{"metadata":{"transaction_key":"deprecated","request_id":"17f53969-0b5d-4d80-b839-f1cc5bd8d8fd","sha256":"39d9b51485746c2ff67343de9155bc4bb7a5fc7ec598b806ad98a94a19f6d869","created":"2026-02-10T23:31:11.178Z","duration":864.7199,"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":2934,"output_tokens":112},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3195,"output_tokens":3202},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3195,"output_tokens":208}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Rob. That's okay. Yes. I can hear you. Can you hear me? Yep. I can hear you. Can you hear me? I don't know. Sometimes yeah. I don't know. Now, Roy, just because I just called you up, even though I can't hear it's you, just for security, I will need you just to confirm your full name and date of birth and address for me again, please. Yep. Perfect. Thank you so much. Now like I said as well, it is just a recommendation to show you to save the premium because the monthly almost half set. So if you're unsure what you what you want to if you wanna keep it or not, at least halving it will save you a bit of money each month, and then you can always decide. Like I said, it is a recommendation if you feel like it's not worth any and you don't want it. It is ultimately up to you, but, obviously, then be mindful that at the moment, I can't get a replacement. So at least it it shows you. Yeah. At least as a starting point, then we can always assess at our next annual review how you feel. But at least in the meantime, it will save you, you know, $200 a month, which is pretty pretty decent. Now the the other good thing, though, I do wanna mention first is if you wanna scroll down through let me see here. Page 27 for me. Can you see where it says rod apply for life and TPD? Can you see that? Yes. Yeah. So the good thing is that I have found one insurer, Wampas, who is willing to offer total permanent disability. So that is if you are totally and permanently disabled, and you can never go back to work again. So it is a little bit different one. At the moment, you don't have a total permanent disability insurance. So I have been able to find one for you. Now that is medically underwritten with OnePath, so it is very comprehensive. You would kind of go through a bit of a a medical questionnaire. You will then be locked in. And anything that happens after that point, you would then be covered. So it is a lot more comprehensive and extensive than those default covers that they just set up for you automatically because they don't really know anything about you. So the good thing is, again, it's just a recommendation to show you, but I have found one path who are willing to do it. Now I think when we spoke last time, you mentioned that you were happy with around just 500,000. That would give you about five years worth of that 100,000. You know, if something were to happen, that would kind of give you a bit of a buffer. So that is about 500,000. Now this is paid from within the super. So this is not from your back pocket, just from your super. Now I know you mentioned as well that life insurance you weren't that concerned about because, obviously, not much debt. But, actually, the way that the insurances can be structured is that it is actually cheaper for you to add the life policy through the total permanent disability, basically having them linked so that, let's say, if one whichever event happens first is what you would then be paid paid on. So if you were to pass away, it will then be, you know, that 500,000. If you were to, you know, be unable to go back to work because of an illness or an accident, like, if you cannot go back to work, then you will get paid the 500,000. It would cancel the life, But then after twelve years of life, it's reinstated. So there's an additional 500 for your loved ones if something were to happen, and that is only for the purpose of making your policy cheaper. Because I know you said you don't really care about it, but it makes your TPD policy cheaper. So if you get an additional 500 worth of life and it makes the other policy cheaper, then, you know, that's only a bonus. Does that make sense? Yep. Yeah. Now this is paid from within Netwealth for you. The total premium is 4,318 from super for both of them. Again, it's just to show you. It's up to you if you want it or not at the end of the day. So that would give you that total permanent disability cover. Now on by replacing the cover, we can then go ahead and cancel your AIA life policy. So that one is one that's paid from the ask card for you. It is more cover at 816, but just that life alone, it is costing 4,360. So that is basically saving so it's basically more expensive for just your life policy than the one that we are replacing with. Obviously, you will have a little bit less, but you will then also have the total permanent disability cover as well, and it's making it a little bit cheaper. Yep. Now I have recommended that we cancel your HESTA insurances because the income protection is so minimal. But it is up to you. If you really want to keep it, we can. What it would mean, though, is that we would keep about maybe 10,000 or so in HESTA, and we would have your contributions going there instead. So if if if you feel like you want that, we can change it. But giving at the moment, that is only about $1,000 per month, you still have to wait that ninety days. Waiting period, it it doesn't give you much. Yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. So that is the the the downside. Do you feel like you want to keep that HESTA even though it's only about $1,000 a month? Do you feel like you would prefer to do that? Yep. Yeah. And and and that's good. Just let me know. Because if you say, do you know what? I want to do that. That's okay. We can change it, and we can do that. It would just mean that you would have HESTA open as well as Netwealth. And, obviously, the contribution Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. So it is something true. Because, obviously, you still have to wait the ninety days for it. And in Exactly. So it's something for you to think about. Now, obviously, the other thing is, like, if you are contributing $200 per week into super at the moment, that's $800 a month. So, you know, ultimately, it's up to you. It's for the cost of it. No. Per it's costing you 5 154 a year. So per month, it's costing you $45 a month to have that. So have a think about it, and then you can let me know what you prefer, and I can always get it updated if you tell me, do you know what? I really want that as well. Even though it's only a thousand dollars I want it, that's okay. It is ultimately up to you. I would say I might even schedule in a little catch up even maybe Monday, especially if you say that the HESTA insurances are due to lapse soon. I might even give HESTA a call later today just to check when it actually will lapse because we don't want that lapsing if you're unsure what you wanna do. Yeah. Sure. Yeah. Well, I'm almost at the I'm almost at the end there for you, Rod. So I will just do the last bit, then I will let you go, and then you can take that call. Now, essentially, I'll let you have a read over the other kind of couple of pages, but it outlines that insurance policy in a bit more detail, why I have recommended it for you, why I have suggested we cancel the other ones. I'll let you have a read over all of that, you know, in your own time. And then the last thing I do wanna mention is just the remuneration. So like I mentioned, if you, you know, want to go ahead with these changes, there is no upfront due for anuation fee at all. It is just part of that ongoing service agreement. So that would be, obviously, if you are happy to stay on as a client, it will then be another service agreement for the next twelve months. But, you know, if you are at any point in time not happy with the services, you can cancel whenever you want to. So that then allows us to manage your super and your insurances and do all of this for you. It is from your superannuation. No changes. Just that ongoing fee of 1.65, okay, from super. Now the other thing is just the one path insurances. So we do get commissions for insurance policy. So when we set them up, it's 66% of the premium upfront. It is 23% ongoing. However, that is the insurance paying us. It is not you paying us. It is them paying us. But for compliance and to make sure that you're fully aware of it, we do have to let you know that it is them paying us. Okay? Yep. Now the the next couple of things is then just talking about how we would go about doing the changes. We would obviously help you through the process, but it will be to start consolidating your. We wanna get that new insurance policy enforced for you, also submit the reduction. We would submit that to Afscard through reduce your sorry, the Astrone to reduce your income protection if you're happy with that, and then get everything consolidated and send you those contributions form to keep, you know, contributing to super to grow that. So we would kind of, you know, help you through the process so you wouldn't have to worry about what comes next. So that is all outlined there for you. Now I know that was a a lot to get through today, Ross. So I will have a read through the documents. You know, any questions or anything like that, let me know. Do you want me to give you a call, like, tomorrow afternoon to see how you go, or do you wanna wait till, like, Monday to give you more time to have a think about what you wanna do? Because I'm also mindful of time. Yeah? Okay. Yeah. Perfect. Alright. I have currently I can give you a call around 03:30. Would that work? Yeah. Alright. Perfect. You can obviously go back through this email today and have a read through it tonight or tomorrow morning, whenever you have time. And then, yeah, just let me know what you wanna do, and I will get Caden through call Hester and just reconfirm when that lapses just to be safe for you in the meantime. Yep. Alright. Perfect. Well, thank you so much for your time today, Rod, and I look forward to speaking with you tomorrow. And if anything changes or you have any questions before then, you know, just give me a call. No problem. Well, enjoy the rest of your day, Rod. Thanks. 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Rob. That's okay. Yes. I can hear you. Can you hear me?\n\nYep. I can hear you. Can you hear me? I don't know. Sometimes yeah.\n\nI don't know. Now, Roy, just because I just called you up, even though I can't hear it's you, just for security, I will need you just to confirm your full name and date of birth and address for me again, please. Yep. Perfect. Thank you so much.\n\nNow like I said as well, it is just a recommendation to show you to save the premium because the monthly almost half set. So if you're unsure what you what you want to if you wanna keep it or not, at least halving it will save you a bit of money each month, and then you can always decide. Like I said, it is a recommendation if you feel like it's not worth any and you don't want it. It is ultimately up to you, but, obviously, then be mindful that at the moment, I can't get a replacement. So at least it it shows you.\n\nYeah. At least as a starting point, then we can always assess at our next annual review how you feel. But at least in the meantime, it will save you, you know, $200 a month, which is pretty pretty decent. Now the the other good thing, though, I do wanna mention first is if you wanna scroll down through let me see here. Page 27 for me.\n\nCan you see where it says rod apply for life and TPD? Can you see that? Yes. Yeah. So the good thing is that I have found one insurer, Wampas, who is willing to offer total permanent disability.\n\nSo that is if you are totally and permanently disabled, and you can never go back to work again. So it is a little bit different one. At the moment, you don't have a total permanent disability insurance. So I have been able to find one for you. Now that is medically underwritten with OnePath, so it is very comprehensive.\n\nYou would kind of go through a bit of a a medical questionnaire. You will then be locked in. And anything that happens after that point, you would then be covered. So it is a lot more comprehensive and extensive than those default covers that they just set up for you automatically because they don't really know anything about you. So the good thing is, again, it's just a recommendation to show you, but I have found one path who are willing to do it.\n\nNow I think when we spoke last time, you mentioned that you were happy with around just 500,000. That would give you about five years worth of that 100,000. You know, if something were to happen, that would kind of give you a bit of a buffer. So that is about 500,000. Now this is paid from within the super.\n\nSo this is not from your back pocket, just from your super. Now I know you mentioned as well that life insurance you weren't that concerned about because, obviously, not much debt. But, actually, the way that the insurances can be structured is that it is actually cheaper for you to add the life policy through the total permanent disability, basically having them linked so that, let's say, if one whichever event happens first is what you would then be paid paid on. So if you were to pass away, it will then be, you know, that 500,000. If you were to, you know, be unable to go back to work because of an illness or an accident, like, if you cannot go back to work, then you will get paid the 500,000.