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No. Well, as Jack probably informed you earlier, I was just wanting to have a chat with you with regards to the insurance application that we submitted with Clearview. It's just come back with a couple of exclusions. Sorry. Clearview. One path. Been looking at too many insurers today. With one path. And it's just come back with a couple of exclusions for preexisting conditions that you had on application. They've they've put a on the total permanent disability and the income protection policy, they've put a full spine exclusion, which is nonreviewable because you've been seeing a doctor since you were 18 years old. So it's the length of time for that that that condition's been ongoing. And then you provided additional information with regards to your knees as well, a patellofemoral pain syndrome. And with that, they've put a exclusion on both of the knees as well, but happy to review that once you're five years symptom free. If that, obviously, that that does pop up, we can definitely get that removed. And I just always wanna touch base with my clients to make sure that they're comfortable putting a policy in place that does come with exclusion. So that way you understand what an exclusion is and what it, I guess, prevents you from claiming on under the policy. So an exclusion basically means that no claim is payable for that condition under a total permanent facility or an income protection claim when anything relates to, like, either the spine or either knee, including any treatment or related complications. Now there are generally extenuating circumstances, I e, if you were to, you know, find yourself in an accident where any reasonable healthy person would have the same outcome, there is room for them to to review that, but it's just with the current conditions the way they are that anything of standard living wouldn't be covered. Now I wanna make sure that you're comfortable to go ahead with that. Sorry. Okay. Cool. That's perfect. And that is why I always talk to my clients. So if that's the case, I can go back to them and argue there are some providers that are less lenient when it comes to, like, chiropractic consultation. Like, I see I see a chiropractor as well. There's nothing wrong, but it's kinda nice to just be cracked out every once in a while. Yeah. No. Okay. And I can go to them, and I can push back on the spine exclusion 100%. And if they're not willing to come to the table, then we look at other providers. Enough. Yeah. 100%. Alright. Well, I will go to them, and I will do what I do. And if they're nonfavorable, then we look elsewhere. Amazing. Perfect. Alright. Cool. I will get cracking with that, and and then we can touch base. Jack sorry. I was, like, I was having a late lunch, and I was kind of he called me, and I was running back into the office. Said you were going away or unavailable for a little bit of time? Cool. Yeah. Okay. So Mondays and Wednesdays are the best day to call you after four. Perfect. No. That's okay. I think it was just with your like, with your time frames and my time frames then that this was the only day that would work. Because he called me. He's like, where are you? I was like, eating lunch in the sun. No. It's okay. He's like, Claire wants to call in, like, fifteen minutes. I was like, yeah. That's okay. I'll be back by then. Just give me a minute. I was just soaking up the vitamin d and just enjoying the overall weather because it you know, this morning was cloudy and gross. But perfect. No. I will go back to one path and push, and I will get you an answer. Okay? That's okay, Claire. Thanks for having a chat. Thanks, Anne. 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Claire. Larissa from OQ Financial. How are you going? Yeah. Cool.\n\nThank you. Can't complain on a Monday. Just got on through. How you been? Yeah.\n\nWe're getting there. Perfect. No. Well, as Jack probably informed you earlier, I was just wanting to have a chat with you with regards to the insurance application that we submitted with Clearview. It's just come back with a couple of exclusions.\n\nSorry. Clearview. One path. Been looking at too many insurers today. With one path.\n\nAnd it's just come back with a couple of exclusions for preexisting conditions that you had on application. They've they've put a on the total permanent disability and the income protection policy, they've put a full spine exclusion, which is nonreviewable because you've been seeing a doctor since you were 18 years old. So it's the length of time for that that that condition's been ongoing. And then you provided additional information with regards to your knees as well, a patellofemoral pain syndrome. And with that, they've put a exclusion on both of the knees as well, but happy to review that once you're five years symptom free.\n\nIf that, obviously, that that does pop up, we can definitely get that removed. And I just always wanna touch base with my clients to make sure that they're comfortable putting a policy in place that does come with exclusion. So that way you understand what an exclusion is and what it, I guess, prevents you from claiming on under the policy. So an exclusion basically means that no claim is payable for that condition under a total permanent facility or an income protection claim when anything relates to, like, either the spine or either knee, including any treatment or related complications. Now there are generally extenuating circumstances, I e, if you were to, you know, find yourself in an accident where any reasonable healthy person would have the same outcome, there is room for them to to review that, but it's just with the current conditions the way they are that anything of standard living wouldn't be covered.