{"metadata":{"transaction_key":"deprecated","request_id":"019f8c52-aeb8-73a0-935d-7dae58a231ec","sha256":"28dce67eaad2ee394a9ebf7d83cc48b21b6fac6d459d2ac0fd736ba37545fee3","created":"2026-07-23T00:14:18.414Z","duration":480.59995,"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":1557,"output_tokens":65},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1753,"output_tokens":1757},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1753,"output_tokens":105}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. So this is. It's Larissa from Oakview Financial. How are you going? Really good for the morning. Can't complain. Thursday morning. It's nice and sunny. Before we jump into it, I do need to, as always, let you know that our calls are recorded. And if I could just quickly get you confirmed security, it's your full name, date of birth, and address for me. Just just for security, just full name, date of birth, and address. Perfect. Thanks for that. Okay. So you got my email. Did you have any you you obviously had questions on the back of that? No. You're okay. No. Absolutely not a problem. Yes. Still here. Yeah. That's okay. Absolutely. That's no. So that's each year's premium for just that life policy, and then the two PD premium and RP premium. And then I put in, like, the total gross premium that would be charged for that year. And then because it's a super paid policy, you have a 15% rebate that's applicable. So the net premium, which is what I've got involved. And then what I did was I then added each of the premiums together across the year. So as you roll through each of those rows, I've added sort of, like, the previous year plus that year, previous years plus that year type of thing. So that way, cumulatively, you can see how it works. The net premium is ultimately what you get charged, but I left this gross and the the the gross premiums in there just so you could sort of see from that perspective. Because it's still important for you to see that. It's just not what comes out of the account. It's what the gross premium is before tax rebate. Yes. If this policy yeah. So if this policy remained in force for the entire ten years and it wasn't altered, it wasn't changed, it wasn't decreased, canceled, whatever the case may be, then across the ten years, that's what you would pay. Yep. Yes. Yes. Yeah. Like, you could you can cancel at any point in time. Like, the policy is not enforced yet because of your concerns. I I didn't press submit on the policy. I I I got Jack to hold off just until I spoke with you to get your, like, consent to either go ahead or whatever the case may be. And and and as I said in my email, the whole point of the policy is we would review it annually as your debt get paid down, as your lifestyle changes, as we, you know, as you self insure, we want we wanna get to the point of not having to have the cover. It's there right now as a risk mitigation. So if anything does happen to you, your family are gonna be okay. But, ultimately speaking, as we get older and as we accumulate wealth, we shouldn't need an insurance policy because our wealth should be enough to ultimately, hopefully, cover everything off. Yes. Yep. Yeah. Yeah. Definitely, we'll review it. Like, we do an annual review, and, I mean, without jumping into your file too deeply. Let me have a quick look. I'm just having a look at whether we have you set up for, like, quarterly contact or anything like that. Did you did you want us to give you a call more frequently sort of, like, every yeah. Absolutely. Yeah. Perfect. So what I'll make sure that that's all set up. I'm just Internet's slow today. But I'll I'll make sure that that's all set up in your system for us to give you call quarterly. And then otherwise, yeah, we'll we review it annually, but we can give you updates and touch base with you shortly. The policy? No. Once it's once it's accepted, it'll go in it'll pretty much go into place. So it's just the policy will get accepted, and then you will you will I don't believe so, but I'd have to check with Jack. But I don't believe there's anything pending for it. I'll just have a quick look at his notes. Yeah. No. That that's okay. I'll email you if there is anything, but I'm having a look now. It doesn't look like there is anything. It's it's just a a matter of the the the premiums need to be reduct deducted. And once the premiums are deducted, the policy in place. And then we can finalize the consolidation of your other super fund and and deal with the sort of last last couple of administrative things, and I'll make sure that Jack emails through to you. And and then from there, yeah, we'll give you a call quarterly. And, of course, if you have any questions, you can email in either to myself or to our info line, probably the most appropriate place. So info@folkfoodfinancial.com.au. Because that way, if I'm away, the team can make sure that you get have a response. No. That's okay. Any time at all. If you have any questions moving forward, please do let me know. Yeah. That's okay. 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So this is. It's Larissa from Oakview Financial. How are you going? Really good for the morning.\n\nCan't complain. Thursday morning. It's nice and sunny. Before we jump into it, I do need to, as always, let you know that our calls are recorded. And if I could just quickly get you confirmed security, it's your full name, date of birth, and address for me.\n\nJust just for security, just full name, date of birth, and address. Perfect. Thanks for that. Okay. So you got my email.\n\nDid you have any you you obviously had questions on the back of that? No. You're okay. No. Absolutely not a problem.\n\nYes. Still here. Yeah. That's okay. Absolutely.\n\nThat's no. So that's each year's premium for just that life policy, and then the two PD premium and RP premium. And then I put in, like, the total gross premium that would be charged for that year. And then because it's a super paid policy, you have a 15% rebate that's applicable. So the net premium, which is what I've got involved.\n\nAnd then what I did was I then added each of the premiums together across the year. So as you roll through each of those rows, I've added sort of, like, the previous year plus that year, previous years plus that year type of thing. So that way, cumulatively, you can see how it works. The net premium is ultimately what you get charged, but I left this gross and the the the gross premiums in there just so you could sort of see from that perspective. Because it's still important for you to see that.\n\nIt's just not what comes out of the account. It's what the gross premium is before tax rebate. Yes. If this policy yeah. So if this policy remained in force for the entire ten years and it wasn't altered, it wasn't changed, it wasn't decreased, canceled, whatever the case may be, then across the ten years, that's what you would pay.\n\nYep. Yes. Yes. Yeah. Like, you could you can cancel at any point in time.\n\nLike, the policy is not enforced yet because of your concerns. I I didn't press submit on the policy. I I I got Jack to hold off just until I spoke with you to get your, like, consent to either go ahead or whatever the case may be. And and and as I said in my email, the whole point of the policy is we would review it annually as your debt get paid down, as your lifestyle changes, as we, you know, as you self insure, we want we wanna get to the point of not having to have the cover. It's there right now as a risk mitigation.