\n\nIt would cancel the life, But then after twelve years of life, it's reinstated. So there's an additional 500 for your loved ones if something were to happen, and that is only for the purpose of making your policy cheaper. Because I know you said you don't really care about it, but it makes your TPD policy cheaper. So if you get an additional 500 worth of life and it makes the other policy cheaper, then, you know, that's only a bonus. Does that make sense?\n\nYep. Yeah. Now this is paid from within Netwealth for you. The total premium is 4,318 from super for both of them. Again, it's just to show you.\n\nIt's up to you if you want it or not at the end of the day. So that would give you that total permanent disability cover. Now on by replacing the cover, we can then go ahead and cancel your AIA life policy. So that one is one that's paid from the ask card for you. It is more cover at 816, but just that life alone, it is costing 4,360.\n\nSo that is basically saving so it's basically more expensive for just your life policy than the one that we are replacing with. Obviously, you will have a little bit less, but you will then also have the total permanent disability cover as well, and it's making it a little bit cheaper. Yep. Now I have recommended that we cancel your HESTA insurances because the income protection is so minimal. But it is up to you.\n\nIf you really want to keep it, we can. What it would mean, though, is that we would keep about maybe 10,000 or so in HESTA, and we would have your contributions going there instead. So if if if you feel like you want that, we can change it. But giving at the moment, that is only about $1,000 per month, you still have to wait that ninety days. Waiting period, it it doesn't give you much.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. So that is the the the downside. Do you feel like you want to keep that HESTA even though it's only about $1,000 a month?\n\nDo you feel like you would prefer to do that? Yep. Yeah. And and and that's good. Just let me know.\n\nBecause if you say, do you know what? I want to do that. That's okay. We can change it, and we can do that. It would just mean that you would have HESTA open as well as Netwealth.\n\nAnd, obviously, the contribution Yeah. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. So it is something true.\n\nBecause, obviously, you still have to wait the ninety days for it. And in Exactly. So it's something for you to think about. Now, obviously, the other thing is, like, if you are contributing $200 per week into super at the moment, that's $800 a month. So, you know, ultimately, it's up to you.\n\nIt's for the cost of it. No. Per it's costing you 5 154 a year. So per month, it's costing you $45 a month to have that. So have a think about it, and then you can let me know what you prefer, and I can always get it updated if you tell me, do you know what?\n\nI really want that as well. Even though it's only a thousand dollars I want it, that's okay. It is ultimately up to you. I would say I might even schedule in a little catch up even maybe Monday, especially if you say that the HESTA insurances are due to lapse soon. I might even give HESTA a call later today just to check when it actually will lapse because we don't want that lapsing if you're unsure what you wanna do.\n\nYeah. Sure. Yeah. Well, I'm almost at the I'm almost at the end there for you, Rod. So I will just do the last bit, then I will let you go, and then you can take that call.\n\nNow, essentially, I'll let you have a read over the other kind of couple of pages, but it outlines that insurance policy in a bit more detail, why I have recommended it for you, why I have suggested we cancel the other ones. I'll let you have a read over all of that, you know, in your own time. And then the last thing I do wanna mention is just the remuneration. So like I mentioned, if you, you know, want to go ahead with these changes, there is no upfront due for anuation fee at all. It is just part of that ongoing service agreement.\n\nSo that would be, obviously, if you are happy to stay on as a client, it will then be another service agreement for the next twelve months. But, you know, if you are at any point in time not happy with the services, you can cancel whenever you want to. So that then allows us to manage your super and your insurances and do all of this for you. It is from your superannuation. No changes.\n\nJust that ongoing fee of 1.65, okay, from super. Now the other thing is just the one path insurances. So we do get commissions for insurance policy. So when we set them up, it's 66% of the premium upfront. It is 23% ongoing.\n\nHowever, that is the insurance paying us. It is not you paying us. It is them paying us. But for compliance and to make sure that you're fully aware of it, we do have to let you know that it is them paying us. Okay?\n\nYep. Now the the next couple of things is then just talking about how we would go about doing the changes. We would obviously help you through the process, but it will be to start consolidating your. We wanna get that new insurance policy enforced for you, also submit the reduction. We would submit that to Afscard through reduce your sorry, the Astrone to reduce your income protection if you're happy with that, and then get everything consolidated and send you those contributions form to keep, you know, contributing to super to grow that.\n\nSo we would kind of, you know, help you through the process so you wouldn't have to worry about what comes next. So that is all outlined there for you. Now I know that was a a lot to get through today, Ross. So I will have a read through the documents. You know, any questions or anything like that, let me know.\n\nDo you want me to give you a call, like, tomorrow afternoon to see how you go, or do you wanna wait till, like, Monday to give you more time to have a think about what you wanna do? Because I'm also mindful of time. Yeah? Okay. Yeah.\n\nPerfect. Alright. I have currently I can give you a call around 03:30. Would that work? Yeah.\n\nAlright. Perfect. You can obviously go back through this email today and have a read through it tonight or tomorrow morning, whenever you have time. And then, yeah, just let me know what you wanna do, and I will get Caden through call Hester and just reconfirm when that lapses just to be safe for you in the meantime. Yep.\n\nAlright. Perfect. Well, thank you so much for your time today, Rod, and I look forward to speaking with you tomorrow. And if anything changes or you have any questions before then, you know, just give me a call. No problem.\n\nWell, enjoy the rest of your day, Rod. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Rob.","start":2.96,"end":3.86,"sentiment":"neutral","sentiment_score":0.05403023585677147},{"text":"That's okay.","start":5.8399997,"end":6.5,"sentiment":"neutral","sentiment_score":0.08114776387810707},{"text":"Yes.","start":8.0,"end":8.4,"sentiment":"neutral","sentiment_score":0.07280594855546951},{"text":"I can hear you.","start":8.4,"end":9.04,"sentiment":"neutral","sentiment_score":0.047749368473887444},{"text":"Can you hear me?","start":9.04,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.016197074204683304}],"sentiment":"neutral","sentiment_score":0.04607290144150074,"num_words":13,"start":2.96,"end":10.0199995},{"sentences":[{"text":"Yep.","start":20.975,"end":21.375,"sentiment":"neutral","sentiment_score":0.024784069508314133},{"text":"I can hear you.","start":21.375,"end":22.095001,"sentiment":"neutral","sentiment_score":0.026318148244172335},{"text":"Can you hear me?","start":22.095001,"end":23.075,"sentiment":"neutral","sentiment_score":0.01155288447625935},{"text":"I don't know.","start":37.815002,"end":38.295002,"sentiment":"neutral","sentiment_score":-0.23151512940724692},{"text":"Sometimes yeah.","start":38.295002,"end":39.095,"sentiment":"neutral","sentiment_score":-0.14451614022254944}],"sentiment":"neutral","sentiment_score":-0.05766496201977134,"num_words":14,"start":20.975,"end":39.095},{"sentences":[{"text":"I don't know.","start":39.095,"end":39.995003,"sentiment":"neutral","sentiment_score":-0.1629253327846527},{"text":"Now, Roy, just because I just called you up, even though I can't hear it's you, just for security, I will need you just to confirm your full name and date of birth and address for me again, please.","start":40.775,"end":50.795002,"sentiment":"neutral","sentiment_score":-0.0061228639708879665},{"text":"Yep.","start":58.37,"end":58.87,"sentiment":"neutral","sentiment_score":0.02107805758714676},{"text":"Perfect.","start":59.73,"end":60.23,"sentiment":"positive","sentiment_score":0.530630350112915},{"text":"Thank you so much.","start":60.37,"end":61.59,"sentiment":"positive","sentiment_score":0.728781670331955}],"sentiment":"neutral","sentiment_score":0.05706807074602693,"num_words":48,"start":39.095,"end":61.59},{"sentences":[{"text":"Now like I said as well, it is just a recommendation to show you to save the premium because the monthly almost half set.","start":62.53,"end":70.045,"sentiment":"neutral","sentiment_score":0.19666358331839243},{"text":"So if you're unsure what you what you want to if you wanna keep it or not, at least halving it will save you a bit of money each month, and then you can always decide.","start":70.745,"end":80.83,"sentiment":"neutral","sentiment_score":0.0522967256191704},{"text":"Like I said, it is a recommendation if you feel like it's not worth any and you don't want it.","start":81.05,"end":85.37,"sentiment":"neutral","sentiment_score":-0.23918432891368865},{"text":"It is ultimately up to you, but, obviously, then be mindful that at the moment, I can't get a replacement.","start":85.37,"end":90.91,"sentiment":"neutral","sentiment_score":-0.15526425130665303},{"text":"So at least it it shows you.","start":91.355,"end":93.775,"sentiment":"neutral","sentiment_score":0.06338719065700259}],"sentiment":"neutral","sentiment_score":-0.007875263064264138,"num_words":107,"start":62.53,"end":93.775},{"sentences":[{"text":"Yeah.","start":94.235,"end":94.735,"sentiment":"neutral","sentiment_score":0.04684291034936905},{"text":"At least as a starting point, then we can always assess at our next annual review how you feel.","start":97.195,"end":101.275,"sentiment":"neutral","sentiment_score":0.11249041527901825},{"text":"But at least in the meantime, it will save you, you know, $200 a month, which is pretty pretty decent.","start":101.275,"end":106.735,"sentiment":"positive","sentiment_score":0.6076777338981628},{"text":"Now the the other good thing, though, I do wanna mention first is if you wanna scroll down through let me see here.","start":109.62,"end":120.44,"sentiment":"neutral","sentiment_score":0.17058665353966795},{"text":"Page 27 for me.","start":124.145,"end":127.604996,"sentiment":"neutral","sentiment_score":0.02921981830149889}],"sentiment":"neutral","sentiment_score":0.2742998176601841,"num_words":67,"start":94.235,"end":127.604996},{"sentences":[{"text":"Can you see where it says rod apply for life and TPD?","start":134.96,"end":141.38,"sentiment":"neutral","sentiment_score":0.021738032189508278},{"text":"Can you see that?","start":143.20001,"end":144.34001,"sentiment":"neutral","sentiment_score":0.011924085207283497},{"text":"Yes.","start":151.13501,"end":151.63501,"sentiment":"neutral","sentiment_score":0.09986623376607896},{"text":"Yeah.","start":151.85501,"end":152.35501,"sentiment":"neutral","sentiment_score":0.15810526907444},{"text":"So the good thing is that I have found one insurer, Wampas, who is willing to offer total permanent disability.","start":152.41501,"end":161.63,"sentiment":"positive","sentiment_score":0.3940352499485016}],"sentiment":"neutral","sentiment_score":0.22229550602404693,"num_words":38,"start":134.96,"end":161.63},{"sentences":[{"text":"So that is if you are totally and permanently disabled, and you can never go back to work again.","start":162.41,"end":167.55,"sentiment":"neutral","sentiment_score":0.31928795027105433},{"text":"So it is a little bit different one.","start":168.09,"end":170.745,"sentiment":"neutral","sentiment_score":-0.005735576385632157},{"text":"At the moment, you don't have a total permanent disability insurance.","start":170.745,"end":174.285,"sentiment":"neutral","sentiment_score":-0.028044140474362808},{"text":"So I have been able to find one for you.","start":175.225,"end":178.125,"sentiment":"neutral","sentiment_score":0.24139499068260192},{"text":"Now that is medically underwritten with OnePath, so it is very comprehensive.","start":178.985,"end":183.405,"sentiment":"positive","sentiment_score":0.37426667163769406}],"sentiment":"neutral","sentiment_score":0.21028751442208887,"num_words":60,"start":162.41,"end":183.405},{"sentences":[{"text":"You would kind of go through a bit of a a medical questionnaire.","start":184.17,"end":187.47,"sentiment":"neutral","sentiment_score":0.21849096107941407},{"text":"You will then be locked in.","start":187.61,"end":189.23,"sentiment":"neutral","sentiment_score":0.1852833852171898},{"text":"And anything that happens after that point, you would then be covered.","start":189.53,"end":193.15,"sentiment":"neutral","sentiment_score":0.22137200459837914},{"text":"So it is a lot more comprehensive and extensive than those default covers that they just set up for you automatically because they don't really know anything about you.","start":193.37,"end":202.835,"sentiment":"neutral","sentiment_score":0.20299881092947106},{"text":"So the good thing is, again, it's just a recommendation to show you, but I have found one path who are willing to do it.","start":203.695,"end":211.715,"sentiment":"positive","sentiment_score":0.34731216669082643}],"sentiment":"neutral","sentiment_score":0.24915666523225166,"num_words":85,"start":184.17,"end":211.715},{"sentences":[{"text":"Now