\n\nNow I wanna make sure that you're comfortable to go ahead with that. Sorry. Okay. Cool. That's perfect.\n\nAnd that is why I always talk to my clients. So if that's the case, I can go back to them and argue there are some providers that are less lenient when it comes to, like, chiropractic consultation. Like, I see I see a chiropractor as well. There's nothing wrong, but it's kinda nice to just be cracked out every once in a while. Yeah.\n\nNo. Okay. And I can go to them, and I can push back on the spine exclusion 100%. And if they're not willing to come to the table, then we look at other providers. Enough.\n\nYeah. 100%. Alright. Well, I will go to them, and I will do what I do. And if they're nonfavorable, then we look elsewhere.\n\nAmazing. Perfect. Alright. Cool. I will get cracking with that, and and then we can touch base.\n\nJack sorry. I was, like, I was having a late lunch, and I was kind of he called me, and I was running back into the office. Said you were going away or unavailable for a little bit of time? Cool. Yeah.\n\nOkay. So Mondays and Wednesdays are the best day to call you after four. Perfect. No. That's okay.\n\nI think it was just with your like, with your time frames and my time frames then that this was the only day that would work. Because he called me. He's like, where are you? I was like, eating lunch in the sun. No.\n\nIt's okay. He's like, Claire wants to call in, like, fifteen minutes. I was like, yeah. That's okay. I'll be back by then.\n\nJust give me a minute. I was just soaking up the vitamin d and just enjoying the overall weather because it you know, this morning was cloudy and gross. But perfect. No. I will go back to one path and push, and I will get you an answer.\n\nOkay? That's okay, Claire. Thanks for having a chat. Thanks, Anne. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Claire.","start":3.9199998,"end":4.64,"sentiment":"neutral","sentiment_score":0.21156319230794907},{"text":"Larissa from OQ Financial.","start":4.64,"end":6.08,"sentiment":"neutral","sentiment_score":0.25729789584875107},{"text":"How are you going?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.3077159896492958},{"text":"Yeah.","start":8.639999,"end":9.12,"sentiment":"positive","sentiment_score":0.384157121181488},{"text":"Cool.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6290726065635681}],"sentiment":"neutral","sentiment_score":0.3080343045294285,"num_words":12,"start":3.9199998,"end":9.5199995},{"sentences":[{"text":"Thank you.","start":9.5199995,"end":10.26,"sentiment":"positive","sentiment_score":0.685979038476944},{"text":"Can't complain on a Monday.","start":10.4,"end":11.78,"sentiment":"neutral","sentiment_score":0.19220146536827087},{"text":"Just got on 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you?","start":298.38498,"end":299.54498,"sentiment":"neutral","sentiment_score":-0.01710587292909622},{"text":"I was like, eating lunch in the sun.","start":299.54498,"end":301.76498,"sentiment":"neutral","sentiment_score":-0.021283579990267754},{"text":"No.","start":304.2,"end":304.28,"sentiment":"neutral","sentiment_score":-0.09067754447460176}],"sentiment":"neutral","sentiment_score":-0.02065418448976495,"num_words":44,"start":292.625,"end":304.28},{"sentences":[{"text":"It's okay.","start":304.28,"end":304.68,"sentiment":"neutral","sentiment_score":-0.03886323608458042},{"text":"He's like, Claire wants to call in, like, fifteen minutes.","start":304.68,"end":307.96,"sentiment":"neutral","sentiment_score":-0.008684590179473161},{"text":"I was like, yeah.","start":307.96,"end":308.52,"sentiment":"neutral","sentiment_score":0.006149765104055405},{"text":"That's okay.","start":308.52,"end":308.84,"sentiment":"neutral","sentiment_score":0.07083783484995365},{"text":"I'll be back by 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Claire speaking. Good. How are you? That's it. Oh, yeah. Not bad for a moment. Easy as always. Mhmm. Uh-huh. Mhmm. Mhmm. So what do they have as the spine condition? I don't have a condition in my spine. I've been taken to a chiropractor by my parents ever since I was born, and I've just kept up with it from general health. It's not for a natural condition. So I don't have any medically diagnosed condition in my spine. Yeah. Yeah. For sure. Mhmm. Yeah. It it is very nice. Yeah. And, look, I've been taken ever since I was born, so it's it's just something that I prefer to continue because it makes me feel healthy. Yep. Mhmm. No worries. Yep. Perfect. Yep. And comfortable with the knees. You know, if I'm symptom free for five years, happy for that to then be reviewed. But for now, I under I understand why they put that in. Yeah. Yeah. No. So I'm available after 04:00 Mondays and Wednesdays. Obviously, with my working hours and the slight time difference, I start work at seven. So before work just isn't an option. And I go to the gym on Tuesdays and Thursdays after work straight after work. So Yes. Yep. Yep. Yep. Yeah. They they clash a little bit. Yep. Oh my goodness. I'm so sorry. I can tell them. Yeah. As you do. Oh, awesome. Yep. No worries. Thank you very much. Okay. All good. Alright. 