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No. You're okay. You're step ahead of me. I'm kinda glaring at my husband at the moment asking if he'll kind of make food for me. Yeah. No. I'm I'm right there with you. I don't either. Breakfast is basically a coffee at about 10:30. Yeah. No. I agree. It's it's it's probably not the best diet I've I've I've come up with in the last. But from 10:00, I am itching for coughing. Absolutely. Well, I'm working from home today, so I'm actually neither. I'm halfway between. Yeah. Yeah. But it's actually... Gorgeous sky is nice and hot, but the wind is biting, and it is long ago. Absolutely. Always. How about you? Right. It's... Yeah. Like, the the weather has definitely turned for the warmer. Thank god. Yes. I have. I have been to Adelaide. I spent quite a bit of time in Adelaide and then inland towards Barry. Yeah. Just just a little bit back and onto the Margaret River. Yeah. I'm... Honestly, I'm more of a summer girl myself, but I can see the appeal to the heat, I guess. Like... I'm sorry. I can... I can see the appeal to, like, the dry weather versus, like, your your really humid humid weather. But, yeah, we were we were down... We spent a good six months, and it was all during winter. And my toes have never been so soft bitten, and I wasn't the biggest fan of it. But it was quite... It was lovely. We were... Well, it was a lifetime ago now. Well, at least two of my children's lifetimes ago. Oh, it was a lifetime ago, specifically two of my children. Oh, lovely. Oh, beautiful. Oh, absolutely. So I have sent you I sent you the the... A document pack, I guess, which connects to the that we can go through today. I went through the private research, and I put everything together. I have got options as well for you in the event that you wanted to go in a different direction that we can kind of discuss and go through. So, yeah, that should be in your emails. Yeah. Yes. Yeah. Like, literally, while I was doing the phone, I'd press send. Yeah. No. Generally, majority, we keep them in, like, the regular London bolt. Perfect. So insurance. I went through and had a look at everything. And based on our conversation and what we wanted to basically cover, I looked at what we could kind of go through and do. So, originally, we spoke about covering, like, the mortgage, so about $220,000 worth of the mortgage, just getting that covered off and done. And then we spoke about putting a little bit extra in your income protection, like, getting income protection put in place and making sure that we were sort of covered there. I looked at... Because with income protection, as we discussed, it has different waiting periods, different benefit periods. So I looked at what... You know, if we went to, like, the whole hog had, like, the longest longest benefit period, shortest waiting period, what that would do, and what that cost would be. To do a policy that had a sixty day waiting period... Sorry. A thirty day waiting period and a a sixty five benefit period. It ended up being quite... It's, like, really, really quite expensive. And it wasn't worth it for us. I'm just... I realized I didn't... Yes. Yeah. How long you have to be off work before the policy kicks in? So, basically, income protection won't cover you if you get, like, a common cold when you're off work for a week. But if you end up with something more serious, then, yes, it will cover you. But you have to wait out a thirty day waiting period before the policy will start accumulating a benefit. So in the first thirty days when you're off, you don't you don't get back paid for the waiting period. No. But I did pick an insurer. So I I went with Zurich in terms of the insurer. So Zurich differs from a lot of other insurers because what they... What what the standard is is basically waiting period happens, you start accumulating the benefit, and at the end of the month, as in at the end of your accumulation month... So if you if you stop work on the fifteenth, you wait your thirty days, which will end up being, say... Let's just say it's the seventeenth, and you start accumulating a benefit from the seventeenth of a month, what most providers will do is they won't pay you until the seventeenth of next month. Because as as of the sixteenth, that'll close out your month. They pay you on the seventeenth, and you'll get the money in two to three business days based on bank processing. What Zurich do is Zurich actually pay day 15. So, essentially, what that means is they pay in the middle of the month based on where everything fits. So so, like, that kind of situation, seventeenth through, you'd end up kinda getting a payment, say, day 30 ish, like, the thirtieth of the month. So they pay mid month, which is really good because that's obviously getting you money through now rather than, like, essentially waiting sixty days before your first benefit. Yeah. Yeah. We can we can extend out the waiting period at any time. That's that's actually really easy to extend out the waiting period. Extending out the benefit of reducing the waiting period is not as easy. That is not impossible. I did just... I didn't send you the appendix. So what I'm gonna do is I'm gonna email it to you separately because it's just sort of addendum to the advice. It's got, like, a little bit other research that I put together in it, and I want you to have it as a document. I just stupidly didn't attach it to the whole file when I sent it. Mhmm. It's in the morning. It's in the morning. Mhmm. So, essentially speaking, with respect to everything, I I looked at... Because we... When we spoke, we were talking about making sure that you had the the mortgage paid off and then replacing your income if you were never able to work again. Now I pay... What I did was I built it all on the IP policy. So I looked at... If we could get IP to cover you all the way through until you were 65, happy days, because you have an income coming in every single month until, basically, retirement... Until retirement age. But the premium on that were, like, $11 a year. So way too expensive to be able to upkeep from from an overall perspective. Like, it's your contributions... Your... It's it's your contribution from your employer, basically. Every year, contribution's gonna come in, and you're gonna have to pay them out to the the insurer. It just... It didn't it didn't mathematically work. So then what I looked at was I looked at, well, could we have offsets to that? Could I reduce that? You know, if you were totally disabled, Centrelink would, you know, be able to step in and provide a little bit of a benefit. How does that work to reduce things down? I looked at... So, basically, if you would replace your full income on everything, we were looking at nearly 1,400,000 for TPD. And 1,400,000 for TPD just ended up again being too expensive, and agent occupation comes into it. And it just... It didn't it didn't work out well in terms of what your super funds have to pay. And I I I... Ultimately, your super fund is still there to be able to grow. While you may have precious metals in it, it still needs to grow. I don't want you having to dip into the precious metals to pay for insurance premium. That makes no sense because then you are having to sell... Actually, actually sell. So I wanted to keep it to a point where you would actually have money to be able to do everything you wanna do in terms of buying more precious metals and or diversifying property due to in the future. But we have, like, a decent amount of money that if something happened to you, we're gonna be okay. So what I ended up settling on in terms of an outcome was a thirty day wait, two year benefit for your income protection, and then 750,000 worth of TPD. Now I looked at... Because we talked about life cover, we only wanted to cover the house. I looked at what it would look like if we had, say, $2.20 worth of life cover and then $7.50 worth of TPD, which would ultimately mean that you had two different TPD policies. You have, like... We could have one that was linked to the life cover and then a second one that was a stand alone. And when you have a TPV policy that's stand alone, it becomes really expensive. It's like... I I can get down into the nitty gritty of it, but high... Higher, overarchingly, it's basically just the way they structure it. It just becomes more expensive. Because, realistically, the chances are if someone's TPD'd, there's a high possibility that they're actually about to pass away. Statistically, they're probably terminal. So therefore, insurers kind of have it that if you link the life and TPD policy, we'll make it cheaper for you because realistically, while there's two benefits and two possibilities to claim, you're probably only actually gonna claim one of the benefits. Yeah. Essentially. Which which... With TPD, if you were terminal and you tried to apply for a standalone TPD policy, you have to survive to actually get that get that paid out, which can take twelve months to get a PPD policy paid out in some instances, obviously, depending on what the condition is and what happens. It just depends on diagnosis. It depends on doctors. Like, I've had TPD policies go through in... Like, applications for client go through in two months. I've also had... And it's pretty standard for a TPD policy to take six to twelve months because doctors are investigating. The condition is still evolving. The, you know, the doctors are still actively doing treatment on on, you know, on the person trying to get them to recover even though the person may never actually fully recover until the doctor makes a determination that, no. They are TPD. They're never gonna recover to the point where they're never gonna recover to the point where, you know, they're gonna be able to work again while they're going through all those investigations. The insurer is being led by doctors. And doctors always work on the optimistic side, not pessimistic, which can be really painful in my line of work. When I'm sitting there going, you know the answer, just give it to me. But all in all, ended up going with $7.50 was a license, 750 was a TPD. I added a buyback in for the TBD. So that means that... Let's just say, for argument's sake, in your line of work, you were to, and I am touching all of the words I can, you were to contract an illness that prevented you from being able to work, like, you need your core strength, your back, the ability to lift, move, and you were not able to do that anymore, TPD would be able to pay out. Within twelve months of your TPD being accepted and paying out, your life cover actually gets bought back, and that life cover policy stays in place. So you get to double dip on that policy because I have a specific inclusion of your TPD. However, in the event, let's just say, that I had a client that's stroked and, you know, stroke causes TPD, we claim TPD, they passed away within six months of that TPD policy, the life policy would not pay out because during that twelve month period, the life policy is basically suspended. And it does happen. It is a risk in structuring policy this way, But, ultimately speaking, the TPD policy is set to pay out your mortgage anyway, and the life policy would ultimately be a bit of a double dip. The only reason the life policy is sitting at $7.50 is because it structurally makes things cheaper for you. By structuring things this way and going to the $7.50, the life CPD with the flyback and the IP, we're sitting at $27.49 and 34¢. It is, however, a stepped policy, which means that it will increase over the years. So it does still need to be looked at as we get older and tailored. Yes. 2,000 750, essentially. Yes. So that's, I guess, overarchingly, the, like, main reasons. I have, like, on page 11 of the statement of advice, I have a full, like, breakdown of, like, the needs analysis from our discussion, what we were trying to replace, and where that sort of works at, and and sort of the calculation for how I got to your needs of, like, you know, the 1.39. And then I haven't pressed send because I am autistically distracted today. I cannot multitask today. It is it is being a day of, like, pure focus one task at a time. Yeah. I know. I'm I'm... I just can't focus on more than one thing at this time today. It's been really bad. Probably something to do with, like, sleep. But, anyway, I'm just gonna send send it to you. I've just sent that to you. We can look right back as well. But, essentially, the the appendix just kind of has, like, the alternative quotes that I looked at. So you can see where I was looking with different, like, value sum amount and what those premiums look like. So, like, if I was gonna go with the $8.65 with literally $22,220,000 in life and CBD, we were looking at $10,230 a year. Yeah. If we were looking at a five year benefit period on the IP with nearly 1,000,000 in in life insurance, we're looking at $77,000. If we want, like, 1.5 mil, two years waiting period, we're looking at 5,800. You know, if we're looking at 2,200 for life, 2,200 for TPD plus an additional $930 in TPD with a 30 and a two year sort of IP, we're looking at 7 and a half. Like, the premiums were just getting true up there to make it make sense. I just... I... It just... It it didn't work. So... Yeah. So reason for recommendation is cost plus benefit gives you overall benefit of everything. In the in the, like, in the little... Like, they're literally just, like, screenshots of, like, the research data that I pull. Like, I've I've formatted it nicely for you, but the, like, the premiums are rough. They're not quoted directly through the providers, but they're pretty accurate within a few dollars. Like, I gave alternatives for, like, some of the other providers that I looked at. I didn't give you, like, the plethora of 15 providers. I gave you, like, the top few for each scenario. Didn't wanna overload you with, who's every single provider? Make those... But, yeah, it's... It it is there. Now look look, the benefits with your SMSF is that when you do your tax return every year, the receipt for your insurance cover becomes a tax deduction. So you... You're able to literally claim the premiums back through the... The super funds get to claim the premiums back to a degree. It's not like you get dollar for dollar. It's 15¢ on every dollar because that's the superannuation tax rate. Yep. Correct. Yep. The the insurance policy just becomes part of that. Same thing would happen with your with your other insurance policy. No. I think it's okay. No. That's okay. So, ultimately speaking, if you do wanna go ahead with it, like, I've... You have all the information there at the moment. I'm not someone that's gonna push you to be like, no. Sign now. Sign today. Let's go. I want you to take, you know, a little bit of time to read over the document. While it's not the biggest document I've ever sent in my life, it still does contain this information. So I just... I want you to take the time to read it. Ultimately speaking, it's... I mean, it... It's probably the clearest I could probably outline it for you. But if you do wanna go with one of the alternatives that I do have lined out for you, for example, in the actual statement of advice on page 12, I have a alternative to basically provide a reduced amount of life and TPD and dropping it down to sort of 230,000. It was my first consideration that I made because we had talked about, like, just going from there, and that was paying the mortgage of 02/20 and then having a $630.16 coverage in the shortfall that your income protection policy would pay you. So it's just... It's it's only a... It's a reduced amount, but it it is a possibility it could go that way with a shorter waiting period type of thing. That... No. That would be, like, the $230 in TPD, $230 in IP... Life insurance. Sorry. We could drop it down to that, which does drastically reduce your premiums, but I just felt like it was too much of a shortfall in actually replacing your income. If you did have a lifelong condition, like, you are 50, you have fifteen years... You have ten years minimum before you can access your super. And then realistically, it's sort of 65 that is most common for retirement. That's gonna give you the ability to to be able to build and grow your super over those fifteen years. If we don't cover your income, we're gonna have a, like, a massive shortfall. The difference between your income on $92 versus Centrelink income... Because $92, which is what your payslip stated, means that you're getting paid about 77 and change net, which if you migrate from 77 down to Centrelink's pay of 30 ish grand, it's it is quite a bit of a quite a bit of a difference. And even if mortgage is paid off, like, there's still there's still that shortfall. I don't I don't believe that you're the second attached for 20 I thought you... No. You're okay. I thought you did, but I... There's only the one payslip, unless I'm actually blind, which is a possibility some days too. Let me just have a look again. I'm just there. Oh my god. They are too... They're just back to back. No. No. You are so fine, and I completely overlooked it. Absolutely overlooked it. It won't make a mammoth difference, but to the income protection, it will. Because I've currently quoted on $92, which is what your income is with KIPC, not including supporting abilities. So supporting abilities takes your income from 92 up to what is essentially a 100 and You don't work for you don't work for supportabilities? I knew you had the I knew you had the multiple jobs, but, yeah, when I only saw the one payslip, I was like, maybe I'm just insane. Okay. So we don't work we don't work with supporting abilities. We we... Do we know what our income is, though? Last year would have been about a 120. K. So I've done it I've done it on... I've done your income protection on '92, which means that okay. Let me go back. Which means that the monthly benefit is $53.66, which... Because income protection is a taxable benefit. It matters a a bit. I know. Thank you. Yeah. No. And that... That's that's okay. So, essentially speaking, the benefit you'd be paid would be $43,443.04 per month after income tax is paid. No. You're okay. So... And what I've quoted, because income protection is an income protection is an income. So it it provides you an income. So it is taxed at a marginal rate. So essentially speaking, you would get $4,434 per month or about 2,004... $2,050 a a fortnight. Is that enough, or do we need to pivot and adjust? Because I can't pivot and adjust. Right. That would be Generally speaking, yes. But also, you know, doctor doctor sees anything like that that's that's... You know, I gotta keep your book subscriptions up as well. Yeah. What are you gonna do? Oh, absolutely. I I have a puzzle on the go. It's like a 100,000 piece puzzle on the go for, like, the last five years. No. It's on a rollout mat. Yeah. It's got like a a... Yeah. It's like a piece of... Black massive piece of felt with a, like, a a a tube, like a... Basically, like a PVC pipe. You just roll the PVC pipe and the and the mat all up, and it just currently slips underneath my bed. And then every now and again, when I, you know, clean out under the bed from whatever the kids are thrown under there and all, you know, vacuum under the bed and everything. I find it, and I'm like, oh, I'll pull it out. Do some more few more pieces. It stays there for a week or so. And then we crack out of my husband's, and then I'll talk about all the end. Yeah. Absolutely. Perfect. What... Cool. Well, if you're comfortable with the 2,050 of Fortnight, then then it doesn't... It won't change anything. Realistically, we can ensure we can assure you for as much or as little as you want just as, like, you have to justify it, obviously. With income protection, you can never be better off under claim than you were at work. So, essentially speaking, if you had... Say, last year, you earned $70, and this year, you're like, yeah. I'm gonna earn a 120, and we insure you for a 120, and then you ended up only earning 70 or 90, they would only pay you up to the 90 that you earned. Cool. Well, if if you're comfortable with, yeah, the income protection side of things, essentially speaking, it's just yours to review and look through. And if you wanna... Like, if you have any alternatives that you want me to look at or you want to adjust, we can do so. I would still recommend Zurich as the provider irrespective of what amounts we ended up going with, and that's purely simply they have the best policy structure, pricing for your... For your occupation. They allow... Like, it's allowed to be paid for by your SMSF funds, so that's nice and easy. It, yeah, it it... Zurich works out the best for you and your position. And, again, they have that mid month payment. It's just if you want to adjust any of the amount. Ultimately, my recommendation is $7.50, like, 50 TPD, the IP at those set amounts. But, yes, if you have an alternative that you want, there's one or two methodologies you can look at. You can either send me through an email and say, hey. Can you please quote up this? And I can do so and send it to you. And then if that's what you wanna go ahead with, there is a box... There's a box... No. You're okay. There's a box in the in the statement of advice down on the sign page that is there for you to type in any alteration. So you can actually request for an alteration to the above. You can basically just type in thanks. Appreciate your advice. However, I would like to proceed with this quote for these amounts. And you would put that in, and I would then organize a time to go through the application with you. My... I have... One of my administrators is... Specializes in insurance, and they would go through the application with you and be able to complete the questionnaire, which I... You've gone through before, so I I don't need to sort of run through too too in-depth. But, basically, you answer all the questions under the fund to do with your health, occupation, everything like that, and that gets submitted to the insurer. The insurer is then able to put it in place and send payment request to your super fund. Yeah. Sorry. Alright. Yeah. Essentially. So once you authorize the advice, my my team will call you to schedule a time to go through application. Application will take anywhere from half hour to an hour. I had a look over your last application from years gone by, and no red flags. And as we talked about a couple weeks ago, you have nothing else that's popped up in your house. So it shouldn't take any longer than an hour, and that'll only be if, like, you have any questions or something like that. Outside of that, once the application goes through and is approved, the insurer will generally... Like, I I basically say it takes about two weeks. It's just the insurer will do all their checks, issue what's called the... Send you your currency and policy schedule to you, and they will then request payment, and then payment gets made. I've set up for the payment methodology to basically be direct debit from the SMSF cash account. It's the easiest method for SMSF payments. There is one other method, which is basically they invoice you when you pay the invoice. Yeah. No. No. It's so fine. No. I know. Yeah. You did alright. The only other document for you to sign is essentially the the quote. So it just... It details out the quote. As I said, the premiums are set. So this is something I'd wanna review with you at a minimum every two years. It's just a touch base to say, hey. How much does the mortgage drop by? Let's drop the policy by a little bit, and we would just decrease it. But the annualized, like, pre... Like, the premium projections are written in that because as you get older, the premiums do increase. That's okay. What I'll do is I will leave it with you, and I will task Maddie, who you spoke to to organize our initial meeting. I'll task her to follow-up with you in a week. Perfect. Alright. Well, I will let you go, do everything you need to do, and we... I'll touch base with you in a week. Too. Thanks, Hazel. 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Hi,. How are you going? How are you doing, though? No.\n\nYou're so fine. I got I got stuck on the phone with Superfunds. So I got stuck on the phone to one of the super funds, so I get it. No. You're okay.\n\nYou're step ahead of me. I'm kinda glaring at my husband at the moment asking if he'll kind of make food for me. Yeah. No. I'm I'm right there with you.\n\nI don't either. Breakfast is basically a coffee at about 10:30. Yeah. No. I agree.\n\nIt's it's it's probably not the best diet I've I've I've come up with in the last. But from 10:00, I am itching for coughing. Absolutely. Well, I'm working from home today, so I'm actually neither. I'm halfway between.\n\nYeah. Yeah. But it's actually... Gorgeous sky is nice and hot, but the wind is biting, and it is long ago. Absolutely.\n\nAlways. How about you? Right. It's... Yeah.\n\nLike, the the weather has definitely turned for the warmer. Thank god. Yes. I have. I have been to Adelaide.\n\nI spent quite a bit of time in Adelaide and then inland towards Barry. Yeah. Just just a little bit back and onto the Margaret River. Yeah. I'm...\n\nHonestly, I'm more of a summer girl myself, but I can see the appeal to the heat, I guess. Like... I'm sorry. I can... I can see the appeal to, like, the dry weather versus, like, your your really humid humid weather.\n\nBut, yeah, we were we were down... We spent a good six months, and it was all during winter. And my toes have never been so soft bitten, and I wasn't the biggest fan of it. But it was quite... It was lovely.\n\nWe were... Well, it was a lifetime ago now. Well, at least two of my children's lifetimes ago. Oh, it was a lifetime ago, specifically two of my children. Oh, lovely.\n\nOh, beautiful. Oh, absolutely. So I have sent you I sent you the the... A document pack, I guess, which connects to the that we can go through today. I went through the private research, and I put everything together.\n\nI have got options as well for you in the event that you wanted to go in a different direction that we can kind of discuss and go through. So, yeah, that should be in your emails. Yeah. Yes. Yeah.\n\nLike, literally, while I was doing the phone, I'd press send. Yeah. No. Generally, majority, we keep them in, like, the regular London bolt. Perfect.\n\nSo insurance. I went through and had a look at everything. And based on our conversation and what we wanted to basically cover, I looked at what we could kind of go through and do. So, originally, we spoke about covering, like, the mortgage, so about $220,000 worth of the mortgage, just getting that covered off and done. And then we spoke about putting a little bit extra in your income protection, like, getting income protection put in place and making sure that we were sort of covered there.\n\nI looked at... Because with income protection, as we discussed, it has different waiting periods, different benefit periods. So I looked at what... You know, if we went to, like, the whole hog had, like, the longest longest benefit period, shortest waiting period, what that would do, and what that cost would be. To do a policy that had a sixty day waiting period...\n\nSorry. A thirty day waiting period and a a sixty five benefit period. It ended up being quite... It's, like, really, really quite expensive. And it wasn't worth it for us.\n\nI'm just... I realized I didn't... Yes. Yeah. How long you have to be off work before the policy kicks in?\n\nSo, basically, income protection won't cover you if you get, like, a common cold when you're off work for a week. But if you end up with something more serious, then, yes, it will cover you. But you have to wait out a thirty day waiting period before the policy will start accumulating a benefit. So in the first thirty days when you're off, you don't you don't get back paid for the waiting period. No.\n\nBut I did pick an insurer. So I I went with Zurich in terms of the insurer. So Zurich differs from a lot of other insurers because what they... What what the standard is is basically waiting period happens, you start accumulating the benefit, and at the end of the month, as in at the end of your accumulation month... So if you if you stop work on the fifteenth, you wait your thirty days, which will end up being, say...\n\nLet's just say it's the seventeenth, and you start accumulating a benefit from the seventeenth of a month, what most providers will do is they won't pay you until the seventeenth of next month. Because as as of the sixteenth, that'll close out your month. They pay you on the seventeenth, and you'll get the money in two to three business days based on bank processing. What Zurich do is Zurich actually pay day 15. So, essentially, what that means is they pay in the middle of the month based on where everything fits.\n\nSo so, like, that kind of situation, seventeenth through, you'd end up kinda getting a payment, say, day 30 ish, like, the thirtieth of the month. So they pay mid month, which is really good because that's obviously getting you money through now rather than, like, essentially waiting sixty days before your first benefit. Yeah. Yeah. We can we can extend out the waiting period at any time.\n\nThat's that's actually really easy to extend out the waiting period. Extending out the benefit of reducing the waiting period is not as easy. That is not impossible. I did just... I didn't send you the appendix.\n\nSo what I'm gonna do is I'm gonna email it to you separately because it's just sort of addendum to the advice. It's got, like, a little bit other research that I put together in it, and I want you to have it as a document. I just stupidly didn't attach it to the whole file when I sent it. Mhmm. It's in the morning.\n\nIt's in the morning. Mhmm. So, essentially speaking, with respect to everything, I I looked at... Because we... When we spoke, we were talking about making sure that you had the the mortgage paid off and then replacing your income if you were never able to work again.\n\nNow I pay... What I did was I built it all on the IP policy. So I looked at... If we could get IP to cover you all the way through until you were 65, happy days, because you have an income coming in every single month until, basically, retirement... Until retirement age.\n\nBut the premium on that were, like, $11 a year. So way too expensive to be able to upkeep from from an overall perspective. Like, it's your contributions... Your... It's it's your contribution from your employer, basically.\n\nEvery year, contribution's gonna come in, and you're gonna have to pay them out to the the insurer. It just... It didn't it didn't mathematically work. So then what I looked at was I looked at, well, could we have offsets to that? Could I reduce that?\n\nYou know, if you were totally disabled, Centrelink would, you know, be able to step in and provide a little bit of a benefit. How does that work to reduce things down? I looked at... So, basically, if you would replace your full income on everything, we were looking at nearly 1,400,000 for TPD. And 1,400,000 for TPD just ended up again being too expensive, and agent occupation comes into it.\n\nAnd it just... It didn't it didn't work out well in terms of what your super funds have to pay. And I I I... Ultimately, your super fund is still there to be able to grow. While you may have precious metals in it, it still needs to grow.\n\nI don't want you having to dip into the precious metals to pay for insurance premium. That makes no sense because then you are having to sell... Actually, actually sell. So I wanted to keep it to a point where you would actually have money to be able to do everything you wanna do in terms of buying more precious metals and or diversifying property due to in the future. But we have, like, a decent amount of money that if something happened to you, we're gonna be okay.\n\nSo what I ended up settling on in terms of an outcome was a thirty day wait, two year benefit for your income protection, and then 750,000 worth of TPD. Now I looked at... Because we talked about life cover, we only wanted to cover the house. I looked at what it would look like if we had, say, $2.20 worth of life cover and then $7.50 worth of TPD, which would ultimately mean that you had two different TPD policies. You have, like...\n\nWe could have one that was linked to the life cover and then a second one that was a stand alone. And when you have a TPV policy that's stand alone, it becomes really expensive. It's like... I I can get down into the nitty gritty of it, but high... Higher, overarchingly, it's basically just the way they structure it.\n\nIt just becomes more expensive. Because, realistically, the chances are if someone's TPD'd, there's a high possibility that they're actually about to pass away. Statistically, they're probably terminal. So therefore, insurers kind of have it that if you link the life and TPD policy, we'll make it cheaper for you because realistically, while there's two benefits and two possibilities to claim, you're probably only actually gonna claim one of the benefits. Yeah.\n\nEssentially. Which which... With TPD, if you were terminal and you tried to apply for a standalone TPD policy, you have to survive to actually get that get that paid out, which can take twelve months to get a PPD policy paid out in some instances, obviously, depending on what the condition is and what happens. It just depends on diagnosis. It depends on doctors.\n\nLike, I've had TPD policies go through in... Like, applications for client go through in two months. I've also had... And it's pretty standard for a TPD policy to take six to twelve months because doctors are investigating. The condition is still evolving.\n\nThe, you know, the doctors are still actively doing treatment on on, you know, on the person trying to get them to recover even though the person may never actually fully recover until the doctor makes a determination that, no. They are TPD. They're never gonna recover to the point where they're never gonna recover to the point where, you know, they're gonna be able to work again while they're going through all those investigations. The insurer is being led by doctors. And doctors always work on the optimistic side, not pessimistic, which can be really painful in my line of work.\n\nWhen I'm sitting there going, you know the answer, just give it to me. But all in all, ended up going with $7.50 was a license, 750 was a TPD. I added a buyback in for the TBD. So that means that... Let's just say, for argument's sake, in your line of work, you were to, and I am touching all of the words I can, you were to contract an illness that prevented you from being able to work, like, you need your core strength, your back, the ability to lift, move, and you were not able to do that anymore, TPD would be able to pay out.\n\nWithin twelve months of your TPD being accepted and paying out, your life cover actually gets bought back, and that life cover policy stays in place. So you get to double dip on that policy because I have a specific inclusion of your TPD. However, in the event, let's just say, that I had a client that's stroked and, you know, stroke causes TPD, we claim TPD, they passed away within six months of that TPD policy, the life policy would not pay out because during that twelve month period, the life policy is basically suspended. And it does happen. It is a risk in structuring policy this way, But, ultimately speaking, the TPD policy is set to pay out your mortgage anyway, and the life policy would ultimately be a bit of a double dip.