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Do you have a couple of minutes for me? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, I do have a password on file. Do you know where that might be? Yep. Beautiful. That's exactly what I have here. How's your day been so far? Been busy? That sounds nice. Well, I yeah. No. I get that. And now like I said, Kyle, it is pretty straightforward. I know we've kind of already been speaking about this. Last time we spoke, we were going back to Neos to see if they were revisiting any of your insurances now with the new levels and everything to see if we could push that through or whether we had to retain your Australian Super. Do you remember that conversation? Yep. Perfect. And Neos have received some new medical reports from the doctor that does show that there is still a bit of a elevation in the liver function. So because it is still a bit higher than, like, the normal range, they have said that for the time being, they can't offer cover until it's back within the normal range. It was kind of what we were expecting, but it was worth trying anyway in case we could get it through. So, basically, what I have done just to show you what it would look like is I have to send you an email with the SOA, so with the strategy. Do you have access to your emails at the moment or not really right now? That's okay. If you are happy to do so. Yes. Can you hear me? Yeah. Perfect. So it should ask you to click on a link, which is, like, a request signature or sign now, something like that. Yeah. So if you can click on that for me, it will allow you to open it up first before prompting you to sign anything. Yep. Now there is not much change because we have kind of implemented everything from the last conversation. The only change from this document through the the last one we went through is that we are now keeping about 15,000 Australian super for you temporarily just for your insurances. So if you can scroll down to for me, because a lot of it, we have kind of gone through already. But if you can scroll through to page 12, you should have a superannuation projection. Yeah. Can you see a little table there? Yeah. Perfect. So you can basically see here that there is no changes to current and recommended. It's exactly the same. This is just putting it in in this document for you to show you that we are retaining about that 14,962, which is what you have in Australian Super at the moment. And the only reason we are doing that is to keep your insurances active for the time being. As soon as your liver functions do go down to normal range, we can revisit everything for you. But in the meantime, I don't wanna leave you uninsured. So I wanna make sure you have some cover in place for the time being. Now we're not changing your risk profile facing growth, not changing any of your investments. We kind of went through all of that earlier in February. So not changing any of that. Literally just showing you that you have documented as well that for the time being, we are retaining a little bit in our super. Now I did still do research on it to make sure that was still going to be the best option for you or if we could potentially fully consolidate our super or what the goal was. And Hub twenty four, because it allows so much more flexibility with investment, It just wasn't going to put you in as good of a position than having the way that it is now. So having majority of the fund in hub twenty four because that's what's going to grow and give you the most amount of growth for retirement and literally only keeping a minimal amount in or super just to keep those insurances active. Does that make sense? And do you kind of remember that conversation? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Is there anything that doctor says or can do to bring it down at all? Okay. Okay. Of June? Yeah. Okay. And, yeah, hopefully, it will. If not, the way because I did check with other insurers at the moment. And because it is still high, they just won't offer anything else. And at least, yes, it will be a little bit underinsured because we were looking at about 500,000 for life and TPD. And income protection, we were looking about 6,650 and then a little bit of trauma as well. And, yeah, at the moment, based on the reports and everything, we we wouldn't was not able to get that. You still have cover in place, though. It's not as much as we initially wanted. We wanted to get you a bit more. But if something were to happen, you still have a 174,000 worth of life. There's also a 122,000 worth of total permanent disability, and there is also that income protection. The income protection is about 3,000 a month. So, obviously, a little bit less than we were looking at, but it's still a lot better than anything. And looking at, yeah, other covers, the the retail cover wasn't available. And what you have with our super is competitive to, like, other group cover. And if you were to look at other group cover as well, a lot of them would, also sometimes preexclude existing conditions for a few years, which we don't want. Because if something were to happen, we wanna make sure you have the most comprehensive option available for you based on your situation right now. So I know it wasn't ideally, we were hoping to get everything consolidated for you, but at least this way, you still have some cover, though. If something ever were to happen, you still have majority of your money in hub twenty four. That's gonna give you the most amount of growth, and we've already reviewed your investment. Do you have a question? Mhmm. Correct. Correct. We wanna keep it in Australian Super to to keep those insurances active. But what we will do is what we did in February. So next time we catch up for you and review as well, we will look at the balance. And if it's still the best for you at the time as well, we will just do, like, partial rollovers. So we will continue to move money from our super as long as it's still the best into hub twenty four because I don't want Australian super to get through, you know, '20 or 30 if it's not gonna give you the same amount of growth as hub twenty four. We wanna make sure we have the most amount in hub twenty four. But, yeah, keeping contributions there, it just means that those insurances will stay active, and we won't risk them lasting or anything like that, which we don't want. So that's a very good question, though. Do you have any other questions for me there, Kyle? No. Yeah. Yeah. And I did research a lot of different options. And right now, the best option is to keep AustralianSuper and keep those insurances. That's not to say that that's always going to be the case. I know you said, you know, their liver value might not ever go down. We might depending on what the doctor says, but the insurers also change products and features all the time. So it's something that we can always reassess with all of them on a regular basis to see, okay, is someone now willing to consider it, especially because there has been quite a bit of time since, obviously, everything as well. And then sometimes the longer the time goes, the more comfortable they are, especially if there's no other medical issues or anything like that. So I can make a little note here as well that next under review before the under review, we can go I can go and have a bit of a chat with insurance and see if any of their products, everything has changed. And if we can at any point get you a little bit more cover to protect you and the family, something would've happened. Yep. If anything does change, and especially when you do go to the doctor at the end of the month, if there is any changes or anything and that you do that brings, you know, liver values back quicker or anything like that, there's changes. You don't have to wait till next time review. You can give me a call or send me an email whenever, and I'm more than happy to continue to review and reassess it for you. Yep. Now yeah. So with the document here, like I said, it just shows you that strategy. So just keep those insurances for for for now anyway because you do have cover. So if you wanna have a bit of a read over it, you're more than welcome through it. Or if you are happy to sign that document, then I will save everything on file. Like I said, we're not changing anything. We are keeping it the same. It's just giving you that showing you that we are keeping those insurances for the time being. I have also included it's called an opt in form as part of the document for you to sign, and that is just the form that we will submit through Australian Super to say that we wanna keep your insurances active. Because sometimes if there is a bit of a drop in the market, a bit of fluctuations, if the balance do drop below 6,000, they can be at risk of of lapsing sometimes, and we don't want that happening. So submitting that form just lets our super know that we wanna keep those insurances. Do not cancel them for the time being. Does that make sense? Yep. Perfect. So do you have any questions at all there, Kyle? No. Yep. Yeah. And like I said, I will make a little note here that we will continue to review these insurances for you. And when I do speak to the insurers all the time, it's something I'll keep in the back of my mind and keep assessing with them and seeing if it is at any point that we can reassess it. And if so, I will let you know. Yep. Perfect. Otherwise, yeah, basically, if you wanna have a read through the documents, like I said, I'm more than happy to do so. If you have any questions, let me know. If not, I will just need the that signature on those two documents when you have a moment, and and I can save an action, all of that for you. Yep. Yep. Perfect. But if there's anything else that you need at any point in time or like I said, when you speak to the doctor, if there's any changes, you just let me know. Okay? Yeah. Perfect. Well, thank you so much for your time this afternoon, Kyle, and I hope you enjoy the rest of your afternoon. Thanks. 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afternoon. Is this Kyle? This is Veronica from McGeo Financial. How are you? Yeah.\n\nI'm good. Thanks. I had you booked in, and it's a pretty quick catch up today. Do you have a couple of minutes for me? Yep.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, I do have a password on file. Do you know where that might be?\n\nYep. Beautiful. That's exactly what I have here. How's your day been so far? Been busy?\n\nThat sounds nice. Well, I yeah. No. I get that. And now like I said, Kyle, it is pretty straightforward.\n\nI know we've kind of already been speaking about this. Last time we spoke, we were going back to Neos to see if they were revisiting any of your insurances now with the new levels and everything to see if we could push that through or whether we had to retain your Australian Super. Do you remember that conversation? Yep. Perfect.\n\nAnd Neos have received some new medical reports from the doctor that does show that there is still a bit of a elevation in the liver function. So because it is still a bit higher than, like, the normal range, they have said that for the time being, they can't offer cover until it's back within the normal range. It was kind of what we were expecting, but it was worth trying anyway in case we could get it through. So, basically, what I have done just to show you what it would look like is I have to send you an email with the SOA, so with the strategy. Do you have access to your emails at the moment or not really right now?\n\nThat's okay. If you are happy to do so. Yes. Can you hear me? Yeah.\n\nPerfect. So it should ask you to click on a link, which is, like, a request signature or sign now, something like that. Yeah. So if you can click on that for me, it will allow you to open it up first before prompting you to sign anything. Yep.\n\nNow there is not much change because we have kind of implemented everything from the last conversation. The only change from this document through the the last one we went through is that we are now keeping about 15,000 Australian super for you temporarily just for your insurances. So if you can scroll down to for me, because a lot of it, we have kind of gone through already. But if you can scroll through to page 12, you should have a superannuation projection. Yeah.\n\nCan you see a little table there? Yeah. Perfect. So you can basically see here that there is no changes to current and recommended. It's exactly the same.\n\nThis is just putting it in in this document for you to show you that we are retaining about that 14,962, which is what you have in Australian Super at the moment. And the only reason we are doing that is to keep your insurances active for the time being. As soon as your liver functions do go down to normal range, we can revisit everything for you. But in the meantime, I don't wanna leave you uninsured. So I wanna make sure you have some cover in place for the time being.