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Claire speaking. Good. How are you? That's it.\n\nOh, yeah. Not bad for a moment. Easy as always. Mhmm. Uh-huh.\n\nMhmm. Mhmm. So what do they have as the spine condition? I don't have a condition in my spine. I've been taken to a chiropractor by my parents ever since I was born, and I've just kept up with it from general health.\n\nIt's not for a natural condition. So I don't have any medically diagnosed condition in my spine. Yeah. Yeah. For sure.\n\nMhmm. Yeah. It it is very nice. Yeah. And, look, I've been taken ever since I was born, so it's it's just something that I prefer to continue because it makes me feel healthy.\n\nYep. Mhmm. No worries. Yep. Perfect.\n\nYep. And comfortable with the knees. You know, if I'm symptom free for five years, happy for that to then be reviewed. But for now, I under I understand why they put that in. Yeah.\n\nYeah. No. So I'm available after 04:00 Mondays and Wednesdays. 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Alright.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.08,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.04162019118666649},{"text":"Claire speaking.","start":2.3999999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.04172144643962383},{"text":"Good.","start":7.2799997,"end":7.52,"sentiment":"positive","sentiment_score":0.5275603532791138},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"positive","sentiment_score":0.3681947588920593},{"text":"That's it.","start":12.535,"end":13.275001,"sentiment":"neutral","sentiment_score":0.1819470003247261}],"sentiment":"neutral","sentiment_score":0.2356779682967398,"num_words":9,"start":2.08,"end":13.275001},{"sentences":[{"text":"Oh, yeah.","start":17.015,"end":17.655,"sentiment":"neutral","sentiment_score":0.12755749747157097},{"text":"Not bad for a moment.","start":17.655,"end":18.875,"sentiment":"neutral","sentiment_score":0.23595524132251738},{"text":"Easy as 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sure.","start":198.6,"end":199.34,"sentiment":"neutral","sentiment_score":-0.00960544217377901}],"sentiment":"neutral","sentiment_score":-0.09344136741544519,"num_words":21,"start":177.14,"end":199.34},{"sentences":[{"text":"Mhmm.","start":199.48,"end":199.98,"sentiment":"neutral","sentiment_score":0.017368126660585403},{"text":"Yeah.","start":201.8,"end":202.3,"sentiment":"neutral","sentiment_score":0.06678761541843414},{"text":"It it is very nice.","start":204.28,"end":205.56,"sentiment":"positive","sentiment_score":0.43067328035831454},{"text":"Yeah.","start":205.56,"end":205.72,"sentiment":"neutral","sentiment_score":0.22185860574245453},{"text":"And, look, I've been taken ever since I was born, so it's it's just something that I prefer to continue because it makes me feel healthy.","start":205.72,"end":214.235,"sentiment":"neutral","sentiment_score":0.25094605065309084}],"sentiment":"neutral","sentiment_score":0.2642346490174532,"num_words":34,"start":199.48,"end":214.235},{"sentences":[{"text":"Yep.","start":220.05501,"end":220.455,"sentiment":"neutral","sentiment_score":-0.12488383054733276},{"text":"Mhmm.","start":220.455,"end":220.955,"sentiment":"neutral","sentiment_score":-0.169068843126297},{"text":"No worries.","start":223.175,"end":223.91501,"sentiment":"neutral","sentiment_score":0.009196007624268532},{"text":"Yep.","start":229.53,"end":230.03,"sentiment":"neutral","sentiment_score":-0.02879466488957405},{"text":"Perfect.","start":233.69,"end":234.19,"sentiment":"positive","sentiment_score":0.42094188928604126}],"sentiment":"neutral","sentiment_score":0.01943109432856242,"num_words":6,"start":220.05501,"end":234.19},{"sentences":[{"text":"Yep.","start":235.05,"end":235.29001,"sentiment":"neutral","sentiment_score":0.17977075278759003},{"text":"And comfortable with the knees.","start":235.29001,"end":236.49,"sentiment":"neutral","sentiment_score":0.281520801782608},{"text":"You know, if I'm symptom free for five years, happy for that to then be reviewed.","start":236.49,"end":240.965,"sentiment":"neutral","sentiment_score":0.23968439735472202},{"text":"But for now, I under I understand why they put that in.","start":241.025,"end":244.08499,"sentiment":"neutral","sentiment_score":0.019193010094265144},{"text":"Yeah.","start":259.63,"end":259.79,"sentiment":"neutral","sentiment_score":-0.030952125787734985}],"sentiment":"neutral","sentiment_score":0.16061968899198942,"num_words":35,"start":235.05,"end":259.79},{"sentences":[{"text":"Yeah.","start":259.79,"end":260.29,"sentiment":"neutral","sentiment_score":-0.03411061316728592},{"text":"No.","start":265.57498,"end":265.815,"sentiment":"neutral","sentiment_score":-0.05330575257539749},{"text":"So I'm available after 04:00 Mondays and Wednesdays.","start":265.815,"end":272.235,"sentiment":"neutral","sentiment_score":-0.02307893813122064},{"text":"Obviously, with my working hours and the slight time difference, I start work at seven.","start":274.055,"end":279.255,"sentiment":"neutral","sentiment_score":-0.0068276970336834586},{"text":"So before work just isn't an option.","start":279.255,"end":281.93,"sentiment":"neutral","sentiment_score":-0.0541640558679189}],"sentiment":"neutral","sentiment_score":-0.023550366167910397,"num_words":32,"start":259.79,"end":281.93},{"sentences":[{"text":"And