{"metadata":{"transaction_key":"deprecated","request_id":"019f15f7-a5f1-7ad0-af52-e65134890aec","sha256":"a524f6704e78d3c9bcc86a7922e36898046baae5f4edb200e585b680c82f0496","created":"2026-06-30T00:39:40.984Z","duration":714.3839,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3002,"output_tokens":74},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3295,"output_tokens":3302},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3295,"output_tokens":184}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Adam. This is Veronica. How are you? Yeah. Good. Thanks. How are you? Yeah. How's your morning? That's good. Yeah. Oh, wow. Two hours. Yeah. Well, that consistency's good. Oh, yeah. Nice. Oh, that's good, though. Yeah. Oh, beautiful. Now, Adam, today is pretty straightforward from myself just in regards to that increase in your life insurance. Now do you have access to your emails at the moment, Anna? That's beautiful. Sorry. My colleague have just sent you an email with the recommendation, So that should be your inbox. Now it could end up in the spam folder as well. Yep. Can you see that one okay? Yep. Yep. So if you can click on the link for me where it says sign now, it should then open up the recommendation. So can you see the cover page process statement of advice prepared for yourself? Yep. Yep. Just let me know when you check data. Yeah. You can see the the cover page? Yeah. Yeah. So it yep. So it is pretty straightforward. I just wanna quickly run through the premium with you just to make sure. It is pretty similar to what I told you last time on the phone. So it is very straightforward. The the statement of advice, it is more so just just to make sure you fully understand everything, but a lot of it we have already touched on. So, basically, what we are looking at doing is just increasing your life so that in total, you have that 1,500,000. And then when we can, later, we'll assess if we can increase your TCD later as well. But at least for now, we can increase that life. Now what that look what that looks like is, what I have recommended is that we actually keep your current cover in place and apply for a pop up cover. The reason I wanted to do that instead of increasing your current one is that on your current policy, you do have a little bit more favorable terms in terms of loading, so it would be a little bit cheaper. So, essentially, it means you have two policies. You'll have your current one, which is $7.50 worth of life and KPD. Premium stays at that 1,774, which is that discounted after the smokers rate. And then we're just applying for a top up of $7.50, again, with one part to make it nice and easy. They were the most favorable when it comes to the underwriting process. Now like I told you last time, though, they will apply a bit of that loading, which means they are increasing the price a little bit just obviously due to health. It's still pretty affordable, though. So after the the no. It's actually been really good. So even though it is a 75 percent loading, which means that it is a little bit more expensive, it's still only $363 for 7 50. No. So it's it's pretty good. Now what they will do, kind of like I touched on last time, is they will request, most likely when you go through underwriting, a bit of a blood assessment just to check everything. We kind of expected that, but at least they've said that they are happy to look at that cover, which is great. So the only thing oh, sorry. Was everything okay there? They they they will be able to, so they can't just access it without your permission. But during the under yeah. During the so with it beautiful. Yeah. Great. So so what they'll do is when they go through underwriting is they will then request. So they could if you've already had them done, it's just gonna speed it up. So what they'll do is they will then Yeah. Oh, perfect. So that should all be up to date. So what the underwriters will do, so what one pass will do, they will just contact that doctor's office, request for those to be sent over to them. They'll review it, and if you had them done, it all looks good, then happy day. So it is pretty straightforward. The only thing that is with having the two policies is that if you ever were through having to go on claim, you would just have to be through application. Now the good thing is it's with the same insurer, so it makes it nice and easy, and we are here to assist if that were to happen. So we would obviously assist with with all of that process. So pretty straightforward. Literally just increasing that life for you. Obviously, what it means is the total premium will be a little bit more because you're having 750,000 more of cost. Yeah. Exact exactly. So it is let me just tell you again. So it's $363.77. So not too much, which is which is really good. Otherwise, no changes to anything else. No changes to your superannuation. Everything else is doing good. Now do you have any questions for me, Adam? I know we've kind of touched on all of this before, so it is pretty straightforward. No. It was all good. Perfect. Yes. Sorry. So the adviser fees are anything you pay. Now the the one part there is listed because we get commissions from insurance. So, obviously, you having more cover in place will mean we do get 22% of the premium ongoing, and we get 66 upfront. But that is one part paying us. So it's the insurer paying us for writing the policy for you. Of course. They pay their their 20 they pay their $553 ongoing. Yes. Yeah. So you don't pay it. They pay it. But for compliance, we have to disclose it so that you do understand that there will be a commission that Oakfield will receive for the insurances, but that is not you paying it. The only thing you pay is that advice to service fee, which is not changing. So, obviously, going through this process applying for for the cover, you are not paying any additional fees to do all of that. That is all part of that ongoing service. Yep. So any questions? Yes. It'll be one point one point five in total. So you already have $7.50, and we're applying for another $7.50. So you have one point five in total. Yep. Perfect. So if you wanna add your little scribble there for me. Yes. Yep. You should say, yeah, it should say validate, I think, and that's when it will send it through to me. Is it kind of that's all loading on your end? Yep. Now everything will be. Yep. Yeah. Sometimes it adds it automatically. Yeah. Yeah. Another day, which is which is nice. It's a bit gray up here as well. Oh, it I know. How is it almost July? It's crazy. Oh, it's right. Are you are you watching that? Do you watch the workup? I heard in penalty shootout too. Yeah. Are you are you you watch most of the games? Are you watching the one on Saturday morning? Yep. Yeah. I'm very excited because I'm I don't know if I have told you, but I'm Swedish. Sorry. I'm very yeah. Sorry. If you do have a bit of an accent, that's why. I've been in Australia for a while, though. But yeah. Yes. But tomorrow morning yeah. Oh, so good. Yeah. So to yeah. So tomorrow morning, I'm very excited because Sweden plays France. It will be very tough, though. I don't think they'll have much chance, but we'll we'll see. Yeah. Yeah. That's that's what it's either it's either France or Argentina, isn't it? We'll see. Very well. And he scored, like the first two games, he was the only one who scored five goals, which is crazy. Yeah. I heard that, which is, yeah, pretty crazy. Yeah. Very good. Yes. There's does it say because it hasn't come through to me yet. Does it still say validate or anything? Okay. I'll just keep a lookout on it. Sometimes it's a bit slower when it could come through. But what I will do, Adam, is I know you're very keen on getting this sorted ASAP. So what I have lined up, if you have another couple of minutes, I have Jack ready to go to just go through that insurance application with you now so we can submit that and get it all sorted for you. If you're happy with that? Yep. Alright. Perfect. So Jack will go through that application with one path to apply for the life insurance, and he will kind of keep you up to date with the underwriting and what happens, and he will let me know as well. And then, hopefully, we hopefully, we can get all of this sorted for you as soon as possible. Yeah. No problem. Hopefully, everything goes well with the game on Saturday morning as well. Yes. Yes. Now if there's anything that you need at any point, though, Adam, don't hesitate to give me a call. Okay? Yep. No no problem. So I will just transfer you over to Jack. Just give me two minutes. Okay. Thanks, Adam. You too. 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morning, Adam. This is Veronica. How are you? Yeah. Good.\n\nThanks. How are you? Yeah. How's your morning? That's good.\n\nYeah. Oh, wow. Two hours. Yeah. Well, that consistency's good.\n\nOh, yeah. Nice. Oh, that's good, though. Yeah. Oh, beautiful.\n\nNow, Adam, today is pretty straightforward from myself just in regards to that increase in your life insurance. Now do you have access to your emails at the moment, Anna? That's beautiful. Sorry. My colleague have just sent you an email with the recommendation, So that should be your inbox.\n\nNow it could end up in the spam folder as well. Yep. Can you see that one okay? Yep. Yep.\n\nSo if you can click on the link for me where it says sign now, it should then open up the recommendation. So can you see the cover page process statement of advice prepared for yourself? Yep. Yep. Just let me know when you check data.\n\nYeah. You can see the the cover page? Yeah. Yeah. So it yep.\n\nSo it is pretty straightforward. I just wanna quickly run through the premium with you just to make sure. It is pretty similar to what I told you last time on the phone. So it is very straightforward. The the statement of advice, it is more so just just to make sure you fully understand everything, but a lot of it we have already touched on.\n\nSo, basically, what we are looking at doing is just increasing your life so that in total, you have that 1,500,000. And then when we can, later, we'll assess if we can increase your TCD later as well. But at least for now, we can increase that life. Now what that look what that looks like is, what I have recommended is that we actually keep your current cover in place and apply for a pop up cover. The reason I wanted to do that instead of increasing your current one is that on your current policy, you do have a little bit more favorable terms in terms of loading, so it would be a little bit cheaper.\n\nSo, essentially, it means you have two policies. You'll have your current one, which is $7.50 worth of life and KPD. Premium stays at that 1,774, which is that discounted after the smokers rate. And then we're just applying for a top up of $7.50, again, with one part to make it nice and easy. They were the most favorable when it comes to the underwriting process.\n\nNow like I told you last time, though, they will apply a bit of that loading, which means they are increasing the price a little bit just obviously due to health. It's still pretty affordable, though. So after the the no. It's actually been really good. So even though it is a 75 percent loading, which means that it is a little bit more expensive, it's still only $363 for 7 50.\n\nNo. So it's it's pretty good. Now what they will do, kind of like I touched on last time, is they will request, most likely when you go through underwriting, a bit of a blood assessment just to check everything. We kind of expected that, but at least they've said that they are happy to look at that cover, which is great. So the only thing oh, sorry.\n\nWas everything okay there? They they they will be able to, so they can't just access it without your permission. But during the under yeah. During the so with it beautiful. Yeah.\n\nGreat. So so what they'll do is when they go through underwriting is they will then request. So they could if you've already had them done, it's just gonna speed it up. So what they'll do is they will then Yeah. Oh, perfect.\n\nSo that should all be up to date. So what the underwriters will do, so what one pass will do, they will just contact that doctor's office, request for those to be sent over to them. They'll review it, and if you had them done, it all looks good, then happy day. So it is pretty straightforward. The only thing that is with having the two policies is that if you ever were through having to go on claim, you would just have to be through application.\n\nNow the good thing is it's with the same insurer, so it makes it nice and easy, and we are here to assist if that were to happen. So we would obviously assist with with all of that process. So pretty straightforward. Literally just increasing that life for you. Obviously, what it means is the total premium will be a little bit more because you're having 750,000 more of cost.\n\nYeah. Exact exactly. So it is let me just tell you again. So it's $363.77. So not too much, which is which is really good.\n\nOtherwise, no changes to anything else. No changes to your superannuation. Everything else is doing good. Now do you have any questions for me, Adam? I know we've kind of touched on all of this before, so it is pretty straightforward.\n\nNo. It was all good. Perfect. Yes. Sorry.\n\nSo the adviser fees are anything you pay. Now the the one part there is listed because we get commissions from insurance. So, obviously, you having more cover in place will mean we do get 22% of the premium ongoing, and we get 66 upfront. But that is one part paying us. So it's the insurer paying us for writing the policy for you.