\n\nNow we're not changing your risk profile facing growth, not changing any of your investments. We kind of went through all of that earlier in February. So not changing any of that. Literally just showing you that you have documented as well that for the time being, we are retaining a little bit in our super. Now I did still do research on it to make sure that was still going to be the best option for you or if we could potentially fully consolidate our super or what the goal was.\n\nAnd Hub twenty four, because it allows so much more flexibility with investment, It just wasn't going to put you in as good of a position than having the way that it is now. So having majority of the fund in hub twenty four because that's what's going to grow and give you the most amount of growth for retirement and literally only keeping a minimal amount in or super just to keep those insurances active. Does that make sense? And do you kind of remember that conversation? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nIs there anything that doctor says or can do to bring it down at all? Okay. Okay. Of June? Yeah.\n\nOkay. And, yeah, hopefully, it will. If not, the way because I did check with other insurers at the moment. And because it is still high, they just won't offer anything else. And at least, yes, it will be a little bit underinsured because we were looking at about 500,000 for life and TPD.\n\nAnd income protection, we were looking about 6,650 and then a little bit of trauma as well. And, yeah, at the moment, based on the reports and everything, we we wouldn't was not able to get that. You still have cover in place, though. It's not as much as we initially wanted. We wanted to get you a bit more.\n\nBut if something were to happen, you still have a 174,000 worth of life. There's also a 122,000 worth of total permanent disability, and there is also that income protection. The income protection is about 3,000 a month. So, obviously, a little bit less than we were looking at, but it's still a lot better than anything. And looking at, yeah, other covers, the the retail cover wasn't available.\n\nAnd what you have with our super is competitive to, like, other group cover. And if you were to look at other group cover as well, a lot of them would, also sometimes preexclude existing conditions for a few years, which we don't want. Because if something were to happen, we wanna make sure you have the most comprehensive option available for you based on your situation right now. So I know it wasn't ideally, we were hoping to get everything consolidated for you, but at least this way, you still have some cover, though. If something ever were to happen, you still have majority of your money in hub twenty four.\n\nThat's gonna give you the most amount of growth, and we've already reviewed your investment. Do you have a question? Mhmm. Correct. Correct.\n\nWe wanna keep it in Australian Super to to keep those insurances active. But what we will do is what we did in February. So next time we catch up for you and review as well, we will look at the balance. And if it's still the best for you at the time as well, we will just do, like, partial rollovers. So we will continue to move money from our super as long as it's still the best into hub twenty four because I don't want Australian super to get through, you know, '20 or 30 if it's not gonna give you the same amount of growth as hub twenty four.\n\nWe wanna make sure we have the most amount in hub twenty four. But, yeah, keeping contributions there, it just means that those insurances will stay active, and we won't risk them lasting or anything like that, which we don't want. So that's a very good question, though. Do you have any other questions for me there, Kyle? No.\n\nYeah. Yeah. And I did research a lot of different options. And right now, the best option is to keep AustralianSuper and keep those insurances. That's not to say that that's always going to be the case.\n\nI know you said, you know, their liver value might not ever go down. We might depending on what the doctor says, but the insurers also change products and features all the time. So it's something that we can always reassess with all of them on a regular basis to see, okay, is someone now willing to consider it, especially because there has been quite a bit of time since, obviously, everything as well. And then sometimes the longer the time goes, the more comfortable they are, especially if there's no other medical issues or anything like that. So I can make a little note here as well that next under review before the under review, we can go I can go and have a bit of a chat with insurance and see if any of their products, everything has changed.\n\nAnd if we can at any point get you a little bit more cover to protect you and the family, something would've happened. Yep. If anything does change, and especially when you do go to the doctor at the end of the month, if there is any changes or anything and that you do that brings, you know, liver values back quicker or anything like that, there's changes. You don't have to wait till next time review. You can give me a call or send me an email whenever, and I'm more than happy to continue to review and reassess it for you.\n\nYep. Now yeah. So with the document here, like I said, it just shows you that strategy. So just keep those insurances for for for now anyway because you do have cover. So if you wanna have a bit of a read over it, you're more than welcome through it.\n\nOr if you are happy to sign that document, then I will save everything on file. Like I said, we're not changing anything. We are keeping it the same. It's just giving you that showing you that we are keeping those insurances for the time being. I have also included it's called an opt in form as part of the document for you to sign, and that is just the form that we will submit through Australian Super to say that we wanna keep your insurances active.\n\nBecause sometimes if there is a bit of a drop in the market, a bit of fluctuations, if the balance do drop below 6,000, they can be at risk of of lapsing sometimes, and we don't want that happening. So submitting that form just lets our super know that we wanna keep those insurances. Do not cancel them for the time being. Does that make sense? Yep.\n\nPerfect. So do you have any questions at all there, Kyle? No. Yep. Yeah.\n\nAnd like I said, I will make a little note here that we will continue to review these insurances for you. And when I do speak to the insurers all the time, it's something I'll keep in the back of my mind and keep assessing with them and seeing if it is at any point that we can reassess it. And if so, I will let you know. Yep. Perfect.\n\nOtherwise, yeah, basically, if you wanna have a read through the documents, like I said, I'm more than happy to do so. If you have any questions, let me know. If not, I will just need the that signature on those two documents when you have a moment, and and I can save an action, all of that for you. Yep. Yep.\n\nPerfect. But if there's anything else that you need at any point in time or like I said, when you speak to the doctor, if there's any changes, you just let me know. Okay? Yeah. Perfect.\n\nWell, thank you so much for your time this afternoon, Kyle, and I hope you enjoy the rest of your afternoon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.2104211151599884},{"text":"Is this Kyle?","start":2.6399999,"end":3.46,"sentiment":"neutral","sentiment_score":0.11217671136061351},{"text":"This is Veronica from McGeo Financial.","start":4.64,"end":6.64,"sentiment":"neutral","sentiment_score":0.12936644131938616},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.1443514625231425},{"text":"Yeah.","start":9.12,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.3321431875228882}],"sentiment":"neutral","sentiment_score":0.15325123916069666,"num_words":15,"start":1.92,"end":9.5199995},{"sentences":[{"text":"I'm good.","start":9.5199995,"end":10.08,"sentiment":"positive","sentiment_score":0.5712591707706451},{"text":"Thanks.","start":10.08,"end":10.58,"sentiment":"positive","sentiment_score":0.6467645168304443},{"text":"I had you booked in, and it's a pretty quick catch up today.","start":10.96,"end":13.94,"sentiment":"neutral","sentiment_score":0.29550324151149165},{"text":"Do you have a couple of minutes for me?","start":14.0,"end":15.765,"sentiment":"neutral","sentiment_score":0.08893367813693152},{"text":"Yep.","start":16.965,"end":17.445,"sentiment":"neutral","sentiment_score":0.12814724445343018}],"sentiment":"neutral","sentiment_score":0.2522836671425746,"num_words":26,"start":9.5199995,"end":17.445},{"sentences":[{"text":"Perfect.","start":17.445,"end":17.945,"sentiment":"positive","sentiment_score":0.4057406783103943},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.005001,"end":25.225,"sentiment":"neutral","sentiment_score":0.0499967527415218},{"text":"Perfect.","start":26.805,"end":27.305,"sentiment":"neutral","sentiment_score":0.3174625039100647},{"text":"And just to confirm I am speaking with the right person, just for security purposes, I do have a password on file.","start":27.765,"end":33.739998,"sentiment":"neutral","sentiment_score":0.08164681104773824},{"text":"Do you know where that might be?","start":33.739998,"end":35.12,"sentiment":"neutral","sentiment_score":0.03114341332444123}],"sentiment":"neutral","sentiment_score":0.06978904580076535,"num_words":60,"start":17.445,"end":35.12},{"sentences":[{"text":"Yep.","start":36.46,"end":36.86,"sentiment":"neutral","sentiment_score":0.13262391090393066},{"text":"Beautiful.","start":36.86,"end":37.26,"sentiment":"positive","sentiment_score":0.5903937816619873},{"text":"That's exactly what I have here.","start":37.26,"end":38.96,"sentiment":"positive","sentiment_score":0.5066395699977875},{"text":"How's your day been so far?","start":39.1,"end":40.54,"sentiment":"neutral","sentiment_score":0.12817147995034853},{"text":"Been busy?","start":40.54,"end":41.36,"sentiment":"neutral","sentiment_score":-0.03313279524445534}],"sentiment":"neutral","sentiment_score":0.27910115011036396,"num_words":16,"start":36.46,"end":41.36},{"sentences":[{"text":"That sounds nice.","start":48.235,"end":49.195,"sentiment":"neutral","sentiment_score":0.17531214406092963},{"text":"Well, I yeah.","start":49.195,"end":51.915,"sentiment":"neutral","sentiment_score":-0.0326682236045599},{"text":"No.","start":51.915,"end":52.415,"sentiment":"neutral","sentiment_score":-0.2841552495956421},{"text":"I get that.","start":54.33,"end":55.31,"sentiment":"neutral","sentiment_score":-0.14076143006483713},{"text":"And now like I said, Kyle, it is pretty straightforward.","start":56.57,"end":58.75,"sentiment":"neutral","sentiment_score":0.10881429389119149}],"sentiment":"neutral","sentiment_score":0.04048175802454353,"num_words":20,"start":48.235,"end":58.75},{"sentences":[{"text":"I know we've kind of already been speaking about this.","start":58.81,"end":61.71,"sentiment":"neutral","sentiment_score":-0.007937909150496126},{"text":"Last time we spoke, we were going back to Neos to see if they were revisiting any of your insurances now with the new levels and everything to see if we could push that through or whether we had to retain your Australian Super.","start":62.01,"end":75.165,"sentiment":"neutral","sentiment_score":-0.011177487671375275},{"text":"Do you remember that conversation?","start":75.165,"end":76.465,"sentiment":"neutral","sentiment_score":0.0034532826393842697},{"text":"Yep.","start":77.805,"end":78.205,"sentiment":"neutral","sentiment_score":0.060938455164432526},{"text":"Perfect.","start":78.205,"end":78.705,"sentiment":"neutral","sentiment_score":0.1898670643568039}],"sentiment":"neutral","sentiment_score":-0.004969124857824845,"num_words":61,"start":58.81,"end":78.705},{"sentences":[{"text":"And Neos have received some new medical reports from the doctor that does show that there is still a bit of a elevation in the liver function.","start":79.1,"end":88.799995,"sentiment":"neutral","sentiment_score":-0.02580409600502915},{"text":"So because it is still a bit higher than, like, the normal range, they have said that for the time being, they can't offer cover until it's back within the normal range.","start":89.58,"end":102.375,"sentiment":"neutral","sentiment_score":-0.1037698071449995},{"text":"It was kind of what we were expecting, but it was worth trying anyway in case we could get it through.","start":103.715004,"end":109.175,"sentiment":"neutral","sentiment_score":-0.07571119282926832},{"text":"So, basically, what I have done just to show you what it would look like is I have to send you an email with the SOA, so with the strategy.","start":110.25,"end":121.87,"sentiment":"neutral","sentiment_score":0.011035130235056083},{"text":"Do you have access to your emails at the moment or not really right