I think when we spoke last time, you mentioned that you were happy with around just 500,000.","start":211.855,"end":218.08,"sentiment":"neutral","sentiment_score":0.28133495648701984},{"text":"That would give you about five years worth of that 100,000.","start":218.38,"end":221.6,"sentiment":"neutral","sentiment_score":0.3327823985706676},{"text":"You know, if something were to happen, that would kind of give you a bit of a buffer.","start":221.82,"end":225.6,"sentiment":"neutral","sentiment_score":0.273378381298648},{"text":"So that is about 500,000.","start":226.005,"end":228.265,"sentiment":"neutral","sentiment_score":0.2231520175933838},{"text":"Now this is paid from within the super.","start":229.205,"end":231.525,"sentiment":"neutral","sentiment_score":0.18666870146989822}],"sentiment":"neutral","sentiment_score":0.2709092694024245,"num_words":60,"start":211.855,"end":231.525},{"sentences":[{"text":"So this is not from your back pocket, just from your super.","start":231.525,"end":235.465,"sentiment":"neutral","sentiment_score":0.2163397061328093},{"text":"Now I know you mentioned as well that life insurance you weren't that concerned about because, obviously, not much debt.","start":236.005,"end":243.53,"sentiment":"neutral","sentiment_score":0.11369193568825722},{"text":"But, actually, the way that the insurances can be structured is that it is actually cheaper for you to add the life policy through the total permanent disability, basically having them linked so that, let's say, if one whichever event happens first is what you would then be paid paid on.","start":244.31001,"end":266.065,"sentiment":"neutral","sentiment_score":0.2830268292158258},{"text":"So if you were to pass away, it will then be, you know, that 500,000.","start":266.36502,"end":270.385,"sentiment":"neutral","sentiment_score":0.050945967560013135},{"text":"If you were to, you know, be unable to go back to work because of an illness or an accident, like, if you cannot go back to work, then you will get paid the 500,000.","start":270.79,"end":281.13,"sentiment":"neutral","sentiment_score":-0.041088621584432466}],"sentiment":"neutral","sentiment_score":0.14007797921286488,"num_words":133,"start":231.525,"end":281.13},{"sentences":[{"text":"It would cancel the life, But then after twelve years of life, it's reinstated.","start":281.59,"end":285.485,"sentiment":"neutral","sentiment_score":-0.0048405828752688},{"text":"So there's an additional 500 for your loved ones if something were to happen, and that is only for the purpose of making your policy cheaper.","start":285.625,"end":294.685,"sentiment":"neutral","sentiment_score":0.2984711155295372},{"text":"Because I know you said you don't really care about it, but it makes your TPD policy cheaper.","start":294.985,"end":299.89,"sentiment":"neutral","sentiment_score":0.2170478958222601},{"text":"So if you get an additional 500 worth of life and it makes the other policy cheaper, then, you know, that's only a bonus.","start":299.89,"end":306.95,"sentiment":"positive","sentiment_score":0.38752445702751476},{"text":"Does that make sense?","start":307.33,"end":308.47,"sentiment":"neutral","sentiment_score":0.08484662882983685}],"sentiment":"neutral","sentiment_score":0.24696879595691382,"num_words":86,"start":281.59,"end":308.47},{"sentences":[{"text":"Yep.","start":309.01,"end":309.51,"sentiment":"neutral","sentiment_score":0.1959303319454193},{"text":"Yeah.","start":311.41,"end":311.91,"sentiment":"neutral","sentiment_score":0.23224033415317535},{"text":"Now this is paid from within Netwealth for you.","start":311.97,"end":316.515,"sentiment":"neutral","sentiment_score":0.14966653121842277},{"text":"The total premium is 4,318 from super for both of them.","start":317.215,"end":325.22998,"sentiment":"neutral","sentiment_score":0.13711537556214767},{"text":"Again, it's just to show you.","start":325.22998,"end":326.84998,"sentiment":"neutral","sentiment_score":0.12050240611036618}],"sentiment":"neutral","sentiment_score":0.14308760767536505,"num_words":28,"start":309.01,"end":326.84998},{"sentences":[{"text":"It's up to you if you want it or not at the end of the day.","start":327.15,"end":331.33,"sentiment":"neutral","sentiment_score":0.09229158866219223},{"text":"So that would give you that total permanent disability cover.","start":331.63,"end":334.77,"sentiment":"neutral","sentiment_score":0.1193265002220869},{"text":"Now on by replacing the cover, we can then go ahead and cancel your AIA life policy.","start":337.325,"end":346.465,"sentiment":"neutral","sentiment_score":-0.10997664687388084},{"text":"So that one is one that's paid from the ask card for you.","start":346.685,"end":350.305,"sentiment":"neutral","sentiment_score":0.0101945294210544},{"text":"It is more cover at 816, but just that life alone, it is costing 4,360.","start":350.69,"end":358.94998,"sentiment":"neutral","sentiment_score":0.0089371291299661}],"sentiment":"neutral","sentiment_score":0.015026947089903792,"num_words":71,"start":327.15,"end":358.94998},{"sentences":[{"text":"So that is basically saving so it's basically more expensive for just your life policy than the one that we are replacing with.","start":359.25,"end":368.555,"sentiment":"neutral","sentiment_score":0.09415827853524167},{"text":"Obviously, you will have a little bit less, but you will then also have the total permanent disability cover as well, and it's making it a little bit cheaper.","start":368.85498,"end":376.715,"sentiment":"neutral","sentiment_score":0.32798497558667744},{"text":"Yep.","start":378.43,"end":378.93,"sentiment":"neutral","sentiment_score":-0.0020498037338256836},{"text":"Now I have recommended that we cancel your HESTA insurances because the income protection is so minimal.","start":379.87,"end":389.65,"sentiment":"neutral","sentiment_score":-0.24274316999842138},{"text":"But it is up to you.","start":390.20502,"end":391.24503,"sentiment":"neutral","sentiment_score":-0.052941434706250824}],"sentiment":"neutral","sentiment_score":0.09514305784710143,"num_words":76,"start":359.25,"end":391.24503},{"sentences":[{"text":"If you really want to keep it, we can.","start":391.24503,"end":393.98502,"sentiment":"neutral","sentiment_score":0.0497853085398674},{"text":"What it would mean, though, is that we would keep about maybe 10,000 or so in HESTA, and we would have your contributions going there instead.","start":394.36502,"end":404.065,"sentiment":"neutral","sentiment_score":-0.0445493939690865},{"text":"So if if if you feel like you want that, we can change it.","start":404.63,"end":409.29,"sentiment":"neutral","sentiment_score":-0.07922367991081306},{"text":"But giving at the moment, that is only about $1,000 per month, you still have to wait that ninety days.","start":409.91,"end":417.93,"sentiment":"neutral","sentiment_score":-0.2587033502757549},{"text":"Waiting period, it it doesn't give you much.","start":419.125,"end":421.785,"sentiment":"negative","sentiment_score":-0.3366789482533932}],"sentiment":"neutral","sentiment_score":-0.12580320229390998,"num_words":77,"start":391.24503,"end":421.785},{"sentences":[{"text":"Yeah.","start":434.66,"end":435.16,"sentiment":"neutral","sentiment_score":0.06876683980226517},{"text":"Yep.","start":436.82,"end":437.32,"sentiment":"neutral","sentiment_score":0.07949793338775635},{"text":"Yep.","start":439.46002,"end":439.96002,"sentiment":"neutral","sentiment_score":0.04156943783164024},{"text":"Yep.","start":444.035,"end":444.535,"sentiment":"neutral","sentiment_score":0.0455796979367733},{"text":"Yep.","start":447.395,"end":447.895,"sentiment":"neutral","sentiment_score":-0.04042200744152069}],"sentiment":"neutral","sentiment_score":0.038998380303382874,"num_words":5,"start":434.66,"end":447.895},{"sentences":[{"text":"Yeah.","start":449.235,"end":449.735,"sentiment":"neutral","sentiment_score":-0.067885622382164},{"text":"Yeah.","start":450.755,"end":451.255,"sentiment":"neutral","sentiment_score":-0.00790896825492382},{"text":"Yeah.","start":451.395,"end":451.895,"sentiment":"neutral","sentiment_score":-0.014030510559678078},{"text":"So that is the the the downside.","start":452.195,"end":454.85498,"sentiment":"neutral","sentiment_score":-0.08146092987486295},{"text":"Do you feel like you want to keep that HESTA even though it's only about $1,000 a month?","start":457.59003,"end":463.05002,"sentiment":"neutral","sentiment_score":-0.1444450223611461}],"sentiment":"neutral","sentiment_score":-0.11643078617219414,"num_words":28,"start":449.235,"end":463.05002},{"sentences":[{"text":"Do you feel like you would prefer to do that?","start":464.23,"end":466.65002,"sentiment":"neutral","sentiment_score":-0.09179325103759765},{"text":"Yep.","start":474.165,"end":474.645,"sentiment":"neutral","sentiment_score":-0.06275470554828644},{"text":"Yeah.","start":474.645,"end":475.125,"sentiment":"neutral","sentiment_score":0.05828510969877243},{"text":"And and and that's good.","start":475.125,"end":476.405,"sentiment":"neutral","sentiment_score":0.18264808654785156},{"text":"Just let me know.","start":476.405,"end":477.205,"sentiment":"neutral","sentiment_score":0.12963486090302467}],"sentiment":"neutral","sentiment_score":0.0242560842917079,"num_words":21,"start":464.23,"end":477.205},{"sentences":[{"text":"Because if you say, do you know what?","start":477.205,"end":479.065,"sentiment":"neutral","sentiment_score":0.0017978344112634663},{"text":"I want to do that.","start":479.845,"end":481.125,"sentiment":"neutral","sentiment_score":0.0031821466982364655},{"text":"That's okay.","start":481.125,"end":481.925,"sentiment":"neutral","sentiment_score":0.11389324069023132},{"text":"We can change it, and we can do that.","start":481.925,"end":484.38,"sentiment":"neutral","sentiment_score":0.17053764975733227},{"text":"It would just mean that you would have HESTA open as well as Netwealth.","start":484.38,"end":487.76,"sentiment":"neutral","sentiment_score":0.15562157652207784}],"sentiment":"neutral","sentiment_score":0.1045163370864956,"num_words":38,"start":477.205,"end":487.76},{"sentences":[{"text":"And, obviously, the contribution Yeah.","start":488.22,"end":492.24002,"sentiment":"neutral","sentiment_score":0.03582951314747333},{"text":"Yeah.","start":495.18002,"end":495.68002,"sentiment":"neutral","sentiment_score":0.023423174396157265},{"text":"Yep.","start":497.135,"end":497.635,"sentiment":"neutral","sentiment_score":0.03665460646152496},{"text":"Yep.","start":498.015,"end":498.515,"sentiment":"neutral","sentiment_score":0.03453616052865982},{"text":"Yep.","start":500.33502,"end":500.83502,"sentiment":"neutral","sentiment_score":0.026447776705026627}],"sentiment":"neutral","sentiment_score":0.0333565870920817,"num_words":9,"start":488.22,"end":500.83502},{"sentences":[{"text":"Yep.","start":506.575,"end":507.075,"sentiment":"neutral","sentiment_score":0.009407589212059976},{"text":"Yep.","start":508.35,"end":508.85,"sentiment":"neutral","sentiment_score":0.13335254788398743},{"text":"Yep.","start":509.31,"end":509.81,"sentiment":"neutral","sentiment_score":0.13437017798423767},{"text":"Yep.","start":511.55,"end":512.05,"sentiment":"neutral","sentiment_score":0.1208311915397644},{"text":"Yep.","start":512.35,"end":512.85,"sentiment":"neutral","sentiment_score":0.10788081586360931}],"sentiment":"neutral","sentiment_score":0.10116846449673175,"num_words":5,"start":506.575,"end":512.85},{"sentences":[{"text":"Yep.","start":518.67,"end":518.83,"sentiment":"neutral","sentiment_score":0.023818667978048325},{"text":"Yeah.","start":518.83,"end":519.33,"sentiment":"neutral","sentiment_score":0.04206323251128197},{"text":"Yeah.","start":523.16504,"end":523.66504,"sentiment":"neutral","sentiment_score":0.046165600419044495},{"text":"Yeah.","start":523.885,"end":524.385,"sentiment":"neutral","sentiment_score":0.04446368291974068},{"text":"So it is something true.","start":525.885,"end":527.005,"sentiment":"neutral","sentiment_score":0.04935459941625595}],"sentiment":"neutral","sentiment_score":0.044809353434377246,"num_words":9,"start":518.67,"end":527.005},{"sentences":[{"text":"Because, obviously, you still have to wait the ninety days for it.","start":527.005,"end":531.885,"sentiment":"neutral","sentiment_score":-0.11889976635575294},{"text":"And in Exactly.","start":531.885,"end":537.48,"sentiment":"neutral","sentiment_score":-0.021139835317929585},{"text":"So it's something for you to think about.","start":537.54,"end":539.39996,"sentiment":"neutral","sentiment_score":0.07505368813872337},{"text":"Now, obviously, the other thing is, like, if you are contributing $200 per week into super at the moment, that's $800 a month.","start":539.86,"end":549.735,"sentiment":"neutral","sentiment_score":0.004577966487925985},{"text":"So, you know, ultimately, it's up to you.","start":551.795,"end":555.33496,"sentiment":"neutral","sentiment_score":0.019436345202848315}],"sentiment":"neutral","sentiment_score":-0.01164820752348061,"num_words":54,"start":527.005,"end":555.33496},{"sentences":[{"text":"It's for the cost of it.","start":555.475,"end":557.76,"sentiment":"neutral","sentiment_score":0.0053972355866183834},{"text":"No.","start":561.84,"end":562.34,"sentiment":"neutral","sentiment_score":-0.062289759516716},{"text":"Per it's costing you 5 154 a year.","start":563.52,"end":568.26,"sentiment":"neutral","sentiment_score":-0.019462554482743144},{"text":"So per month, it's costing you $45 a month to have that.","start":568.72003,"end":575.625,"sentiment":"neutral","sentiment_score":0.0018583207856863737},{"text":"So have a think about it, and then you can let me know what you