\n\nOf course. They pay their their 20 they pay their $553 ongoing. Yes. Yeah. So you don't pay it.\n\nThey pay it. But for compliance, we have to disclose it so that you do understand that there will be a commission that Oakfield will receive for the insurances, but that is not you paying it. The only thing you pay is that advice to service fee, which is not changing. So, obviously, going through this process applying for for the cover, you are not paying any additional fees to do all of that. That is all part of that ongoing service.\n\nYep. So any questions? Yes. It'll be one point one point five in total. So you already have $7.50, and we're applying for another $7.50.\n\nSo you have one point five in total. Yep. Perfect. So if you wanna add your little scribble there for me. Yes.\n\nYep. You should say, yeah, it should say validate, I think, and that's when it will send it through to me. Is it kind of that's all loading on your end? Yep. Now everything will be.\n\nYep. Yeah. Sometimes it adds it automatically. Yeah. Yeah.\n\nAnother day, which is which is nice. It's a bit gray up here as well. Oh, it I know. How is it almost July? It's crazy.\n\nOh, it's right. Are you are you watching that? Do you watch the workup? I heard in penalty shootout too. Yeah.\n\nAre you are you you watch most of the games? Are you watching the one on Saturday morning? Yep. Yeah. I'm very excited because I'm I don't know if I have told you, but I'm Swedish.\n\nSorry. I'm very yeah. Sorry. If you do have a bit of an accent, that's why. I've been in Australia for a while, though.\n\nBut yeah. Yes. But tomorrow morning yeah. Oh, so good. Yeah.\n\nSo to yeah. So tomorrow morning, I'm very excited because Sweden plays France. It will be very tough, though. I don't think they'll have much chance, but we'll we'll see. Yeah.\n\nYeah. That's that's what it's either it's either France or Argentina, isn't it? We'll see. Very well. And he scored, like the first two games, he was the only one who scored five goals, which is crazy.\n\nYeah. I heard that, which is, yeah, pretty crazy. Yeah. Very good. Yes.\n\nThere's does it say because it hasn't come through to me yet. Does it still say validate or anything? Okay. I'll just keep a lookout on it. Sometimes it's a bit slower when it could come through.\n\nBut what I will do, Adam, is I know you're very keen on getting this sorted ASAP. So what I have lined up, if you have another couple of minutes, I have Jack ready to go to just go through that insurance application with you now so we can submit that and get it all sorted for you. If you're happy with that? Yep. Alright.\n\nPerfect. So Jack will go through that application with one path to apply for the life insurance, and he will kind of keep you up to date with the underwriting and what happens, and he will let me know as well. And then, hopefully, we hopefully, we can get all of this sorted for you as soon as possible. Yeah. No problem.\n\nHopefully, everything goes well with the game on Saturday morning as well. Yes. Yes. Now if there's anything that you need at any point, though, Adam, don't hesitate to give me a call. Okay?\n\nYep. No no problem. So I will just transfer you over to Jack. Just give me two minutes. Okay.\n\nThanks, Adam. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Adam.","start":2.24,"end":3.12,"sentiment":"neutral","sentiment_score":0.24363631010055542},{"text":"This is Veronica.","start":3.12,"end":4.1,"sentiment":"neutral","sentiment_score":0.19118009507656097},{"text":"How are you?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.16555160284042358},{"text":"Yeah.","start":6.64,"end":7.04,"sentiment":"neutral","sentiment_score":0.16332480311393738},{"text":"Good.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.41791102290153503}],"sentiment":"neutral","sentiment_score":0.21657635000619022,"num_words":11,"start":2.24,"end":7.2799997},{"sentences":[{"text":"Thanks.","start":7.2799997,"end":7.52,"sentiment":"positive","sentiment_score":0.4496613740921021},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.2632746795813243},{"text":"Yeah.","start":11.04,"end":11.54,"sentiment":"neutral","sentiment_score":0.11893971264362337},{"text":"How's your morning?","start":11.599999,"end":12.58,"sentiment":"neutral","sentiment_score":0.1067963366707166},{"text":"That's good.","start":20.325,"end":21.145,"sentiment":"neutral","sentiment_score":0.25204261392354965}],"sentiment":"neutral","sentiment_score":0.21828993633389474,"num_words":10,"start":7.2799997,"end":21.145},{"sentences":[{"text":"Yeah.","start":21.765,"end":22.265,"sentiment":"neutral","sentiment_score":0.02284405753016472},{"text":"Oh, wow.","start":23.925,"end":24.485,"sentiment":"neutral","sentiment_score":0.05147458892315626},{"text":"Two hours.","start":24.485,"end":25.225,"sentiment":"neutral","sentiment_score":0.03552361577749252},{"text":"Yeah.","start":25.365,"end":25.685,"sentiment":"neutral","sentiment_score":0.046557389199733734},{"text":"Well, that consistency's good.","start":25.685,"end":27.545,"sentiment":"neutral","sentiment_score":0.1343144942075014}],"sentiment":"neutral","sentiment_score":0.07806558329612016,"num_words":10,"start":21.765,"end":27.545},{"sentences":[{"text":"Oh, yeah.","start":28.46,"end":29.1,"sentiment":"neutral","sentiment_score":-0.002103269100189209},{"text":"Nice.","start":29.1,"end":29.6,"sentiment":"neutral","sentiment_score":0.13389745354652405},{"text":"Oh, that's good, though.","start":31.58,"end":32.88,"sentiment":"neutral","sentiment_score":0.1353818792849779},{"text":"Yeah.","start":34.3,"end":34.8,"sentiment":"neutral","sentiment_score":0.19168250262737271},{"text":"Oh, beautiful.","start":35.18,"end":36.079998,"sentiment":"positive","sentiment_score":0.375329852104187}],"sentiment":"neutral","sentiment_score":0.1613560639321804,"num_words":10,"start":28.46,"end":36.079998},{"sentences":[{"text":"Now, Adam, today is pretty straightforward from myself just in regards to that increase in your life insurance.","start":36.3,"end":43.44,"sentiment":"neutral","sentiment_score":0.13096927820394436},{"text":"Now do you have access to your emails at the moment, Anna?","start":45.155,"end":47.495,"sentiment":"neutral","sentiment_score":0.02085994346998632},{"text":"That's beautiful.","start":49.475,"end":50.295,"sentiment":"neutral","sentiment_score":0.28345588594675064},{"text":"Sorry.","start":50.434998,"end":50.934998,"sentiment":"neutral","sentiment_score":-0.038161277770996094},{"text":"My colleague have just sent you an email with the recommendation, So that should be your inbox.","start":50.995,"end":57.91,"sentiment":"neutral","sentiment_score":-0.03463420189697953}],"sentiment":"neutral","sentiment_score":0.050954707823693754,"num_words":50,"start":36.3,"end":57.91},{"sentences":[{"text":"Now it could end up in the spam folder as well.","start":57.97,"end":61.190002,"sentiment":"neutral","sentiment_score":-0.15471313081004404},{"text":"Yep.","start":62.93,"end":63.25,"sentiment":"neutral","sentiment_score":0.0068168481811881065},{"text":"Can you see that one okay?","start":63.25,"end":64.55,"sentiment":"neutral","sentiment_score":0.014654606580734253},{"text":"Yep.","start":66.450005,"end":66.950005,"sentiment":"neutral","sentiment_score":0.1279754638671875},{"text":"Yep.","start":67.905,"end":68.145004,"sentiment":"neutral","sentiment_score":0.05632226914167404}],"sentiment":"neutral","sentiment_score":-0.07114011091180146,"num_words":20,"start":57.97,"end":68.145004},{"sentences":[{"text":"So if you can click on the link for me where it says sign now, it should then open up the recommendation.","start":68.145004,"end":74.245,"sentiment":"neutral","sentiment_score":0.03954032029617916},{"text":"So can you see the cover page process statement of advice prepared for yourself?","start":74.625,"end":79.905,"sentiment":"neutral","sentiment_score":0.026148812512734106},{"text":"Yep.","start":79.905,"end":80.34,"sentiment":"neutral","sentiment_score":0.01979510113596916},{"text":"Yep.","start":84.899994,"end":85.399994,"sentiment":"neutral","sentiment_score":0.028859086334705353},{"text":"Just let me know when you check data.","start":91.14,"end":92.84,"sentiment":"neutral","sentiment_score":0.021362889790907502}],"sentiment":"neutral","sentiment_score":0.031641907119394644,"num_words":46,"start":68.145004,"end":92.84},{"sentences":[{"text":"Yeah.","start":96.575005,"end":96.975,"sentiment":"neutral","sentiment_score":0.016767114400863647},{"text":"You can see the the cover page?","start":96.975,"end":98.755005,"sentiment":"neutral","sentiment_score":0.013081951798605067},{"text":"Yeah.","start":100.175,"end":100.675,"sentiment":"neutral","sentiment_score":0.015480438247323036},{"text":"Yeah.","start":107.55,"end":107.950005,"sentiment":"neutral","sentiment_score":0.024501563981175423},{"text":"So it yep.","start":107.950005,"end":109.71,"sentiment":"neutral","sentiment_score":0.020102585355440777}],"sentiment":"neutral","sentiment_score":0.01604850271430153,"num_words":13,"start":96.575005,"end":109.71},{"sentences":[{"text":"So it is pretty straightforward.","start":109.71,"end":110.75,"sentiment":"positive","sentiment_score":0.5245950400829316},{"text":"I just wanna quickly run through the premium with you just to make sure.","start":110.75,"end":114.35,"sentiment":"neutral","sentiment_score":0.3031615210430963},{"text":"It is pretty similar to what I told you last time on the phone.","start":114.35,"end":117.47,"sentiment":"positive","sentiment_score":0.367567988378661},{"text":"So it is very straightforward.","start":117.47,"end":118.770004,"sentiment":"positive","sentiment_score":0.6061931490898133},{"text":"The the statement of advice, it is more so just just to make sure you fully understand everything, but a lot of it we have already touched on.","start":119.585,"end":126.325,"sentiment":"neutral","sentiment_score":0.1570632377905505}],"sentiment":"neutral","sentiment_score":0.29457461721066275,"num_words":66,"start":109.71,"end":126.325},{"sentences":[{"text":"So, basically, what we are looking at doing is just increasing your life so that in total, you have that 1,500,000.","start":126.945,"end":133.205,"sentiment":"neutral","sentiment_score":0.2108593803076517},{"text":"And then when we can, later, we'll assess if we can increase your TCD later as well.","start":133.56,"end":138.84,"sentiment":"neutral","sentiment_score":0.1758504992022234},{"text":"But at least for now, we can increase that life.","start":138.84,"end":141.58,"sentiment":"neutral","sentiment_score":0.2179320365190506},{"text":"Now what that look what that looks like is, what I have recommended is that we actually keep your current cover in place and apply for a pop up cover.","start":141.95999,"end":151.85501,"sentiment":"neutral","sentiment_score":0.19978684037923813},{"text":"The reason I wanted to do that instead of increasing your current one is that on your current policy, you do have a little bit more favorable terms in terms of loading, so it would be a little bit cheaper.","start":151.85501,"end":164.835,"sentiment":"neutral","sentiment_score":0.30165014136582613}],"sentiment":"neutral","sentiment_score":0.23437658223812863,"num_words":118,"start":126.945,"end":164.835},{"sentences":[{"text":"So, essentially, it means you have two policies.","start":165.11,"end":167.59,"sentiment":"neutral","sentiment_score":0.24229915998876095},{"text":"You'll have your current one, which is $7.50 worth of life and KPD.","start":167.59,"end":171.93,"sentiment":"neutral","sentiment_score":0.21221177509197822},{"text":"Premium stays at that 1,774, which is that discounted after the smokers rate.","start":172.87,"end":179.29,"sentiment":"neutral","sentiment_score":0.2084961453309426},{"text":"And then we're just applying for a top up of $7.50, again, with one part to make it nice and easy.","start":179.625,"end":185.805,"sentiment":"neutral","sentiment_score":0.2701608673447654},{"text":"They were the most favorable when it comes to the underwriting process.","start":186.505,"end":189.805,"sentiment":"positive","sentiment_score":0.41824271778265637}],"sentiment":"neutral","sentiment_score":0.2701475682543285,"num_words":67,"start":165.11,"end":189.805},{"sentences":[{"text":"Now like I told you last time, though, they will apply a bit of that loading, which means they are increasing the price a little bit just obviously due to health.","start":190.185,"end":199.38,"sentiment":"neutral","sentiment_score":0.201110897285323},{"text":"It's still pretty affordable, though.","start":199.6,"end":201.36,"sentiment":"neutral","sentiment_score":0.29256116449832914},{"text":"So after the the no.","start":201.36,"end":204.56,"sentiment":"neutral","sentiment_score":0.01896727308630943},{"text":"It's actually been really good.","start":204.56,"end":206.42,"sentiment":"neutral","sentiment_score":0.2624373137950897},{"text":"So even though it is a 75 percent loading, which means that it is a little bit more expensive, it's still only $363 for 7 50.","start":206.48,"end":217.85501,"sentiment":"neutral","sentiment_score":0.0047391180235605975}],"sentiment":"neutral","sentiment_score":0.12815949501883653,"num_words":72,"start":190.185,"end":217.85501},{"sentences":[{"text":"No.","start":218.79501,"end":219.115,"sentiment":"neutral","sentiment_score":-0.030334144830703735},{"text":"So it's