now?","start":122.985,"end":126.284996,"sentiment":"neutral","sentiment_score":-0.04656743655602137}],"sentiment":"neutral","sentiment_score":-0.04779789689183235,"num_words":125,"start":79.1,"end":126.284996},{"sentences":[{"text":"That's okay.","start":128.905,"end":129.385,"sentiment":"neutral","sentiment_score":0.27440645545721054},{"text":"If you are happy to do so.","start":129.385,"end":130.925,"sentiment":"positive","sentiment_score":0.4344751366547176},{"text":"Yes.","start":138.36,"end":138.6,"sentiment":"neutral","sentiment_score":0.10174337029457092},{"text":"Can you hear me?","start":138.6,"end":139.58,"sentiment":"neutral","sentiment_score":0.05090218596160412},{"text":"Yeah.","start":140.6,"end":141.1,"sentiment":"neutral","sentiment_score":0.0936570167541504}],"sentiment":"neutral","sentiment_score":0.2659431998928388,"num_words":15,"start":128.905,"end":141.1},{"sentences":[{"text":"Perfect.","start":141.16,"end":141.66,"sentiment":"positive","sentiment_score":0.5214322805404663},{"text":"So it should ask you to click on a link, which is, like, a request signature or sign now, something like that.","start":142.76001,"end":152.22499,"sentiment":"neutral","sentiment_score":0.1935168348930099},{"text":"Yeah.","start":154.285,"end":154.525,"sentiment":"neutral","sentiment_score":0.17158351838588717},{"text":"So if you can click on that for me, it will allow you to open it up first before prompting you to sign anything.","start":154.525,"end":161.185,"sentiment":"neutral","sentiment_score":0.22155285067856312},{"text":"Yep.","start":162.7,"end":163.2,"sentiment":"neutral","sentiment_score":0.14690899848937988}],"sentiment":"neutral","sentiment_score":0.21254211390505032,"num_words":49,"start":141.16,"end":163.2},{"sentences":[{"text":"Now there is not much change because we have kind of implemented everything from the last conversation.","start":163.98,"end":169.92,"sentiment":"neutral","sentiment_score":0.034276423208853775},{"text":"The only change from this document through the the last one we went through is that we are now keeping about 15,000 Australian super for you temporarily just for your insurances.","start":170.62,"end":186.165,"sentiment":"neutral","sentiment_score":0.12964977299974811},{"text":"So if you can scroll down to for me, because a lot of it, we have kind of gone through already.","start":187.105,"end":192.73999,"sentiment":"neutral","sentiment_score":0.08924557800803866},{"text":"But if you can scroll through to page 12, you should have a superannuation projection.","start":193.51999,"end":200.18,"sentiment":"neutral","sentiment_score":0.07618322322765986},{"text":"Yeah.","start":206.225,"end":206.465,"sentiment":"neutral","sentiment_score":0.04107050597667694}],"sentiment":"neutral","sentiment_score":0.09011550764827167,"num_words":85,"start":163.98,"end":206.465},{"sentences":[{"text":"Can you see a little table there?","start":206.465,"end":208.085,"sentiment":"neutral","sentiment_score":0.050833902188709805},{"text":"Yeah.","start":209.345,"end":209.745,"sentiment":"neutral","sentiment_score":0.1911747008562088},{"text":"Perfect.","start":209.745,"end":210.245,"sentiment":"positive","sentiment_score":0.3868296444416046},{"text":"So you can basically see here that there is no changes to current and recommended.","start":210.385,"end":214.085,"sentiment":"neutral","sentiment_score":0.1754357318083445},{"text":"It's exactly the same.","start":214.145,"end":215.61,"sentiment":"neutral","sentiment_score":0.28334692120552063}],"sentiment":"neutral","sentiment_score":0.16781304723450116,"num_words":28,"start":206.465,"end":215.61},{"sentences":[{"text":"This is just putting it in in this document for you to show you that we are retaining about that 14,962, which is what you have in Australian Super at the moment.","start":215.93001,"end":228.59,"sentiment":"neutral","sentiment_score":0.24618490831926465},{"text":"And the only reason we are doing that is to keep your insurances active for the time being.","start":229.05501,"end":235.235,"sentiment":"neutral","sentiment_score":0.07766915919880073},{"text":"As soon as your liver functions do go down to normal range, we can revisit everything for you.","start":235.77501,"end":242.27501,"sentiment":"neutral","sentiment_score":0.03859947332077556},{"text":"But in the meantime, I don't wanna leave you uninsured.","start":242.51,"end":245.17,"sentiment":"neutral","sentiment_score":-0.0878560185432434},{"text":"So I wanna make sure you have some cover in place for the time being.","start":245.54999,"end":248.84999,"sentiment":"neutral","sentiment_score":0.06698508361975351}],"sentiment":"neutral","sentiment_score":0.10856955398314742,"num_words":93,"start":215.93001,"end":248.84999},{"sentences":[{"text":"Now we're not changing your risk profile facing growth, not changing any of your investments.","start":249.54999,"end":255.855,"sentiment":"neutral","sentiment_score":-0.08190441727638245},{"text":"We kind of went through all of that earlier in February.","start":256.07498,"end":259.275,"sentiment":"neutral","sentiment_score":-0.02262675017118454},{"text":"So not changing any of that.","start":259.275,"end":261.275,"sentiment":"neutral","sentiment_score":-0.04131260265906652},{"text":"Literally just showing you that you have documented as well that for the time being, we are retaining a little bit in our super.","start":261.275,"end":269.135,"sentiment":"neutral","sentiment_score":0.1513977898284793},{"text":"Now I did still do research on it to make sure that was still going to be the best option for you or if we could potentially fully consolidate our super or what the goal was.","start":269.99002,"end":280.41,"sentiment":"neutral","sentiment_score":0.18178721807069248}],"sentiment":"neutral","sentiment_score":0.09187555086353551,"num_words":92,"start":249.54999,"end":280.41},{"sentences":[{"text":"And Hub twenty four, because it allows so much more flexibility with investment, It just wasn't going to put you in as good of a position than having the way that it is now.","start":280.79,"end":291.955,"sentiment":"neutral","sentiment_score":0.14137404647601},{"text":"So having majority of the fund in hub twenty four because that's what's going to grow and give you the most amount of growth for retirement and literally only keeping a minimal amount in or super just to keep those insurances active.","start":292.335,"end":305.75,"sentiment":"positive","sentiment_score":0.45160781946920214},{"text":"Does that make sense?","start":306.13,"end":307.35,"sentiment":"neutral","sentiment_score":0.19545603170990944},{"text":"And do you kind of remember that conversation?","start":307.81,"end":309.75,"sentiment":"neutral","sentiment_score":0.037744085770100355},{"text":"Yeah.","start":311.25,"end":311.75,"sentiment":"neutral","sentiment_score":0.04379701614379883}],"sentiment":"neutral","sentiment_score":0.27979572839365247,"num_words":89,"start":280.79,"end":311.75},{"sentences":[{"text":"Yeah.","start":312.49503,"end":312.99503,"sentiment":"neutral","sentiment_score":-0.21026329696178436},{"text":"Yeah.","start":325.95,"end":326.45,"sentiment":"neutral","sentiment_score":-0.11602484434843063},{"text":"Yeah.","start":332.43,"end":332.91,"sentiment":"neutral","sentiment_score":-0.06027238070964813},{"text":"Yeah.","start":332.91,"end":333.41,"sentiment":"neutral","sentiment_score":-0.019257020205259323},{"text":"Yeah.","start":336.19,"end":336.35,"sentiment":"neutral","sentiment_score":-0.003213275223970413}],"sentiment":"neutral","sentiment_score":-0.08180616348981858,"num_words":5,"start":312.49503,"end":336.35},{"sentences":[{"text":"Is there anything that doctor says or can do to bring it down at all?","start":336.35,"end":342.845,"sentiment":"neutral","sentiment_score":-0.01933015634616216},{"text":"Okay.","start":344.585,"end":345.085,"sentiment":"neutral","sentiment_score":-0.012835465371608734},{"text":"Okay.","start":348.10498,"end":348.585,"sentiment":"neutral","sentiment_score":-0.0012204991653561592},{"text":"Of June?","start":348.585,"end":349.245,"sentiment":"neutral","sentiment_score":-0.001586110796779394},{"text":"Yeah.","start":351.08002,"end":351.58002,"sentiment":"neutral","sentiment_score":0.012654297985136507}],"sentiment":"neutral","sentiment_score":-0.014726311666890979,"num_words":20,"start":336.35,"end":351.58002},{"sentences":[{"text":"Okay.","start":352.96002,"end":353.46002,"sentiment":"neutral","sentiment_score":0.011124255135655403},{"text":"And, yeah, hopefully, it will.","start":354.84,"end":356.46002,"sentiment":"neutral","sentiment_score":0.024485673010349273},{"text":"If not, the way because I did check with other insurers at the moment.","start":357.32,"end":360.76,"sentiment":"neutral","sentiment_score":-0.17759930661746434},{"text":"And because it is still high, they just won't offer anything else.","start":360.76,"end":365.755,"sentiment":"neutral","sentiment_score":-0.27694587657848996},{"text":"And at least, yes, it will be a little bit underinsured because we were looking at about 500,000 for life and TPD.","start":367.01498,"end":373.995,"sentiment":"neutral","sentiment_score":-0.2356048747897148}],"sentiment":"neutral","sentiment_score":-0.20110176734764268,"num_words":54,"start":352.96002,"end":373.995},{"sentences":[{"text":"And income protection, we were looking about 6,650 and then a little bit of trauma as well.","start":375.095,"end":381.16,"sentiment":"neutral","sentiment_score":-0.21247834054862752},{"text":"And, yeah, at the moment, based on the reports and everything, we we wouldn't was not able to get that.","start":382.66,"end":390.03998,"sentiment":"neutral","sentiment_score":-0.15724867731332778},{"text":"You still have cover in place, though.","start":391.38498,"end":393.305,"sentiment":"neutral","sentiment_score":-0.032728011054652076},{"text":"It's not as much as we initially wanted.","start":393.305,"end":396.205,"sentiment":"neutral","sentiment_score":-0.17551720887422562},{"text":"We wanted to get you a bit more.","start":396.745,"end":398.425,"sentiment":"neutral","sentiment_score":-0.08704045228660107}],"sentiment":"neutral","sentiment_score":-0.15144437837104002,"num_words":60,"start":375.095,"end":398.425},{"sentences":[{"text":"But if something were to happen, you still have a 174,000 worth of life.","start":398.425,"end":404.205,"sentiment":"neutral","sentiment_score":-0.19873853879315512},{"text":"There's also a 122,000 worth of total permanent disability, and there is also that income protection.","start":405.11,"end":412.40997,"sentiment":"neutral","sentiment_score":-0.09747997974045575},{"text":"The income protection is about 3,000 a month.","start":412.47,"end":416.00998,"sentiment":"neutral","sentiment_score":-0.06713567255064845},{"text":"So, obviously, a little bit less than we were looking at, but it's still a lot better than anything.","start":416.22998,"end":420.965,"sentiment":"neutral","sentiment_score":0.24297424876376203},{"text":"And looking at, yeah, other covers, the the retail cover wasn't available.","start":422.625,"end":426.885,"sentiment":"neutral","sentiment_score":-0.02980128551522891}],"sentiment":"neutral","sentiment_score":-0.008988540565622026,"num_words":69,"start":398.425,"end":426.885},{"sentences":[{"text":"And what you have with our super is competitive to, like, other group cover.","start":427.98502,"end":432.565,"sentiment":"neutral","sentiment_score":0.14780995835150992},{"text":"And if you were to look at other group cover as well, a lot of them would, also sometimes preexclude existing conditions for a few years, which we don't want.","start":433.00998,"end":442.87,"sentiment":"neutral","sentiment_score":-0.1572164885699749},{"text":"Because if something were to happen, we wanna make sure you have the most comprehensive option available for you based on your situation right now.","start":443.00998,"end":450.705,"sentiment":"neutral","sentiment_score":0.20867961525917053},{"text":"So I know it wasn't ideally, we were hoping to get everything consolidated for you, but at least this way, you still have some cover, though.","start":451.565,"end":460.305,"sentiment":"neutral","sentiment_score":0.03682023881433102},{"text":"If something ever were to happen, you still have majority of your money in hub twenty four.","start":460.62,"end":465.74,"sentiment":"neutral","sentiment_score":0.1494118869304657}],"sentiment":"neutral","sentiment_score":0.054171102038318555,"num_words":112,"start":427.98502,"end":465.74},{"sentences":[{"text":"That's gonna give you the most amount of growth, and we've already reviewed your investment.","start":465.74,"end":469.68,"sentiment":"neutral","sentiment_score":0.3099389205376307},{"text":"Do you have a question?","start":471.5,"end":473.215,"sentiment":"neutral","sentiment_score":0.013042937219142913},{"text":"Mhmm.","start":473.835,"end":474.335,"sentiment":"neutral","sentiment_score":0.0028246459551155567},{"text":"Correct.","start":477.035,"end":477.535,"sentiment":"neutral","sentiment_score":0.020518725737929344},{"text":"Correct.","start":481.03497,"end":481.53497,"sentiment":"neutral","sentiment_score":0.01267840713262558}],"sentiment":"neutral","sentiment_score":0.20653566404286286,"num_words":23,"start":465.74,"end":481.53497},{"sentences":[{"text":"We