\n\nSo if anything does happen to you, your family are gonna be okay. But, ultimately speaking, as we get older and as we accumulate wealth, we shouldn't need an insurance policy because our wealth should be enough to ultimately, hopefully, cover everything off. Yes. Yep. Yeah.\n\nYeah. Definitely, we'll review it. Like, we do an annual review, and, I mean, without jumping into your file too deeply. Let me have a quick look. I'm just having a look at whether we have you set up for, like, quarterly contact or anything like that.\n\nDid you did you want us to give you a call more frequently sort of, like, every yeah. Absolutely. Yeah. Perfect. So what I'll make sure that that's all set up.\n\nI'm just Internet's slow today. But I'll I'll make sure that that's all set up in your system for us to give you call quarterly. And then otherwise, yeah, we'll we review it annually, but we can give you updates and touch base with you shortly. The policy? No.\n\nOnce it's once it's accepted, it'll go in it'll pretty much go into place. So it's just the policy will get accepted, and then you will you will I don't believe so, but I'd have to check with Jack. But I don't believe there's anything pending for it. I'll just have a quick look at his notes. Yeah.\n\nNo. That that's okay. I'll email you if there is anything, but I'm having a look now. It doesn't look like there is anything. It's it's just a a matter of the the the premiums need to be reduct deducted.\n\nAnd once the premiums are deducted, the policy in place. And then we can finalize the consolidation of your other super fund and and deal with the sort of last last couple of administrative things, and I'll make sure that Jack emails through to you. And and then from there, yeah, we'll give you a call quarterly. And, of course, if you have any questions, you can email in either to myself or to our info line, probably the most appropriate place. So info@folkfoodfinancial.com.au.\n\nBecause that way, if I'm away, the team can make sure that you get have a response. No. That's okay. Any time at all. If you have any questions moving forward, please do let me know.\n\nYeah. That's okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.6799998,"end":4.0,"sentiment":"neutral","sentiment_score":0.06944628059864044},{"text":"So this is.","start":4.0,"end":4.88,"sentiment":"neutral","sentiment_score":0.09208108981450398},{"text":"It's Larissa from Oakview Financial.","start":4.88,"end":6.48,"sentiment":"neutral","sentiment_score":0.12294153422117234},{"text":"How are you going?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1729201190173626},{"text":"Really good for the morning.","start":9.599999,"end":10.88,"sentiment":"positive","sentiment_score":0.648670756816864}],"sentiment":"neutral","sentiment_score":0.27196841562787694,"num_words":18,"start":3.6799998,"end":10.88},{"sentences":[{"text":"Can't complain.","start":10.88,"end":11.599999,"sentiment":"positive","sentiment_score":0.3771664500236511},{"text":"Thursday morning.","start":11.599999,"end":12.24,"sentiment":"neutral","sentiment_score":0.31494955718517303},{"text":"It's nice and 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no.","start":165.535,"end":166.495,"sentiment":"neutral","sentiment_score":-0.12475854158401489},{"text":"So that's each year's premium for just that life policy, and then the two PD premium and RP premium.","start":166.495,"end":173.2,"sentiment":"neutral","sentiment_score":-0.022246917513640302},{"text":"And then I put in, like, the total gross premium that would be charged for that year.","start":173.5,"end":178.08,"sentiment":"neutral","sentiment_score":0.07989856622674886},{"text":"And then because it's a super paid policy, you have a 15% rebate that's applicable.","start":178.62,"end":183.44,"sentiment":"neutral","sentiment_score":0.1774021784464518},{"text":"So the net premium, which is what I've got involved.","start":183.955,"end":186.375,"sentiment":"neutral","sentiment_score":0.15519312918186187}],"sentiment":"neutral","sentiment_score":0.07776239807052272,"num_words":63,"start":165.535,"end":186.375},{"sentences":[{"text":"And then what I did was I then added each of the premiums together across the year.","start":186.755,"end":191.075,"sentiment":"neutral","sentiment_score":0.15151900666601517},{"text":"So as you roll through each of those rows, I've added sort of, like, the previous year plus that year, previous years plus that year type of thing.","start":191.075,"end":200.05,"sentiment":"neutral","sentiment_score":0.081451843891825},{"text":"So that way, cumulatively, you can see how it works.","start":200.05,"end":203.11,"sentiment":"neutral","sentiment_score":0.23211977183818816},{"text":"The net premium is ultimately what you get charged, but I left this gross and the the the gross premiums in there just so you could sort of see from that perspective.","start":203.73,"end":211.59,"sentiment":"neutral","sentiment_score":0.18194496119394898},{"text":"Because it's still important for you to see that.","start":211.97,"end":213.83,"sentiment":"neutral","sentiment_score":0.12487210498915778}],"sentiment":"neutral","sentiment_score":0.14712250170608362,"num_words":96,"start":186.755,"end":213.83},{"sentences":[{"text":"It's just not what comes out of the account.","start":214.26501,"end":216.505,"sentiment":"neutral","sentiment_score":-0.009800897031608555},{"text":"It's what the gross premium is before tax rebate.","start":216.505,"end":220.205,"sentiment":"neutral","sentiment_score":0.0660591796040535},{"text":"Yes.","start":230.15001,"end":230.65001,"sentiment":"neutral","sentiment_score":0.08421199768781662},{"text":"If this policy yeah.","start":233.35,"end":234.95001,"sentiment":"neutral","sentiment_score":0.022047333419322968},{"text":"So if this policy remained in force for the entire ten years and it wasn't altered, it wasn't changed, it wasn't decreased, canceled, whatever the case may be, then across the ten years, that's what you would pay.","start":234.95001,"end":245.745,"sentiment":"neutral","sentiment_score":0.02144117462203691}],"sentiment":"neutral","sentiment_score":0.024483450986139597,"num_words":61,"start":214.26501,"end":245.745},{"sentences":[{"text":"Yep.","start":257.54,"end":258.04,"sentiment":"neutral","sentiment_score":0.046299248933792114},{"text":"Yes.","start":259.22,"end":259.72,"sentiment":"neutral","sentiment_score":0.09025952219963074},{"text":"Yes.","start":270.725,"end":271.045,"sentiment":"neutral","sentiment_score":0.0824175477027893},{"text":"Yeah.","start":271.045,"end":271.525,"sentiment":"neutral","sentiment_score":0.06021543964743614},{"text":"Like, you could you can cancel at any point in time.","start":271.525,"end":273.685,"sentiment":"neutral","sentiment_score":0.007460791956294666}],"sentiment":"neutral","sentiment_score":0.024084031333525976,"num_words":15,"start":257.54,"end":273.685},{"sentences":[{"text":"Like, the policy is not enforced yet because of your concerns.","start":273.685,"end":277.225,"sentiment":"neutral","sentiment_score":-0.2556467896158045},{"text":"I I didn't press submit on the policy.","start":277.285,"end":280.48502,"sentiment":"neutral","sentiment_score":-0.22182593867182732},{"text":"I I I got Jack to hold off just until I spoke with you to get your, like, consent to either go ahead or whatever the case may be.","start":280.48502,"end":289.78,"sentiment":"neutral","sentiment_score":-0.0025751102587272382},{"text":"And and and as I said in my email, the whole point of the policy is we would review it annually as your debt get paid down, as