it's pretty good.","start":219.115,"end":220.735,"sentiment":"positive","sentiment_score":0.816965115070343},{"text":"Now what they will do, kind of like I touched on last time, is they will request, most likely when you go through underwriting, a bit of a blood assessment just to check everything.","start":222.315,"end":232.42,"sentiment":"neutral","sentiment_score":0.13781469326247187},{"text":"We kind of expected that, but at least they've said that they are happy to look at that cover, which is great.","start":232.87999,"end":238.01999,"sentiment":"positive","sentiment_score":0.47541215270757675},{"text":"So the only thing oh, sorry.","start":238.4,"end":246.13501,"sentiment":"neutral","sentiment_score":0.1806626400599877}],"sentiment":"neutral","sentiment_score":0.29828285590252457,"num_words":68,"start":218.79501,"end":246.13501},{"sentences":[{"text":"Was everything okay there?","start":246.13501,"end":247.675,"sentiment":"neutral","sentiment_score":0.08520766533911228},{"text":"They they they will be able to, so they can't just access it without your permission.","start":252.23001,"end":257.45,"sentiment":"neutral","sentiment_score":-0.06027488794643432},{"text":"But during the under yeah.","start":257.75,"end":260.47,"sentiment":"neutral","sentiment_score":0.028192155994474888},{"text":"During the so with it beautiful.","start":260.47,"end":265.625,"sentiment":"positive","sentiment_score":0.46287648131450015},{"text":"Yeah.","start":266.805,"end":267.125,"sentiment":"neutral","sentiment_score":0.3110732436180115}],"sentiment":"neutral","sentiment_score":0.08142891767784022,"num_words":32,"start":246.13501,"end":267.125},{"sentences":[{"text":"Great.","start":267.125,"end":267.60498,"sentiment":"positive","sentiment_score":0.48210209608078},{"text":"So so what they'll do is when they go through underwriting is they will then request.","start":267.60498,"end":273.065,"sentiment":"neutral","sentiment_score":0.15978053444996476},{"text":"So they could if you've already had them done, it's just gonna speed it up.","start":273.205,"end":275.845,"sentiment":"neutral","sentiment_score":0.19091954032580058},{"text":"So what they'll do is they will then Yeah.","start":275.845,"end":280.83,"sentiment":"neutral","sentiment_score":0.0003213399193353127},{"text":"Oh, perfect.","start":280.83,"end":281.94998,"sentiment":"neutral","sentiment_score":0.27333415299654007}],"sentiment":"neutral","sentiment_score":0.15004521203335636,"num_words":43,"start":267.125,"end":281.94998},{"sentences":[{"text":"So that should all be up to date.","start":281.94998,"end":283.15,"sentiment":"neutral","sentiment_score":0.2759822942316532},{"text":"So what the underwriters will do, so what one pass will do, they will just contact that doctor's office, request for those to be sent over to them.","start":283.15,"end":290.655,"sentiment":"neutral","sentiment_score":0.17482409732682364},{"text":"They'll review it, and if you had them done, it all looks good, then happy day.","start":290.735,"end":294.675,"sentiment":"positive","sentiment_score":0.4247989412397146},{"text":"So it is pretty straightforward.","start":295.295,"end":296.835,"sentiment":"neutral","sentiment_score":0.23974018096923827},{"text":"The only thing that is with having the two policies is that if you ever were through having to go on claim, you would just have to be through application.","start":297.215,"end":304.915,"sentiment":"neutral","sentiment_score":0.08193937794615826}],"sentiment":"neutral","sentiment_score":0.20179998140311103,"num_words":87,"start":281.94998,"end":304.915},{"sentences":[{"text":"Now the good thing is it's with the same insurer, so it makes it nice and easy, and we are here to assist if that were to happen.","start":305.72,"end":312.13998,"sentiment":"positive","sentiment_score":0.5920013572488513},{"text":"So we would obviously assist with with all of that process.","start":312.44,"end":315.25998,"sentiment":"neutral","sentiment_score":0.292335722934116},{"text":"So pretty straightforward.","start":316.19998,"end":317.66,"sentiment":"positive","sentiment_score":0.5502193172772726},{"text":"Literally just increasing that life for you.","start":317.72,"end":319.835,"sentiment":"positive","sentiment_score":0.3438084253243038},{"text":"Obviously, what it means is the total premium will be a little bit more because you're having 750,000 more of cost.","start":319.835,"end":326.415,"sentiment":"neutral","sentiment_score":0.058588514902762005}],"sentiment":"positive","sentiment_score":0.35827723853290083,"num_words":70,"start":305.72,"end":326.415},{"sentences":[{"text":"Yeah.","start":327.515,"end":328.015,"sentiment":"neutral","sentiment_score":0.0597834549844265},{"text":"Exact exactly.","start":328.95502,"end":330.095,"sentiment":"neutral","sentiment_score":0.06051123887300491},{"text":"So it is let me just tell you again.","start":330.475,"end":332.815,"sentiment":"neutral","sentiment_score":0.053587735527091555},{"text":"So it's $363.77.","start":332.95502,"end":338.81,"sentiment":"neutral","sentiment_score":0.050524345288674034},{"text":"So not too much, which is which is really good.","start":339.11002,"end":342.97,"sentiment":"neutral","sentiment_score":0.20316541343927383}],"sentiment":"neutral","sentiment_score":0.11385290890932083,"num_words":25,"start":327.515,"end":342.97},{"sentences":[{"text":"Otherwise, no changes to anything else.","start":343.27002,"end":345.61002,"sentiment":"neutral","sentiment_score":0.2521347552537918},{"text":"No changes to your superannuation.","start":345.72498,"end":347.10498,"sentiment":"neutral","sentiment_score":0.23906369507312775},{"text":"Everything else is doing good.","start":347.405,"end":349.50497,"sentiment":"positive","sentiment_score":0.6316382050514221},{"text":"Now do you have any questions for me, Adam?","start":350.125,"end":352.04498,"sentiment":"neutral","sentiment_score":0.11964214179250929},{"text":"I know we've kind of touched on all of this before, so it is pretty straightforward.","start":352.04498,"end":355.985,"sentiment":"neutral","sentiment_score":0.20533396257087588}],"sentiment":"neutral","sentiment_score":0.2494741636441975,"num_words":41,"start":343.27002,"end":355.985},{"sentences":[{"text":"No.","start":358.22,"end":358.54,"sentiment":"neutral","sentiment_score":0.20742520689964297},{"text":"It was all good.","start":358.54,"end":359.1,"sentiment":"neutral","sentiment_score":0.3200351297855377},{"text":"Perfect.","start":359.1,"end":359.6,"sentiment":"neutral","sentiment_score":0.27390483021736145},{"text":"Yes.","start":369.18,"end":369.675,"sentiment":"neutral","sentiment_score":0.02556625194847584},{"text":"Sorry.","start":370.79498,"end":371.29498,"sentiment":"neutral","sentiment_score":-0.006878618150949478}],"sentiment":"neutral","sentiment_score":0.2225197737570852,"num_words":8,"start":358.22,"end":371.29498},{"sentences":[{"text":"So the adviser fees are anything you pay.","start":371.35498,"end":373.935,"sentiment":"neutral","sentiment_score":0.004534069332294166},{"text":"Now the the one part there is listed because we get commissions from insurance.","start":373.995,"end":380.655,"sentiment":"neutral","sentiment_score":0.04517082204776151},{"text":"So, obviously, you having more cover in place will mean we do get 22% of the premium ongoing, and we get 66 upfront.","start":380.715,"end":388.93,"sentiment":"neutral","sentiment_score":0.08534420702768408},{"text":"But that is one part paying us.","start":389.79,"end":391.79,"sentiment":"neutral","sentiment_score":0.022840757189052447},{"text":"So it's the insurer paying us for writing the policy for you.","start":391.79,"end":395.09,"sentiment":"neutral","sentiment_score":0.023755584998677175}],"sentiment":"neutral","sentiment_score":0.04807083039486315,"num_words":64,"start":371.35498,"end":395.09},{"sentences":[{"text":"Of course.","start":395.325,"end":396.785,"sentiment":"neutral","sentiment_score":0.02594037540256977},{"text":"They pay their their 20 they pay their $553 ongoing.","start":397.565,"end":402.625,"sentiment":"neutral","sentiment_score":0.015228261798620224},{"text":"Yes.","start":404.52502,"end":405.02502,"sentiment":"neutral","sentiment_score":0.10742132365703584},{"text":"Yeah.","start":406.20502,"end":406.685,"sentiment":"neutral","sentiment_score":0.07822118699550629},{"text":"So you don't pay it.","start":406.685,"end":408.46,"sentiment":"neutral","sentiment_score":0.026180748455226423}],"sentiment":"neutral","sentiment_score":0.02740576956421137,"num_words":19,"start":395.325,"end":408.46},{"sentences":[{"text":"They pay it.","start":408.46,"end":409.18,"sentiment":"neutral","sentiment_score":0.023246051743626595},{"text":"But for compliance, we have to disclose it so that you do understand that there will be a commission that Oakfield will receive for the insurances, but that is not you paying it.","start":409.18,"end":417.5,"sentiment":"neutral","sentiment_score":0.01712582790941903},{"text":"The only thing you pay is that advice to service fee, which is not changing.","start":417.5,"end":422.32,"sentiment":"neutral","sentiment_score":-0.0046424126252532},{"text":"So, obviously, going through this process applying for for the cover, you are not paying any additional fees to do all of that.","start":422.705,"end":428.385,"sentiment":"neutral","sentiment_score":0.09885747066658476},{"text":"That is all part of that ongoing service.","start":428.385,"end":430.325,"sentiment":"neutral","sentiment_score":0.11812066752463579}],"sentiment":"neutral","sentiment_score":0.046145627468188365,"num_words":82,"start":408.46,"end":430.325},{"sentences":[{"text":"Yep.","start":430.785,"end":431.285,"sentiment":"neutral","sentiment_score":0.17012302577495575},{"text":"So any questions?","start":431.905,"end":433.765,"sentiment":"neutral","sentiment_score":0.036785403887430825},{"text":"Yes.","start":438.56003,"end":439.06003,"sentiment":"neutral","sentiment_score":0.01939844712615013},{"text":"It'll be one point one point five in total.","start":440.16,"end":442.48,"sentiment":"neutral","sentiment_score":0.013216258751021491},{"text":"So you already have $7.50, and we're applying for another $7.50.","start":442.48,"end":446.16,"sentiment":"neutral","sentiment_score":0.02617310563271696}],"sentiment":"neutral","sentiment_score":0.028269127011299133,"num_words":25,"start":430.785,"end":446.16},{"sentences":[{"text":"So you have one point five in 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me.","start":460.155,"end":469.91998,"sentiment":"neutral","sentiment_score":0.05478318254463375},{"text":"Is it kind of that's all loading on your end?","start":476.39502,"end":481.77502,"sentiment":"neutral","sentiment_score":0.03546559922397137},{"text":"Yep.","start":484.475,"end":484.975,"sentiment":"neutral","sentiment_score":0.08583584427833557},{"text":"Now everything will be.","start":485.915,"end":487.45502,"sentiment":"neutral","sentiment_score":0.056668560951948166}],"sentiment":"neutral","sentiment_score":0.050576654030010104,"num_words":36,"start":458.635,"end":487.45502},{"sentences":[{"text":"Yep.","start":487.98,"end":488.48,"sentiment":"neutral","sentiment_score":0.04064604640007019},{"text":"Yeah.","start":490.7,"end":491.18,"sentiment":"neutral","sentiment_score":0.04084203392267227},{"text":"Sometimes it adds it automatically.","start":491.18,"end":492.72,"sentiment":"neutral","sentiment_score":0.058853999525308606},{"text":"Yeah.","start":498.54,"end":499.02,"sentiment":"neutral","sentiment_score":0.11469262093305588},{"text":"Yeah.","start":499.02,"end":499.34,"sentiment":"neutral","sentiment_score":0.13605228066444397}],"sentiment":"neutral","sentiment_score":0.06961144217186505,"num_words":9,"start":487.98,"end":499.34},{"sentences":[{"text":"Another day, which is which is nice.","start":499.34,"end":501.52,"sentiment":"neutral","sentiment_score":0.225211039185524},{"text":"It's a bit gray up here as well.","start":502.185,"end":504.205,"sentiment":"neutral","sentiment_score":-0.014739695121534169},{"text":"Oh, it I know.","start":508.26498,"end":510.185,"sentiment":"neutral","sentiment_score":-0.05073164124041796},{"text":"How is it almost July?","start":510.185,"end":511.705,"sentiment":"neutral","sentiment_score":-0.04841044396162033},{"text":"It's crazy.","start":511.705,"end":512.445,"sentiment":"neutral","sentiment_score":-0.13035107031464577}],"sentiment":"neutral","sentiment_score":0.028956876458743445,"num_words":26,"start":499.34,"end":512.445},{"sentences":[{"text":"Oh, it's right.","start":520.9,"end":521.62,"sentiment":"neutral","sentiment_score":0.19605505963166556},{"text":"Are you are you watching that?","start":521.62,"end":523.64,"sentiment":"neutral","sentiment_score":0.039316930497686066},{"text":"Do you watch the workup?","start":524.02,"end":525.24005,"sentiment":"neutral","sentiment_score":0.023708093352615832},{"text":"I heard in penalty shootout too.","start":527.06,"end":529.80005,"sentiment":"neutral","sentiment_score":0.013524308800697327},{"text":"Yeah.","start":531.945,"end":532.445,"sentiment":"neutral","sentiment_score":0.15270407497882843}],"sentiment":"neutral","sentiment_score":0.05602176935367641,"num_words":21,"start":520.9,"end":532.445},{"sentences":[{"text":"Are you are you you watch most of the games?","start":532.505,"end":535.705,"sentiment":"neutral","sentiment_score":0.02910139486193657},{"text":"Are you watching the one on Saturday