\n\nThe only reason the life policy is sitting at $7.50 is because it structurally makes things cheaper for you. By structuring things this way and going to the $7.50, the life CPD with the flyback and the IP, we're sitting at $27.49 and 34¢. It is, however, a stepped policy, which means that it will increase over the years. So it does still need to be looked at as we get older and tailored. Yes.\n\n2,000 750, essentially. Yes. So that's, I guess, overarchingly, the, like, main reasons. I have, like, on page 11 of the statement of advice, I have a full, like, breakdown of, like, the needs analysis from our discussion, what we were trying to replace, and where that sort of works at, and and sort of the calculation for how I got to your needs of, like, you know, the 1.39. And then I haven't pressed send because I am autistically distracted today.\n\nI cannot multitask today. It is it is being a day of, like, pure focus one task at a time. Yeah. I know. I'm I'm...\n\nI just can't focus on more than one thing at this time today. It's been really bad. Probably something to do with, like, sleep. But, anyway, I'm just gonna send send it to you. I've just sent that to you.\n\nWe can look right back as well. But, essentially, the the appendix just kind of has, like, the alternative quotes that I looked at. So you can see where I was looking with different, like, value sum amount and what those premiums look like. So, like, if I was gonna go with the $8.65 with literally $22,220,000 in life and CBD, we were looking at $10,230 a year. Yeah.\n\nIf we were looking at a five year benefit period on the IP with nearly 1,000,000 in in life insurance, we're looking at $77,000. If we want, like, 1.5 mil, two years waiting period, we're looking at 5,800. You know, if we're looking at 2,200 for life, 2,200 for TPD plus an additional $930 in TPD with a 30 and a two year sort of IP, we're looking at 7 and a half. Like, the premiums were just getting true up there to make it make sense. I just...\n\nI... It just... It it didn't work. So... Yeah.\n\nSo reason for recommendation is cost plus benefit gives you overall benefit of everything. In the in the, like, in the little... Like, they're literally just, like, screenshots of, like, the research data that I pull. Like, I've I've formatted it nicely for you, but the, like, the premiums are rough. They're not quoted directly through the providers, but they're pretty accurate within a few dollars.\n\nLike, I gave alternatives for, like, some of the other providers that I looked at. I didn't give you, like, the plethora of 15 providers. I gave you, like, the top few for each scenario. Didn't wanna overload you with, who's every single provider? Make those...\n\nBut, yeah, it's... It it is there. Now look look, the benefits with your SMSF is that when you do your tax return every year, the receipt for your insurance cover becomes a tax deduction. So you... You're able to literally claim the premiums back through the...\n\nThe super funds get to claim the premiums back to a degree. It's not like you get dollar for dollar. It's 15¢ on every dollar because that's the superannuation tax rate. Yep. Correct.\n\nYep. The the insurance policy just becomes part of that. Same thing would happen with your with your other insurance policy. No. I think it's okay.\n\nNo. That's okay. So, ultimately speaking, if you do wanna go ahead with it, like, I've... You have all the information there at the moment. I'm not someone that's gonna push you to be like, no.\n\nSign now. Sign today. Let's go. I want you to take, you know, a little bit of time to read over the document. While it's not the biggest document I've ever sent in my life, it still does contain this information.\n\nSo I just... I want you to take the time to read it. Ultimately speaking, it's... I mean, it... It's probably the clearest I could probably outline it for you.\n\nBut if you do wanna go with one of the alternatives that I do have lined out for you, for example, in the actual statement of advice on page 12, I have a alternative to basically provide a reduced amount of life and TPD and dropping it down to sort of 230,000. It was my first consideration that I made because we had talked about, like, just going from there, and that was paying the mortgage of 02/20 and then having a $630.16 coverage in the shortfall that your income protection policy would pay you. So it's just... It's it's only a... It's a reduced amount, but it it is a possibility it could go that way with a shorter waiting period type of thing.\n\nThat... No. That would be, like, the $230 in TPD, $230 in IP... Life insurance. Sorry.\n\nWe could drop it down to that, which does drastically reduce your premiums, but I just felt like it was too much of a shortfall in actually replacing your income. If you did have a lifelong condition, like, you are 50, you have fifteen years... You have ten years minimum before you can access your super. And then realistically, it's sort of 65 that is most common for retirement. That's gonna give you the ability to to be able to build and grow your super over those fifteen years.\n\nIf we don't cover your income, we're gonna have a, like, a massive shortfall. The difference between your income on $92 versus Centrelink income... Because $92, which is what your payslip stated, means that you're getting paid about 77 and change net, which if you migrate from 77 down to Centrelink's pay of 30 ish grand, it's it is quite a bit of a quite a bit of a difference. And even if mortgage is paid off, like, there's still there's still that shortfall. I don't I don't believe that you're the second attached for 20 I thought you...\n\nNo. You're okay. I thought you did, but I... There's only the one payslip, unless I'm actually blind, which is a possibility some days too. Let me just have a look again.\n\nI'm just there. Oh my god. They are too... They're just back to back. No.\n\nNo. You are so fine, and I completely overlooked it. Absolutely overlooked it. It won't make a mammoth difference, but to the income protection, it will. Because I've currently quoted on $92, which is what your income is with KIPC, not including supporting abilities.\n\nSo supporting abilities takes your income from 92 up to what is essentially a 100 and You don't work for you don't work for supportabilities? I knew you had the I knew you had the multiple jobs, but, yeah, when I only saw the one payslip, I was like, maybe I'm just insane. Okay. So we don't work we don't work with supporting abilities. We we...\n\nDo we know what our income is, though? Last year would have been about a 120. K. So I've done it I've done it on... I've done your income protection on '92, which means that okay.\n\nLet me go back. Which means that the monthly benefit is $53.66, which... Because income protection is a taxable benefit. It matters a a bit. I know.\n\nThank you. Yeah. No. And that... That's that's okay.\n\nSo, essentially speaking, the benefit you'd be paid would be $43,443.04 per month after income tax is paid. No. You're okay. So... And what I've quoted, because income protection is an income protection is an income.\n\nSo it it provides you an income. So it is taxed at a marginal rate. So essentially speaking, you would get $4,434 per month or about 2,004... $2,050 a a fortnight. Is that enough, or do we need to pivot and adjust?\n\nBecause I can't pivot and adjust. Right. That would be Generally speaking, yes. But also, you know, doctor doctor sees anything like that that's that's... You know, I gotta keep your book subscriptions up as well.\n\nYeah. What are you gonna do? Oh, absolutely. I I have a puzzle on the go. It's like a 100,000 piece puzzle on the go for, like, the last five years.\n\nNo. It's on a rollout mat. Yeah. It's got like a a... Yeah.\n\nIt's like a piece of... Black massive piece of felt with a, like, a a a tube, like a... Basically, like a PVC pipe. You just roll the PVC pipe and the and the mat all up, and it just currently slips underneath my bed. And then every now and again, when I, you know, clean out under the bed from whatever the kids are thrown under there and all, you know, vacuum under the bed and everything.\n\nI find it, and I'm like, oh, I'll pull it out. Do some more few more pieces. It stays there for a week or so. And then we crack out of my husband's, and then I'll talk about all the end. Yeah.\n\nAbsolutely. Perfect. What... Cool. Well, if you're comfortable with the 2,050 of Fortnight, then then it doesn't...\n\nIt won't change anything. Realistically, we can ensure we can assure you for as much or as little as you want just as, like, you have to justify it, obviously. With income protection, you can never be better off under claim than you were at work. So, essentially speaking, if you had... Say, last year, you earned $70, and this year, you're like, yeah.\n\nI'm gonna earn a 120, and we insure you for a 120, and then you ended up only earning 70 or 90, they would only pay you up to the 90 that you earned. Cool. Well, if if you're comfortable with, yeah, the income protection side of things, essentially speaking, it's just yours to review and look through. And if you wanna... Like, if you have any alternatives that you want me to look at or you want to adjust, we can do so.\n\nI would still recommend Zurich as the provider irrespective of what amounts we ended up going with, and that's purely simply they have the best policy structure, pricing for your... For your occupation. They allow... Like, it's allowed to be paid for by your SMSF funds, so that's nice and easy. It, yeah, it it...\n\nZurich works out the best for you and your position. And, again, they have that mid month payment. It's just if you want to adjust any of the amount. Ultimately, my recommendation is $7.50, like, 50 TPD, the IP at those set amounts. But, yes, if you have an alternative that you want, there's one or two methodologies you can look at.\n\nYou can either send me through an email and say, hey. Can you please quote up this? And I can do so and send it to you. And then if that's what you wanna go ahead with, there is a box... There's a box...\n\nNo. You're okay. There's a box in the in the statement of advice down on the sign page that is there for you to type in any alteration. So you can actually request for an alteration to the above. You can basically just type in thanks.\n\nAppreciate your advice. However, I would like to proceed with this quote for these amounts. And you would put that in, and I would then organize a time to go through the application with you. My... I have...\n\nOne of my administrators is... Specializes in insurance, and they would go through the application with you and be able to complete the questionnaire, which I... You've gone through before, so I I don't need to sort of run through too too in-depth. But, basically, you answer all the questions under the fund to do with your health, occupation, everything like that, and that gets submitted to the insurer. The insurer is then able to put it in place and send payment request to your super fund.\n\nYeah. Sorry. Alright. Yeah. Essentially.\n\nSo once you authorize the advice, my my team will call you to schedule a time to go through application. Application will take anywhere from half hour to an hour. I had a look over your last application from years gone by, and no red flags. And as we talked about a couple weeks ago, you have nothing else that's popped up in your house. So it shouldn't take any longer than an hour, and that'll only be if, like, you have any questions or something like that.\n\nOutside of that, once the application goes through and is approved, the insurer will generally... Like, I I basically say it takes about two weeks. It's just the insurer will do all their checks, issue what's called the... Send you your currency and policy schedule to you, and they will then request payment, and then payment gets made. I've set up for the payment methodology to basically be direct debit from the SMSF cash account.\n\nIt's the easiest method for SMSF payments. There is one other method, which is basically they invoice you when you pay the invoice. Yeah. No. No.\n\nIt's so fine. No. I know. Yeah. You did alright.\n\nThe only other document for you to sign is essentially the the quote. So it just... It details out the quote. As I said, the premiums are set. So this is something I'd wanna review with you at a minimum every two years.\n\nIt's just a touch base to say, hey. How much does the mortgage drop by? Let's drop the policy by a little bit, and we would just decrease it. But the annualized, like, pre... Like, the premium projections are written in that because as you get older, the premiums do increase.\n\nThat's okay. What I'll do is I will leave it with you, and I will task Maddie, who you spoke to to organize our initial meeting. I'll task her to follow-up with you in a week. Perfect. Alright.\n\nWell, I will let you go, do everything you need to do, and we... I'll touch base with you in a week. Too. Thanks, Hazel. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":5.8399997,"end":6.3399997,"sentiment":"neutral","sentiment_score":-0.06623829901218414},{"text":"Hi,.","start":6.72,"end":7.22,"sentiment":"neutral","sentiment_score":-0.009086476638913156},{"text":"How are you going?","start":7.6,"end":8.5,"sentiment":"neutral","sentiment_score":-0.03757838159799576},{"text":"How are you doing, though?","start":21.285,"end":22.585,"sentiment":"neutral","sentiment_score":-0.0030910752713680266},{"text":"No.","start":32.34,"end":32.579998,"sentiment":"neutral","sentiment_score":-0.16826999187469482}],"sentiment":"neutral","sentiment_score":-0.03411363918955127,"num_words":12,"start":5.8399997,"end":32.579998},{"sentences":[{"text":"You're so fine.","start":32.579998,"end":33.88,"sentiment":"neutral","sentiment_score":0.29094309608141583},{"text":"I got I got stuck on the phone with Superfunds.","start":34.02,"end":37.0,"sentiment":"neutral","sentiment_score":0.04975839350372553},{"text":"So I got stuck on the phone to one of the super funds, so I get it.","start":37.22,"end":43.235,"sentiment":"neutral","sentiment_score":0.01871461048722267},{"text":"No.","start":48.175,"end":48.415,"sentiment":"neutral","sentiment_score":-0.1705860197544098},{"text":"You're okay.","start":48.415,"end":48.895,"sentiment":"neutral","sentiment_score":-0.059909285977482796}],"sentiment":"neutral","sentiment_score":0.04236839423802766,"num_words":33,"start":32.579998,"end":48.895},{"sentences":[{"text":"You're step ahead of me.","start":48.895,"end":49.775,"sentiment":"neutral","sentiment_score":-0.2105542927980423},{"text":"I'm kinda glaring at my husband at the moment asking if he'll kind of make food for me.","start":49.775,"end":53.49,"sentiment":"negative","sentiment_score":-0.41354956726233166},{"text":"Yeah.","start":61.010002,"end":61.510002,"sentiment":"neutral","sentiment_score":0.029561424627900124},{"text":"No.","start":62.050003,"end":62.45,"sentiment":"neutral","sentiment_score":-0.12476249039173126},{"text":"I'm I'm right there with you.","start":62.45,"end":63.65,"sentiment":"neutral","sentiment_score":-0.11715249965588252}],"sentiment":"neutral","sentiment_score":-0.2998316044648809,"num_words":31,"start":48.895,"end":63.65},{"sentences":[{"text":"I don't either.","start":63.65,"end":64.29,"sentiment":"neutral","sentiment_score":-0.17270505925019583},{"text":"Breakfast is basically a coffee at about 10:30.","start":64.29,"end":67.11,"sentiment":"neutral","sentiment_score":-0.049718297086656094},{"text":"Yeah.","start":90.63,"end":90.869995,"sentiment":"neutral","sentiment_score":-0.05796997249126434},{"text":"No.","start":90.869995,"end":91.369995,"sentiment":"neutral","sentiment_score":-0.1632322072982788},{"text":"I agree.","start":91.59,"end":92.229996,"sentiment":"neutral","sentiment_score":-0.14050227403640747}],"sentiment":"neutral","sentiment_score":-0.09453788548707961,"num_words":15,"start":63.65,"end":92.229996},{"sentences":[{"text":"It's it's it's probably not the best diet I've I've I've come up with in the last.","start":92.229996,"end":96.985,"sentiment":"negative","sentiment_score":-0.38243040442466736},{"text":"But from 10:00, I am itching for coughing.","start":97.285,"end":101.94501,"sentiment":"neutral","sentiment_score":-0.13530421233735979},{"text":"Absolutely.","start":108.07,"end":108.57,"sentiment":"positive","sentiment_score":0.3634768724441528},{"text":"Well, I'm working from home today, so I'm actually neither.","start":117.11,"end":120.149994,"sentiment":"neutral","sentiment_score":-0.0015195467509329318},{"text":"I'm halfway between.","start":120.149994,"end":121.29,"sentiment":"neutral","sentiment_score":-0.00028321705758571625}],"sentiment":"neutral","sentiment_score":-0.18554663641426045,"num_words":39,"start":92.229996,"end":121.29},{"sentences":[{"text":"Yeah.","start":123.465,"end":123.545,"sentiment":"neutral","sentiment_score":0.09530764818191528},{"text":"Yeah.","start":123.545,"end":124.025,"sentiment":"neutral","sentiment_score":0.06263744831085205},{"text":"But it's actually...","start":124.025,"end":126.685,"sentiment":"neutral","sentiment_score":0.038409218192100525},{"text":"Gorgeous sky is nice and hot, but the wind is biting, and it is long ago.","start":127.225,"end":139.23,"sentiment":"neutral","sentiment_score":0.16290428978390992},{"text":"Absolutely.","start":139.23,"end":139.73,"sentiment":"neutral","sentiment_score":0.06330312788486481}],"sentiment":"neutral","sentiment_score":0.13377020524984057,"num_words":22,"start":123.465,"end":139.73},{"sentences":[{"text":"Always.","start":139.87,"end":140.37,"sentiment":"neutral","sentiment_score":0.08471868932247162},{"text":"How about you?","start":141.31,"end":142.12999,"sentiment":"neutral","sentiment_score":0.09738654394944508},{"text":"Right.","start":149.955,"end":150.455,"sentiment":"neutral","sentiment_score":0.026592284440994263},{"text":"It's...","start":150.595,"end":151.095,"sentiment":"neutral","sentiment_score":0.028791476041078568},{"text":"Yeah.","start":151.235,"end":151.715,"sentiment":"neutral","sentiment_score":0.0707215964794159}],"sentiment":"neutral","sentiment_score":0.07185481116175652,"num_words":7,"start":139.87,"end":151.715},{"sentences":[{"text":"Like, the the weather has definitely turned for the warmer.","start":151.715,"end":155.075,"sentiment":"neutral","sentiment_score":0.19424655437469482},{"text":"Thank god.","start":155.075,"end":156.375,"sentiment":"neutral","sentiment_score":0.2279071807861328},{"text":"Yes.","start":159.635,"end":160.135,"sentiment":"neutral","sentiment_score":0.04647179692983627},{"text":"I have.","start":160.19499,"end":160.83499,"sentiment":"neutral","sentiment_score":0.04741382412612438},{"text":"I have been to Adelaide.","start":160.83499,"end":162.135,"sentiment":"neutral","sentiment_score":0.04626364484429359}],"sentiment":"neutral","sentiment_score":0.13854487873613835,"num_words":20,"start":151.715,"end":162.135},{"sentences":[{"text":"I spent quite a bit of time in Adelaide and then inland towards Barry.","start":163.43,"end":172.81,"sentiment":"neutral","sentiment_score":0.03998699598014355},{"text":"Yeah.","start":176.265,"end":176.50499,"sentiment":"neutral","sentiment_score":-0.006621810607612133},{"text":"Just just a little bit back and onto the Margaret River.","start":176.50499,"end":178.92499,"sentiment":"neutral","sentiment_score":-0.0009308249943635681},{"text":"Yeah.","start":188.665,"end":189.14499,"sentiment":"neutral","sentiment_score":-0.01765173301100731},{"text":"I'm...","start":189.14499,"end":189.64499,"sentiment":"neutral","sentiment_score":-0.01752496138215065}],"sentiment":"neutral","sentiment_score":0.018135012992258583,"num_words":28,"start":163.43,"end":189.64499},{"sentences":[{"text":"Honestly, I'm more of a summer girl myself, but I can see the appeal to the heat, I guess.","start":189.70499,"end":200.04,"sentiment":"neutral","sentiment_score":-0.0012918085251983843},{"text":"Like...","start":200.34,"end":200.73999,"sentiment":"neutral","sentiment_score":-0.04367513209581375},{"text":"I'm sorry.","start":200.73999,"end":201.14,"sentiment":"neutral","sentiment_score":-0.05968247354030609},{"text":"I can...","start":201.14,"end":201.79999,"sentiment":"neutral","sentiment_score":-0.027478966861963272},{"text":"I can see the appeal to, like, the dry weather versus, like, your your really humid humid weather.","start":202.09999,"end":206.76,"sentiment":"neutral","sentiment_score":0.012426377972587943}],"sentiment":"neutral","sentiment_score":-0.0004492278898223525,"num_words":42,"start":189.70499,"end":206.76},{"sentences":[{"text":"But, yeah, we were we were down...","start":207.835,"end":211.135,"sentiment":"neutral","sentiment_score":-0.028310822589056834},{"text":"We spent a good six months, and it was all during winter.","start":211.435,"end":215.135,"sentiment":"neutral","sentiment_score":-0.05923215734461943},{"text":"And my toes have never been so soft bitten, and I wasn't the biggest fan of it.","start":217.115,"end":221.91501,"sentiment":"neutral","sentiment_score":-0.15405183899052002},{"text":"But it was quite...","start":221.91501,"end":223.29001,"sentiment":"neutral","sentiment_score":-0.03031863644719124},{"text":"It was lovely.","start":223.29001,"end":224.11,"sentiment":"neutral","sentiment_score":0.27596713105837506}],"sentiment":"neutral","sentiment_score":-0.06560967585375142,"num_words":43,"start":207.835,"end":224.11},{"sentences":[{"text":"We were...","start":225.77,"end":226.41,"sentiment":"neutral","sentiment_score":0.0466226190328598},{"text":"Well, it was a lifetime ago now.","start":226.41,"end":227.85,"sentiment":"neutral","sentiment_score":-0.047381721436977386},{"text":"Well, at least two of my children's lifetimes ago.","start":227.85,"end":230.43001,"sentiment":"neutral","sentiment_score":-0.03034126034213437},{"text":"Oh, it was a lifetime ago, specifically two of my children.","start":233.21,"end":236.11,"sentiment":"neutral","sentiment_score":-0.04448013583367521},{"text":"Oh, lovely.","start":247.685,"end":248.425,"sentiment":"positive","sentiment_score":0.6450327932834625}],"sentiment":"neutral","sentiment_score":0.009331804429811815,"num_words":31,"start":225.77,"end":248.425},{"sentences":[{"text":"Oh, beautiful.","start":251.73,"end":258.22998,"sentiment":"positive","sentiment_score":0.43674100935459137},{"text":"Oh, absolutely.","start":263.09,"end":263.84,"sentiment":"neutral","sentiment_score":0.2920267879962921},{"text":"So I have sent you I sent you the the...","start":283.45,"end":293.13,"sentiment":"neutral","sentiment_score":0.04710953235626221},{"text":"A document pack, I guess, which connects to the that we can go through today.","start":293.13,"end":299.095,"sentiment":"neutral","sentiment_score":0.06410776500900586},{"text":"I went through the private research, and I put everything together.","start":300.595,"end":304.13498,"sentiment":"neutral","sentiment_score":0.0770582461898977}],"sentiment":"neutral","sentiment_score":0.0934472025372088,"num_words":40,"start":251.73,"end":304.13498},{"sentences":[{"text":"I have got options as well for you in the event that you wanted to go in a different direction that we can kind of discuss and go through.","start":304.995,"end":314.91,"sentiment":"neutral","sentiment_score":0.11462321337954752},{"text":"So, yeah, that should be in your emails.","start":317.93,"end":320.27,"sentiment":"neutral","sentiment_score":0.120039789006114},{"text":"Yeah.","start":323.565,"end":323.88498,"sentiment":"neutral","sentiment_score":0.03589288890361786},{"text":"Yes.","start":323.88498,"end":324.125,"sentiment":"neutral","sentiment_score":0.051176704466342926},{"text":"Yeah.","start":324.125,"end":324.44498,"sentiment":"neutral","sentiment_score":0.04934287071228027}],"sentiment":"neutral","sentiment_score":0.11052009910345077,"num_words":40,"start":304.995,"end":324.44498},{"sentences":[{"text":"Like, literally, while I was doing the phone, I'd press send.","start":324.44498,"end":327.26498,"sentiment":"neutral","sentiment_score":0.02477323670278896},{"text":"Yeah.","start":365.19998,"end":365.69998,"sentiment":"neutral","sentiment_score":-0.012566417455673218},{"text":"No.","start":384.985,"end":385.465,"sentiment":"neutral","sentiment_score":-0.04358309879899025},{"text":"Generally, majority, we keep them in, like, the regular London bolt.","start":385.465,"end":391.16498,"sentiment":"neutral","sentiment_score":0.040143873457881535},{"text":"Perfect.","start":435.015,"end":435.515,"sentiment":"positive","sentiment_score":0.4981917142868042}],"sentiment":"neutral","sentiment_score":0.04624521639198065,"num_words":25,"start":324.44498,"end":435.515},{"sentences":[{"text":"So insurance.","start":435.575,"end":437.195,"sentiment":"neutral","sentiment_score":0.1881246715784073},{"text":"I went through and had a look at everything.","start":438.375,"end":442.155,"sentiment":"neutral","sentiment_score":0.08845284581184387},{"text":"And based on our conversation and what we wanted to basically cover, I looked at what we could kind of go through and do.","start":443.015,"end":452.02,"sentiment":"neutral","sentiment_score":0.0905228288223346},{"text":"So, originally, we spoke about covering, like, the mortgage, so about $220,000 worth of the mortgage, just getting that covered off and done.","start":452.56,"end":463.715,"sentiment":"neutral","sentiment_score":0.08182985983465028},{"text":"And then we spoke about putting a little bit extra in your income protection, like, getting income protection put in place and making sure that we were sort of covered there.","start":464.17502,"end":474.80002,"sentiment":"neutral","sentiment_score":0.06315054071526374}],"sentiment":"neutral","sentiment_score":0.08072613916370307,"num_words":89,"start":435.575,"end":474.80002},{"sentences":[{"text":"I looked at...","start":475.02,"end":476.08002,"sentiment":"neutral","sentiment_score":-0.0006259034077326456},{"text":"Because with income protection, as we discussed, it has different waiting periods, different benefit periods.","start":477.26,"end":482.7,"sentiment":"neutral","sentiment_score":-0.05649121689299742},{"text":"So I looked at what...","start":482.7,"end":484.655,"sentiment":"neutral","sentiment_score":-0.03178295083343983},{"text":"You know, if we went to, like, the whole hog had, like, the longest longest benefit period, shortest waiting period, what that would do, and what that cost would be.","start":484.715,"end":493.53497,"sentiment":"neutral","sentiment_score":-0.1019193903853496},{"text":"To do a policy that had a sixty day waiting period...","start":495.19498,"end":501.87,"sentiment":"neutral","sentiment_score":-0.044228893450715324}],"sentiment":"neutral","sentiment_score":-0.07112906652037054,"num_words":64,"start":475.02,"end":501.87},{"sentences":[{"text":"Sorry.","start":503.05,"end":503.44998,"sentiment":"neutral","sentiment_score":-0.2892613410949707},{"text":"A thirty day waiting period and a a sixty five benefit period.","start":503.44998,"end":507.31,"sentiment":"neutral","sentiment_score":-0.3304153233766556},{"text":"It ended up being quite...","start":507.53,"end":509.47,"sentiment":"negative","sentiment_score":-0.39610564708709717},{"text":"It's, like, really, really quite expensive.","start":510.00998,"end":512.35,"sentiment":"negative","sentiment_score":-0.737274299065272},{"text":"And it wasn't worth it for us.","start":513.495,"end":516.375,"sentiment":"negative","sentiment_score":-0.6472189170973641}],"sentiment":"negative","sentiment_score":-0.48996618293946786,"num_words":31,"start":503.05,"end":516.375},{"sentences":[{"text":"I'm just...","start":516.375,"end":517.115,"sentiment":"neutral","sentiment_score":-0.043643198907375336},{"text":"I realized I didn't...","start":517.65497,"end":518.875,"sentiment":"neutral","sentiment_score":-0.12886248715221882},{"text":"Yes.","start":525.26,"end":525.42,"sentiment":"neutral","sentiment_score":-0.07007893174886703},{"text":"Yeah.","start":525.42,"end":525.74,"sentiment":"neutral","sentiment_score":-0.1121932417154312},{"text":"How long you have to be off work before the policy kicks in?","start":525.74,"end":528.54,"sentiment":"neutral","sentiment_score":-0.22964173899247095}],"sentiment":"neutral","sentiment_score":-0.17954052984714508,"num_words":21,"start":516.375,"end":528.54},{"sentences":[{"text":"So, basically, income protection won't cover you if you get, like, a common cold when you're off work for a week.","start":528.54,"end":532.8,"sentiment":"neutral","sentiment_score":-0.27164902644498007},{"text":"But if you end up with something more serious, then, yes, it will cover you.","start":534.38,"end":538.27496,"sentiment":"neutral","sentiment_score":0.09515818133950234},{"text":"But you have to wait out a thirty day waiting period before the policy will start accumulating a benefit.","start":538.27496,"end":544.375,"sentiment":"neutral","sentiment_score":-0.15425834491064674},{"text":"So in the first thirty days when you're off, you don't you don't get back paid for the waiting period.","start":544.51495,"end":551.235,"sentiment":"neutral","sentiment_score":-0.1752881534397602},{"text":"No.","start":551.235,"end":551.67,"sentiment":"neutral","sentiment_score":-0.08915124833583832}],"sentiment":"neutral","sentiment_score":-0.14214578560112337,"num_words":76,"start":528.54,"end":551.67},{"sentences":[{"text":"But I did pick an insurer.","start":553.58997,"end":555.19,"sentiment":"neutral","sentiment_score":0.10344741493463516},{"text":"So I I went with Zurich in terms of the insurer.","start":555.19,"end":558.47,"sentiment":"neutral","sentiment_score":0.10988072373650291},{"text":"So Zurich differs from a lot of other insurers because what they...","start":558.47,"end":561.43,"sentiment":"neutral","sentiment_score":0.024894167281066377},{"text":"What what the standard is is basically waiting period happens, you start accumulating the benefit, and at the end of the month, as in at the end of your accumulation month...","start":561.43,"end":572.195,"sentiment":"neutral","sentiment_score":-0.017814398773254886},{"text":"So if you if you stop work on the fifteenth, you wait your thirty days, which will end up being, say...","start":572.195,"end":577.395,"sentiment":"neutral","sentiment_score":-0.05688657150382087}],"sentiment":"neutral","sentiment_score":0.00470664314235802,"num_words":81,"start":553.58997,"end":577.395},{"sentences":[{"text":"Let's just say it's the seventeenth, and you start accumulating a benefit from the seventeenth of a month, what most providers will do is they won't pay you until the seventeenth of next month.","start":577.395,"end":588.28,"sentiment":"neutral","sentiment_score":-0.06423594260259587},{"text":"Because as as of the sixteenth, that'll close out your month.","start":588.34,"end":590.5,"sentiment":"neutral","sentiment_score":-0.04988850382241336},{"text":"They pay you on the seventeenth, and you'll get the money in two to three business days based on bank processing.","start":590.5,"end":596.69495,"sentiment":"neutral","sentiment_score":-0.011894132115966863},{"text":"What Zurich do is Zurich actually pay day 15.","start":597.07495,"end":600.295,"sentiment":"neutral","sentiment_score":0.08203039442499478},{"text":"So, essentially, what that means is they pay in the middle of the month based on where everything fits.","start":600.995,"end":607.56,"sentiment":"neutral","sentiment_score":0.07300295994469994}],"sentiment":"neutral","sentiment_score":-0.009119601874424026,"num_words":94,"start":577.395,"end":607.56},{"sentences":[{"text":"So so, like, that kind of situation, seventeenth through, you'd end up kinda getting a payment, say, day 30 ish, like, the thirtieth of the month.","start":609.72,"end":618.94,"sentiment":"neutral","sentiment_score":0.04527163605850477},{"text":"So they pay mid month, which is really good because that's obviously getting you money through now rather than, like, essentially waiting sixty days before your first benefit.","start":620.12,"end":630.28503,"sentiment":"positive","sentiment_score":0.5867261801447187},{"text":"Yeah.","start":649.065,"end":649.305,"sentiment":"neutral","sentiment_score":0.0014782408252358437},{"text":"Yeah.","start":649.305,"end":649.545,"sentiment":"neutral","sentiment_score":0.009096591733396052},{"text":"We can we can extend out the waiting period at any time.","start":649.545,"end":652.985,"sentiment":"neutral","sentiment_score":0.12534732154260078}],"sentiment":"neutral","sentiment_score":0.2811785040094572,"num_words":68,"start":609.72,"end":652.985},{"sentences":[{"text":"That's that's actually really easy to extend out the waiting period.","start":652.985,"end":656.365,"sentiment":"neutral","sentiment_score":0.18713334202766418},{"text":"Extending out the benefit of reducing the waiting period is not as easy.","start":656.745,"end":662.19995,"sentiment":"neutral","sentiment_score":-0.09690945738783249},{"text":"That is not impossible.","start":663.62,"end":664.83997,"sentiment":"neutral","sentiment_score":0.10738449171185493},{"text":"I did just...","start":665.69995,"end":666.42,"sentiment":"neutral","sentiment_score":0.03391930957635244},{"text":"I didn't send you the appendix.","start":666.42,"end":668.18,"sentiment":"neutral","sentiment_score":-0.015184137194106976}],"sentiment":"neutral","sentiment_score":0.03348202401822483,"num_words":37,"start":652.985,"end":668.18},{"sentences":[{"text":"So what I'm gonna do is I'm gonna email it to you separately because it's just sort of addendum to the advice.","start":668.18,"end":675.675,"sentiment":"neutral","sentiment_score":0.0862103510986675},{"text":"It's got, like, a little bit other research that I put together in it, and I want you to have it as a document.","start":675.675,"end":682.095,"sentiment":"neutral","sentiment_score":0.10456387900436918},{"text":"I just stupidly didn't attach it to the whole file when I sent it.","start":682.315,"end":686.04,"sentiment":"neutral","sentiment_score":-0.1533316144985812},{"text":"Mhmm.","start":686.19995,"end":686.69995,"sentiment":"neutral","sentiment_score":0.007607018109411001},{"text":"It's in the morning.","start":687.56,"end":688.6,"sentiment":"neutral","sentiment_score":0.006125511834397912}],"sentiment":"neutral","sentiment_score":0.03525580434988324,"num_words":65,"start":668.18,"end":688.6},{"sentences":[{"text":"It's in the morning.","start":688.6,"end":689.57996,"sentiment":"neutral","sentiment_score":0.006700355093926191},{"text":"Mhmm.","start":690.27997,"end":690.77997,"sentiment":"neutral","sentiment_score":0.00953363999724388},{"text":"So, essentially speaking, with respect to everything, I I looked at...","start":691.56,"end":698.6,"sentiment":"neutral","sentiment_score":-0.0011234573850577528},{"text":"Because we...","start":698.6,"end":699.07996,"sentiment":"neutral","sentiment_score":-0.015146966092288494},{"text":"When we spoke, we were talking about making sure that you had the the mortgage paid off and then replacing your income if you were never able to work again.","start":699.07996,"end":708.245,"sentiment":"neutral","sentiment_score":-0.03680660960574945}],"sentiment":"neutral","sentiment_score":-0.023135733150411397,"num_words":48,"start":688.6,"end":708.245},{"sentences":[{"text":"Now I pay...","start":708.38495,"end":709.605,"sentiment":"neutral","sentiment_score":0.00398895051330328},{"text":"What I did was I built it all on the IP policy.","start":709.665,"end":712.00494,"sentiment":"neutral","sentiment_score":0.0225221977258722},{"text":"So I looked at...","start":712.14496,"end":712.865,"sentiment":"neutral","sentiment_score":0.006874770857393742},{"text":"If we could get IP to cover you all the way through until you were 65, happy days, because you have an income coming in