your lifestyle changes, as we, you know, as you self insure, we want we wanna get to the point of not having to have the cover.","start":291.04,"end":306.00497,"sentiment":"neutral","sentiment_score":0.0882399934861395},{"text":"It's there right now as a risk mitigation.","start":306.705,"end":308.645,"sentiment":"neutral","sentiment_score":0.050418860744684935}],"sentiment":"neutral","sentiment_score":0.004608274014158683,"num_words":110,"start":273.685,"end":308.645},{"sentences":[{"text":"So if anything does happen to you, your family are gonna be okay.","start":308.865,"end":313.28497,"sentiment":"neutral","sentiment_score":0.08996474728561364},{"text":"But, ultimately speaking, as we get older and as we accumulate wealth, we shouldn't need an insurance policy because our wealth should be enough to ultimately, hopefully, cover everything off.","start":313.96,"end":326.54,"sentiment":"neutral","sentiment_score":-0.14253922974069913},{"text":"Yes.","start":327.825,"end":328.325,"sentiment":"neutral","sentiment_score":0.16054467856884003},{"text":"Yep.","start":336.065,"end":336.565,"sentiment":"neutral","sentiment_score":0.18957754969596863},{"text":"Yeah.","start":338.625,"end":338.945,"sentiment":"neutral","sentiment_score":0.16196468472480774}],"sentiment":"neutral","sentiment_score":-0.056403223141703915,"num_words":46,"start":308.865,"end":338.945},{"sentences":[{"text":"Yeah.","start":338.945,"end":339.445,"sentiment":"neutral","sentiment_score":0.1876007169485092},{"text":"Definitely, we'll review it.","start":339.905,"end":340.945,"sentiment":"neutral","sentiment_score":0.31800658255815506},{"text":"Like, we do an annual review, and, I mean, without jumping into your file too deeply.","start":340.945,"end":346.72,"sentiment":"neutral","sentiment_score":0.13651884300634265},{"text":"Let me have a quick look.","start":347.81998,"end":349.12,"sentiment":"neutral","sentiment_score":0.09115805228551228},{"text":"I'm just having a look at whether we have you set up for, like, quarterly contact or anything like that.","start":350.53998,"end":355.58,"sentiment":"neutral","sentiment_score":0.08821480423212051}],"sentiment":"neutral","sentiment_score":0.1267058070986829,"num_words":47,"start":338.945,"end":355.58},{"sentences":[{"text":"Did you did you want us to give you a call more frequently sort of, like, every yeah.","start":355.58,"end":363.395,"sentiment":"neutral","sentiment_score":0.06370278810047442},{"text":"Absolutely.","start":363.395,"end":363.895,"sentiment":"positive","sentiment_score":0.44760841131210327},{"text":"Yeah.","start":364.275,"end":364.595,"sentiment":"positive","sentiment_score":0.3858969807624817},{"text":"Perfect.","start":364.595,"end":364.915,"sentiment":"positive","sentiment_score":0.5608119964599609},{"text":"So what I'll make sure that that's all set up.","start":364.915,"end":366.915,"sentiment":"neutral","sentiment_score":0.16987394243478776}],"sentiment":"neutral","sentiment_score":0.13676474189325685,"num_words":31,"start":355.58,"end":366.915},{"sentences":[{"text":"I'm just Internet's slow today.","start":366.915,"end":369.175,"sentiment":"neutral","sentiment_score":-0.2675843358039856},{"text":"But I'll I'll make sure that that's all set up in your system for us to give you call quarterly.","start":369.955,"end":373.72,"sentiment":"neutral","sentiment_score":0.166659476980567},{"text":"And then otherwise, yeah, we'll we review it annually, but we can give you updates and touch base with you shortly.","start":373.72,"end":379.18,"sentiment":"neutral","sentiment_score":0.16967938343683878},{"text":"The 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deducted.","start":425.665,"end":430.48502,"sentiment":"neutral","sentiment_score":0.09731163689866662}],"sentiment":"neutral","sentiment_score":0.03313353233970702,"num_words":40,"start":420.385,"end":430.48502},{"sentences":[{"text":"And once the premiums are deducted, the policy in place.","start":431.93,"end":435.69,"sentiment":"neutral","sentiment_score":0.16765060424804687},{"text":"And then we can finalize the consolidation of your other super fund and and deal with the sort of last last couple of administrative things, and I'll make sure that Jack emails through to you.","start":435.69,"end":449.025,"sentiment":"neutral","sentiment_score":0.1647470427410943},{"text":"And and then from there, yeah, we'll give you a call quarterly.","start":449.245,"end":453.005,"sentiment":"neutral","sentiment_score":0.20887066796422005},{"text":"And, of course, if you have any questions, you can email in either to myself or to our info line, probably the most appropriate 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Good. Thank you. How are you? Mhmm. What what what would you need? Address then? K. Sudarshan Kanaswabadi. May 9 Centre. Yes. Yeah. Just give me a second. I just had had a look at it. Just give me a second. I'm just I'm just on the mobile, so I just have to just quickly scroll through the email. Just give me a second. Alexa, you're there? Okay. Just give me a second. I'm I'm gonna put put this one on to speak up on if you don't mind. Okay. Cool. Now I just wanted to see how if because I can't actually compare this one because this one is a life premium on both of them, but what we're looking at? Yep. Life premium is sixty five years old. At ten years, $5,701 and 0. Is that is that the total premium that we'll be paying at ten years? Yeah. That's correct. I'm yeah. Mhmm. Mhmm. Mhmm. Okay. Right. So when on the last column of it, it says net cumulative premium. When I say 67,000 at the end of ten year, is that the total amount that I would be paying? Mhmm. Yeah. Okay. Yeah. Right. Okay. So looking at looking at five years and six years, that's a big jump, isn't it? Alright. Okay. Right. But then this can be discontinued at any time, isn't it? Mhmm. Yeah. Yeah. Yeah. Okay. Yeah. Okay. Mhmm. Okay. Yeah. Yeah. Okay. Alright. So be without much ado, just go ahead and go ahead and and, okay, start the policy. So and then we will review it in a year. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Just just give me quickly. That that will be fine. Thank you. Yeah. So that that that is there a waiting period for this one to kick in? Yeah. Yeah. Yeah. Do I need to do any any paperwork on this one again? No? Yeah. If anything happens during, I can't do much about it. I have to just you had to wait until 04:00 or 04:30 to sign and send it to you. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Thanks, Alicia. Thank you. No worries. Thank you. 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Good. Thank you. How are you? Mhmm.\n\nWhat what what would you need? Address then? K. Sudarshan Kanaswabadi. May 9 Centre.\n\nYes. Yeah. Just give me a second. I just had had a look at it. Just give me a second.\n\nI'm just I'm just on the mobile, so I just have to just quickly scroll through the email. Just give me a second. Alexa, you're there? Okay. Just give me a second.\n\nI'm I'm gonna put put this one on to speak up on if you don't mind. Okay. Cool. Now I just wanted to see how if because I can't actually compare this one because this one is a life premium on both of them, but what we're looking at? Yep.\n\nLife premium is sixty five years old. At ten years, $5,701 and 0. Is that is that the total premium that we'll be paying at ten years? Yeah. That's correct.\n\nI'm yeah. Mhmm. Mhmm. Mhmm. Okay.\n\nRight. So when on the last column of it, it says net cumulative premium. When I say 67,000 at the end of ten year, is that the total amount that I would be paying? Mhmm. Yeah.