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Or oh, okay. That's okay. I can pull them up real quick if you like and just run you through them. I do apologize that that didn't come through. Yeah. No. That's okay. You're yeah. That's honestly okay. Yep. Interesting. Because it definitely sent them through. I can see them in my sandbox, but, honestly, that's okay. It was sent the same day that I sent the other email to you. There was two emails that was sent. One had the quote, which I just re forwarded through, and then the other one had just that follow-up there. But that's okay. You're honestly fine. Do not worry in any way, shape, or form. Look. What I'll do is I'll pull them up, and we'll have a bit of a quick chat if you've got a few minutes now. And then you can let me know what you wanna do just so I can get things sorted for you. How does that sound? Yeah. Excellent. All good. So I'll just pull them up real quick. So sorry. My computer's a little bit slow this morning. Oh, yeah. I am through today. I did my back in on the weekend, so I was like, can I work? It's better to work from home. That way, I don't have to drive to the office. Okay. So at the moment, just looking at your current policy there at the moment. So we were mostly just looking at the income protection side of things, I believe. You do. Yeah. Yeah. Absolutely. Just the increasing. Yeah. Absolutely. So if I pull up the quote here, we've got these were done there we go. The third of the sixth twenty twenty six. Income protection. Beautiful. Okay. That's honestly not an issue at all. Just trying to I also saved into your file here, so I should be able to bring them up fairly easily. Okay. Here we go. So income protection. Two. No. No. Has something come through? Or no? That's really interesting. That's it. No. No. No. No. Sent it a couple of weeks back, but, honestly yeah. That sounds about familiar because when was this last one yeah. The last one was on June 3 as well. So I sent both those emails on June 3. It's okay. Honestly, it's not a problem at all. So, essentially, just having a look at where we are at the moment. So income we had so I have a look at your last tax plan we talked about as well. Because what's your income at the moment there? Yeah. About 70,000? Okay. All good. So, realistically so 70 thousand. Oh, that's okay. Are you? Yeah. No. That's no. It's just amazing that living expenses have just gone up so much. The cost of everything is just horrendous at the moment, so it does make it very, very difficult. Okay. So having a look at the last certificate of currency we have here, your current income protection policy has some insured of where are we? Income protection. Oh, it doesn't have it at all. So at the moment, you've only got the life and TBD. Perfect. So sorry. Now I have everything in front of me here. So you don't have any income protection at the moment. You've only got the the life and the TPD covered there. So what we were sort of talking about when I go back over my notes, I do apologize, essentially looking at trying to get some income protection to cover you. So income protection can essentially cover up to 70% of your monthly income. So if we have a look at what you're on now, 70% of that 70,000 on a yearly basis, 7,000 means that we would need to have a monthly benefit amount of about 4,083. Having a look at part. Oh, my earphones are all black. Can you hear me okay, Natalie? Yeah. Beautiful. So the phone just sound like it was cutting out. It was beeping a little bit on me, so I've just taken my earphones out. So the income we had on the last of the quotes was actually about 65,900. So your income's definitely gone up from when we spoke last time, which is good. That means you've had an increase. That's fantastic. So I'm actually just going to pop into Neos really quickly just to generate a real simple quote just to give you a bit of an idea of what this looks like. And then if you want yeah. Absolutely. Yeah. Of course. Definitely. Definitely. No. Understandable. So what I can do is I can I'm jumping into Neos now just to have a really quick look at adding the income protection onto your policy to look at what that might cost wise. Yeah. So we'll probably look to just add the policy with the current insurer you have. I will go back and just look at other insurers as well just to see if anyone else offers, you know, the policy cheaper in any way, shape, or form. I mean, there's nothing wrong with having another insurer with just the income protection, but they tend to offer what's called a multi policy discount. So if you have all three policies with the same insurer, they tend to then offer a bit of a discount. So it does kinda work out a bit cheaper that way, but this is just this system is just great today. It's not working for me at all. I love technology when it wants to work for. I'm just gonna do a brand new quote just to have a look at the income protection. But what I can do is once we kind of have this quote and I go back and just have a look at everything alongside, you know, your current insurances, look at what your your super has been doing, I'm also reviewing I also did some research and had a look at the investments and how they're structured for you as well. So we