morning?","start":535.705,"end":537.565,"sentiment":"neutral","sentiment_score":0.023412631126120687},{"text":"Yep.","start":539.22504,"end":539.72504,"sentiment":"neutral","sentiment_score":0.06845352798700333},{"text":"Yeah.","start":543.63995,"end":544.13995,"sentiment":"neutral","sentiment_score":0.043648287653923035},{"text":"I'm very excited because I'm I don't know if I have told you, but I'm Swedish.","start":545.48,"end":549.01996,"sentiment":"neutral","sentiment_score":0.07492781343171373}],"sentiment":"neutral","sentiment_score":0.049701717449352145,"num_words":36,"start":532.505,"end":549.01996},{"sentences":[{"text":"Sorry.","start":549.63995,"end":550.13995,"sentiment":"neutral","sentiment_score":-0.008592639118432999},{"text":"I'm very yeah.","start":550.19995,"end":551.63995,"sentiment":"neutral","sentiment_score":0.010571444251885017},{"text":"Sorry.","start":551.63995,"end":551.88,"sentiment":"neutral","sentiment_score":-0.009445715695619585},{"text":"If you do have a bit of an accent, that's why.","start":551.88,"end":553.56,"sentiment":"neutral","sentiment_score":-0.0032395277680321174},{"text":"I've been in Australia for a while, though.","start":553.56,"end":555.33997,"sentiment":"neutral","sentiment_score":0.028582322876900434}],"sentiment":"neutral","sentiment_score":0.008612489812852194,"num_words":24,"start":549.63995,"end":555.33997},{"sentences":[{"text":"But yeah.","start":556.04,"end":556.86,"sentiment":"neutral","sentiment_score":0.07562979683279991},{"text":"Yes.","start":558.385,"end":558.885,"sentiment":"neutral","sentiment_score":0.1316661238670349},{"text":"But tomorrow morning yeah.","start":559.98505,"end":564.005,"sentiment":"neutral","sentiment_score":0.11593381687998772},{"text":"Oh, so good.","start":566.065,"end":566.885,"sentiment":"neutral","sentiment_score":0.1914380689462026},{"text":"Yeah.","start":567.42505,"end":567.825,"sentiment":"neutral","sentiment_score":0.056585729122161865}],"sentiment":"neutral","sentiment_score":0.1252328110012141,"num_words":11,"start":556.04,"end":567.825},{"sentences":[{"text":"So to yeah.","start":567.825,"end":569.505,"sentiment":"neutral","sentiment_score":0.02948283093671004},{"text":"So tomorrow morning, I'm very excited because Sweden plays France.","start":569.505,"end":573.12,"sentiment":"neutral","sentiment_score":0.18055066987872123},{"text":"It will be very tough, though.","start":573.12,"end":574.16003,"sentiment":"neutral","sentiment_score":-0.10954369107882182},{"text":"I don't think they'll have much chance, but we'll we'll see.","start":574.16003,"end":579.14,"sentiment":"neutral","sentiment_score":-0.054244285957379776},{"text":"Yeah.","start":583.68,"end":584.18,"sentiment":"neutral","sentiment_score":0.005626661702990532}],"sentiment":"neutral","sentiment_score":0.020826856816007246,"num_words":31,"start":567.825,"end":584.18},{"sentences":[{"text":"Yeah.","start":584.64,"end":585.04004,"sentiment":"neutral","sentiment_score":0.0120764821767807},{"text":"That's that's what it's either it's either France or Argentina, isn't it?","start":585.04004,"end":589.115,"sentiment":"neutral","sentiment_score":0.016430420180161793},{"text":"We'll see.","start":590.295,"end":590.955,"sentiment":"neutral","sentiment_score":0.06327897496521473},{"text":"Very well.","start":592.615,"end":593.175,"sentiment":"positive","sentiment_score":0.36006322503089905},{"text":"And he scored, like the first two games, he was the only one who scored five goals, which is crazy.","start":593.175,"end":597.515,"sentiment":"neutral","sentiment_score":0.17028612196445464}],"sentiment":"neutral","sentiment_score":0.1205850909086498,"num_words":37,"start":584.64,"end":597.515},{"sentences":[{"text":"Yeah.","start":600.135,"end":600.635,"sentiment":"neutral","sentiment_score":0.019881416112184525},{"text":"I heard that, which is, yeah, pretty crazy.","start":601.015,"end":603.755,"sentiment":"neutral","sentiment_score":-0.0566738061606884},{"text":"Yeah.","start":606.56,"end":607.06,"sentiment":"neutral","sentiment_score":0.1551787406206131},{"text":"Very good.","start":607.6,"end":608.42,"sentiment":"positive","sentiment_score":0.5031062960624695},{"text":"Yes.","start":609.68,"end":610.18,"sentiment":"neutral","sentiment_score":0.06063611060380936}],"sentiment":"neutral","sentiment_score":0.06065526232123375,"num_words":13,"start":600.135,"end":610.18},{"sentences":[{"text":"There's does it say because it hasn't come through to me yet.","start":610.4,"end":615.84,"sentiment":"neutral","sentiment_score":0.004435673666497071},{"text":"Does it still say validate or anything?","start":615.84,"end":618.02,"sentiment":"neutral","sentiment_score":0.006913028657436371},{"text":"Okay.","start":623.335,"end":623.835,"sentiment":"neutral","sentiment_score":0.0256409365683794},{"text":"I'll just keep a lookout on it.","start":624.295,"end":626.555,"sentiment":"neutral","sentiment_score":0.022631458938121796},{"text":"Sometimes it's a bit slower when it could come through.","start":627.255,"end":629.415,"sentiment":"neutral","sentiment_score":-0.10524681732058525}],"sentiment":"neutral","sentiment_score":-0.020723992958664894,"num_words":37,"start":610.4,"end":629.415},{"sentences":[{"text":"But what I will do, Adam, is I know you're very keen on getting this sorted ASAP.","start":629.415,"end":633.755,"sentiment":"neutral","sentiment_score":0.024078797001172516},{"text":"So what I have lined up, if you have another couple of minutes, I have Jack ready to go to just go through that insurance application with you now so we can submit that and get it all sorted for you.","start":634.38,"end":646.06,"sentiment":"neutral","sentiment_score":0.14467477325986072},{"text":"If you're happy with that?","start":646.06,"end":647.28,"sentiment":"neutral","sentiment_score":0.15252987444400787},{"text":"Yep.","start":648.525,"end":649.005,"sentiment":"neutral","sentiment_score":0.2958109378814697},{"text":"Alright.","start":649.005,"end":649.505,"sentiment":"positive","sentiment_score":0.381638377904892}],"sentiment":"neutral","sentiment_score":0.11970929139508651,"num_words":65,"start":629.415,"end":649.505},{"sentences":[{"text":"Perfect.","start":649.72504,"end":650.205,"sentiment":"positive","sentiment_score":0.5450436472892761},{"text":"So Jack will go through that application with one path to apply for the life insurance, and he will kind of keep you up to date with the underwriting and what happens, and he will let me know as well.","start":650.205,"end":661.34503,"sentiment":"neutral","sentiment_score":0.26038985438644885},{"text":"And then, hopefully, we hopefully, we can get all of this sorted for you as soon as possible.","start":661.46,"end":665.0,"sentiment":"neutral","sentiment_score":0.1954075706501802},{"text":"Yeah.","start":666.5,"end":667.0,"sentiment":"neutral","sentiment_score":0.258780837059021},{"text":"No problem.","start":667.38,"end":667.94,"sentiment":"neutral","sentiment_score":0.22827298194169998}],"sentiment":"neutral","sentiment_score":0.2450532402482725,"num_words":62,"start":649.72504,"end":667.94},{"sentences":[{"text":"Hopefully, everything goes well with the game on Saturday morning as well.","start":667.94,"end":671.32,"sentiment":"neutral","sentiment_score":0.22631119564175606},{"text":"Yes.","start":674.005,"end":674.505,"sentiment":"neutral","sentiment_score":0.22478041052818296},{"text":"Yes.","start":675.925,"end":676.425,"sentiment":"neutral","sentiment_score":0.04722268879413605},{"text":"Now if there's anything that you need at any point, though, Adam, don't hesitate to give me a call.","start":679.125,"end":683.285,"sentiment":"neutral","sentiment_score":0.05911882143271597},{"text":"Okay?","start":683.285,"end":683.785,"sentiment":"neutral","sentiment_score":0.05835338681936264}],"sentiment":"neutral","sentiment_score":0.12262789532542229,"num_words":34,"start":667.94,"end":683.785},{"sentences":[{"text":"Yep.","start":689.3,"end":689.8,"sentiment":"positive","sentiment_score":0.37710675597190857},{"text":"No no problem.","start":690.1,"end":691.14,"sentiment":"negative","sentiment_score":-0.5173469334840775},{"text":"So I will just transfer you over to Jack.","start":691.14,"end":692.98,"sentiment":"neutral","sentiment_score":0.005482992364300622},{"text":"Just give me two minutes.","start":692.98,"end":694.2,"sentiment":"neutral","sentiment_score":0.02097618281841278},{"text":"Okay.","start":695.62,"end":696.1,"sentiment":"neutral","sentiment_score":0.2866056561470032}],"sentiment":"neutral","sentiment_score":-0.03863687068223953,"num_words":19,"start":689.3,"end":696.1},{"sentences":[{"text":"Thanks, Adam.","start":696.1,"end":697.0,"sentiment":"positive","sentiment_score":0.48354804515838623},{"text":"You too.","start":697.22,"end":697.96,"sentiment":"neutral","sentiment_score":0.18157468736171722},{"text":"Bye.","start":701.695,"end":702.195,"sentiment":"neutral","sentiment_score":-0.12233196943998335}],"sentiment":"neutral","sentiment_score":0.2415826991200447,"num_words":5,"start":696.1,"end":702.195}]}}]},{"alternatives":[{"transcript":"Hello. How are you? Good. Good. Have a day? Alright. It's been fantastic. It's been a bit cool, but I went to the gym, but I'm training and cool and miserable, but I went to the gym and don't wanna go do it. Two hours on the treadmill and yeah. That's alright. Yeah. Six 16 100 calories. I like it. Yeah. That's going uphill. Yeah. It's normal for me. Yeah. I feel much better for it. Yeah. Yep. Yes. I I have. Yeah. Yep. Yep. I have a look today. Yep. It's pretty good. Yep. Yep. Just one second. Let's have a look. Oh, yep. Yep. I have it. I have it. I have it. I have it. I have it. I have it. I have it. What my insurance is? Okay. I signed document. Yep. Yep. Yep. Yep. Yep. Yep. I'm happy. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. How's it going up much? Is it? Yep. Yep. How much? Yep. I think it's oh, I'm I've had a a hormone test and stuff, not one of their blood tests. I think that's on my record. Yeah. Everything was okay. I thought they have access to my record, but I got bad record. Yeah. Yep. They can. Yep. I'm I'm happy for them to look at that and check it all out. Yep. That's not long ago at all. Probably about a month or so ago. That was long. Yeah. Yep. Yep. Yep. No worries. Yep. No worries. I think, like, three $103,100 dollars more. Is it that's pretty cheap, not much. No worries. Alright. That's all good. I see adviser service fee, 2,301 part 550 is it? So one part is 553. Right? And adviser free is 2,000. Yep. Yep. Yep. Oh, so one part pay you $2,000. Dollars. Oh, okay. Okay. That's alright. Pretty good. Yep. No. No worries. Yep. Yep. No worries. All good. I just gotta put my thing into the I'm just just reading it. So it's one point was it live cover now is one point, was it? Nothing. Yep. Yep. Now right. Yep. Happy with that. All good. I got the scribble. I'll just go next. That's right. You're right. Document. Yep. And that should be signed. Just wait. Just very quick this there. Should be all signed up. So I'm just looking at it. Alright. 44 27. Yep. Loading. Yep. I'm just checking every paper. Yep. All good. Signature. Oh, date of dates. I see it there. Yep. I just had it. Yep. Checking it again. Oh, good. How's your day anyway? Good? Another day? Yep. Yeah. It goes it goes quick the time, doesn't it? Oh, no. It's Christmas. Yeah. We get all very quick. Five years ago. Well, gee, five years ago, it's quick like the World Cup soccer. Four years ago, it's quick too. Great. Yeah. I watched it before. Germany. Yeah. They lost. They're out. Crazy. Yeah. Great. That's crazy. Yep. I was just watching the Brazil. I said the holidays of Brazil, Japan. That was a good game. That's close. Not much, you know? Are you? That was that was really unbelievable. We're good to go to the big event like that. But the m MCG or something would be great. Like, the same thing. I started working. That'd be good. Oh, yeah. Yeah. I reckon I can I just changed a win for me, but that's messy because messy is so good? You know? That is the best. So yeah. He's yeah. For his age, he's going very well. Most most girls and I woke up or something tomorrow. So it's it's a it's a it's a fridge. It's a freak. It's a number one. So they yeah. They're like I I think I signed it. We will get so yep. You will get will you get you will get the sign document by email. So yeah. So that's yep. Yep. Yep. Yeah. I'm happy with that. All good. Thanks. Yep. No worries. Thank you very much for that. Yes. I I I hopefully for sure I get through. We're happy for Australia, hopefully. Yeah. I don't know. Fingers crossed. Yeah. Oh, yeah. It was been yeah. I just looked at everything. It's all good. Thanks for that. All good. No worries. Thank you. Have a good day. No worries. Bye bye. See you soon. 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How are you? Good. Good. Have a day?\n\nAlright. It's been fantastic. It's been a bit cool, but I went to the gym, but I'm training and cool and miserable, but I went to the gym and don't wanna go do it. Two hours on the treadmill and yeah. That's alright.\n\nYeah. Six 16 100 calories. I like it. Yeah. That's going uphill.\n\nYeah. It's normal for me. Yeah. I feel much better for it. Yeah.\n\nYep. Yes. I I have. Yeah. Yep.\n\nYep. I have a look today. Yep. It's pretty good. Yep.\n\nYep. Just one second. Let's have a look. Oh, yep. Yep.\n\nI have it. I have it. I have it. I have it. I have it.\n\nI have it. I have it. What my insurance is? Okay. I signed document.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. I'm happy. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nHow's it going up much? Is it? Yep. Yep. How much?\n\nYep. I think it's oh, I'm I've had a a hormone test and stuff, not one of their blood tests. I think that's on my record. Yeah. Everything was okay.\n\nI thought they have access to my record, but I got bad record. Yeah. Yep. They can. Yep.\n\nI'm I'm happy for them to look at that and check it all out. Yep. That's not long ago at all. Probably about a month or so ago. That was long.\n\nYeah. Yep. Yep. Yep. No worries.\n\nYep. No worries. I think, like, three $103,100 dollars more. Is it that's pretty cheap, not much. No worries.\n\nAlright. That's all good. I see adviser service fee, 2,301 part 550 is it? So one part is 553. Right?\n\nAnd adviser free is 2,000. Yep. Yep. Yep. Oh, so one part pay you $2,000.\n\nDollars. Oh, okay. Okay. That's alright. Pretty good.\n\nYep. No. No worries. Yep. Yep.\n\nNo worries. All good. I just gotta put my thing into the I'm just just reading it. So it's one point was it live cover now is one point, was it? Nothing.\n\nYep. Yep. Now right. Yep. Happy with that.\n\nAll good. I got the scribble. I'll just go next. That's right. You're right.\n\nDocument. Yep. And that should be signed. Just wait. Just very quick this there.\n\nShould be all signed up. So I'm just looking at it. Alright. 44 27. Yep.\n\nLoading. Yep. I'm just checking every paper. Yep. All good.\n\nSignature. Oh, date of dates. I see it there. Yep. I just had it.\n\nYep. Checking it again. Oh, good. How's your day anyway? Good?\n\nAnother day? Yep. Yeah. It goes it goes quick the time, doesn't it? Oh, no.\n\nIt's Christmas. Yeah. We get all very quick. Five years ago. Well, gee, five years ago, it's quick like the World Cup soccer.\n\nFour years ago, it's quick too. Great. Yeah. I watched it before. Germany.\n\nYeah. They lost. They're out. Crazy. Yeah.\n\nGreat. That's crazy. Yep. I was just watching the Brazil. I said the holidays of Brazil, Japan.\n\nThat was a good game. That's close. Not much, you know? Are you? That was that was really unbelievable.\n\nWe're good to go to the big event like that. But the m MCG or something would be great. Like, the same thing. I started working. That'd be good.\n\nOh, yeah. Yeah. I reckon I can I just changed a win for me, but that's messy because messy is so good? You know? That is the best.\n\nSo yeah. He's yeah. For his age, he's going very well. Most most girls and I woke up or something tomorrow. So it's it's a it's a it's a fridge.\n\nIt's a freak. It's a number one. So they yeah. They're like I I think I signed it. We will get so yep.\n\nYou will get will you get you will get the sign document by email. So yeah. So that's yep. Yep. Yep.\n\nYeah. I'm happy with that. All good. Thanks. Yep.\n\nNo worries. Thank you very much for that. Yes. I I I hopefully for sure I get through. We're happy for Australia, hopefully.\n\nYeah. I don't know. Fingers crossed. Yeah. Oh, yeah.\n\nIt was been yeah. I just looked at everything. It's all good. Thanks for that. All good.\n\nNo worries. Thank you. Have a good day. No worries. Bye bye.\n\nSee you soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.09910841286182404},{"text":"How are you?","start":5.68,"end":6.42,"sentiment":"neutral","sentiment_score":0.11444855481386185},{"text":"Good.","start":9.2,"end":9.44,"sentiment":"positive","sentiment_score":0.34328773617744446},{"text":"Good.","start":9.44,"end":9.84,"sentiment":"positive","sentiment_score":0.33508822321891785},{"text":"Have a day?","start":9.84,"end":10.58,"sentiment":"neutral","sentiment_score":0.2531471252441406}],"sentiment":"neutral","sentiment_score":0.20891904582579932,"num_words":9,"start":5.3599997,"end":10.58},{"sentences":[{"text":"Alright.","start":13.515,"end":13.835,"sentiment":"neutral","sentiment_score":0.238421767950058},{"text":"It's been fantastic.","start":13.835,"end":14.875,"sentiment":"positive","sentiment_score":0.6002915898958842},{"text":"It's been a bit cool, but I went to the gym, but I'm training and cool and miserable, 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hopefully.","start":673.325,"end":674.945,"sentiment":"neutral","sentiment_score":0.268491142988205}],"sentiment":"neutral","sentiment_score":0.21334913923688556,"num_words":23,"start":665.39,"end":674.945},{"sentences":[{"text":"Yeah.","start":676.045,"end":676.525,"sentiment":"neutral","sentiment_score":0.02643604576587677},{"text":"I don't know.","start":676.525,"end":677.505,"sentiment":"neutral","sentiment_score":-0.00761454210927089},{"text":"Fingers crossed.","start":677.645,"end":678.545,"sentiment":"neutral","sentiment_score":0.01911993697285652},{"text":"Yeah.","start":684.12994,"end":684.62994,"sentiment":"neutral","sentiment_score":0.07906371355056763},{"text":"Oh, yeah.","start":686.44995,"end":686.68994,"sentiment":"neutral","sentiment_score":0.13381265848875046}],"sentiment":"neutral","sentiment_score":0.04316903599020508,"num_words":9,"start":676.045,"end":686.68994},{"sentences":[{"text":"It was been yeah.","start":686.68994,"end":687.32996,"sentiment":"neutral","sentiment_score":0.16854004934430122},{"text":"I just looked at everything.","start":687.32996,"end":688.12994,"sentiment":"neutral","sentiment_score":0.23499640822410583},{"text":"It's all good.","start":688.12994,"end":688.85,"sentiment":"positive","sentiment_score":0.4900254209836324},{"text":"Thanks for that.","start":688.85,"end":689.91,"sentiment":"positive","sentiment_score":0.4245864152908325},{"text":"All good.","start":690.20996,"end":690.94995,"sentiment":"negative","sentiment_score":-0.5986831188201904}],"sentiment":"neutral","sentiment_score":0.19974185351063223,"num_words":17,"start":686.68994,"end":690.94995},{"sentences":[{"text":"No worries.","start":694.64496,"end":695.125,"sentiment":"neutral","sentiment_score":0.12047330290079117},{"text":"Thank you.","start":695.125,"end":695.865,"sentiment":"positive","sentiment_score":0.5616537928581238},{"text":"Have a good day.","start":696.08496,"end":696.90497,"sentiment":"positive","sentiment_score":0.6308943033218384},{"text":"No worries.","start":697.285,"end":697.845,"sentiment":"neutral","sentiment_score":0.13310759514570236},{"text":"Bye bye.","start":697.845,"end":698.32495,"sentiment":"neutral","sentiment_score":0.19537198543548584}],"sentiment":"positive","sentiment_score":0.3787325471639633,"num_words":12,"start":694.64496,"end":698.32495},{"sentences":[{"text":"See you soon.","start":698.32495,"end":699.06494,"sentiment":"positive","sentiment_score":0.34615422288576764},{"text":"Bye.","start":699.125,"end":699.625,"sentiment":"neutral","sentiment_score":0.1577402949333191}],"sentiment":"neutral","sentiment_score":0.2990507408976555,"num_words":4,"start":698.32495,"end":699.625}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Adam. This is Veronica. How are you?\n\nChannel 1: Hello. How are you?\n\nChannel 0: Yeah. Good. Thanks. How are you?\n\nChannel 1: Good. Good. Have a day?\n\nChannel 0: Yeah. How's your morning?\n\nChannel 1: Alright. It's been fantastic. It's been a bit cool, but I went to the gym, but I'm training and cool and miserable, but I went to the gym and don't wanna go\n\nChannel 0: That's\n\nChannel 1: do\n\nChannel 0: good.\n\nChannel 1: it. Two\n\nChannel 0: Yeah.\n\nChannel 1: hours on the treadmill and\n\nChannel 0: Oh,\n\nChannel 1: yeah.\n\nChannel 0: wow.\n\nChannel 1: That's alright.\n\nChannel 0: Two hours. Yeah. Well,\n\nChannel 1: Yeah. Six\n\nChannel 0: that\n\nChannel 1: 16\n\nChannel 0: consistency's\n\nChannel 1: 100 calories.\n\nChannel 0: good.\n\nChannel 1: I like it. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: That's going\n\nChannel 0: yeah.\n\nChannel 1: uphill.\n\nChannel 0: Nice.\n\nChannel 1: Yeah. It's\n\nChannel 0: Oh,\n\nChannel 1: normal\n\nChannel 0: that's\n\nChannel 1: for\n\nChannel 0: good,\n\nChannel 1: me.\n\nChannel 0: though.\n\nChannel 1: Yeah. I feel much better for\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Oh, beautiful. Now, Adam, today is pretty straightforward from myself just\n\nChannel 1: Yeah.\n\nChannel 0: in regards to that increase in your life insurance.\n\nChannel 1: Yep.\n\nChannel 0: Now do you have access to your emails at the moment, Anna?\n\nChannel 1: Yes. I I have. Yeah.\n\nChannel 0: That's beautiful. Sorry. My colleague have just sent you an email with the recommendation, So that\n\nChannel 1: Yep.\n\nChannel 0: should be your inbox. Now it could end up in the spam folder as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Can\n\nChannel 1: have\n\nChannel 0: you\n\nChannel 1: a look\n\nChannel 0: see that\n\nChannel 1: today.\n\nChannel 0: one okay?\n\nChannel 1: Yep. It's pretty\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Yep. So if you can click on the link for me where it says sign now, it should\n\nChannel 1: Yep.\n\nChannel 0: then open up the recommendation. So can you see the cover page process statement of advice\n\nChannel 1: Yep.\n\nChannel 0: prepared for\n\nChannel 1: Just\n\nChannel 0: yourself?\n\nChannel 1: one second.\n\nChannel 0: Yep.\n\nChannel 1: Let's have a look.\n\nChannel 0: Yep. Just let me know when you check data.\n\nChannel 1: Oh, yep.\n\nChannel 0: Yeah. You can see the the\n\nChannel 1: Yep.\n\nChannel 0: cover page?\n\nChannel 1: I have\n\nChannel 0: Yeah.\n\nChannel 1: it. I have it. I have it. I have it. I have it.\n\nI have it. I have it. What my insurance is? Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I signed\n\nChannel 0: So\n\nChannel 1: document.\n\nChannel 0: it yep.\n\nChannel 1: Yep.\n\nChannel 0: So it is pretty straightforward. I just wanna quickly run through the premium with you just\n\nChannel 1: Yep.\n\nChannel 0: to make sure. It is pretty similar to what I told you last time on the phone. So it is very straightforward.\n\nChannel 1: Yep.\n\nChannel 0: The the statement of advice, it is more so just just to make sure you fully understand everything, but a lot of it we have already touched on.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, what we are looking at doing is just increasing your life so that in total, you have that 1,500,000. And\n\nChannel 1: Yep.\n\nChannel 0: then when we can, later, we'll assess if we can increase your TCD later as well. But at least\n\nChannel 1: Yep.\n\nChannel 0: for now, we can increase that life.\n\nChannel 1: I'm\n\nChannel 0: Now\n\nChannel 1: happy.\n\nChannel 0: what\n\nChannel 1: Yep.\n\nChannel 0: that look what that looks like is, what I have recommended is that we actually keep your current cover in place and apply\n\nChannel 1: Yep.\n\nChannel 0: for a pop up cover. The reason I wanted to do that instead of increasing your current one is that on your current policy, you do have a little bit more favorable terms in terms of loading, so it would be a little bit cheaper. So, essentially, it means you have two policies. You'll have your current one,\n\nChannel 1: Yep.\n\nChannel 0: which\n\nChannel 1: Yep.\n\nChannel 0: is $7.50 worth of life and KPD. Premium\n\nChannel 1: Yep.\n\nChannel 0: stays at that 1,774, which is that discounted after the smokers rate.\n\nChannel 1: Yep.\n\nChannel 0: And then we're just applying for a top up of\n\nChannel 1: Yep.\n\nChannel 0: $7.50, again, with one part to make it nice and easy. They were the most favorable when it comes to the underwriting process. Now like I told you last time, though, they will apply a bit of that loading, which means\n\nChannel 1: Yep.\n\nChannel 0: they are increasing the price a little bit just obviously due to health. It's still pretty affordable, though. So after\n\nChannel 1: How's it going\n\nChannel 0: the\n\nChannel 1: up\n\nChannel 0: the\n\nChannel 1: much? Is\n\nChannel 0: no. It's actually been really good. So\n\nChannel 1: it?\n\nChannel 0: even though it is a 75 percent loading, which means that it is a little bit more expensive, it's\n\nChannel 1: Yep.\n\nChannel 0: still only $363 for\n\nChannel 1: Yep.\n\nChannel 0: 7\n\nChannel 1: How\n\nChannel 0: 50.\n\nChannel 1: much?\n\nChannel 0: No. So it's it's pretty good. Now what they will do, kind of like I touched on last time, is they will request, most likely when you go through underwriting, a bit of a blood assessment\n\nChannel 1: Yep.\n\nChannel 0: just to check everything. We kind of expected that, but at least they've said that they are happy to look at that cover, which is great. So\n\nChannel 1: I think\n\nChannel 0: the\n\nChannel 1: it's\n\nChannel 0: only thing\n\nChannel 1: oh, I'm I've had a a hormone test and stuff, not one of their blood tests. I think that's on my record.\n\nChannel 0: oh, sorry. Was everything okay there?\n\nChannel 1: Yeah. Everything was okay. I thought they have access to my record, but I got\n\nChannel 0: They\n\nChannel 1: bad record.\n\nChannel 0: they\n\nChannel 1: Yeah.\n\nChannel 0: they will be able to, so they can't just access it without your permission. But\n\nChannel 1: Yep.\n\nChannel 0: during\n\nChannel 1: They can.\n\nChannel 0: the under yeah. During the\n\nChannel 1: Yep. I'm\n\nChannel 0: so with\n\nChannel 1: I'm happy for them to look at that\n\nChannel 0: it\n\nChannel 1: and\n\nChannel 0: beautiful.\n\nChannel 1: check it all out. Yep.\n\nChannel 0: Yeah. Great. So so what they'll do is when they go through underwriting is they will then request. So they could if you've already had them done, it's just gonna speed it up. So what they'll\n\nChannel 1: That's\n\nChannel 0: do\n\nChannel 1: not\n\nChannel 0: is\n\nChannel 1: long\n\nChannel 0: they\n\nChannel 1: ago\n\nChannel 0: will then\n\nChannel 1: at all. Probably about a month or so ago. That\n\nChannel 0: Yeah.