\n\nOkay. Yeah. Right. Okay. So looking at looking at five years and six years, that's a big jump, isn't it?\n\nAlright. Okay. Right. But then this can be discontinued at any time, isn't it? Mhmm.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nOkay. Mhmm. Okay. Yeah. Yeah.\n\nOkay. Alright. So be without much ado, just go ahead and go ahead and and, okay, start the policy. So and then we will review it in a year. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nJust just give me quickly. That that will be fine. Thank you. Yeah. So that that that is there a waiting period for this one to kick in?\n\nYeah. Yeah. Yeah. Do I need to do any any paperwork on this one again? No?\n\nYeah. If anything happens during, I can't do much about it. I have to just you had to wait until 04:00 or 04:30 to sign and send it to you. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Thanks, Alicia. Thank you. No worries.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.1599998,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.01710398867726326},{"text":"Good.","start":7.6,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5611459612846375},{"text":"Thank you.","start":7.8399997,"end":8.559999,"sentiment":"positive","sentiment_score":0.609942615032196},{"text":"How are you?","start":8.559999,"end":9.38,"sentiment":"neutral","sentiment_score":0.3247274061044057},{"text":"Mhmm.","start":24.005,"end":24.505,"sentiment":"neutral","sentiment_score":-0.0020645982585847378}],"sentiment":"positive","sentiment_score":0.34628160001011565,"num_words":8,"start":2.1599998,"end":24.505},{"sentences":[{"text":"What what what would you need?","start":24.884998,"end":26.564999,"sentiment":"neutral","sentiment_score":-0.010178548749536276},{"text":"Address 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yeah.","start":171.04,"end":174.45999,"sentiment":"neutral","sentiment_score":0.03469875082373619},{"text":"Mhmm.","start":178.76,"end":179.26,"sentiment":"neutral","sentiment_score":0.10178913176059724},{"text":"Mhmm.","start":184.185,"end":184.685,"sentiment":"neutral","sentiment_score":0.13165107369422913},{"text":"Mhmm.","start":195.22,"end":195.72,"sentiment":"neutral","sentiment_score":0.059182483702898026},{"text":"Okay.","start":199.45999,"end":199.95999,"sentiment":"neutral","sentiment_score":0.07919640839099884}],"sentiment":"neutral","sentiment_score":0.0735360998660326,"num_words":6,"start":171.04,"end":199.95999},{"sentences":[{"text":"Right.","start":204.02,"end":204.52,"sentiment":"neutral","sentiment_score":0.16527870297431946},{"text":"So when on the last column of it, it says net cumulative premium.","start":220.83499,"end":225.31999,"sentiment":"neutral","sentiment_score":0.09093527553173211},{"text":"When I say 67,000 at the end of ten year, is that the total amount that I would be paying?","start":226.42,"end":232.59999,"sentiment":"neutral","sentiment_score":0.08567687440663577},{"text":"Mhmm.","start":237.975,"end":238.475,"sentiment":"neutral","sentiment_score":0.028755446895956993},{"text":"Yeah.","start":241.015,"end":241.515,"sentiment":"neutral","sentiment_score":-0.03687082603573799}],"sentiment":"neutral","sentiment_score":0.08480164982999365,"num_words":36,"start":204.02,"end":241.515},{"sentences":[{"text":"Okay.","start":242.215,"end":242.715,"sentiment":"neutral","sentiment_score":-0.009911032393574716},{"text":"Yeah.","start":243.575,"end":244.075,"sentiment":"neutral","sentiment_score":0.05875740200281143},{"text":"Right.","start":245.975,"end":246.475,"sentiment":"neutral","sentiment_score":0.07750822603702545},{"text":"Okay.","start":247.015,"end":247.515,"sentiment":"neutral","sentiment_score":0.05405718088150024},{"text":"So looking at looking at five years and six years, that's a big jump, isn't it?","start":247.88,"end":258.46,"sentiment":"neutral","sentiment_score":0.051512048579752445}],"sentiment":"neutral","sentiment_score":0.050230227690190074,"num_words":20,"start":242.215,"end":258.46},{"sentences":[{"text":"Alright.","start":261.265,"end":261.765,"sentiment":"neutral","sentiment_score":0.1034182757139206},{"text":"Okay.","start":263.42502,"end":263.92502,"sentiment":"neutral","sentiment_score":0.09851223230361938},{"text":"Right.","start":266.945,"end":267.185,"sentiment":"neutral","sentiment_score":0.07219812273979187},{"text":"But then this can be discontinued at any time, isn't it?","start":267.185,"end":270.245,"sentiment":"neutral","sentiment_score":-0.05878594145178795},{"text":"Mhmm.","start":281.9,"end":282.4,"sentiment":"neutral","sentiment_score":-0.01845565438270569}],"sentiment":"neutral","sentiment_score":-0.026064825306336085,"num_words":15,"start":261.265,"end":282.4},{"sentences":[{"text":"Yeah.","start":282.46,"end":282.96,"sentiment":"neutral","sentiment_score":0.003742685541510582},{"text":"Yeah.","start":285.42,"end":285.92,"sentiment":"neutral","sentiment_score":0.0025654789060354233},{"text":"Yeah.","start":288.775,"end":289.01498,"sentiment":"neutral","sentiment_score":0.004439407028257847},{"text":"Okay.","start":289.01498,"end":289.51498,"sentiment":"neutral","sentiment_score":0.03987563401460648},{"text":"Yeah.","start":289.97498,"end":290.47498,"sentiment":"neutral","sentiment_score":0.08130518347024918}],"sentiment":"neutral","sentiment_score":0.0263856777921319,"num_words":5,"start":282.46,"end":290.47498},{"sentences":[{"text":"Okay.","start":296.375,"end":296.875,"sentiment":"neutral","sentiment_score":0.061967868357896805},{"text":"Mhmm.","start":300.455,"end":300.9,"sentiment":"neutral","sentiment_score":0.038312703371047974},{"text":"Okay.","start":306.41998,"end":306.91998,"sentiment":"neutral","sentiment_score":0.07259926199913025},{"text":"Yeah.","start":309.13998,"end":309.63998,"sentiment":"neutral","sentiment_score":0.04348726198077202},{"text":"Yeah.","start":313.69998,"end":314.175,"sentiment":"neutral","sentiment_score":0.025707531720399857}],"sentiment":"neutral","sentiment_score":0.04841492548584938,"num_words":5,"start":296.375,"end":314.175},{"sentences":[{"text":"Okay.","start":326.97498,"end":327.47498,"sentiment":"neutral","sentiment_score":0.11098099499940872},{"text":"Alright.","start":327.85498,"end":328.35498,"sentiment":"neutral","sentiment_score":0.22712241113185885},{"text":"So be without much ado, just go ahead and go ahead and and, okay, start the policy.","start":328.71,"end":335.37,"sentiment":"neutral","sentiment_score":0.27149181944482464},{"text":"So and then we will review it in a year.","start":335.83,"end":338.17,"sentiment":"neutral","sentiment_score":0.17129975259304048},{"text":"Yeah.","start":347.345,"end":347.845,"sentiment":"neutral","sentiment_score":0.11761492490768433}],"sentiment":"neutral","sentiment_score":0.22613589291771252,"num_words":30,"start":326.97498,"end":347.845},{"sentences":[{"text":"Yeah.","start":357.71002,"end":357.95,"sentiment":"neutral","sentiment_score":0.08036142587661743},{"text":"Yeah.","start":357.95,"end":358.19,"sentiment":"neutral","sentiment_score":0.055738143622875214},{"text":"Yeah.","start":358.19,"end":358.43002,"sentiment":"neutral","sentiment_score":0.04354572668671608},{"text":"Yeah.","start":358.43002,"end":358.67,"sentiment":"neutral","sentiment_score":0.03618748113512993},{"text":"Yeah.","start":358.67,"end":359.17,"sentiment":"neutral","sentiment_score":0.03742139786481857}],"sentiment":"neutral","sentiment_score":0.050650835037231445,"num_words":5,"start":357.71002,"end":359.17},{"sentences":[{"text":"Just just give me