can I definitely wanna update the investments for you because there are some better performing investments out there that have done a bit better that could put you in a much better position? So I'll essentially look at all of that together with the cost of the insurances and also then just, you know, show you as part of the advice document what that looks like, how that affects you, what the projected outcome over the next, you know, five to ten years looks like. That way, you've got an informed decision. You can see everything as a total. Does that make sense? Yeah. Beautiful. Are you a smoker or nonsmoker? Smoker? Okay. Beautiful. And what's your job at the moment? What do you do? Hard. So more of an admin worker. Yeah. Beautiful. I'll put it down as an office only. You don't sort of do a lot of out in the field work, do you? No. Beautiful. Beautiful. Okay. And 03/09/1977 is your date of birth. That's beautiful. So looking at income protection, based on income of 70,000, It gives us a monthly sum insured of $4.00 $8.03, which is great. Paid out a super to make it more cost effective for you. Now we have a couple of options. One of them is the as a waiting period. This is how long you need to be off work before you can make a claim. Realistically, having a shorter benefit waiting period, sorry, is more preferable because you don't have to wait as long to make a claim. They allow these from about four weeks. So if I choose the lowest waiting period for you and we just look at a two year benefit period, the benefit period is how long you can be on a claim for. So say if you were, you know, to break your leg and not be able to go to work, you can be on a claim for up to two years. If that claim continues past two years and you still can't go back to work, the insurer stops paying when that benefit period stops at two years, and we just have to find another way to cover expenses. That is the cheapest option. It is showing per year. I'm gonna make it yes. So per year, it'd be about $1,534. So $1,534 on top of your current insurances. If you go for a five year benefit period, it's about 2,117. So it adds between 1,500 to 2,000 on top of your current cover to have that income protection policy there. Yeah. Honestly, I think, you know, it's about making sure that you do have a level of cover that is supporting you. You know, the risk of given your circumstances, you know, having a look at the fine here and your circumstances, having a bit of income protection to fall back on is by no means a bad thing. I think it does just provide you with a little bit of extra cover in the event that something was to happen. Because the biggest thing is if you were off work, you've kinda got nothing much to fall back on. So it's about just making sure you can claim. That's exactly right. Yeah. Absolutely. Yeah. So if you like, what I could do is I'll go back. I'll review all the other insurers out there as well as this one. I can make a recommendation on that income protection policy for you. I'll add it into the advice document with the change of the with the change of the investments and show you how this affects you over the next couple of years. What this also does is we also, you know, want to make sure that this is reviewed. So the level of cover you have now, you might not need that much cover next year or the year after, so we might be able to reduce that back. You also don't need the insurances past the age of 60 with the income protection side of things. So we could definitely look at, you know, reducing that back down the track. It's more just making sure you've got that cover now. Yeah. Well, when you turn 60, if you're unable to work, you axe you can access your super. So the earliest we're able to access super under legislation at the moment is if we turn 60 and stop working, so fully retired. So that means if you, you know, break your leg or you break your back, you know, unable to work after 60, you've met that condition of release. So, theoretically, beyond the age of 60, we don't really need to worry about income protection because we can use our super if we need to to draw down income or to cover expenses if we're not able to work. So that is that is a benefit. We would only realistically need to hold this cover for the next sort of ten years. The downside to income protection is it does get more expensive. These premiums start cheaper now, and then as you get older, because the risk of you claiming increases and income protection's the first cover that most people claim on, it does get very expensive. So we would review the level of cover you have if you find it's too much, it's not working, you don't want it anymore, we can always cancel it. It is absolutely fine. But I'd probably be more yeah. Sorry. Yep. Yep. Absolutely. Yep. I'll do all that with you. All of you you see for annual insurance, there's a level of cover you have, how things have been working, and just review that every year. We'll even do a catch up once every six months if you like just to see how things tracking for you as well. Yeah. Absolutely. Yep. Honestly yeah. So, realistically, most claims 90% of claims are dealt with within the first two years. So there's nothing wrong with a two year benefit period as long as you're