prefer, and I can always get it updated if you tell me, do you know what?","start":577.205,"end":586.17,"sentiment":"neutral","sentiment_score":0.17307656210276387}],"sentiment":"neutral","sentiment_score":0.08969080159922355,"num_words":58,"start":555.475,"end":586.17},{"sentences":[{"text":"I really want that as well.","start":586.25,"end":587.61,"sentiment":"positive","sentiment_score":0.40055695672829944},{"text":"Even though it's only a thousand dollars I want it, that's okay.","start":587.61,"end":591.13,"sentiment":"neutral","sentiment_score":0.01015840074978769},{"text":"It is ultimately up to you.","start":591.13,"end":592.91,"sentiment":"neutral","sentiment_score":0.13832426319519678},{"text":"I would say I might even schedule in a little catch up even maybe Monday, especially if you say that the HESTA insurances are due to lapse soon.","start":593.61,"end":607.41504,"sentiment":"neutral","sentiment_score":0.08747793295021568},{"text":"I might even give HESTA a call later today just to check when it actually will lapse because we don't want that lapsing if you're unsure what you wanna do.","start":607.41504,"end":615.84,"sentiment":"neutral","sentiment_score":-0.06779808153708776}],"sentiment":"neutral","sentiment_score":0.045983265915022394,"num_words":82,"start":586.25,"end":615.84},{"sentences":[{"text":"Yeah.","start":618.62,"end":618.94,"sentiment":"neutral","sentiment_score":0.04808426648378372},{"text":"Sure.","start":618.94,"end":619.44,"sentiment":"neutral","sentiment_score":-0.0022431439720094204},{"text":"Yeah.","start":623.74,"end":624.24,"sentiment":"neutral","sentiment_score":-0.02432722225785255},{"text":"Well, I'm almost at the I'm almost at the end there for you, Rod.","start":630.595,"end":633.715,"sentiment":"neutral","sentiment_score":0.015183239044355494},{"text":"So I will just do the last bit, then I will let you go, and then you can take that call.","start":633.715,"end":640.05,"sentiment":"neutral","sentiment_score":0.1536401513786543}],"sentiment":"neutral","sentiment_score":0.09106637962701682,"num_words":38,"start":618.62,"end":640.05},{"sentences":[{"text":"Now, essentially, I'll let you have a read over the other kind of couple of pages, but it outlines that insurance policy in a bit more detail, why I have recommended it for you, why I have suggested we cancel the other ones.","start":640.29,"end":652.29,"sentiment":"neutral","sentiment_score":0.06566268136334974},{"text":"I'll let you have a read over all of that, you know, in your own time.","start":652.29,"end":656.245,"sentiment":"neutral","sentiment_score":0.26416665595024824},{"text":"And then the last thing I do wanna mention is just the remuneration.","start":657.105,"end":660.885,"sentiment":"neutral","sentiment_score":0.12693508026691583},{"text":"So like I mentioned, if you, you know, want to go ahead with these changes, there is no upfront due for anuation fee at all.","start":661.825,"end":671.26,"sentiment":"neutral","sentiment_score":0.16917999625205993},{"text":"It is just part of that ongoing service agreement.","start":671.26,"end":674.24005,"sentiment":"neutral","sentiment_score":0.22383743441767162}],"sentiment":"neutral","sentiment_score":0.14098447786187226,"num_words":106,"start":640.29,"end":674.24005},{"sentences":[{"text":"So that would be, obviously, if you are happy to stay on as a client, it will then be another service agreement for the next twelve months.","start":674.78,"end":683.045,"sentiment":"neutral","sentiment_score":0.18496208003273718},{"text":"But, you know, if you are at any point in time not happy with the services, you can cancel whenever you want to.","start":683.34503,"end":688.885,"sentiment":"neutral","sentiment_score":-0.20533964977316235},{"text":"So that then allows us to manage your super and your insurances and do all of this for you.","start":688.945,"end":693.84503,"sentiment":"neutral","sentiment_score":0.23703880372800326},{"text":"It is from your superannuation.","start":694.145,"end":696.005,"sentiment":"neutral","sentiment_score":0.18719182014465333},{"text":"No changes.","start":696.705,"end":697.605,"sentiment":"neutral","sentiment_score":0.011782694607973099}],"sentiment":"neutral","sentiment_score":0.07545297337990058,"num_words":76,"start":674.78,"end":697.605},{"sentences":[{"text":"Just that ongoing fee of 1.65, okay, from super.","start":698.12,"end":702.77997,"sentiment":"neutral","sentiment_score":0.06598380332191785},{"text":"Now the other thing is just the one path insurances.","start":704.12,"end":707.33997,"sentiment":"neutral","sentiment_score":0.04856141246855259},{"text":"So we do get commissions for insurance policy.","start":707.56,"end":711.1,"sentiment":"neutral","sentiment_score":0.08958794362843037},{"text":"So when we set them up, it's 66% of the premium upfront.","start":711.875,"end":716.775,"sentiment":"neutral","sentiment_score":0.06336237986882527},{"text":"It is 23% ongoing.","start":717.315,"end":719.815,"sentiment":"neutral","sentiment_score":0.038747421465814114}],"sentiment":"neutral","sentiment_score":0.06305837553254394,"num_words":43,"start":698.12,"end":719.815},{"sentences":[{"text":"However, that is the insurance paying us.","start":720.59503,"end":723.155,"sentiment":"neutral","sentiment_score":-0.15970584005117416},{"text":"It is not you paying us.","start":723.155,"end":724.515,"sentiment":"neutral","sentiment_score":-0.2152885521451632},{"text":"It is them paying us.","start":724.515,"end":725.76,"sentiment":"neutral","sentiment_score":-0.1453925848007202},{"text":"But for compliance and to make sure that you're fully aware of it, we do have to let you know that it is them paying us.","start":726.64,"end":733.60004,"sentiment":"neutral","sentiment_score":0.025267862643186863},{"text":"Okay?","start":733.60004,"end":734.10004,"sentiment":"neutral","sentiment_score":0.010789183899760246}],"sentiment":"neutral","sentiment_score":-0.0548640334357818,"num_words":45,"start":720.59503,"end":734.10004},{"sentences":[{"text":"Yep.","start":735.60004,"end":736.10004,"sentiment":"neutral","sentiment_score":0.1203172653913498},{"text":"Now the the next couple of things is then just talking about how we would go about doing the changes.","start":737.04004,"end":743.64496,"sentiment":"neutral","sentiment_score":0.11349957622587681},{"text":"We would obviously help you through the process, but it will be to start consolidating your.","start":744.185,"end":749.88495,"sentiment":"neutral","sentiment_score":0.25392007268965244},{"text":"We wanna get that new insurance policy enforced for you, also submit the reduction.","start":750.26495,"end":756.41003,"sentiment":"neutral","sentiment_score":0.25019396522215437},{"text":"We would submit that to Afscard through reduce your sorry, the Astrone to reduce your income protection if you're happy with that, and then get everything consolidated and send you those contributions form to keep, you know, contributing to super to grow that.","start":756.47003,"end":773.065,"sentiment":"positive","sentiment_score":0.3641750999661379}],"sentiment":"neutral","sentiment_score":0.27250292302763207,"num_words":94,"start":735.60004,"end":773.065},{"sentences":[{"text":"So we would kind of, you know, help you through the process so you wouldn't have to worry about what comes next.","start":773.065,"end":777.64496,"sentiment":"positive","sentiment_score":0.47444301030852576},{"text":"So that is all outlined there for you.","start":777.70496,"end":780.425,"sentiment":"positive","sentiment_score":0.36478305235505104},{"text":"Now I know that was a a lot to get through today, Ross.","start":780.425,"end":783.66,"sentiment":"neutral","sentiment_score":0.0056935376845873315},{"text":"So I will have a read through the documents.","start":784.22,"end":786.37994,"sentiment":"neutral","sentiment_score":0.09029110686646567},{"text":"You know, any questions or anything like that, let me know.","start":786.37994,"end":789.51996,"sentiment":"neutral","sentiment_score":0.10491927713155746}],"sentiment":"neutral","sentiment_score":0.24439299437734816,"num_words":63,"start":773.065,"end":789.51996},{"sentences":[{"text":"Do you want me to give you a call, like, tomorrow afternoon to see how you go, or do you wanna wait till, like, Monday to give you more time to have a think about what you wanna do?","start":790.86,"end":802.265,"sentiment":"neutral","sentiment_score":0.09122469954383679},{"text":"Because I'm also mindful of time.","start":802.265,"end":804.045,"sentiment":"neutral","sentiment_score":-0.049879277125000954},{"text":"Yeah?","start":810.025,"end":810.505,"sentiment":"neutral","sentiment_score":0.057267848402261734},{"text":"Okay.","start":810.505,"end":811.005,"sentiment":"neutral","sentiment_score":0.04899163916707039},{"text":"Yeah.","start":816.06995,"end":816.56995,"sentiment":"neutral","sentiment_score":0.18397372961044312}],"sentiment":"neutral","sentiment_score":0.07393168409665425,"num_words":48,"start":790.86,"end":816.56995},{"sentences":[{"text":"Perfect.","start":816.70996,"end":817.20996,"sentiment":"positive","sentiment_score":0.38476037979125977},{"text":"Alright.","start":817.26996,"end":817.75,"sentiment":"neutral","sentiment_score":0.20339712500572205},{"text":"I have currently I can give you a call around 03:30.","start":817.75,"end":822.25,"sentiment":"neutral","sentiment_score":0.10790643976493315},{"text":"Would that work?","start":822.47,"end":823.37,"sentiment":"neutral","sentiment_score":0.13711450000603995},{"text":"Yeah.","start":824.605,"end":825.005,"sentiment":"neutral","sentiment_score":0.222312793135643}],"sentiment":"neutral","sentiment_score":0.14169321384500055,"num_words":17,"start":816.70996,"end":825.005},{"sentences":[{"text":"Alright.","start":825.005,"end":825.505,"sentiment":"positive","sentiment_score":0.362981379032135},{"text":"Perfect.","start":825.565,"end":826.065,"sentiment":"positive","sentiment_score":0.555051326751709},{"text":"You can obviously go back through this email today and have a read through it tonight or tomorrow morning, whenever you have time.","start":826.925,"end":833.82495,"sentiment":"neutral","sentiment_score":0.3158227904983189},{"text":"And then, yeah, just let me know what you wanna do, and I will get Caden through call Hester and just reconfirm when that lapses just to be safe for you in the meantime.","start":834.285,"end":843.41,"sentiment":"neutral","sentiment_score":0.1809714090298204},{"text":"Yep.","start":844.35,"end":844.83,"sentiment":"neutral","sentiment_score":0.1100706160068512}],"sentiment":"neutral","sentiment_score":0.24075092350443203,"num_words":60,"start":825.005,"end":844.83},{"sentences":[{"text":"Alright.","start":844.83,"end":845.23,"sentiment":"neutral","sentiment_score":0.21110451221466064},{"text":"Perfect.","start":845.23,"end":845.73,"sentiment":"positive","sentiment_score":0.4923811554908752},{"text":"Well, thank you so much for your time today, Rod, and I look forward to speaking with you tomorrow.","start":845.95,"end":849.95,"sentiment":"positive","sentiment_score":0.8536390411226373},{"text":"And if anything changes or you have any questions before then, you know, just give me a call.","start":849.95,"end":854.675,"sentiment":"neutral","sentiment_score":0.23494900431897905},{"text":"No 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Hang on. Where are we? You there? IPhone speaker t's Hello? Good. Oh, wait. This thing's taking a bit of getting on here. Well, for some reason, when I accidentally hung up on you, I ended up with some country music coming through. I don't I haven't had country music on the same side either. So I don't even know anything else about that. Anyway yep. Yep. That's alright. Run loosely clean at seventy to the third nineteen sixty nine. 55 Forbes Road, Longway, 4 503. Yep. Yep. Yeah. Well, we might as well go with that one you with the one the reduced one anyway. Yep. Yeah. Yep. Seven twenty six twenty seven. What is it? Oh, yeah. Yeah. Yeah. Right. Alright. Yep. Mhmm. Uh-huh. Yeah. Thanks, sir. Yep. Yep. Yep. Mhmm. Yep. Well, other than that, I have nothing other than what I can make out of, you know, because I've been thinking about it, like, for what I make a day. If I put two staff in my spot, it's and one of them has to take my spot. The the big extra I make out of it it's not much not much of a way out of it. I don't know. I have to have a think of data for a day. Yeah. Yeah. Yeah. Yeah. Because on top of my on top of my wages, I I I allow two two two wages daily plus my horse levy. So then my horse levy has to pay fuel insurances, registration, feed my horses, and feed me all out of the all out of whatever the horse levy is. And, yeah, there wouldn't be there's not a lot out of it by the time because I got three horse three horse trailers and two vehicles. That's only three that's only three months out of two years. So yeah. I know. Is that how much it is costing me? It's 200 a month. Oh, wait. What is it cost what okay. Alright. Yep. Alright. Yep. Yep. Yep. Okay. Can you just hang on a second? I don't know how to oh, it doesn't matter if she's gone. It's alright. I was I was just been waiting on a call when it come in, but my phone switches over so bloody quick. Yep. Mhmm. Yep. Yeah. Probably. Yeah. Try me tomorrow afternoon. And then if I haven't got to finish going through it all, I'll we'll be able to go for Monday. Yeah. You got it, guys. Yep. Yep. Yep. Four lessons. Stop. Okay. Thank you. You too. 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Hang on. Where are we? You there? IPhone speaker t's Hello?\n\nGood. Oh, wait. This thing's taking a bit of getting on here. Well, for some reason, when I accidentally hung up on you, I ended up with some country music coming through. I don't I haven't had country music on the same side either.