\n\nChannel 1: was long.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: perfect. So that should all be up to date. So what the underwriters will do, so what one pass will do, they will just\n\nChannel 1: Yep.\n\nChannel 0: contact that doctor's office, request for\n\nChannel 1: Yep.\n\nChannel 0: those to be sent over to them. They'll review it, and if you had them done, it all looks good, then happy day.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: No\n\nChannel 0: it\n\nChannel 1: worries.\n\nChannel 0: is pretty straightforward. The only thing that is with having the two policies is that if you ever were\n\nChannel 1: Yep.\n\nChannel 0: through having to go on claim, you would just have to be through application. Now the good thing is it's with the same insurer, so it makes it nice and easy, and we are here to assist if that were to happen. So we would\n\nChannel 1: No\n\nChannel 0: obviously\n\nChannel 1: worries.\n\nChannel 0: assist with with all of that process. So pretty straightforward. Literally just increasing that life for you. Obviously, what it means is the total premium will be a little bit more because you're having 750,000\n\nChannel 1: I think,\n\nChannel 0: more\n\nChannel 1: like,\n\nChannel 0: of\n\nChannel 1: three\n\nChannel 0: cost.\n\nChannel 1: $103,100 dollars\n\nChannel 0: Yeah.\n\nChannel 1: more. Is it that's pretty cheap,\n\nChannel 0: Exact\n\nChannel 1: not much.\n\nChannel 0: exactly. So it is let me just tell you again. So it's $363.77. So not too much, which is\n\nChannel 1: No\n\nChannel 0: which\n\nChannel 1: worries.\n\nChannel 0: is really good. Otherwise, no changes to anything else. No changes to your superannuation. Everything else is doing good. Now do you have\n\nChannel 1: Alright.\n\nChannel 0: any questions for me, Adam? I know we've kind of touched on all of this before, so it is pretty straightforward.\n\nChannel 1: That's all good.\n\nChannel 0: No. It was all good. Perfect.\n\nChannel 1: I see adviser service fee, 2,301 part 550 is it? So one part is 553. Right? And adviser\n\nChannel 0: Yes.\n\nChannel 1: free is 2,000.\n\nChannel 0: Sorry. So the adviser fees are anything you pay. Now the the one part there is listed\n\nChannel 1: Yep.\n\nChannel 0: because we get commissions from insurance. So, obviously, you having more cover in place\n\nChannel 1: Yep.\n\nChannel 0: will mean we do get 22% of the premium ongoing, and we get 66 upfront.\n\nChannel 1: Yep.\n\nChannel 0: But that is one part paying us. So it's the insurer paying us for writing the\n\nChannel 1: Oh,\n\nChannel 0: policy\n\nChannel 1: so one\n\nChannel 0: for\n\nChannel 1: part\n\nChannel 0: you.\n\nChannel 1: pay you $2,000.\n\nChannel 0: Of course. They\n\nChannel 1: Dollars. Oh,\n\nChannel 0: pay their their 20 they pay their $553 ongoing.\n\nChannel 1: okay. Okay. That's\n\nChannel 0: Yes.\n\nChannel 1: alright. Pretty good. Yep.\n\nChannel 0: Yeah. So\n\nChannel 1: No.\n\nChannel 0: you don't\n\nChannel 1: No\n\nChannel 0: pay\n\nChannel 1: worries.\n\nChannel 0: it. They pay it. But for compliance, we have to disclose it so that you do understand that there will be a commission that Oakfield will receive for the insurances, but that is not you paying it. The only thing you pay is that\n\nChannel 1: Yep.\n\nChannel 0: advice to service fee, which is not changing. So, obviously,\n\nChannel 1: Yep.\n\nChannel 0: going through this process applying for for the cover, you are not paying any additional fees to do all of that. That is all part of that ongoing\n\nChannel 1: No worries.\n\nChannel 0: service.\n\nChannel 1: All good.\n\nChannel 0: Yep. So\n\nChannel 1: I just gotta\n\nChannel 0: any\n\nChannel 1: put\n\nChannel 0: questions?\n\nChannel 1: my thing into the I'm just just reading it. So it's one point was it live cover\n\nChannel 0: Yes.\n\nChannel 1: now is one point, was it? Nothing.\n\nChannel 0: It'll be one point one point five in total. So you already\n\nChannel 1: Yep.\n\nChannel 0: have $7.50, and we're\n\nChannel 1: Yep.\n\nChannel 0: applying for another $7.50. So you have one\n\nChannel 1: Now\n\nChannel 0: point\n\nChannel 1: right.\n\nChannel 0: five in\n\nChannel 1: Yep.\n\nChannel 0: total.\n\nChannel 1: Happy with that.\n\nChannel 0: Yep.\n\nChannel 1: All\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: So if you wanna add your little scribble there for me.\n\nChannel 1: I got the scribble. I'll just go next. That's\n\nChannel 0: Yes.\n\nChannel 1: right. You're right. Document.\n\nChannel 0: Yep.\n\nChannel 1: Yep. And\n\nChannel 0: You should\n\nChannel 1: that should\n\nChannel 0: say,\n\nChannel 1: be signed. Just wait.\n\nChannel 0: yeah,\n\nChannel 1: Just very\n\nChannel 0: it should\n\nChannel 1: quick\n\nChannel 0: say validate, I\n\nChannel 1: this\n\nChannel 0: think,\n\nChannel 1: there.\n\nChannel 0: and\n\nChannel 1: Should\n\nChannel 0: that's\n\nChannel 1: be\n\nChannel 0: when\n\nChannel 1: all\n\nChannel 0: it will\n\nChannel 1: signed\n\nChannel 0: send it\n\nChannel 1: up.\n\nChannel 0: through\n\nChannel 1: So I'm\n\nChannel 0: to\n\nChannel 1: just\n\nChannel 0: me.\n\nChannel 1: looking at it. Alright. 44\n\nChannel 0: Is it kind\n\nChannel 1: 27. Yep.\n\nChannel 0: of that's all loading on your end?\n\nChannel 1: Loading. Yep. I'm just checking every paper. Yep. All good.\n\nChannel 0: Yep. Now everything\n\nChannel 1: Signature.\n\nChannel 0: will be. Yep.\n\nChannel 1: Oh, date of dates.\n\nChannel 0: Yeah.\n\nChannel 1: I see\n\nChannel 0: Sometimes\n\nChannel 1: it there.\n\nChannel 0: it adds it automatically.\n\nChannel 1: Yep. I just had it. Yep. Checking it again. Oh, good.\n\nHow's your day anyway? Good? Another day?\n\nChannel 0: Yeah. Yeah. Another day, which is which is nice. It's\n\nChannel 1: Yep.\n\nChannel 0: a bit gray\n\nChannel 1: Yeah.\n\nChannel 0: up here as well.\n\nChannel 1: It goes it goes quick the time, doesn't it? Oh, no. It's\n\nChannel 0: Oh,\n\nChannel 1: Christmas.\n\nChannel 0: it I know. How is it almost July? It's crazy.\n\nChannel 1: Yeah. We get all very quick. Five years ago. Well, gee, five years ago, it's quick like the World Cup soccer. Four years ago, it's quick too.\n\nGreat.\n\nChannel 0: Oh, it's right. Are you are you watching that? Do\n\nChannel 1: Yeah.\n\nChannel 0: you watch\n\nChannel 1: I watched\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: workup?\n\nChannel 1: before. Germany. Yeah. They lost. They're out.\n\nChannel 0: I heard in penalty shootout too.\n\nChannel 1: Crazy. Yeah. Great. That's\n\nChannel 0: Yeah.\n\nChannel 1: crazy.\n\nChannel 0: Are you are you you watch most of the games? Are you watching the one on Saturday morning?\n\nChannel 1: Yep. I was just watching\n\nChannel 0: Yep.\n\nChannel 1: the Brazil. I said the holidays of Brazil, Japan. That was a good game. That's close.\n\nChannel 0: Yeah.\n\nChannel 1: Not much, you know?\n\nChannel 0: I'm very excited because I'm I don't know if I have told you, but I'm Swedish. Sorry.\n\nChannel 1: Are\n\nChannel 0: I'm\n\nChannel 1: you?\n\nChannel 0: very yeah. Sorry. If you do have a bit of an accent, that's why. I've been in Australia for a while, though.\n\nChannel 1: That was\n\nChannel 0: But yeah.\n\nChannel 1: that was really unbelievable.\n\nChannel 0: Yes.\n\nChannel 1: We're\n\nChannel 0: But tomorrow\n\nChannel 1: good to go\n\nChannel 0: morning\n\nChannel 1: to the big event like that. But the m\n\nChannel 0: yeah.\n\nChannel 1: MCG or something would be great. Like, the\n\nChannel 0: Oh,\n\nChannel 1: same\n\nChannel 0: so\n\nChannel 1: thing.\n\nChannel 0: good.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: started working.\n\nChannel 0: So to yeah.\n\nChannel 1: That'd be\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: tomorrow morning, I'm very excited because Sweden plays France. It will be very tough, though. I don't think\n\nChannel 1: Oh, yeah.\n\nChannel 0: they'll have much chance, but\n\nChannel 1: Yeah.\n\nChannel 0: we'll\n\nChannel 1: I\n\nChannel 0: we'll\n\nChannel 1: reckon\n\nChannel 0: see.\n\nChannel 1: I can I just changed a win for me, but that's messy because messy is so good? You know?\n\nChannel 0: Yeah. Yeah. That's\n\nChannel 1: That is\n\nChannel 0: that's\n\nChannel 1: the\n\nChannel 0: what\n\nChannel 1: best.\n\nChannel 0: it's either it's either France or Argentina, isn't it?\n\nChannel 1: So yeah. He's yeah.\n\nChannel 0: We'll\n\nChannel 1: For\n\nChannel 0: see.\n\nChannel 1: his age, he's going very well.\n\nChannel 0: Very well. And he scored, like the first two games, he was the only one who scored five goals, which is crazy.\n\nChannel 1: Most most girls and I woke up or something\n\nChannel 0: Yeah. I\n\nChannel 1: tomorrow.\n\nChannel 0: heard that, which is, yeah, pretty\n\nChannel 1: So it's\n\nChannel 0: crazy.\n\nChannel 1: it's a it's a it's a fridge. It's a freak.\n\nChannel 0: Yeah. Very good.\n\nChannel 1: It's a number one. So they yeah. They're\n\nChannel 0: Yes.\n\nChannel 1: like I I think\n\nChannel 0: There's\n\nChannel 1: I signed it. We will get so yep.\n\nChannel 0: does it\n\nChannel 1: You\n\nChannel 0: say\n\nChannel 1: will\n\nChannel 0: because\n\nChannel 1: get\n\nChannel 0: it hasn't come through to me yet. Does it still say validate or anything?\n\nChannel 1: will you get you will get the sign document by email. So\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: I'll just\n\nChannel 1: So\n\nChannel 0: keep\n\nChannel 1: that's\n\nChannel 0: a lookout on it.\n\nChannel 1: yep.\n\nChannel 0: Sometimes it's a bit slower when it could come through. But what I will do, Adam, is I know you're very keen on getting this sorted ASAP.\n\nChannel 1: Yep.\n\nChannel 0: So what I have lined up, if you have another couple of minutes, I have Jack ready to go to just go through that insurance application with you now so we can submit\n\nChannel 1: Yep.\n\nChannel 0: that and get it all sorted for you. If you're happy with that?\n\nChannel 1: Yeah. I'm happy with that.\n\nChannel 0: Yep.\n\nChannel 1: All good.\n\nChannel 0: Alright. Perfect. So\n\nChannel 1: Thanks.\n\nChannel 0: Jack will go through that application with one path to apply for the life insurance,\n\nChannel 1: Yep.\n\nChannel 0: and he will kind of keep you up to date with the underwriting and what happens, and he will let me know as well. And then, hopefully, we hopefully, we can get all of this sorted for you as soon as possible.\n\nChannel 1: No worries. Thank you very much\n\nChannel 0: Yeah.\n\nChannel 1: for that.\n\nChannel 0: No problem. Hopefully, everything goes well\n\nChannel 1: Yes.\n\nChannel 0: with the game on Saturday morning as well.\n\nChannel 1: I I I hopefully for sure I get through. We're happy for\n\nChannel 0: Yes.\n\nChannel 1: Australia, hopefully.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. I don't know. Fingers crossed.\n\nChannel 0: Now if there's anything that you need at any point, though, Adam, don't hesitate to give me a call. Okay?\n\nChannel 1: Yeah. Oh, yeah. It was been yeah. I just looked at everything. It's all good.\n\nThanks for\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: No\n\nChannel 1: All\n\nChannel 0: no\n\nChannel 1: good.\n\nChannel 0: problem. So I will just transfer you over to Jack. Just give me two minutes.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Okay.\n\nChannel 1: Have\n\nChannel 0: Thanks,\n\nChannel 1: a good day.\n\nChannel 0: Adam. You\n\nChannel 1: No worries.\n\nChannel 0: too.\n\nChannel 1: Bye bye. See you soon. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Adam.","start":2.24,"end":3.12,"sentiment":"neutral","sentiment_score":0.24363631010055542},{"text":"This is Veronica.","start":3.12,"end":4.1,"sentiment":"neutral","sentiment_score":0.19118009507656097},{"text":"How are you?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.16555160284042358}],"sentiment":"neutral","sentiment_score":0.20012266933918,"channel":0,"num_words":9,"start":2.24,"end":4.98},{"sentences":[{"text":"Hello.