comfortable with the risk that if something happened drastic, like, you know, you were yeah. You're right. Yeah. No. Yeah. No. That's okay. I also just I'm having a quick look back at your last file as well. So just sort of looking at when we last would have done a pre assessment with you, it doesn't look like we have done one in the past. Can I do a quick pre assessment with you as well just to see if there would be any exclusions or loadings that might be added to the policy as well? Yep. Beautiful. I'm just pulling up the document. Pre assessment. There we go. Beautiful. So this is just a bit of a a lifestyle and medical questionnaire. This kinda gives me an idea of what might be offered, what exclusions might be on the policy. So the fun the fun thing about insurances is, you know, if there's any preexisting conditions, they generally won't cover you for them. So it's the same thing if you had your car insurance and, you know, you went to there was a storm coming. We can't call the insurance and say, hey. There's a storm on its way. I wanna protect my car against hail damage. They won't do it. It's preexisting. It's or the risk is already there, and the likelihood of claiming is much higher. So the same thing happens, you know, if we've had back injuries or knee injuries in the past. If they're fairly recent or ongoing, they're more likely to exclude those from the policy, so you can't claim on those sort of things. And that's because the risk of you claiming is so much higher. They like to, you know, try to reduce the risk level as much as possible. But I'll run through these with you just to kinda get an idea of how everything looks. Now a couple of bizarre questions to begin. Have you ever been on a part nine debt agreement or bankrupt? Beautiful. Excellent. Do you have any qualifications for your role? Have you been to uni or got any degrees or qualifications? Nope. That's okay. Not a problem at all. Now would you say that your duties are a 100% administration or a bit less? 100%? Yep. Beautiful. Do you do any domestic travel for work? Nope. That's okay. You probably wouldn't do any hazardous activities going underground or using explosives or anything crazy as part of your role. Do you intend to change your occupation within the next twelve months? Right. Beautiful. Do you have a secondary job? Yep. What is it that you do as a secondary role? Okay. Yep. Beautiful. Okay. Beautiful. Yep. Yep. That's okay. No. That's okay. It's more just a home duty. You're just providing assistance to clients once a week, and you do that every week? Yep. Yep. And how many hours would you do each each Saturday? Six hours. Beautiful. With this one here, they may change the occupation rating of it because you do do some in home assistance for a client. So that may add a little bit of risk to the policy, and so just in admin workers, so it may increase the cost of things. I will go back as part of the advice, and I will have a look at the the contracts offered and see what that look like. And I'll add all of this into the advice document for you so you can read it and see it all in writing. Is that okay? Yep. Beautiful. Do you have any plans to travel overseas or an overseas travel booked in the next twelve months at all? Yeah. Nice. Whereabouts are you heading to? Oh, nice. I've had it's beautiful. Oh, nice. Lovely. And how long will you be there for? Two weeks. Beautiful. Oh, well, you enjoy that. That sounds amazing. What date are you leaving? July 17. Beautiful. Yep. Beautiful. Thank you for that. Excellent. Do you participate or play in any hobbies or pastimes or sports? Just the gym. Beautiful. And how often do you go? Four days a week. Beautiful. Excellent. And you've yeah. Understandable. And you've confirmed that you are a smoker as well? Yep. How many would you say you would have smokes on a daily basis? Eight to 10. Yep. Depending on the day and how stressful it is. Yeah. Difficult. Absolutely. Yeah. No. Of course. Yeah. Yeah. No. It's a lot to to have to to listen to. I I completely understand, but you always try to take with a grain of salt. But, you know, sometimes it's just hard to take on a lot of the stress that people are feeling and, you know, it it's difficult. No. I completely understand. It's part of our job. We listen to a lot of, you know, what's happening in people's lives and really try to understand a lot of hardship and things like that, and it's it's definitely not easy. You tend to wanna you you tend to empathize and sympathize a lot with people and start to take on a lot of those feelings, and sometimes it just sits with you. So I absolutely understand. Yeah. The next one here is, have you ever taken any illicit drugs? Beautiful. Love that. Oh, no. No. That's okay. It's more just looking at, you know, have you had marijuana, cocaine, meth, things like that. No. All good. On, say, a weekly or fortnightly or even a monthly basis, would you drink alcohol? And if so, how many would you have? Yep. Oh, yeah. They ask on a weekly basis, but if you don't drink every week, if you would average it out on a monthly basis, that's absolutely fine. Per per month? Yep. Beautiful. Excellent. And do you know roughly what your height and weight would be? Yep. Yep. Two. Five five. That's