every single month until, basically, retirement...","start":712.865,"end":722.26996,"sentiment":"neutral","sentiment_score":0.022127774574102893},{"text":"Until retirement age.","start":722.26996,"end":723.41,"sentiment":"neutral","sentiment_score":-0.04954038684566816}],"sentiment":"neutral","sentiment_score":0.015982493564908235,"num_words":53,"start":708.38495,"end":723.41},{"sentences":[{"text":"But the premium on that were, like, $11 a year.","start":725.23,"end":729.25,"sentiment":"neutral","sentiment_score":-0.1662318579852581},{"text":"So way too expensive to be able to upkeep from from an overall perspective.","start":730.82996,"end":738.405,"sentiment":"neutral","sentiment_score":-0.15017150289246015},{"text":"Like, it's your contributions...","start":738.405,"end":739.865,"sentiment":"neutral","sentiment_score":-0.01335445826407522},{"text":"Your...","start":740.325,"end":740.825,"sentiment":"neutral","sentiment_score":-0.12527523934841156},{"text":"It's it's your contribution from your employer, basically.","start":741.685,"end":743.925,"sentiment":"neutral","sentiment_score":0.01317202408972662}],"sentiment":"neutral","sentiment_score":-0.10373071621713303,"num_words":37,"start":725.23,"end":743.925},{"sentences":[{"text":"Every year, contribution's gonna come in, and you're gonna have to pay them out to the the insurer.","start":743.925,"end":747.83,"sentiment":"neutral","sentiment_score":-0.07377838291641739},{"text":"It just...","start":747.97003,"end":748.37006,"sentiment":"neutral","sentiment_score":-0.08101459592580795},{"text":"It didn't it didn't mathematically work.","start":748.37006,"end":750.55005,"sentiment":"neutral","sentiment_score":-0.21730006982882819},{"text":"So then what I looked at was I looked at, well, could we have offsets to that?","start":752.45,"end":757.09,"sentiment":"neutral","sentiment_score":-0.0378228217801627},{"text":"Could I reduce that?","start":757.09,"end":758.39,"sentiment":"neutral","sentiment_score":-0.11175802163779736}],"sentiment":"neutral","sentiment_score":-0.08263533106668199,"num_words":47,"start":743.925,"end":758.39},{"sentences":[{"text":"You know, if you were totally disabled, Centrelink would, you know, be able to step in and provide a little bit of a benefit.","start":758.93005,"end":764.185,"sentiment":"neutral","sentiment_score":-0.026376040109122794},{"text":"How does that work to reduce things down?","start":764.325,"end":766.42505,"sentiment":"neutral","sentiment_score":-0.039523168466985226},{"text":"I looked at...","start":767.125,"end":768.10504,"sentiment":"neutral","sentiment_score":-0.038528078546126686},{"text":"So, basically, if you would replace your full income on everything, we were looking at nearly 1,400,000 for TPD.","start":768.48505,"end":774.66504,"sentiment":"neutral","sentiment_score":-0.0757716249086355},{"text":"And 1,400,000 for TPD just ended up again being too expensive, and agent occupation comes into it.","start":776.73,"end":786.43,"sentiment":"negative","sentiment_score":-0.3518441652550417}],"sentiment":"neutral","sentiment_score":-0.11951839758581678,"num_words":71,"start":758.93005,"end":786.43},{"sentences":[{"text":"And it just...","start":786.97,"end":787.69,"sentiment":"neutral","sentiment_score":-0.09333980828523636},{"text":"It didn't it didn't work out well in terms of what your super funds have to pay.","start":787.69,"end":794.415,"sentiment":"negative","sentiment_score":-0.3987015450701994},{"text":"And I I I...","start":795.035,"end":796.415,"sentiment":"neutral","sentiment_score":-0.14461087062954903},{"text":"Ultimately, your super fund is still there to be able to grow.","start":796.475,"end":798.71497,"sentiment":"neutral","sentiment_score":0.02146247774362564},{"text":"While you may have precious metals in it, it still needs to grow.","start":798.71497,"end":801.675,"sentiment":"neutral","sentiment_score":-0.17798259968941027}],"sentiment":"neutral","sentiment_score":-0.1978084334001249,"num_words":49,"start":786.97,"end":801.675},{"sentences":[{"text":"I don't want you having to dip into the precious metals to pay for insurance premium.","start":801.675,"end":806.52,"sentiment":"negative","sentiment_score":-0.4132064413279295},{"text":"That makes no sense because then you are having to sell...","start":806.52,"end":808.54,"sentiment":"negative","sentiment_score":-0.3507777222178199},{"text":"Actually, actually sell.","start":808.76,"end":810.22,"sentiment":"neutral","sentiment_score":-0.030083512266476948},{"text":"So I wanted to keep it to a point where you would actually have money to be able to do everything you wanna do in terms of buying more precious metals and or diversifying property due to in the future.","start":811.8,"end":823.085,"sentiment":"neutral","sentiment_score":0.23923335149884223},{"text":"But we have, like, a decent amount of money that if something happened to you, we're gonna be okay.","start":826.105,"end":829.805,"sentiment":"neutral","sentiment_score":0.22061834523552343}],"sentiment":"neutral","sentiment_score":0.03596600086501475,"num_words":89,"start":801.675,"end":829.805},{"sentences":[{"text":"So what I ended up settling on in terms of an outcome was a thirty day wait, two year benefit for your income protection, and then 750,000 worth of TPD.","start":830.025,"end":844.34,"sentiment":"neutral","sentiment_score":0.20001053561766943},{"text":"Now I looked at...","start":844.8,"end":845.84,"sentiment":"neutral","sentiment_score":0.0007151823956519365},{"text":"Because we talked about life cover, we only wanted to cover the house.","start":845.84,"end":848.985,"sentiment":"neutral","sentiment_score":-0.049088928275383435},{"text":"I looked at what it would look like if we had, say, $2.20 worth of life cover and then $7.50 worth of TPD, which would ultimately mean that you had two different TPD policies.","start":849.225,"end":858.925,"sentiment":"neutral","sentiment_score":-0.048383246929220414},{"text":"You have, like...","start":860.825,"end":861.46497,"sentiment":"neutral","sentiment_score":-0.031837087124586105}],"sentiment":"neutral","sentiment_score":0.04314856039958873,"num_words":84,"start":830.025,"end":861.46497},{"sentences":[{"text":"We could have one that was linked to the life cover and then a second one that was a stand alone.","start":861.46497,"end":866.09,"sentiment":"neutral","sentiment_score":-0.07422142484713168},{"text":"And when you have a TPV policy that's stand alone, it becomes really expensive.","start":866.23004,"end":870.57,"sentiment":"neutral","sentiment_score":-0.29846106256757465},{"text":"It's like...","start":871.43005,"end":872.23004,"sentiment":"neutral","sentiment_score":-0.10591595619916916},{"text":"I I can get down into the nitty gritty of it, but high...","start":872.23004,"end":874.87,"sentiment":"neutral","sentiment_score":-0.0796915332858379},{"text":"Higher, overarchingly, it's basically just the way they structure it.","start":874.87,"end":879.075,"sentiment":"neutral","sentiment_score":-0.19422651678323746}],"sentiment":"neutral","sentiment_score":-0.14878653017804028,"num_words":60,"start":861.46497,"end":879.075},{"sentences":[{"text":"It just becomes more expensive.","start":879.635,"end":881.335,"sentiment":"negative","sentiment_score":-0.380848640203476},{"text":"Because, realistically, the chances are if someone's TPD'd, there's a high possibility that they're actually about to pass away.","start":882.675,"end":890.055,"sentiment":"negative","sentiment_score":-0.5240279263571689},{"text":"Statistically, they're probably terminal.","start":891.155,"end":893.09503,"sentiment":"negative","sentiment_score":-0.47249364107847214},{"text":"So therefore, insurers kind of have it that if you link the life and TPD policy, we'll make it cheaper for you because realistically, while there's two benefits and two possibilities to claim, you're probably only actually gonna claim one of the benefits.","start":893.75,"end":905.05,"sentiment":"neutral","sentiment_score":-0.054155296537765234},{"text":"Yeah.","start":908.645,"end":908.885,"sentiment":"negative","sentiment_score":-0.3940584659576416}],"sentiment":"neutral","sentiment_score":-0.22879839698887533,"num_words":72,"start":879.635,"end":908.885},{"sentences":[{"text":"Essentially.","start":908.885,"end":909.385,"sentiment":"neutral","sentiment_score":-0.2471773326396942},{"text":"Which which...","start":911.045,"end":913.125,"sentiment":"neutral","sentiment_score":-0.07566382735967636},{"text":"With TPD, if you were terminal and you tried to apply for a standalone TPD policy, you have to survive to actually get that get that paid out, which can take twelve months to get a PPD policy paid out in some instances, obviously, depending on what the condition is and what happens.","start":913.125,"end":930.85004,"sentiment":"neutral","sentiment_score":-0.23279006835424676},{"text":"It just depends on diagnosis.","start":931.39,"end":932.77,"sentiment":"neutral","sentiment_score":-0.12795561403036118},{"text":"It depends on doctors.","start":932.91003,"end":934.705,"sentiment":"neutral","sentiment_score":-0.1080763004720211}],"sentiment":"neutral","sentiment_score":-0.21243787511036946,"num_words":65,"start":908.885,"end":934.705},{"sentences":[{"text":"Like, I've had TPD policies go through in...","start":935.16504,"end":937.66504,"sentiment":"neutral","sentiment_score":-0.0691785141825676},{"text":"Like, applications for client go through in two months.","start":937.72504,"end":941.265,"sentiment":"neutral","sentiment_score":-0.05354718160298136},{"text":"I've also had...","start":942.28503,"end":943.16504,"sentiment":"neutral","sentiment_score":-0.02988336111108462},{"text":"And it's pretty standard for a TPD policy to take six to twelve months because doctors are investigating.","start":943.16504,"end":950.55005,"sentiment":"neutral","sentiment_score":-0.1257139750652843},{"text":"The condition is still evolving.","start":950.93,"end":952.55005,"sentiment":"negative","sentiment_score":-0.37084798216819764}],"sentiment":"neutral","sentiment_score":-0.12190916961015658,"num_words":43,"start":935.16504,"end":952.55005},{"sentences":[{"text":"The, you know, the doctors are still actively doing treatment on on, you know, on the person trying to get them to recover even though the person may never actually fully recover until the doctor makes a determination that, no.","start":953.65,"end":970.135,"sentiment":"neutral","sentiment_score":-0.30752437487244605},{"text":"They are TPD.","start":970.135,"end":971.115,"sentiment":"negative","sentiment_score":-0.38916294773419696},{"text":"They're never gonna recover to the point where they're never gonna recover to the point where, you know, they're gonna be able to work again while they're going through all those investigations.","start":971.175,"end":980.27997,"sentiment":"negative","sentiment_score":-0.3499575280584395},{"text":"The insurer is being led by doctors.","start":980.82,"end":983.0,"sentiment":"neutral","sentiment_score":-0.19206292182207108},{"text":"And doctors always work on the optimistic side, not pessimistic, which can be really painful in my line of work.","start":983.54,"end":988.835,"sentiment":"negative","sentiment_score":-0.3355369810014963}],"sentiment":"neutral","sentiment_score":-0.32080671381132275,"num_words":102,"start":953.65,"end":988.835},{"sentences":[{"text":"When I'm sitting there going, you know the answer, just give it to me.","start":988.835,"end":991.815,"sentiment":"neutral","sentiment_score":-0.13548801466822624},{"text":"But all in all, ended up going with $7.50 was a license, 750 was a TPD.","start":994.67505,"end":1000.135,"sentiment":"neutral","sentiment_score":-0.012606240226887167},{"text":"I added a buyback in for the TBD.","start":1000.35504,"end":1002.81,"sentiment":"neutral","sentiment_score":0.005790513590909541},{"text":"So that means that...","start":1002.87,"end":1003.58997,"sentiment":"neutral","sentiment_score":-0.009134574793279173},{"text":"Let's just say, for argument's sake, in your line of work, you were to, and I am touching all of the words I can, you were to contract an illness that prevented you from being able to work, like, you need your core strength, your back, the ability to lift, move, and you were not able to do that anymore, TPD would be able to pay out.","start":1003.58997,"end":1028.02,"sentiment":"neutral","sentiment_score":-0.0872510747789447}],"sentiment":"neutral","sentiment_score":-0.07279420412495868,"num_words":109,"start":988.835,"end":1028.02},{"sentences":[{"text":"Within twelve months of your TPD being accepted and paying out, your life cover actually gets bought back, and that life cover policy stays in place.","start":1028.02,"end":1035.38,"sentiment":"neutral","sentiment_score":0.22764405206992075},{"text":"So you get to double dip on that policy because I have a specific inclusion of your TPD.","start":1035.38,"end":1040.4401,"sentiment":"neutral","sentiment_score":0.08432337548583746},{"text":"However, in the event, let's just say, that I had a client that's stroked and, you know, stroke causes TPD, we claim TPD, they passed away within six months of that TPD policy, the life policy would not pay out because during that twelve month period, the life policy is basically suspended.","start":1041.3049,"end":1061.25,"sentiment":"neutral","sentiment_score":-0.1925990879535675},{"text":"And it does happen.","start":1063.47,"end":1064.61,"sentiment":"neutral","sentiment_score":-0.1882710214704275},{"text":"It is a risk in structuring policy this way, But, ultimately speaking, the TPD policy is set to pay out your mortgage anyway, and the life policy would ultimately be a bit of a double dip.","start":1064.6699,"end":1077.8049,"sentiment":"neutral","sentiment_score":-0.22399452494250405}],"sentiment":"neutral","sentiment_score":-0.08379024591789964,"num_words":136,"start":1028.02,"end":1077.8049},{"sentences":[{"text":"The only reason the life policy is sitting at $7.50 is because it structurally makes things cheaper for you.","start":1077.8049,"end":1084.04,"sentiment":"neutral","sentiment_score":-0.062351969773053975},{"text":"By structuring things this way and going to the $7.50, the life CPD with the flyback and the IP, we're sitting at $27.49 and 34¢.","start":1087.7,"end":1098.615,"sentiment":"neutral","sentiment_score":0.08510599161187808},{"text":"It is, however, a stepped policy, which means that it will increase over the years.","start":1099.235,"end":1105.015,"sentiment":"neutral","sentiment_score":-0.07877029366791248},{"text":"So it does still need to be looked at as we get older and tailored.","start":1105.635,"end":1109.895,"sentiment":"neutral","sentiment_score":-0.03064369900772969},{"text":"Yes.","start":1112.54,"end":1112.9401,"sentiment":"neutral","sentiment_score":0.011100001633167269}],"sentiment":"neutral","sentiment_score":-0.010435858317627257,"num_words":75,"start":1077.8049,"end":1112.9401},{"sentences":[{"text":"2,000 750, essentially.","start":1112.9401,"end":1114.9601,"sentiment":"neutral","sentiment_score":0.03006284000972907},{"text":"Yes.","start":1117.5,"end":1118.0,"sentiment":"neutral","sentiment_score":0.1615322232246399},{"text":"So that's, I guess, overarchingly, the, like, main reasons.","start":1120.14,"end":1124.56,"sentiment":"neutral","sentiment_score":0.10720707972844441},{"text":"I have, like, on page 11 of the statement of advice, I have a full, like, breakdown of, like, the needs analysis from our discussion, what we were trying to replace, and where that sort of works at, and and sort of the calculation for how I got to your needs of, like, you know, the 1.39.","start":1125.1001,"end":1141.595,"sentiment":"neutral","sentiment_score":0.12403311698060286},{"text":"And then I haven't pressed send because I am autistically distracted today.","start":1142.5,"end":1148.36,"sentiment":"neutral","sentiment_score":-0.22404404605428377}],"sentiment":"neutral","sentiment_score":0.06826760458600957,"num_words":82,"start":1112.9401,"end":1148.36},{"sentences":[{"text":"I cannot multitask today.","start":1149.14,"end":1150.66,"sentiment":"negative","sentiment_score":-0.5001489967107773},{"text":"It is it is being a day of, like, pure focus one task at a time.","start":1150.66,"end":1154.44,"sentiment":"neutral","sentiment_score":-0.24532838817685843},{"text":"Yeah.","start":1159.735,"end":1160.235,"sentiment":"neutral","sentiment_score":-0.12600858509540558},{"text":"I know.","start":1160.855,"end":1161.4149,"sentiment":"neutral","sentiment_score":-0.20004259049892426},{"text":"I'm I'm...","start":1161.4149,"end":1162.2949,"sentiment":"neutral","sentiment_score":-0.3061986416578293}],"sentiment":"neutral","sentiment_score":-0.2825736498832703,"num_words":25,"start":1149.14,"end":1162.2949},{"sentences":[{"text":"I just can't focus on more than one thing at this time today.","start":1162.2949,"end":1165.4349,"sentiment":"negative","sentiment_score":-0.4579824713560251},{"text":"It's been really bad.","start":1165.655,"end":1166.875,"sentiment":"negative","sentiment_score":-0.6363562494516373},{"text":"Probably something to do with, like, sleep.","start":1167.015,"end":1168.455,"sentiment":"negative","sentiment_score":-0.4787531580243792},{"text":"But, anyway, I'm just gonna send send it to you.","start":1168.455,"end":1175.26,"sentiment":"neutral","sentiment_score":0.09360501915216446},{"text":"I've just sent that to you.","start":1200.08,"end":1201.86,"sentiment":"neutral","sentiment_score":0.0746859721839428}],"sentiment":"neutral","sentiment_score":-0.2616575801745057,"num_words":40,"start":1162.2949,"end":1201.86},{"sentences":[{"text":"We can look right back as well.","start":1202.7999,"end":1205.22,"sentiment":"neutral","sentiment_score":0.07665146089025907},{"text":"But, essentially, the the appendix just kind of has, like, the alternative quotes that I looked at.","start":1207.44,"end":1217.215,"sentiment":"neutral","sentiment_score":0.034880075494156164},{"text":"So you can see where I was looking with different, like, value sum amount and what those premiums look like.","start":1217.215,"end":1228.27,"sentiment":"neutral","sentiment_score":0.02811956200748682},{"text":"So, like, if I was gonna go with the $8.65 with literally $22,220,000 in life and CBD, we were looking at $10,230 a year.","start":1229.69,"end":1242.905,"sentiment":"neutral","sentiment_score":0.002293766476213932},{"text":"Yeah.","start":1244.805,"end":1245.305,"sentiment":"neutral","sentiment_score":0.033486925065517426}],"sentiment":"neutral","sentiment_score":0.02580362420691096,"num_words":69,"start":1202.7999,"end":1245.305},{"sentences":[{"text":"If we were looking at a five year benefit period on the IP with nearly 1,000,000 in in life insurance, we're looking at $77,000.","start":1245.765,"end":1253.56,"sentiment":"neutral","sentiment_score":0.03280848839009801},{"text":"If we want, like, 1.5 mil, two years waiting period, we're looking at 5,800.","start":1254.1001,"end":1260.2001,"sentiment":"neutral","sentiment_score":0.03627151210925409},{"text":"You know, if we're looking at 2,200 for life, 2,200 for TPD plus an additional $930 in TPD with a 30 and a two year sort of IP, we're looking at 7 and a half.","start":1262.02,"end":1274.375,"sentiment":"neutral","sentiment_score":0.02538868361817939},{"text":"Like, the premiums were just getting true up there to make it make sense.","start":1274.375,"end":1281.4,"sentiment":"neutral","sentiment_score":0.07078232416617018},{"text":"I just...","start":1282.5,"end":1282.9,"sentiment":"neutral","sentiment_score":-0.0186847522854805}],"sentiment":"neutral","sentiment_score":0.0352515938346473,"num_words":89,"start":1245.765,"end":1282.9},{"sentences":[{"text":"I...","start":1282.9,"end":1283.4,"sentiment":"neutral","sentiment_score":-0.036261577159166336},{"text":"It just...","start":1283.54,"end":1284.02,"sentiment":"neutral","sentiment_score":-0.08312317728996277},{"text":"It it didn't work.","start":1284.02,"end":1285.48,"sentiment":"neutral","sentiment_score":-0.2898208498954773},{"text":"So...","start":1291.2201,"end":1291.7201,"sentiment":"neutral","sentiment_score":0.06416593492031097},{"text":"Yeah.","start":1292.26,"end":1292.5,"sentiment":"neutral","sentiment_score":0.1208135262131691}],"sentiment":"neutral","sentiment_score":-0.13075687446528012,"num_words":9,"start":1282.9,"end":1292.5},{"sentences":[{"text":"So reason for recommendation is cost plus benefit gives you overall benefit of everything.","start":1292.5,"end":1302.945,"sentiment":"neutral","sentiment_score":0.32774077355861664},{"text":"In the in the, like, in the little...","start":1303.645,"end":1305.405,"sentiment":"neutral","sentiment_score":0.08289685379713774},{"text":"Like, they're literally just, like, screenshots of, like, the research data that I pull.","start":1305.405,"end":1310.1599,"sentiment":"neutral","sentiment_score":0.07308147102594376},{"text":"Like, I've I've formatted it nicely for you, but the, like, the premiums are rough.","start":1311.58,"end":1317.34,"sentiment":"neutral","sentiment_score":0.12457484404246012},{"text":"They're not quoted directly through the providers, but they're pretty accurate within a few dollars.","start":1317.34,"end":1321.9199,"sentiment":"neutral","sentiment_score":0.12286548862854639}],"sentiment":"neutral","sentiment_score":0.15130744310039462,"num_words":66,"start":1292.5,"end":1321.9199},{"sentences":[{"text":"Like, I gave alternatives for, like, some of the other providers that I looked at.","start":1324.1951,"end":1327.395,"sentiment":"neutral","sentiment_score":0.026862806951006252},{"text":"I didn't give you, like, the plethora of 15 providers.","start":1327.395,"end":1330.1151,"sentiment":"neutral","sentiment_score":-0.0506809089332819},{"text":"I gave you, like, the top few for each scenario.","start":1330.1151,"end":1332.8551,"sentiment":"neutral","sentiment_score":0.04711157288402319},{"text":"Didn't wanna overload you with, who's every single provider?","start":1333.635,"end":1336.4551,"sentiment":"neutral","sentiment_score":-0.03270852307064666},{"text":"Make those...","start":1338.01,"end":1338.75,"sentiment":"neutral","sentiment_score":0.012777188327163458}],"sentiment":"neutral","sentiment_score":0.0021397046258916025,"num_words":46,"start":1324.1951,"end":1338.75},{"sentences":[{"text":"But, yeah, it's...","start":1340.49,"end":1341.7101,"sentiment":"neutral","sentiment_score":-0.0012393246094385784},{"text":"It it is there.","start":1341.93,"end":1343.29,"sentiment":"neutral","sentiment_score":0.044977433048188686},{"text":"Now look look, the benefits with your SMSF is that when you do your tax return every year, the receipt for your insurance cover becomes a tax deduction.","start":1343.29,"end":1354.995,"sentiment":"neutral","sentiment_score":0.10348937261317458},{"text":"So you...","start":1354.995,"end":1356.115,"sentiment":"neutral","sentiment_score":0.04705009609460831},{"text":"You're able to literally claim the premiums back through the...","start":1356.115,"end":1361.095,"sentiment":"neutral","sentiment_score":0.12974602915346622}],"sentiment":"neutral","sentiment_score":0.09500967394164268,"num_words":47,"start":1340.49,"end":1361.095},{"sentences":[{"text":"The super funds get to claim the premiums back to a degree.","start":1361.235,"end":1365.79,"sentiment":"neutral","sentiment_score":0.07600306874761979},{"text":"It's not like you get dollar for dollar.","start":1365.93,"end":1368.11,"sentiment":"neutral","sentiment_score":-0.06474677845835686},{"text":"It's 15¢ on every dollar because that's the superannuation tax rate.","start":1368.41,"end":1372.35,"sentiment":"neutral","sentiment_score":0.05866199098527432},{"text":"Yep.","start":1377.37,"end":1377.87,"sentiment":"neutral","sentiment_score":0.02991332672536373},{"text":"Correct.","start":1378.65,"end":1379.145,"sentiment":"neutral","sentiment_score":0.05009094625711441}],"sentiment":"neutral","sentiment_score":0.03314646187936887,"num_words":33,"start":1361.235,"end":1379.145},{"sentences":[{"text":"Yep.","start":1379.385,"end":1379.465,"sentiment":"neutral","sentiment_score":0.020099610090255737},{"text":"The the insurance policy just becomes part of that.","start":1379.465,"end":1382.685,"sentiment":"neutral","sentiment_score":-0.0328348572883341},{"text":"Same thing would happen with your with your other insurance policy.","start":1382.905,"end":1388.125,"sentiment":"neutral","sentiment_score":-0.0830375196581537},{"text":"No.","start":1413.135,"end":1413.295,"sentiment":"neutral","sentiment_score":-0.2282400131225586},{"text":"I think it's okay.","start":1413.295,"end":1414.4349,"sentiment":"neutral","sentiment_score":-0.09305711276829243}],"sentiment":"neutral","sentiment_score":-0.06881904945923732,"num_words":26,"start":1379.385,"end":1414.4349},{"sentences":[{"text":"No.","start":1435.385,"end":1435.625,"sentiment":"neutral","sentiment_score":0.04733196273446083},{"text":"That's okay.","start":1435.625,"end":1436.4451,"sentiment":"neutral","sentiment_score":0.055527640506625175},{"text":"So, ultimately speaking, if you do wanna go ahead with it, like, I've...","start":1437.0651,"end":1440.5851,"sentiment":"neutral","sentiment_score":0.028235681928121127},{"text":"You have all the information there at the moment.","start":1440.5851,"end":1442.525,"sentiment":"neutral","sentiment_score":-0.011602698514858881},{"text":"I'm not someone that's gonna push you to be like, no.","start":1444.265,"end":1446.745,"sentiment":"neutral","sentiment_score":-0.05268473923206329}],"sentiment":"neutral","sentiment_score":-0.004402925260365009,"num_words":36,"start":1435.385,"end":1446.745},{"sentences":[{"text":"Sign now.","start":1446.745,"end":1447.305,"sentiment":"neutral","sentiment_score":-0.008914550766348839},{"text":"Sign today.","start":1447.305,"end":1448.045,"sentiment":"neutral","sentiment_score":0.024432415142655373},{"text":"Let's go.","start":1448.185,"end":1449.005,"sentiment":"neutral","sentiment_score":0.046779464930295944},{"text":"I want you to take, you know, a little bit of time to read over the document.","start":1449.8099,"end":1453.59,"sentiment":"neutral","sentiment_score":0.042660053381148505},{"text":"While it's not the biggest document I've ever sent in my life, it still does contain this information.","start":1453.73,"end":1458.95,"sentiment":"neutral","sentiment_score":-0.042447973146206804}],"sentiment":"neutral","sentiment_score":0.0020915134014879784,"num_words":41,"start":1446.745,"end":1458.95},{"sentences":[{"text":"So I just...","start":1464.395,"end":1464.875,"sentiment":"neutral","sentiment_score":0.0556689016520977},{"text":"I want you to take the time to read it.","start":1464.875,"end":1466.975,"sentiment":"neutral","sentiment_score":0.09239250645041466},{"text":"Ultimately speaking, it's...","start":1467.595,"end":1471.855,"sentiment":"neutral","sentiment_score":0.019861463457345963},{"text":"I mean, it...","start":1472.315,"end":1472.875,"sentiment":"neutral","sentiment_score":-0.002090628258883953},{"text":"It's probably the clearest I could probably outline it for you.","start":1472.875,"end":1478.075,"sentiment":"neutral","sentiment_score":0.01808657277036797}],"sentiment":"neutral","sentiment_score":0.04477321918432911,"num_words":30,"start":1464.395,"end":1478.075},{"sentences":[{"text":"But if you do wanna go with one of the alternatives that I do have lined out for you, for example, in the actual statement of advice on page 12, I have a alternative to basically provide a reduced amount of life and TPD and dropping it down to sort of 230,000.","start":1478.075,"end":1503.795,"sentiment":"neutral","sentiment_score":0.03452935116365552},{"text":"It was my first consideration that I made because we had talked about, like, just going from there, and that was paying the mortgage of 02/20 and then having a $630.16 coverage in the shortfall that your income protection policy would pay you.","start":1505.3999,"end":1525.615,"sentiment":"neutral","sentiment_score":0.01633222208380006},{"text":"So it's just...","start":1526.0751,"end":1526.875,"sentiment":"neutral","sentiment_score":-0.002693629823625088},{"text":"It's it's only a...","start":1526.875,"end":1527.995,"sentiment":"neutral","sentiment_score":-0.02791501022875309},{"text":"It's a reduced amount, but it it is a possibility it could go that way with a shorter waiting period type of thing.","start":1527.995,"end":1539.07,"sentiment":"neutral","sentiment_score":0.008159177944712017}],"sentiment":"neutral","sentiment_score":0.020525855779647828,"num_words":125,"start":1478.075,"end":1539.07},{"sentences":[{"text":"That...","start":1541.61,"end":1541.9299,"sentiment":"neutral","sentiment_score":-0.030274977907538417},{"text":"No.","start":1541.9299,"end":1542.09,"sentiment":"neutral","sentiment_score":-0.11014162003993988},{"text":"That would be, like, the $230 in TPD, $230 in IP...","start":1542.09,"end":1546.27,"sentiment":"neutral","sentiment_score":-0.0608276328579946},{"text":"Life insurance.","start":1546.41,"end":1547.15,"sentiment":"neutral","sentiment_score":-0.06999427266418934},{"text":"Sorry.","start":1547.29,"end":1547.79,"sentiment":"neutral","sentiment_score":-0.0413854643702507}],"sentiment":"neutral","sentiment_score":-0.06193091056775302,"num_words":16,"start":1541.61,"end":1547.79},{"sentences":[{"text":"We could drop it down to that, which does drastically reduce your premiums, but I just felt like it was too much of a shortfall in actually replacing your income.","start":1548.995,"end":1560.195,"sentiment":"neutral","sentiment_score":-0.27952461689710617},{"text":"If you did have a lifelong condition, like, you are 50, you have fifteen years...","start":1560.195,"end":1568.24,"sentiment":"neutral","sentiment_score":-0.23678970138231914},{"text":"You have ten years minimum before you can access your super.","start":1568.38,"end":1571.6,"sentiment":"neutral","sentiment_score":-0.17453838884830475},{"text":"And then realistically, it's sort of 65 that is most common for retirement.","start":1572.3,"end":1578.6849,"sentiment":"neutral","sentiment_score":-0.17618345813109323},{"text":"That's gonna give you the ability to to be able to build and grow your super over those fifteen years.","start":1580.825,"end":1584.985,"sentiment":"neutral","sentiment_score":0.24815822523087264}],"sentiment":"neutral","sentiment_score":-0.12567108714680994,"num_words":89,"start":1548.995,"end":1584.985},{"sentences":[{"text":"If we don't cover your income, we're gonna have a, like, a massive shortfall.","start":1584.985,"end":1589.565,"sentiment":"negative","sentiment_score":-0.4994265926735742},{"text":"The difference between your income on $92 versus Centrelink income...","start":1589.73,"end":1594.37,"sentiment":"neutral","sentiment_score":-0.2263634040951729},{"text":"Because $92, which is what your payslip stated, means that you're getting paid about 77 and change net, which if you migrate from 77 down to Centrelink's pay of 30 ish grand, it's it is quite a bit of a quite a bit of a difference.","start":1594.37,"end":1617.38,"sentiment":"neutral","sentiment_score":-0.24982334592420122},{"text":"And even if mortgage is paid off, like, there's still there's still that shortfall.","start":1617.84,"end":1621.46,"sentiment":"negative","sentiment_score":-0.39495051545756205},{"text":"I don't I don't believe that you're the second attached for 20 I thought you...","start":1627.515,"end":1645.0599,"sentiment":"neutral","sentiment_score":-0.14734505352874597}],"sentiment":"neutral","sentiment_score":-0.287747103739718,"num_words":99,"start":1584.985,"end":1645.0599},{"sentences":[{"text":"No.","start":1645.6,"end":1646.0,"sentiment":"neutral","sentiment_score":-0.10779879987239838},{"text":"You're okay.","start":1646.0,"end":1646.5599,"sentiment":"neutral","sentiment_score":-0.0759844072163105},{"text":"I thought you did, but I...","start":1646.5599,"end":1648.08,"sentiment":"neutral","sentiment_score":-0.06336450204253197},{"text":"There's only the one payslip, unless I'm actually blind, which is a possibility some days too.","start":1648.08,"end":1656.075,"sentiment":"neutral","sentiment_score":-0.08781525655649602},{"text":"Let me just have a look again.","start":1656.955,"end":1658.4349,"sentiment":"neutral","sentiment_score":-0.018257876991161277}],"sentiment":"neutral","sentiment_score":-0.06790012095007114,"num_words":32,"start":1645.6,"end":1658.4349},{"sentences":[{"text":"I'm just there.","start":1658.4349,"end":1659.455,"sentiment":"neutral","sentiment_score":-0.014680753151575724},{"text":"Oh my god.","start":1667.6749,"end":1668.235,"sentiment":"neutral","sentiment_score":-0.08330679684877396},{"text":"They are too...","start":1668.235,"end":1668.7949,"sentiment":"neutral","sentiment_score":-0.04476545130213102},{"text":"They're just back to back.","start":1668.7949,"end":1670.04,"sentiment":"neutral","sentiment_score":-0.03406300470232963},{"text":"No.","start":1673.7201,"end":1674.12,"sentiment":"neutral","sentiment_score":-0.09869353473186492}],"sentiment":"neutral","sentiment_score":-0.04648450414339701,"num_words":15,"start":1658.4349,"end":1674.12},{"sentences":[{"text":"No.","start":1674.12,"end":1674.36,"sentiment":"neutral","sentiment_score":-0.11690981686115264},{"text":"You are so fine, and I completely overlooked it.","start":1674.36,"end":1677.7201,"sentiment":"neutral","sentiment_score":-0.10618755883640713},{"text":"Absolutely overlooked it.","start":1677.7201,"end":1679.5,"sentiment":"neutral","sentiment_score":-0.11446783194939296},{"text":"It won't make a mammoth difference, but to the income protection, it will.","start":1684.505,"end":1689.5651,"sentiment":"neutral","sentiment_score":-0.09297942771361424},{"text":"Because I've currently quoted on $92, which is what your income is with KIPC, not including supporting abilities.","start":1689.785,"end":1700.49,"sentiment":"neutral","sentiment_score":-0.0786684254805247}],"sentiment":"neutral","sentiment_score":-0.0918355809355324,"num_words":44,"start":1674.12,"end":1700.49},{"sentences":[{"text":"So supporting abilities takes your income from 92 up to what is essentially a 100 and You don't work for you don't work for supportabilities?","start":1700.55,"end":1713.8651,"sentiment":"neutral","sentiment_score":-0.10076448529958724},{"text":"I knew you had the I knew you had the multiple jobs, but, yeah, when I only saw the one payslip, I was like, maybe I'm just insane.","start":1722.74,"end":1732.12,"sentiment":"neutral","sentiment_score":-0.2151288648269006},{"text":"Okay.","start":1734.085,"end":1734.585,"sentiment":"neutral","sentiment_score":-0.11129813641309738},{"text":"So we don't work we don't work with supporting abilities.","start":1734.725,"end":1737.845,"sentiment":"neutral","sentiment_score":-0.21301070898771285},{"text":"We we...","start":1737.845,"end":1738.745,"sentiment":"neutral","sentiment_score":-0.08273003995418549}],"sentiment":"neutral","sentiment_score":-0.16590281293699236,"num_words":66,"start":1700.55,"end":1738.745},{"sentences":[{"text":"Do we know what our income is, though?","start":1739.285,"end":1741.625,"sentiment":"neutral","sentiment_score":-0.0758055872283876},{"text":"Last year would have been about a 120.","start":1753.0,"end":1755.02,"sentiment":"neutral","sentiment_score":-0.06614359375089407},{"text":"K.","start":1764.655,"end":1765.155,"sentiment":"neutral","sentiment_score":-0.017483370378613472},{"text":"So I've done it I've done it on...","start":1765.375,"end":1767.875,"sentiment":"neutral","sentiment_score":-0.05771877849474549},{"text":"I've done your income protection on '92, which means that okay.","start":1768.015,"end":1775.53,"sentiment":"neutral","sentiment_score":-0.03998032195324248}],"sentiment":"neutral","sentiment_score":-0.05707251632379161,"num_words":36,"start":1739.285,"end":1775.53},{"sentences":[{"text":"Let