, quite different questions. It's called what's it's what's called takeover terms. And this means that we can still consolidate depending on how we answer these questions.\n\nYou can consolidate all your super into the recommended fund that we have for you as per your statement advice. And then we can just that that Superfund trustee can take over those insurance terms. And then you can have all your super in one place. Does that make sense? Beautiful.\n\nSo I'm gonna oh, do you have two yeah. Can I give you a callback? No. That's okay. That's okay.\n\nWhen's a good time for me to give you a callback to ask those questions? Tomorrow? What time tomorrow? Does morning or afternoon suit you better? Okay.\n\nI can do yeah. Yeah. Yeah. Not a problem. Can I do 09:30?\n\nAmazing. Honestly, it will take two minutes. It's it's it's six questions. So perfect. I'll give you a call tomorrow.\n\nYou get back to the kids. I'll speak to you soon. Alright? See you. See you.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hey there.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.0616433285176754},{"text":"MSFD Delta calling.","start":3.1999998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.056901524464289345},{"text":"Oakview Financial.","start":4.3199997,"end":5.22,"sentiment":"neutral","sentiment_score":0.06936224177479744},{"text":"How are you?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.10862545669078827},{"text":"I am very well.","start":7.7599998,"end":9.2,"sentiment":"positive","sentiment_score":0.5442198067903519}],"sentiment":"neutral","sentiment_score":0.209676522229399,"num_words":14,"start":2.6399999,"end":9.2},{"sentences":[{"text":"Thank you for asking.","start":9.2,"end":10.26,"sentiment":"positive","sentiment_score":0.5796425938606262},{"text":"I have just had a quick review of your personal statement before we submit it, and there's a few things that came up when you went 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Emma speaking. Hi. Good. Thank you.\n\nHow are you? Oh, okay. Okay. Well, she's 14.5 now. So that was probably I think I was seeing someone for the first four or five months maybe.\n\nYes. Mhmm. Yeah. Mhmm. Yep.\n\nYep. Mhmm. Okay. Yep. Okay.\n\nOkay. Yes. Cool. Is it possible? Yeah.\n\nThe bell's just gone, so I have to go to class. Maybe tomorrow? Is there any time? I have a physio appointment at eleven, so probably anytime before ten after twelve would probably yep. We can do 09:30.\n\nAwesome. Cool. Brilliant. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.019208304584026337},{"text":"Emma speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.01647696690633893},{"text":"Hi.","start":6.16,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.261804461479187},{"text":"Good.","start":6.3999996,"end":6.56,"sentiment":"positive","sentiment_score":0.5391366481781006},{"text":"Thank you.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.585851639509201}],"sentiment":"neutral","sentiment_score":0.28925808958177057,"num_words":7,"start":1.28,"end":6.8799996},{"sentences":[{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"positive","sentiment_score":0.373669038216273},{"text":"Oh, 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Emma speaking.\n\nChannel 0: Hey there. MSFD Delta calling. Oakview Financial. How are you?\n\nChannel 1: Hi. Good. Thank you. How are you?\n\nChannel 0: I am very well. Thank you for asking. I have just had a quick review of your personal statement before we submit it, and there's a few things that came up when you went through it with Jack.\n\nChannel 1: Oh,\n\nChannel 0: Did\n\nChannel 1: okay.\n\nChannel 0: he did he when you went through so I just wanna confirm a few things because it makes it pretty difficult for an insurer to provide cover without going through full blood tests and medicals and all the rest of it if if they pay for it. So sometimes it's actually a good thing. But\n\nChannel 1: Okay.\n\nChannel 0: in terms of insurances, it does make it a little bit different to difficult to get what we call standard rates. K? So I just wanted to confirm with your postnatal depression, how long ago was that? Oh, just the recent child.\n\nChannel 1: Well, she's 14.5 now. So\n\nChannel 0: Mhmm.\n\nChannel 1: that\n\nChannel 0: Mhmm.\n\nChannel 1: was probably I think I was seeing someone for the first four or\n\nChannel 0: Okay. Again, that's why they brought it up. Okay.\n\nChannel 1: five\n\nChannel 0: And you've got some low b twelve\n\nChannel 1: months\n\nChannel 0: and some issues with your knees?\n\nChannel 1: maybe.\n\nChannel 0: Okay. So\n\nChannel 1: Yes.\n\nChannel 0: with insurance companies, when you look at comprehensive cover, I'll I'll start with the the bad news, and I'll start with the good news. Okay?\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: So bad news is when you look at three possible, what's called loadings or three exclusions or so what with your knees. Right? It's bilateral knee exclusion. That's just because of the preexisting conditions that you have.