\n\nSo I don't even know anything else about that. Anyway yep. Yep. That's alright. Run loosely clean at seventy to the third nineteen sixty nine.\n\n55 Forbes Road, Longway, 4 503. Yep. Yep. Yeah. Well, we might as well go with that one you with the one the reduced one anyway.\n\nYep. Yeah. Yep. Seven twenty six twenty seven. What is it?\n\nOh, yeah. Yeah. Yeah. Right. Alright.\n\nYep. Mhmm. Uh-huh. Yeah. Thanks, sir.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nWell, other than that, I have nothing other than what I can make out of, you know, because I've been thinking about it, like, for what I make a day. If I put two staff in my spot, it's and one of them has to take my spot. The the big extra I make out of it it's not much not much of a way out of it. I don't know. I have to have a think of data for a day.\n\nYeah. Yeah. Yeah. Yeah. Because on top of my on top of my wages, I I I allow two two two wages daily plus my horse levy.\n\nSo then my horse levy has to pay fuel insurances, registration, feed my horses, and feed me all out of the all out of whatever the horse levy is. And, yeah, there wouldn't be there's not a lot out of it by the time because I got three horse three horse trailers and two vehicles. That's only three that's only three months out of two years. So yeah. I know.\n\nIs that how much it is costing me? It's 200 a month. Oh, wait. What is it cost what okay. Alright.\n\nYep. Alright. Yep. Yep. Yep.\n\nOkay. Can you just hang on a second? I don't know how to oh, it doesn't matter if she's gone. It's alright. I was I was just been waiting on a call when it come in, but my phone switches over so bloody quick.\n\nYep. Mhmm. Yep. Yeah. Probably.\n\nYeah. Try me tomorrow afternoon. And then if I haven't got to finish going through it all, I'll we'll be able to go for Monday. Yeah. You got it, guys.\n\nYep. Yep. Yep. Four lessons. Stop.\n\nOkay. Thank you. You too. 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alright.","start":51.324997,"end":51.885,"sentiment":"neutral","sentiment_score":0.09725619107484818},{"text":"Run loosely clean at seventy to the third nineteen sixty nine.","start":51.885,"end":55.345,"sentiment":"neutral","sentiment_score":0.07319350811568173}],"sentiment":"neutral","sentiment_score":-0.059140535295009615,"num_words":25,"start":35.059998,"end":55.345},{"sentences":[{"text":"55 Forbes Road, Longway, 4 503.","start":55.86,"end":59.399998,"sentiment":"neutral","sentiment_score":0.01914110438277324},{"text":"Yep.","start":70.659996,"end":71.159996,"sentiment":"neutral","sentiment_score":0.09169548749923706},{"text":"Yep.","start":80.135,"end":80.635,"sentiment":"neutral","sentiment_score":0.017000069841742516},{"text":"Yeah.","start":91.66,"end":91.98,"sentiment":"neutral","sentiment_score":-0.01168430596590042},{"text":"Well, we might as well go with that one you with the one the reduced one 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yeah.","start":150.03,"end":150.59,"sentiment":"neutral","sentiment_score":0.038268428295850754},{"text":"Yeah.","start":150.59,"end":150.98999,"sentiment":"neutral","sentiment_score":0.046044062823057175},{"text":"Yeah.","start":150.98999,"end":151.48999,"sentiment":"neutral","sentiment_score":0.06055813282728195},{"text":"Right.","start":168.245,"end":168.745,"sentiment":"neutral","sentiment_score":0.06562474370002747},{"text":"Alright.","start":203.65001,"end":204.15001,"sentiment":"neutral","sentiment_score":0.23175927996635437}],"sentiment":"neutral","sentiment_score":0.08008717931807041,"num_words":6,"start":150.03,"end":204.15001},{"sentences":[{"text":"Yep.","start":234.87999,"end":235.37999,"sentiment":"neutral","sentiment_score":0.1941213458776474},{"text":"Mhmm.","start":242.295,"end":242.795,"sentiment":"neutral","sentiment_score":0.03413711115717888},{"text":"Uh-huh.","start":307.26498,"end":307.76498,"sentiment":"neutral","sentiment_score":0.07187017053365707},{"text":"Yeah.","start":309.83002,"end":310.23,"sentiment":"neutral","sentiment_score":0.2936452329158783},{"text":"Thanks, sir.","start":310.23,"end":311.05002,"sentiment":"positive","sentiment_score":0.47576889395713806}],"sentiment":"neutral","sentiment_score":0.25755194139977294,"num_words":6,"start":234.87999,"end":311.05002},{"sentences":[{"text":"Yep.","start":332.26498,"end":332.76498,"sentiment":"neutral","sentiment_score":0.1437980979681015},{"text":"Yep.","start":336.025,"end":336.525,"sentiment":"neutral","sentiment_score":0.0049408115446567535},{"text":"Yep.","start":351.08002,"end":351.58002,"sentiment":"neutral","sentiment_score":0.04984655603766441},{"text":"Mhmm.","start":377.27,"end":377.67,"sentiment":"neutral","sentiment_score":-0.02705506607890129},{"text":"Yep.","start":377.67,"end":378.17,"sentiment":"neutral","sentiment_score":0.003836595918983221}],"sentiment":"neutral","sentiment_score":0.03507339907810092,"num_words":5,"start":332.26498,"end":378.17},{"sentences":[{"text":"Well, other than that, I have nothing other than what I can make out of, you know, because I've been thinking about it, like, for what I make a day.","start":425.62,"end":436.38498,"sentiment":"neutral","sentiment_score":0.012282802164554596},{"text":"If I put two staff in my spot, it's and one of them has to take my spot.","start":437.32498,"end":443.585,"sentiment":"neutral","sentiment_score":0.042905637787448034},{"text":"The the big extra I make out of it it's not much not much of a way out of it.","start":444.44498,"end":450.41998,"sentiment":"neutral","sentiment_score":-0.05067241261713207},{"text":"I don't know.","start":471.965,"end":472.52502,"sentiment":"neutral","sentiment_score":-0.16185039281845093},{"text":"I have to have a think of data for a day.","start":472.52502,"end":474.715,"sentiment":"neutral","sentiment_score":-0.11422756246545097}],"sentiment":"neutral","sentiment_score":-0.01969167161960064,"num_words":82,"start":425.62,"end":474.715},{"sentences":[{"text":"Yeah.","start":478.19,"end":478.69,"sentiment":"neutral","sentiment_score":0.010129543021321297},{"text":"Yeah.","start":482.5,"end":482.75,"sentiment":"neutral","sentiment_score":0.08758670091629028},{"text":"Yeah.","start":482.75,"end":483.25,"sentiment":"neutral","sentiment_score":0.12234199047088624},{"text":"Yeah.","start":488.91,"end":489.165,"sentiment":"neutral","sentiment_score":0.05732135474681854},{"text":"Because on top of my on top of my wages, I I I allow two two two wages daily plus my horse levy.","start":489.885,"end":499.825,"sentiment":"neutral","sentiment_score":0.009480035620863024}],"sentiment":"neutral","sentiment_score":0.018348904016117256,"num_words":27,"start":478.19,"end":499.825},{"sentences":[{"text":"So then my horse levy has to pay fuel insurances, registration, feed my horses, and feed me all out of the all out of whatever the horse levy is.","start":500.685,"end":515.10004,"sentiment":"neutral","sentiment_score":0.07969723295035033},{"text":"And, yeah, there wouldn't be there's not a lot out of it by the time because I got three horse three horse trailers and two vehicles.","start":515.10004,"end":522.70496,"sentiment":"neutral","sentiment_score":0.007102110691798421},{"text":"That's only three that's only three months out of two years.","start":532.31,"end":535.21,"sentiment":"neutral","sentiment_score":-0.10267141596837477},{"text":"So yeah.","start":535.27,"end":535.99,"sentiment":"neutral","sentiment_score":-0.025960521772503853},{"text":"I know.","start":535.99,"end":536.65,"sentiment":"neutral","sentiment_score":-0.01157153584063053}],"sentiment":"neutral","sentiment_score":0.018448927752407532,"num_words":70,"start":500.685,"end":536.65},{"sentences":[{"text":"Is that how much it is costing me?","start":556.93,"end":558.77,"sentiment":"neutral","sentiment_score":-0.006493672728538513},{"text":"It's 200 a month.","start":558.77,"end":560.15,"sentiment":"neutral","sentiment_score":-0.017056755255907774},{"text":"Oh, wait.","start":562.05005,"end":562.87,"sentiment":"neutral","sentiment_score":-0.043927354738116264},{"text":"What is it cost what okay.","start":563.73004,"end":566.71,"sentiment":"neutral","sentiment_score":-0.03188039641827345},{"text":"Alright.","start":569.535,"end":570.035,"sentiment":"neutral","sentiment_score":0.015043720602989197}],"sentiment":"neutral","sentiment_score":-0.018298560487372533,"num_words":21,"start":556.93,"end":570.035},{"sentences":[{"text":"Yep.","start":573.055,"end":573.555,"sentiment":"neutral","sentiment_score":0.02755169197916985},{"text":"Alright.","start":577.615,"end":578.115,"sentiment":"neutral","sentiment_score":0.15883325040340424},{"text":"Yep.","start":580.975,"end":581.475,"sentiment":"neutral","sentiment_score":0.1861821711063385},{"text":"Yep.","start":593.97,"end":594.47,"sentiment":"neutral","sentiment_score":0.14376184344291687},{"text":"Yep.","start":612.345,"end":612.81,"sentiment":"neutral","sentiment_score":-0.1357954442501068}],"sentiment":"neutral","sentiment_score":0.07610670253634452,"num_words":5,"start":573.055,"end":612.81},{"sentences":[{"text":"Okay.","start":616.25,"end":616.73,"sentiment":"neutral","sentiment_score":0.021002069115638733},{"text":"Can you just hang on a second?","start":616.73,"end":618.35,"sentiment":"neutral","sentiment_score":-0.021655877253838947},{"text":"I don't know how to oh, it doesn't matter if she's gone.","start":619.69,"end":622.57,"sentiment":"neutral","sentiment_score":-0.18857344115773836},{"text":"It's alright.","start":622.57,"end":623.31,"sentiment":"neutral","sentiment_score":-0.04230010509490967},{"text":"I was I was just been waiting on a call when it come in, but my phone switches over so bloody quick.","start":624.25,"end":629.96497,"sentiment":"neutral","sentiment_score":-0.17029082470319487}],"sentiment":"neutral","sentiment_score":-0.1414651981639591,"num_words":44,"start":616.25,"end":629.96497},{"sentences":[{"text":"Yep.","start":637.305,"end":637.805,"sentiment":"neutral","sentiment_score":0.13821673393249512},{"text":"Mhmm.","start":702.65,"end":703.15,"sentiment":"neutral","sentiment_score":0.021107718348503113},{"text":"Yep.","start":734.63,"end":735.13,"sentiment":"neutral","sentiment_score":0.12925246357917786},{"text":"Yeah.","start":805.375,"end":805.775,"sentiment":"neutral","sentiment_score":0.04585086926817894},{"text":"Probably.","start":805.775,"end":806.275,"sentiment":"neutral","sentiment_score":0.03601496294140816}],"sentiment":"neutral","sentiment_score":0.07408854961395264,"num_words":5,"start":637.305,"end":806.275},{"sentences":[{"text":"Yeah.","start":807.375,"end":807.875,"sentiment":"neutral","sentiment_score":0.052333712577819824},{"text":"Try me tomorrow afternoon.","start":807.935,"end":809.395,"sentiment":"neutral","sentiment_score":0.06328171584755182},{"text":"And then if I haven't got to finish going through it all, I'll we'll be able to go for Monday.","start":810.495,"end":816.115,"sentiment":"neutral","sentiment_score":0.029996983287855983},{"text":"Yeah.","start":823.25,"end":823.57,"sentiment":"neutral","sentiment_score":0.1542588323354721},{"text":"You got it, guys.","start":823.57,"end":824.53,"sentiment":"neutral","sentiment_score":0.24016137793660164}],"sentiment":"neutral","sentiment_score":0.06734348619356752,"num_words":30,"start":807.375,"end":824.53},{"sentences":[{"text":"Yep.","start":824.53,"end":825.03,"sentiment":"neutral","sentiment_score":0.18878373503685},{"text":"Yep.","start":842.625,"end":843.125,"sentiment":"neutral","sentiment_score":0.12428167462348938},{"text":"Yep.","start":844.705,"end":844.865,"sentiment":"neutral","sentiment_score":0.131583571434021},{"text":"Four lessons.","start":844.865,"end":845.605,"sentiment":"neutral","sentiment_score":0.21610248088836673},{"text":"Stop.","start":845.825,"end":846.325,"sentiment":"neutral","sentiment_score":0.025888634845614433}],"sentiment":"neutral","sentiment_score":0.15045709628611803,"num_words":6,"start":824.53,"end":846.325},{"sentences":[{"text":"Okay.","start":855.3,"end":855.7,"sentiment":"positive","sentiment_score":0.3823937177658081},{"text":"Thank you.","start":855.7,"end":856.44,"sentiment":"positive","sentiment_score":0.7146074175834656},{"text":"You too.","start":859.62,"end":860.18,"sentiment":"positive","sentiment_score":0.4980188012123108},{"text":"Bye now.","start":860.18,"end":860.83997,"sentiment":"neutral","sentiment_score":0.3331554979085922}],"sentiment":"positive","sentiment_score":0.496279593024935,"num_words":7,"start":855.3,"end":860.83997}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Rob.\n\nChannel 1: Yeah. Hang on. Where are we?\n\nChannel 0: That's okay.\n\nChannel 1: You there?\n\nChannel 0: Yes. I can hear you. Can you hear me?\n\nChannel 1: IPhone speaker t's\n\nChannel 0: Yep. I can hear you. Can you hear me?\n\nChannel 1: Hello? Good. Oh, wait. This thing's taking a bit of getting on here. Well, for some reason, when I accidentally hung up on you, I ended up with some country music coming through.\n\nI don't I haven't had country music on the same side either. So I don't even know anything else about that.\n\nChannel 0: I don't know. Sometimes yeah. I don't know. Now, Roy,\n\nChannel 1: Anyway\n\nChannel 0: just because I just called you up, even though I can't hear it's you, just for security,\n\nChannel 1: yep.\n\nChannel 0: I will need you just to confirm your full name and date of birth and address for me again, please.\n\nChannel 1: Yep. That's alright. Run loosely clean at seventy to the third nineteen sixty nine. 55 Forbes Road, Longway, 4\n\nChannel 0: Yep.\n\nChannel 1: 503.