me go back.","start":1776.87,"end":1777.9299,"sentiment":"neutral","sentiment_score":-0.010798819363117218},{"text":"Which means that the monthly benefit is $53.66, which...","start":1778.23,"end":1785.9299,"sentiment":"neutral","sentiment_score":-0.01969154179096222},{"text":"Because income protection is a taxable benefit.","start":1786.63,"end":1792.085,"sentiment":"neutral","sentiment_score":-0.10238583385944366},{"text":"It matters a a bit.","start":1800.065,"end":1802.085,"sentiment":"neutral","sentiment_score":-0.1765494555234909},{"text":"I know.","start":1808.48,"end":1810.72,"sentiment":"neutral","sentiment_score":-0.000461384654045105}],"sentiment":"neutral","sentiment_score":-0.06743666805602887,"num_words":27,"start":1776.87,"end":1810.72},{"sentences":[{"text":"Thank you.","start":1811.96,"end":1814.2,"sentiment":"neutral","sentiment_score":0.06053298618644475},{"text":"Yeah.","start":1815.44,"end":1815.84,"sentiment":"neutral","sentiment_score":-0.017309017479419708},{"text":"No.","start":1815.84,"end":1816.08,"sentiment":"neutral","sentiment_score":-0.0603187270462513},{"text":"And that...","start":1816.08,"end":1816.48,"sentiment":"neutral","sentiment_score":-0.03126874938607216},{"text":"That's that's okay.","start":1816.48,"end":1817.47,"sentiment":"neutral","sentiment_score":0.04571108768383662}],"sentiment":"neutral","sentiment_score":0.013114888014064893,"num_words":9,"start":1811.96,"end":1817.47},{"sentences":[{"text":"So, essentially speaking, the benefit you'd be paid would be $43,443.04 per month after income tax is paid.","start":1818.705,"end":1826.8049,"sentiment":"neutral","sentiment_score":-0.006992635918625941},{"text":"No.","start":1836.32,"end":1836.5599,"sentiment":"neutral","sentiment_score":-0.12571902573108673},{"text":"You're okay.","start":1836.5599,"end":1837.22,"sentiment":"neutral","sentiment_score":-0.06942682713270187},{"text":"So...","start":1837.6,"end":1838.1,"sentiment":"neutral","sentiment_score":-0.02950114756822586},{"text":"And what I've quoted, because income protection is an income protection is an income.","start":1838.88,"end":1843.86,"sentiment":"neutral","sentiment_score":-0.022410827090165446}],"sentiment":"neutral","sentiment_score":-0.02038035703784165,"num_words":36,"start":1818.705,"end":1843.86},{"sentences":[{"text":"So it it provides you an income.","start":1845.865,"end":1847.625,"sentiment":"neutral","sentiment_score":0.013163656262414796},{"text":"So it is taxed at a marginal rate.","start":1847.625,"end":1850.765,"sentiment":"neutral","sentiment_score":-0.0361178619787097},{"text":"So essentially speaking, you would get $4,434 per month or about 2,004...","start":1852.825,"end":1859.34,"sentiment":"neutral","sentiment_score":0.06505665027846892},{"text":"$2,050 a a fortnight.","start":1859.56,"end":1861.5,"sentiment":"neutral","sentiment_score":0.04991359915584326},{"text":"Is that enough, or do we need to pivot and adjust?","start":1864.2,"end":1867.08,"sentiment":"neutral","sentiment_score":-0.054861174896359444}],"sentiment":"neutral","sentiment_score":0.004287237478863625,"num_words":42,"start":1845.865,"end":1867.08},{"sentences":[{"text":"Because I can't pivot and adjust.","start":1867.08,"end":1868.62,"sentiment":"neutral","sentiment_score":-0.15412645041942596},{"text":"Right.","start":1872.075,"end":1872.575,"sentiment":"neutral","sentiment_score":0.0934501439332962},{"text":"That would be Generally speaking, yes.","start":1876.075,"end":1887.88,"sentiment":"neutral","sentiment_score":-0.18906936763475338},{"text":"But also, you know, doctor doctor sees anything like that that's that's...","start":1887.88,"end":1893.1,"sentiment":"neutral","sentiment_score":-0.027594492693121236},{"text":"You know, I gotta keep your book subscriptions up as well.","start":1897.265,"end":1900.245,"sentiment":"neutral","sentiment_score":0.15002501688220285}],"sentiment":"neutral","sentiment_score":-0.017960652527916763,"num_words":36,"start":1867.08,"end":1900.245},{"sentences":[{"text":"Yeah.","start":1903.585,"end":1904.085,"sentiment":"neutral","sentiment_score":0.042734161019325256},{"text":"What are you gonna do?","start":1904.225,"end":1905.365,"sentiment":"neutral","sentiment_score":0.01740751452744007},{"text":"Oh, absolutely.","start":1910.065,"end":1911.0449,"sentiment":"neutral","sentiment_score":0.1095823384821415},{"text":"I I have a puzzle on the go.","start":1912.22,"end":1914.9601,"sentiment":"neutral","sentiment_score":0.07254309114068747},{"text":"It's like a 100,000 piece puzzle on the go for, like, the last five years.","start":1915.1,"end":1924.06,"sentiment":"neutral","sentiment_score":0.011169882491230965}],"sentiment":"neutral","sentiment_score":0.03538159281015396,"num_words":31,"start":1903.585,"end":1924.06},{"sentences":[{"text":"No.","start":1924.06,"end":1924.3,"sentiment":"neutral","sentiment_score":-0.04190286248922348},{"text":"It's on a rollout mat.","start":1924.3,"end":1926.0801,"sentiment":"neutral","sentiment_score":0.014400390163064002},{"text":"Yeah.","start":1928.265,"end":1928.765,"sentiment":"neutral","sentiment_score":0.023878054693341255},{"text":"It's got like a a...","start":1928.905,"end":1931.005,"sentiment":"neutral","sentiment_score":-0.010460615810006856},{"text":"Yeah.","start":1931.065,"end":1931.225,"sentiment":"neutral","sentiment_score":-0.005083148367702961}],"sentiment":"neutral","sentiment_score":-0.0002622372614076504,"num_words":13,"start":1924.06,"end":1931.225},{"sentences":[{"text":"It's like a piece of...","start":1931.225,"end":1932.105,"sentiment":"neutral","sentiment_score":-0.011922162771224976},{"text":"Black massive piece of felt with a, like, a a a tube, like a...","start":1932.105,"end":1937.065,"sentiment":"neutral","sentiment_score":-0.01954572202105607},{"text":"Basically, like a PVC pipe.","start":1937.065,"end":1938.66,"sentiment":"neutral","sentiment_score":-0.01920244861394167},{"text":"You just roll the PVC pipe and the and the mat all up, and it just currently slips underneath my bed.","start":1939.14,"end":1945.4601,"sentiment":"neutral","sentiment_score":-0.013537539169192314},{"text":"And then every now and again, when I, you know, clean out under the bed from whatever the kids are thrown under there and all, you know, vacuum under the bed and everything.","start":1945.4601,"end":1952.845,"sentiment":"neutral","sentiment_score":-0.018638382186040733}],"sentiment":"neutral","sentiment_score":-0.017033565383500014,"num_words":78,"start":1931.225,"end":1952.845},{"sentences":[{"text":"I find it, and I'm like, oh, I'll pull it out.","start":1952.845,"end":1954.445,"sentiment":"neutral","sentiment_score":0.021252508529207924},{"text":"Do some more few more pieces.","start":1954.445,"end":1955.645,"sentiment":"neutral","sentiment_score":0.00570104643702507},{"text":"It stays there for a week or so.","start":1955.645,"end":1957.325,"sentiment":"neutral","sentiment_score":-0.03824849100783467},{"text":"And then we crack out of my husband's, and then I'll talk about all the end.","start":1957.325,"end":1960.475,"sentiment":"neutral","sentiment_score":-0.007676631445065141},{"text":"Yeah.","start":1970.88,"end":1971.38,"sentiment":"neutral","sentiment_score":0.0362006239593029}],"sentiment":"neutral","sentiment_score":-0.002967369875737599,"num_words":42,"start":1952.845,"end":1971.38},{"sentences":[{"text":"Absolutely.","start":1984.025,"end":1984.525,"sentiment":"positive","sentiment_score":0.7239914536476135},{"text":"Perfect.","start":1985.145,"end":1985.645,"sentiment":"positive","sentiment_score":0.7266479730606079},{"text":"What...","start":1985.9451,"end":1986.4451,"sentiment":"neutral","sentiment_score":0.242605984210968},{"text":"Cool.","start":1987.225,"end":1987.545,"sentiment":"neutral","sentiment_score":0.25433188676834106},{"text":"Well, if you're comfortable with the 2,050 of Fortnight, then then it doesn't...","start":1987.545,"end":1994.05,"sentiment":"neutral","sentiment_score":0.08503754608906232}],"sentiment":"neutral","sentiment_score":0.179592082167373,"num_words":17,"start":1984.025,"end":1994.05},{"sentences":[{"text":"It won't change anything.","start":1994.05,"end":1995.1901,"sentiment":"neutral","sentiment_score":-0.0460424623452127},{"text":"Realistically, we can ensure we can assure you for as much or as little as you want just as, like, you have to justify it, obviously.","start":1996.77,"end":2003.11,"sentiment":"neutral","sentiment_score":0.14345268776210454},{"text":"With income protection, you can never be better off under claim than you were at work.","start":2004.29,"end":2008.635,"sentiment":"neutral","sentiment_score":-0.00402256625238806},{"text":"So, essentially speaking, if you had...","start":2008.875,"end":2010.655,"sentiment":"neutral","sentiment_score":0.006182285491377115},{"text":"Say, last year, you earned $70, and this year, you're like, yeah.","start":2010.875,"end":2014.555,"sentiment":"neutral","sentiment_score":0.003272370668128133}],"sentiment":"neutral","sentiment_score":0.05558751770877279,"num_words":64,"start":1994.05,"end":2014.555},{"sentences":[{"text":"I'm gonna earn a 120, and we insure you for a 120, and then you ended up only earning 70 or 90, they would only pay you up to the 90 that you earned.","start":2014.555,"end":2026.43,"sentiment":"neutral","sentiment_score":0.007547648623585701},{"text":"Cool.","start":2035.865,"end":2036.025,"sentiment":"neutral","sentiment_score":0.2520371377468109},{"text":"Well, if if you're comfortable with, yeah, the income protection side of things, essentially speaking, it's just yours to review and look through.","start":2036.025,"end":2044.365,"sentiment":"neutral","sentiment_score":0.07143393596229346},{"text":"And if you wanna...","start":2045.0651,"end":2046.665,"sentiment":"neutral","sentiment_score":0.015592692885547876},{"text":"Like, if you have any alternatives that you want me to look at or you want to adjust, we can do so.","start":2046.665,"end":2054.88,"sentiment":"neutral","sentiment_score":0.01687706515870311}],"sentiment":"neutral","sentiment_score":0.03077742765613255,"num_words":84,"start":2014.555,"end":2054.88},{"sentences":[{"text":"I would still recommend Zurich as the provider irrespective of what amounts we ended up going with, and that's purely simply they have the best policy structure, pricing for your...","start":2055.26,"end":2067.635,"sentiment":"neutral","sentiment_score":0.11632681948443253},{"text":"For your occupation.","start":2067.635,"end":2068.5352,"sentiment":"neutral","sentiment_score":0.028191682572166126},{"text":"They allow...","start":2070.195,"end":2070.7551,"sentiment":"neutral","sentiment_score":0.03651968017220497},{"text":"Like, it's allowed to be paid for by your SMSF funds, so that's nice and easy.","start":2070.7551,"end":2077.3352,"sentiment":"neutral","sentiment_score":0.20207308512181044},{"text":"It, yeah, it it...","start":2078.5952,"end":2080.74,"sentiment":"neutral","sentiment_score":0.28156913816928864}],"sentiment":"neutral","sentiment_score":0.14557936194945464,"num_words":55,"start":2055.26,"end":2080.74},{"sentences":[{"text":"Zurich works out the best for you and your position.","start":2080.74,"end":2083.32,"sentiment":"neutral","sentiment_score":0.22799230962991715},{"text":"And, again, they have that mid month payment.","start":2084.26,"end":2086.9202,"sentiment":"neutral","sentiment_score":0.05727451713755727},{"text":"It's just if you want to adjust any of the amount.","start":2086.98,"end":2090.26,"sentiment":"neutral","sentiment_score":0.04083829339254986},{"text":"Ultimately, my recommendation is $7.50, like, 50 TPD, the IP at those set amounts.","start":2090.26,"end":2096.555,"sentiment":"neutral","sentiment_score":0.05152493928159986},{"text":"But, yes, if you have an alternative that you want, there's one or two methodologies you can look at.","start":2097.2551,"end":2102.695,"sentiment":"neutral","sentiment_score":0.05059468608937765}],"sentiment":"neutral","sentiment_score":0.07854820397352019,"num_words":62,"start":2080.74,"end":2102.695},{"sentences":[{"text":"You can either send me through an email and say, hey.","start":2102.695,"end":2105.735,"sentiment":"neutral","sentiment_score":0.038333451714028015},{"text":"Can you please quote up this?","start":2105.735,"end":2107.275,"sentiment":"neutral","sentiment_score":0.04481168525914351},{"text":"And I can do so and send it to you.","start":2107.815,"end":2109.87,"sentiment":"neutral","sentiment_score":0.18730477392673492},{"text":"And then if that's what you wanna go ahead with, there is a box...","start":2110.35,"end":2114.77,"sentiment":"neutral","sentiment_score":0.011448051647416182},{"text":"There's a box...","start":2116.03,"end":2117.8901,"sentiment":"neutral","sentiment_score":-0.1859989513953527}],"sentiment":"neutral","sentiment_score":0.04922412928532471,"num_words":44,"start":2102.695,"end":2117.8901},{"sentences":[{"text":"No.","start":2119.31,"end":2119.81,"sentiment":"neutral","sentiment_score":-0.06677956134080887},{"text":"You're okay.","start":2120.75,"end":2121.7302,"sentiment":"neutral","sentiment_score":0.1403587907552719},{"text":"There's a box in the in the statement of advice down on the sign page that is there for you to type in any alteration.","start":2122.305,"end":2133.025,"sentiment":"neutral","sentiment_score":0.11582895994186401},{"text":"So you can actually request for an alteration to the above.","start":2133.025,"end":2136.005,"sentiment":"neutral","sentiment_score":0.19146634909239682},{"text":"You can basically just type in thanks.","start":2136.1702,"end":2137.61,"sentiment":"neutral","sentiment_score":0.27810668093817575}],"sentiment":"neutral","sentiment_score":0.1557073614195637,"num_words":46,"start":2119.31,"end":2137.61},{"sentences":[{"text":"Appreciate your advice.","start":2137.61,"end":2138.4102,"sentiment":"positive","sentiment_score":0.5179174542427063},{"text":"However, I would like to proceed with this quote for these amounts.","start":2138.4102,"end":2143.55,"sentiment":"neutral","sentiment_score":0.1296469010412693},{"text":"And you would put that in, and I would then organize a time to go through the application with you.","start":2143.77,"end":2150.4302,"sentiment":"neutral","sentiment_score":0.17346238270401954},{"text":"My...","start":2150.73,"end":2151.2102,"sentiment":"neutral","sentiment_score":0.01996443048119545},{"text":"I have...","start":2151.2102,"end":2151.87,"sentiment":"neutral","sentiment_score":0.01399886654689908}],"sentiment":"neutral","sentiment_score":0.1743874998125983,"num_words":38,"start":2137.61,"end":2151.87},{"sentences":[{"text":"One of my administrators is...","start":2152.065,"end":2153.665,"sentiment":"neutral","sentiment_score":0.016569739580154418},{"text":"Specializes in insurance, and they would go through the application with you and be able to complete the questionnaire, which I...","start":2153.665,"end":2164.065,"sentiment":"neutral","sentiment_score":0.05832213482686451},{"text":"You've gone through before, so I I don't need to sort of run through too too in-depth.","start":2164.065,"end":2168.57,"sentiment":"neutral","sentiment_score":0.0010769168901092867},{"text":"But, basically, you answer all the questions under the fund to do with your health, occupation, everything like that, and that gets submitted to the insurer.","start":2168.57,"end":2175.45,"sentiment":"neutral","sentiment_score":0.057083659447156467},{"text":"The insurer is then able to put it in place and send payment request to your super fund.","start":2175.45,"end":2181.31,"sentiment":"neutral","sentiment_score":0.09572707385652596}],"sentiment":"neutral","sentiment_score":0.05210555852230253,"num_words":87,"start":2152.065,"end":2181.31},{"sentences":[{"text":"Yeah.","start":2194.92,"end":2195.16,"sentiment":"neutral","sentiment_score":-0.002834928222000599},{"text":"Sorry.","start":2195.16,"end":2195.66,"sentiment":"neutral","sentiment_score":-0.04318173602223396},{"text":"Alright.","start":2217.7249,"end":2218.2249,"sentiment":"neutral","sentiment_score":0.0369340218603611},{"text":"Yeah.","start":2219.165,"end":2219.565,"sentiment":"neutral","sentiment_score":0.06311897933483124},{"text":"Essentially.","start":2219.565,"end":2220.065,"sentiment":"neutral","sentiment_score":0.06380633264780045}],"sentiment":"neutral","sentiment_score":0.023568533919751646,"num_words":5,"start":2194.92,"end":2220.065},{"sentences":[{"text":"So once you authorize the advice, my my team will call you to schedule a time to go through application.","start":2220.2048,"end":2227.68,"sentiment":"neutral","sentiment_score":0.09806174859404564},{"text":"Application will take anywhere from half hour to an hour.","start":2228.06,"end":2231.04,"sentiment":"neutral","sentiment_score":0.09295186549425125},{"text":"I had a look over your last application from years gone by, and no red flags.","start":2232.14,"end":2238.0552,"sentiment":"neutral","sentiment_score":0.06695729261264205},{"text":"And as we talked about a couple weeks ago, you have nothing else that's popped up in your house.","start":2238.0552,"end":2242.375,"sentiment":"neutral","sentiment_score":0.21353894942685178},{"text":"So it shouldn't take any longer than an hour, and that'll only be if, like, you have any questions or something like that.","start":2242.375,"end":2248.77,"sentiment":"neutral","sentiment_score":0.17519008708388908}],"sentiment":"neutral","sentiment_score":0.13691684489392422,"num_words":88,"start":2220.2048,"end":2248.77},{"sentences":[{"text":"Outside of that, once the application goes through and is approved, the insurer will generally...","start":2249.57,"end":2257.59,"sentiment":"neutral","sentiment_score":0.08510968734820684},{"text":"Like, I I basically say it takes about two weeks.","start":2257.73,"end":2260.31,"sentiment":"neutral","sentiment_score":0.0662420840933919},{"text":"It's just the insurer will do all their checks, issue what's called the...","start":2260.93,"end":2264.9749,"sentiment":"neutral","sentiment_score":0.09539430187298702},{"text":"Send you your currency and policy schedule to you, and they will then request payment, and then payment gets made.","start":2265.755,"end":2272.095,"sentiment":"neutral","sentiment_score":0.14142592288553715},{"text":"I've set up for the payment methodology to basically be direct debit from the SMSF cash account.","start":2272.315,"end":2277.615,"sentiment":"neutral","sentiment_score":0.18077319685150595}],"sentiment":"neutral","sentiment_score":0.12107806506256262,"num_words":75,"start":2249.57,"end":2277.615},{"sentences":[{"text":"It's the easiest method for SMSF payments.","start":2279.3901,"end":2283.25,"sentiment":"neutral","sentiment_score":0.21662025579384395},{"text":"There is one other method, which is basically they invoice you when you pay the invoice.","start":2285.07,"end":2289.1702,"sentiment":"neutral","sentiment_score":0.10037821670994163},{"text":"Yeah.","start":2313.4302,"end":2313.83,"sentiment":"neutral","sentiment_score":-0.04527156800031662},{"text":"No.","start":2313.83,"end":2314.33,"sentiment":"neutral","sentiment_score":-0.0988556146621704},{"text":"No.","start":2319.665,"end":2320.165,"sentiment":"neutral","sentiment_score":-0.06317199766635895}],"sentiment":"neutral","sentiment_score":0.1121190029841203,"num_words":26,"start":2279.3901,"end":2320.165},{"sentences":[{"text":"It's so fine.","start":2320.385,"end":2321.765,"sentiment":"neutral","sentiment_score":0.01175334925452868},{"text":"No.","start":2327.265,"end":2327.765,"sentiment":"neutral","sentiment_score":-0.14398488402366638},{"text":"I know.","start":2328.785,"end":2329.365,"sentiment":"neutral","sentiment_score":-0.14380693435668945},{"text":"Yeah.","start":2332.225,"end":2332.545,"sentiment":"neutral","sentiment_score":0.0847267210483551},{"text":"You did alright.","start":2332.545,"end":2333.605,"sentiment":"neutral","sentiment_score":0.16651493310928345}],"sentiment":"neutral","sentiment_score":0.01879328154027462,"num_words":10,"start":2320.385,"end":2333.605},{"sentences":[{"text":"The only other document for you to sign is essentially the the quote.","start":2337.28,"end":2342.9,"sentiment":"neutral","sentiment_score":0.05719842417882039},{"text":"So it just...","start":2343.2,"end":2343.76,"sentiment":"neutral","sentiment_score":0.038623147954543434},{"text":"It details out the quote.","start":2343.76,"end":2345.22,"sentiment":"neutral","sentiment_score":0.07035455480217934},{"text":"As I said, the premiums are set.","start":2345.76,"end":2347.575,"sentiment":"neutral","sentiment_score":0.08696804195642471},{"text":"So this is something I'd wanna review with you at a minimum every two years.","start":2347.655,"end":2351.195,"sentiment":"neutral","sentiment_score":0.12429613371690114}],"sentiment":"neutral","sentiment_score":0.08568465189878331,"num_words":43,"start":2337.28,"end":2351.195},{"sentences":[{"text":"It's just a touch base to say, hey.","start":2352.2148,"end":2353.895,"sentiment":"neutral","sentiment_score":0.08896272908896208},{"text":"How much does the mortgage drop by?","start":2353.895,"end":2355.415,"sentiment":"neutral","sentiment_score":-0.04087080912930625},{"text":"Let's drop the policy by a little bit, and we would just decrease it.","start":2355.415,"end":2359.115,"sentiment":"neutral","sentiment_score":-0.1395298670977354},{"text":"But the annualized, like, pre...","start":2359.255,"end":2362.45,"sentiment":"neutral","sentiment_score":-0.01977393962442875},{"text":"Like, the premium projections are written in that because as you get older, the premiums do increase.","start":2362.45,"end":2367.83,"sentiment":"neutral","sentiment_score":-0.042550774072023}],"sentiment":"neutral","sentiment_score":-0.0460793103511427,"num_words":51,"start":2352.2148,"end":2367.83},{"sentences":[{"text":"That's okay.","start":2376.155,"end":2376.9749,"sentiment":"positive","sentiment_score":0.39742136001586914},{"text":"What I'll do is I will leave it with you, and I will task Maddie, who you spoke to to organize our initial meeting.","start":2377.275,"end":2385.4548,"sentiment":"neutral","sentiment_score":0.17289311531931162},{"text":"I'll task her to follow-up with you in a week.","start":2385.755,"end":2387.775,"sentiment":"neutral","sentiment_score":0.12566362768411637},{"text":"Perfect.","start":2392.8,"end":2393.28,"sentiment":"positive","sentiment_score":0.7361235618591309},{"text":"Alright.","start":2393.28,"end":2393.78,"sentiment":"positive","sentiment_score":0.49125587940216064}],"sentiment":"neutral","sentiment_score":0.19548140015257032,"num_words":38,"start":2376.155,"end":2393.78},{"sentences":[{"text":"Well, I will let you go, do everything you need to do, and we...","start":2393.92,"end":2397.5999,"sentiment":"positive","sentiment_score":0.41686839503901346},{"text":"I'll touch base with you in a week.","start":2397.5999,"end":2400.66,"sentiment":"positive","sentiment_score":0.3556855134665966},{"text":"Too.","start":2405.3071,"end":2405.707,"sentiment":"positive","sentiment_score":0.5204451680183411},{"text":"Thanks, Hazel.","start":2405.707,"end":2406.687,"sentiment":"positive","sentiment_score":0.6591704189777374},{"text":"Bye.","start":2408.747,"end":2409.247,"sentiment":"neutral","sentiment_score":-0.11813671886920928}],"sentiment":"positive","sentiment_score":0.4000881125147526,"num_words":26,"start":2393.92,"end":2409.247}]}}]},{"alternatives":[{"transcript":"Hello. It's Rachel. Oh, shit. Are you there? Oh, sorry. I just swore. Hang on a minute. I'll just find the speaker. Where are we? Okay. That's better. Sorry. Sorry. I'm just finishing off my lunch because I I had someone come and do a quote for some roller shutters, and he he was here longer than I expected. What was this? Finished my lunch. You got what? No. You're good. It brought me some time to eat my lunch, so that's all good. Well, my lunch is my breakfast because I don't eat breakfast. So... Yeah. And it's my first meal of my day, so I'm pretty keen for it. Oh, okay. No. I won't have a coffee till after eight. So I'm I'm getting ready for one. I'm pretty happy about that. I only have one a day, and it's after I eat. So I did quit altogether, but... And then I started, like, once a week. And I'm like, you know what? I'm just gonna have one every day as long as I eat first. It's all good. Not on an empty stomach. Yeah. But everyone does it. Right? Mhmm. Yeah. Everyone does it. Half the people is still alive, so it's alright. Yeah. Yep. What sort of day is it up there in the... You're in Brisbane or Gold Coast? Halfway in the middle. Nice. Okay. Yucky yucky wind. No. Always something. Yep. We're just coming to Springs down here, so it's quite a nice day. We're pretty happy. No more cold. No more winter. Have you have you ever been to Adelaide before? Okay. So it would've been cold there. Sure. And... Yeah. And then our our summers were very dry, but I I... And I love that. I don't like the humidity, but, you know, it depends what you're used to, I guess. Yep. Yeah. Yeah. Especially for hair. So your children what? Sorry. Yeah. Yeah. Yeah. All my family live in Queensland. So my mom and my sister live on the Sunshine Coast, and I've got a brother in Hervey Bay and a brother in Gladstone. So there you go. They're all up there. My sister just bought sixty eight sixty eight acres in off... In Randolph and Sunshine Coast. So... Oh my god. How good. They're actually coming down for Christmas. I said, you sure you don't want me to come up there. You know? Yeah. That's that's right. I was there, like, last year. Anyway, that's okay. Yeah. Anyway, that's enough of that. What are we what are we on to today? Yes. Okay. Yep. Yep. Mhmm. Oh, you've just sent it recently? Alright. Just one... I'm just connecting my phone to my iPad. Just keep waiting for the download. Alright. I'm just waiting for that to work. Would be good. Yes. It's all a lot of money, everything, because I just sorted out my insurance for my super as well, which is, like, quite expensive too. So... Because somehow, I'm allowed to have my precious metals with me at all times. I don't know how I've done it, but I've done it. And I've managed to only just now find a... Someone that will insure insure it as well. So, yeah, it doesn't come with a cheap price because, obviously, I mean, how many people have gold and silver as their super in their home? Not too many. Yeah. In a vault. Exactly. So, obviously, a vault would be a hell of a lot cheaper, but I'm like, nope. I don't trust any of those banks. I'm not having mine anywhere but with me, and somehow, here it is. Yeah. I don't know. I picked it up and bought it home, and I get audited every year, and no one said anything as yet. And then I thought, well, shit. I better insure it. Yeah. But it... That took, like, quite a while because everyone's like, What? No. We didn't show that. Who does that? I'm like, surely someone does. So I found someone. Alright. So I've got your email here. Sent at 12:12. Yes? Okay. What are we doing with that? Oh. Yep. Yes. Yes. Yeah. Yeah. When you have a waiting period, you're talking about, like, if something happens and then you will have to wait thirty days. Yep. Yep. Does it get back tight or no? Back tight or no? Yep. Okay. Yep. Yep. That's fine. Mhmm. Mhmm. Okay. Mhmm. Yep. Mhmm. Yep. Yep. Yes. But, obviously, yeah, if it's a lot more... The likelihood of something happening just yet, yeah, just weighing up everything. Because, obviously, we can change things down the track too. Right? In a few years time or whatever. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yeah. Spending my whole fever. Yeah. Yep. Yep. Mhmm. Okay. Yep. No. Yeah. Exactly. Mhmm. Yeah. Mhmm. Yep. Okay. Yeah. Yep. Yep. Okay. This is gonna be dead. Yep. Yep. Yes. Yep. Mhmm. Mhmm. Yes. Yep. Yep. Yeah. Okay. Yep. Yep. Okay. 2... You're saying $2,700. Yep. Yep. A year. Yeah. Yeah. Yep. I just thought I started doing some some things, and I'm like, oh my god. I'm not listening now, so I better sit back down. Yep. Yep. Yep. I'm just trying to look up now what I used to pay my insurance if I have it here on record somewhere. I think it's about the same anyway, but Jesus. Yeah. Mhmm. Yes. Yep. Yep. Yeah. Perfect. Yep. You're right. Yeah. Yeah. Oh. Okay. Yeah. Yep. Yep. So that's just a part of when I get audited every year and to put my tax return, and it just happens with that. Yeah. I haven't even been picked up on that. You know, when I do my tax return every year, I haven't I haven't even been put... Like, they haven't even said anything about there not being any payments for insurance. Yeah. So... Amazing. Anyway, that's probably fraud or something, so we won't talk about that too much. I don't know. Yeah. Yeah. All good. Yeah. So, obviously, there hasn't been anything coming out of my super. And then now I've gotta, yeah, tidy things up and get... Yeah. Make everything safe and myself and my super... My my middle. So... Yeah. No. That's great. Thank you. Yep. Yep. Yeah. Yeah. And I have a lot going on at the moment. Yes. Yep. Yes. Okay. What's the...... On that one or does it have one? Okay. Yep. Mhmm. Yeah. That was just one of my payslip. You got both of them, didn't you? One for 90 and one for 20 8. Yeah. I have I have two jobs. So I should've... Two. There's one for keep belly and then one for porting abilities. I've made. Alright. To what we're talking about? Or I don't work for them anymore, but that was last month. No. But I do have another job. I have two jobs. I have three, actually. But I haven't It'll probably be less than last year. Yeah. Yeah. I'm thinking we'll be back maybe, yeah, maybe, like, 90, a 100 this year. I don't know. Started, like... Mhmm. No. So it does matter. Yeah. Well, the financial year has just started. So, you know, I... I'm gonna... I do... I work when I wanna work. Sorry? I paid more. What... Sorry? What did you say? Okay. Yep. Okay. Yep. Yep. No. That's that's enough. Yep. Yep. Because I mean, really, you're not working because you can't work. You're not really... Well, probably won't spend too much money. Yeah. Help... Yeah. Yeah. Yeah. Yep. Audible. Mhmm. Diamond dot Crocheting this... You know? Oh, wow. And it's taking up all that space and just sitting there. Oh, cool. So you just... Hold it in. Yeah. Yeah. Well, I've just got a diamond dart because I've been doing it with some clients. And I'm like, oh, this is really relaxing, and I need that in my life, like, relaxing where I just switch off. So now it's, yeah, taking over the whole table. I got beads everywhere, and it's messy. I'm like, oh. But I am I am just chilling and switching my mind off when I do it. So that's the main thing. Yes. Yeah. Yep. Yes. Okay. Yep. Yep. No worries. Okay. Yes. Okay. Uh-huh. Yep. Yep. Yep. Mhmm. Not that clever. I'm not that smart, but you're the expert. So... Yep. Mhmm. Yep. Mhmm. Okay. Awesome. Yep. No worries. That sounds good. Now I appreciate your advice because I have no bloody idea, but what you're saying makes a bit of sense. So that's that's good. Yep. I don't... Any... Yeah. I'll be... Something with you, whatever it is. I don't have any other one in mind, so but I have a bit of a proposal then and... Yeah. Sort something out soon. And then once we do all that, it gets processed pretty quickly or, like, I pay for it and then I'm I'm in? Or what? How long does it take? Yep. Yes. Yep. Yeah. Because... And why why my last insurance lapsed was because the insurer couldn't get payment. Like, it wouldn't accept payment until I done the tax return on my super. So that's how it lapsed. So it'd be easier if I pay it. But now, at least I know, to bloody pay it instead of letting it lapse. Yeah. I I can myself at any time. Yeah. But I want... Yeah. It doesn't it doesn't work for some reason. So... Yeah. Oh, mate. It's fun. Can't believe I've done it. I've winged it. Yep. Okay. Right. Yep. Yep. Yep. Okay. No problem. Thank you. Mhmm. Yep. No worries. Sounds good. Yep. Beautiful. Alright. Thanks, Clarissa. Have a great day. 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It's Rachel. Oh, shit. Are you there? Oh, sorry.\n\nI just swore. Hang on a minute. I'll just find the speaker. Where are we? Okay.\n\nThat's better. Sorry. Sorry. I'm just finishing off my lunch because I I had someone come and do a quote for some roller shutters, and he he was here longer than I expected. What was this?\n\nFinished my lunch. You got what? No. You're good. It brought me some time to eat my lunch, so that's all good.\n\nWell, my lunch is my breakfast because I don't eat breakfast. So... Yeah. And it's my first meal of my day, so I'm pretty keen for it. Oh, okay.\n\nNo. I won't have a coffee till after eight. So I'm I'm getting ready for one. I'm pretty happy about that. I only have one a day, and it's after I eat.\n\nSo I did quit altogether, but... And then I started, like, once a week. And I'm like, you know what? I'm just gonna have one every day as long as I eat first. It's all good.\n\nNot on an empty stomach. Yeah. But everyone does it. Right? Mhmm.\n\nYeah. Everyone does it. Half the people is still alive, so it's alright. Yeah. Yep.\n\nWhat sort of day is it up there in the... You're in Brisbane or Gold Coast? Halfway in the middle. Nice. Okay.\n\nYucky yucky wind. No. Always something. Yep. We're just coming to Springs down here, so it's quite a nice day.\n\nWe're pretty happy. No more cold. No more winter. Have you have you ever been to Adelaide before? Okay.\n\nSo it would've been cold there. Sure. And... Yeah. And then our our summers were very dry, but I I...\n\nAnd I love that. I don't like the humidity, but, you know, it depends what you're used to, I guess. Yep. Yeah. Yeah.\n\nEspecially for hair. So your children what? Sorry. Yeah. Yeah.\n\nYeah. All my family live in Queensland. So my mom and my sister live on the Sunshine Coast, and I've got a brother in Hervey Bay and a brother in Gladstone. So there you go. They're all up there.\n\nMy sister just bought sixty eight sixty eight acres in off... In Randolph and Sunshine Coast. So... Oh my god. How good.\n\nThey're actually coming down for Christmas. I said, you sure you don't want me to come up there. You know? Yeah. That's that's right.\n\nI was there, like, last year. Anyway, that's okay. Yeah. Anyway, that's enough of that. What are we what are we on to today?\n\nYes. Okay. Yep. Yep. Mhmm.\n\nOh, you've just sent it recently? Alright. Just one... I'm just connecting my phone to my iPad. Just keep waiting for the download.\n\nAlright. I'm just waiting for that to work. Would be good. Yes. It's all a lot of money, everything, because I just sorted out my insurance for my super as well, which is, like, quite expensive too.\n\nSo... Because somehow, I'm allowed to have my precious metals with me at all times. I don't know how I've done it, but I've done it. And I've managed to only just now find a... Someone that will insure insure it as well.\n\nSo, yeah, it doesn't come with a cheap price because, obviously, I mean, how many people have gold and silver as their super in their home? Not too many. Yeah. In a vault. Exactly.\n\nSo, obviously, a vault would be a hell of a lot cheaper, but I'm like, nope. I don't trust any of those banks. I'm not having mine anywhere but with me, and somehow, here it is. Yeah. I don't know.\n\nI picked it up and bought it home, and I get audited every year, and no one said anything as yet. And then I thought, well, shit. I better insure it. Yeah. But it...\n\nThat took, like, quite a while because everyone's like, What? No. We didn't show that. Who does that? I'm like, surely someone does.\n\nSo I found someone. Alright. So I've got your email here. Sent at 12:12. Yes?\n\nOkay. What are we doing with that? Oh. Yep. Yes.