I go to the gym on Tuesdays and Thursdays after work straight after work.","start":283.27,"end":288.55,"sentiment":"neutral","sentiment_score":-0.015199725516140461},{"text":"So Yes.","start":288.55,"end":290.56998,"sentiment":"neutral","sentiment_score":0.031401718966662884},{"text":"Yep.","start":290.94998,"end":291.19,"sentiment":"neutral","sentiment_score":0.04988501220941544},{"text":"Yep.","start":291.19,"end":291.69,"sentiment":"neutral","sentiment_score":0.08023622632026672},{"text":"Yep.","start":296.185,"end":296.50497,"sentiment":"neutral","sentiment_score":-0.01756121590733528}],"sentiment":"neutral","sentiment_score":-0.0026316211093217134,"num_words":20,"start":283.27,"end":296.50497},{"sentences":[{"text":"Yeah.","start":296.50497,"end":296.745,"sentiment":"neutral","sentiment_score":-0.01863128133118153},{"text":"They they clash a little bit.","start":296.745,"end":298.26498,"sentiment":"neutral","sentiment_score":-0.03829737566411495},{"text":"Yep.","start":298.26498,"end":298.76498,"sentiment":"neutral","sentiment_score":-0.01295579131692648},{"text":"Oh my goodness.","start":302.025,"end":302.745,"sentiment":"neutral","sentiment_score":-0.027586739510297775},{"text":"I'm so sorry.","start":302.745,"end":303.645,"sentiment":"neutral","sentiment_score":-0.09293023496866226}],"sentiment":"neutral","sentiment_score":-0.04449444643354842,"num_words":14,"start":296.50497,"end":303.645},{"sentences":[{"text":"I can tell them.","start":310.38998,"end":315.21,"sentiment":"neutral","sentiment_score":0.2063359022140503},{"text":"Yeah.","start":316.63,"end":316.94998,"sentiment":"neutral","sentiment_score":0.0014968812465667725},{"text":"As you do.","start":316.94998,"end":317.77,"sentiment":"neutral","sentiment_score":-0.06091376394033432},{"text":"Oh, awesome.","start":320.31,"end":321.21,"sentiment":"neutral","sentiment_score":0.16214320808649063},{"text":"Yep.","start":327.435,"end":327.675,"sentiment":"neutral","sentiment_score":0.15988461673259735}],"sentiment":"neutral","sentiment_score":0.10257002101703123,"num_words":11,"start":310.38998,"end":327.675},{"sentences":[{"text":"No worries.","start":327.675,"end":328.155,"sentiment":"neutral","sentiment_score":0.31906141340732574},{"text":"Thank you very much.","start":328.155,"end":329.135,"sentiment":"positive","sentiment_score":0.7630521953105927},{"text":"Okay.","start":332.555,"end":332.955,"sentiment":"positive","sentiment_score":0.47260040044784546},{"text":"All good.","start":332.955,"end":333.615,"sentiment":"positive","sentiment_score":0.6750347316265106},{"text":"Alright.","start":335.675,"end":335.995,"sentiment":"neutral","sentiment_score":0.2296600341796875}],"sentiment":"positive","sentiment_score":0.5742661505937576,"num_words":10,"start":327.675,"end":335.995},{"sentences":[{"text":"Bye.","start":335.995,"end":336.495,"sentiment":"neutral","sentiment_score":-0.117829367518425}],"sentiment":"neutral","sentiment_score":-0.117829367518425,"num_words":1,"start":335.995,"end":336.495}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Claire speaking.\n\nChannel 0: Hi, Claire. Larissa from OQ Financial. How are you going?\n\nChannel 1: Good. How are you?\n\nChannel 0: Yeah. Cool. Thank you. Can't complain on a Monday. Just got on\n\nChannel 1: That's\n\nChannel 0: through.\n\nChannel 1: it.\n\nChannel 0: How you been?\n\nChannel 1: Oh, yeah. Not bad for a moment.\n\nChannel 0: Yeah. We're getting there.\n\nChannel 1: Easy as always.\n\nChannel 0: Perfect. No. Well, as Jack probably informed you earlier, I was just wanting to have a chat with you with regards to the insurance application that we submitted with Clearview. It's just come back with a couple of exclusions. Sorry.\n\nChannel 1: Mhmm.\n\nChannel 0: Clearview. One path. Been looking at too many insurers today. With one path. And it's just come back with a couple of exclusions for preexisting conditions that you had on application.\n\nThey've they've put a on the total permanent disability and the income protection policy, they've put a full spine exclusion, which is nonreviewable because you've been seeing a doctor since you were 18 years old. So it's the length of time for that that that condition's been ongoing. And then you provided additional information with regards to your knees as well, a patellofemoral pain syndrome.\n\nChannel 1: Uh-huh.\n\nChannel 0: And with that, they've put a exclusion on both of the knees as well, but happy to review that once you're five years symptom free. If that, obviously, that that does pop up, we can definitely get that removed. And I just always wanna touch base with my clients to make sure that they're comfortable putting a policy in place that does come with exclusion. So that way you understand what an exclusion is and what it, I guess, prevents you from claiming on under the policy.\n\nChannel 1: Mhmm.\n\nChannel 0: So an exclusion basically means that no claim is payable for that condition under a total permanent facility or an income protection claim when anything relates to, like, either the spine or either knee, including any treatment or related complications. Now there are generally extenuating circumstances, I e, if you were to, you know, find yourself in an accident where any reasonable healthy person would have the same outcome, there is\n\nChannel 1: Mhmm.