\n\nChannel 0: Perfect. Thank you so much. Now like I said as well, it is just a recommendation to show you to save the premium because the monthly almost half set.\n\nChannel 1: Yep.\n\nChannel 0: So if you're unsure what you what you want to if you wanna keep it or not, at least halving it will save you a bit of money each month, and then you can always\n\nChannel 1: Yep.\n\nChannel 0: decide. Like I said, it is a recommendation if you feel like it's not worth any and you don't want it. It is ultimately up to you, but, obviously, then be mindful that at the moment, I can't get a replacement. So\n\nChannel 1: Yeah. Well,\n\nChannel 0: at\n\nChannel 1: we\n\nChannel 0: least\n\nChannel 1: might\n\nChannel 0: it\n\nChannel 1: as well\n\nChannel 0: it\n\nChannel 1: go\n\nChannel 0: shows\n\nChannel 1: with\n\nChannel 0: you.\n\nChannel 1: that one you\n\nChannel 0: Yeah.\n\nChannel 1: with the one the reduced one anyway.\n\nChannel 0: At least as a starting point, then we can always assess at our next annual review how you feel. But at least in the meantime, it will save you, you know, $200 a month, which is pretty pretty decent.\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: Now the the other good thing, though, I do wanna mention first is if you wanna scroll down through let me see here. Page 27 for me.\n\nChannel 1: Seven twenty six twenty seven.\n\nChannel 0: Can you see where it says rod apply for life and TPD? Can you see that?\n\nChannel 1: What is it? Oh, yeah. Yeah. Yeah.\n\nChannel 0: Yes. Yeah. So the good thing is that I have found one insurer, Wampas, who is willing to offer total permanent disability. So that is if you are totally and permanently disabled, and you can never go back to work again. So\n\nChannel 1: Right.\n\nChannel 0: it is a little bit different one. At the moment, you don't have a total permanent disability insurance. So I have been able to find one for you. Now that is medically underwritten with OnePath, so it is very comprehensive. You would kind of go through a bit of a a medical questionnaire.\n\nYou will then be locked in. And anything that happens after that point, you would then be covered. So it is a lot more comprehensive and extensive than those default covers that they just set up for you automatically because they don't really know anything about you.\n\nChannel 1: Alright.\n\nChannel 0: So the good thing is, again, it's just a recommendation to show you, but I have found one path who are willing to do it. Now I think when we spoke last time, you mentioned that you were happy with around just 500,000. That would give you about five years worth of that 100,000. You know, if something were to happen, that would kind of give you a bit of a buffer. So that is about 500,000.\n\nNow this is paid from within the super. So this is not from your back pocket, just from your\n\nChannel 1: Yep.\n\nChannel 0: super. Now I know you mentioned as well that life insurance you weren't that concerned about because, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: not much debt. But, actually, the way that the insurances can be structured is that it is actually cheaper for you to add the life policy through the total permanent disability, basically having them linked so that, let's say, if one whichever event happens first is what you would then be paid paid on. So if you were to pass away, it will then be, you know, that 500,000. If you were to, you know, be unable to go back to work because of an illness or an accident, like, if you cannot go back to work, then you will get paid the 500,000. It would cancel the life, But then after twelve years of life, it's reinstated.\n\nSo there's an additional 500 for your loved ones if something were to happen, and that is only for the purpose of making your policy cheaper. Because I know you said you don't really care about it, but it makes your TPD policy cheaper. So if you get an additional 500 worth of life and it makes the other policy cheaper, then, you know, that's only a bonus.\n\nChannel 1: Uh-huh.\n\nChannel 0: Does that make sense? Yep.\n\nChannel 1: Yeah. Thanks, sir.\n\nChannel 0: Yeah. Now this is paid from within Netwealth for you. The total premium is 4,318 from super for both of them. Again, it's just to show you. It's up to you if you want it or not at the end of the day.\n\nSo that would give\n\nChannel 1: Yep.\n\nChannel 0: you that total permanent disability cover.\n\nChannel 1: Yep.\n\nChannel 0: Now on by replacing the cover, we can then go ahead and cancel your AIA life policy. So that one is one that's paid from the ask card for you. It is\n\nChannel 1: Yep.\n\nChannel 0: more cover at 816, but just that life alone, it is costing 4,360. So that is basically saving so it's basically more expensive for just your life policy than the one that we are replacing with. Obviously, you will have a little bit less, but you will then also have the total permanent disability cover as well, and it's making it a little bit cheaper.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Now I have recommended that we cancel your HESTA insurances because the income protection is so minimal. But it is up to you. If you really want to keep it, we can. What it would mean, though, is that we would keep about maybe 10,000 or so in HESTA, and we would have your contributions going there instead.\n\nSo if if if you feel like you want that, we can change it. But giving at the moment, that is only about $1,000 per month, you still have to wait that ninety days. Waiting period, it it doesn't give you much.\n\nChannel 1: Well, other than that, I have nothing other than what I can make out of, you know, because I've been thinking about it, like,\n\nChannel 0: Yeah.\n\nChannel 1: for what I make a day.\n\nChannel 0: Yep.\n\nChannel 1: If I put two staff in\n\nChannel 0: Yep.\n\nChannel 1: my spot, it's and one of them has to take my spot.\n\nChannel 0: Yep.\n\nChannel 1: The the big extra I make out of it it's\n\nChannel 0: Yep.\n\nChannel 1: not much not much of\n\nChannel 0: Yeah.\n\nChannel 1: a way out of it.\n\nChannel 0: Yeah. Yeah. So that is the the the downside. Do you feel like you want to keep that HESTA even though it's only about $1,000 a month? Do you feel like you would prefer to do that?\n\nChannel 1: I don't know. I have to have a think of data for a\n\nChannel 0: Yep.\n\nChannel 1: day.\n\nChannel 0: Yeah. And and and that's good. Just let me know. Because if you say, do\n\nChannel 1: Yeah.\n\nChannel 0: you know what? I want to do that. That's okay. We can change\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: it, and we can do that. It would just mean that you would have HESTA open as well as Netwealth. And, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: the contribution\n\nChannel 1: Because on top of my on top of my\n\nChannel 0: Yeah.\n\nChannel 1: wages, I I I allow two\n\nChannel 0: Yeah.\n\nChannel 1: two two wages daily\n\nChannel 0: Yep. Yep.\n\nChannel 1: plus my horse levy.\n\nChannel 0: Yep.\n\nChannel 1: So then my horse levy has to pay fuel insurances, registration,\n\nChannel 0: Yep.\n\nChannel 1: feed my horses,\n\nChannel 0: Yep. Yep.\n\nChannel 1: and feed me\n\nChannel 0: Yep.\n\nChannel 1: all out\n\nChannel 0: Yep.\n\nChannel 1: of the all out of whatever the horse levy is. And, yeah, there wouldn't be there's not a lot out of it by the time\n\nChannel 0: Yep. Yeah.\n\nChannel 1: because I got three horse three horse trailers and two vehicles.\n\nChannel 0: Yeah. Yeah. So it is something true. Because, obviously, you still have to wait the ninety days for it. And in\n\nChannel 1: That's only three that's only three months out of two years. So yeah. I know.\n\nChannel 0: Exactly. So it's something for you to think about. Now, obviously, the other thing is, like, if you are contributing $200 per week into super at the moment, that's $800 a month. So, you know, ultimately, it's up to you. It's for the cost\n\nChannel 1: Is that\n\nChannel 0: of\n\nChannel 1: how\n\nChannel 0: it.\n\nChannel 1: much it is costing me? It's 200 a month.\n\nChannel 0: No.\n\nChannel 1: Oh, wait.\n\nChannel 0: Per\n\nChannel 1: What\n\nChannel 0: it's\n\nChannel 1: is\n\nChannel 0: costing\n\nChannel 1: it cost what\n\nChannel 0: you 5\n\nChannel 1: okay.\n\nChannel 0: 154 a year. So per month,\n\nChannel 1: Alright.\n\nChannel 0: it's costing you $45 a month\n\nChannel 1: Yep.\n\nChannel 0: to have that. So\n\nChannel 1: Alright.\n\nChannel 0: have a think about it, and then\n\nChannel 1: Yep.\n\nChannel 0: you can let me know what you prefer, and I can always get it updated if you tell me, do you know what? I really want that as well. Even though it's only a thousand dollars I want it, that's okay. It is ultimately up to you. I would\n\nChannel 1: Yep.\n\nChannel 0: say I might even schedule in a little catch up even maybe Monday, especially if you say that the HESTA insurances are due to lapse soon. I might even give HESTA a call later today just to check when it actually will lapse because we don't\n\nChannel 1: Yep.\n\nChannel 0: want that lapsing if you're unsure what you wanna do.\n\nChannel 1: Okay. Can you just hang on a second?\n\nChannel 0: Yeah. Sure.\n\nChannel 1: I don't know how to oh, it doesn't matter if she's gone. It's alright.\n\nChannel 0: Yeah.\n\nChannel 1: I was I was just been waiting on a call when it come in, but my phone switches over so bloody quick.\n\nChannel 0: Well, I'm almost at the I'm almost at the end there for you, Rod. So I will just do the last bit, then I will let you go,\n\nChannel 1: Yep.\n\nChannel 0: and then you can take that call. Now, essentially, I'll let you have a read over the other kind of couple of pages, but it outlines that insurance policy in a bit more detail, why I have recommended it for you, why I have suggested we cancel the other ones. I'll let you have a read over all of that, you know, in your own time. And then the last thing I do wanna mention is just the remuneration. So like I mentioned, if you, you know, want to go ahead with these changes, there is no upfront due for anuation fee at all.\n\nIt is just part of that ongoing service agreement. So that would be, obviously, if you are happy to stay on as a client, it will then be another service agreement for the next twelve months. But, you know, if you are at any point in time not happy with the services, you can cancel whenever you want to. So that then allows us to manage your super and your insurances and do all of this for you. It is from your superannuation.\n\nNo changes. Just that ongoing fee of 1.65, okay, from super.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the other thing is just the one path insurances. So we do get commissions for insurance policy. So when we set them up, it's 66% of the premium upfront. It is 23% ongoing. However, that is the insurance paying us.\n\nIt is not you paying us. It is them paying us. But for compliance and to make sure that you're fully aware of it, we do have to let you know that it is them paying us. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the the next couple of things is then just talking about how we would go about doing the changes. We would obviously help you through the process, but it will be to start consolidating your. We wanna get that new insurance policy enforced for you, also submit the reduction. We would submit that to Afscard through reduce your sorry, the Astrone to reduce your income protection if you're happy with that, and then get everything consolidated and send you those contributions form to keep, you know, contributing to super to grow that.\n\nSo we would kind of, you know, help you through the process so you wouldn't have to worry about what comes next. So that is all outlined there for you. Now I know that was a a lot to get through today, Ross. So I will have a read through the documents. You know, any questions or anything like that, let me know.\n\nDo you want me to give you a call, like, tomorrow afternoon to see how you go, or do you wanna wait till, like, Monday to give you more time to have a think about what you wanna do? Because I'm also mindful of time.\n\nChannel 1: Yeah. Probably. Yeah. Try me tomorrow afternoon.\n\nChannel 0: Yeah?\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: then if I haven't got to finish going through it all, I'll we'll be able to go for Monday.\n\nChannel 0: Yeah. Perfect. Alright. I have currently I can give you a call around 03:30. Would that work?\n\nChannel 1: Yeah. You got it, guys. Yep.\n\nChannel 0: Yeah. Alright. Perfect. You can obviously go back through this email today and have a read through it tonight or tomorrow morning, whenever you have time. And then, yeah, just let me know what you wanna do, and I will get Caden through call Hester and just reconfirm when that lapses just to be safe for you\n\nChannel 1: Yep.\n\nChannel 0: in the meantime. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Alright.\n\nChannel 1: Four lessons.\n\nChannel 0: Perfect.\n\nChannel 1: Stop.\n\nChannel 0: Well, thank you so much for your time today, Rod, and I look forward to speaking with you tomorrow. And if anything changes or you have any questions before then, you know, just give me a call.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: No problem. Well, enjoy the rest of your day, Rod.\n\nChannel 1: You too. Bye now.