\n\nYes. Yeah. Yeah. When you have a waiting period, you're talking about, like, if something happens and then you will have to wait thirty days. Yep.\n\nYep. Does it get back tight or no? Back tight or no? Yep. Okay.\n\nYep. Yep. That's fine. Mhmm. Mhmm.\n\nOkay. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yes. But, obviously, yeah, if it's a lot more... The likelihood of something happening just yet, yeah, just weighing up everything. Because, obviously, we can change things down the track too.\n\nRight? In a few years time or whatever. Mhmm. Yep. Yep.\n\nYep. Mhmm. Yep. Yeah. Spending my whole fever.\n\nYeah. Yep. Yep. Mhmm. Okay.\n\nYep. No. Yeah. Exactly. Mhmm.\n\nYeah. Mhmm. Yep. Okay. Yeah.\n\nYep. Yep. Okay. This is gonna be dead. Yep.\n\nYep. Yes. Yep. Mhmm. Mhmm.\n\nYes. Yep. Yep. Yeah. Okay.\n\nYep. Yep. Okay. 2... You're saying $2,700.\n\nYep. Yep. A year. Yeah. Yeah.\n\nYep. I just thought I started doing some some things, and I'm like, oh my god. I'm not listening now, so I better sit back down. Yep. Yep.\n\nYep. I'm just trying to look up now what I used to pay my insurance if I have it here on record somewhere. I think it's about the same anyway, but Jesus. Yeah. Mhmm.\n\nYes. Yep. Yep. Yeah. Perfect.\n\nYep. You're right. Yeah. Yeah. Oh.\n\nOkay. Yeah. Yep. Yep. So that's just a part of when I get audited every year and to put my tax return, and it just happens with that.\n\nYeah. I haven't even been picked up on that. You know, when I do my tax return every year, I haven't I haven't even been put... Like, they haven't even said anything about there not being any payments for insurance. Yeah.\n\nSo... Amazing. Anyway, that's probably fraud or something, so we won't talk about that too much. I don't know. Yeah.\n\nYeah. All good. Yeah. So, obviously, there hasn't been anything coming out of my super. And then now I've gotta, yeah, tidy things up and get...\n\nYeah. Make everything safe and myself and my super... My my middle. So... Yeah.\n\nNo. That's great. Thank you. Yep. Yep.\n\nYeah. Yeah. And I have a lot going on at the moment. Yes. Yep.\n\nYes. Okay. What's the...... On that one or does it have one? Okay.\n\nYep. Mhmm. Yeah. That was just one of my payslip. You got both of them, didn't you?\n\nOne for 90 and one for 20 8. Yeah. I have I have two jobs. So I should've... Two.\n\nThere's one for keep belly and then one for porting abilities. I've made. Alright. To what we're talking about? Or I don't work for them anymore, but that was last month.\n\nNo. But I do have another job. I have two jobs. I have three, actually. But I haven't It'll probably be less than last year.\n\nYeah. Yeah. I'm thinking we'll be back maybe, yeah, maybe, like, 90, a 100 this year. I don't know. Started, like...\n\nMhmm. No. So it does matter. Yeah. Well, the financial year has just started.\n\nSo, you know, I... I'm gonna... I do... I work when I wanna work. Sorry?\n\nI paid more. What... Sorry? What did you say? Okay.\n\nYep. Okay. Yep. Yep. No.\n\nThat's that's enough. Yep. Yep. Because I mean, really, you're not working because you can't work. You're not really...\n\nWell, probably won't spend too much money. Yeah. Help... Yeah. Yeah.\n\nYeah. Yep. Audible. Mhmm. Diamond dot Crocheting this...\n\nYou know? Oh, wow. And it's taking up all that space and just sitting there. Oh, cool. So you just...\n\nHold it in. Yeah. Yeah. Well, I've just got a diamond dart because I've been doing it with some clients. And I'm like, oh, this is really relaxing, and I need that in my life, like, relaxing where I just switch off.\n\nSo now it's, yeah, taking over the whole table. I got beads everywhere, and it's messy. I'm like, oh. But I am I am just chilling and switching my mind off when I do it. So that's the main thing.\n\nYes. Yeah. Yep. Yes. Okay.\n\nYep. Yep. No worries. Okay. Yes.\n\nOkay. Uh-huh. Yep. Yep. Yep.\n\nMhmm. Not that clever. I'm not that smart, but you're the expert. So... Yep.\n\nMhmm. Yep. Mhmm. Okay. Awesome.\n\nYep. No worries. That sounds good. Now I appreciate your advice because I have no bloody idea, but what you're saying makes a bit of sense. So that's that's good.\n\nYep. I don't... Any... Yeah. I'll be...\n\nSomething with you, whatever it is. I don't have any other one in mind, so but I have a bit of a proposal then and... Yeah. Sort something out soon. And then once we do all that, it gets processed pretty quickly or, like, I pay for it and then I'm I'm in?\n\nOr what? How long does it take? Yep. Yes. Yep.\n\nYeah. Because... And why why my last insurance lapsed was because the insurer couldn't get payment. Like, it wouldn't accept payment until I done the tax return on my super. So that's how it lapsed.\n\nSo it'd be easier if I pay it. But now, at least I know, to bloody pay it instead of letting it lapse. Yeah. I I can myself at any time. Yeah.\n\nBut I want... Yeah. It doesn't it doesn't work for some reason. So... Yeah.\n\nOh, mate. It's fun. Can't believe I've done it. I've winged it. Yep.\n\nOkay. Right. Yep. Yep. Yep.\n\nOkay. No problem. Thank you. Mhmm. Yep.\n\nNo worries. Sounds good. Yep. Beautiful. Alright.\n\nThanks, Clarissa. Have a great day. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.006883773021399975},{"text":"It's Rachel.","start":2.48,"end":3.3799999,"sentiment":"neutral","sentiment_score":-0.0033290297724306583},{"text":"Oh, shit.","start":4.08,"end":4.7999997,"sentiment":"negative","sentiment_score":-0.4303244948387146},{"text":"Are you there?","start":4.7999997,"end":5.46,"sentiment":"neutral","sentiment_score":-0.24161713322003683},{"text":"Oh, sorry.","start":6.7999997,"end":8.16,"sentiment":"neutral","sentiment_score":-0.048000067472457886}],"sentiment":"neutral","sentiment_score":-0.16812748108059167,"num_words":10,"start":1.92,"end":8.16},{"sentences":[{"text":"I just swore.","start":8.16,"end":8.96,"sentiment":"neutral","sentiment_score":-0.1023474633693695},{"text":"Hang on a minute.","start":8.96,"end":9.679999,"sentiment":"neutral","sentiment_score":-0.051775732543319464},{"text":"I'll just find the 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there, like, last year.","start":271.975,"end":274.375,"sentiment":"neutral","sentiment_score":0.01465935663630565},{"text":"Anyway, that's okay.","start":274.375,"end":275.675,"sentiment":"neutral","sentiment_score":0.11275071402390797},{"text":"Yeah.","start":276.215,"end":276.715,"sentiment":"neutral","sentiment_score":0.06773717701435089},{"text":"Anyway, that's enough of that.","start":276.935,"end":279.755,"sentiment":"neutral","sentiment_score":0.056319764256477355},{"text":"What are we what are we on to 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problem.","start":2373.635,"end":2374.375,"sentiment":"positive","sentiment_score":0.3450608253479004},{"text":"Thank you.","start":2374.5151,"end":2375.2551,"sentiment":"positive","sentiment_score":0.6771819591522217},{"text":"Mhmm.","start":2388.22,"end":2388.72,"sentiment":"neutral","sentiment_score":0.07824327051639557},{"text":"Yep.","start":2389.5,"end":2389.98,"sentiment":"neutral","sentiment_score":0.15828292071819303}],"sentiment":"positive","sentiment_score":0.3440094803060804,"num_words":7,"start":2372.915,"end":2389.98},{"sentences":[{"text":"No worries.","start":2389.98,"end":2390.6199,"sentiment":"neutral","sentiment_score":0.3319110721349716},{"text":"Sounds good.","start":2390.6199,"end":2391.3599,"sentiment":"positive","sentiment_score":0.7241578102111816},{"text":"Yep.","start":2401.395,"end":2401.7952,"sentiment":"neutral","sentiment_score":0.3076319694519043},{"text":"Beautiful.","start":2401.7952,"end":2402.2751,"sentiment":"positive","sentiment_score":0.773675799369812},{"text":"Alright.","start":2402.2751,"end":2402.595,"sentiment":"positive","sentiment_score":0.6339725255966187}],"sentiment":"positive","sentiment_score":0.5467740084443774,"num_words":7,"start":2389.98,"end":2402.595},{"sentences":[{"text":"Thanks, Clarissa.","start":2402.595,"end":2403.415,"sentiment":"positive","sentiment_score":0.7740200161933899},{"text":"Have a great day.","start":2403.475,"end":2404.455,"sentiment":"positive","sentiment_score":0.7922774106264114},{"text":"Bye.","start":2407.235,"end":2407.735,"sentiment":"positive","sentiment_score":0.46543440222740173}],"sentiment":"positive","sentiment_score":0.740369153874261,"num_words":7,"start":2402.595,"end":2407.735}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. It's Rachel. Oh, shit. Are you there?\n\nChannel 0: Yeah. Hi,.\n\nChannel 1: Oh,\n\nChannel 0: How are\n\nChannel 1: sorry.\n\nChannel 0: you going?\n\nChannel 1: I just swore. Hang on a minute. I'll just find the speaker. Where are we? Okay.\n\nThat's better.\n\nChannel 0: How are\n\nChannel 1: Sorry.\n\nChannel 0: you doing, though?\n\nChannel 1: Sorry. I'm just finishing off my lunch because I I had someone come and do a quote for some roller shutters, and he he was here longer than I expected. What\n\nChannel 0: No.\n\nChannel 1: was this?\n\nChannel 0: You're so fine.\n\nChannel 1: Finished\n\nChannel 0: I got\n\nChannel 1: my lunch.\n\nChannel 0: I got stuck on the phone with Superfunds. So\n\nChannel 1: You got what?\n\nChannel 0: I got stuck on the phone to one of the super funds, so I get it.\n\nChannel 1: No. You're good. It brought me some time to eat my lunch, so that's all good.\n\nChannel 0: No. You're okay. You're step ahead of me. I'm kinda glaring at my husband at the moment asking if he'll kind of make food for me.\n\nChannel 1: Well, my lunch is my breakfast because I don't eat breakfast. So... Yeah. And it's my first meal of my day, so I'm pretty keen for\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: No. I'm I'm right there with you. I don't either. Breakfast is basically a coffee at about 10:30.\n\nChannel 1: Oh, okay. No. I won't have a coffee till after eight. So I'm I'm getting ready for one. I'm pretty happy about that.\n\nI only have one a day, and it's after I eat. So I did quit altogether, but... And then I started, like, once a week. And I'm like, you know what? I'm just gonna have one every day as long as I eat first.\n\nIt's all good. Not on an empty stomach.\n\nChannel 0: Yeah. No. I agree. It's it's it's probably not the best diet I've I've I've come up with in the last.\n\nChannel 1: Yeah. But\n\nChannel 0: But\n\nChannel 1: everyone does it. Right?\n\nChannel 0: from 10:00, I\n\nChannel 1: Mhmm.\n\nChannel 0: am itching for coughing.\n\nChannel 1: Yeah. Everyone does it. Half the people is still alive, so it's alright.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. Yep. What sort of day is it up there in the... You're in Brisbane or Gold Coast?\n\nChannel 0: Well, I'm working from home today, so I'm actually neither. I'm halfway between.\n\nChannel 1: Halfway in the middle. Nice.\n\nChannel 0: Yeah. Yeah. But it's actually... Gorgeous sky is nice and hot, but the wind is biting, and it is\n\nChannel 1: Okay.\n\nChannel 0: long\n\nChannel 1: Yucky yucky wind. No. Always something.\n\nChannel 0: ago. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Always.\n\nChannel 1: We're just coming\n\nChannel 0: How about\n\nChannel 1: to\n\nChannel 0: you?\n\nChannel 1: Springs down here, so it's quite a nice day. We're pretty happy. No more cold. No more winter.\n\nChannel 0: Right. It's... Yeah. Like, the the weather has definitely turned for the warmer. Thank god.\n\nChannel 1: Have you have you ever been to Adelaide before?\n\nChannel 0: Yes. I have. I have been to Adelaide. I spent quite a bit of time in Adelaide and then inland towards Barry.\n\nChannel 1: Okay. So it would've been cold there. Sure.\n\nChannel 0: Yeah. Just just a little bit back and onto the Margaret River.\n\nChannel 1: And... Yeah. And then our our summers were very dry, but I I... And I love that. I don't like the humidity, but, you know, it depends what you're used to, I guess.\n\nChannel 0: Yeah. I'm... Honestly, I'm more of a summer girl myself,\n\nChannel 1: Yep.\n\nChannel 0: but I can see the appeal to the heat, I guess. Like... I'm sorry. I can... I can see the appeal to, like, the dry weather versus, like, your your really humid humid weather.\n\nChannel 1: Yeah. Yeah. Especially\n\nChannel 0: But,\n\nChannel 1: for hair.\n\nChannel 0: yeah, we were we were down... We spent a good six months, and it was all during winter. And my toes have never been so soft bitten, and I wasn't the biggest fan of it. But it was quite... It was lovely.\n\nWe were... Well, it was a lifetime ago now. Well, at least two of my children's lifetimes ago.\n\nChannel 1: So your children what? Sorry.\n\nChannel 0: Oh, it was a lifetime ago, specifically two of my children.\n\nChannel 1: Yeah. Yeah. Yeah. All my family live in Queensland. So my mom and my sister live on the Sunshine Coast, and I've got a brother in Hervey Bay and a brother in Gladstone.\n\nChannel 0: Oh, lovely.\n\nChannel 1: So there you go. They're all up there. My sister\n\nChannel 0: Oh,\n\nChannel 1: just bought sixty eight sixty eight acres in off...\n\nChannel 0: beautiful.\n\nChannel 1: In Randolph and Sunshine Coast. So... Oh my god. How good. They're\n\nChannel 0: Oh,\n\nChannel 1: actually\n\nChannel 0: absolutely.\n\nChannel 1: coming down for Christmas. I said, you sure you don't want me to come up there. You know? Yeah. That's that's right.\n\nI was there, like, last year. Anyway, that's okay. Yeah. Anyway, that's enough of that. What are we what are we on to today?\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: I have sent you\n\nChannel 1: Okay.\n\nChannel 0: I sent you the the... A document pack, I guess, which connects to the that we can go through today. I went through the private research, and I put everything together.\n\nChannel 1: Yep.\n\nChannel 0: I have got options as well for you in the event that you wanted\n\nChannel 1: Yep.\n\nChannel 0: to go in a different direction that we can kind of discuss and go through. So, yeah, that should be in your emails.\n\nChannel 1: Mhmm. Oh, you've just sent it recently?\n\nChannel 0: Yeah. Yes.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Like,\n\nChannel 1: Just\n\nChannel 0: literally,\n\nChannel 1: one...\n\nChannel 0: while I was doing the phone, I'd press\n\nChannel 1: I'm\n\nChannel 0: send.\n\nChannel 1: just connecting my phone to my iPad. Just keep waiting for the download. Alright. I'm just waiting for that to work. Would be good.\n\nYes. It's all a lot of money, everything, because I just sorted out my insurance for my super as well, which is, like, quite expensive too. So... Because somehow, I'm allowed to have my precious metals with me at all times. I don't know how\n\nChannel 0: Yeah.\n\nChannel 1: I've done it, but I've done it. And I've managed to only just now find a... Someone that will insure insure it as well. So, yeah, it doesn't come with a cheap price because, obviously, I mean, how many people have gold and silver as their super in their home? Not too many.\n\nYeah.\n\nChannel 0: No. Generally, majority, we keep them in, like, the\n\nChannel 1: In a vault.\n\nChannel 0: regular London bolt.\n\nChannel 1: Exactly. So, obviously, a vault would be a hell of a lot cheaper, but I'm like, nope. I don't trust any of those banks. I'm not having mine anywhere but with me, and somehow, here it is. Yeah.\n\nI don't know. I picked it up and bought it home, and I get audited every year, and no one said anything as yet. And then I thought, well, shit. I better insure it. Yeah.\n\nBut it... That took, like, quite a while because everyone's like, What? No. We didn't show that. Who does that?\n\nI'm like, surely someone does. So I found someone. Alright. So I've got your email here. Sent at 12:12.\n\nYes? Okay. What are we doing with that?\n\nChannel 0: Perfect. So\n\nChannel 1: Oh.\n\nChannel 0: insurance. I went through and had a look at everything. And based on our conversation and what we wanted to basically cover,\n\nChannel 1: Yep.\n\nChannel 0: I looked at what we could kind of go through and do. So, originally, we spoke about covering, like, the mortgage, so about $220,000 worth of the mortgage, just getting that covered off and done. And\n\nChannel 1: Yes.\n\nChannel 0: then we spoke about putting a little bit extra in your income protection, like, getting income protection put in place and making sure that we were sort of covered there. I looked at... Because with income protection, as we discussed, it has different waiting periods, different benefit periods. So I looked at what... You know, if we went to, like, the whole hog had, like, the longest longest benefit period, shortest waiting period, what that would do, and what that cost would be.\n\nChannel 1: Yes.\n\nChannel 0: To do a policy that had a sixty day waiting period... Sorry. A thirty day waiting period and a a sixty five benefit period. It ended up being quite... It's, like, really, really quite expensive.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And it wasn't worth it for us. I'm just... I\n\nChannel 1: When\n\nChannel 0: realized\n\nChannel 1: you\n\nChannel 0: I\n\nChannel 1: have\n\nChannel 0: didn't...\n\nChannel 1: a waiting period, you're talking about, like, if something happens and then you will have to wait thirty days.\n\nChannel 0: Yes. Yeah. How long you have to be off work before the policy kicks in? So, basically, income protection won't cover you if you get, like, a common cold when you're off work for a week.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But if you end up with something more serious, then, yes, it will cover you. But you have to wait out a thirty day waiting period before the policy will start accumulating a benefit. So\n\nChannel 1: Does\n\nChannel 0: in the\n\nChannel 1: it\n\nChannel 0: first\n\nChannel 1: get\n\nChannel 0: thirty days\n\nChannel 1: back\n\nChannel 0: when\n\nChannel 1: tight\n\nChannel 0: you're\n\nChannel 1: or\n\nChannel 0: off,\n\nChannel 1: no? Back tight\n\nChannel 0: you\n\nChannel 1: or\n\nChannel 0: don't\n\nChannel 1: no?\n\nChannel 0: you don't get back paid for the waiting period. No.\n\nChannel 1: Yep. Okay. Yep. Yep. That's fine.\n\nChannel 0: But I did pick an insurer. So I I went with Zurich in terms of the insurer. So Zurich differs from a lot of other insurers because what they... What what the standard is is basically waiting period happens, you start accumulating the benefit, and at the end of the month, as in at the end of your accumulation month... So if you if you stop work on the fifteenth, you wait your thirty days, which will end up being, say...\n\nLet's just say it's the seventeenth, and you\n\nChannel 1: Mhmm.\n\nChannel 0: start accumulating a benefit from the seventeenth of a month,\n\nChannel 1: Mhmm.\n\nChannel 0: what most providers will do is they won't pay you until the seventeenth of next month. Because as as of the sixteenth, that'll close out your month. They pay you on the seventeenth, and you'll get the money in two to three business days based on bank processing. What\n\nChannel 1: Okay.\n\nChannel 0: Zurich do is Zurich actually pay day 15. So, essentially, what that means is they pay in the middle of the month based on where everything fits.\n\nChannel 1: Mhmm.\n\nChannel 0: So so, like, that kind of situation, seventeenth through, you'd end up kinda getting a payment, say, day 30 ish,\n\nChannel 1: Yep.\n\nChannel 0: like, the thirtieth of the month. So they pay mid month, which is really good because that's obviously getting you money through now rather than, like, essentially waiting sixty days before your first benefit.\n\nChannel 1: Mhmm. Yep. Yep. Yes. But, obviously, yeah, if it's a lot more...\n\nThe likelihood of something happening just yet, yeah, just weighing up everything. Because, obviously, we can change things down the track too. Right? In a few years time\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: Yeah.\n\nChannel 1: whatever.\n\nChannel 0: We can we can extend out the waiting period at any time. That's that's actually really easy to extend out the waiting period. Extending out the benefit of reducing the waiting period is not as easy.\n\nChannel 1: Mhmm. Yep. Yep.\n\nChannel 0: That is not impossible.\n\nChannel 1: Yep.\n\nChannel 0: I did just... I didn't send you the appendix. So what I'm gonna do is I'm gonna email it to you separately because it's just sort of addendum to the advice. It's got, like, a little bit other research that I put together in it, and I want you to have it as a document. I just stupidly didn't attach it to the whole file when I sent it.\n\nMhmm. It's in the morning. It's in the morning. Mhmm. So, essentially speaking, with respect to everything, I I looked at...\n\nBecause we... When we spoke, we were talking about making sure that you had the the mortgage paid off and then replacing your income if you were never able to work again. Now\n\nChannel 1: Mhmm.\n\nChannel 0: I pay... What I did was I built it all on the IP policy. So I looked at... If we could get IP to cover you all the way through until you were 65, happy days, because you have an income coming in every single month until, basically, retirement... Until retirement age.\n\nBut the premium on that were, like, $11 a year. So way too expensive\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: be able to upkeep from from an overall perspective. Like, it's your contributions...\n\nChannel 1: Spending my whole\n\nChannel 0: Your...\n\nChannel 1: fever. Yeah.\n\nChannel 0: It's it's your contribution from your employer, basically. Every year, contribution's gonna come in, and you're gonna have to pay them out to the the insurer. It just...\n\nChannel 1: Yep.\n\nChannel 0: It didn't it didn't mathematically work.\n\nChannel 1: Yep.\n\nChannel 0: So then what I looked at was I looked at, well, could we have offsets to that? Could I reduce that? You know, if you were totally disabled, Centrelink would, you know, be able to step in and provide a little bit of\n\nChannel 1: Mhmm.\n\nChannel 0: a benefit. How does that work to reduce things down? I looked at... So, basically, if you would replace your full\n\nChannel 1: Okay.\n\nChannel 0: income on everything, we were looking at nearly 1,400,000 for TPD. And 1,400,000 for TPD just ended up again being too expensive, and agent occupation comes into it. And it just... It didn't it didn't work out well in terms of what your super funds have to pay. And I I I...\n\nUltimately, your super fund is still there to be able to grow. While you may have precious metals in it, it still needs to grow. I don't want you having to dip into the precious metals to pay for insurance premium. That makes\n\nChannel 1: Yep.\n\nChannel 0: no sense because then you are\n\nChannel 1: No.\n\nChannel 0: having to sell... Actually,\n\nChannel 1: Yeah.\n\nChannel 0: actually\n\nChannel 1: Exactly.\n\nChannel 0: sell.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: So I wanted to keep it to a point where you would actually have money to be able to do everything you wanna do in terms of buying more precious metals and or diversifying property due to in the future.\n\nChannel 1: Mhmm.\n\nChannel 0: But we have, like, a decent amount of money that if something happened to you, we're gonna be okay. So what\n\nChannel 1: Yep.\n\nChannel 0: I ended up settling on in terms of an outcome was a thirty day wait, two year benefit for your income protection, and then 750,000 worth of TPD. Now I looked at... Because we talked about life cover, we only wanted to cover the house. I looked at what it would look like if we had, say, $2.20 worth of life cover and then $7.50 worth of TPD, which would ultimately mean that you had two different TPD policies.\n\nChannel 1: Okay.\n\nChannel 0: You have, like... We could have one that was linked to the life cover and then a second one that was a stand alone. And when you have a TPV policy that's stand alone, it becomes really expensive.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: It's\n\nChannel 1: Yep.\n\nChannel 0: like... I I can get down into the nitty gritty of it, but high... Higher, overarchingly, it's basically just the way they structure it. It just becomes more expensive. Because, realistically, the chances are if someone's TPD'd, there's a high possibility that they're actually about to pass away.\n\nStatistically, they're probably terminal. So therefore, insurers kind of have it that if you link the life and TPD policy, we'll make it cheaper for you because realistically, while there's two benefits and two possibilities to claim, you're probably only actually gonna claim one of the benefits.\n\nChannel 1: Okay. This is gonna be dead.\n\nChannel 0: Yeah. Essentially.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Which which... With TPD, if you were terminal and you tried to apply for a standalone TPD policy, you have to survive to actually get that get that paid out, which can take twelve months to get a PPD policy paid out in some instances, obviously, depending on what the condition is and what happens. It just depends on diagnosis. It depends on doctors. Like, I've had TPD policies go through in...\n\nLike, applications for client go through in\n\nChannel 1: Yes.\n\nChannel 0: two months.\n\nChannel 1: Yep.\n\nChannel 0: I've also had... And it's pretty standard for a TPD policy to take six to twelve months\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: because doctors are investigating. The condition is still evolving. The, you know, the doctors are still actively doing treatment on on, you know, on the person trying to get them to recover even though\n\nChannel 1: Yes.\n\nChannel 0: the person may never actually fully recover until the doctor makes a determination that, no. They are TPD. They're never gonna recover to the point where they're never gonna recover to the point where, you know, they're gonna be able to work again while they're going through all those investigations. The insurer is being led by doctors. And doctors always work on the optimistic side, not pessimistic, which can be really painful in my line of work.\n\nWhen I'm sitting there going, you know the answer, just give it to me.\n\nChannel 1: Yep.\n\nChannel 0: But all in all, ended up going with $7.50 was a license, 750 was a TPD. I added a buyback in for the TBD. So that means that... Let's just say, for argument's sake, in your line of work, you were to, and I am touching all of the words I can, you were to contract an illness that prevented you from being able to work, like, you need your core strength, your back, the ability to lift, move, and you were not able to do that anymore,\n\nChannel 1: Yep.\n\nChannel 0: TPD would be able to pay out. Within twelve months of your TPD being accepted and paying out, your life cover actually gets bought back, and that life cover policy stays in place. So you get to double dip on that policy because I have a specific inclusion of your TPD. However, in the event, let's just say, that I had a client that's stroked and, you know, stroke causes TPD, we claim TPD, they passed away within six months of that TPD policy,\n\nChannel 1: Yeah.\n\nChannel 0: the life policy would not pay out because during that twelve month period, the life policy is basically suspended. And it does happen. It is a risk in structuring policy this way, But, ultimately speaking, the TPD policy is set to pay out your mortgage anyway, and the life policy would ultimately be a bit of a double dip. The only reason the life policy is sitting at $7.50 is because it structurally makes things cheaper for you.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: By structuring things this way and going to the $7.50, the life CPD with the flyback and the IP, we're sitting at $27.49 and 34¢. It is, however, a stepped policy, which means that it will increase over the years. So it does\n\nChannel 1: Okay.\n\nChannel 0: still need to be looked at\n\nChannel 1: 2...\n\nChannel 0: as we get older\n\nChannel 1: You're saying\n\nChannel 0: and tailored.\n\nChannel 1: $2,700.\n\nChannel 0: Yes. 2,000\n\nChannel 1: Yep.\n\nChannel 0: 750, essentially.\n\nChannel 1: Yep. A year. Yeah. Yeah.\n\nChannel 0: Yes. So that's, I guess, overarchingly, the, like, main reasons. I have, like, on page 11 of the statement of advice, I have a full, like, breakdown of, like, the needs analysis from our discussion, what we were trying to replace, and where that sort of works at,\n\nChannel 1: Yep.\n\nChannel 0: and and sort of the calculation for how I got to your needs of, like, you know, the 1.39. And then I haven't pressed send because I am autistically distracted today. I cannot multitask today. It is it is being a day of, like, pure focus\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: just\n\nChannel 0: task\n\nChannel 1: thought\n\nChannel 0: at a\n\nChannel 1: I\n\nChannel 0: time.\n\nChannel 1: started doing some some things, and I'm like, oh my god. I'm not listening now, so I better sit back down.\n\nChannel 0: Yeah. I know. I'm I'm... I just can't focus on more than one thing at this time today. It's been really bad.\n\nProbably something to do with, like, sleep. But, anyway,\n\nChannel 1: Yep. Yep.\n\nChannel 0: I'm just gonna send send it to you.\n\nChannel 1: Yep. I'm just trying to look up now what I used to pay my insurance if I have it here on record somewhere. I think it's about the same anyway, but\n\nChannel 0: I've just sent that to you. We can look right back as well. But, essentially, the the appendix just kind of has, like, the alternative quotes that I looked at. So you can see where I was looking with different, like, value sum amount and what those premiums look like. So, like, if I was gonna go with the $8.65 with literally $22,220,000 in life and CBD, we were looking at $10,230 a year.\n\nChannel 1: Jesus.\n\nChannel 0: Yeah. If we were looking at a five year benefit period on the IP with nearly 1,000,000 in in life insurance, we're looking at $77,000. If we want, like, 1.5 mil, two years waiting period, we're looking at 5,800.\n\nChannel 1: Yeah.\n\nChannel 0: You know, if we're looking at 2,200 for life, 2,200 for TPD plus an additional $930 in TPD with a 30 and a\n\nChannel 1: Mhmm.\n\nChannel 0: two year sort of IP, we're looking at 7 and a half. Like, the premiums were just getting true up there\n\nChannel 1: Yes. Yep.\n\nChannel 0: to make it make sense.\n\nChannel 1: Yep.\n\nChannel 0: I just... I... It just... It it didn't work.\n\nChannel 1: Yeah. Perfect. Yep. You're right.\n\nChannel 0: So... Yeah. So reason for recommendation is cost plus benefit gives you overall benefit of everything. In the in the, like, in the little... Like, they're literally just, like, screenshots of, like, the research data that I pull.\n\nLike, I've I've formatted it nicely for you, but the, like, the premiums are rough. They're not quoted directly through the providers, but they're pretty accurate within a few dollars. Like, I gave alternatives for, like, some of the other providers that I looked at. I didn't give you, like, the plethora of 15 providers. I gave you, like, the top few for each scenario.\n\nDidn't wanna overload you with, who's every single provider?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Make those... But, yeah, it's... It it is there. Now look look, the benefits with your SMSF is that when you do your tax return every year, the receipt for your insurance cover becomes a tax deduction. So you...\n\nYou're able to literally claim the premiums back through the... The super funds get to claim the premiums back to a degree. It's not like you get dollar for dollar.\n\nChannel 1: Oh. Okay. Yeah.\n\nChannel 0: It's\n\nChannel 1: Yep.\n\nChannel 0: 15¢ on every dollar because that's the superannuation tax rate.\n\nChannel 1: Yep. So that's just a part of when I get audited every year and to put my tax\n\nChannel 0: Yep.\n\nChannel 1: return, and it just\n\nChannel 0: Correct.\n\nChannel 1: happens with\n\nChannel 0: Yep. The\n\nChannel 1: that.\n\nChannel 0: the insurance policy just becomes part of that. Same thing would happen with your with your other insurance policy.\n\nChannel 1: Yeah. I haven't even been picked up on that. You know, when I do my tax return every year, I haven't I haven't even been put... Like, they haven't even said anything about there not being any payments for insurance. Yeah.\n\nSo... Amazing. Anyway, that's probably fraud or something, so we won't talk about that too much. I don't know.\n\nChannel 0: No. I think it's okay.\n\nChannel 1: Yeah. Yeah. All good. Yeah. So, obviously, there hasn't been anything coming out of my super.\n\nAnd then now I've gotta, yeah, tidy things up and get... Yeah. Make everything safe and myself and my super... My my middle. So...\n\nYeah. No. That's great. Thank you.\n\nChannel 0: No. That's okay. So, ultimately speaking, if you do wanna go ahead with it, like, I've... You have all the information there at the moment.\n\nChannel 1: Yep.\n\nChannel 0: I'm not someone that's gonna push you to be like, no. Sign now. Sign today. Let's go. I want you to take, you know, a little bit of time to read over the document.\n\nWhile it's not the biggest document I've ever sent in my life, it still does contain this information.\n\nChannel 1: Yep. Yeah. Yeah. And I have a lot going on at the moment. Yes.\n\nYep.\n\nChannel 0: So I just... I want you to take the time to read it.\n\nChannel 1: Yes.\n\nChannel 0: Ultimately speaking, it's... I mean, it... It's probably the clearest I could probably outline it for you. But if you do wanna go with one of the alternatives that I do have lined out for you, for example, in the actual statement of advice on page 12, I have a alternative to basically provide a reduced amount of life and TPD and dropping it down to sort of 230,000.\n\nChannel 1: Okay.\n\nChannel 0: It was my first consideration that I made because we had talked about, like, just going from there, and that was paying the mortgage of 02/20 and then having a $630.16 coverage in the shortfall that your income protection policy would pay you. So it's just... It's it's only a... It's a reduced amount, but it it is a possibility it could go that way with a shorter waiting period\n\nChannel 1: What's\n\nChannel 0: type\n\nChannel 1: the......\n\nChannel 0: of thing.\n\nChannel 1: On that one or does it have one?\n\nChannel 0: That... No. That would be, like, the $230 in TPD, $230 in IP... Life insurance. Sorry.\n\nChannel 1: Okay.\n\nChannel 0: We could drop it down to that, which does drastically reduce your premiums,\n\nChannel 1: Yep.\n\nChannel 0: but I just felt like it was too much of a shortfall in actually replacing your income. If you did have a lifelong condition, like, you are 50, you have fifteen years... You have ten years minimum before you can access your super. And then realistically, it's sort of 65 that is most common for retirement.\n\nChannel 1: Mhmm.\n\nChannel 0: That's gonna give you the ability to to be able to build and grow your super over those fifteen years. If we don't cover your income, we're gonna have a, like, a massive shortfall. The difference between your income on $92 versus Centrelink income... Because $92, which is what your payslip stated, means that you're getting paid about 77 and change net, which if you migrate from 77 down to Centrelink's pay of 30 ish grand, it's it is quite a bit of a quite a bit of a difference. And even if mortgage is paid off, like, there's still there's still that shortfall.\n\nChannel 1: Yeah. That was just one of my payslip. You got both of them, didn't you?\n\nChannel 0: I\n\nChannel 1: One for 90 and one for 20 8. Yeah.\n\nChannel 0: don't\n\nChannel 1: I\n\nChannel 0: I don't believe that you're the\n\nChannel 1: have\n\nChannel 0: second attached for 20\n\nChannel 1: I have two jobs. So I should've...\n\nChannel 0: I thought you...\n\nChannel 1: Two.