quickly.","start":359.31003,"end":360.75,"sentiment":"neutral","sentiment_score":0.08423480913043022},{"text":"That that will be fine.","start":360.75,"end":361.79,"sentiment":"neutral","sentiment_score":0.2903995156288147},{"text":"Thank you.","start":361.79,"end":362.45,"sentiment":"positive","sentiment_score":0.5800896286964417},{"text":"Yeah.","start":369.39,"end":369.89,"sentiment":"neutral","sentiment_score":-0.018611907958984375},{"text":"So that that that is there a waiting period for this one to kick in?","start":377.975,"end":381.835,"sentiment":"neutral","sentiment_score":0.04600257600347201}],"sentiment":"neutral","sentiment_score":0.13231348618865013,"num_words":28,"start":359.31003,"end":381.835},{"sentences":[{"text":"Yeah.","start":383.815,"end":384.12,"sentiment":"neutral","sentiment_score":0.1460123211145401},{"text":"Yeah.","start":387.32,"end":387.82,"sentiment":"neutral","sentiment_score":0.2726880609989166},{"text":"Yeah.","start":389.16,"end":389.66,"sentiment":"neutral","sentiment_score":0.15744075179100037},{"text":"Do I need to do any any paperwork on this one again?","start":395.0,"end":398.945,"sentiment":"neutral","sentiment_score":0.017759564487884443},{"text":"No?","start":402.60498,"end":403.005,"sentiment":"neutral","sentiment_score":-0.0939994901418686}],"sentiment":"neutral","sentiment_score":0.04345352610107511,"num_words":16,"start":383.815,"end":403.005},{"sentences":[{"text":"Yeah.","start":403.005,"end":403.505,"sentiment":"neutral","sentiment_score":-0.07511287927627563},{"text":"If anything happens during, I can't do much about it.","start":408.04498,"end":413.94,"sentiment":"neutral","sentiment_score":-0.20671660117805005},{"text":"I have to just you had to wait until 04:00 or 04:30 to sign and send it to you.","start":413.94,"end":419.87997,"sentiment":"neutral","sentiment_score":-0.13172060408090291},{"text":"Yeah.","start":425.46,"end":425.94,"sentiment":"neutral","sentiment_score":0.06993970274925232},{"text":"Yeah.","start":425.94,"end":426.135,"sentiment":"neutral","sentiment_score":0.11591370403766632}],"sentiment":"neutral","sentiment_score":-0.13934740505646914,"num_words":32,"start":403.005,"end":426.135},{"sentences":[{"text":"Yeah.","start":431.17502,"end":431.67502,"sentiment":"neutral","sentiment_score":0.14866715669631958},{"text":"Yeah.","start":435.495,"end":435.995,"sentiment":"neutral","sentiment_score":0.15323525667190552},{"text":"Yeah.","start":439.975,"end":440.475,"sentiment":"neutral","sentiment_score":0.12524542212486267},{"text":"Yeah.","start":446.97998,"end":447.47998,"sentiment":"neutral","sentiment_score":0.1835918724536896},{"text":"Yeah.","start":448.9,"end":449.4,"sentiment":"neutral","sentiment_score":0.19048431515693665}],"sentiment":"neutral","sentiment_score":0.1602448046207428,"num_words":5,"start":431.17502,"end":449.4},{"sentences":[{"text":"Yeah.","start":460.595,"end":461.095,"sentiment":"neutral","sentiment_score":0.09840480238199234},{"text":"Yeah.","start":462.595,"end":463.095,"sentiment":"neutral","sentiment_score":0.12278278172016144},{"text":"Thanks, Alicia.","start":467.81998,"end":468.56,"sentiment":"positive","sentiment_score":0.5429230034351349},{"text":"Thank you.","start":468.62,"end":469.36,"sentiment":"positive","sentiment_score":0.521963894367218},{"text":"No worries.","start":475.09998,"end":475.58,"sentiment":"positive","sentiment_score":0.38264402747154236}],"sentiment":"positive","sentiment_score":0.38953117933124304,"num_words":8,"start":460.595,"end":475.58},{"sentences":[{"text":"Thank you.","start":475.58,"end":475.97998,"sentiment":"positive","sentiment_score":0.741965651512146},{"text":"Bye.","start":475.97998,"end":476.47998,"sentiment":"positive","sentiment_score":0.4567126035690307}],"sentiment":"positive","sentiment_score":0.6468813021977743,"num_words":3,"start":475.58,"end":476.47998}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. So this is. It's Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Really good for the morning. Can't complain. Thursday morning. It's nice and sunny. Before we jump into it, I do need to, as always, let you know that our calls are recorded.\n\nAnd if I could just quickly get you confirmed security, it's your full name, date of birth, and address for me.\n\nChannel 1: Mhmm. What what what would you need? Address then?\n\nChannel 0: Just just for security, just full name, date of birth, and address.\n\nChannel 1: K. Sudarshan Kanaswabadi. May 9\n\nChannel 0: Perfect. Thanks for that.\n\nChannel 1: Centre.\n\nChannel 0: Okay. So you got my email. Did you have any you you obviously had questions on the back of that?\n\nChannel 1: Yes. Yeah. Just give me a second. I\n\nChannel 0: No.\n\nChannel 1: just had\n\nChannel 0: You're\n\nChannel 1: had\n\nChannel 0: okay.\n\nChannel 1: a look at it. Just give me a second. I'm just I'm just on the mobile, so I just have to just quickly scroll through the email. Just give me a second.\n\nChannel 0: No. Absolutely not a problem.\n\nChannel 1: Alexa, you're there?\n\nChannel 0: Yes. Still here.\n\nChannel 1: Okay. Just give me a second. I'm I'm gonna put put this one on to speak up on if you don't mind.\n\nChannel 0: Yeah. That's okay. Absolutely.\n\nChannel 1: Okay. Cool. Now I just wanted to see how if because I can't actually compare this one because this one is a life premium on both of them, but what we're looking at? Yep. Life premium is sixty five years old.\n\nAt ten years, $5,701 and 0. Is that is that the total premium that we'll be paying at ten years?\n\nChannel 0: That's no. So that's each year's premium for just that life policy,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: That's\n\nChannel 0: then the\n\nChannel 1: correct.\n\nChannel 0: two\n\nChannel 1: I'm\n\nChannel 0: PD premium and RP premium. And then I\n\nChannel 1: yeah.\n\nChannel 0: put in, like, the total gross premium that would be charged for that year. And\n\nChannel 1: Mhmm.\n\nChannel 0: then because it's a super paid policy, you have a 15% rebate that's applicable. So\n\nChannel 1: Mhmm.\n\nChannel 0: the net premium, which is what I've got involved. And then what I did was I then added each of the premiums together across the year. So as you roll through each of those rows, I've\n\nChannel 1: Mhmm.\n\nChannel 0: added sort of, like, the previous year plus that year, previous years plus that year\n\nChannel 1: Okay.\n\nChannel 0: type of thing. So that way, cumulatively, you can see how it works. The net\n\nChannel 1: Right.\n\nChannel 0: premium is ultimately what you get charged, but I left this gross and the the the gross premiums in there just so you could sort of see from that perspective. Because it's still important for you to see that. It's just not what comes out of the account. It's what the gross premium is before tax rebate.\n\nChannel 1: So when on the last column of it, it says net cumulative premium. When I say 67,000 at the end of ten year, is\n\nChannel 0: Yes.\n\nChannel 1: that the total amount that I would be paying?\n\nChannel 0: If this policy yeah. So if this policy remained in force for the entire ten years\n\nChannel 1: Mhmm.\n\nChannel 0: and it wasn't altered, it wasn't changed, it wasn't decreased,\n\nChannel 1: Yeah.\n\nChannel 0: canceled,\n\nChannel 1: Okay.\n\nChannel 0: whatever the case may be,\n\nChannel 1: Yeah.\n\nChannel 0: then across the ten years, that's what you would pay.\n\nChannel 1: Right. Okay. So looking at looking at five years and six years, that's a big jump,\n\nChannel 0: Yep.\n\nChannel 1: isn't it?\n\nChannel 0: Yes.\n\nChannel 1: Alright. Okay. Right. But then this can be discontinued at any time, isn't it?