okay. What do you think your weight might sort of be roughly? Three seventy five. Yep. Perfect. Thank you. Yep. Yeah. That's absolutely fine. So we'll say five point five, and then weight is about seventy five. Excellent. And have you lost any large sums of weight to say more than 10 kilos over the past twelve months? No. So do I. There we go. Excellent. The next one here is just asking so, actually, I don't need to worry about those ones, so it's okay. The next one I hear are all of them, your medical history. So just kind of, you know, looking back and has any have you been diagnosed with or sought treatment for any of the below? Is this the list? So I'll just run through the list. If you can just say yes or no. Some of them are a bit deep, and I'm very, very sorry. I'll go very simple very easily on these ones. Okay. The first one here is stress, anxiety, depression, or any mental health disorders. No. Excellent. Any skin cancers, tumors, lesions, cysts, or moles? Nope. Any back or neck pain, any sciatica, spondylitis, any pain with the ligaments, tendons, any injuries around those areas, gout or arthritis? No. Beautiful. Any sciatica, spondylitis, or other back and neck problems? No. Any HIV, hep b, or c? Nope. Any blood conditions. Nope. Any previous surgeries over the past one to two or three years. Nope. Any cancers. Nope. Any asthma or respiratory conditions? Any disease of your eyes or ears? No. Any high blood pressure or high cholesterol? Any skin conditions or diabetes? Any thyroid conditions? Or anything else in this list we haven't touched on? No. Beautiful. I love that. No for everything. The next one here is have you ever had or have you had any abnormal pap smears? No. Fantastic. Any abnormal vaginal bleeding in the last twelve months at all? And do you have mammograms at the moment? I haven't had one yet. That's okay. Beautiful. It's really good that you've said no to all of those. The next couple are just family history. So have any of your immediate family, so your mother, father, brother, or sister, been diagnosed with or suffered any of the following before the age of 60? So after 60, they're not worried just before the age of 60. 60. Has anyone had suffered or been diagnosed with a heart attack, heart disease, or stroke? No. Muscular sorry. Multiple sclerosis, Parkinson's, or Alzheimer's? Muscular dystrophy, Huntington's motor neurone disease, any bowel cancer, melanomas, Before the age of 60. Six zero. Yeah. Yep. Yep. All good. Any polycystic kidney disease? Nope. Any breast or ovarian cancer? Any mental health conditions? Any cardiomyopathy? Is it around the heart, the heart conditions? Nope. Lovely. Any diabetes? No. That's okay. That would've very recent would be after 60, so that's absolutely fine. Yep. Okay. Perfect. So it's really good, and he's doing really well with it. That's good. Oh, that's beautiful. Yeah. Oh, I'm glad they're doing really well and getting out there and enjoying their life. That's really important. Yep. When was he diagnosed? You know? Also, after the yes. After he turned 60. Yep. No. That's that's okay. They won't worry too much about that, which is good, but I'm glad that he went through that and come out the other side, and he's having those regular checkups. Oh, good stuff. Isn't that ironic? Wow. Yeah. Wow. And they go there. Wow. No. Wow. Yeah. Of course. Yeah. Yeah. Of course. Yeah. Absolutely. Yeah. Oh, really good. That's really good to hear. I'm so glad. Fantastic. The last one on that list is any other conditions that they would have been diagnosed with or suffered from before the age of 60 that we haven't got on that list. Okay. Yep. Okay. Yep. Okay. In a bit of pain. Yeah. No. That's absolutely that's absolutely okay. Thank you so much for that. That is essentially the entire preassessment. Look. The good news is there is nothing that's really flagging that might be an issue. The only thing I can sort of see here is they may change. So with the quote that we had drawn up, that was looking at you being a 100% administration worker, whereas they may assess it more as, like a support worker, which is a little bit more of a risky occupation and can affect the premium slightly. But what I'll do is I'll go back and have a look at the premiums as what they're gonna probably offer based on that. I'll check with the insurers directly. I'll look at Neos as we have today, but I'll also look at any other insurers and try to make the insurance costs as cheap as possible for you while still making sure you have that level of cover that you're after. Is that okay? Beautiful. And I'll update the advice document to show what we're gonna do with the investments to make sure things are working harder for you down the track and also looking at the insurances. So you can see everything nice and clear in writing. We'll go through the advice document together, and then you'll also get to take that back and have a really good read of it and let me know whether you're happy to take the recommendations or not. Does that sound okay? Yeah. So let's book in a time now. I've got most of the research all completed. I just need to follow-up on the insurance side of things. So I'll just go into my calendar. I can have it all ready to go in around about two weeks just