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: that's two that's two exclusions right there. When it comes to your postnatal depression, that's a mental it's called a mental health exclusion. Got to do with preexisting conditions. Alright?\n\nChannel 1: Yep.\n\nChannel 0: So let's just say that you if you do get covered, then if you get stressed at work, that's still considered mental health, but it means that you won't essentially have you know, you won't essentially be covered for just the mental health of postnatal depression. So it doesn't sound like you're having kids anytime soon, so it's gonna be covered. But when it comes to the actual, you know, underwriting process, you're looking at three exclusions with a possible 50% loading. And when you get three exclusions plus anywhere above 25% loading, it's an automatic decline. Now if we proceed with the application, that means that and it means that you're\n\nChannel 1: Mhmm.\n\nChannel 0: just, you know, to an insurer at the moment until you get a few things sorted out, then you're just too high of a risk, okay, from an\n\nChannel 1: Okay.\n\nChannel 0: actuarial point of view.\n\nChannel 1: Yep.\n\nChannel 0: So that's the bad news. We can go ahead with the application if you like, but the likelihood of having it on record of it being a decline will make your you getting insurances down the track a lot more difficult. Okay?\n\nChannel 1: Okay.\n\nChannel 0: So that's the bad news. Good news is we do have a plan around us. K? So what we can do is go through a couple of questions. There's about seven, quite different questions.\n\nIt's called what's it's what's called takeover terms. And this means that we can still consolidate depending on how we answer these questions. You can consolidate all your super into the recommended fund that we have for you as per your statement advice. And then we can just that that Superfund trustee can take over those insurance terms. And then you can have\n\nChannel 1: Okay.\n\nChannel 0: all your super in one place. Does that make sense?\n\nChannel 1: Yes. Cool.\n\nChannel 0: Beautiful. So I'm gonna oh, do\n\nChannel 1: Is\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: have\n\nChannel 1: possible?\n\nChannel 0: two yeah. Can I give you a callback?\n\nChannel 1: Yeah. The bell's just gone, so I have to go to class.\n\nChannel 0: No. That's okay. That's okay. When's a good time for me to give you a callback to ask those questions?\n\nChannel 1: Maybe tomorrow?\n\nChannel 0: Tomorrow?\n\nChannel 1: Is\n\nChannel 0: What\n\nChannel 1: there\n\nChannel 0: time\n\nChannel 1: any time?\n\nChannel 0: tomorrow? Does morning or afternoon suit you better?\n\nChannel 1: I have a physio appointment at eleven,\n\nChannel 0: Okay.\n\nChannel 1: so probably anytime\n\nChannel 0: I can\n\nChannel 1: before\n\nChannel 0: do\n\nChannel 1: ten after twelve would probably\n\nChannel 0: yeah. Yeah. Yeah. Not a problem. Can I do 09:30?\n\nChannel 1: yep. We can do 09:30.\n\nChannel 0: Amazing. Honestly, it will take two minutes. It's it's\n\nChannel 1: Awesome.\n\nChannel 0: it's six questions. So\n\nChannel 1: Cool.\n\nChannel 0: perfect. I'll give you a call tomorrow. You get back to the kids. I'll speak to you soon.\n\nChannel 1: Brilliant.\n\nChannel 0: Alright?\n\nChannel 1: Thanks. See you later.\n\nChannel 0: See\n\nChannel 1: Bye.\n\nChannel 0: you. See you. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.019208304584026337},{"text":"Emma speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.01647696690633893}],"sentiment":"neutral","sentiment_score":0.017387412798901398,"channel":1,"num_words":3,"start":1.28,"end":2.42},{"sentences":[{"text":"Hey there.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.0616433285176754},{"text":"MSFD Delta calling.","start":3.1999998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.056901524464289345},{"text":"Oakview Financial.","start":4.3199997,"end":5.22,"sentiment":"neutral","sentiment_score":0.06936224177479744},{"text":"How are 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asking.","start":9.2,"end":10.26,"sentiment":"positive","sentiment_score":0.5796425938606262},{"text":"I have just had a quick review of your personal statement before we submit it, and there's a few things that came up when you went through it with 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confirm a few things because it makes it pretty difficult for an insurer to provide cover without going through full blood tests and medicals and all the rest of it if if they pay for it.","start":20.935001,"end":34.48,"sentiment":"neutral","sentiment_score":0.01920294761657715},{"text":"So sometimes it's actually a good thing.","start":34.48,"end":36.5,"sentiment":"neutral","sentiment_score":0.258407073361533},{"text":"But","start":36.72,"end":37.2,"sentiment":"neutral","sentiment_score":0.02379807829856873}],"sentiment":"neutral","sentiment_score":0.04973065690560775,"channel":0,"num_words":55,"start":20.935001,"end":37.2},{"sentences":[{"text":"Okay.","start":36.97,"end":37.47,"sentiment":"neutral","sentiment_score":-0.04924927651882171}],"sentiment":"neutral","sentiment_score":-0.04924927651882171,"channel":1,"num_words":1,"start":36.97,"end":37.47},{"sentences":[{"text":"in