\n\nChannel 0: room for them to to review that, but it's just with the current conditions the way they are that anything of standard living wouldn't be covered. Now I wanna make sure that you're comfortable to go ahead with that. Sorry.\n\nChannel 1: So what do they have as the spine condition? I don't have a condition in my spine. I've been taken to a chiropractor by my parents ever since I was born, and I've just kept up with it from general health. It's not for a natural condition. So I don't\n\nChannel 0: Okay.\n\nChannel 1: have any medically\n\nChannel 0: Cool.\n\nChannel 1: diagnosed condition in my spine.\n\nChannel 0: That's perfect. And that is why I always talk to my clients. So if that's the case, I can go back to them and argue there are some providers that are less lenient when it comes to, like, chiropractic consultation.\n\nChannel 1: Yeah. Yeah. For sure.\n\nChannel 0: Like, I\n\nChannel 1: Mhmm.\n\nChannel 0: see I see a chiropractor as well. There's nothing wrong, but\n\nChannel 1: Yeah.\n\nChannel 0: it's kinda nice to just be cracked out every once in\n\nChannel 1: It\n\nChannel 0: a while.\n\nChannel 1: it is very nice. Yeah. And, look, I've been taken ever since I was born, so it's it's just something that I prefer to continue because it makes me feel healthy.\n\nChannel 0: Yeah. No. Okay. And I can go to them, and I can push back on the spine exclusion 100%. And if they're\n\nChannel 1: Yep.\n\nChannel 0: not willing\n\nChannel 1: Mhmm.\n\nChannel 0: to come to the table, then we look at other providers.\n\nChannel 1: No worries.\n\nChannel 0: Enough. Yeah. 100%. Alright. Well, I will go to them, and I will do what I do.\n\nChannel 1: Yep.\n\nChannel 0: And if they're nonfavorable, then we look elsewhere.\n\nChannel 1: Perfect. Yep. And comfortable with the knees. You know, if I'm symptom free for five years, happy for that to then be reviewed. But for now, I under I understand why they put that in.\n\nChannel 0: Amazing. Perfect. Alright. Cool. I will get cracking with that, and and then we can touch base.\n\nJack sorry. I was, like, I was having a late lunch, and I was kind of he called me, and I was running back into the office.\n\nChannel 1: Yeah.\n\nChannel 0: Said\n\nChannel 1: Yeah.\n\nChannel 0: you were going away or unavailable for a little bit of time?\n\nChannel 1: No. So I'm available after 04:00 Mondays and Wednesdays.\n\nChannel 0: Cool.\n\nChannel 1: Obviously, with my working hours and the slight time difference, I start work at seven. So before work\n\nChannel 0: Yeah.\n\nChannel 1: just isn't an option. And I go to the gym on Tuesdays and Thursdays\n\nChannel 0: Okay.\n\nChannel 1: after\n\nChannel 0: So\n\nChannel 1: work\n\nChannel 0: Mondays\n\nChannel 1: straight\n\nChannel 0: and Wednesdays\n\nChannel 1: after\n\nChannel 0: are\n\nChannel 1: work.\n\nChannel 0: the best\n\nChannel 1: So\n\nChannel 0: day to call you after four.\n\nChannel 1: Yes. Yep. Yep.\n\nChannel 0: Perfect. No. That's okay. I think it was just with your like, with your time frames and my time frames then that this\n\nChannel 1: Yep.\n\nChannel 0: was the\n\nChannel 1: Yeah.\n\nChannel 0: only\n\nChannel 1: They\n\nChannel 0: day that\n\nChannel 1: they\n\nChannel 0: would\n\nChannel 1: clash\n\nChannel 0: work.\n\nChannel 1: a little\n\nChannel 0: Because\n\nChannel 1: bit.\n\nChannel 0: he called\n\nChannel 1: Yep.\n\nChannel 0: me. He's like, where are you? I was like, eating lunch in the sun.\n\nChannel 1: Oh my goodness. I'm so sorry.\n\nChannel 0: No. It's okay. He's like, Claire wants to call in, like, fifteen minutes. I was like, yeah. That's okay.\n\nI'll be back by then. Just give me a minute.\n\nChannel 1: I can tell\n\nChannel 0: I was just soaking up the vitamin d and just enjoying\n\nChannel 1: them.\n\nChannel 0: the overall weather because it you know,\n\nChannel 1: Yeah.\n\nChannel 0: this morning\n\nChannel 1: As you\n\nChannel 0: was\n\nChannel 1: do.\n\nChannel 0: cloudy and gross.\n\nChannel 1: Oh, awesome.\n\nChannel 0: But perfect. No. I will go back to one path and push, and I will get you an answer. Okay?\n\nChannel 1: Yep. No worries. Thank you very much.\n\nChannel 0: That's okay, Claire. Thanks for having a chat.\n\nChannel 1: Okay. All good.\n\nChannel 0: Thanks, Anne. Bye.\n\nChannel 1: Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.08,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.04162019118666649},{"text":"Claire speaking.","start":2.3999999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.04172144643962383}],"sentiment":"neutral","sentiment_score":0.041687694688638054,"channel":1,"num_words":3,"start":2.08,"end":3.1399999},{"sentences":[{"text":"Hi, Claire.","start":3.9199998,"end":4.64,"sentiment":"neutral","sentiment_score":0.21156319230794907},{"text":"Larissa from OQ Financial.","start":4.64,"end":6.08,"sentiment":"neutral","sentiment_score":0.25729789584875107},{"text":"How are you 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Monday.","start":10.4,"end":11.78,"sentiment":"neutral","sentiment_score":0.19220146536827087},{"text":"Just got 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been?","start":15.345,"end":16.244999,"sentiment":"neutral","sentiment_score":0.1389023164908091}],"sentiment":"neutral","sentiment_score":0.1389023164908091,"channel":0,"num_words":3,"start":15.345,"end":16.244999},{"sentences":[{"text":"Oh, yeah.","start":17.015,"end":17.655,"sentiment":"neutral","sentiment_score":0.12755749747157097},{"text":"Not