because it's the end of financial year. It's really busy at the moment with contributions. So that would put us on essentially the week of the Monday, June 29. What day suits you best that week do you think? Any day? Yep. That's okay. Absolutely. Did you want to make it sort of afternoon or morning? So I work until 06:00 Monday, Tuesday, Wednesday. Thursdays, I do actually work until 7PM, sometimes a bit later. I could do it Thursday night if you wanted. Yep. Beautiful. Yep. Absolutely. Yeah. Definitely. So if I did you want 05:30? Perfect. Absolutely. Yeah. That's okay. I'll send a little email now just with the follow-up there just to let you know that booking time is being set. That's all good to go. So that's Monday the sorry. Wednesday, July 1. That is crazy how fast this year is going. And that's at 05:30PM there for your statement of advice presentation. I'll have that all ready to go. I'll email you the document when I'm on the phone with you so then you can go through it with me. You can see all the pages, ask any questions that you have, and then you'll get some time afterwards to read it before you decide to take the advice or not. Okay? All good. Do you have any other questions, anything? Yeah. Yeah. Yeah. That's absolutely fine. That's honestly not a problem at all. Yeah. Absolutely fine. It's something that I think we're all kinda looking at the moment, isn't it, how home loans and if they're gonna continue going up. Yeah. Yep. Okay. Yep. So that's just essentially it's just an option of who we can utilize, we can refer you through to just to kind of start the conversation. I always like that little brochure that we send through just to kinda give you an idea of what the cost thing might look like so you can sort of see if that works within your budget. But it also kind of you know, if you've got a local solicitor, you can always go on to them and say, hey. What do you charge to do a will and a power of attorney? You know, what's your costing look like? And just compare it. Yeah. Yeah. Yep. Yep. No. That's okay. I'm so sorry that last email didn't come through. I do apologize. I'll have to find it for my IT because I can see it sent. So I'll find it for my IT if there was an issue with it. Sorry about that. It's all okay. It's okay. We got to sort it all today for you, and, yeah, I've got a good base to get some advice done to update everything for you as well. Okay? Yeah. Yep. Yep. It is. Yeah. Look. There are other types of insurances that you can have. The three main that you can pay for in super are life, TBD, and income protection. There are other insurances that you can hold, like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a large traumatic condition like cancer, Parkinson's. Trauma, you can't hold inside super. It is an out of pocket cost, So a lot of people don't really wanna hold or have trauma because they have to pay for that out of their back pocket. If you wanted me to, I could show you what a recommendation for trauma looks like and add that in, but it all comes down to whether you've got, you know, expendable income or whether you're finding it's a bit tough or whether you wanna see trauma. Did you wanna no. That's okay. Yeah. So TBD is total permanent disability. It pays out in the event you're unable to ever go back to work again. Yeah. It's it's connected too. So you've got your life insurance cover, and then your TPD is attached to that. Yeah. So they're linked together, basically, but they are two separate policies. Yeah. Yeah. Yep. Yep. Yeah. Yeah. That's okay. I'm just going back into your file inside the Neos to look at the certificate of currency just to see. Because I know last time we spoke, there may have been an increase in your policy since then. So I'm just gonna pop in here real quick and just give you an updated amount on how much cover you have. Find it. There we go. Beautiful. So there we go. Okay. So at the moment, do we have payments? Nope. Summary. Policy schedule, and that was from late last year. So it should be exactly the same because the last policy schedule, it looks like your policy renews at the end of the year then around about October. Let's see. Schedule. Just gotta pop into it. It needs my little code. Doesn't wanna let me in. That's okay. It is not a problem. Let's go. Yes. So from what I can see, the level of cover that we have here at the moment, this is the last policy schedule. Premium renewal date is around about the eleventh of the twenty fourth of the eleventh. So it kinda goes to renewal time every November. So the last renewal went through on November last year, and that essentially shows that your updated pre your updated sum insured for your life and TBD, you're currently covered for 327,302. Are you fairly happy with that level of cover at the moment? Did you wanna kinda look at the life and TPD? Or that's okay? Yep. Beautiful. Not a problem. Well, I'll go back and just finish that insurance research for you. I'll update the advice document with you're at sorry. Yep. It's three hundred and 27302. Yeah. Yeah. So TBD, to give you a little bit of context, like, if you with the life cover, you have that same sum insured. So if you pass away, your beneficiaries receive the $3.27 $3.00 2 plus your super benefit