wanna keep it in Australian Super to to keep those insurances active.","start":483.275,"end":489.03,"sentiment":"neutral","sentiment_score":0.08336158354695027},{"text":"But what we will do is what we did in February.","start":489.33,"end":493.03,"sentiment":"neutral","sentiment_score":0.07386441054669293},{"text":"So next time we catch up for you and review as well, we will look at the balance.","start":493.57,"end":498.07,"sentiment":"neutral","sentiment_score":0.09569584826628368},{"text":"And if it's still the best for you at the time as well, we will just do, like, partial rollovers.","start":498.69,"end":503.19,"sentiment":"neutral","sentiment_score":0.146668391674757},{"text":"So we will continue to move money from our super as long as it's still the best into hub twenty four because I don't want Australian super to get through, you know, '20 or 30 if it's not gonna give you the same amount of growth as hub twenty four.","start":503.685,"end":516.005,"sentiment":"neutral","sentiment_score":0.005666381120681763}],"sentiment":"neutral","sentiment_score":0.06103054696827063,"num_words":112,"start":483.275,"end":516.005},{"sentences":[{"text":"We wanna make sure we have the most amount in hub twenty four.","start":516.005,"end":519.12,"sentiment":"neutral","sentiment_score":0.13327870747217765},{"text":"But, yeah, keeping contributions there, it just means that those insurances will stay active, and we won't risk them lasting or anything like that, which we don't want.","start":520.48,"end":529.46,"sentiment":"neutral","sentiment_score":-0.015827897836321166},{"text":"So that's a very good question, though.","start":530.56,"end":532.33997,"sentiment":"neutral","sentiment_score":0.25585153911794933},{"text":"Do you have any other questions for me there, Kyle?","start":533.73505,"end":536.23505,"sentiment":"neutral","sentiment_score":0.015603970736265182},{"text":"No.","start":539.575,"end":540.05505,"sentiment":"neutral","sentiment_score":-0.20868168771266937}],"sentiment":"neutral","sentiment_score":0.05131798052876178,"num_words":59,"start":516.005,"end":540.05505},{"sentences":[{"text":"Yeah.","start":540.05505,"end":540.55505,"sentiment":"neutral","sentiment_score":-0.1335398554801941},{"text":"Yeah.","start":543.73505,"end":544.215,"sentiment":"neutral","sentiment_score":0.012096565216779709},{"text":"And I did research a lot of different options.","start":544.215,"end":546.29504,"sentiment":"neutral","sentiment_score":0.06594041362404823},{"text":"And right now, the best option is to keep AustralianSuper and keep those insurances.","start":546.29504,"end":552.3,"sentiment":"neutral","sentiment_score":0.15793303613151824},{"text":"That's not to say that that's always going to be the case.","start":553.48,"end":556.12,"sentiment":"neutral","sentiment_score":-0.02973571481804053}],"sentiment":"neutral","sentiment_score":0.06287173946966997,"num_words":37,"start":540.05505,"end":556.12},{"sentences":[{"text":"I know you said, you know, their liver value might not ever go down.","start":556.12,"end":560.38,"sentiment":"neutral","sentiment_score":-0.027774609359247342},{"text":"We might depending on what the doctor says, but the insurers also change products and features all the time.","start":560.44,"end":566.85504,"sentiment":"neutral","sentiment_score":0.04857942912923662},{"text":"So it's something that we can always reassess with all of them on a regular basis to see, okay, is someone now willing to consider it, especially because there has been quite a bit of time since, obviously, everything as well.","start":567.315,"end":582.83997,"sentiment":"neutral","sentiment_score":0.25461385980611895},{"text":"And then sometimes the longer the time goes, the more comfortable they are, especially if there's no other medical issues or anything like that.","start":583.14,"end":590.685,"sentiment":"neutral","sentiment_score":0.18586345358441272},{"text":"So I can make a little note here as well that next under review before the under review, we can go I can go and have a bit of a chat with insurance and see if any of their products, everything has changed.","start":591.725,"end":602.545,"sentiment":"neutral","sentiment_score":0.2638575971819634}],"sentiment":"neutral","sentiment_score":0.1899285988604769,"num_words":141,"start":556.12,"end":602.545},{"sentences":[{"text":"And if we can at any point get you a little bit more cover to protect you and the family, something would've happened.","start":602.765,"end":608.73,"sentiment":"neutral","sentiment_score":0.19143301734457846},{"text":"Yep.","start":610.23,"end":610.73,"sentiment":"neutral","sentiment_score":0.2966189980506897},{"text":"If anything does change, and especially when you do go to the doctor at the end of the month, if there is any changes or anything and that you do that brings, you know, liver values back quicker or anything like that, there's changes.","start":611.67,"end":625.39496,"sentiment":"neutral","sentiment_score":0.24715762195939367},{"text":"You don't have to wait till next time review.","start":626.01495,"end":627.69495,"sentiment":"neutral","sentiment_score":0.25186845080720055},{"text":"You can give me a call or send me an email whenever, and I'm more than happy to continue to review and reassess it for you.","start":627.69495,"end":633.93,"sentiment":"positive","sentiment_score":0.49273556012373704}],"sentiment":"neutral","sentiment_score":0.29759664450166295,"num_words":103,"start":602.765,"end":633.93},{"sentences":[{"text":"Yep.","start":635.26996,"end":635.76996,"sentiment":"neutral","sentiment_score":0.18740223348140717},{"text":"Now yeah.","start":636.79,"end":638.31,"sentiment":"neutral","sentiment_score":0.1423245668411255},{"text":"So with the document here, like I said, it just shows you that strategy.","start":638.31,"end":642.64996,"sentiment":"neutral","sentiment_score":0.3241414342607771},{"text":"So just keep those insurances for for for now anyway because you do have cover.","start":642.70996,"end":647.585,"sentiment":"positive","sentiment_score":0.3461836496988932},{"text":"So if you wanna have a bit of a read over it, you're more than welcome through it.","start":647.965,"end":651.985,"sentiment":"positive","sentiment_score":0.5141525078150961}],"sentiment":"positive","sentiment_score":0.3891506266593933,"num_words":50,"start":635.26996,"end":651.985},{"sentences":[{"text":"Or if you are happy to sign that document, then I will save everything on file.","start":653.005,"end":659.085,"sentiment":"neutral","sentiment_score":0.18564129015430808},{"text":"Like I said, we're not changing anything.","start":659.085,"end":660.945,"sentiment":"neutral","sentiment_score":0.1509258108479636},{"text":"We are keeping it the same.","start":661.26,"end":662.54004,"sentiment":"neutral","sentiment_score":0.28697794675827026},{"text":"It's just giving you that showing you that we are keeping those insurances for the time being.","start":662.54004,"end":668.32,"sentiment":"positive","sentiment_score":0.3708823586211485},{"text":"I have also included it's called an opt in form as part of the document for you to sign, and that is just the form that we will submit through Australian Super to say that we wanna keep your insurances active.","start":668.62,"end":681.415,"sentiment":"neutral","sentiment_score":0.211496172154822}],"sentiment":"neutral","sentiment_score":0.238217840848983,"num_words":87,"start":653.005,"end":681.415},{"sentences":[{"text":"Because sometimes if there is a bit of a drop in the market, a bit of fluctuations, if the balance do drop below 6,000, they can be at risk of of lapsing sometimes, and we don't want that happening.","start":681.795,"end":695.6,"sentiment":"neutral","sentiment_score":-0.07280558008605088},{"text":"So submitting that form just lets our super know that we wanna keep those insurances.","start":695.6,"end":700.07996,"sentiment":"neutral","sentiment_score":0.16515249013900757},{"text":"Do not cancel them for the time being.","start":700.07996,"end":702.72,"sentiment":"neutral","sentiment_score":-0.0232591200619936},{"text":"Does that make sense?","start":702.72,"end":703.86,"sentiment":"neutral","sentiment_score":0.0634178421460092},{"text":"Yep.","start":704.875,"end":705.355,"sentiment":"neutral","sentiment_score":0.18156969547271729}],"sentiment":"neutral","sentiment_score":-0.001686002503135311,"num_words":67,"start":681.795,"end":705.355},{"sentences":[{"text":"Perfect.","start":705.355,"end":705.855,"sentiment":"positive","sentiment_score":0.508783757686615},{"text":"So do you have any questions at all there, Kyle?","start":706.955,"end":709.695,"sentiment":"neutral","sentiment_score":0.16534839272499086},{"text":"No.","start":711.915,"end":712.415,"sentiment":"neutral","sentiment_score":-0.05088580399751663},{"text":"Yep.","start":712.71497,"end":713.21497,"sentiment":"neutral","sentiment_score":-0.030994823202490807},{"text":"Yeah.","start":714.635,"end":714.955,"sentiment":"neutral","sentiment_score":0.033483631908893585}],"sentiment":"neutral","sentiment_score":0.1509907635461007,"num_words":14,"start":705.355,"end":714.955},{"sentences":[{"text":"And like I said, I will make a little note here that we will continue to review these insurances for you.","start":714.955,"end":719.615,"sentiment":"neutral","sentiment_score":0.04620801808223838},{"text":"And when I do speak to the insurers all the time, it's something I'll keep in the back of my mind and keep assessing with them and seeing if it is at any point that we can reassess it.","start":720.18,"end":728.9,"sentiment":"neutral","sentiment_score":0.045530467079235956},{"text":"And if so, I will let you know.","start":728.9,"end":730.52,"sentiment":"neutral","sentiment_score":0.06329274969175458},{"text":"Yep.","start":731.7,"end":732.075,"sentiment":"neutral","sentiment_score":0.2917062044143677},{"text":"Perfect.","start":732.47504,"end":732.97504,"sentiment":"positive","sentiment_score":0.4747276902198791}],"sentiment":"neutral","sentiment_score":0.057411892685507025,"num_words":70,"start":714.955,"end":732.97504},{"sentences":[{"text":"Otherwise, yeah, basically, if you wanna have a read through the documents, like I said, I'm more than happy to do so.","start":733.675,"end":739.53503,"sentiment":"positive","sentiment_score":0.38863893395120447},{"text":"If you have any questions, let me know.","start":740.075,"end":741.935,"sentiment":"neutral","sentiment_score":0.21667156741023064},{"text":"If not, I will just need the that signature on those two documents when you have a moment, and and I can save an action, all of that for you.","start":742.155,"end":751.15,"sentiment":"neutral","sentiment_score":0.21254207243522008},{"text":"Yep.","start":751.93005,"end":752.09,"sentiment":"neutral","sentiment_score":0.21907316148281095},{"text":"Yep.","start":752.09,"end":752.49005,"sentiment":"neutral","sentiment_score":0.24148303270339969}],"sentiment":"neutral","sentiment_score":0.2761330234427606,"num_words":62,"start":733.675,"end":752.49005},{"sentences":[{"text":"Perfect.","start":752.49005,"end":752.89,"sentiment":"positive","sentiment_score":0.412850558757782},{"text":"But if there's anything else that you need at any point in time or like I said, when you speak to the doctor, if there's any changes, you just let me know.","start":752.89,"end":759.965,"sentiment":"neutral","sentiment_score":0.11722641438245773},{"text":"Okay?","start":759.965,"end":760.465,"sentiment":"neutral","sentiment_score":0.13375914096832275},{"text":"Yeah.","start":761.965,"end":762.445,"sentiment":"neutral","sentiment_score":0.22309499979019165},{"text":"Perfect.","start":762.445,"end":762.925,"sentiment":"neutral","sentiment_score":0.12389659881591795}],"sentiment":"neutral","sentiment_score":0.12902351551585728,"num_words":36,"start":752.49005,"end":762.925},{"sentences":[{"text":"Well, thank you so much for your time this afternoon, Kyle, and I hope you enjoy the rest of your afternoon.","start":762.925,"end":767.185,"sentiment":"positive","sentiment_score":0.7029813450007212},{"text":"Thanks.","start":769.325,"end":769.825,"sentiment":"positive","sentiment_score":0.6874790191650391},{"text":"Bye.","start":769.885,"end":770.385,"sentiment":"positive","sentiment_score":0.4631802439689636}],"sentiment":"positive","sentiment_score":0.6918811960064847,"num_words":23,"start":762.925,"end":770.385}]}}]},{"alternatives":[{"transcript":"Hello? Yep. Good. Yourself? Yep. Yep. Corteina. Not really. We had family come down to visit, so it's been a pretty slack day, really. But yeah. It's nice, but, yeah, hard to get anything accomplished. Yep. Yep. Yep. Yeah. I'll just have to put you on speaker. You there? Yep. Uh-huh. Yeah. It's on document. Yep. Yep. Yep. Page 12. Yep. Yep. Yep. Yep. Yep. Yeah. That makes sense. My problem is that, like, my blood test has been showing me I've got liver problems for, like, a year and a half. I've seen no improvement whatsoever, even though I've cut back on alcohol considerably. I've had scans on my liver liver that said it was there was no issues there whatsoever. So I'm not confident that my blood tests are ever going to be okay. I'm not sure. I've got a doctor's appointment on the twenty second, I think it is. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. I guess, you know, my I'm still paying my super into Australian super. Is that what I should still be doing, or should that get changed? Yep. Yeah. Yeah. Yeah. Yep. Yep. Not right now. Yeah. Yeah. I don't really know what else to do at this stage. So Yep. Yep. Yep. Yeah. Yep. Yep. No no worries. Yep. Yep. Yep. No. Yeah. I think we know where we're at. Yep. Yep. Sounds good. Yep. Alright. Sounds very good. Yep. Will do. Talk to me, pal. You too. Thank you. 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not sure.","start":343.06,"end":343.7,"sentiment":"neutral","sentiment_score":-0.0742223064104716},{"text":"I've got a doctor's appointment on the twenty second, I think it 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guess, you know, my I'm still paying my super into Australian super.","start":473.54498,"end":478.505,"sentiment":"neutral","sentiment_score":0.011995884751041349},{"text":"Is that what I should still be doing, or should that get 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right now.","start":538.01996,"end":538.98,"sentiment":"neutral","sentiment_score":-0.21323158840338388},{"text":"Yeah.","start":538.98,"end":539.48,"sentiment":"neutral","sentiment_score":-0.12589694559574127},{"text":"Yeah.","start":539.94,"end":540.26,"sentiment":"neutral","sentiment_score":-0.09978803247213364},{"text":"I don't really know what else to do at this stage.","start":540.26,"end":542.66,"sentiment":"neutral","sentiment_score":-0.3011842668056488}],"sentiment":"neutral","sentiment_score":-0.23917373839546652,"num_words":17,"start":530.025,"end":542.66},{"sentences":[{"text":"So Yep.","start":542.66,"end":553.76495,"sentiment":"neutral","sentiment_score":0.04829563573002815},{"text":"Yep.","start":567.62,"end":568.12,"sentiment":"neutral","sentiment_score":0.29719966650009155},{"text":"Yep.","start":591.225,"end":591.57,"sentiment":"neutral","sentiment_score":0.2770340144634247},{"text":"Yeah.","start":609.315,"end":609.815,"sentiment":"neutral","sentiment_score":0.21320953965187073},{"text":"Yep.","start":630.54,"end":631.04,"sentiment":"positive","sentiment_score":0.5576369166374207}],"sentiment":"neutral","sentiment_score":0.24027856811881065,"num_words":6,"start":542.66,"end":631.04},{"sentences":[{"text":"Yep.","start":634.16504,"end":634.66504,"sentiment":"neutral","sentiment_score":0.200340136885643},{"text":"No no worries.","start":636.325,"end":637.305,"sentiment":"neutral","sentiment_score":0.1481630007425944},{"text":"Yep.","start":646.405,"end":646.905,"sentiment":"positive","sentiment_score":0.34957143664360046},{"text":"Yep.","start":682.01,"end":682.51,"sentiment":"neutral","sentiment_score":0.02810126543045044},{"text":"Yep.","start":704.005,"end":704.505,"sentiment":"neutral","sentiment_score":0.09915348142385484}],"sentiment":"neutral","sentiment_score":0.1602364746587617,"num_words":7,"start":634.16504,"end":704.505},{"sentences":[{"text":"No.","start":710.5,"end":711.0,"sentiment":"neutral","sentiment_score":-0.023368248715996746},{"text":"Yeah.","start":711.46,"end":711.96,"sentiment":"neutral","sentiment_score":-0.0047056954354047775},{"text":"I think we know where we're at.","start":712.02,"end":713.96,"sentiment":"neutral","sentiment_score":-0.057291388511657715},{"text":"Yep.","start":720.005,"end":720.505,"sentiment":"neutral","sentiment_score":0.10186036676168442},{"text":"Yep.","start":730.805,"end":731.20496,"sentiment":"neutral","sentiment_score":0.18483446538448337}],"sentiment":"neutral","sentiment_score":-0.01294716650789434,"num_words":11,"start":710.5,"end":731.20496},{"sentences":[{"text":"Sounds good.","start":731.20496,"end":732.105,"sentiment":"positive","sentiment_score":0.3858378380537033},{"text":"Yep.","start":749.565,"end":750.04504,"sentiment":"neutral","sentiment_score":0.147355854511261},{"text":"Alright.","start":750.04504,"end":750.445,"sentiment":"neutral","sentiment_score":0.3313702940940857},{"text":"Sounds very good.","start":750.445,"end":751.745,"sentiment":"positive","sentiment_score":0.5141380329926809},{"text":"Yep.","start":759.005,"end":759.505,"sentiment":"neutral","sentiment_score":0.1105443239212036}],"sentiment":"positive","sentiment_score":0.36292003095149994,"num_words":8,"start":731.20496,"end":759.505},{"sentences":[{"text":"Will do.","start":761.01996,"end":761.75995,"sentiment":"neutral","sentiment_score":0.23330183327198029},{"text":"Talk to me, pal.","start":764.62,"end":765.83997,"sentiment":"positive","sentiment_score":0.6446412801742554},{"text":"You too.","start":767.74,"end":768.45996,"sentiment":"positive","sentiment_score":0.4692967087030411},{"text":"Thank you.","start":768.45996,"end":769.19995,"sentiment":"positive","sentiment_score":0.7482634484767914},{"text":"See you.","start":770.62,"end":771.36,"sentiment":"neutral","sentiment_score":0.1748555228114128}],"sentiment":"positive","sentiment_score":0.48583334560195607,"num_words":12,"start":761.01996,"end":771.36}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Kyle?\n\nChannel 1: Yep.\n\nChannel 0: This is Veronica from McGeo Financial. How are you?\n\nChannel 1: Good. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in, and it's a pretty quick catch up today. Do you have a couple of minutes for me?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, I do have a password on file. Do you know where that might be?\n\nChannel 1: Corteina.\n\nChannel 0: Yep. Beautiful. That's exactly what I have here. How's your day been so far? Been busy?\n\nChannel 1: Not really. We had family come down to visit, so it's been a pretty slack day, really. But yeah.\n\nChannel 0: That sounds\n\nChannel 1: It's\n\nChannel 0: nice. Well, I\n\nChannel 1: nice, but, yeah,\n\nChannel 0: yeah.\n\nChannel 1: hard to\n\nChannel 0: No.\n\nChannel 1: get anything accomplished.\n\nChannel 0: I get that. And now like I said, Kyle, it is pretty straightforward. I know we've kind of already been speaking about this. Last time we spoke, we were going back to Neos to see if they were revisiting any of your insurances now with the new levels and everything to see if we could push that through or whether we had to retain your Australian Super. Do you remember that conversation?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And Neos have received some new medical reports from the doctor that does show that there is still a bit of a elevation in the liver function.\n\nChannel 1: Yep.\n\nChannel 0: So because it is still a bit higher than, like, the normal range, they have said that for the time being, they can't offer cover until it's back within the normal range.\n\nChannel 1: Yep.\n\nChannel 0: It was kind of what we were expecting, but it was worth trying anyway in case we could get it through. So, basically, what I have done just to show you what it would look like is I have to send you an email with the SOA, so with the strategy. Do you have access to your emails at the moment or not really right now?\n\nChannel 1: Yeah. I'll just have to put you on speaker.\n\nChannel 0: That's okay. If you are happy to do so.\n\nChannel 1: You there?\n\nChannel 0: Yes. Can you hear me?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Uh-huh.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So it should ask you to click on a link, which is, like, a request signature or sign now, something like that.\n\nChannel 1: It's on document.\n\nChannel 0: Yeah. So if you can click on that for me, it will allow you to open it up first before prompting you to sign anything.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now there is not much change because we have kind of implemented everything from the last conversation. The only change from this document through the the last one we went through is that we are now keeping about 15,000 Australian super for you temporarily\n\nChannel 1: Yep.\n\nChannel 0: just for your insurances. So if you can scroll down to for me, because a lot of it, we have kind of gone through already. But if you can scroll through to page 12, you should have a superannuation projection.\n\nChannel 1: Yep. Page 12.\n\nChannel 0: Yeah. Can you see a little table there?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So you can basically see here that there is no changes to current and recommended. It's exactly the same. This is just putting it in in this document for you to show you that we are retaining about that 14,962, which is what you have in Australian Super at the moment.\n\nAnd the\n\nChannel 1: Yep.\n\nChannel 0: only reason we are doing that is to keep your insurances active for the time being. As soon as your liver functions do go down to normal range, we can revisit everything for you. But in the meantime, I don't wanna leave you uninsured. So I wanna make sure\n\nChannel 1: Yep.\n\nChannel 0: you have some cover in place for the time being. Now we're not changing your risk profile facing growth, not changing any of your investments. We kind of went through all of that earlier in February. So\n\nChannel 1: Yep.\n\nChannel 0: not changing any of that. Literally just showing you that you have documented as well that for the time being, we are retaining a little bit in our super. Now I did still do research on it to make sure that was still going to be the best option for you or if we could potentially fully consolidate our super or what the goal was. And Hub twenty four, because it allows so much more flexibility with investment, It just wasn't going to put you in as good of a position than having the way that it is now. So\n\nChannel 1: Yep.\n\nChannel 0: having majority of the fund in hub twenty four because that's what's going to grow and give you the most amount of growth for retirement and literally only keeping a minimal amount in or super just to keep those insurances active. Does that make sense? And do you kind of remember that conversation?\n\nChannel 1: Yeah. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense. My problem is\n\nChannel 0: Yeah.\n\nChannel 1: that, like, my blood test has been showing me I've got liver problems for, like, a year and a half. I've seen no improvement whatsoever, even though I've cut back on alcohol considerably.\n\nChannel 0: Yeah.\n\nChannel 1: I've had scans on my liver liver that said it was there was no issues there whatsoever. So I'm not\n\nChannel 0: Yeah.\n\nChannel 1: confident\n\nChannel 0: Yeah.\n\nChannel 1: that my blood tests are ever going to be okay.\n\nChannel 0: Yeah. Is there anything that doctor says or can do to bring it down at all?\n\nChannel 1: I'm not sure. I've got a doctor's appointment\n\nChannel 0: Okay.\n\nChannel 1: on the twenty second, I think it is.\n\nChannel 0: Okay. Of June?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. And, yeah, hopefully, it will. If not, the way because I did check with other insurers at the moment. And because it is still high, they just won't offer anything else.\n\nChannel 1: Yep.\n\nChannel 0: And at least, yes, it will be a little bit underinsured because we were looking at about 500,000 for life and TPD. And income protection, we were looking about 6,650 and then a little bit of trauma as well.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, at the moment, based on the reports and everything, we we wouldn't was not able to get that. You still have cover in place, though. It's not as much as\n\nChannel 1: Yep.\n\nChannel 0: we initially wanted. We wanted to get you a bit more. But if something were to happen, you still have a 174,000 worth of life. There's also a 122,000 worth of total permanent disability, and there\n\nChannel 1: Yep.\n\nChannel 0: is also that income protection. The income protection is about 3,000 a month. So, obviously, a little bit less than we were looking at, but it's still a lot better than anything.\n\nChannel 1: Yep.\n\nChannel 0: And looking at, yeah, other covers, the the retail cover wasn't available. And what you have with our super is competitive to, like, other group cover. And if you were to look at other group cover as well, a lot of them would, also sometimes preexclude existing conditions for a few years, which we don't want. Because if\n\nChannel 1: Yep.\n\nChannel 0: something were to happen, we wanna make sure you have the most comprehensive option available for you based on your situation right now.\n\nChannel 1: Yep.