bad for a moment.","start":17.655,"end":18.875,"sentiment":"neutral","sentiment_score":0.23595524132251738}],"sentiment":"neutral","sentiment_score":0.20498445736510412,"channel":1,"num_words":7,"start":17.015,"end":18.875},{"sentences":[{"text":"Yeah.","start":19.665,"end":20.065,"sentiment":"neutral","sentiment_score":0.29068827629089355},{"text":"We're getting there.","start":20.065,"end":21.125,"sentiment":"positive","sentiment_score":0.38341450691223145}],"sentiment":"positive","sentiment_score":0.360232949256897,"channel":0,"num_words":4,"start":19.665,"end":21.125},{"sentences":[{"text":"Easy as always.","start":23.494999,"end":24.475,"sentiment":"positive","sentiment_score":0.5796208182970682}],"sentiment":"positive","sentiment_score":0.5796208182970682,"channel":1,"num_words":3,"start":23.494999,"end":24.475},{"sentences":[{"text":"Perfect.","start":25.665,"end":26.165,"sentiment":"positive","sentiment_score":0.5128864645957947},{"text":"No.","start":26.465,"end":26.945,"sentiment":"neutral","sentiment_score":-0.03660634532570839},{"text":"Well, as Jack probably informed you earlier, I was just wanting to have a chat with you with regards to the insurance application that we submitted with Clearview.","start":26.945,"end":37.59,"sentiment":"neutral","sentiment_score":-0.028858103922435215},{"text":"It's just come back with a couple of exclusions.","start":37.809998,"end":41.67,"sentiment":"neutral","sentiment_score":-0.270583924320009},{"text":"Sorry.","start":42.29,"end":42.53,"sentiment":"neutral","sentiment_score":-0.2491903305053711}],"sentiment":"neutral","sentiment_score":-0.0754048109985888,"channel":0,"num_words":40,"start":25.665,"end":42.53},{"sentences":[{"text":"Mhmm.","start":42.425003,"end":42.925003,"sentiment":"neutral","sentiment_score":-0.0894739031791687}],"sentiment":"neutral","sentiment_score":-0.0894739031791687,"channel":1,"num_words":1,"start":42.425003,"end":42.925003},{"sentences":[{"text":"Clearview.","start":42.53,"end":43.01,"sentiment":"neutral","sentiment_score":-0.07362442463636398},{"text":"One path.","start":43.01,"end":43.695,"sentiment":"neutral","sentiment_score":-0.08178335800766945},{"text":"Been looking at too many insurers today.","start":43.935,"end":45.715,"sentiment":"neutral","sentiment_score":-0.18010628862040384},{"text":"With one 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as well, a patellofemoral pain syndrome.","start":77.015,"end":88.14,"sentiment":"neutral","sentiment_score":-0.045398580677369064}],"sentiment":"neutral","sentiment_score":-0.134616015622249,"channel":0,"num_words":65,"start":55.295,"end":88.14},{"sentences":[{"text":"Uh-huh.","start":89.07,"end":89.57,"sentiment":"neutral","sentiment_score":-0.01376747526228428}],"sentiment":"neutral","sentiment_score":-0.01376747526228428,"channel":1,"num_words":1,"start":89.07,"end":89.57},{"sentences":[{"text":"And with that, they've put a exclusion on both of the knees as well, but happy to review that once you're five years symptom free.","start":90.28,"end":98.925,"sentiment":"neutral","sentiment_score":0.01941317707300186},{"text":"If that, obviously, that that does pop up, we can definitely get that removed.","start":99.005005,"end":103.665,"sentiment":"neutral","sentiment_score":-0.046894220901387076},{"text":"And I just always wanna touch base with my clients to make sure that they're comfortable putting a policy in place that does come with exclusion.","start":103.805,"end":109.985,"sentiment":"neutral","sentiment_score":0.12012228561350359},{"text":"So that way you understand what an exclusion is and what it, I guess, prevents you from claiming on under the policy.","start":110.845,"end":118.15,"sentiment":"neutral","sentiment_score":-0.0452413335442543}],"sentiment":"neutral","sentiment_score":0.02249057956532329,"channel":0,"num_words":87,"start":90.28,"end":118.15},{"sentences":[{"text":"Mhmm.","start":119.170006,"end":119.670006,"sentiment":"neutral","sentiment_score":-0.061767153441905975}],"sentiment":"neutral","sentiment_score":-0.061767153441905975,"channel":1,"num_words":1,"start":119.170006,"end":119.670006},{"sentences":[{"text":"So an exclusion basically means that no claim is payable for that condition under a total permanent facility or an income protection claim when anything relates to, like, either the spine or either knee, including any treatment 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vitamin d and just enjoying","start":312.04,"end":314.46,"sentiment":"neutral","sentiment_score":0.2761927599256689}],"sentiment":"neutral","sentiment_score":0.2761927599256689,"channel":0,"num_words":11,"start":312.04,"end":314.46},{"sentences":[{"text":"them.","start":314.71,"end":315.21,"sentiment":"neutral","sentiment_score":0.20740339159965515}],"sentiment":"neutral","sentiment_score":0.20740339159965515,"channel":1,"num_words":1,"start":314.71,"end":315.21},{"sentences":[{"text":"the overall weather because it you 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awesome.","start":320.31,"end":321.21,"sentiment":"neutral","sentiment_score":0.16214320808649063}],"sentiment":"neutral","sentiment_score":0.16214320808649063,"channel":1,"num_words":2,"start":320.31,"end":321.21},{"sentences":[{"text":"But