\n\nChannel 0: Yes. Yeah. Like, you could you can cancel at any point in time. Like, the policy is not enforced yet because of your concerns. I I didn't press submit on the policy.\n\nI I I got Jack to hold off\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: just until I spoke with you to get\n\nChannel 1: Yeah.\n\nChannel 0: your, like, consent to either go ahead or whatever the\n\nChannel 1: Yeah.\n\nChannel 0: case\n\nChannel 1: Okay.\n\nChannel 0: may be.\n\nChannel 1: Yeah.\n\nChannel 0: And and and as I said in my email, the whole point of the policy is we would review it annually as\n\nChannel 1: Okay.\n\nChannel 0: your debt get paid down, as your lifestyle changes, as we,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, as you self insure, we want we wanna get to the point of not having to have the cover.\n\nChannel 1: Okay.\n\nChannel 0: It's there right now as a risk mitigation. So if\n\nChannel 1: Yeah.\n\nChannel 0: anything does happen to you, your family are gonna be okay.\n\nChannel 1: Yeah.\n\nChannel 0: But, ultimately speaking, as we get older and as we accumulate wealth, we shouldn't need an insurance policy because our wealth should be enough to ultimately, hopefully, cover everything off.\n\nChannel 1: Okay.\n\nChannel 0: Yes.\n\nChannel 1: Alright. So be without much ado, just go ahead and go ahead and and, okay, start the policy. So\n\nChannel 0: Yep.\n\nChannel 1: and then we will review it in a year.\n\nChannel 0: Yeah. Yeah. Definitely, we'll review it. Like, we do an annual review, and, I mean, without jumping into your file too deeply.\n\nChannel 1: Yeah.\n\nChannel 0: Let me have a quick look. I'm just having a look at whether we have you set up for, like, quarterly contact or anything like that. Did you did you want us to give you a call more frequently\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: sort\n\nChannel 1: Yeah.\n\nChannel 0: of,\n\nChannel 1: Yeah.\n\nChannel 0: like,\n\nChannel 1: Yeah.\n\nChannel 0: every\n\nChannel 1: Just just give me quickly. That that will be fine. Thank you.\n\nChannel 0: yeah. Absolutely. Yeah. Perfect. So what I'll make sure that that's all set up.\n\nI'm just Internet's slow today.\n\nChannel 1: Yeah.\n\nChannel 0: But I'll I'll make sure that that's all set up in your system for us to give you call quarterly. And then otherwise, yeah, we'll we review it annually, but we can give you updates and touch\n\nChannel 1: So\n\nChannel 0: base\n\nChannel 1: that\n\nChannel 0: with you\n\nChannel 1: that\n\nChannel 0: shortly.\n\nChannel 1: that is there a waiting period for this one to kick in?\n\nChannel 0: The policy? No. Once it's\n\nChannel 1: Yeah.\n\nChannel 0: once it's accepted, it'll go in it'll pretty much go into place. So it's just\n\nChannel 1: Yeah.\n\nChannel 0: the policy will get accepted,\n\nChannel 1: Yeah.\n\nChannel 0: and then you will you\n\nChannel 1: Do\n\nChannel 0: will\n\nChannel 1: I need to do any any paperwork on this one again?\n\nChannel 0: I don't believe so, but I'd have to check with Jack.\n\nChannel 1: No? Yeah.\n\nChannel 0: But I don't believe there's anything pending for it. I'll just have a quick look at his notes.\n\nChannel 1: If anything happens\n\nChannel 0: Yeah.\n\nChannel 1: during, I can't do much about it. I have to just you had to wait until 04:00 or 04:30 to sign and send it to you.\n\nChannel 0: No. That that's okay. I'll email you if there is anything, but I'm having a look now. It doesn't look like there is anything.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Yeah.\n\nChannel 0: it's just a a matter of the the the premiums need to be reduct deducted.\n\nChannel 1: Yeah.\n\nChannel 0: And once the premiums are deducted, the policy in place.\n\nChannel 1: Yeah.\n\nChannel 0: And then we can finalize the consolidation of your other super fund\n\nChannel 1: Yeah.\n\nChannel 0: and and deal with the sort of last last couple of administrative things, and I'll make sure that\n\nChannel 1: Yeah.\n\nChannel 0: Jack emails through to you.\n\nChannel 1: Yeah.\n\nChannel 0: And and then from there, yeah, we'll give you a call quarterly. And, of course, if you have any questions, you can email in either to myself or to our info line, probably the most appropriate place. So info@folkfoodfinancial.com.au.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Because that way, if I'm away, the team can make sure that you get have a response.\n\nChannel 1: Thanks, Alicia. Thank you.\n\nChannel 0: No. That's okay. Any time at all. If you have any questions moving forward, please do let me know.\n\nChannel 1: No worries. Thank you. Bye.\n\nChannel 0: Yeah. That's okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.1599998,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.01710398867726326}],"sentiment":"neutral","sentiment_score":0.01710398867726326,"channel":1,"num_words":1,"start":2.1599998,"end":2.6599998},{"sentences":[{"text":"Hi.","start":3.6799998,"end":4.0,"sentiment":"neutral","sentiment_score":0.06944628059864044},{"text":"So this is.","start":4.0,"end":4.88,"sentiment":"neutral","sentiment_score":0.09208108981450398},{"text":"It's Larissa from Oakview Financial.","start":4.88,"end":6.48,"sentiment":"neutral","sentiment_score":0.12294153422117234},{"text":"How are you going?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1729201190173626}],"sentiment":"neutral","sentiment_score":0.1270828997859588,"channel":0,"num_words":13,"start":3.6799998,"end":7.3799996},{"sentences":[{"text":"Good.","start":7.6,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5611459612846375},{"text":"Thank you.","start":7.8399997,"end":8.559999,"sentiment":"positive","sentiment_score":0.609942615032196},{"text":"How are you?","start":8.559999,"end":9.38,"sentiment":"neutral","sentiment_score":0.3247274061044057}],"sentiment":"positive","sentiment_score":0.45920223494370777,"channel":1,"num_words":6,"start":7.6,"end":9.38},{"sentences":[{"text":"Really good for the morning.","start":9.599999,"end":10.88,"sentiment":"positive","sentiment_score":0.648670756816864},{"text":"Can't complain.","start":10.88,"end":11.599999,"sentiment":"positive","sentiment_score":0.3771664500236511},{"text":"Thursday morning.","start":11.599999,"end":12.24,"sentiment":"neutral","sentiment_score":0.31494955718517303},{"text":"It's nice and sunny.","start":12.24,"end":13.219999,"sentiment":"positive","sentiment_score":0.5847014635801315},{"text":"Before we jump into it, I do need to, as always, let you know that our calls are recorded.","start":16.405,"end":19.765,"sentiment":"neutral","sentiment_score":0.026130054244085363}],"sentiment":"neutral","sentiment_score":0.23321445885812864,"channel":0,"num_words":32,"start":9.599999,"end":19.765},{"sentences":[{"text":"And if I could just quickly get you confirmed security, it's your full name, date of birth, and address for me.","start":19.765,"end":24.105,"sentiment":"neutral","sentiment_score":0.030744932015382108}],"sentiment":"neutral","sentiment_score":0.030744932015382108,"channel":0,"num_words":21,"start":19.765,"end":24.105},{"sentences":[{"text":"Mhmm.","start":24.005,"end":24.505,"sentiment":"neutral","sentiment_score":-0.0020645982585847378},{"text":"What what what would you need?","start":24.884998,"end":26.564999,"sentiment":"neutral","sentiment_score":-0.010178548749536276},{"text":"Address then?","start":26.564999,"end":27.15,"sentiment":"neutral","sentiment_score":-0.008203545352444053}],"sentiment":"neutral","sentiment_score":-0.008838109051187834,"channel":1,"num_words":9,"start":24.005,"end":27.15},{"sentences":[{"text":"Just