\n\nChannel 0: So I know it wasn't ideally, we were hoping to get everything consolidated for you, but at least this way, you still have some cover, though. If something ever were to happen, you still have majority of your money in hub twenty four. That's gonna give you the most amount of growth, and we've already reviewed your investment.\n\nChannel 1: Yep.\n\nChannel 0: Do you have a question?\n\nChannel 1: I guess,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, my I'm still paying my super into\n\nChannel 0: Correct.\n\nChannel 1: Australian super. Is that what I should still be doing, or should\n\nChannel 0: Correct.\n\nChannel 1: that get changed?\n\nChannel 0: We wanna keep it in Australian Super to to keep those insurances active. But\n\nChannel 1: Yep.\n\nChannel 0: what we will do is what we did in February. So next time we catch up for you and review as well, we will look at the balance. And\n\nChannel 1: Yeah.\n\nChannel 0: if it's still the best for you at the time as well, we will just do, like, partial rollovers. So we will\n\nChannel 1: Yeah.\n\nChannel 0: continue to move money from our super as long as it's still the best into hub twenty four because I don't want Australian super to get through, you know, '20 or 30 if it's not gonna give you the same amount of growth as hub twenty\n\nChannel 1: Yeah.\n\nChannel 0: four. We wanna make sure we have the most amount in hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, keeping contributions there, it just means that those insurances will stay active, and we won't risk them lasting or anything like that, which we don't want.\n\nChannel 1: Yep.\n\nChannel 0: So that's a very good question, though. Do you have any other questions for me there, Kyle?\n\nChannel 1: Not right now. Yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I don't really know what else to do at this stage. So\n\nChannel 0: Yeah. And I did research a lot of different options. And right now, the best option is to keep AustralianSuper and keep those insurances.\n\nChannel 1: Yep.\n\nChannel 0: That's not to say that that's always going to be the case. I know you said, you know, their liver value might not ever go down. We might depending on what the doctor says, but the insurers also change products and features all the time. So it's\n\nChannel 1: Yep.\n\nChannel 0: something that we can always reassess with all of them on a regular basis to see, okay, is someone now willing to consider it, especially because there has been quite a bit of time since, obviously, everything as well. And then sometimes the longer the time goes, the more comfortable they are, especially if there's no other medical issues or anything like that.\n\nChannel 1: Yep.\n\nChannel 0: So I can make a little note here as well that next under review before the under review, we can go I can go and have a bit of a chat with insurance and see if any of their products, everything has changed. And if we can at any point get you a little bit more cover to protect you and the family, something would've happened.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. If anything does change, and especially when you do go to the doctor at the end of the month, if there is any changes or anything and that you do that brings, you know, liver values back quicker or anything like that, there's changes. You don't have to wait till next time review. You can give me a call or send me an email whenever, and I'm more than\n\nChannel 1: Yep.\n\nChannel 0: happy to continue to review and reassess it for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: No no\n\nChannel 0: Now\n\nChannel 1: worries.\n\nChannel 0: yeah. So with the document here, like I said, it just shows you that strategy. So just keep those insurances for for for now anyway because you\n\nChannel 1: Yep.\n\nChannel 0: do have cover. So if you wanna have a bit of a read over it, you're more than welcome through it. Or if you are happy to sign that document, then I will save everything on file. Like I said, we're not changing anything. We are keeping it the same.\n\nIt's just giving you that showing you that we are keeping those insurances for the time being. I have also included it's called an opt in form as part of the document for you to sign, and that is just the form that we will submit through Australian Super to say that we wanna keep your insurances active. Because\n\nChannel 1: Yep.\n\nChannel 0: sometimes if there is a bit of a drop in the market, a bit of fluctuations, if the balance do drop below 6,000, they can be at risk of of lapsing sometimes, and we don't want that happening. So submitting that form just lets our super know that we wanna keep those insurances. Do not cancel them for the time being. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So do you have any questions at all there, Kyle?\n\nChannel 1: No. Yeah.\n\nChannel 0: No.\n\nChannel 1: I think we\n\nChannel 0: Yep.\n\nChannel 1: know where we're at.\n\nChannel 0: Yeah. And like I said, I will make a little note here that we will continue to review these insurances for you.\n\nChannel 1: Yep.\n\nChannel 0: And when I do speak to the insurers all the time, it's something I'll keep in the back of my mind and keep assessing with them and seeing if it is at any point that we can reassess it. And if so, I will let you know.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yep. Perfect. Otherwise, yeah, basically, if you wanna have a read through the documents, like I said, I'm more than happy to do so. If you have any questions, let me know. If not, I will just need the that signature on those two documents when you have a moment, and and I can save an action, all of that for\n\nChannel 1: Yep. Alright. Sounds\n\nChannel 0: you.\n\nChannel 1: very good.\n\nChannel 0: Yep. Yep. Perfect. But if there's anything else that you need at any point in time or like I said, when you speak to the doctor, if there's any changes,\n\nChannel 1: Yep.\n\nChannel 0: you just let me know. Okay?\n\nChannel 1: Will do.\n\nChannel 0: Yeah. Perfect. Well, thank you so much for your time this afternoon,\n\nChannel 1: Talk\n\nChannel 0: Kyle,\n\nChannel 1: to me,\n\nChannel 0: and I\n\nChannel 1: pal.\n\nChannel 0: hope you enjoy the rest of your afternoon.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.02787788212299347}],"sentiment":"neutral","sentiment_score":0.02787788212299347,"channel":1,"num_words":1,"start":0.71999997,"end":1.22},{"sentences":[{"text":"Good afternoon.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.2104211151599884},{"text":"Is this Kyle?","start":2.6399999,"end":3.46,"sentiment":"neutral","sentiment_score":0.11217671136061351}],"sentiment":"neutral","sentiment_score":0.15147447288036348,"channel":0,"num_words":5,"start":1.92,"end":3.46},{"sentences":[{"text":"Yep.","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.08853758871555328}],"sentiment":"neutral","sentiment_score":0.08853758871555328,"channel":1,"num_words":1,"start":3.84,"end":4.34},{"sentences":[{"text":"This is Veronica from McGeo 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keep those insurances for for for now anyway because you","start":642.70996,"end":646.605,"sentiment":"positive","sentiment_score":0.34640084207057953}],"sentiment":"neutral","sentiment_score":0.33015400226469394,"channel":0,"num_words":27,"start":637.82996,"end":646.605},{"sentences":[{"text":"Yep.","start":646.405,"end":646.905,"sentiment":"positive","sentiment_score":0.34957143664360046}],"sentiment":"positive","sentiment_score":0.34957143664360046,"channel":1,"num_words":1,"start":646.405,"end":646.905},{"sentences":[{"text":"do have cover.","start":646.605,"end":647.585,"sentiment":"positive","sentiment_score":0.345314880212148},{"text":"So if you wanna have a bit of a read over it, you're more than welcome through it.","start":647.965,"end":651.985,"sentiment":"positive","sentiment_score":0.5141525078150961},{"text":"Or if you are happy to sign that document, then I will save everything on 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active.","start":668.62,"end":681.415,"sentiment":"neutral","sentiment_score":0.211496172154822},{"text":"Because","start":681.795,"end":682.195,"sentiment":"neutral","sentiment_score":0.06090521812438965}],"sentiment":"neutral","sentiment_score":0.2548686164920613,"channel":0,"num_words":59,"start":662.54004,"end":682.195},{"sentences":[{"text":"Yep.","start":682.01,"end":682.51,"sentiment":"neutral","sentiment_score":0.02810126543045044}],"sentiment":"neutral","sentiment_score":0.02810126543045044,"channel":1,"num_words":1,"start":682.01,"end":682.51},{"sentences":[{"text":"sometimes if there is a bit of a drop in the market, a bit of fluctuations, if the balance do drop below 6,000, they can be at risk of of lapsing sometimes, and we don't want that happening.","start":682.195,"end":695.6,"sentiment":"neutral","sentiment_score":-0.07632428530211512},{"text":"So submitting that form just lets our super know that we wanna keep those insurances.","start":695.6,"end":700.07996,"sentiment":"neutral","sentiment_score":0.16515249013900757},{"text":"Do not cancel them for the time being.","start":700.07996,"end":702.72,"sentiment":"neutral","sentiment_score":-0.0232591200619936},{"text":"Does that make sense?","start":702.72,"end":703.86,"sentiment":"neutral","sentiment_score":0.0634178421460092}],"sentiment":"neutral","sentiment_score":-0.00546826278934112,"channel":0,"num_words":65,"start":682.195,"end":703.86},{"sentences":[{"text":"Yep.","start":704.005,"end":704.505,"sentiment":"neutral","sentiment_score":0.09915348142385484}],"sentiment":"neutral","sentiment_score":0.09915348142385484,"channel":1,"num_words":1,"start":704.005,"end":704.505},{"sentences":[{"text":"Yep.","start":704.875,"end":705.355,"sentiment":"neutral","sentiment_score":0.18156969547271729},{"text":"Perfect.","start":705.355,"end":705.855,"sentiment":"positive","sentiment_score":0.508783757686615},{"text":"So do you have any questions at all there, Kyle?","start":706.955,"end":709.695,"sentiment":"neutral","sentiment_score":0.16534839272499086}],"sentiment":"neutral","sentiment_score":0.19531978170077005,"channel":0,"num_words":12,"start":704.875,"end":709.695},{"sentences":[{"text":"No.","start":710.5,"end":711.0,"sentiment":"neutral","sentiment_score":-0.023368248715996746},{"text":"Yeah.","start":711.46,"end":711.96,"sentiment":"neutral","sentiment_score":-0.0047056954354047775}],"sentiment":"neutral","sentiment_score":-0.014036972075700762,"channel":1,"num_words":2,"start":710.5,"end":711.96},{"sentences":[{"text":"No.","start":711.915,"end":712.415,"sentiment":"neutral","sentiment_score":-0.05088580399751663}],"sentiment":"neutral","sentiment_score":-0.05088580399751663,"channel":0,"num_words":1,"start":711.915,"end":712.415},{"sentences":[{"text":"I think 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you.","start":714.955,"end":719.615,"sentiment":"neutral","sentiment_score":0.04620801808223838}],"sentiment":"neutral","sentiment_score":0.04562963689254089,"channel":0,"num_words":22,"start":714.635,"end":719.615},{"sentences":[{"text":"Yep.","start":720.005,"end":720.505,"sentiment":"neutral","sentiment_score":0.10186036676168442}],"sentiment":"neutral","sentiment_score":0.10186036676168442,"channel":1,"num_words":1,"start":720.005,"end":720.505},{"sentences":[{"text":"And when I do speak to the insurers all the time, it's something I'll keep in the back of my mind and keep assessing with them and seeing if it is at any point that we can reassess it.","start":720.18,"end":728.9,"sentiment":"neutral","sentiment_score":0.045530467079235956},{"text":"And if so, I will let you know.","start":728.9,"end":730.52,"sentiment":"neutral","sentiment_score":0.06329274969175458}],"sentiment":"neutral","sentiment_score":0.048553834332430615,"channel":0,"num_words":47,"start":720.18,"end":730.52},{"sentences":[{"text":"Yep.","start":730.805,"end":731.20496,"sentiment":"neutral","sentiment_score":0.18483446538448337},{"text":"Sounds good.","start":731.20496,"end":732.105,"sentiment":"positive","sentiment_score":0.3858378380537033}],"sentiment":"neutral","sentiment_score":0.31883671383063,"channel":1,"num_words":3,"start":730.805,"end":732.105},{"sentences":[{"text":"Yep.","start":731.7,"end":732.075,"sentiment":"neutral","sentiment_score":0.2917062044143677},{"text":"Perfect.","start":732.47504,"end":732.97504,"sentiment":"positive","sentiment_score":0.4747276902198791},{"text":"Otherwise, yeah, basically, if you wanna have a read through the documents, like I said, I'm more than happy to do so.","start":733.675,"end":739.53503,"sentiment":"positive","sentiment_score":0.38863893395120447},{"text":"If you have any questions, let me know.","start":740.075,"end":741.935,"sentiment":"neutral","sentiment_score":0.21667156741023064},{"text":"If not, I will just need the that signature on those two documents when you have a moment, and and I can save an action, all of that 