perfect.","start":322.14502,"end":322.70502,"sentiment":"neutral","sentiment_score":0.1605663150548935},{"text":"No.","start":322.70502,"end":322.945,"sentiment":"neutral","sentiment_score":-0.006024225614964962},{"text":"I will go back to one path and push, and I will get you an answer.","start":322.945,"end":326.465,"sentiment":"neutral","sentiment_score":0.1704950239509344},{"text":"Okay?","start":326.465,"end":326.965,"sentiment":"neutral","sentiment_score":0.09236202389001846}],"sentiment":"neutral","sentiment_score":0.15676954057998954,"channel":0,"num_words":20,"start":322.14502,"end":326.965},{"sentences":[{"text":"Yep.","start":327.435,"end":327.675,"sentiment":"neutral","sentiment_score":0.15988461673259735},{"text":"No worries.","start":327.675,"end":328.155,"sentiment":"neutral","sentiment_score":0.31906141340732574},{"text":"Thank you very much.","start":328.155,"end":329.135,"sentiment":"positive","sentiment_score":0.7630521953105927}],"sentiment":"positive","sentiment_score":0.5500308892556599,"channel":1,"num_words":7,"start":327.435,"end":329.135},{"sentences":[{"text":"That's okay, Claire.","start":329.505,"end":330.385,"sentiment":"positive","sentiment_score":0.5646735429763794},{"text":"Thanks for having a chat.","start":330.385,"end":332.165,"sentiment":"positive","sentiment_score":0.7947622418403626}],"sentiment":"positive","sentiment_score":0.7084789797663689,"channel":0,"num_words":8,"start":329.505,"end":332.165},{"sentences":[{"text":"Okay.","start":332.555,"end":332.955,"sentiment":"positive","sentiment_score":0.47260040044784546},{"text":"All 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Financial called a customer named Larissa regarding an insurance application for Clearview. The representative explained that there were some exclusions for preexisting conditions and patellofemoral pain syndrome, but they can remove them if the customer is symptom-free. The representative also discussed the customer's health and the possibility of a spine exclusion. The customer was available afteratorals and the representative said they would call back with an answer."},"intents":{"segments":[{"text":"Well, as Jack probably informed you earlier, I was just wanting to have a chat with you with regards to the insurance application that we submitted with Clearview. It's just come back with a couple of exclusions. Sorry.","start_word":51,"end_word":88,"intents":[{"intent":"Discuss insurance application","confidence_score":0.3898048},{"intent":"Provide exclusions","confidence_score":0.0015294781},{"intent":"Identify concerns","confidence_score":0.0002077748}]},{"text":"And I just always wanna touch base with my clients to make sure that they're comfortable putting a policy in place that does come with exclusion. So that way you understand what an exclusion is and what it, I guess, prevents you from claiming on under the policy. Mhmm.","start_word":226,"end_word":274,"intents":[{"intent":"Touch base with clients","confidence_score":0.46494293},{"intent":"Establish policy","confidence_score":0.0007202436}]},{"text":"So that way you understand what an exclusion is and what it, I guess, prevents you from claiming on under the policy. Mhmm.","start_word":252,"end_word":274,"intents":[{"intent":"Understand policy","confidence_score":0.06546526}]},{"text":"So an exclusion basically means that no claim is payable for that condition under a total permanent facility or an income protection claim when anything relates to, like, either the spine or either knee, including any treatment or related complications.","start_word":276,"end_word":315,"intents":[{"intent":"Clarify exclusion policy","confidence_score":0.0052948}]},{"text":"the best So day to call you after four. Yes.","start_word":764,"end_word":773,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.0053396416}]}]},"sentiments":{"segments":[{"text":"Hello. Claire speaking. Hi, Claire. Larissa from OQ Financial. How are you going?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.20700332522392273},{"text":"Good. How are you? Yeah. Cool. Thank you.","start_word":13,"end_word":20,"sentiment":"positive","sentiment_score":0.4998742938041687},{"text":"Can't complain on a Monday. Just got on That's through. it. How you been? Oh, yeah. Not bad for a moment. Yeah.","start_word":21,"end_word":42,"sentiment":"neutral","sentiment_score":0.19629628956317904},{"text":"We're getting there. Easy as always. Perfect.","start_word":43,"end_word":49,"sentiment":"positive","sentiment_score":0.4668675363063812},{"text":"No. Well, as Jack probably informed you earlier, I was just wanting to have a chat with you with regards to the insurance application that we submitted with Clearview. It's just come back with a couple of exclusions. Sorry. Mhmm. Clearview. One path. Been looking at too many insurers today. With one path. And it's just come back with a couple of exclusions for preexisting conditions that you had on application. They've they've put a on the total permanent disability and the income protection policy, they've put a full spine exclusion, which is nonreviewable because you've been seeing a doctor since you were 18 years old. So it's the length of time for that that that condition's been ongoing. And then you provided additional information with regards to your knees as well, a patellofemoral pain syndrome. Uh-huh. And with that, they've put a exclusion on