terms of insurances, it does make it a little bit different to difficult to get what we call standard 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insurance companies, when you look at comprehensive cover, I'll I'll start with the the bad news, and I'll start with the good news.","start":70.865005,"end":77.185005,"sentiment":"neutral","sentiment_score":-0.08664320626606543},{"text":"Okay?","start":77.185005,"end":77.685005,"sentiment":"neutral","sentiment_score":-0.043128326535224915}],"sentiment":"neutral","sentiment_score":-0.08490261107683182,"channel":0,"num_words":25,"start":70.865005,"end":77.685005},{"sentences":[{"text":"Mhmm.","start":77.695,"end":77.775,"sentiment":"neutral","sentiment_score":-0.075330451130867},{"text":"Yeah.","start":77.775,"end":78.275,"sentiment":"neutral","sentiment_score":-0.11797352135181428}],"sentiment":"neutral","sentiment_score":-0.09665198624134064,"channel":1,"num_words":2,"start":77.695,"end":78.275},{"sentences":[{"text":"So bad news is when you look at three possible, what's called loadings or three exclusions or so what with your 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They discuss the insurance coverage for postnatal depression and mental health exclusions. The agent explains that they can still consolidate the customer's coverage into their recommended fund and asks for a callback to ask the questions."},"intents":{"segments":[{"text":"I have just had a quick review of your personal statement before we submit it, and there's a few things that came up when you went through it with Jack. Oh, Did okay.","start_word":28,"end_word":60,"intents":[{"intent":"Confirm personal statement","confidence_score":0.5294146}]},{"text":"So I just wanted to confirm with your postnatal depression, how long ago was that? Oh, just the recent child.","start_word":139,"end_word":158,"intents":[{"intent":"Confirm postnatal depression","confidence_score":0.47600445}]},{"text":"Well, she's 14.5 now. 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The bell's just gone, so I have to go to class. No. That's okay. That's okay. When's a good time for me to give you a callback to ask those questions? Maybe tomorrow? Tomorrow?","start_word":619,"end_word":659,"intents":[{"intent":"Schedule callback","confidence_score":0.23759258}]},{"text":"tomorrow? Does morning or afternoon suit you better? I have a physio appointment at eleven, Okay. so probably anytime I can before do ten after twelve would probably yeah. Yeah. Yeah.","start_word":666,"end_word":696,"intents":[{"intent":"Confirm call time","confidence_score":0.029403847}]},{"text":"I have a physio appointment at eleven, Okay.","start_word":674,"end_word":681,"intents":[{"intent":"Schedule physio appointment","confidence_score":0.2001948}]}]},"sentiments":{"segments":[{"text":"Hello. Emma speaking. Hey there. MSFD Delta calling. Oakview Financial. How are you? Hi.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.07767806947231293},{"text":"Good. Thank you. How are you? I am very well. Thank you for asking.","start_word":14,"end_word":27,"sentiment":"positive","sentiment_score":0.5206204652786255},{"text":"I have just had a quick review of your personal statement before we submit it, and there's a few things that came up when you went through it with Jack. Oh, Did okay. he did he when you went through so I just wanna confirm a few things because it makes it pretty difficult for an insurer to provide cover without going through full blood tests and medicals and all the rest of it if if they pay for it. So sometimes it's actually a good thing. But Okay. in terms of insurances, it does make it a little bit different to difficult to get what we call standard rates. K? So I just wanted to confirm with your postnatal depression, how long ago was that? Oh, just the recent child. Well, she's 14.5 now. So Mhmm. that Mhmm. was probably I think I was seeing someone for the first four or Okay. Again, that's why they brought it up. Okay. five And you've got some low b twelve months and some issues with your knees? maybe. Okay. So Yes. with insurance companies, when you look at comprehensive cover, I'll I'll start with the the bad news, and I'll start with the good news. Okay? Mhmm. Yeah. So bad news is when you look at three possible, what's called loadings or three exclusions or so what with your knees. Right? It's bilateral knee exclusion.","start_word":28,"end_word":261,"sentiment":"neutral","sentiment_score":-0.040169764310121536},{"text":"That's just because of the preexisting conditions that you have.","start_word":262,"end_word":271,"sentiment":"negative","sentiment_score":-0.47159308195114136},{"text":"Mhmm. So Yep. that's two that's two exclusions right there. When it comes to your postnatal depression, that's a mental it's called a mental health exclusion. Got to do with preexisting conditions. Alright? Yep. 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