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good.","start":750.92505,"end":751.745,"sentiment":"positive","sentiment_score":0.5560795664787292}],"sentiment":"positive","sentiment_score":0.5560795664787292,"channel":1,"num_words":2,"start":750.92505,"end":751.745},{"sentences":[{"text":"Yep.","start":751.93005,"end":752.09,"sentiment":"neutral","sentiment_score":0.21907316148281095},{"text":"Yep.","start":752.09,"end":752.49005,"sentiment":"neutral","sentiment_score":0.24148303270339969},{"text":"Perfect.","start":752.49005,"end":752.89,"sentiment":"positive","sentiment_score":0.412850558757782},{"text":"But if there's anything else that you need at any point in time or like I said, when you speak to the doctor, if there's any changes,","start":752.89,"end":758.27,"sentiment":"neutral","sentiment_score":0.11275270112134793}],"sentiment":"neutral","sentiment_score":0.13059098944067954,"channel":0,"num_words":30,"start":751.93005,"end":758.27},{"sentences":[{"text":"Yep.","start":759.005,"end":759.505,"sentiment":"neutral","sentiment_score":0.1105443239212036}],"sentiment":"neutral","sentiment_score":0.1105443239212036,"channel":1,"num_words":1,"start":759.005,"end":759.505},{"sentences":[{"text":"you just let me know.","start":759.005,"end":759.965,"sentiment":"neutral","sentiment_score":0.14138446599245072},{"text":"Okay?","start":759.965,"end":760.465,"sentiment":"neutral","sentiment_score":0.13375914096832275}],"sentiment":"neutral","sentiment_score":0.1401135784884294,"channel":0,"num_words":6,"start":759.005,"end":760.465},{"sentences":[{"text":"Will do.","start":761.01996,"end":761.75995,"sentiment":"neutral","sentiment_score":0.23330183327198029}],"sentiment":"neutral","sentiment_score":0.23330183327198029,"channel":1,"num_words":2,"start":761.01996,"end":761.75995},{"sentences":[{"text":"Yeah.","start":761.965,"end":762.445,"sentiment":"neutral","sentiment_score":0.22309499979019165},{"text":"Perfect.","start":762.445,"end":762.925,"sentiment":"neutral","sentiment_score":0.12389659881591795},{"text":"Well, thank you so much for your time this afternoon,","start":762.925,"end":764.84503,"sentiment":"positive","sentiment_score":0.8006609916687012}],"sentiment":"positive","sentiment_score":0.6961334596077601,"channel":0,"num_words":12,"start":761.965,"end":764.84503},{"sentences":[{"text":"Talk","start":764.62,"end":764.94,"sentiment":"positive","sentiment_score":0.7022430896759033}],"sentiment":"positive","sentiment_score":0.7022430896759033,"channel":1,"num_words":1,"start":764.62,"end":764.94},{"sentences":[{"text":"Kyle,","start":764.84503,"end":765.165,"sentiment":"positive","sentiment_score":0.5657649040222168}],"sentiment":"positive","sentiment_score":0.5657649040222168,"channel":0,"num_words":1,"start":764.84503,"end":765.165},{"sentences":[{"text":"to me,","start":764.94,"end":765.33997,"sentiment":"positive","sentiment_score":0.6695613265037537}],"sentiment":"positive","sentiment_score":0.6695613265037537,"channel":1,"num_words":2,"start":764.94,"end":765.33997},{"sentences":[{"text":"and I","start":765.165,"end":765.485,"sentiment":"positive","sentiment_score":0.5637857019901276}],"sentiment":"positive","sentiment_score":0.5637857019901276,"channel":0,"num_words":2,"start":765.165,"end":765.485},{"sentences":[{"text":"pal.","start":765.33997,"end":765.83997,"sentiment":"positive","sentiment_score":0.5371993780136108}],"sentiment":"positive","sentiment_score":0.5371993780136108,"channel":1,"num_words":1,"start":765.33997,"end":765.83997},{"sentences":[{"text":"hope you enjoy the rest of your afternoon.","start":765.485,"end":767.185,"sentiment":"positive","sentiment_score":0.6328327525407076}],"sentiment":"positive","sentiment_score":0.6328327525407076,"channel":0,"num_words":8,"start":765.485,"end":767.185},{"sentences":[{"text":"You too.","start":767.74,"end":768.45996,"sentiment":"positive","sentiment_score":0.4692967087030411},{"text":"Thank you.","start":768.45996,"end":769.19995,"sentiment":"positive","sentiment_score":0.7482634484767914}],"sentiment":"positive","sentiment_score":0.6087800785899162,"channel":1,"num_words":4,"start":767.74,"end":769.19995},{"sentences":[{"text":"Thanks.","start":769.325,"end":769.825,"sentiment":"positive","sentiment_score":0.6874790191650391},{"text":"Bye.","start":769.885,"end":770.385,"sentiment":"positive","sentiment_score":0.4631802439689636}],"sentiment":"positive","sentiment_score":0.5753296315670013,"channel":0,"num_words":2,"start":769.325,"end":770.385},{"sentences":[{"text":"See you.","start":770.62,"end":771.36,"sentiment":"neutral","sentiment_score":0.1748555228114128}],"sentiment":"neutral","sentiment_score":0.1748555228114128,"channel":1,"num_words":2,"start":770.62,"end":771.36}]},"summary":{"result":"success","short":"A representative from McGeo Financial confirms Kyle's appointment and explains that his current insurance coverage is temporarily protected until his liver function goes back to normal. The agent offers to consolidate Kyle's coverage if he is unable to get more coverage. The agent explains that they are retaining risk in their current plan and will review Kyle's investment profile to provide more information on their coverage. They suggest keeping the current plan in Australia and keeping the insurances active until the underwriting review is complete. The agent will keep Kyle's insurances active and will not risk him staying active."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, I do have a password on file. Do you know where that might be? Corteina.","start_word":78,"end_word":107,"intents":[{"intent":"Confirm identity","confidence_score":0.690106},{"intent":"Provide password","confidence_score":0.20524311}]},{"text":"I know we've kind of already been speaking about this. Last time we spoke, we were going back to Neos to see if they were revisiting any of your insurances now with the new levels and everything to see if we could push that through or whether we had to retain your Australian Super. Do you remember that conversation?","start_word":172,"end_word":230,"intents":[{"intent":"Discuss insurance issue","confidence_score":0.008559316}]},{"text":"Last time we spoke, we were going back to Neos to see if they were revisiting any of your insurances now with the new levels and everything to see if we could push that through or whether we had to retain your Australian Super. Do you remember that conversation?","start_word":182,"end_word":230,"intents":[{"intent":"Retain australian super","confidence_score":0.019233929}]},{"text":"So, basically, what I have done just to show you what it would look like is I have to send you an email with the SOA, so with the strategy. Do you have access to your emails at the moment or not really right now? Yeah.","start_word":316,"end_word":361,"intents":[{"intent":"Send email with soa strategy","confidence_score":0.3498536}]},{"text":"Now I did still do research on it to make sure that was still going to be the best option for you or if we could potentially fully consolidate our super or what the goal was.","start_word":713,"end_word":748,"intents":[{"intent":"Consolidate super super","confidence_score":0.013934142}]},{"text":"having majority of the fund in hub twenty four because that's what's going to grow and give you the most amount of growth for retirement and literally only keeping a minimal amount in or super just to keep those insurances active. Does that make sense?","start_word":785,"end_word":829,"intents":[{"intent":"Discuss financial situation","confidence_score":0.0011730363}]},{"text":"And at least, yes, it will be a little bit underinsured because we were looking at about 500,000 for life and TPD. And income protection, we were looking about 6,650 and then a little bit of trauma as well. Yep.","start_word":986,"end_word":1025,"intents":[{"intent":"Discuss health insurance coverage","confidence_score":0.0019508128}]},{"text":"So I know it wasn't ideally, we were hoping to get everything consolidated for you, but at least this way, you still have some cover, though. If something ever were to happen, you still have majority of your money in hub twenty four. That's gonna give you the most amount of growth, and we've already reviewed your investment. Yep.","start_word":1212,"end_word":1270,"intents":[{"intent":"Consolidate insurance coverage","confidence_score":0.18059431},{"intent":"Consolidate contribution amount","confidence_score":0.00060113834}]},{"text":"That's gonna give you the most amount of growth, and we've already reviewed your investment.","start_word":1255,"end_word":1269,"intents":[{"intent":"Review investment","confidence_score":0.7738778}]},{"text":"We wanna keep it in Australian Super to to keep those insurances active. But Yep.","start_word":1305,"end_word":1319,"intents":[{"intent":"Change insurance policy","confidence_score":0.0006135678}]},{"text":"So next time we catch up for you and review as well, we will look at the balance. And Yeah.","start_word":1330,"end_word":1349,"intents":[{"intent":"Review balance","confidence_score":0.3662505}]},{"text":"And I did research a lot of different options. And right now, the best option is to keep AustralianSuper and keep those insurances. Yep.","start_word":1501,"end_word":1524,"intents":[{"intent":"Keep insurances","confidence_score":0.08879244}]},{"text":"Or if you are happy to sign that document, then I will save everything on file.","start_word":1841,"end_word":1856,"intents":[{"intent":"Sign document","confidence_score":0.02705781},{"intent":"Save documents","confidence_score":0.0004453025}]},{"text":"We are keeping it the same. It's just giving you that showing you that we are keeping those insurances for the time being. I have also included it's called an opt in form as part of the document for you to sign, and that is just the form that we will submit through Australian Super to say that we wanna keep your insurances active. Because Yep.","start_word":1863,"end_word":1928,"intents":[{"intent":"Keep insurances active","confidence_score":0.2467501}]},{"text":"And like I said, I will make a little note here that we will continue to review these insurances for you.","start_word":2019,"end_word":2039,"intents":[{"intent":"Review insurances","confidence_score":0.8831972}]},{"text":"And like I said, I will make a little note here that we will continue to review these insurances for you. Yep.","start_word":2019,"end_word":2040,"intents":[{"intent":"Review documents","confidence_score":0.19950388}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Kyle? Yep. This is Veronica from McGeo Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1245080828666687},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.33548176288604736},{"text":"Yourself? Yeah.","start_word":17,"end_word":18,"sentiment":"neutral","sentiment_score":0.2488383799791336},{"text":"I'm good. Thanks.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.5888849496841431},{"text":"I had you booked in, and it's a pretty quick catch up today. Do you have a couple of minutes for me? Yep. Yep.","start_word":22,"end_word":45,"sentiment":"neutral","sentiment_score":0.19469089806079865},{"text":"Perfect.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.4057406783103943},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, I do have a password on file. Do you know where that might be? Corteina. Yep.","start_word":47,"end_word":108,"sentiment":"neutral","sentiment_score":0.07056639343500137},{"text":"Beautiful. That's exactly what I have here.","start_word":109,"end_word":115,"sentiment":"positive","sentiment_score":0.5246863961219788},{"text":"How's your day been so far? Been busy? Not really. We had family come down to visit, so it's been a pretty slack day, really. But yeah. That sounds It's nice. Well, I nice, but, yeah, yeah. hard to No.","start_word":116,"end_word":155,"sentiment":"neutral","sentiment_score":-0.050328195095062256},{"text":"get anything accomplished.","start_word":156,"end_word":158,"sentiment":"negative","sentiment_score":-0.3449808955192566},{"text":"I get that. And now like I said, Kyle, it is pretty straightforward. I know we've kind of already been speaking about this. Last time we spoke, we were going back to Neos to see if they were revisiting any of your insurances now with the new levels and everything to see if we could push that through or whether we had to retain your Australian Super. Do you remember that conversation? Yep. Yep. Perfect. And Neos have received some new medical reports from the doctor that does show that there is still a bit of a elevation in the liver function. Yep. So because it is still a bit higher than, like, the normal range, they have said that for the time being, they can't offer cover until it's back within the normal range. Yep. It was kind of what we were expecting, but it was worth trying anyway in case we could get it through. So, basically, what I have done just to show you what it would look like is I have to send you an email with the SOA, so with the strategy. Do you have access to your emails at the moment or not really right now? Yeah. I'll just