both of the knees as well, but happy to review that once you're five years symptom free. If that, obviously, that that does pop up, we can definitely get that removed. And I just always wanna touch base with my clients to make sure that they're comfortable putting a policy in place that does come with exclusion. So that way you understand what an exclusion is and what it, I guess, prevents you from claiming on under the policy. Mhmm. So an exclusion basically means that no claim is payable for that condition under a total permanent facility or an income protection claim when anything relates to, like, either the spine or either knee, including any treatment or related complications. Now there are generally extenuating circumstances, I e, if you were to, you know, find yourself in an accident where any reasonable healthy person would have the same outcome, there is Mhmm. room for them to to review that, but it's just with the current conditions the way they are that anything of standard living wouldn't be covered. Now I wanna make sure that you're comfortable to go ahead with that. Sorry. So what do they have as the spine condition? I don't have a condition in my spine. I've been taken to a chiropractor by my parents ever since I was born, and I've just kept up with it from general health. It's not for a natural condition. So I don't Okay. have any medically Cool. diagnosed condition in my spine.","start_word":50,"end_word":446,"sentiment":"neutral","sentiment_score":-0.101586967406405},{"text":"That's perfect.","start_word":447,"end_word":448,"sentiment":"positive","sentiment_score":0.49079275131225586},{"text":"And that is why I always talk to my clients. So if that's the case, I can go back to them and argue there are some providers that are less lenient when it comes to, like, chiropractic consultation. Yeah. Yeah. For sure. Like, I Mhmm. see I see a chiropractor as well. There's nothing wrong, but Yeah. it's kinda nice to just be cracked out every once in It a while.","start_word":449,"end_word":519,"sentiment":"neutral","sentiment_score":0.004392874892801046},{"text":"it is very nice.","start_word":520,"end_word":523,"sentiment":"positive","sentiment_score":0.5075482726097107},{"text":"Yeah. And, look, I've been taken ever since I was born, so it's it's just something that I prefer to continue because it makes me feel healthy. Yeah. No. Okay. And I can go to them, and I can push back on the spine exclusion 100%. And if they're Yep. not willing Mhmm. to come to the table, then we look at other providers. No worries. Enough. Yeah. 100%. Alright. Well, I will go to them, and I will do what I do. Yep. And if they're nonfavorable, then we look elsewhere.","start_word":524,"end_word":615,"sentiment":"neutral","sentiment_score":-0.020014144986382},{"text":"Perfect.","start_word":616,"end_word":616,"sentiment":"positive","sentiment_score":0.42094188928604126},{"text":"Yep. And comfortable with the knees. You know, if I'm symptom free for five years, happy for that to then be reviewed. But for now, I under I understand why they put that in.","start_word":617,"end_word":650,"sentiment":"neutral","sentiment_score":0.1761586219072342},{"text":"Amazing. Perfect.","start_word":651,"end_word":652,"sentiment":"positive","sentiment_score":0.602257490158081},{"text":"Alright.","start_word":653,"end_word":653,"sentiment":"neutral","sentiment_score":0.32396048307418823},{"text":"Cool.","start_word":654,"end_word":654,"sentiment":"positive","sentiment_score":0.35474714636802673},{"text":"I will get cracking with that, and and then we can touch base. Jack sorry. I was, like, I was having a late lunch, and I was kind of he called me, and I was running back into the office. Yeah. Said Yeah. you were going away or unavailable for a little bit of time? No. So I'm available after 04:00 Mondays and Wednesdays. Cool. Obviously, with my working hours and the slight time difference, I start work at seven. So before work Yeah. just isn't an option. And I go to the gym on Tuesdays and Thursdays Okay. after So work Mondays straight and Wednesdays after are work. the best So day to call you after four. Yes. Yep. Yep. Perfect. No. That's okay. I think it was just with your like, with your time frames and my time frames then that this Yep. was the Yeah. only They day that they would clash work. a little Because bit. he called Yep. me. He's like, where are you? I was like, eating lunch in the sun. Oh my goodness. I'm so sorry. No. It's okay. He's like, Claire wants to call in, like, fifteen minutes. I was like, yeah. That's okay. I'll be back by then. Just give me a minute. I can tell I was just soaking up the vitamin d and just enjoying them. the overall weather because it you know, Yeah. this morning As you was do. cloudy and gross. Oh, awesome. But perfect. No. I will go back to one path and push, and I will get you an answer. Okay? Yep.","start_word":655,"end_word":921,"sentiment":"neutral","sentiment_score":0.012384327265873468},{"text":"No worries. Thank you very much. That's okay, Claire. Thanks for having a chat. Okay. All good. Thanks, Anne. Bye.","start_word":922,"end_word":941,"sentiment":"positive","sentiment_score":0.635442852973938},{"text":"Alright. Bye.","start_word":942,"end_word":943,"sentiment":"neutral","sentiment_score":0.2259415239095688}],"average":{"sentiment":"neutral","sentiment_score":0.008408952551134398}}}}