just for security, just full name, date of birth, and address.","start":27.300001,"end":31.720001,"sentiment":"neutral","sentiment_score":0.0043079334233577056}],"sentiment":"neutral","sentiment_score":0.0043079334233577056,"channel":0,"num_words":12,"start":27.300001,"end":31.720001},{"sentences":[{"text":"K.","start":31.869999,"end":32.19,"sentiment":"neutral","sentiment_score":0.013249351643025877},{"text":"Sudarshan Kanaswabadi.","start":32.19,"end":33.25,"sentiment":"neutral","sentiment_score":0.020185020752251148},{"text":"May 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yeah, we'll give you a call quarterly.","start":449.245,"end":453.005,"sentiment":"neutral","sentiment_score":0.20887066796422005},{"text":"And, of course, if you have any questions, you can email in either to myself or to our info line, probably the most appropriate place.","start":453.005,"end":460.29,"sentiment":"neutral","sentiment_score":0.16238918393850327},{"text":"So info@folkfoodfinancial.com.au.","start":460.29,"end":462.79,"sentiment":"neutral","sentiment_score":0.10360099747776987}],"sentiment":"neutral","sentiment_score":0.1736764002304811,"channel":0,"num_words":39,"start":449.245,"end":462.79},{"sentences":[{"text":"Yeah.","start":460.595,"end":461.095,"sentiment":"neutral","sentiment_score":0.09840480238199234},{"text":"Yeah.","start":462.595,"end":463.095,"sentiment":"neutral","sentiment_score":0.12278278172016144}],"sentiment":"neutral","sentiment_score":0.11059379205107689,"channel":1,"num_words":2,"start":460.595,"end":463.095},{"sentences":[{"text":"Because that way, if I'm away, the team can make sure that you get have a response.","start":463.41,"end":467.67,"sentiment":"neutral","sentiment_score":0.20820538436665254}],"sentiment":"neutral","sentiment_score":0.20820538436665254,"channel":0,"num_words":17,"start":463.41,"end":467.67},{"sentences":[{"text":"Thanks, Alicia.","start":467.81998,"end":468.56,"sentiment":"positive","sentiment_score":0.5429230034351349},{"text":"Thank you.","start":468.62,"end":469.36,"sentiment":"positive","sentiment_score":0.521963894367218}],"sentiment":"positive","sentiment_score":0.5324434489011765,"channel":1,"num_words":4,"start":467.81998,"end":469.36},{"sentences":[{"text":"No.","start":470.46494,"end":470.70496,"sentiment":"neutral","sentiment_score":-0.007623279932886362},{"text":"That's okay.","start":470.70496,"end":471.58496,"sentiment":"positive","sentiment_score":0.5354849100112915},{"text":"Any time at all.","start":471.58496,"end":472.62494,"sentiment":"neutral","sentiment_score":0.31866399198770523},{"text":"If you have any questions moving forward, please do let me know.","start":472.62494,"end":475.12494,"sentiment":"neutral","sentiment_score":0.27114726478854817}],"sentiment":"neutral","sentiment_score":0.29430366765805765,"channel":0,"num_words":19,"start":470.46494,"end":475.12494},{"sentences":[{"text":"No worries.","start":475.09998,"end":475.58,"sentiment":"positive","sentiment_score":0.38264402747154236},{"text":"Thank you.","start":475.58,"end":475.97998,"sentiment":"positive","sentiment_score":0.741965651512146},{"text":"Bye.","start":475.97998,"end":476.47998,"sentiment":"positive","sentiment_score":0.4567126035690307}],"sentiment":"positive","sentiment_score":0.5411863923072815,"channel":1,"num_words":5,"start":475.09998,"end":476.47998},{"sentences":[{"text":"Yeah.","start":477.42496,"end":477.66495,"sentiment":"positive","sentiment_score":0.3926980495452881},{"text":"That's okay.","start":477.66495,"end":478.30493,"sentiment":"positive","sentiment_score":0.38729336857795715},{"text":"Bye.","start":478.30493,"end":478.80493,"sentiment":"neutral","sentiment_score":-0.09355342388153076}],"sentiment":"neutral","sentiment_score":0.2684328407049179,"channel":0,"num_words":4,"start":477.42496,"end":478.80493}]},"summary":{"result":"success","short":"A representative from Oakview Financial calls a customer to discuss their life insurance policy. The customer confirms their personal information and explains their coverage for their age and rebate. The representative explains the process for canceling the policy and updating the customer's coverage. The customer is advised to contact the representative again if they have any questions."},"intents":{"segments":[{"text":"Before we jump into it, I do need to, as always, let you know that our calls are recorded. And if I could just quickly get you confirmed security, it's your full name, date of birth, and address for me. Mhmm.","start_word":33,"end_word":73,"intents":[{"intent":"Confirm security","confidence_score":0.65153307}]},{"text":"So you got my email. Did you have any you you obviously had questions on the back of that? Yes.","start_word":105,"end_word":124,"intents":[{"intent":"Provide email","confidence_score":0.029306218}]},{"text":"Now I just wanted to see how if because I can't actually compare this one because this one is a life premium on both of them, but what we're looking at? Yep.","start_word":209,"end_word":240,"intents":[{"intent":"Compare policies","confidence_score":0.2369135}]},{"text":"Life premium is sixty five years old. At ten years, $5,701 and 0. Is that is that the total premium that we'll be paying at ten years? That's no.","start_word":241,"end_word":269,"intents":[{"intent":"Explain cost","confidence_score":0.00019993821}]},{"text":"then because it's a super paid policy, you have a 15% rebate that's applicable.","start_word":313,"end_word":326,"intents":[{"intent":"Clarify policy details","confidence_score":0.24594861}]},{"text":"And and and as I said in my email, the whole point of the policy is we would review it annually as Okay. your debt get paid down, as your lifestyle changes, as we, Mhmm. you know, as you self insure, we want we wanna get to the point of not having to have the cover. Okay.","start_word":636,"end_word":692,"intents":[{"intent":"Provide policy information","confidence_score":0.001458712}]},{"text":"And then otherwise, yeah, we'll we review it annually, but we can give you updates and touch So base that with you that shortly.","start_word":901,"end_word":924,"intents":[{"intent":"Send policy updates","confidence_score":0.08045102},{"intent":"Provide updates","confidence_score":0.018507559}]},{"text":"I don't believe so, but I'd have to check with Jack. No?","start_word":982,"end_word":993,"intents":[{"intent":"Check jack","confidence_score":0.0011734127}]},{"text":"I'll email you if there is anything, but I'm having a look now. It doesn't look like there is anything. Yeah.","start_word":1047,"end_word":1067,"intents":[{"intent":"Email notifications","confidence_score":0.000024473844}]},{"text":"And then we can finalize the consolidation of your other super fund Yeah.","start_word":1097,"end_word":1109,"intents":[{"intent":"Consolidate super fund","confidence_score":0.077625036}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. So this is. It's Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.11513980478048325},{"text":"Good. Thank you. How are you? Really good for the morning. Can't complain.","start_word":14,"end_word":26,"sentiment":"positive","sentiment_score":0.5019921660423279},{"text":"Thursday morning.","start_word":27,"end_word":28,"sentiment":"neutral","sentiment_score":0.3271539509296417},{"text":"It's nice and sunny.","start_word":29,"end_word":32,"sentiment":"positive","sentiment_score":0.5646299719810486},{"text":"Before we jump into it, I do need to, as always, let you know that