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.09910841286182404},{"text":"How are 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apply for the life insurance,","start":650.445,"end":654.945,"sentiment":"neutral","sentiment_score":0.2812927484512329}],"sentiment":"neutral","sentiment_score":0.2812927484512329,"channel":0,"num_words":15,"start":650.445,"end":654.945},{"sentences":[{"text":"Yep.","start":655.71,"end":656.21,"sentiment":"neutral","sentiment_score":0.2277643382549286}],"sentiment":"neutral","sentiment_score":0.2277643382549286,"channel":1,"num_words":1,"start":655.71,"end":656.21},{"sentences":[{"text":"and he will kind of keep you up to date with the underwriting and what happens, and he will let me know as well.","start":655.965,"end":661.34503,"sentiment":"neutral","sentiment_score":0.24095534098645052},{"text":"And then, hopefully, we hopefully, we can get all of this sorted for you as soon as 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well.","start":669.14,"end":671.32,"sentiment":"neutral","sentiment_score":0.19899988360702991}],"sentiment":"neutral","sentiment_score":0.19899988360702991,"channel":0,"num_words":8,"start":669.14,"end":671.32},{"sentences":[{"text":"I I I hopefully for sure I get through.","start":670.84503,"end":673.325,"sentiment":"neutral","sentiment_score":0.15542132490211064},{"text":"We're happy for","start":673.325,"end":674.045,"sentiment":"neutral","sentiment_score":0.3305395245552063}],"sentiment":"neutral","sentiment_score":0.19920087481538454,"channel":1,"num_words":12,"start":670.84503,"end":674.045},{"sentences":[{"text":"Yes.","start":674.005,"end":674.505,"sentiment":"neutral","sentiment_score":0.22478041052818296}],"sentiment":"neutral","sentiment_score":0.22478041052818296,"channel":0,"num_words":1,"start":674.005,"end":674.505},{"sentences":[{"text":"Australia, hopefully.","start":674.045,"end":674.945,"sentiment":"neutral","sentiment_score":0.17541857063770294}],"sentiment":"neutral","sentiment_score":0.17541857063770294,"channel":1,"num_words":2,"start":674.045,"end":674.945},{"sentences":[{"text":"Yes.","start":675.925,"end":676.425,"sentiment":"neutral","sentiment_score":0.04722268879413605}],"sentiment":"neutral","sentiment_score":0.04722268879413605,"channel":0,"num_words":1,"start":675.925,"end":676.425},{"sentences":[{"text":"Yeah.","start":676.045,"end":676.525,"sentiment":"neutral","sentiment_score":0.02643604576587677},{"text":"I don't know.","start":676.525,"end":677.505,"sentiment":"neutral","sentiment_score":-0.00761454210927089},{"text":"Fingers crossed.","start":677.645,"end":678.545,"sentiment":"neutral","sentiment_score":0.01911993697285652}],"sentiment":"neutral","sentiment_score":0.00697204889729619,"channel":1,"num_words":6,"start":676.045,"end":678.545},{"sentences":[{"text":"Now if there's anything that you need at any point, though, Adam, don't hesitate to give me a call.","start":679.125,"end":683.285,"sentiment":"neutral","sentiment_score":0.05911882143271597},{"text":"Okay?","start":683.285,"end":683.785,"sentiment":"neutral","sentiment_score":0.05835338681936264}],"sentiment":"neutral","sentiment_score":0.059080549702048304,"channel":0,"num_words":20,"start":679.125,"end":683.785},{"sentences":[{"text":"Yeah.","start":684.12994,"end":684.62994,"sentiment":"neutral","sentiment_score":0.07906371355056763},{"text":"Oh, yeah.","start":686.44995,"end":686.68994,"sentiment":"neutral","sentiment_score":0.13381265848875046},{"text":"It was been yeah.","start":686.68994,"end":687.32996,"sentiment":"neutral","sentiment_score":0.16854004934430122},{"text":"I just looked at everything.","start":687.32996,"end":688.12994,"sentiment":"neutral","sentiment_score":0.23499640822410583},{"text":"It's all 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I will just transfer you over to Jack.","start":691.14,"end":692.98,"sentiment":"neutral","sentiment_score":0.005482992364300622},{"text":"Just give me two minutes.","start":692.98,"end":694.2,"sentiment":"neutral","sentiment_score":0.02097618281841278}],"sentiment":"neutral","sentiment_score":-0.003367451330025991,"channel":0,"num_words":15,"start":690.74,"end":694.2},{"sentences":[{"text":"No worries.","start":694.64496,"end":695.125,"sentiment":"neutral","sentiment_score":0.12047330290079117},{"text":"Thank 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day.","start":696.165,"end":696.90497,"sentiment":"positive","sentiment_score":0.6619087060292562}],"sentiment":"positive","sentiment_score":0.6619087060292562,"channel":1,"num_words":3,"start":696.165,"end":696.90497},{"sentences":[{"text":"Adam.","start":696.5,"end":697.0,"sentiment":"neutral","sentiment_score":0.2651275396347046},{"text":"You","start":697.22,"end":697.46,"sentiment":"neutral","sentiment_score":0.1694391965866089}],"sentiment":"neutral","sentiment_score":0.21728336811065674,"channel":0,"num_words":2,"start":696.5,"end":697.46},{"sentences":[{"text":"No worries.","start":697.285,"end":697.845,"sentiment":"neutral","sentiment_score":0.13310759514570236}],"sentiment":"neutral","sentiment_score":0.13310759514570236,"channel":1,"num_words":2,"start":697.285,"end":697.845},{"sentences":[{"text":"too.","start":697.46,"end":697.96,"sentiment":"neutral","sentiment_score":0.19371017813682556}],"sentiment":"neutral","sentiment_score":0.19371017813682556,"channel":0,"num_words":1,"start":697.46,"end":697.96},{"sentences":[{"text":"Bye bye.","start":697.845,"end":698.32495,"sentiment":"neutral","sentiment_score":0.19537198543548584},{"text":"See you soon.","start":698.32495,"end":699.06494,"sentiment":"positive","sentiment_score":0.34615422288576764},{"text":"Bye.","start":699.125,"end":699.625,"sentiment":"neutral","sentiment_score":0.1577402949333191}],"sentiment":"neutral","sentiment_score":0.26449115574359894,"channel":1,"num_words":6,"start":697.845,"end":699.625},{"sentences":[{"text":"Bye.","start":701.695,"end":702.195,"sentiment":"neutral","sentiment_score":-0.12233196943998335}],"sentiment":"neutral","sentiment_score":-0.12233196943998335,"channel":0,"num_words":1,"start":701.695,"end":702.195}]},"summary":{"result":"success","short":"An insurance representative recommends a pop-up cover to increase premiums to Adam, who will receive a commission for insuring their policy. The insurance company will pay for the premium and the total will increase. The customer is instructed to complete their insurance application and call back if they need further assistance. The representative also explains the process for obtaining insurance and the customer's upcoming appointment."},"intents":{"segments":[{"text":"My colleague have just sent you an email with the recommendation, So that Yep. should be your inbox. Now it could end up in the spam folder as well. Yep.","start_word":157,"end_word":186,"intents":[{"intent":"Check email for recommendation","confidence_score":0.000119554876}]},{"text":"The only thing that is with having the two policies is that if you ever were Yep. through having to go on claim, you would just have to be through application.","start_word":940,"end_word":970,"intents":[{"intent":"Review quote policies","confidence_score":4.1200522e-8}]},{"text":"Literally just increasing that life for you. Obviously, what it means is the total premium will be a little bit more because you're having 750,000 I think, more like, of three cost. $103,100 dollars Yeah.","start_word":1015,"end_word":1049,"intents":[{"intent":"Improve insurance coverage","confidence_score":0.00047426502}]},{"text":"going through this process applying for for the cover, you are not paying any additional fees to do all of that. That is all part of that ongoing No worries.","start_word":1318,"end_word":1347,"intents":[{"intent":"Apply for cover","confidence_score":0.23391095}]},{"text":"So if you wanna add your little scribble there for me.","start_word":1424,"end_word":1434,"intents":[{"intent":"Add scribble","confidence_score":0.7812964}]},{"text":"Document. Yep. Yep. And You should that should say, be signed. Just wait. yeah, Just very it should quick say validate, I this think, there. and Should that's be when all it will signed send it up.","start_word":1448,"end_word":1484,"intents":[{"intent":"Verify document","confidence_score":0.09130285}]},{"text":"I'm just checking every paper. Yep.","start_word":1510,"end_word":1515,"intents":[{"intent":"Check paper","confidence_score":0.3746247}]},{"text":"Oh, date of dates. Yeah.","start_word":1525,"end_word":1529,"intents":[{"intent":"Add date of dates","confidence_score":0.31501383}]},{"text":"Are you are you you watch most of the games? Are you watching the one on Saturday morning? Yep. I was just watching Yep. the Brazil. I said the holidays of Brazil, Japan. That was a good game. That's close. Yeah.","start_word":1665,"end_word":1705,"intents":[{"intent":"Analyze game expectations","confidence_score":0.000031064104}]}]},"sentiments":{"segments":[{"text":"Good morning, Adam. This is Veronica. How are you? Hello. How are you? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1733962893486023},{"text":"Good. Thanks.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.43378621339797974},{"text":"How are you?","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.26714563369750977},{"text":"Good. Good.","start_word":19,"end_word":20,"sentiment":"positive","sentiment_score":0.33918797969818115},{"text":"Have a day? Yeah. How's your morning? Alright.","start_word":21,"end_word":28,"sentiment":"neutral","sentiment_score":0.1791534423828125},{"text":"It's been fantastic.","start_word":29,"end_word":31,"sentiment":"positive","sentiment_score":0.581828236579895},{"text":"It's been a bit cool, but I went to the gym, but I'm training and cool and miserable, but I went to the gym and don't wanna go That's do good. it. Two Yeah. hours on the treadmill and Oh, yeah. wow. That's alright. Two hours. Yeah. Well, Yeah. Six that 16 consistency's 100 calories.","start_word":32,"end_word":86,"sentiment":"neutral","sentiment_score":0.04803233966231346},{"text":"good. I like it.","start_word":87,"end_word":90,"sentiment":"positive","sentiment_score":0.39282000064849854},{"text":"Yeah. Oh, That's going yeah. uphill. Nice. Yeah. It's Oh, normal that's for good, me. though. Yeah. I feel much better for Yeah. it.","start_word":91,"end_word":114,"sentiment":"neutral","sentiment_score":0.10124685615301132},{"text":"Oh, beautiful.","start_word":115,"end_word":116,"sentiment":"positive","sentiment_score":0.375329852104187},{"text":"Now, Adam, today is pretty straightforward from myself just Yeah. in regards to that increase in your life insurance. Yep. Now do you have access to your emails at the moment, Anna? Yes. I I have. Yeah. That's beautiful. Sorry. My colleague have just sent you an email with the recommendation, So that Yep. should be your inbox. Now it could end up in the spam folder as well. Yep. Yep. I Can have you a look see that today. one okay? Yep. It's pretty Yep. good. Yep. So if you can click on the link for me where it says sign now, it should Yep. then open up the recommendation. So can you see the cover page process statement of advice Yep. prepared for Just yourself? one second. Yep. Let's have a look. Yep. Just let me know when you check data. Oh, yep. Yeah. You can see the the Yep. cover page? I have Yeah. it. I have it. I have it. I have it. I have it. I have it. I have it. What my insurance is? Okay. Yeah. I signed So document. it yep. Yep.","start_word":117,"end_word":305,"sentiment":"neutral","sentiment_score":0.030307848006486893},{"text":"So it is pretty straightforward.","start_word":306,"end_word":310,"sentiment":"positive","sentiment_score":0.5158876180648804},{"text":"I just wanna quickly run through the premium with you just Yep. to make sure.","start_word":311,"end_word":325,"sentiment":"neutral","sentiment_score":0.29166463017463684},{"text":"It is pretty similar to what I told you last time on the phone. So it is very straightforward.","start_word":326,"end_word":344,"sentiment":"positive","sentiment_score":0.4286707043647766},{"text":"Yep. The the statement of advice, it is more so just just to make sure you fully understand everything, but a lot of it we have already touched on. Yep. So, basically, what we are looking at doing is just increasing your life so that in total, you have that 1,500,000. And Yep. then when we can, later, we'll assess if we can increase your TCD later as well. But at least Yep. for now, we can increase that life.","start_word":345,"end_word":424,"sentiment":"neutral","sentiment_score":0.18622145056724548},{"text":"I'm Now happy.","start_word":425,"end_word":427,"sentiment":"positive","sentiment_score":0.4979550242424011},{"text":"what Yep. that look what that looks like is, what I have recommended is that we actually keep your current cover in place and apply Yep. for a pop up cover. The reason I wanted to do that instead of increasing your current one is that on your current policy, you do have a little bit more favorable terms in terms of loading, so it would be a little bit cheaper. So, essentially, it means you have two policies. You'll have your current one, Yep. which Yep. is $7.50 worth of life and KPD. Premium Yep. stays at that 1,774, which is that discounted after the smokers rate. Yep. And then we're just applying for a top up of Yep. $7.","start_word":428,"end_word":548,"sentiment":"neutral","sentiment_score":0.2262585461139679},{"text":"50, again, with one part to make it nice and easy. They were the most favorable when it comes to the underwriting process.","start_word":548,"end_word":570,"sentiment":"positive","sentiment_score":0.38031119108200073},{"text":"Now like I told you last time, though, they will apply a bit of that loading, which means Yep. they are increasing the price a little bit just obviously due to health. It's still pretty affordable, though. So after How's it going the up the much? Is no. It's actually been really good. So it? even though it is a 75 percent loading, which means that it is a little bit more expensive, it's Yep. still only $363 for Yep. 7 How 50. much? No.","start_word":571,"end_word":655,"sentiment":"neutral","sentiment_score":0.11037863790988922},{"text":"So it's it's pretty good.","start_word":656,"end_word":660,"sentiment":"positive","sentiment_score":0.825689435005188},{"text":"Now what they will do, kind of like I touched on last time, is they will request, most likely when you go through underwriting, a bit of a blood assessment Yep. just to check everything.","start_word":661,"end_word":695,"sentiment":"neutral","sentiment_score":0.13376924395561218},{"text":"We kind of expected that, but at least they've said that they are happy to look at that cover, which is great.","start_word":696,"end_word":717,"sentiment":"positive","sentiment_score":0.4802730679512024},{"text":"So