have to put you on speaker. That's okay.","start_word":159,"end_word":371,"sentiment":"neutral","sentiment_score":-0.019865819703385305},{"text":"If you are happy to do so.","start_word":372,"end_word":378,"sentiment":"positive","sentiment_score":0.4347151219844818},{"text":"You there? Yes. Can you hear me? Yep. Yeah. Uh-huh.","start_word":379,"end_word":388,"sentiment":"neutral","sentiment_score":0.10674398392438889},{"text":"Perfect.","start_word":389,"end_word":389,"sentiment":"positive","sentiment_score":0.5214322805404663},{"text":"Yeah. So it should ask you to click on a link, which is, like, a request signature or sign now, something like that. It's on document. Yeah. So if you can click on that for me, it will allow you to open it up first before prompting you to sign anything. Yep. Yep. Now there is not much change because we have kind of implemented everything from the last conversation. The only change from this document through the the last one we went through is that we are now keeping about 15,000 Australian super for you temporarily Yep. just for your insurances. So if you can scroll down to for me, because a lot of it, we have kind of gone through already. But if you can scroll through to page 12, you should have a superannuation projection. Yep. Page 12. Yeah. Can you see a little table there? Yep. Yeah.","start_word":390,"end_word":540,"sentiment":"neutral","sentiment_score":0.12750214338302612},{"text":"Perfect.","start_word":541,"end_word":541,"sentiment":"positive","sentiment_score":0.3868296444416046},{"text":"So you can basically see here that there is no changes to current and recommended. It's exactly the same. This is just putting it in in this document for you to show you that we are retaining about that 14,962, which is what you have in Australian Super at the moment. And the Yep. only reason we are doing that is to keep your insurances active for the time being. As soon as your liver functions do go down to normal range, we can revisit everything for you. But in the meantime, I don't wanna leave you uninsured. So I wanna make sure Yep. you have some cover in place for the time being. Now we're not changing your risk profile facing growth, not changing any of your investments. We kind of went through all of that earlier in February. So Yep. not changing any of that. Literally just showing you that you have documented as well that for the time being, we are retaining a little bit in our super. Now I did still do research on it to make sure that was still going to be the best option for you or if we could potentially fully consolidate our super or what the goal was. And Hub twenty four, because it allows so much more flexibility with investment, It just wasn't going to put you in as good of a position than having the way that it is now. So Yep.","start_word":542,"end_word":784,"sentiment":"neutral","sentiment_score":0.10882527519155431},{"text":"having majority of the fund in hub twenty four because that's what's going to grow and give you the most amount of growth for retirement and literally only keeping a minimal amount in or super just to keep those insurances active.","start_word":785,"end_word":825,"sentiment":"positive","sentiment_score":0.4596805274486542},{"text":"Does that make sense? And do you kind of remember that conversation? Yeah. That makes Yeah. sense. My problem is Yeah.","start_word":826,"end_word":846,"sentiment":"neutral","sentiment_score":0.017726028338074684},{"text":"that, like, my blood test has been showing me I've got liver problems for, like, a year and a half. I've seen no improvement whatsoever, even though I've cut back on alcohol considerably.","start_word":847,"end_word":879,"sentiment":"negative","sentiment_score":-0.3855685591697693},{"text":"Yeah. I've had scans on my liver liver that said it was there was no issues there whatsoever. So I'm not Yeah. confident Yeah. that my blood tests are ever going to be okay. Yeah. Is there anything that doctor says or can do to bring it down at all? I'm not sure. I've got a doctor's appointment Okay. on the twenty second, I think it is. Okay. Of June? Yeah. Yep. Yeah. Okay. And, yeah, hopefully, it will. If not, the way because I did check with other insurers at the moment. And because it is still high, they just won't offer anything else. Yep. And at least, yes, it will be a little bit underinsured because we were looking at about 500,000 for life and TPD. And income protection, we were looking about 6,650 and then a little bit of trauma as well. Yep. And, yeah, at the moment, based on the reports and everything, we we wouldn't was not able to get that. You still have cover in place, though. It's not as much as Yep. we initially wanted. We wanted to get you a bit more. But if something were to happen, you still have a 174,000 worth of life. There's also a 122,000 worth of total permanent disability, and there Yep. is also that income protection. The income protection is about 3,000 a month. So, obviously, a little bit less than we were looking at, but it's still a lot better than anything. Yep. And looking at, yeah, other covers, the the retail cover wasn't available. And what you have with our super is competitive to, like, other group cover. And if you were to look at other group cover as well, a lot of them would, also sometimes preexclude existing conditions for a few years, which we don't want. Because if Yep. something were to happen, we wanna make sure you have the most comprehensive option available for you based on your situation right now. Yep. So I know it wasn't ideally, we were hoping to get everything consolidated for you, but at least this way, you still have some cover, though. If something ever were to happen, you still have majority of your money in hub twenty four. That's gonna give you the most amount of growth, and we've already reviewed your investment. Yep. Do you have a question? I guess, Mhmm. you know, my I'm still paying my super into Correct. Australian super. Is that what I should still be doing, or should Correct. that get changed? We wanna keep it in Australian Super to to keep those insurances active. But Yep. what we will do is what we did in February. So next time we catch up for you and review as well, we will look at the balance. And Yeah. if it's still the best for you at the time as well, we will just do, like, partial rollovers. So we will Yeah. continue to move money from our super as long as it's still the best into hub twenty four because I don't want Australian super to get through, you know, '20 or 30 if it's not gonna give you the same amount of growth as hub twenty Yeah. four. We wanna make sure we have the most amount in hub twenty four. Yep. But, yeah, keeping contributions there, it just means that those insurances will stay active, and we won't risk them lasting or anything like that, which we don't want. Yep. So that's a very good question, though. Do you have any other questions for me there, Kyle? Not right now. Yeah. No. Yeah. Yeah. I don't really know what else to do at this stage. So Yeah. And I did research a lot of different options. And right now, the best option is to keep AustralianSuper and keep those insurances. Yep. That's not to say that that's always going to be the case. I know you said, you know, their liver value might not ever go down. We might depending on what the doctor says, but the insurers also change products and features all the time. So it's Yep. something that we can always reassess with all of them on a regular basis to see, okay, is someone now willing to consider it, especially because there has been quite a bit of time since, obviously, everything as well. And then sometimes the longer the time goes, the more comfortable they are, especially if there's no other medical issues or anything like that. Yep. So I can make a little note here as well that next under review before the under review, we can go I can go and have a bit of a chat with insurance and see if any of their products, everything has changed. And if we can at any point get you a little bit more cover to protect you and the family, something would've happened. Yeah. Yep. If anything does change, and especially when you do go to the doctor at the end of the month, if there is any changes or anything and that you do that brings, you know, liver values back quicker or anything like that, there's changes. You don't have to wait till next time review.","start_word":880,"end_word":1757,"sentiment":"neutral","sentiment_score":0.04593677537044794},{"text":"You can give me a call or send me an email whenever, and I'm more than Yep. happy to continue to review and reassess it for you.","start_word":1758,"end_word":1784,"sentiment":"positive","sentiment_score":0.5030019879341125},{"text":"Yep. Yep. No no Now worries. yeah. So with the document here, like I said, it just shows you that strategy.","start_word":1785,"end_word":1805,"sentiment":"neutral","sentiment_score":0.2569196820259094},{"text":"So just keep those insurances for for for now anyway because you Yep.","start_word":1806,"end_word":1818,"sentiment":"positive","sentiment_score":0.34663546085357666},{"text":"do have cover.","start_word":1819,"end_word":1821,"sentiment":"neutral","sentiment_score":0.32205986976623535},{"text":"So if you wanna have a bit of a read over it, you're more than welcome through it.","start_word":1822,"end_word":1839,"sentiment":"positive","sentiment_score":0.540452241897583},{"text":"Or if you are happy to sign that document, then I will save everything on file. Like I said, we're not changing anything. We are keeping it the same.","start_word":1840,"end_word":1868,"sentiment":"neutral","sentiment_score":0.1985249221324921},{"text":"It's just giving you that showing you that we are keeping those insurances for the time being.","start_word":1869,"end_word":1885,"sentiment":"positive","sentiment_score":0.37183666229248047},{"text":"I have also included it's called an opt in form as part of the document for you to sign, and that is just the form that we will submit through Australian Super to say that we wanna keep your insurances active. Because Yep. sometimes if there is a bit of a drop in the market, a bit of fluctuations, if the balance do drop below 6,000, they can be at risk of of lapsing sometimes, and we don't want that happening. So submitting that form just lets our super know that we wanna keep those insurances. Do not cancel them for the time being. Does that make sense? Yep. Yep.","start_word":1886,"end_word":1995,"sentiment":"neutral","sentiment_score":0.07097505778074265},{"text":"Perfect.","start_word":1996,"end_word":1996,"sentiment":"positive","sentiment_score":0.508783757686615},{"text":"So do you have any questions at all there, Kyle? No. Yeah. No. I think we Yep. know where we're at. Yeah. And like I said, I will make a little note here that we will continue to review these insurances for you. Yep. And when I do speak to the insurers all the time, it's something I'll keep in the back of my mind and keep assessing with them and seeing if it is at any point that we can reassess it. And if so, I will let you know. Yep.","start_word":1997,"end_word":2088,"sentiment":"neutral","sentiment_score":0.04838461056351662},{"text":"Sounds good.","start_word":2089,"end_word":2090,"sentiment":"positive","sentiment_score":0.3747520446777344},{"text":"Yep.","start_word":2091,"end_word":2091,"sentiment":"neutral","sentiment_score":0.2917062044143677},{"text":"Perfect. Otherwise, yeah, basically, if you wanna have a read through the documents, like I said, I'm more than happy to do so.","start_word":2092,"end_word":2114,"sentiment":"positive","sentiment_score":0.3908664286136627},{"text":"If you have any questions, let me know. If not, I will just need the that signature on those two documents when you have a moment, and and I can save an action, all of that for Yep. Alright.","start_word":2115,"end_word":2153,"sentiment":"neutral","sentiment_score":0.20995782315731049},{"text":"Sounds you. very good.","start_word":2154,"end_word":2157,"sentiment":"positive","sentiment_score":0.5119526982307434},{"text":"Yep. Yep.","start_word":2158,"end_word":2159,"sentiment":"neutral","sentiment_score":0.2302781045436859},{"text":"Perfect.","start_word":2160,"end_word":2160,"sentiment":"positive","sentiment_score":0.412850558757782},{"text":"But if there's anything else that you need at any point in time or like I said, when you speak to the doctor, if there's any changes, you Yep. just let me know. Okay? Will do. Yeah.","start_word":2161,"end_word":2197,"sentiment":"neutral","sentiment_score":0.1271205693483353},{"text":"Perfect. Well, thank you so much for your time this afternoon, Talk Kyle, to me, and I pal. hope you enjoy the rest of your afternoon. You too. Thank you. Thanks. Bye. See you.","start_word":2198,"end_word":2231,"sentiment":"positive","sentiment_score":0.6327945923104006}],"average":{"sentiment":"neutral","sentiment_score":0.09561814166727696}}}}