\n\nChannel 0: No. You're okay. I thought you did, but I... There's only the one payslip, unless I'm actually blind, which is a possibility some days too. Let me just have a look again.\n\nI'm just there.\n\nChannel 1: There's one for keep belly and then one for porting abilities. I've made.\n\nChannel 0: Oh my god. They are too... They're just back to back.\n\nChannel 1: Alright.\n\nChannel 0: No. No. You are so fine, and I completely overlooked it. Absolutely overlooked it.\n\nChannel 1: To what we're talking about? Or\n\nChannel 0: It won't make a mammoth difference, but to the income protection, it will. Because I've currently quoted on $92, which is what your income is with KIPC, not including supporting abilities. So supporting abilities takes your income from 92 up to what is essentially a 100 and\n\nChannel 1: I don't work for them anymore, but that was last\n\nChannel 0: You\n\nChannel 1: month.\n\nChannel 0: don't work for you don't work for supportabilities?\n\nChannel 1: No. But I do have another job. I have two jobs. I have three, actually. But I\n\nChannel 0: I knew\n\nChannel 1: haven't\n\nChannel 0: you had the I knew you had the multiple jobs, but, yeah, when I only saw the one payslip, I was like, maybe I'm just insane. Okay. So we don't work we don't work with supporting abilities. We we... Do we know what our income is, though?\n\nChannel 1: It'll probably be less than last year.\n\nChannel 0: Last\n\nChannel 1: Yeah.\n\nChannel 0: year would have been about a 120.\n\nChannel 1: Yeah. I'm thinking we'll be back maybe, yeah, maybe, like, 90, a 100 this year.\n\nChannel 0: K.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: don't\n\nChannel 0: I've\n\nChannel 1: know.\n\nChannel 0: done it\n\nChannel 1: Started,\n\nChannel 0: I've done\n\nChannel 1: like...\n\nChannel 0: it on... I've done your income protection on '92,\n\nChannel 1: Mhmm.\n\nChannel 0: which means that okay. Let me go back. Which means that the monthly benefit is $53.66, which... Because income protection is a taxable benefit.\n\nChannel 1: No. So it does matter.\n\nChannel 0: It matters a a bit.\n\nChannel 1: Yeah. Well, the financial year has just started. So,\n\nChannel 0: I\n\nChannel 1: you know, I...\n\nChannel 0: know.\n\nChannel 1: I'm gonna... I\n\nChannel 0: Thank\n\nChannel 1: do... I work when I wanna work.\n\nChannel 0: you. Yeah. No. And that... That's that's okay.\n\nSo, essentially speaking, the benefit you'd be paid would be $43,443.04 per month after income tax is paid.\n\nChannel 1: Sorry? I paid more. What... Sorry? What did you say?\n\nChannel 0: No. You're okay. So... And what I've quoted, because income protection is an income protection is an income. So it it provides you an income.\n\nSo it is taxed at a marginal rate.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So essentially speaking, you would get $4,434 per month or about 2,004... $2,050 a a fortnight.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Is that enough, or do we need to pivot and adjust? Because I can't pivot and adjust.\n\nChannel 1: No. That's that's enough.\n\nChannel 0: Right.\n\nChannel 1: Yep. Yep. Because I mean,\n\nChannel 0: That\n\nChannel 1: really,\n\nChannel 0: would be\n\nChannel 1: you're not working because you can't work. You're not really... Well, probably won't spend too much money.\n\nChannel 0: Generally speaking, yes. But also,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: Help...\n\nChannel 0: doctor doctor sees anything like that that's that's...\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: You know, I gotta keep your book subscriptions up as well.\n\nChannel 1: Audible.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: What are you gonna do?\n\nChannel 1: Diamond dot Crocheting this...\n\nChannel 0: Oh,\n\nChannel 1: You know?\n\nChannel 0: absolutely. I I have a puzzle on the go. It's like a 100,000 piece puzzle on the go for, like, the last five\n\nChannel 1: Oh, wow. And it's taking up all that space and just sitting there.\n\nChannel 0: years. No. It's\n\nChannel 1: Oh,\n\nChannel 0: on a rollout mat.\n\nChannel 1: cool. So\n\nChannel 0: Yeah.\n\nChannel 1: you just...\n\nChannel 0: It's got like\n\nChannel 1: Hold it in.\n\nChannel 0: a a... Yeah. It's like a piece of... Black massive piece of felt with a, like, a a a tube, like a... Basically, like a PVC pipe.\n\nYou just roll the PVC pipe and the and the mat all up, and it just currently slips underneath my bed. And then every now and again, when I, you know, clean out under the bed from whatever the kids are thrown under there and all, you know, vacuum under the bed and everything. I find it, and I'm like, oh, I'll pull it out. Do some more few more pieces. It stays there for a week or so.\n\nAnd then we crack out of my husband's, and then I'll talk about all the end.\n\nChannel 1: Yeah. Yeah. Well, I've just got a diamond dart because I've been doing it with some clients. And I'm like, oh, this is really relaxing, and I need that in my life, like, relaxing where I just switch off.\n\nChannel 0: Yeah.\n\nChannel 1: So now it's, yeah, taking over the whole table. I got beads everywhere, and it's messy. I'm like, oh. But I am I am just chilling and switching my mind off when I do it. So that's the main thing.\n\nChannel 0: Absolutely. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: What... Cool. Well, if you're comfortable with the 2,050 of Fortnight, then then it doesn't... It won't change anything. Realistically, we can ensure we can assure you for as much or as little as you want just as, like, you have to justify it, obviously.\n\nWith income protection, you can never be\n\nChannel 1: Yeah.\n\nChannel 0: better off under claim than you were at work. So, essentially speaking, if you had... Say, last year, you earned $70, and this year, you're like, yeah. I'm gonna earn a 120, and we insure you for a 120,\n\nChannel 1: Yep.\n\nChannel 0: and then you ended up only earning 70\n\nChannel 1: Yes.\n\nChannel 0: or 90, they would only pay you up to the 90 that you earned.\n\nChannel 1: Okay. Yep. Yep. No worries.\n\nChannel 0: Cool. Well, if if you're comfortable with, yeah, the income protection side of things, essentially speaking, it's just yours to review and look through.\n\nChannel 1: Okay.\n\nChannel 0: And if you wanna... Like, if you have any alternatives that you want me to look at or you want to adjust, we can do so.\n\nChannel 1: Yes.\n\nChannel 0: I would still recommend Zurich as the provider irrespective of what amounts we ended up going with, and that's purely simply they have the best policy structure, pricing for your... For your occupation. They allow... Like, it's allowed to be paid for by your SMSF funds, so that's nice and easy. It, yeah, it it...\n\nZurich works out the best for you and your position.\n\nChannel 1: Okay.\n\nChannel 0: And, again, they have that mid month payment. It's just if you want to adjust any of the amount. Ultimately, my recommendation is $7.50, like, 50 TPD, the\n\nChannel 1: Uh-huh.\n\nChannel 0: IP at those\n\nChannel 1: Yep.\n\nChannel 0: set amounts.\n\nChannel 1: Yep.\n\nChannel 0: But, yes, if you have an alternative that you want, there's one or two methodologies you can look at. You can either send me through an email and say, hey. Can you please quote up this?\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: And I can do so and send it to you. And then if that's what you wanna go ahead with, there\n\nChannel 1: Not\n\nChannel 0: is\n\nChannel 1: that\n\nChannel 0: a\n\nChannel 1: clever.\n\nChannel 0: box... There's\n\nChannel 1: I'm not that\n\nChannel 0: a\n\nChannel 1: smart,\n\nChannel 0: box...\n\nChannel 1: but you're the expert. So...\n\nChannel 0: No.\n\nChannel 1: Yep.\n\nChannel 0: You're okay. There's a box in the in the statement of advice down on the sign page that is there for you to type in any alteration. So you can actually request for an alteration to the above. You can basically just type in thanks. Appreciate your advice.\n\nHowever, I would like to proceed with\n\nChannel 1: Mhmm.\n\nChannel 0: this quote for these amounts. And you would put that in, and I would then organize a time to go through the application with you. My... I have... One of my administrators is...\n\nSpecializes in insurance,\n\nChannel 1: Yep.\n\nChannel 0: and they would go through the application with you and be able to complete the questionnaire, which I... You've gone through before, so I I don't need to sort of run through too too in-depth. But, basically, you answer all the questions under the fund to do with your health, occupation, everything like that,\n\nChannel 1: Mhmm.\n\nChannel 0: and that gets submitted to the insurer. The insurer is then able to put it in place and send payment request to your super fund.\n\nChannel 1: Okay. Awesome. Yep. No worries. That sounds good.\n\nNow I appreciate your advice because I have no bloody idea, but what you're saying makes a bit of sense. So that's that's good. Yep. I don't... Any...\n\nYeah. I'll\n\nChannel 0: Yeah.\n\nChannel 1: be...\n\nChannel 0: Sorry.\n\nChannel 1: Something with you, whatever it is. I don't have any other one in mind, so but I have a bit of a proposal then and... Yeah. Sort something out soon. And then once we do all that, it gets processed pretty quickly or, like, I pay for it and then I'm I'm in?\n\nOr what? How\n\nChannel 0: Alright.\n\nChannel 1: long\n\nChannel 0: Yeah.\n\nChannel 1: does it\n\nChannel 0: Essentially. So once you authorize the advice, my my team will call you\n\nChannel 1: take?\n\nChannel 0: to schedule a time to go through application. Application will take anywhere from half hour to an hour.\n\nChannel 1: Yep.\n\nChannel 0: I had a look over your last application from years gone by, and no red flags. And as we talked about a couple weeks ago, you have nothing else that's popped up in your house. So it shouldn't take any longer than an hour, and that'll only\n\nChannel 1: Yes.\n\nChannel 0: be if, like, you have any questions or something like that. Outside of that, once the application goes through and is approved, the insurer will generally... Like, I I basically say it takes about two weeks.\n\nChannel 1: Yep.\n\nChannel 0: It's just the insurer will do all their checks, issue what's called the... Send you your currency and policy schedule to you, and they will then request payment, and then payment gets made. I've set up for the payment methodology to basically be direct debit from the SMSF cash account. It's the easiest method for SMSF payments. There is one other method, which is basically they invoice you when you pay the invoice.\n\nChannel 1: Yeah. Because... And why why my last insurance lapsed was because the insurer couldn't get payment. Like, it wouldn't accept payment until I done the tax return on my super. So that's how it lapsed.\n\nSo it'd be easier if I pay it. But now, at least I know, to bloody pay it instead of letting it lapse.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah. I I can myself at any time. Yeah. But\n\nChannel 0: No. It's\n\nChannel 1: I want...\n\nChannel 0: so fine.\n\nChannel 1: Yeah. It doesn't it doesn't work for some reason. So... Yeah. Oh, mate.\n\nIt's fun.\n\nChannel 0: No.\n\nChannel 1: Can't believe I've done\n\nChannel 0: I\n\nChannel 1: it.\n\nChannel 0: know.\n\nChannel 1: I've winged\n\nChannel 0: Yeah. You did alright.\n\nChannel 1: it.\n\nChannel 0: The only other document for you to sign is essentially the the quote. So it just... It details out the quote. As I said, the premiums are set. So this is something I'd wanna review with you at a minimum every two years.\n\nIt's just a touch base to say, hey. How much does the mortgage drop by? Let's drop the policy by a little bit, and we would just decrease it. But the annualized, like, pre... Like, the premium projections are written in that because as you get older, the premiums do increase.\n\nChannel 1: Yep. Okay. Right. Yep. Yep.\n\nYep. Okay. No problem. Thank you.\n\nChannel 0: That's okay. What I'll do is I will leave it with you, and I will task Maddie, who you spoke to to organize our initial meeting. I'll task her to follow-up with you in a week.\n\nChannel 1: Mhmm. Yep. No worries. Sounds good.\n\nChannel 0: Perfect. Alright. Well, I will let you go, do everything you need to do, and we... I'll touch base with you in a week.\n\nChannel 1: Yep. Beautiful. Alright. Thanks, Clarissa. Have a great day.\n\nChannel 0: Too. Thanks, Hazel.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.006883773021399975},{"text":"It's Rachel.","start":2.48,"end":3.3799999,"sentiment":"neutral","sentiment_score":-0.0033290297724306583},{"text":"Oh, shit.","start":4.08,"end":4.7999997,"sentiment":"negative","sentiment_score":-0.4303244948387146},{"text":"Are you there?","start":4.7999997,"end":5.46,"sentiment":"neutral","sentiment_score":-0.24161713322003683}],"sentiment":"neutral","sentiment_score":-0.19815933448262513,"channel":1,"num_words":8,"start":1.92,"end":5.46},{"sentences":[{"text":"Yeah.","start":5.8399997,"end":6.3399997,"sentiment":"neutral","sentiment_score":-0.06623829901218414},{"text":"Hi,.","start":6.72,"end":7.22,"sentiment":"neutral","sentiment_score":-0.009086476638913156}],"sentiment":"neutral","sentiment_score":-0.03766238782554865,"channel":0,"num_words":2,"start":5.8399997,"end":7.22},{"sentences":[{"text":"Oh,","start":6.7999997,"end":7.2999997,"sentiment":"neutral","sentiment_score":-0.011358007788658142}],"sentiment":"neutral","sentiment_score":-0.011358007788658142,"channel":1,"num_words":1,"start":6.7999997,"end":7.2999997},{"sentences":[{"text":"How are","start":7.6,"end":7.9199996,"sentiment":"neutral","sentiment_score":-0.04557358659803867}],"sentiment":"neutral","sentiment_score":-0.04557358659803867,"channel":0,"num_words":2,"start":7.6,"end":7.9199996},{"sentences":[{"text":"sorry.","start":7.8399997,"end":8.16,"sentiment":"neutral","sentiment_score":-0.08464212715625763}],"sentiment":"neutral","sentiment_score":-0.08464212715625763,"channel":1,"num_words":1,"start":7.8399997,"end":8.16},{"sentences":[{"text":"you going?","start":7.9199996,"end":8.5,"sentiment":"neutral","sentiment_score":-0.029583176597952843}],"sentiment":"neutral","sentiment_score":-0.029583176597952843,"channel":0,"num_words":2,"start":7.9199996,"end":8.5},{"sentences":[{"text":"I just swore.","start":8.16,"end":8.96,"sentiment":"neutral","sentiment_score":-0.1023474633693695},{"text":"Hang on a minute.","start":8.96,"end":9.679999,"sentiment":"neutral","sentiment_score":-0.051775732543319464},{"text":"I'll just find the speaker.","start":9.679999,"end":11.7,"sentiment":"neutral","sentiment_score":-0.012043306045234204},{"text":"Where are we?","start":14.615,"end":18.101665,"sentiment":"neutral","sentiment_score":-0.019100670392314594},{"text":"Okay.","start":19.095,"end":19.414999,"sentiment":"neutral","sentiment_score":0.05169106274843216}],"sentiment":"neutral","sentiment_score":-0.03624829993350431,"channel":1,"num_words":16,"start":8.16,"end":19.414999},{"sentences":[{"text":"That's better.","start":19.414999,"end":20.234999,"sentiment":"neutral","sentiment_score":0.1513911783695221}],"sentiment":"neutral","sentiment_score":0.1513911783695221,"channel":1,"num_words":2,"start":19.414999,"end":20.234999},{"sentences":[{"text":"How are","start":21.285,"end":21.605,"sentiment":"neutral","sentiment_score":0.01807048637419939}],"sentiment":"neutral","sentiment_score":0.01807048637419939,"channel":0,"num_words":2,"start":21.285,"end":21.605},{"sentences":[{"text":"Sorry.","start":21.575,"end":22.075,"sentiment":"neutral","sentiment_score":-0.03742465376853943}],"sentiment":"neutral","sentiment_score":-0.03742465376853943,"channel":1,"num_words":1,"start":21.575,"end":22.075},{"sentences":[{"text":"you doing, though?","start":21.605,"end":22.585,"sentiment":"neutral","sentiment_score":-0.01719878303507964}],"sentiment":"neutral","sentiment_score":-0.01719878303507964,"channel":0,"num_words":3,"start":21.605,"end":22.585},{"sentences":[{"text":"Sorry.","start":23.015,"end":23.335,"sentiment":"neutral","sentiment_score":-0.06234309822320938},{"text":"I'm just finishing off my lunch because I I had someone come and do a quote for some roller shutters, and he he was here longer than I expected.","start":23.335,"end":31.37,"sentiment":"neutral","sentiment_score":-0.01622936778284352},{"text":"What","start":31.43,"end":31.93,"sentiment":"neutral","sentiment_score":-0.03598201274871826}],"sentiment":"neutral","sentiment_score":-0.018354089570141608,"channel":1,"num_words":31,"start":23.015,"end":31.93},{"sentences":[{"text":"No.","start":32.34,"end":32.579998,"sentiment":"neutral","sentiment_score":-0.16826999187469482}],"sentiment":"neutral","sentiment_score":-0.16826999187469482,"channel":0,"num_words":1,"start":32.34,"end":32.579998},{"sentences":[{"text":"was this?","start":32.47,"end":33.05,"sentiment":"neutral","sentiment_score":-0.07106997445225716}],"sentiment":"neutral","sentiment_score":-0.07106997445225716,"channel":1,"num_words":2,"start":32.47,"end":33.05},{"sentences":[{"text":"You're so fine.","start":32.579998,"end":33.88,"sentiment":"neutral","sentiment_score":0.29094309608141583}],"sentiment":"neutral","sentiment_score":0.29094309608141583,"channel":0,"num_words":3,"start":32.579998,"end":33.88},{"sentences":[{"text":"Finished","start":33.99,"end":34.47,"sentiment":"neutral","sentiment_score":0.14794085919857025}],"sentiment":"neutral","sentiment_score":0.14794085919857025,"channel":1,"num_words":1,"start":33.99,"end":34.47},{"sentences":[{"text":"I got","start":34.02,"end":34.84,"sentiment":"neutral","sentiment_score":0.2505621835589409}],"sentiment":"neutral","sentiment_score":0.2505621835589409,"channel":0,"num_words":2,"start":34.02,"end":34.84},{"sentences":[{"text":"my lunch.","start":34.47,"end":35.21,"sentiment":"neutral","sentiment_score":0.1715984269976616}],"sentiment":"neutral","sentiment_score":0.1715984269976616,"channel":1,"num_words":2,"start":34.47,"end":35.21},{"sentences":[{"text":"I got stuck on the phone with Superfunds.","start":35.3,"end":37.0,"sentiment":"neutral","sentiment_score":-0.00044255401007831097},{"text":"So","start":37.22,"end":37.695,"sentiment":"neutral","sentiment_score":0.0038476157933473583}],"sentiment":"neutral","sentiment_score":0.000034131523635652284,"channel":0,"num_words":9,"start":35.3,"end":37.695},{"sentences":[{"text":"You got what?","start":38.15,"end":39.05,"sentiment":"neutral","sentiment_score":-0.002357673831284046}],"sentiment":"neutral","sentiment_score":-0.002357673831284046,"channel":1,"num_words":3,"start":38.15,"end":39.05},{"sentences":[{"text":"I got stuck on the phone to one of the super funds, so I get it.","start":39.215,"end":43.235,"sentiment":"neutral","sentiment_score":0.01964379765558988}],"sentiment":"neutral","sentiment_score":0.01964379765558988,"channel":0,"num_words":16,"start":39.215,"end":43.235},{"sentences":[{"text":"No.","start":43.475,"end":43.635,"sentiment":"neutral","sentiment_score":-0.0187419131398201},{"text":"You're good.","start":43.635,"end":44.155,"sentiment":"positive","sentiment_score":0.3557722419500351},{"text":"It brought me some time to eat my lunch, so that's all good.","start":44.155,"end":47.655,"sentiment":"positive","sentiment_score":0.49951067796120274}],"sentiment":"positive","sentiment_score":0.4491525865159929,"channel":1,"num_words":16,"start":43.475,"end":47.655},{"sentences":[{"text":"No.","start":48.175,"end":48.415,"sentiment":"neutral","sentiment_score":-0.1705860197544098},{"text":"You're okay.","start":48.415,"end":48.895,"sentiment":"neutral","sentiment_score":-0.059909285977482796},{"text":"You're step ahead of me.","start":48.895,"end":49.775,"sentiment":"neutral","sentiment_score":-0.2105542927980423},{"text":"I'm kinda glaring at my husband at the moment asking if he'll kind of make food for 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to, and I am touching all of the words I can, you were to contract an illness that prevented you from being able to work, like, you need your core strength, your back, the ability to lift, move, and you were not able to do that anymore,","start":1003.58997,"end":1023.90497,"sentiment":"neutral","sentiment_score":-0.12575166057795287}],"sentiment":"neutral","sentiment_score":-0.08792060987219553,"channel":0,"num_words":88,"start":994.67505,"end":1023.90497},{"sentences":[{"text":"Yep.","start":1024.32,"end":1024.82,"sentiment":"neutral","sentiment_score":0.07974045723676682}],"sentiment":"neutral","sentiment_score":0.07974045723676682,"channel":1,"num_words":1,"start":1024.32,"end":1024.82},{"sentences":[{"text":"TPD would be able to pay out.","start":1025.8049,"end":1028.02,"sentiment":"neutral","sentiment_score":0.24275394635541098},{"text":"Within twelve months of your TPD being accepted and paying out, your life cover actually gets bought back, and that life cover policy stays in place.","start":1028.02,"end":1035.38,"sentiment":"neutral","sentiment_score":0.22764405206992075},{"text":"So you get to double dip on that policy because I have a specific inclusion of your TPD.","start":1035.38,"end":1040.4401,"sentiment":"neutral","sentiment_score":0.08432337548583746},{"text":"However, in the event, let's just say, that I had a client that's stroked and, you know, stroke causes TPD, we claim TPD, they passed away within six months of that TPD policy,","start":1041.3049,"end":1054.765,"sentiment":"neutral","sentiment_score":-0.14705032381144437}],"sentiment":"neutral","sentiment_score":0.050990274419919365,"channel":0,"num_words":84,"start":1025.8049,"end":1054.765},{"sentences":[{"text":"Yeah.","start":1055.435,"end":1055.935,"sentiment":"neutral","sentiment_score":-0.16288286447525024}],"sentiment":"neutral","sentiment_score":-0.16288286447525024,"channel":1,"num_words":1,"start":1055.435,"end":1055.935},{"sentences":[{"text":"the life policy would not pay out because during that twelve month period, the life policy is basically suspended.","start":1055.5499,"end":1061.25,"sentiment":"neutral","sentiment_score":-0.2717100993583077},{"text":"And it does happen.","start":1063.47,"end":1064.61,"sentiment":"neutral","sentiment_score":-0.1882710214704275},{"text":"It is a risk in structuring policy this way, But, ultimately speaking, the TPD policy is set to pay out your mortgage anyway, and the life policy would ultimately be a bit of a double dip.","start":1064.6699,"end":1077.8049,"sentiment":"neutral","sentiment_score":-0.22399452494250405},{"text":"The only reason the life policy is sitting at $7.50 is because it structurally makes things cheaper for you.","start":1077.8049,"end":1084.04,"sentiment":"neutral","sentiment_score":-0.062351969773053975}],"sentiment":"neutral","sentiment_score":-0.19441110637574008,"channel":0,"num_words":78,"start":1055.5499,"end":1084.04},{"sentences":[{"text":"Okay.","start":1084.845,"end":1085.245,"sentiment":"neutral","sentiment_score":0.03878360614180565},{"text":"Yep.","start":1085.245,"end":1085.565,"sentiment":"neutral","sentiment_score":0.05940677970647812},{"text":"Yep.","start":1085.565,"end":1086.065,"sentiment":"neutral","sentiment_score":0.0685790479183197}],"sentiment":"neutral","sentiment_score":0.05558981125553449,"channel":1,"num_words":3,"start":1084.845,"end":1086.065},{"sentences":[{"text":"By structuring things this way and going to the $7.50, the life CPD with the flyback and the IP, we're sitting at $27.49 and 34¢.","start":1087.7,"end":1098.615,"sentiment":"neutral","sentiment_score":0.08510599161187808},{"text":"It is, however, a stepped policy, which means that it will increase over the years.","start":1099.235,"end":1105.015,"sentiment":"neutral","sentiment_score":-0.07877029366791248},{"text":"So it does","start":1105.635,"end":1106.355,"sentiment":"neutral","sentiment_score":0.014341077456871668}],"sentiment":"neutral","sentiment_score":0.021524110143738135,"channel":0,"num_words":43,"start":1087.7,"end":1106.355},{"sentences":[{"text":"Okay.","start":1106.155,"end":1106.655,"sentiment":"neutral","sentiment_score":-0.03226839751005173}],"sentiment":"neutral","sentiment_score":-0.03226839751005173,"channel":1,"num_words":1,"start":1106.155,"end":1106.655},{"sentences":[{"text":"still need to be looked 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reasons.","start":1120.14,"end":1124.56,"sentiment":"neutral","sentiment_score":0.10720707972844441},{"text":"I have, like, on page 11 of the statement of advice, I have a full, like, breakdown of, like, the needs analysis from our discussion, what we were trying to replace, and where that sort of works at,","start":1125.1001,"end":1135.515,"sentiment":"neutral","sentiment_score":0.13301357156351992}],"sentiment":"neutral","sentiment_score":0.1287689929207166,"channel":0,"num_words":48,"start":1117.5,"end":1135.515},{"sentences":[{"text":"Yep.","start":1135.875,"end":1136.375,"sentiment":"neutral","sentiment_score":0.14471888542175293}],"sentiment":"neutral","sentiment_score":0.14471888542175293,"channel":1,"num_words":1,"start":1135.875,"end":1136.375},{"sentences":[{"text":"and and sort of the calculation for how I got to your needs of, like, you know, the 1.39.","start":1136.215,"end":1141.595,"sentiment":"neutral","sentiment_score":0.10607220781476874},{"text":"And then I haven't pressed send because I am autistically distracted today.","start":1142.5,"end":1148.36,"sentiment":"neutral","sentiment_score":-0.22404404605428377},{"text":"I cannot multitask today.","start":1149.14,"end":1150.66,"sentiment":"negative","sentiment_score":-0.5001489967107773},{"text":"It is it is being a day of, like, pure 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bad.","start":1165.655,"end":1166.875,"sentiment":"negative","sentiment_score":-0.6363562494516373}],"sentiment":"negative","sentiment_score":-0.4380767352201722,"channel":0,"num_words":22,"start":1159.735,"end":1166.875},{"sentences":[{"text":"Probably something to do with, like, sleep.","start":1167.015,"end":1168.455,"sentiment":"negative","sentiment_score":-0.4787531580243792},{"text":"But, 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look up now what I used to pay my insurance if I have it here on record somewhere.","start":1176.48,"end":1185.3,"sentiment":"neutral","sentiment_score":-0.010214810513637283},{"text":"I think it's about the same anyway, but","start":1189.495,"end":1191.835,"sentiment":"neutral","sentiment_score":0.021963793318718672}],"sentiment":"neutral","sentiment_score":-0.0002386256331397641,"channel":1,"num_words":31,"start":1176.0,"end":1191.835},{"sentences":[{"text":"I've just sent that to you.","start":1200.08,"end":1201.86,"sentiment":"neutral","sentiment_score":0.0746859721839428},{"text":"We can look right back as well.","start":1202.7999,"end":1205.22,"sentiment":"neutral","sentiment_score":0.07665146089025907},{"text":"But, essentially, the the appendix just kind of has, like, the alternative quotes that I looked at.","start":1207.44,"end":1217.215,"sentiment":"neutral","sentiment_score":0.034880075494156164},{"text":"So you can see where I was looking with different, like, value sum amount and what those premiums look like.","start":1217.215,"end":1228.27,"sentiment":"neutral","sentiment_score":0.02811956200748682},{"text":"So, like, if I was gonna go with the $8.65 with literally $22,220,000 in life and CBD, we were looking at $10,230 a year.","start":1229.69,"end":1242.905,"sentiment":"neutral","sentiment_score":0.002293766476213932}],"sentiment":"neutral","sentiment_score":0.029663229436689132,"channel":0,"num_words":74,"start":1200.08,"end":1242.905},{"sentences":[{"text":"Jesus.","start":1243.28,"end":1243.78,"sentiment":"neutral","sentiment_score":0.026641851291060448}],"sentiment":"neutral","sentiment_score":0.026641851291060448,"channel":1,"num_words":1,"start":1243.28,"end":1243.78},{"sentences":[{"text":"Yeah.","start":1244.805,"end":1245.305,"sentiment":"neutral","sentiment_score":0.033486925065517426},{"text":"If we were looking at a five year benefit period on the IP with nearly 1,000,000 in in life insurance, we're looking at $77,000.","start":1245.765,"end":1253.56,"sentiment":"neutral","sentiment_score":0.03280848839009801},{"text":"If we want, like, 1.5 mil, two years waiting period, we're looking at 5,800.","start":1254.1001,"end":1260.2001,"sentiment":"neutral","sentiment_score":0.03627151210925409}],"sentiment":"neutral","sentiment_score":0.034069020921985306,"channel":0,"num_words":39,"start":1244.805,"end":1260.2001},{"sentences":[{"text":"Yeah.","start":1260.78,"end":1261.28,"sentiment":"neutral","sentiment_score":0.04597186297178269}],"sentiment":"neutral","sentiment_score":0.04597186297178269,"channel":1,"num_words":1,"start":1260.78,"end":1261.28},{"sentences":[{"text":"You know, if we're looking at 2,200 for life, 2,200 for TPD plus an additional $930 in TPD with a 30 and 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the top few for each scenario.","start":1330.1151,"end":1332.8551,"sentiment":"neutral","sentiment_score":0.04711157288402319}],"sentiment":"neutral","sentiment_score":0.06275159590519391,"channel":0,"num_words":65,"start":1311.58,"end":1332.8551},{"sentences":[{"text":"Didn't wanna overload you with, who's every single provider?","start":1333.635,"end":1336.4551,"sentiment":"neutral","sentiment_score":-0.03270852307064666}],"sentiment":"neutral","sentiment_score":-0.03270852307064666,"channel":0,"num_words":9,"start":1333.635,"end":1336.4551},{"sentences":[{"text":"Yeah.","start":1336.985,"end":1337.485,"sentiment":"neutral","sentiment_score":0.013785081915557384},{"text":"Yeah.","start":1337.865,"end":1338.365,"sentiment":"neutral","sentiment_score":0.016617756336927414}],"sentiment":"neutral","sentiment_score":0.0152014191262424,"channel":1,"num_words":2,"start":1336.985,"end":1338.365},{"sentences":[{"text":"Make 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on every dollar because that's the superannuation tax rate.","start":1369.29,"end":1372.35,"sentiment":"neutral","sentiment_score":0.05639860654870669}],"sentiment":"neutral","sentiment_score":0.05639860654870669,"channel":0,"num_words":10,"start":1369.29,"end":1372.35},{"sentences":[{"text":"Yep.","start":1373.64,"end":1373.96,"sentiment":"neutral","sentiment_score":0.03555067628622055},{"text":"So that's just a part of when I get audited every year and to put my tax","start":1373.96,"end":1377.5599,"sentiment":"neutral","sentiment_score":0.022384326357175324}],"sentiment":"neutral","sentiment_score":0.023115790242122278,"channel":1,"num_words":18,"start":1373.64,"end":1377.5599},{"sentences":[{"text":"Yep.","start":1377.37,"end":1377.87,"sentiment":"neutral","sentiment_score":0.02991332672536373}],"sentiment":"neutral","sentiment_score":0.02991332672536373,"channel":0,"num_words":1,"start":1377.37,"end":1377.87},{"sentences":[{"text":"return, and it 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that.","start":1380.505,"end":1382.685,"sentiment":"neutral","sentiment_score":-0.03678700840100646},{"text":"Same thing would happen with your with your other insurance policy.","start":1382.905,"end":1388.125,"sentiment":"neutral","sentiment_score":-0.0830375196581537}],"sentiment":"neutral","sentiment_score":-0.06356362018146013,"channel":0,"num_words":19,"start":1380.505,"end":1388.125},{"sentences":[{"text":"Yeah.","start":1389.045,"end":1389.365,"sentiment":"neutral","sentiment_score":-0.142426997423172},{"text":"I haven't even been picked up on that.","start":1389.365,"end":1391.045,"sentiment":"neutral","sentiment_score":-0.2869623079895973},{"text":"You know, when I do my tax return every year, I haven't I haven't even been put...","start":1391.045,"end":1396.105,"sentiment":"neutral","sentiment_score":-0.2262739433961756},{"text":"Like, they haven't even said anything about there not being any payments for insurance.","start":1396.485,"end":1401.385,"sentiment":"neutral","sentiment_score":-0.22867230113063539},{"text":"Yeah.","start":1403.32,"end":1403.72,"sentiment":"neutral","sentiment_score":-0.06805317848920822}],"sentiment":"neutral","sentiment_score":-0.23303043642422047,"channel":1,"num_words":41,"start":1389.045,"end":1403.72},{"sentences":[{"text":"So...","start":1403.72,"end":1404.22,"sentiment":"neutral","sentiment_score":-0.04444800689816475},{"text":"Amazing.","start":1404.76,"end":1405.26,"sentiment":"neutral","sentiment_score":0.04960180819034576},{"text":"Anyway, that's probably fraud or something, so we won't talk about that too much.","start":1405.5599,"end":1409.9,"sentiment":"negative","sentiment_score":-0.46206478774547577},{"text":"I don't know.","start":1409.96,"end":1410.78,"sentiment":"neutral","sentiment_score":-0.23217496275901794}],"sentiment":"negative","sentiment_score":-0.37685674291692284,"channel":1,"num_words":19,"start":1403.72,"end":1410.78},{"sentences":[{"text":"No.","start":1413.135,"end":1413.295,"sentiment":"neutral","sentiment_score":-0.2282400131225586},{"text":"I think it's okay.","start":1413.295,"end":1414.4349,"sentiment":"neutral","sentiment_score":-0.09305711276829243}],"sentiment":"neutral","sentiment_score":-0.12009369283914566,"channel":0,"num_words":5,"start":1413.135,"end":1414.4349},{"sentences":[{"text":"Yeah.","start":1415.4,"end":1415.9,"sentiment":"neutral","sentiment_score":0.1638476550579071},{"text":"Yeah.","start":1417.235,"end":1417.7151,"sentiment":"neutral","sentiment_score":0.2973800301551819},{"text":"All good.","start":1417.7151,"end":1418.4551,"sentiment":"positive","sentiment_score":0.4872739017009735},{"text":"Yeah.","start":1419.155,"end":1419.655,"sentiment":"neutral","sentiment_score":0.13969290256500244},{"text":"So, obviously, there hasn't been anything coming out of my super.","start":1419.795,"end":1424.055,"sentiment":"neutral","sentiment_score":-0.061722649430686775}],"sentiment":"neutral","sentiment_score":0.056032452965155244,"channel":1,"num_words":16,"start":1415.4,"end":1424.055},{"sentences":[{"text":"And then now I've gotta, yeah, tidy things up and get...","start":1424.755,"end":1427.735,"sentiment":"neutral","sentiment_score":-0.03175280006094412},{"text":"Yeah.","start":1427.795,"end":1428.115,"sentiment":"neutral","sentiment_score":0.03640325367450714},{"text":"Make everything safe and myself and my super...","start":1428.115,"end":1431.84,"sentiment":"neutral","sentiment_score":0.038415223360061646},{"text":"My my 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want you to take, you know, a little bit of time to read over the document.","start":1449.8099,"end":1453.59,"sentiment":"neutral","sentiment_score":0.042660053381148505}],"sentiment":"neutral","sentiment_score":0.007949512780589215,"channel":0,"num_words":34,"start":1444.265,"end":1453.59},{"sentences":[{"text":"While it's not the biggest document I've ever sent in my life, it still does contain this information.","start":1453.73,"end":1458.95,"sentiment":"neutral","sentiment_score":-0.042447973146206804}],"sentiment":"neutral","sentiment_score":-0.042447973146206804,"channel":0,"num_words":18,"start":1453.73,"end":1458.95},{"sentences":[{"text":"Yep.","start":1458.705,"end":1459.05,"sentiment":"neutral","sentiment_score":0.01996602863073349},{"text":"Yeah.","start":1459.53,"end":1459.77,"sentiment":"neutral","sentiment_score":0.017072340473532677},{"text":"Yeah.","start":1459.77,"end":1460.25,"sentiment":"neutral","sentiment_score":0.011332489550113678},{"text":"And I have a lot 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in the actual statement of advice on page 12, I have a alternative to basically provide a reduced amount of life and TPD and dropping it down to sort of 