our calls are recorded. And if I could just quickly get you confirmed security, it's your full name, date of birth, and address for me. Mhmm. What what what would you need? Address then? Just just for security, just full name, date of birth, and address. K. Sudarshan Kanaswabadi. May 9 Perfect.","start_word":33,"end_word":99,"sentiment":"neutral","sentiment_score":0.025567155331373215},{"text":"Thanks for that.","start_word":100,"end_word":102,"sentiment":"positive","sentiment_score":0.5170862674713135},{"text":"Centre. Okay. So you got my email. Did you have any you you obviously had questions on the back of that? Yes. Yeah. Just give me a second. I No. just had You're had okay. a look at it. Just give me a second. I'm just I'm just on the mobile, so I just have to just quickly scroll through the email. Just give me a second. No. Absolutely not a problem. Alexa, you're there? Yes. Still here. Okay. Just give me a second. I'm I'm gonna put put this one on to speak up on if you don't mind. Yeah. That's okay. Absolutely. Okay. Cool. Now I just wanted to see how if because I can't actually compare this one because this one is a life premium on both of them, but what we're looking at? Yep. Life premium is sixty five years old. At ten years, $5,701 and 0. Is that is that the total premium that we'll be paying at ten years? That's no. So that's each year's premium for just that life policy, Yeah. and That's then the correct. two I'm PD premium and RP premium. And then I yeah. put in, like, the total gross premium that would be charged for that year. And Mhmm. then because it's a super paid policy, you have a 15% rebate that's applicable. So Mhmm. the net premium, which is what I've got involved. And then what I did was I then added each of the premiums together across the year. So as you roll through each of those rows, I've Mhmm. added sort of, like, the previous year plus that year, previous years plus that year Okay. type of thing. So that way, cumulatively, you can see how it works. The net Right. premium is ultimately what you get charged, but I left this gross and the the the gross premiums in there just so you could sort of see from that perspective. Because it's still important for you to see that. It's just not what comes out of the account. It's what the gross premium is before tax rebate. So when on the last column of it, it says net cumulative premium. When I say 67,000 at the end of ten year, is Yes. that the total amount that I would be paying? If this policy yeah. So if this policy remained in force for the entire ten years Mhmm. and it wasn't altered, it wasn't changed, it wasn't decreased, Yeah. canceled, Okay. whatever the case may be, Yeah. then across the ten years, that's what you would pay. Right. Okay. So looking at looking at five years and six years, that's a big jump, Yep. isn't it? Yes. Alright. Okay. Right. But then this can be discontinued at any time, isn't it? Yes. Yeah. Like, you could you can cancel at any point in time. Like, the policy is not enforced yet because of your concerns. I I didn't press submit on the policy. I I I got Jack to hold off Mhmm. Yeah. just until I spoke with you to get Yeah. your, like, consent to either go ahead or whatever the Yeah. case Okay. may be. Yeah. And and and as I said in my email, the whole point of the policy is we would review it annually as Okay. your debt get paid down, as your lifestyle changes, as we, Mhmm. you know, as you self insure, we want we wanna get to the point of not having to have the cover. Okay. It's there right now as a risk mitigation. So if Yeah. anything does happen to you, your family are gonna be okay. Yeah. But, ultimately speaking, as we get older and as we accumulate wealth, we shouldn't need an insurance policy because our wealth should be enough to ultimately, hopefully, cover everything off. Okay. Yes. Alright. So be without much ado, just go ahead and go ahead and and, okay, start the policy. So Yep. and then we will review it in a year. Yeah. Yeah. Definitely, we'll review it. Like, we do an annual review, and, I mean, without jumping into your file too deeply. Yeah. Let me have a quick look. I'm just having a look at whether we have you set up for, like, quarterly contact or anything like that. Did you did you want us to give you a call more frequently Yeah. Yeah. sort Yeah. of, Yeah. like, Yeah. every Just just give me quickly. That that will be fine.","start_word":103,"end_word":857,"sentiment":"neutral","sentiment_score":0.05277816323572708},{"text":"Thank you.","start_word":858,"end_word":859,"sentiment":"positive","sentiment_score":0.5660776495933533},{"text":"yeah.","start_word":860,"end_word":860,"sentiment":"neutral","sentiment_score":0.2985202372074127},{"text":"Absolutely. Yeah. Perfect.","start_word":861,"end_word":863,"sentiment":"positive","sentiment_score":0.46477246284484863},{"text":"So what I'll make sure that that's all set up. I'm just Internet's slow today. Yeah. But I'll I'll make sure that that's all set up in your system for us to give you call quarterly. And then otherwise, yeah, we'll we review it annually, but we can give you updates and touch So base that with you that shortly. that is there a waiting period for this one to kick in? The policy? No. Once it's Yeah. once it's accepted, it'll go in it'll pretty much go into place. So it's just Yeah. the policy will get accepted, Yeah. and then you will you Do will I need to do any any paperwork on this one again? I don't believe so, but I'd have to check with Jack. No? Yeah. But I don't believe there's anything pending for it. I'll just have a quick look at his notes. If anything happens Yeah. during, I can't do much about it. I have to just you had to wait until 04:00 or 04:30 to sign and send it to you. No. That that's okay. I'll email you if there is anything, but I'm having a look now. It doesn't look like there is anything. Yeah. It's Yeah. it's just a a matter of the the the premiums need to be reduct deducted. Yeah. And once the premiums are deducted, the policy in place. Yeah. And then we can finalize the consolidation of your other super fund Yeah. and and deal with the sort of last last couple of administrative things, and I'll make sure that Yeah. Jack emails through to you. Yeah. And and then from there, yeah, we'll give you a call quarterly. And, of course, if you have any questions, you can email in either to myself or to our info line, probably the most appropriate place. So info@folkfoodfinancial.com.au. Yeah. Yeah. Because that way, if I'm away, the team can make sure that you get have a response.","start_word":864,"end_word":1192,"sentiment":"neutral","sentiment_score":0.0779808792299775},{"text":"Thanks, Alicia. Thank you.","start_word":1193,"end_word":1196,"sentiment":"positive","sentiment_score":0.5353274345397949},{"text":"No.","start_word":1197,"end_word":1197,"sentiment":"neutral","sentiment_score":-0.0241827629506588},{"text":"That's okay.","start_word":1198,"end_word":1199,"sentiment":"positive","sentiment_score":0.5361708998680115},{"text":"Any time at all. If you have any questions moving forward, please do let me know.","start_word":1200,"end_word":1215,"sentiment":"neutral","sentiment_score":0.2865437865257263},{"text":"No worries. Thank you. Bye. Yeah. That's okay.","start_word":1216,"end_word":1223,"sentiment":"positive","sentiment_score":0.4653596878051758},{"text":"Bye.","start_word":1224,"end_word":1224,"sentiment":"neutral","sentiment_score":0.27467045187950134}],"average":{"sentiment":"neutral","sentiment_score":0.07953639890771734}}}}