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Rob.","start":2.96,"end":3.86,"sentiment":"neutral","sentiment_score":0.05403023585677147}],"sentiment":"neutral","sentiment_score":0.05403023585677147,"channel":0,"num_words":2,"start":2.96,"end":3.86},{"sentences":[{"text":"Yeah.","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.04997216910123825},{"text":"Hang on.","start":4.56,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.020985769107937813},{"text":"Where are we?","start":5.2799997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.009960737079381943}],"sentiment":"neutral","sentiment_score":0.02030431975920995,"channel":1,"num_words":6,"start":3.84,"end":6.2599998},{"sentences":[{"text":"That's okay.","start":5.8399997,"end":6.5,"sentiment":"neutral","sentiment_score":0.08114776387810707}],"sentiment":"neutral","sentiment_score":0.08114776387810707,"channel":0,"num_words":2,"start":5.8399997,"end":6.5},{"sentences":[{"text":"You 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me.","start":124.145,"end":127.604996,"sentiment":"neutral","sentiment_score":0.02921981830149889}],"sentiment":"neutral","sentiment_score":0.14964341868956885,"channel":0,"num_words":27,"start":109.62,"end":127.604996},{"sentences":[{"text":"Seven twenty six twenty seven.","start":130.135,"end":132.795,"sentiment":"neutral","sentiment_score":0.015282280184328556}],"sentiment":"neutral","sentiment_score":0.015282280184328556,"channel":1,"num_words":5,"start":130.135,"end":132.795},{"sentences":[{"text":"Can you see where it says rod apply for life and TPD?","start":134.96,"end":141.38,"sentiment":"neutral","sentiment_score":0.021738032189508278},{"text":"Can you see that?","start":143.20001,"end":144.34001,"sentiment":"neutral","sentiment_score":0.011924085207283497}],"sentiment":"neutral","sentiment_score":0.019284545443952084,"channel":0,"num_words":16,"start":134.96,"end":144.34001},{"sentences":[{"text":"What is 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to pass away, it will then be, you know, that 500,000.","start":266.36502,"end":270.385,"sentiment":"neutral","sentiment_score":0.050945967560013135},{"text":"If you were to, you know, be unable to go back to work because of an illness or an accident, like, if you cannot go back to work, then you will get paid the 500,000.","start":270.79,"end":281.13,"sentiment":"neutral","sentiment_score":-0.041088621584432466},{"text":"It would cancel the life, But then after twelve years of life, it's reinstated.","start":281.59,"end":285.485,"sentiment":"neutral","sentiment_score":-0.0048405828752688}],"sentiment":"neutral","sentiment_score":0.11511296055958432,"channel":0,"num_words":118,"start":242.55,"end":285.485},{"sentences":[{"text":"So there's an additional 500 for your loved ones if something were to happen, and that is only for the purpose of making your policy cheaper.","start":285.625,"end":294.685,"sentiment":"neutral","sentiment_score":0.2984711155295372},{"text":"Because I know you 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guys.","start":823.57,"end":824.53,"sentiment":"neutral","sentiment_score":0.24016137793660164},{"text":"Yep.","start":824.53,"end":825.03,"sentiment":"neutral","sentiment_score":0.18878373503685}],"sentiment":"neutral","sentiment_score":0.21728134651978812,"channel":1,"num_words":6,"start":823.25,"end":825.03},{"sentences":[{"text":"Yeah.","start":824.605,"end":825.005,"sentiment":"neutral","sentiment_score":0.222312793135643},{"text":"Alright.","start":825.005,"end":825.505,"sentiment":"positive","sentiment_score":0.362981379032135},{"text":"Perfect.","start":825.565,"end":826.065,"sentiment":"positive","sentiment_score":0.555051326751709},{"text":"You can obviously go back through this email today and have a read through it tonight or tomorrow morning, whenever you have time.","start":826.925,"end":833.82495,"sentiment":"neutral","sentiment_score":0.3158227904983189},{"text":"And then, yeah, just let me know what you wanna do, and I will get Caden through call Hester and just reconfirm when that lapses just to be safe for you","start":834.285,"end":842.67,"sentiment":"neutral","sentiment_score":0.188120283426777}],"sentiment":"neutral","sentiment_score":0.24975435906334928,"channel":0,"num_words":57,"start":824.605,"end":842.67},{"sentences":[{"text":"Yep.","start":842.625,"end":843.125,"sentiment":"neutral","sentiment_score":0.12428167462348938}],"sentiment":"neutral","sentiment_score":0.12428167462348938,"channel":1,"num_words":1,"start":842.625,"end":843.125},{"sentences":[{"text":"in the meantime.","start":842.67,"end":843.41,"sentiment":"neutral","sentiment_score":0.10709970692793529},{"text":"Yep.","start":844.35,"end":844.83,"sentiment":"neutral","sentiment_score":0.1100706160068512}],"sentiment":"neutral","sentiment_score":0.10784243419766426,"channel":0,"num_words":4,"start":842.67,"end":844.83},{"sentences":[{"text":"Yep.","start":844.705,"end":844.865,"sentiment":"neutral","sentiment_score":0.131583571434021}],"sentiment":"neutral","sentiment_score":0.131583571434021,"channel":1,"num_words":1,"start":844.705,"end":844.865},{"sentences":[{"text":"Alright.","start":844.83,"end":845.23,"sentiment":"neutral","sentiment_score":0.21110451221466064}],"sentiment":"neutral","sentiment_score":0.21110451221466064,"channel":0,"num_words":1,"start":844.83,"end":845.23},{"sentences":[{"text":"Four lessons.","start":844.865,"end":845.605,"sentiment":"neutral","sentiment_score":0.21610248088836673}],"sentiment":"neutral","sentiment_score":0.21610248088836673,"channel":1,"num_words":2,"start":844.865,"end":845.605},{"sentences":[{"text":"Perfect.","start":845.23,"end":845.73,"sentiment":"positive","sentiment_score":0.4923811554908752}],"sentiment":"positive","sentiment_score":0.4923811554908752,"channel":0,"num_words":1,"start":845.23,"end":845.73},{"sentences":[{"text":"Stop.","start":845.825,"end":846.325,"sentiment":"neutral","sentiment_score":0.025888634845614433}],"sentiment":"neutral","sentiment_score":0.025888634845614433,"channel":1,"num_words":1,"start":845.825,"end":846.325},{"sentences":[{"text":"Well, thank you so much for your time today, Rod, and I look forward to speaking with you tomorrow.","start":845.95,"end":849.95,"sentiment":"positive","sentiment_score":0.8536390411226373},{"text":"And if anything changes or you have any questions before then, you know, just give me a call.","start":849.95,"end":854.675,"sentiment":"neutral","sentiment_score":0.23494900431897905}],"sentiment":"positive","sentiment_score":0.5526546988938306,"channel":0,"num_words":37,"start":845.95,"end":854.675},{"sentences":[{"text":"Okay.","start":855.3,"end":855.7,"sentiment":"positive","sentiment_score":0.3823937177658081},{"text":"Thank you.","start":855.7,"end":856.44,"sentiment":"positive","sentiment_score":0.7146074175834656}],"sentiment":"positive","sentiment_score":0.6038695176442465,"channel":1,"num_words":3,"start":855.3,"end":856.44},{"sentences":[{"text":"No problem.","start":856.65497,"end":857.39496,"sentiment":"positive","sentiment_score":0.5342234522104263},{"text":"Well, enjoy the rest of your day, Rod.","start":857.45496,"end":859.235,"sentiment":"positive","sentiment_score":0.735705554485321}],"sentiment":"positive","sentiment_score":0.6954091340303421,"channel":0,"num_words":10,"start":856.65497,"end":859.235},{"sentences":[{"text":"You too.","start":859.62,"end":860.18,"sentiment":"positive","sentiment_score":0.4980188012123108},{"text":"Bye now.","start":860.18,"end":860.83997,"sentiment":"neutral","sentiment_score":0.3331554979085922}],"sentiment":"positive","sentiment_score":0.4155871495604515,"channel":1,"num_words":4,"start":859.62,"end":860.83997},{"sentences":[{"text":"Thanks.","start":860.815,"end":861.315,"sentiment":"positive","sentiment_score":0.6451200246810913},{"text":"Bye.","start":861.375,"end":861.875,"sentiment":"neutral","sentiment_score":-0.11946635693311693}],"sentiment":"neutral","sentiment_score":0.2628268338739872,"channel":0,"num_words":2,"start":860.815,"end":861.875}]},"summary":{"result":"success","short":"A customer calls a representative to discuss their life insurance policy and learns that adding a policy would make it cheaper. The agent recommends canceling the current policy and mentions a new one that would cost $1,000 per month. The agent explains that the HESTA insurance policy is only for making the policy cheaper and provides information on the cost. The customer is advised to have a catch-up call to discuss the policy and cancel their other insurance policy. The agent will have a read through the documents and call the customer back to reconfirm when it lapses."},"intents":{"segments":[{"text":"But at least in the meantime, it will save you, you know, $200 a month, which is pretty pretty decent. Yep.","start_word":310,"end_word":330,"intents":[{"intent":"Provide cost guidance","confidence_score":0.000004698065}]},{"text":"So if you get an additional 500 worth of life and it makes the other policy cheaper, then, you know, that's only a bonus. Uh-huh.","start_word":809,"end_word":833,"intents":[{"intent":"Promote life policy benefits","confidence_score":0.01417703}]},{"text":"If you really want to keep it, we can. What it would mean, though, is that we would keep about maybe 10,000 or so in HESTA, and we would have your contributions going there instead. So if if if you feel like you want that, we can change it.","start_word":1021,"end_word":1069,"intents":[{"intent":"Request change","confidence_score":0.00022730634}]},{"text":"The the big extra I make out of it it's Yep. not much not much of Yeah. a way out of it. Yeah.","start_word":1150,"end_word":1172,"intents":[{"intent":"Consider additional expense","confidence_score":0.000077713026}]},{"text":"Do you feel like you want to keep that HESTA even though it's only about $1,000 a month? Do you feel like you would prefer to do that? I don't know.","start_word":1181,"end_word":1211,"intents":[{"intent":"Confirm payment method","confidence_score":0.00075512106}]},{"text":"Now, essentially, I'll let you have a read over the other kind of couple of pages, but it outlines that insurance policy in a bit more detail, why I have recommended it for you, why I have suggested we cancel the other ones.","start_word":1695,"end_word":1737,"intents":[{"intent":"Guide insurance policy","confidence_score":0.0008883529}]},{"text":"We would obviously help you through the process, but it will be to start consolidating your. We wanna get that new insurance policy enforced for you, also submit the reduction. We would submit that to Afscard through reduce your sorry, the Astrone to reduce your income protection if you're happy with that, and then get everything consolidated and send you those contributions form to keep, you know, contributing to super to grow that.","start_word":1988,"end_word":2060,"intents":[{"intent":"Consolidate","confidence_score":0.10296301}]},{"text":"We would submit that to Afscard through reduce your sorry, the Astrone to reduce your income protection if you're happy with that, and then get everything consolidated and send you those contributions form to keep, you know, contributing to super to grow that.","start_word":2018,"end_word":2060,"intents":[{"intent":"Submit reduction","confidence_score":0.97768575}]},{"text":"So I will have a read through the documents. You know, any questions or anything like that, let me know.","start_word":2104,"end_word":2123,"intents":[{"intent":"Read documents","confidence_score":0.28493932}]},{"text":"Do you want me to give you a call, like, tomorrow afternoon to see how you go, or do you wanna wait till, like, Monday to give you more time to have a think about what you wanna do? Because I'm also mindful of time. Yeah.","start_word":2124,"end_word":2169,"intents":[{"intent":"Schedule call","confidence_score":0.06615772}]},{"text":"You can obviously go back through this email today and have a read through it tonight or tomorrow morning, whenever you have time. And then, yeah, just let me know what you wanna do, and I will get Caden through call Hester and just reconfirm when that lapses just to be safe for you Yep.","start_word":2224,"end_word":2278,"intents":[{"intent":"Confirm lapses","confidence_score":0.016281225},{"intent":"Reconfirm safety","confidence_score":0.012490554}]}]},"sentiments":{"segments":[{"text":"Hi, Rob. Yeah. Hang on. Where are we? That's okay. You there? Yes. I can hear you. Can you hear me? IPhone speaker t's Yep. I can hear you. Can you hear me? Hello? Good. Oh, wait. This thing's taking a bit of getting on here. Well, for some reason, when I accidentally hung up on you, I ended up with some country music coming through. I don't I haven't had country music on the same side either. So I don't even know anything else about that. I don't know. Sometimes yeah. I don't know. Now, Roy, Anyway just because I just called you up, even though I can't hear it's you, just for security, yep. I will need you just to confirm your full name and date of birth and address for me again, please. Yep. That's alright. Run loosely clean at seventy to the third nineteen sixty nine. 55 Forbes Road, Longway, 4 Yep. 503. Perfect.","start_word":0,"end_word":157,"sentiment":"neutral","sentiment_score":-0.05448641628026962},{"text":"Thank you so much.","start_word":158,"end_word":161,"sentiment":"positive","sentiment_score":0.7237252593040466},{"text":"Now like I said as well, it is just a recommendation to show you to save the premium because the monthly almost half set. Yep. So if you're unsure what you what you want to if you wanna keep it or not, at least halving it will save you a bit of money each month, and then you can always Yep. decide. Like I said, it is a recommendation if you feel like it's not worth any and you don't want it. It is ultimately up to you, but, obviously, then be mindful that at the moment, I can't get a replacement. So Yeah. Well, at we least might it as well it go shows with you. that one you Yeah. with the one the reduced one anyway. At