230,000.","start":1478.075,"end":1503.795,"sentiment":"neutral","sentiment_score":0.03452935116365552}],"sentiment":"neutral","sentiment_score":0.029678131399703198,"channel":0,"num_words":69,"start":1467.595,"end":1503.795},{"sentences":[{"text":"Okay.","start":1504.355,"end":1504.855,"sentiment":"neutral","sentiment_score":0.04201269894838333}],"sentiment":"neutral","sentiment_score":0.04201269894838333,"channel":1,"num_words":1,"start":1504.355,"end":1504.855},{"sentences":[{"text":"It was my first consideration that I made because we had talked about, like, just going from there, and that was paying the mortgage of 02/20 and then having a $630.16 coverage in the shortfall that your income protection policy would pay you.","start":1505.3999,"end":1525.615,"sentiment":"neutral","sentiment_score":0.01633222208380006},{"text":"So it's 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this?","start":2105.735,"end":2107.275,"sentiment":"neutral","sentiment_score":0.04481168525914351}],"sentiment":"neutral","sentiment_score":0.045884364336315125,"channel":0,"num_words":36,"start":2097.2551,"end":2107.275},{"sentences":[{"text":"Yep.","start":2107.415,"end":2107.655,"sentiment":"neutral","sentiment_score":0.03737057745456696},{"text":"Mhmm.","start":2107.655,"end":2108.155,"sentiment":"neutral","sentiment_score":0.016680922359228134}],"sentiment":"neutral","sentiment_score":0.02702574990689755,"channel":1,"num_words":2,"start":2107.415,"end":2108.155},{"sentences":[{"text":"And I can do so and send it to you.","start":2107.815,"end":2109.87,"sentiment":"neutral","sentiment_score":0.18730477392673492},{"text":"And then if that's what you wanna go ahead with, 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you're the expert.","start":2117.8499,"end":2119.05,"sentiment":"neutral","sentiment_score":-0.1453695334494114},{"text":"So...","start":2119.05,"end":2119.55,"sentiment":"neutral","sentiment_score":-0.06269648671150208}],"sentiment":"neutral","sentiment_score":-0.12883492410182953,"channel":1,"num_words":5,"start":2117.8499,"end":2119.55},{"sentences":[{"text":"No.","start":2119.31,"end":2119.81,"sentiment":"neutral","sentiment_score":-0.06677956134080887}],"sentiment":"neutral","sentiment_score":-0.06677956134080887,"channel":0,"num_words":1,"start":2119.31,"end":2119.81},{"sentences":[{"text":"Yep.","start":2120.17,"end":2120.67,"sentiment":"neutral","sentiment_score":0.02304227463901043}],"sentiment":"neutral","sentiment_score":0.02304227463901043,"channel":1,"num_words":1,"start":2120.17,"end":2120.67},{"sentences":[{"text":"You're okay.","start":2120.75,"end":2121.7302,"sentiment":"neutral","sentiment_score":0.1403587907552719},{"text":"There's a box in the in the statement of advice down on the sign page that is there for you to type in any alteration.","start":2122.305,"end":2133.025,"sentiment":"neutral","sentiment_score":0.11582895994186401},{"text":"So you can actually request for an alteration to the above.","start":2133.025,"end":2136.005,"sentiment":"neutral","sentiment_score":0.19146634909239682},{"text":"You can basically just type in thanks.","start":2136.1702,"end":2137.61,"sentiment":"neutral","sentiment_score":0.27810668093817575},{"text":"Appreciate your advice.","start":2137.61,"end":2138.4102,"sentiment":"positive","sentiment_score":0.5179174542427063}],"sentiment":"neutral","sentiment_score":0.18298063644518456,"channel":0,"num_words":48,"start":2120.75,"end":2138.4102},{"sentences":[{"text":"However, I would like to proceed 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insurer.","start":2174.01,"end":2175.45,"sentiment":"neutral","sentiment_score":0.06509924360683986},{"text":"The insurer is then able to put it in place and send payment request to your super fund.","start":2175.45,"end":2181.31,"sentiment":"neutral","sentiment_score":0.09572707385652596}],"sentiment":"neutral","sentiment_score":0.08715128138661385,"channel":0,"num_words":25,"start":2174.01,"end":2181.31},{"sentences":[{"text":"Okay.","start":2181.6648,"end":2182.065,"sentiment":"neutral","sentiment_score":0.1980091631412506},{"text":"Awesome.","start":2182.065,"end":2182.565,"sentiment":"positive","sentiment_score":0.3944509625434875},{"text":"Yep.","start":2182.625,"end":2183.025,"sentiment":"neutral","sentiment_score":0.2762371599674225},{"text":"No worries.","start":2183.025,"end":2183.6648,"sentiment":"neutral","sentiment_score":0.3076237887144089},{"text":"That sounds 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with you, whatever it is.","start":2195.8599,"end":2197.8,"sentiment":"neutral","sentiment_score":-0.028482098132371902},{"text":"I don't have any other one in mind, so but I have a bit of a proposal then and...","start":2198.26,"end":2205.055,"sentiment":"neutral","sentiment_score":-0.0331150636469063},{"text":"Yeah.","start":2206.875,"end":2207.035,"sentiment":"neutral","sentiment_score":0.026873573660850525},{"text":"Sort something out soon.","start":2207.035,"end":2208.155,"sentiment":"neutral","sentiment_score":0.04145369865000248},{"text":"And then once we do all that, it gets processed pretty quickly or, like, I pay for it and then I'm I'm in?","start":2208.155,"end":2216.875,"sentiment":"neutral","sentiment_score":0.07004245585235565}],"sentiment":"neutral","sentiment_score":0.018935585939237533,"channel":1,"num_words":53,"start":2195.8599,"end":2216.875},{"sentences":[{"text":"Or 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application.","start":2225.58,"end":2227.68,"sentiment":"neutral","sentiment_score":0.10606030654162169},{"text":"Application will take anywhere from half hour to an hour.","start":2228.06,"end":2231.04,"sentiment":"neutral","sentiment_score":0.09295186549425125}],"sentiment":"neutral","sentiment_score":0.09877783929308255,"channel":0,"num_words":18,"start":2225.58,"end":2231.04},{"sentences":[{"text":"Yep.","start":2231.705,"end":2232.205,"sentiment":"neutral","sentiment_score":0.02536364272236824}],"sentiment":"neutral","sentiment_score":0.02536364272236824,"channel":1,"num_words":1,"start":2231.705,"end":2232.205},{"sentences":[{"text":"I had a look over your last application from years gone by, and no red flags.","start":2232.14,"end":2238.0552,"sentiment":"neutral","sentiment_score":0.06695729261264205},{"text":"And as we talked about a couple weeks ago, you have nothing else that's popped up in your house.","start":2238.0552,"end":2242.375,"sentiment":"neutral","sentiment_score":0.21353894942685178},{"text":"So it shouldn't take any longer than an hour, and that'll only","start":2242.375,"end":2245.735,"sentiment":"neutral","sentiment_score":0.2349368892610073}],"sentiment":"neutral","sentiment_score":0.169102114724352,"channel":0,"num_words":47,"start":2232.14,"end":2245.735},{"sentences":[{"text":"Yes.","start":2245.6199,"end":2246.1199,"sentiment":"neutral","sentiment_score":0.15730151534080505}],"sentiment":"neutral","sentiment_score":0.15730151534080505,"channel":1,"num_words":1,"start":2245.6199,"end":2246.1199},{"sentences":[{"text":"be if, like, you have any questions or something like that.","start":2245.735,"end":2248.77,"sentiment":"neutral","sentiment_score":0.11001175743612376},{"text":"Outside of that, once the application goes through and is approved, the insurer will generally...","start":2249.57,"end":2257.59,"sentiment":"neutral","sentiment_score":0.08510968734820684},{"text":"Like, I I basically say it takes about two weeks.","start":2257.73,"end":2260.31,"sentiment":"neutral","sentiment_score":0.0662420840933919}],"sentiment":"neutral","sentiment_score":0.08747765230428842,"channel":0,"num_words":36,"start":2245.735,"end":2260.31},{"sentences":[{"text":"Yep.","start":2260.7952,"end":2261.2952,"sentiment":"neutral","sentiment_score":0.17772439122200012}],"sentiment":"neutral","sentiment_score":0.17772439122200012,"channel":1,"num_words":1,"start":2260.7952,"end":2261.2952},{"sentences":[{"text":"It's just the insurer will do all their checks, issue what's called the...","start":2260.93,"end":2264.9749,"sentiment":"neutral","sentiment_score":0.09539430187298702},{"text":"Send you your currency and policy schedule to you, and they will then request payment, and then payment gets made.","start":2265.755,"end":2272.095,"sentiment":"neutral","sentiment_score":0.14142592288553715},{"text":"I've set up for the payment methodology to basically be direct debit from the SMSF cash account.","start":2272.315,"end":2277.615,"sentiment":"neutral","sentiment_score":0.18077319685150595},{"text":"It's the easiest method for SMSF payments.","start":2279.3901,"end":2283.25,"sentiment":"neutral","sentiment_score":0.21662025579384395},{"text":"There is one other method, which is basically they invoice you when you pay the invoice.","start":2285.07,"end":2289.1702,"sentiment":"neutral","sentiment_score":0.10037821670994163}],"sentiment":"neutral","sentiment_score":0.14060523269111164,"channel":0,"num_words":73,"start":2260.93,"end":2289.1702},{"sentences":[{"text":"Yeah.","start":2289.815,"end":2290.135,"sentiment":"neutral","sentiment_score":0.011160403490066528},{"text":"Because...","start":2290.135,"end":2290.635,"sentiment":"neutral","sentiment_score":-0.027392270043492317},{"text":"And why why my last insurance lapsed was because the insurer couldn't get payment.","start":2290.935,"end":2297.675,"sentiment":"neutral","sentiment_score":-0.2694947400263378},{"text":"Like, it wouldn't accept payment until I done the tax return on my super.","start":2298.215,"end":2302.72,"sentiment":"neutral","sentiment_score":-0.24622800520488194},{"text":"So that's how it lapsed.","start":2303.18,"end":2304.3,"sentiment":"neutral","sentiment_score":-0.20930601954460143}],"sentiment":"neutral","sentiment_score":-0.2366537256432431,"channel":1,"num_words":35,"start":2289.815,"end":2304.3},{"sentences":[{"text":"So it'd be easier if I pay it.","start":2304.3,"end":2306.7,"sentiment":"neutral","sentiment_score":-0.1281474968418479},{"text":"But now, at least I know, to bloody pay it instead of letting it 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want...","start":2320.435,"end":2321.015,"sentiment":"neutral","sentiment_score":-0.08081278949975967}],"sentiment":"neutral","sentiment_score":-0.08081278949975967,"channel":1,"num_words":2,"start":2320.435,"end":2321.015},{"sentences":[{"text":"so fine.","start":2320.865,"end":2321.765,"sentiment":"neutral","sentiment_score":0.018774857744574547}],"sentiment":"neutral","sentiment_score":0.018774857744574547,"channel":0,"num_words":2,"start":2320.865,"end":2321.765},{"sentences":[{"text":"Yeah.","start":2322.035,"end":2322.515,"sentiment":"neutral","sentiment_score":-0.117752805352211},{"text":"It doesn't it doesn't work for some reason.","start":2322.515,"end":2325.315,"sentiment":"neutral","sentiment_score":-0.29347956739366055},{"text":"So...","start":2325.315,"end":2325.555,"sentiment":"neutral","sentiment_score":-0.0788113996386528},{"text":"Yeah.","start":2325.555,"end":2326.055,"sentiment":"neutral","sentiment_score":0.012742649763822556},{"text":"Oh, mate.","start":2326.435,"end":2326.915,"sentiment":"neutral","sentiment_score":0.18009445071220398}],"sentiment":"neutral","sentiment_score":-0.16703609176553214,"channel":1,"num_words":13,"start":2322.035,"end":2326.915},{"sentences":[{"text":"It's fun.","start":2326.915,"end":2327.575,"sentiment":"positive","sentiment_score":0.369068443775177}],"sentiment":"positive","sentiment_score":0.369068443775177,"channel":1,"num_words":2,"start":2326.915,"end":2327.575},{"sentences":[{"text":"No.","start":2327.265,"end":2327.765,"sentiment":"neutral","sentiment_score":-0.14398488402366638}],"sentiment":"neutral","sentiment_score":-0.14398488402366638,"channel":0,"num_words":1,"start":2327.265,"end":2327.765},{"sentences":[{"text":"Can't believe I've done","start":2327.98,"end":2328.86,"sentiment":"neutral","sentiment_score":-0.26912829279899597}],"sentiment":"neutral","sentiment_score":-0.26912829279899597,"channel":1,"num_words":4,"start":2327.98,"end":2328.86},{"sentences":[{"text":"I","start":2328.785,"end":2328.865,"sentiment":"neutral","sentiment_score":-0.22119219601154327}],"sentiment":"neutral","sentiment_score":-0.22119219601154327,"channel":0,"num_words":1,"start":2328.785,"end":2328.865},{"sentences":[{"text":"it.","start":2328.86,"end":2329.36,"sentiment":"neutral","sentiment_score":-0.1701861321926117}],"sentiment":"neutral","sentiment_score":-0.1701861321926117,"channel":1,"num_words":1,"start":2328.86,"end":2329.36},{"sentences":[{"text":"know.","start":2328.865,"end":2329.365,"sentiment":"neutral","sentiment_score":-0.06642167270183563}],"sentiment":"neutral","sentiment_score":-0.06642167270183563,"channel":0,"num_words":1,"start":2328.865,"end":2329.365},{"sentences":[{"text":"I've winged","start":2329.6602,"end":2330.4001,"sentiment":"neutral","sentiment_score":-0.01586316619068384}],"sentiment":"neutral","sentiment_score":-0.01586316619068384,"channel":1,"num_words":2,"start":2329.6602,"end":2330.4001},{"sentences":[{"text":"Yeah.","start":2332.225,"end":2332.545,"sentiment":"neutral","sentiment_score":0.0847267210483551},{"text":"You did alright.","start":2332.545,"end":2333.605,"sentiment":"neutral","sentiment_score":0.16651493310928345}],"sentiment":"neutral","sentiment_score":0.14606788009405136,"channel":0,"num_words":4,"start":2332.225,"end":2333.605},{"sentences":[{"text":"it.","start":2334.06,"end":2334.56,"sentiment":"neutral","sentiment_score":0.11917556822299956}],"sentiment":"neutral","sentiment_score":0.11917556822299956,"channel":1,"num_words":1,"start":2334.06,"end":2334.56},{"sentences":[{"text":"The only other document for you to sign is essentially the the quote.","start":2337.28,"end":2342.9,"sentiment":"neutral","sentiment_score":0.05719842417882039},{"text":"So it just...","start":2343.2,"end":2343.76,"sentiment":"neutral","sentiment_score":0.038623147954543434},{"text":"It details out the quote.","start":2343.76,"end":2345.22,"sentiment":"neutral","sentiment_score":0.07035455480217934},{"text":"As I said, the premiums are set.","start":2345.76,"end":2347.575,"sentiment":"neutral","sentiment_score":0.08696804195642471},{"text":"So this is something I'd wanna review with you at a minimum every two years.","start":2347.655,"end":2351.195,"sentiment":"neutral","sentiment_score":0.12429613371690114}],"sentiment":"neutral","sentiment_score":0.08568465189878331,"channel":0,"num_words":43,"start":2337.28,"end":2351.195},{"sentences":[{"text":"It's just a touch base to say, hey.","start":2352.2148,"end":2353.895,"sentiment":"neutral","sentiment_score":0.08896272908896208},{"text":"How much does the mortgage drop by?","start":2353.895,"end":2355.415,"sentiment":"neutral","sentiment_score":-0.04087080912930625},{"text":"Let's drop the policy by a little bit, and we would just decrease it.","start":2355.415,"end":2359.115,"sentiment":"neutral","sentiment_score":-0.1395298670977354},{"text":"But the annualized, like, pre...","start":2359.255,"end":2362.45,"sentiment":"neutral","sentiment_score":-0.01977393962442875},{"text":"Like, the premium projections are written in that because as you get older, the premiums do increase.","start":2362.45,"end":2367.83,"sentiment":"neutral","sentiment_score":-0.042550774072023}],"sentiment":"neutral","sentiment_score":-0.0460793103511427,"channel":0,"num_words":51,"start":2352.2148,"end":2367.83},{"sentences":[{"text":"Yep.","start":2367.75,"end":2368.25,"sentiment":"neutral","sentiment_score":0.05340712517499924},{"text":"Okay.","start":2368.31,"end":2368.81,"sentiment":"neutral","sentiment_score":0.06870238482952118},{"text":"Right.","start":2369.03,"end":2369.43,"sentiment":"neutral","sentiment_score":0.06493411958217621},{"text":"Yep.","start":2369.43,"end":2369.67,"sentiment":"neutral","sentiment_score":0.05083337426185608},{"text":"Yep.","start":2369.67,"end":2370.17,"sentiment":"neutral","sentiment_score":0.055987827479839325}],"sentiment":"neutral","sentiment_score":0.058772966265678406,"channel":1,"num_words":5,"start":2367.75,"end":2370.17},{"sentences":[{"text":"Yep.","start":2372.835,"end":2372.915,"sentiment":"neutral","sentiment_score":0.0661519467830658},{"text":"Okay.","start":2372.915,"end":2373.415,"sentiment":"neutral","sentiment_score":0.1270546019077301},{"text":"No problem.","start":2373.635,"end":2374.375,"sentiment":"positive","sentiment_score":0.3450608253479004},{"text":"Thank you.","start":2374.5151,"end":2375.2551,"sentiment":"positive","sentiment_score":0.6771819591522217}],"sentiment":"positive","sentiment_score":0.37294868628184,"channel":1,"num_words":6,"start":2372.835,"end":2375.2551},{"sentences":[{"text":"That's okay.","start":2376.155,"end":2376.9749,"sentiment":"positive","sentiment_score":0.39742136001586914},{"text":"What I'll do is I will leave it with you, and I will task Maddie, who you spoke to to organize our initial meeting.","start":2377.275,"end":2385.4548,"sentiment":"neutral","sentiment_score":0.17289311531931162},{"text":"I'll task her to follow-up with you in a week.","start":2385.755,"end":2387.775,"sentiment":"neutral","sentiment_score":0.12566362768411637}],"sentiment":"neutral","sentiment_score":0.17224760457045502,"channel":0,"num_words":36,"start":2376.155,"end":2387.775},{"sentences":[{"text":"Mhmm.","start":2388.22,"end":2388.72,"sentiment":"neutral","sentiment_score":0.07824327051639557},{"text":"Yep.","start":2389.5,"end":2389.98,"sentiment":"neutral","sentiment_score":0.15828292071819303},{"text":"No worries.","start":2389.98,"end":2390.6199,"sentiment":"neutral","sentiment_score":0.3319110721349716},{"text":"Sounds good.","start":2390.6199,"end":2391.3599,"sentiment":"positive","sentiment_score":0.7241578102111816}],"sentiment":"positive","sentiment_score":0.39144399265448254,"channel":1,"num_words":6,"start":2388.22,"end":2391.3599},{"sentences":[{"text":"Perfect.","start":2392.8,"end":2393.28,"sentiment":"positive","sentiment_score":0.7361235618591309},{"text":"Alright.","start":2393.28,"end":2393.78,"sentiment":"positive","sentiment_score":0.49125587940216064},{"text":"Well, I will let you go, do everything you need to do, and we...","start":2393.92,"end":2397.5999,"sentiment":"positive","sentiment_score":0.41686839503901346},{"text":"I'll touch base with you in a week.","start":2397.5999,"end":2400.66,"sentiment":"positive","sentiment_score":0.3556855134665966}],"sentiment":"positive","sentiment_score":0.4128758783141772,"channel":0,"num_words":24,"start":2392.8,"end":2400.66},{"sentences":[{"text":"Yep.","start":2401.395,"end":2401.7952,"sentiment":"neutral","sentiment_score":0.3076319694519043},{"text":"Beautiful.","start":2401.7952,"end":2402.2751,"sentiment":"positive","sentiment_score":0.773675799369812},{"text":"Alright.","start":2402.2751,"end":2402.595,"sentiment":"positive","sentiment_score":0.6339725255966187},{"text":"Thanks, Clarissa.","start":2402.595,"end":2403.415,"sentiment":"positive","sentiment_score":0.7740200161933899},{"text":"Have a great day.","start":2403.475,"end":2404.455,"sentiment":"positive","sentiment_score":0.7922774106264114}],"sentiment":"positive","sentiment_score":0.714714441034529,"channel":1,"num_words":9,"start":2401.395,"end":2404.455},{"sentences":[{"text":"Too.","start":2405.3071,"end":2405.707,"sentiment":"positive","sentiment_score":0.5204451680183411},{"text":"Thanks, Hazel.","start":2405.707,"end":2406.687,"sentiment":"positive","sentiment_score":0.6591704189777374}],"sentiment":"positive","sentiment_score":0.6129286686579386,"channel":0,"num_words":3,"start":2405.3071,"end":2406.687},{"sentences":[{"text":"Bye.","start":2407.235,"end":2407.735,"sentiment":"positive","sentiment_score":0.46543440222740173}],"sentiment":"positive","sentiment_score":0.46543440222740173,"channel":1,"num_words":1,"start":2407.235,"end":2407.735},{"sentences":[{"text":"Bye.","start":2408.747,"end":2409.247,"sentiment":"neutral","sentiment_score":-0.11813671886920928}],"sentiment":"neutral","sentiment_score":-0.11813671886920928,"channel":0,"num_words":1,"start":2408.747,"end":2409.247}]},"summary":{"result":"success","short":"The speaker discusses their health issues and upcoming meal with someone trying to get a quote for roller shutters. They send a document pack and discuss their options for meeting. The agent explains insurance coverage and explains the waiting periods and benefits of insurance coverage. The customer discusses their income protection policy and monthly payment with the agent, and is advised to adjust their premiums as needed. The agent recommends a reduced amount of life insurance coverage and suggests looking at the income protection side of things and organizing a meeting with the insurer. The customer is advised to review the policy and organize a meeting with the insurer to complete the application process."},"intents":{"segments":[{"text":"I'm just finishing off my lunch because I I had someone come and do a quote for some roller shutters, and he he was here longer than I expected. What No.","start_word":41,"end_word":71,"intents":[{"intent":"Get quote for shutters","confidence_score":0.040511943}]},{"text":"It brought me some time to eat my lunch, so that's all good. No.","start_word":113,"end_word":126,"intents":[{"intent":"Eat lunch","confidence_score":0.36520568},{"intent":"Eating every day","confidence_score":0.0008521263}]},{"text":"Breakfast is basically a coffee at about 10:30. Oh, okay.","start_word":190,"end_word":199,"intents":[{"intent":"Desire coffee","confidence_score":0.001284678},{"intent":"Be ready for breakfast","confidence_score":0.0062149814}]},{"text":"Right? from 10:00, I Mhmm. am itching for coughing. Yeah. Everyone does it.","start_word":300,"end_word":312,"intents":[{"intent":"End conversation","confidence_score":0.027998812}]},{"text":"It's all a lot of money, everything, because I just sorted out my insurance for my super as well, which is, like, quite expensive too.","start_word":885,"end_word":909,"intents":[{"intent":"Update insurance coverage","confidence_score":0.0010164356}]},{"text":"I went through and had a look at everything. And based on our conversation and what we wanted to basically cover, Yep. I looked at what we could kind of go through and do. So, originally, we spoke about covering, like, the mortgage, so about $220,000 worth of the mortgage, just getting that covered off and done. And Yes.","start_word":1123,"end_word":1181,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.0926219}]},{"text":"So Does in the it first get thirty days back when tight you're or off, no?","start_word":1410,"end_word":1425,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.071179874}]},{"text":"So they pay mid month, which is really good because that's obviously getting you money through now rather than, like, essentially waiting sixty days before your first benefit. Mhmm.","start_word":1655,"end_word":1683,"intents":[{"intent":"Evaluate benefits benefits","confidence_score":0.004904815}]},{"text":"I ended up settling on in terms of an outcome was a thirty day wait, two year benefit for your income protection, and then 750,000 worth of TPD.","start_word":2260,"end_word":2287,"intents":[{"intent":"Consider benefits","confidence_score":0.0007247123}]},{"text":"And when you have a TPV policy that's stand alone, it becomes really expensive. Yeah.","start_word":2364,"end_word":2378,"intents":[{"intent":"Discuss cost","confidence_score":0.00095751},{"intent":"Consider tpd policy","confidence_score":0.00060309516},{"intent":"Discuss tpd policy timeline","confidence_score":0.013735962}]},{"text":"Because, realistically, the chances are if someone's TPD'd, there's a high possibility that they're actually about to pass away.","start_word":2411,"end_word":2429,"intents":[{"intent":"Explain tpd's role","confidence_score":0.014482827},{"intent":"Explain tpd's effect","confidence_score":0.0029074966},{"intent":"Clarify tpd's role","confidence_score":0.00842532}]},{"text":"It depends on doctors. Like, I've had TPD policies go through in... Like, applications for client go through in Yes. two months. Yep. I've also had... And it's pretty standard for a TPD policy to take six to twelve months Mhmm.","start_word":2547,"end_word":2587,"intents":[{"intent":"Discuss treatment regimen","confidence_score":0.0003781624}]},{"text":"And doctors always work on the optimistic side, not pessimistic, which can be really painful in my line of work. When I'm sitting there going, you know the answer, just give it to me. Yep.","start_word":2682,"end_word":2716,"intents":[{"intent":"Clarify communication","confidence_score":0.0018236168}]},{"text":"I have, like, on page 11 of the statement of advice, I have a full, like, breakdown of, like, the needs analysis from our discussion, what we were trying to replace, and where that sort of works at, Yep. and and sort of the calculation for how I got to your needs of, like, you know, the 1.39.","start_word":3051,"end_word":3108,"intents":[{"intent":"Analyze needs","confidence_score":0.14326231}]},{"text":"two year sort of IP, we're looking at 7 and a half. Like, the premiums were just getting true up there Yes.","start_word":3378,"end_word":3399,"intents":[{"intent":"Analyze insurance premiums","confidence_score":0.069377735}]},{"text":"Anyway, that's probably fraud or something, so we won't talk about that too much.","start_word":3710,"end_word":3723,"intents":[{"intent":"Discuss fraud","confidence_score":0.28028035}]},{"text":"So, obviously, there hasn't been anything coming out of my super. And then now I've gotta, yeah, tidy things up and get... Yeah.","start_word":3736,"end_word":3758,"intents":[{"intent":"Clean up","confidence_score":0.07246765}]},{"text":"Sign today.","start_word":3816,"end_word":3817,"intents":[{"intent":"Sign today","confidence_score":0.0319854}]},{"text":"I want you to take, you know, a little bit of time to read over the document. While it's not the biggest document I've ever sent in my life, it still does contain this information. Yep.","start_word":3820,"end_word":3855,"intents":[{"intent":"Read document","confidence_score":0.31583366}]},{"text":"But if you do wanna go with one of the alternatives that I do have lined out for you, for example, in the actual statement of advice on page 12, I have a alternative to basically provide a reduced amount of life and TPD and dropping it down to sort of 230,000.","start_word":3901,"end_word":3952,"intents":[{"intent":"Enquire about cost reduction","confidence_score":8.560591e-8}]},{"text":"It was my first consideration that I made because we had talked about, like, just going from there, and that was paying the mortgage of 02/20 and then having a $630.16 coverage in the shortfall that your income protection policy would pay you.","start_word":3954,"end_word":3996,"intents":[{"intent":"Provide coverage","confidence_score":0.007384054}]},{"text":"That would be, like, the $230 in TPD, $230 in IP... Life insurance. Sorry.","start_word":4039,"end_word":4052,"intents":[{"intent":"Clarify policy cost","confidence_score":0.0008164007}]},{"text":"You know, I gotta keep your book subscriptions up as well. Audible.","start_word":4763,"end_word":4774,"intents":[{"intent":"Maintain book subscriptions","confidence_score":0.036113318}]},{"text":"With income protection, you can never be Yeah.","start_word":5094,"end_word":5101,"intents":[{"intent":"Address insurance concerns","confidence_score":0.0015540039}]},{"text":"There's a box in the in the statement of advice down on the sign page that is there for you to type in any alteration. So you can actually request for an alteration to the above.","start_word":5405,"end_word":5440,"intents":[{"intent":"Request alteration","confidence_score":0.77701247}]},{"text":"And you would put that in, and I would then organize a time to go through the application with you.","start_word":5464,"end_word":5483,"intents":[{"intent":"Organise time to go through application","confidence_score":0.0008313504}]},{"text":"No worries. That sounds good. Now I appreciate your advice because I have no bloody idea, but what you're saying makes a bit of sense. So that's that's good. Yep.","start_word":5579,"end_word":5608,"intents":[{"intent":"Request assistance","confidence_score":0.014921322}]},{"text":"I had a look over your last application from years gone by, and no red flags.","start_word":5712,"end_word":5727,"intents":[{"intent":"Review application","confidence_score":0.3349833}]},{"text":"I've set up for the payment methodology to basically be direct debit from the SMSF cash account. It's the easiest method for SMSF payments. There is one other method, which is basically they invoice you when you pay the invoice. Yeah.","start_word":5829,"end_word":5869,"intents":[{"intent":"Set up payment method","confidence_score":0.10848349}]},{"text":"The only other document for you to sign is essentially the the quote. So it just... It details out the quote. As I said, the premiums are set. So this is something I'd wanna review with you at a minimum every two years.","start_word":5975,"end_word":6017,"intents":[{"intent":"Review quote","confidence_score":0.12552787}]},{"text":"Let's drop the policy by a little bit, and we would just decrease it.","start_word":6033,"end_word":6046,"intents":[{"intent":"Decrease policy","confidence_score":0.10033178}]}]},"sentiments":{"segments":[{"text":"Hello. It's Rachel.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0010730659123510122},{"text":"Oh, shit.","start_word":3,"end_word":4,"sentiment":"negative","sentiment_score":-0.4655570387840271},{"text":"Are you there? Yeah. Hi,. Oh, How are sorry. you going? I just swore. Hang on a minute. I'll just find the speaker. Where are we? Okay. That's better. How are Sorry. you doing, though? Sorry. I'm just finishing off my lunch because I I had someone come and do a quote for some roller shutters, and he he was here longer than I expected. What No. was this? You're so fine. Finished I got my lunch. I got stuck on the phone with Superfunds. So You got what? I got stuck on the phone to one of the super funds, so I get it. No.","start_word":5,"end_word":110,"sentiment":"neutral","sentiment_score":0.0008573508821427822},{"text":"You're good. It brought me some time to eat my lunch, so that's all good.","start_word":111,"end_word":125,"sentiment":"positive","sentiment_score":0.45731428265571594},{"text":"No. You're okay. You're step ahead of me.","start_word":126,"end_word":133,"sentiment":"neutral","sentiment_score":-0.16145266592502594},{"text":"I'm kinda glaring at my husband at the moment asking if he'll kind of make food for me.","start_word":134,"end_word":151,"sentiment":"negative","sentiment_score":-0.4033698141574859},{"text":"Well, my lunch is my breakfast because I don't eat breakfast. So... Yeah. And it's my first meal of my day, so I'm pretty keen for Yeah. it. No. I'm I'm right there with you. I don't either. Breakfast is basically a coffee at about 10:30. Oh, okay. No. I won't have a coffee till after eight. So I'm I'm getting ready for one.","start_word":152,"end_word":215,"sentiment":"neutral","sentiment_score":-0.012183111160993576},{"text":"I'm pretty happy about that.","start_word":216,"end_word":220,"sentiment":"positive","sentiment_score":0.48837462067604065},{"text":"I only have one a day, and it's after I eat. So I did quit altogether, but... And then I started, like, once a week. And I'm like, you know what? I'm just gonna have one every day as long as I eat first.","start_word":221,"end_word":264,"sentiment":"neutral","sentiment_score":0.09341511875391006},{"text":"It's all good.","start_word":265,"end_word":267,"sentiment":"positive","sentiment_score":0.3799440562725067},{"text":"Not on an empty stomach. Yeah. No. I agree.","start_word":268,"end_word":276,"sentiment":"neutral","sentiment_score":-0.1549355536699295},{"text":"It's it's it's probably not the best diet I've I've I've come up with in the last.","start_word":277,"end_word":293,"sentiment":"negative","sentiment_score":-0.3777646720409394},{"text":"Yeah. But But everyone does it. Right? from 10:00, I Mhmm. am itching for coughing. Yeah. Everyone does it. Half the people is still alive, so it's alright.","start_word":294,"end_word":321,"sentiment":"neutral","sentiment_score":0.012750207047377312},{"text":"Absolutely.","start_word":322,"end_word":322,"sentiment":"positive","sentiment_score":0.3634768724441528},{"text":"Yeah. Yep. What sort of day is it up there in the... You're in Brisbane or Gold Coast? Well, I'm working from home today, so I'm actually neither. I'm halfway between. Halfway in the middle. Nice. Yeah. Yeah. But it's actually... Gorgeous sky is nice and hot, but the wind is biting, and it is Okay. long Yucky yucky wind. No. Always something. ago. Absolutely. Yep. Always. We're just coming How about to you?","start_word":323,"end_word":396,"sentiment":"neutral","sentiment_score":0.028621871024370193},{"text":"Springs down here, so it's quite a nice day. We're pretty happy.","start_word":397,"end_word":408,"sentiment":"positive","sentiment_score":0.4929583966732025},{"text":"No more cold. No more winter. Right. It's... Yeah. Like, the the weather has definitely turned for the warmer. Thank god. Have you have you ever been to Adelaide before? Yes. I have. I have been to Adelaide. I spent quite a bit of time in Adelaide and then inland towards Barry. Okay. So it would've been cold there. Sure. Yeah. Just just a little bit back and onto the Margaret River. And... Yeah. And then our our summers were very dry, but I I... And I love that. I don't like the humidity, but, you know, it depends what you're used to, I guess. Yeah. I'm... Honestly, I'm more of a summer girl myself, Yep. but I can see the appeal to the heat, I guess. Like... I'm sorry. I can... I can see the appeal to, like, the dry weather versus, like, your your really humid humid weather. Yeah. Yeah. Especially But, for hair. yeah, we were we were down... We spent a good six months, and it was all during winter. And my toes have never been so soft bitten, and I wasn't the biggest fan of it. But it was quite... It was lovely. We were... Well, it was a lifetime ago now. Well, at least two of my children's lifetimes ago. So your children what? Sorry. Oh, it was a lifetime ago, specifically two of my children. Yeah. Yeah. Yeah. All my family live in Queensland. So my mom and my sister live on the Sunshine Coast, and I've got a brother in Hervey Bay and a brother in Gladstone.","start_word":409,"end_word":673,"sentiment":"neutral","sentiment_score":-0.003170423051518089},{"text":"Oh, lovely. So there you go. They're all up there. My sister Oh, just bought sixty eight sixty eight acres in off... beautiful.","start_word":674,"end_word":696,"sentiment":"positive","sentiment_score":0.3913033604621887},{"text":"In Randolph and Sunshine Coast. So... Oh my god.","start_word":697,"end_word":705,"sentiment":"neutral","sentiment_score":0.18977835774421692},{"text":"How good.","start_word":706,"end_word":707,"sentiment":"positive","sentiment_score":0.5091981291770935},{"text":"They're Oh, actually absolutely. coming down for Christmas. I said, you sure you don't want me to come up there. You know? Yeah. That's that's right. I was there, like, last year. Anyway, that's okay. Yeah. Anyway, that's enough of that. What are we what are we on to today? So Yes. I have sent you Okay. I sent you the the... A document pack, I guess, which connects to the that we can go through today. I went through the private research, and I put everything together. Yep. I have got options as well for you in the event that you wanted Yep. to go in a different direction that we can kind of discuss and go through. So, yeah, that should be in your emails. Mhmm. Oh, you've just sent it recently? Yeah. Yes. Alright. Yeah. Like, Just literally, one... while I was doing the phone, I'd press I'm send. just connecting my phone to my iPad. Just keep waiting for the download. Alright. I'm just waiting for that to work.","start_word":708,"end_word":880,"sentiment":"neutral","sentiment_score":0.057369329035282135},{"text":"Would