I think the it's only thing oh, I'm I've had a a hormone test and stuff, not one of their blood tests. I think that's on my record. oh, sorry. Was everything okay there? Yeah. Everything was okay. I thought they have access to my record, but I got They bad record. they Yeah. they will be able to, so they can't just access it without your permission. But Yep. during They can. the under yeah. During the Yep.","start_word":718,"end_word":797,"sentiment":"neutral","sentiment_score":0.05503972247242928},{"text":"I'm so with I'm happy for them to look at that it and beautiful. check it all out.","start_word":798,"end_word":815,"sentiment":"positive","sentiment_score":0.5893623232841492},{"text":"Yep. Yeah.","start_word":816,"end_word":817,"sentiment":"neutral","sentiment_score":0.229684978723526},{"text":"Great.","start_word":818,"end_word":818,"sentiment":"positive","sentiment_score":0.48210209608078},{"text":"So so what they'll do is when they go through underwriting is they will then request. So they could if you've already had them done, it's just gonna speed it up. So what they'll That's do not is long they ago will then at all. Probably about a month or so ago. That Yeah. was long. Oh, Yeah.","start_word":819,"end_word":876,"sentiment":"neutral","sentiment_score":0.10119519382715224},{"text":"perfect.","start_word":877,"end_word":877,"sentiment":"positive","sentiment_score":0.4097858667373657},{"text":"So that should all be up to date. So what the underwriters will do, so what one pass will do, they will just Yep. contact that doctor's office, request for Yep. those to be sent over to them.","start_word":878,"end_word":915,"sentiment":"neutral","sentiment_score":0.18174895644187927},{"text":"They'll review it, and if you had them done, it all looks good, then happy day.","start_word":916,"end_word":931,"sentiment":"positive","sentiment_score":0.4098028242588043},{"text":"Yep. So No it worries. is pretty straightforward. The only thing that is with having the two policies is that if you ever were Yep. through having to go on claim, you would just have to be through application.","start_word":932,"end_word":970,"sentiment":"neutral","sentiment_score":0.1134924814105034},{"text":"Now the good thing is it's with the same insurer, so it makes it nice and easy, and we are here to assist if that were to happen.","start_word":971,"end_word":998,"sentiment":"positive","sentiment_score":0.5868735909461975},{"text":"So we would obviously No worries.","start_word":999,"end_word":1004,"sentiment":"neutral","sentiment_score":0.19394008815288544},{"text":"assist with with all of that process. So pretty straightforward. Literally just increasing that life for you.","start_word":1005,"end_word":1021,"sentiment":"positive","sentiment_score":0.38519614934921265},{"text":"Obviously, what it means is the total premium will be a little bit more because you're having 750,000 I think, more like, of three cost. $103,100 dollars Yeah. more. Is it that's pretty cheap, Exact not much. exactly. So it is let me just tell you again. So it's $363.77. So not too much, which is No which worries.","start_word":1022,"end_word":1080,"sentiment":"neutral","sentiment_score":0.07108797132968903},{"text":"is really good.","start_word":1081,"end_word":1083,"sentiment":"positive","sentiment_score":0.4421205520629883},{"text":"Otherwise, no changes to anything else. No changes to your superannuation.","start_word":1084,"end_word":1094,"sentiment":"neutral","sentiment_score":0.27724489569664},{"text":"Everything else is doing good.","start_word":1095,"end_word":1099,"sentiment":"positive","sentiment_score":0.6199362277984619},{"text":"Now do you have Alright. any questions for me, Adam? I know we've kind of touched on all of this before, so it is pretty straightforward.","start_word":1100,"end_word":1125,"sentiment":"neutral","sentiment_score":0.17172707617282867},{"text":"That's all good.","start_word":1126,"end_word":1128,"sentiment":"positive","sentiment_score":0.5104309916496277},{"text":"No. It was all good. Perfect. I see adviser service fee, 2,301 part 550 is it? So one part is 553. Right? And adviser Yes. free is 2,000. Sorry. So the adviser fees are anything you pay. Now the the one part there is listed Yep. because we get commissions from insurance. So, obviously, you having more cover in place Yep. will mean we do get 22% of the premium ongoing, and we get 66 upfront. Yep. But that is one part paying us. So it's the insurer paying us for writing the Oh, policy so one for part you. pay you $2,000. Of course. They Dollars. Oh, pay their their 20 they pay their $553 ongoing. okay. Okay. That's Yes. alright.","start_word":1129,"end_word":1250,"sentiment":"neutral","sentiment_score":0.05575655400753021},{"text":"Pretty good.","start_word":1251,"end_word":1252,"sentiment":"positive","sentiment_score":0.38824909925460815},{"text":"Yep. Yeah. So No. you don't No pay worries. it. They pay it. But for compliance, we have to disclose it so that you do understand that there will be a commission that Oakfield will receive for the insurances, but that is not you paying it. The only thing you pay is that Yep. advice to service fee, which is not changing. So, obviously, Yep. going through this process applying for for the cover, you are not paying any additional fees to do all of that. That is all part of that ongoing No worries. service.","start_word":1253,"end_word":1348,"sentiment":"neutral","sentiment_score":0.04900351888500154},{"text":"All good.","start_word":1349,"end_word":1350,"sentiment":"positive","sentiment_score":0.5119237899780273},{"text":"Yep. So I just gotta any put questions? my thing into the I'm just just reading it. So it's one point was it live cover Yes. now is one point, was it? Nothing. It'll be one point one point five in total. So you already Yep. have $7.50, and we're Yep. applying for another $7.50. So you have one Now point right. five in Yep. total.","start_word":1351,"end_word":1416,"sentiment":"neutral","sentiment_score":0.031246472150087357},{"text":"Happy with that.","start_word":1417,"end_word":1419,"sentiment":"positive","sentiment_score":0.5736411809921265},{"text":"Yep.","start_word":1420,"end_word":1420,"sentiment":"neutral","sentiment_score":0.32240796089172363},{"text":"All Perfect. good.","start_word":1421,"end_word":1423,"sentiment":"positive","sentiment_score":0.6066371202468872},{"text":"So if you wanna add your little scribble there for me. I got the scribble. I'll just go next. That's Yes. right. You're right. Document. Yep. Yep. And You should that should say, be signed. Just wait. yeah, Just very it should quick say validate, I this think, there. and Should that's be when all it will signed send it up. through So I'm to just me. looking at it. Alright. 44 Is it kind 27. Yep. of that's all loading on your end? Loading. Yep. I'm just checking every paper. Yep. All good. Yep. Now everything Signature. will be. Yep. Oh, date of dates. Yeah. I see Sometimes it there. it adds it automatically. Yep. I just had it. Yep. Checking it again. Oh, good. How's your day anyway? Good? Another day? Yeah. Yeah. Another day, which is which is nice. It's Yep. a bit gray Yeah. up here as well. It goes it goes quick the time, doesn't it? Oh, no. It's Oh, Christmas. it I know. How is it almost July? It's crazy. Yeah. We get all very quick. Five years ago. Well, gee, five years ago, it's quick like the World Cup soccer. Four years ago, it's quick too.","start_word":1424,"end_word":1626,"sentiment":"neutral","sentiment_score":0.06072105221413626},{"text":"Great.","start_word":1627,"end_word":1627,"sentiment":"positive","sentiment_score":0.531392514705658},{"text":"Oh, it's right. Are you are you watching that? Do Yeah. you watch I watched the it workup? before. Germany. Yeah. They lost. They're out. I heard in penalty shootout too. Crazy. Yeah.","start_word":1628,"end_word":1660,"sentiment":"neutral","sentiment_score":0.04801391810178757},{"text":"Great.","start_word":1661,"end_word":1661,"sentiment":"positive","sentiment_score":0.3717319667339325},{"text":"That's Yeah. crazy. Are you are you you watch most of the games? Are you watching the one on Saturday morning? Yep. I was just watching Yep. the Brazil. I said the holidays of Brazil, Japan.","start_word":1662,"end_word":1697,"sentiment":"neutral","sentiment_score":0.0779319554567337},{"text":"That was a good game.","start_word":1698,"end_word":1702,"sentiment":"positive","sentiment_score":0.5466344952583313},{"text":"That's close. Yeah. Not much, you know? I'm very excited because I'm I don't know if I have told you, but I'm Swedish. Sorry. Are I'm you? very yeah. Sorry. If you do have a bit of an accent, that's why. I've been in Australia for a while, though. That was But yeah. that was really unbelievable. Yes. We're But tomorrow good to go morning to the big event like that. But the m yeah. MCG or something would be great. Like, Oh, the same so good. thing. I Yeah. started So working. to yeah. That'd So be good. tomorrow morning, I'm very excited because Sweden plays France. It will be very tough, though. I don't think Oh, they'll yeah. have much chance, but Yeah. we'll I we'll reckon see. I can I just changed a win for me, but that's messy because messy is so good? You know? Yeah. Yeah. That's That is that's the what best. it's either it's either France or Argentina, isn't it? So yeah. He's yeah. We'll For see. his age, he's going very well.","start_word":1703,"end_word":1882,"sentiment":"neutral","sentiment_score":0.05012856796383858},{"text":"Very well.","start_word":1883,"end_word":1884,"sentiment":"positive","sentiment_score":0.34498438239097595},{"text":"And he scored, like the first two games, he was the only one who scored five goals, which is crazy. Most most girls and I woke up or something Yeah. I tomorrow. heard that, which is, yeah, pretty So it's crazy. it's a it's a it's a fridge.","start_word":1885,"end_word":1932,"sentiment":"neutral","sentiment_score":0.015599394217133522},{"text":"It's a freak.","start_word":1933,"end_word":1935,"sentiment":"negative","sentiment_score":-0.3841446340084076},{"text":"Yeah.","start_word":1936,"end_word":1936,"sentiment":"neutral","sentiment_score":0.1551787406206131},{"text":"Very good.","start_word":1937,"end_word":1938,"sentiment":"positive","sentiment_score":0.5026222467422485},{"text":"It's a number one. So they yeah. They're Yes. like I I think There's I signed it. We will get so yep. does it You say will because get it hasn't come through to me yet. Does it still say validate or anything? will you get you will get the sign document by email. So Okay. yeah. I'll just So keep that's a lookout on it. yep. Sometimes it's a bit slower when it could come through. But what I will do, Adam, is I know you're very keen on getting this sorted ASAP. Yep. So what I have lined up, if you have another couple of minutes, I have Jack ready to go to just go through that insurance application with you now so we can submit Yep. that and get it all sorted for you. If you're happy with that? Yeah.","start_word":1939,"end_word":2081,"sentiment":"neutral","sentiment_score":0.06046777591109276},{"text":"I'm happy with that.","start_word":2082,"end_word":2085,"sentiment":"positive","sentiment_score":0.4153607487678528},{"text":"Yep.","start_word":2086,"end_word":2086,"sentiment":"neutral","sentiment_score":0.2958109378814697},{"text":"All good. Alright. Perfect. So Thanks.","start_word":2087,"end_word":2092,"sentiment":"positive","sentiment_score":0.4499363601207733},{"text":"Jack will go through that application with one path to apply for the life insurance, Yep. and he will kind of keep you up to date with the underwriting and what happens, and he will let me know as well. And then, hopefully, we hopefully, we can get all of this sorted for you as soon as possible. No worries. Thank you very much Yeah. for that. No problem. Hopefully, everything goes well Yes. with the game on Saturday morning as well. I I I hopefully for sure I get through. We're happy for Yes. Australia, hopefully. Yes. Yeah. I don't know. Fingers crossed. Now if there's anything that you need at any point, though, Adam, don't hesitate to give me a call. Okay? Yeah. Oh, yeah. It was been yeah. I just looked at everything.","start_word":2093,"end_word":2228,"sentiment":"neutral","sentiment_score":0.1790616363286972},{"text":"It's all good. Thanks for Yep.","start_word":2229,"end_word":2234,"sentiment":"positive","sentiment_score":0.46425825357437134},{"text":"that.","start_word":2235,"end_word":2235,"sentiment":"neutral","sentiment_score":0.25648176670074463},{"text":"No All no good.","start_word":2236,"end_word":2239,"sentiment":"negative","sentiment_score":-0.6110774874687195},{"text":"problem. So I will just transfer you over to Jack. Just give me two minutes. No worries.","start_word":2240,"end_word":2256,"sentiment":"neutral","sentiment_score":0.007292923517525196},{"text":"Thank you.","start_word":2257,"end_word":2258,"sentiment":"positive","sentiment_score":0.5309709310531616},{"text":"Okay.","start_word":2259,"end_word":2259,"sentiment":"neutral","sentiment_score":0.2866056561470032},{"text":"Have Thanks, a good day.","start_word":2260,"end_word":2264,"sentiment":"positive","sentiment_score":0.6552708148956299},{"text":"Adam. You No worries. too. Bye bye. See you soon. Bye. Bye.","start_word":2265,"end_word":2276,"sentiment":"neutral","sentiment_score":0.1986888200044632}],"average":{"sentiment":"neutral","sentiment_score":0.12590522234689677}}}}