least as a starting point, then we can always assess at our next annual review how you feel.","start_word":162,"end_word":308,"sentiment":"neutral","sentiment_score":0.004385225474834442},{"text":"But at least in the meantime, it will save you, you know, $200 a month, which is pretty pretty decent.","start_word":309,"end_word":328,"sentiment":"positive","sentiment_score":0.6149105429649353},{"text":"Yep. Yeah. Yep. Now the the other good thing, though, I do wanna mention first is if you wanna scroll down through let me see here. Page 27 for me. Seven twenty six twenty seven. Can you see where it says rod apply for life and TPD? Can you see that? What is it? Oh, yeah. Yeah. Yeah. Yes. Yeah.","start_word":329,"end_word":388,"sentiment":"neutral","sentiment_score":0.10073495656251907},{"text":"So the good thing is that I have found one insurer, Wampas, who is willing to offer total permanent disability.","start_word":389,"end_word":408,"sentiment":"positive","sentiment_score":0.38844433426856995},{"text":"So that is if you are totally and permanently disabled, and you can never go back to work again. So Right. it is a little bit different one. At the moment, you don't have a total permanent disability insurance. So I have been able to find one for you.","start_word":409,"end_word":457,"sentiment":"neutral","sentiment_score":0.15241675078868866},{"text":"Now that is medically underwritten with OnePath, so it is very comprehensive.","start_word":458,"end_word":469,"sentiment":"positive","sentiment_score":0.34479808807373047},{"text":"You would kind of go through a bit of a a medical questionnaire. You will then be locked in. And anything that happens after that point, you would then be covered. So it is a lot more comprehensive and extensive than those default covers that they just set up for you automatically because they don't really know anything about you. Alright.","start_word":470,"end_word":530,"sentiment":"neutral","sentiment_score":0.2038605511188507},{"text":"So the good thing is, again, it's just a recommendation to show you, but I have found one path who are willing to do it.","start_word":531,"end_word":555,"sentiment":"positive","sentiment_score":0.3532077670097351},{"text":"Now I think when we spoke last time, you mentioned that you were happy with around just 500,000.","start_word":556,"end_word":573,"sentiment":"neutral","sentiment_score":0.2846613824367523},{"text":"That would give you about five years worth of that 100,000.","start_word":574,"end_word":584,"sentiment":"positive","sentiment_score":0.3353897035121918},{"text":"You know, if something were to happen, that would kind of give you a bit of a buffer. So that is about 500,000. Now this is paid from within the super. So this is not from your back pocket, just from your Yep. super. Now I know you mentioned as well that life insurance you weren't that concerned about because, obviously, Mhmm. not much debt. But, actually, the way that the insurances can be structured is that it is actually cheaper for you to add the life policy through the total permanent disability, basically having them linked so that, let's say, if one whichever event happens first is what you would then be paid paid on. So if you were to pass away, it will then be, you know, that 500,000. If you were to, you know, be unable to go back to work because of an illness or an accident, like, if you cannot go back to work, then you will get paid the 500,000. It would cancel the life, But then after twelve years of life, it's reinstated. So there's an additional 500 for your loved ones if something were to happen, and that is only for the purpose of making your policy cheaper. Because I know you said you don't really care about it, but it makes your TPD policy cheaper.","start_word":585,"end_word":808,"sentiment":"neutral","sentiment_score":0.16275039641186595},{"text":"So if you get an additional 500 worth of life and it makes the other policy cheaper, then, you know, that's only a bonus.","start_word":809,"end_word":832,"sentiment":"positive","sentiment_score":0.3853158354759216},{"text":"Uh-huh. Does that make sense? Yep. Yeah.","start_word":833,"end_word":839,"sentiment":"neutral","sentiment_score":0.13034003973007202},{"text":"Thanks, sir.","start_word":840,"end_word":841,"sentiment":"positive","sentiment_score":0.46626001596450806},{"text":"Yeah. Now this is paid from within Netwealth for you. The total premium is 4,318 from super for both of them. Again, it's just to show you. It's up to you if you want it or not at the end of the day. So that would give Yep. you that total permanent disability cover. Yep. Now on by replacing the cover, we can then go ahead and cancel your AIA life policy. So that one is one that's paid from the ask card for you. It is Yep. more cover at 816, but just that life alone, it is costing 4,360. So that is basically saving so it's basically more expensive for just your life policy than the one that we are replacing with. Obviously, you will have a little bit less, but you will then also have the total permanent disability cover as well, and it's making it a little bit cheaper. Mhmm. Yep. Yep. Now I have recommended that we cancel your HESTA insurances because the income protection is so minimal. But it is up to you. If you really want to keep it, we can. What it would mean, though, is that we would keep about maybe 10,000 or so in HESTA, and we would have your contributions going there instead. So if if if you feel like you want that, we can change it. But giving at the moment, that is only about $1,000 per month, you still have to wait that ninety days. Waiting period, it it doesn't give you much. Well, other than that, I have nothing other than what I can make out of, you know, because I've been thinking about it, like, Yeah. for what I make a day. Yep. If I put two staff in Yep. my spot, it's and one of them has to take my spot. Yep. The the big extra I make out of it it's Yep. not much not much of Yeah. a way out of it. Yeah. Yeah. So that is the the the downside. Do you feel like you want to keep that HESTA even though it's only about $1,000 a month? Do you feel like you would prefer to do that? I don't know. I have to have a think of data for a Yep. day. Yeah. And and and that's good. Just let me know. Because if you say, do Yeah. you know what? I want to do that. That's okay. We can change Yeah. Yeah. it, and we can do that. It would just mean that you would have HESTA open as well as Netwealth. And, obviously, Yeah. the contribution Because on top of my on top of my Yeah. wages, I I I allow two Yeah. two two wages daily Yep. Yep. plus my horse levy. Yep. So then my horse levy has to pay fuel insurances, registration, Yep. feed my horses, Yep. Yep. and feed me Yep. all out Yep. of the all out of whatever the horse levy is. And, yeah, there wouldn't be there's not a lot out of it by the time Yep. Yeah. because I got three horse three horse trailers and two vehicles. Yeah. Yeah. So it is something true. Because, obviously, you still have to wait the ninety days for it. And in That's only three that's only three months out of two years. So yeah. I know. Exactly. So it's something for you to think about. Now, obviously, the other thing is, like, if you are contributing $200 per week into super at the moment, that's $800 a month. So, you know, ultimately, it's up to you. It's for the cost Is that of how it. much it is costing me? It's 200 a month. No. Oh, wait. Per What it's is costing it cost what you 5 okay. 154 a year. So per month, Alright. it's costing you $45 a month Yep. to have that. So Alright. have a think about it, and then Yep. you can let me know what you prefer, and I can always get it updated if you tell me, do you know what?","start_word":842,"end_word":1527,"sentiment":"neutral","sentiment_score":0.01605210239312044},{"text":"I really want that as well.","start_word":1528,"end_word":1533,"sentiment":"positive","sentiment_score":0.3962746560573578},{"text":"Even though it's only a thousand dollars I want it, that's okay. It is ultimately up to you. I would Yep. say I might even schedule in a little catch up even maybe Monday, especially if you say that the HESTA insurances are due to lapse soon. I might even give HESTA a call later today just to check when it actually will lapse because we don't Yep. want that lapsing if you're unsure what you wanna do. Okay. Can you just hang on a second? Yeah. Sure. I don't know how to oh, it doesn't matter if she's gone. It's alright. Yeah. I was I was just been waiting on a call when it come in, but my phone switches over so bloody quick. Well, I'm almost at the I'm almost at the end there for you, Rod. So I will just do the last bit, then I will let you go, Yep. and then you can take that call. Now, essentially, I'll let you have a read over the other kind of couple of pages, but it outlines that insurance policy in a bit more detail, why I have recommended it for you, why I have suggested we cancel the other ones. I'll let you have a read over all of that, you know, in your own time. And then the last thing I do wanna mention is just the remuneration. So like I mentioned, if you, you know, want to go ahead with these changes, there is no upfront due for anuation fee at all. It is just part of that ongoing service agreement. So that would be, obviously, if you are happy to stay on as a client, it will then be another service agreement for the next twelve months. But, you know, if you are at any point in time not happy with the services, you can cancel whenever you want to. So that then allows us to manage your super and your insurances and do all of this for you. It is from your superannuation. No changes. Just that ongoing fee of 1.65, okay, from super. Mhmm. Now the other thing is just the one path insurances. So we do get commissions for insurance policy. So when we set them up, it's 66% of the premium upfront. It is 23% ongoing. However, that is the insurance paying us. It is not you paying us. It is them paying us. But for compliance and to make sure that you're fully aware of it, we do have to let you know that it is them paying us. Okay? Yep. Yep. Now the the next couple of things is then just talking about how we would go about doing the changes. We would obviously help you through the process, but it will be to start consolidating your. We wanna get that new insurance policy enforced for you, also submit the reduction.","start_word":1534,"end_word":2017,"sentiment":"neutral","sentiment_score":0.05923890468687558},{"text":"We would submit that to Afscard through reduce your sorry, the Astrone to reduce your income protection if you're happy with that, and then get everything consolidated and send you those contributions form to keep, you know, contributing to super to grow that. So we would kind of, you know, help you through the process so you wouldn't have to worry about what comes next. So that is all outlined there for you.","start_word":2018,"end_word":2090,"sentiment":"positive","sentiment_score":0.3843713700771332},{"text":"Now I know that was a a lot to get through today, Ross. So I will have a read through the documents. You know, any questions or anything like that, let me know. Do you want me to give you a call, like, tomorrow afternoon to see how you go, or do you wanna wait till, like, Monday to give you more time to have a think about what you wanna do? Because I'm also mindful of time. Yeah. Probably. Yeah. Try me tomorrow afternoon. Yeah? And Okay. then if I haven't got to finish going through it all, I'll we'll be able to go for Monday. Yeah.","start_word":2091,"end_word":2198,"sentiment":"neutral","sentiment_score":0.05760064721107483},{"text":"Perfect.","start_word":2199,"end_word":2199,"sentiment":"positive","sentiment_score":0.38476037979125977},{"text":"Alright. I have currently I can give you a call around 03:30. Would that work? Yeah. You got it, guys. Yep. Yeah.","start_word":2200,"end_word":2221,"sentiment":"neutral","sentiment_score":0.15914258360862732},{"text":"Alright. Perfect.","start_word":2222,"end_word":2223,"sentiment":"positive","sentiment_score":0.43980932235717773},{"text":"You can obviously go back through this email today and have a read through it tonight or tomorrow morning, whenever you have time. And then, yeah, just let me know what you wanna do, and I will get Caden through call Hester and just reconfirm when that lapses just to be safe for you Yep. in the meantime. Yep. Yep. Alright. Four lessons.","start_word":2224,"end_word":2286,"sentiment":"neutral","sentiment_score":0.21678057312965393},{"text":"Perfect.","start_word":2287,"end_word":2287,"sentiment":"positive","sentiment_score":0.4923811554908752},{"text":"Stop.","start_word":2288,"end_word":2288,"sentiment":"neutral","sentiment_score":0.21136727929115295},{"text":"Well, thank you so much for your time today, Rod, and I look forward to speaking with you tomorrow.","start_word":2289,"end_word":2307,"sentiment":"positive","sentiment_score":0.8418404459953308},{"text":"And if anything changes or you have any questions before then, you know, just give me a call.","start_word":2308,"end_word":2325,"sentiment":"neutral","sentiment_score":0.23425303399562836},{"text":"Okay. Thank you. No problem. Well, enjoy the rest of your day, Rod. You too.","start_word":2326,"end_word":2340,"sentiment":"positive","sentiment_score":0.6340387463569641},{"text":"Bye now.","start_word":2341,"end_word":2342,"sentiment":"neutral","sentiment_score":0.3331555128097534},{"text":"Thanks. Bye.","start_word":2343,"end_word":2344,"sentiment":"positive","sentiment_score":0.4740696549415589}],"average":{"sentiment":"neutral","sentiment_score":0.09726716517508588}}}}