be good.","start_word":881,"end_word":883,"sentiment":"positive","sentiment_score":0.3708769381046295},{"text":"Yes. It's all a lot of money, everything, because I just sorted out my insurance for my super as well, which is, like, quite expensive too. So... Because somehow, I'm allowed to have my precious metals with me at all times. I don't know how Yeah. I've done it, but I've done it. And I've managed to only just now find a... Someone that will insure insure it as well. So, yeah, it doesn't come with a cheap price because, obviously, I mean, how many people have gold and silver as their super in their home? Not too many. Yeah. No. Generally, majority, we keep them in, like, the In a vault. regular London bolt. Exactly. So, obviously, a vault would be a hell of a lot cheaper, but I'm like, nope.","start_word":884,"end_word":1015,"sentiment":"neutral","sentiment_score":-0.04818441078179714},{"text":"I don't trust any of those banks.","start_word":1016,"end_word":1022,"sentiment":"negative","sentiment_score":-0.5712189078330994},{"text":"I'm not having mine anywhere but with me, and somehow, here it is. Yeah. I don't know. I picked it up and bought it home, and I get audited every year, and no one said anything as yet.","start_word":1023,"end_word":1060,"sentiment":"neutral","sentiment_score":-0.22425340116024017},{"text":"And then I thought, well, shit. I better insure it.","start_word":1061,"end_word":1070,"sentiment":"negative","sentiment_score":-0.484907329082489},{"text":"Yeah. But it... That took, like, quite a while because everyone's like, What?","start_word":1071,"end_word":1083,"sentiment":"neutral","sentiment_score":-0.25706642866134644},{"text":"No. We didn't show that. Who does that?","start_word":1084,"end_word":1091,"sentiment":"negative","sentiment_score":-0.4101368188858032},{"text":"I'm like, surely someone does. So I found someone. Alright. So I've got your email here. Sent at 12:12. Yes? Okay. What are we doing with that?","start_word":1092,"end_word":1118,"sentiment":"neutral","sentiment_score":-0.02916104346513748},{"text":"Perfect.","start_word":1119,"end_word":1119,"sentiment":"positive","sentiment_score":0.4981917142868042},{"text":"So Oh. insurance. I went through and had a look at everything. And based on our conversation and what we wanted to basically cover, Yep. I looked at what we could kind of go through and do. So, originally, we spoke about covering, like, the mortgage, so about $220,000 worth of the mortgage, just getting that covered off and done. And Yes. then we spoke about putting a little bit extra in your income protection, like, getting income protection put in place and making sure that we were sort of covered there. I looked at... Because with income protection, as we discussed, it has different waiting periods, different benefit periods. So I looked at what... You know, if we went to, like, the whole hog had, like, the longest longest benefit period, shortest waiting period, what that would do, and what that cost would be. Yes. To do a policy that had a sixty day waiting period... Sorry. A thirty day waiting period and a a sixty five benefit period.","start_word":1120,"end_word":1289,"sentiment":"neutral","sentiment_score":-0.008766106329858303},{"text":"It ended up being quite... It's, like, really, really quite expensive. Yeah. Yeah. And it wasn't worth it for us.","start_word":1290,"end_word":1309,"sentiment":"negative","sentiment_score":-0.6411404609680176},{"text":"I'm just... I When realized you I have didn't... a waiting period, you're talking about, like, if something happens and then you will have to wait thirty days. Yes. Yeah. How long you have to be off work before the policy kicks in? So, basically, income protection won't cover you if you get, like, a common cold when you're off work for a week. Yep. Yep. But if you end up with something more serious, then, yes, it will cover you. But you have to wait out a thirty day waiting period before the policy will start accumulating a benefit. So Does in the it first get thirty days back when tight you're or off, no? Back tight you or don't no? you don't get back paid for the waiting period. No. Yep. Okay. Yep. Yep. That's fine. But I did pick an insurer. So I I went with Zurich in terms of the insurer. So Zurich differs from a lot of other insurers because what they... What what the standard is is basically waiting period happens, you start accumulating the benefit, and at the end of the month, as in at the end of your accumulation month... So if you if you stop work on the fifteenth, you wait your thirty days, which will end up being, say... Let's just say it's the seventeenth, and you Mhmm. start accumulating a benefit from the seventeenth of a month, Mhmm. what most providers will do is they won't pay you until the seventeenth of next month. Because as as of the sixteenth, that'll close out your month. They pay you on the seventeenth, and you'll get the money in two to three business days based on bank processing. What Okay. Zurich do is Zurich actually pay day 15. So, essentially, what that means is they pay in the middle of the month based on where everything fits. Mhmm. So so, like, that kind of situation, seventeenth through, you'd end up kinda getting a payment, say, day 30 ish, Yep. like, the thirtieth of the month.","start_word":1310,"end_word":1653,"sentiment":"neutral","sentiment_score":-0.047940824180841446},{"text":"So they pay mid month, which is really good because that's obviously getting you money through now rather than, like, essentially waiting sixty days before your first benefit.","start_word":1654,"end_word":1681,"sentiment":"positive","sentiment_score":0.574889600276947},{"text":"Mhmm. Yep. Yep. Yes. But, obviously, yeah, if it's a lot more... The likelihood of something happening just yet, yeah, just weighing up everything. Because, obviously, we can change things down the track too. Right? In a few years time Yeah. or Yeah. whatever. We can we can extend out the waiting period at any time. That's that's actually really easy to extend out the waiting period. Extending out the benefit of reducing the waiting period is not as easy. Mhmm. Yep. Yep. That is not impossible. Yep. I did just... I didn't send you the appendix. So what I'm gonna do is I'm gonna email it to you separately because it's just sort of addendum to the advice. It's got, like, a little bit other research that I put together in it, and I want you to have it as a document. I just stupidly didn't attach it to the whole file when I sent it. Mhmm. It's in the morning. It's in the morning. Mhmm. So, essentially speaking, with respect to everything, I I looked at... Because we... When we spoke, we were talking about making sure that you had the the mortgage paid off and then replacing your income if you were never able to work again. Now Mhmm. I pay... What I did was I built it all on the IP policy. So I looked at... If we could get IP to cover you all the way through until you were 65, happy days, because you have an income coming in every single month until, basically, retirement... Until retirement age. But the premium on that were, like, $11 a year.","start_word":1682,"end_word":1955,"sentiment":"neutral","sentiment_score":0.004658697172999382},{"text":"So way too expensive Yep.","start_word":1956,"end_word":1960,"sentiment":"negative","sentiment_score":-0.3850973844528198},{"text":"to Yeah. be able to upkeep from from an overall perspective. Like, it's your contributions... Spending my whole Your... fever. Yeah. It's it's your contribution from your employer, basically. Every year, contribution's gonna come in, and you're gonna have to pay them out to the the insurer. It just... Yep. It didn't it didn't mathematically work. Yep. So then what I looked at was I looked at, well, could we have offsets to that? Could I reduce that? You know, if you were totally disabled, Centrelink would, you know, be able to step in and provide a little bit of Mhmm. a benefit. How does that work to reduce things down? I looked at... So, basically, if you would replace your full Okay. income on everything, we were looking at nearly 1,400,000 for TPD. And 1,400,000 for TPD just ended up again being too expensive, and agent occupation comes into it.","start_word":1961,"end_word":2111,"sentiment":"neutral","sentiment_score":-0.08317675578426446},{"text":"And it just... It didn't it didn't work out well in terms of what your super funds have to pay.","start_word":2112,"end_word":2131,"sentiment":"negative","sentiment_score":-0.3545016646385193},{"text":"And I I I... Ultimately, your super fund is still there to be able to grow. While you may have precious metals in it, it still needs to grow.","start_word":2132,"end_word":2160,"sentiment":"neutral","sentiment_score":-0.09259089082479476},{"text":"I don't want you having to dip into the precious metals to pay for insurance premium.","start_word":2161,"end_word":2176,"sentiment":"negative","sentiment_score":-0.4025095105171203},{"text":"That makes Yep.","start_word":2177,"end_word":2179,"sentiment":"neutral","sentiment_score":-0.2416565716266632},{"text":"no sense because then you are No.","start_word":2180,"end_word":2186,"sentiment":"negative","sentiment_score":-0.3968021869659424},{"text":"having to sell... Actually, Yeah. actually Exactly. sell. Mhmm. Yeah. So I wanted to keep it to a point where you would actually have money to be able to do everything you wanna do in terms of buying more precious metals and or diversifying property due to in the future. Mhmm. But we have, like, a decent amount of money that if something happened to you, we're gonna be okay. So what Yep. I ended up settling on in terms of an outcome was a thirty day wait, two year benefit for your income protection, and then 750,000 worth of TPD. Now I looked at... Because we talked about life cover, we only wanted to cover the house. I looked at what it would look like if we had, say, $2.20 worth of life cover and then $7.50 worth of TPD, which would ultimately mean that you had two different TPD policies. Okay. You have, like... We could have one that was linked to the life cover and then a second one that was a stand alone. And when you have a TPV policy that's stand alone, it becomes really expensive. Yeah. It's Yep. Yep. like... I I can get down into the nitty gritty of it, but high... Higher, overarchingly, it's basically just the way they structure it.","start_word":2187,"end_word":2405,"sentiment":"neutral","sentiment_score":0.029976622596995472},{"text":"It just becomes more expensive. Because, realistically, the chances are if someone's TPD'd, there's a high possibility that they're actually about to pass away. Statistically, they're probably terminal.","start_word":2406,"end_word":2433,"sentiment":"negative","sentiment_score":-0.4823242723941803},{"text":"So therefore, insurers kind of have it that if you link the life and TPD policy, we'll make it cheaper for you because realistically, while there's two benefits and two possibilities to claim, you're probably only actually gonna claim one of the benefits.","start_word":2434,"end_word":2476,"sentiment":"neutral","sentiment_score":-0.057686734944581985},{"text":"Okay. This is gonna be dead. Yeah.","start_word":2477,"end_word":2483,"sentiment":"negative","sentiment_score":-0.5889108777046204},{"text":"Essentially. Yep. Yep. Which which... With TPD, if you were terminal and you tried to apply for a standalone TPD policy, you have to survive to actually get that get that paid out, which can take twelve months to get a PPD policy paid out in some instances, obviously, depending on what the condition is and what happens. It just depends on diagnosis. It depends on doctors. Like, I've had TPD policies go through in... Like, applications for client go through in Yes. two months. Yep. I've also had... And it's pretty standard for a TPD policy to take six to twelve months Mhmm. Mhmm. because doctors are investigating.","start_word":2484,"end_word":2592,"sentiment":"neutral","sentiment_score":-0.14789606630802157},{"text":"The condition is still evolving.","start_word":2593,"end_word":2597,"sentiment":"negative","sentiment_score":-0.36305126547813416},{"text":"The, you know, the doctors are still actively doing treatment on on, you know, on the person trying to get them to recover even though Yes.","start_word":2598,"end_word":2623,"sentiment":"neutral","sentiment_score":-0.27240610122680664},{"text":"the person may never actually fully recover until the doctor makes a determination that, no. They are TPD. They're never gonna recover to the point where they're never gonna recover to the point where, you know, they're gonna be able to work again while they're going through all those investigations.","start_word":2624,"end_word":2673,"sentiment":"negative","sentiment_score":-0.35370269417762756},{"text":"The insurer is being led by doctors.","start_word":2674,"end_word":2680,"sentiment":"neutral","sentiment_score":-0.19049017131328583},{"text":"And doctors always work on the optimistic side, not pessimistic, which can be really painful in my line of work.","start_word":2681,"end_word":2700,"sentiment":"negative","sentiment_score":-0.34706929326057434},{"text":"When I'm sitting there going, you know the answer, just give it to me. Yep. But all in all, ended up going with $7.50 was a license, 750 was a TPD. I added a buyback in for the TBD. So that means that... Let's just say, for argument's sake, in your line of work, you were to, and I am touching all of the words I can, you were to contract an illness that prevented you from being able to work, like, you need your core strength, your back, the ability to lift, move, and you were not able to do that anymore, Yep. TPD would be able to pay out. Within twelve months of your TPD being accepted and paying out, your life cover actually gets bought back, and that life cover policy stays in place. So you get to double dip on that policy because I have a specific inclusion of your TPD. However, in the event, let's just say, that I had a client that's stroked and, you know, stroke causes TPD, we claim TPD, they passed away within six months of that TPD policy, Yeah. the life policy would not pay out because during that twelve month period, the life policy is basically suspended. And it does happen. It is a risk in structuring policy this way, But, ultimately speaking, the TPD policy is set to pay out your mortgage anyway, and the life policy would ultimately be a bit of a double dip. The only reason the life policy is sitting at $7.50 is because it structurally makes things cheaper for you. Okay. Yep. Yep. By structuring things this way and going to the $7.50, the life CPD with the flyback and the IP, we're sitting at $27.49 and 34<unk>. It is, however, a stepped policy, which means that it will increase over the years. So it does Okay. still need to be looked at 2... as we get older You're saying and tailored. $2,700. Yes. 2,000 Yep. 750, essentially. Yep. A year. Yeah. Yeah. Yes. So that's, I guess, overarchingly, the, like, main reasons. I have, like, on page 11 of the statement of advice, I have a full, like, breakdown of, like, the needs analysis from our discussion, what we were trying to replace, and where that sort of works at, Yep. and and sort of the calculation for how I got to your needs of, like, you know, the 1.39. And then I haven't pressed send because I am autistically distracted today.","start_word":2701,"end_word":3120,"sentiment":"neutral","sentiment_score":-0.030243387472416672},{"text":"I cannot multitask today.","start_word":3121,"end_word":3124,"sentiment":"negative","sentiment_score":-0.4832797646522522},{"text":"It is it is being a day of, like, pure focus I one just task thought at a I time.","start_word":3125,"end_word":3144,"sentiment":"neutral","sentiment_score":-0.2423433214426041},{"text":"started doing some some things, and I'm like, oh my god. I'm not listening now, so I better sit back down.","start_word":3145,"end_word":3165,"sentiment":"negative","sentiment_score":-0.38524186611175537},{"text":"Yeah. I know.","start_word":3166,"end_word":3168,"sentiment":"neutral","sentiment_score":-0.16936390101909635},{"text":"I'm I'm... I just can't focus on more than one thing at this time today. It's been really bad. Probably something to do with, like, sleep.","start_word":3169,"end_word":3194,"sentiment":"negative","sentiment_score":-0.46759188175201416},{"text":"But, anyway, Yep. Yep. I'm just gonna send send it to you. Yep. I'm just trying to look up now what I used to pay my insurance if I have it here on record somewhere. I think it's about the same anyway, but I've just sent that to you. We can look right back as well. But, essentially, the the appendix just kind of has, like, the alternative quotes that I looked at. So you can see where I was looking with different, like, value sum amount and what those premiums look like. So, like, if I was gonna go with the $8.65 with literally $22,220,000 in life and CBD, we were looking at $10,230 a year. Jesus. Yeah. If we were looking at a five year benefit period on the IP with nearly 1,000,000 in in life insurance, we're looking at $77,000. If we want, like, 1.5 mil, two years waiting period, we're looking at 5,800. Yeah. You know, if we're looking at 2,200 for life, 2,200 for TPD plus an additional $930 in TPD with a 30 and a Mhmm. two year sort of IP, we're looking at 7 and a half. Like, the premiums were just getting true up there Yes. Yep. to make it make sense. Yep. I just... I... It just... It it didn't work. Yeah.","start_word":3195,"end_word":3415,"sentiment":"neutral","sentiment_score":0.025437846807215145},{"text":"Perfect.","start_word":3416,"end_word":3416,"sentiment":"positive","sentiment_score":0.3804232180118561},{"text":"Yep. You're right. So... Yeah. So reason for recommendation is cost plus benefit gives you overall benefit of everything. In the in the, like, in the little... Like, they're literally just, like, screenshots of, like, the research data that I pull. Like, I've I've formatted it nicely for you, but the, like, the premiums are rough. They're not quoted directly through the providers, but they're pretty accurate within a few dollars. Like, I gave alternatives for, like, some of the other providers that I looked at. I didn't give you, like, the plethora of 15 providers. I gave you, like, the top few for each scenario. Didn't wanna overload you with, who's every single provider? Yeah. Yeah. Make those... But, yeah, it's... It it is there. Now look look, the benefits with your SMSF is that when you do your tax return every year, the receipt for your insurance cover becomes a tax deduction. So you... You're able to literally claim the premiums back through the... The super funds get to claim the premiums back to a degree. It's not like you get dollar for dollar. Oh. Okay. Yeah. It's Yep. 15<unk> on every dollar because that's the superannuation tax rate. Yep. So that's just a part of when I get audited every year and to put my tax Yep. return, and it just Correct. happens with Yep. The that. the insurance policy just becomes part of that. Same thing would happen with your with your other insurance policy. Yeah. I haven't even been picked up on that. You know, when I do my tax return every year, I haven't I haven't even been put... Like, they haven't even said anything about there not being any payments for insurance. Yeah. So... Amazing.","start_word":3417,"end_word":3709,"sentiment":"neutral","sentiment_score":0.02073589526116848},{"text":"Anyway, that's probably fraud or something, so we won't talk about that too much.","start_word":3709,"end_word":3722,"sentiment":"negative","sentiment_score":-0.4657405614852905},{"text":"I don't know. No. I think it's okay. Yeah. Yeah.","start_word":3723,"end_word":3732,"sentiment":"neutral","sentiment_score":-0.07490840554237366},{"text":"All good.","start_word":3733,"end_word":3734,"sentiment":"positive","sentiment_score":0.46714121103286743},{"text":"Yeah. So, obviously, there hasn't been anything coming out of my super. And then now I've gotta, yeah, tidy things up and get... Yeah. Make everything safe and myself and my super... My my middle. So... Yeah. No.","start_word":3735,"end_word":3772,"sentiment":"neutral","sentiment_score":-0.00868829246610403},{"text":"That's great. Thank you.","start_word":3773,"end_word":3776,"sentiment":"positive","sentiment_score":0.4999008774757385},{"text":"No. That's okay. So, ultimately speaking, if you do wanna go ahead with it, like, I've... You have all the information there at the moment. Yep. I'm not someone that's gonna push you to be like, no. Sign now. Sign today. Let's go. I want you to take, you know, a little bit of time to read over the document. While it's not the biggest document I've ever sent in my life, it still does contain this information. Yep. Yeah. Yeah. And I have a lot going on at the moment. Yes. Yep. So I just... I want you to take the time to read it. Yes. Ultimately speaking, it's... I mean, it... It's probably the clearest I could probably outline it for you. But if you do wanna go with one of the alternatives that I do have lined out for you, for example, in the actual statement of advice on page 12, I have a alternative to basically provide a reduced amount of life and TPD and dropping it down to sort of 230,000. Okay. It was my first consideration that I made because we had talked about, like, just going from there, and that was paying the mortgage of 02/20 and then having a $630.16 coverage in the shortfall that your income protection policy would pay you. So it's just... It's it's only a... It's a reduced amount, but it it is a possibility it could go that way with a shorter waiting period What's type the...... of thing. On that one or does it have one? That... No. That would be, like, the $230 in TPD, $230 in IP... Life insurance. Sorry. Okay. We could drop it down to that, which does drastically reduce your premiums, Yep.","start_word":3777,"end_word":4067,"sentiment":"neutral","sentiment_score":0.013288649643972975},{"text":"but I just felt like it was too much of a shortfall in actually replacing your income.","start_word":4068,"end_word":4084,"sentiment":"negative","sentiment_score":-0.6132332682609558},{"text":"If you did have a lifelong condition, like, you are 50, you have fifteen years... You have ten years minimum before you can access your super. And then realistically, it's sort of 65 that is most common for retirement. Mhmm. That's gonna give you the ability to to be able to build and grow your super over those fifteen years.","start_word":4085,"end_word":4144,"sentiment":"neutral","sentiment_score":-0.053431592881679535},{"text":"If we don't cover your income, we're gonna have a, like, a massive shortfall.","start_word":4145,"end_word":4158,"sentiment":"negative","sentiment_score":-0.5038536190986633},{"text":"The difference between your income on $92 versus Centrelink income... Because $92, which is what your payslip stated, means that you're getting paid about 77 and change net, which if you migrate from 77 down to Centrelink's pay of 30 ish grand, it's it is quite a bit of a quite a bit of a difference.","start_word":4159,"end_word":4214,"sentiment":"neutral","sentiment_score":-0.24394655227661133},{"text":"And even if mortgage is paid off, like, there's still there's still that shortfall.","start_word":4215,"end_word":4228,"sentiment":"negative","sentiment_score":-0.3948339521884918},{"text":"Yeah. That was just one of my payslip. You got both of them, didn't you? I One for 90 and one for 20 8. Yeah. don't I I don't believe that you're the have second attached for 20 I have two jobs. So I should've... I thought you... Two. No. You're okay. I thought you did, but I... There's only the one payslip, unless I'm actually blind, which is a possibility some days too. Let me just have a look again. I'm just there. There's one for keep belly and then one for porting abilities. I've made. Oh my god. They are too... They're just back to back. Alright. No. No. You are so fine, and I completely overlooked it. Absolutely overlooked it. To what we're talking about? Or It won't make a mammoth difference, but to the income protection, it will. Because I've currently quoted on $92, which is what your income is with KIPC, not including supporting abilities. So supporting abilities takes your income from 92 up to what is essentially a 100 and I don't work for them anymore, but that was last You month. don't work for you don't work for supportabilities? No. But I do have another job. I have two jobs. I have three, actually. But I I knew haven't you had the I knew you had the multiple jobs, but, yeah, when I only saw the one payslip, I was like, maybe I'm just insane. Okay. So we don't work we don't work with supporting abilities. We we... Do we know what our income is, though? It'll probably be less than last year. Last Yeah. year would have been about a 120. Yeah. I'm thinking we'll be back maybe, yeah, maybe, like, 90, a 100 this year. K. I So don't I've know. done it Started, I've done like... it on... I've done your income protection on '92, Mhmm. which means that okay. Let me go back. Which means that the monthly benefit is $53.66, which... Because income protection is a taxable benefit. No. So it does matter. It matters a a bit. Yeah. Well, the financial year has just started. So, I you know, I... know. I'm gonna... I Thank do... I work when I wanna work. you. Yeah. No. And that... That's that's okay. So, essentially speaking, the benefit you'd be paid would be $43,443.04 per month after income tax is paid. Sorry? I paid more. What... Sorry? What did you say? No. You're okay. So... And what I've quoted, because income protection is an income protection is an income. So it it provides you an income. So it is taxed at a marginal rate. Okay. Yep. So essentially speaking, you would get $4,434 per month or about 2,004... $2,050 a a fortnight. Okay. Yep. Yep. Is that enough, or do we need to pivot and adjust? Because I can't pivot and adjust. No. That's that's enough. Right. Yep. Yep.","start_word":4229,"end_word":4717,"sentiment":"neutral","sentiment_score":-0.06698931529660898},{"text":"Because I mean, That really, would be you're not working because you can't work.","start_word":4718,"end_word":4731,"sentiment":"negative","sentiment_score":-0.3682056367397308},{"text":"You're not really... Well, probably won't spend too much money. Generally speaking, yes. But also, Yeah. you know, Help... doctor doctor sees anything like that that's that's... Yeah. Yeah. Yeah. Yep. You know, I gotta keep your book subscriptions up as well. Audible. Yeah. Mhmm. What are you gonna do? Diamond dot Crocheting this... Oh, You know? absolutely. I I have a puzzle on the go. It's like a 100,000 piece puzzle on the go for, like, the last five Oh, wow. And it's taking up all that space and just sitting there. years. No. It's Oh, on a rollout mat. cool. So Yeah. you just... It's got like Hold it in. a a... Yeah. It's like a piece of... Black massive piece of felt with a, like, a a a tube, like a... Basically, like a PVC pipe. You just roll the PVC pipe and the and the mat all up, and it just currently slips underneath my bed. And then every now and again, when I, you know, clean out under the bed from whatever the kids are thrown under there and all, you know, vacuum under the bed and everything. I find it, and I'm like, oh, I'll pull it out. Do some more few more pieces. It stays there for a week or so. And then we crack out of my husband's, and then I'll talk about all the end. Yeah. Yeah. Well, I've just got a diamond dart because I've been doing it with some clients. And I'm like, oh, this is really relaxing, and I need that in my life, like, relaxing where I just switch off. Yeah. So now it's, yeah, taking over the whole table. I got beads everywhere, and it's messy. I'm like, oh. But I am I am just chilling and switching my mind off when I do it. So that's the main thing.","start_word":4732,"end_word":5045,"sentiment":"neutral","sentiment_score":0.010509563500215865},{"text":"Absolutely. Perfect. Yes.","start_word":5046,"end_word":5048,"sentiment":"positive","sentiment_score":0.5949949026107788},{"text":"What... Cool. Well, if you're comfortable with the 2,050 of Fortnight, then then it doesn't... It won't change anything. Realistically, we can ensure we can assure you for as much or as little as you want just as, like, you have to justify it, obviously. With income protection, you can never be Yeah. better off under claim than you were at work. So, essentially speaking, if you had... Say, last year, you earned $70, and this year, you're like, yeah. I'm gonna earn a 120, and we insure you for a 120, Yep. and then you ended up only earning 70 Yes. or 90, they would only pay you up to the 90 that you earned. Okay. Yep. Yep. No worries. Cool. Well, if if you're comfortable with, yeah, the income protection side of things, essentially speaking, it's just yours to review and look through. Okay. And if you wanna... Like, if you have any alternatives that you want me to look at or you want to adjust, we can do so. Yes. I would still recommend Zurich as the provider irrespective of what amounts we ended up going with, and that's purely simply they have the best policy structure, pricing for your... For your occupation. They allow... Like, it's allowed to be paid for by your SMSF funds, so that's nice and easy. It, yeah, it it... Zurich works out the best for you and your position. Okay. And, again, they have that mid month payment. It's just if you want to adjust any of the amount. Ultimately, my recommendation is $7.50, like, 50 TPD, the Uh-huh. IP at those Yep. set amounts. Yep. But, yes, if you have an alternative that you want, there's one or two methodologies you can look at. You can either send me through an email and say, hey. Can you please quote up this? Yep. Mhmm. And I can do so and send it to you. And then if that's what you wanna go ahead with, there Not is that a clever. box... There's I'm not that a smart, box... but you're the expert. So... No. Yep. You're okay. There's a box in the in the statement of advice down on the sign page that is there for you to type in any alteration. So you can actually request for an alteration to the above. You can basically just type in thanks.","start_word":5049,"end_word":5447,"sentiment":"neutral","sentiment_score":0.06711643792334057},{"text":"Appreciate your advice.","start_word":5448,"end_word":5450,"sentiment":"positive","sentiment_score":0.524221658706665},{"text":"However, I would like to proceed with Mhmm. this quote for these amounts. And you would put that in, and I would then organize a time to go through the application with you. My... I have... One of my administrators is... Specializes in insurance, Yep. and they would go through the application with you and be able to complete the questionnaire, which I... You've gone through before, so I I don't need to sort of run through too too in-depth. But, basically, you answer all the questions under the fund to do with your health, occupation, everything like that, Mhmm. and that gets submitted to the insurer. The insurer is then able to put it in place and send payment request to your super fund. Okay.","start_word":5451,"end_word":5576,"sentiment":"neutral","sentiment_score":0.07495497167110443},{"text":"Awesome.","start_word":5577,"end_word":5577,"sentiment":"positive","sentiment_score":0.3944509625434875},{"text":"Yep. No worries.","start_word":5578,"end_word":5580,"sentiment":"neutral","sentiment_score":0.29711902141571045},{"text":"That sounds good. Now I appreciate your advice because I have no bloody idea, but what you're saying makes a bit of sense. So that's that's good.","start_word":5581,"end_word":5607,"sentiment":"positive","sentiment_score":0.43335363268852234},{"text":"Yep. I don't... Any... Yeah. I'll Yeah. be... Sorry. Something with you, whatever it is. I don't have any other one in mind, so but I have a bit of a proposal then and... Yeah. Sort something out soon. And then once we do all that, it gets processed pretty quickly or, like, I pay for it and then I'm I'm in? Or what? How Alright. long Yeah. does it Essentially. So once you authorize the advice, my my team will call you take? to schedule a time to go through application. Application will take anywhere from half hour to an hour. Yep. I had a look over your last application from years gone by, and no red flags. And as we talked about a couple weeks ago, you have nothing else that's popped up in your house. So it shouldn't take any longer than an hour, and that'll only Yes. be if, like, you have any questions or something like that. Outside of that, once the application goes through and is approved, the insurer will generally... Like, I I basically say it takes about two weeks. Yep. It's just the insurer will do all their checks, issue what's called the... Send you your currency and policy schedule to you, and they will then request payment, and then payment gets made. I've set up for the payment methodology to basically be direct debit from the SMSF cash account. It's the easiest method for SMSF payments. There is one other method, which is basically they invoice you when you pay the invoice. Yeah. Because... And why why my last insurance lapsed was because the insurer couldn't get payment. Like, it wouldn't accept payment until I done the tax return on my super. So that's how it lapsed. So it'd be easier if I pay it. But now, at least I know, to bloody pay it instead of letting it lapse. Yeah. No. Yeah. I I can myself at any time. Yeah. But No. It's I want... so fine. Yeah. It doesn't it doesn't work for some reason. So... Yeah. Oh, mate.","start_word":5608,"end_word":5957,"sentiment":"neutral","sentiment_score":0.02803922222128936},{"text":"It's fun.","start_word":5958,"end_word":5959,"sentiment":"positive","sentiment_score":0.38380861282348633},{"text":"No. Can't believe I've done I it. know. I've winged Yeah. You did alright. it. The only other document for you to sign is essentially the the quote. So it just... It details out the quote. As I said, the premiums are set. So this is something I'd wanna review with you at a minimum every two years. It's just a touch base to say, hey. How much does the mortgage drop by? Let's drop the policy by a little bit, and we would just decrease it. But the annualized, like, pre... Like, the premium projections are written in that because as you get older, the premiums do increase. Yep. Okay. Right. Yep. Yep. Yep. Okay.","start_word":5960,"end_word":6075,"sentiment":"neutral","sentiment_score":0.007951057166792452},{"text":"No problem. Thank you. That's okay.","start_word":6076,"end_word":6081,"sentiment":"positive","sentiment_score":0.46220916509628296},{"text":"What I'll do is I will leave it with you, and I will task Maddie, who you spoke to to organize our initial meeting. I'll task her to follow-up with you in a week. Mhmm. Yep.","start_word":6082,"end_word":6117,"sentiment":"neutral","sentiment_score":0.14829830825328827},{"text":"No worries. Sounds good. Perfect. Alright. Well, I will let you go, do everything you need to do, and we... I'll touch base with you in a week.","start_word":6118,"end_word":6145,"sentiment":"positive","sentiment_score":0.42892858386039734},{"text":"Yep.","start_word":6146,"end_word":6146,"sentiment":"neutral","sentiment_score":0.3076319694519043},{"text":"Beautiful. Alright. Thanks, Clarissa. Have a great day. Too. Thanks, Hazel. Bye.","start_word":6147,"end_word":6158,"sentiment":"positive","sentiment_score":0.6790649890899658},{"text":"Bye.","start_word":6159,"end_word":6159,"sentiment":"neutral","sentiment_score":0.2731150686740875}],"average":{"sentiment":"neutral","sentiment_score":-0.020399302908823386}}}}