on top of that. With TBD, unfortunately, it is considered a taxable payment. So if you claim PPD and never able to get back to work again and you withdrew the full benefit amount, the $3.27 $3.00 2, unfortunately, the ATO and the super system does charge tax on that, and you pay tax that's up to 22%. It could be less. There's a whole big fund math equation that helps them to work at how much tax is payable. But if you were to claim on that payment, also, if you were to claim TPD, we would provide financial advice on how to, hopefully, reduce the tax as much as possible, but also how to draw out the payments or however much you need so that you can live and survive. We'd also claim, you can claim incapacity against your super. So if you take your TBD out, you can also access your super money as well. So we would provide advice on how to limit the amount of tax, how to keep money invested, and to hopefully draw a bit of an income so that things last and also stay invested for you. Sorry. You're right. It is. Yeah. It is. It's something that's not very well known. I've come across quite a lot of people in the past who've gone, yeah. I had TPD, and I claimed it, and they took so much tax, and I didn't know anything about the tax. I was like, yes. Unfortunately, when we're under 60, they do charge tax. If you held TPD when and you're older than 60, there's no tax on the the payout whatsoever. So it's more just if we access under the age of 60, there are tax consequences for it. Yeah. They see us all coming, unfortunately. Yeah. That's okay. Yeah. No. That's alright. If you ever have questions, let me know. Please email me back if there's anything else. I'll, dump on it nice and quickly for you. Okay? Oh, good. Yeah. Yep. Yeah. I'll send you an email now with that time and date there so you've got that in your email. Okay. Yep. Absolutely. I'll send a text message reminder. I can set it up so it sends you a message about two hours prior. Would that be okay? Yep. Send a text message two hours prior just to remind you I'll be giving you a call. Okay. Yeah. You're on the same time zone as us now. So, yeah, we're all good. Yeah. I know. Not yet. I know. Anytime. Not a problem at all. If there's anything else, let me know. In the meantime, I'll get stuck into this little bit of research, and I'll get the advice ready to go for you. Yes. Yes. Absolutely. Yep. Perfect. Will do. Thank you so much, Natalie. Enjoy your day. See you later. 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morning. This is Dana. I'm good, Natalie. How are you today? Yeah.\n\nYeah. I did. Yes. Yeah. We sent you another email that had the quotes attached.\n\nDid you not get that one yet? Or oh, okay. That's okay. I can pull them up real quick if you like and just run you through them. I do apologize that that didn't come through.\n\nYeah. No. That's okay. You're yeah. That's honestly okay.\n\nYep. Interesting. Because it definitely sent them through. I can see them in my sandbox, but, honestly, that's okay. It was sent the same day that I sent the other email to you.\n\nThere was two emails that was sent. One had the quote, which I just re forwarded through, and then the other one had just that follow-up there. But that's okay. You're honestly fine. Do not worry in any way, shape, or form.\n\nLook. What I'll do is I'll pull them up, and we'll have a bit of a quick chat if you've got a few minutes now. And then you can let me know what you wanna do just so I can get things sorted for you. How does that sound? Yeah.\n\nExcellent. All good. So I'll just pull them up real quick. So sorry. My computer's a little bit slow this morning.\n\nOh, yeah. I am through today. I did my back in on the weekend, so I was like, can I work? It's better to work from home. That way, I don't have to drive to the office.\n\nOkay. So at the moment, just looking at your current policy there at the moment. So we were mostly just looking at the income protection side of things, I believe. You do. Yeah.\n\nYeah. Absolutely. Just the increasing. Yeah. Absolutely.\n\nSo if I pull up the quote here, we've got these were done there we go. The third of the sixth twenty twenty six. Income protection. Beautiful. Okay.\n\nThat's honestly not an issue at all. Just trying to I also saved into your file here, so I should be able to bring them up fairly easily. Okay. Here we go. So income protection.\n\nTwo. No. No. Has something come through? Or no?\n\nThat's really interesting. That's it. No. No. No.\n\nNo. Sent it a couple of weeks back, but, honestly yeah. That sounds about familiar because when was this last one yeah. The last one was on June 3 as well. So I sent both those emails on June 3.\n\nIt's okay. Honestly, it's not a problem at all. So, essentially, just having a look at where we are at the moment. So income we had so I have a look at your last tax plan we talked about as well. Because what's your income at the moment there?\n\nYeah. About 70,000? Okay. All good. So, realistically so 70 thousand.\n\nOh, that's okay. Are you? Yeah. No. That's no.\n\nIt's just amazing that living expenses have just gone up so much. The cost of everything is just horrendous at the moment, so it does make it very, very difficult. Okay. So having a look at the last certificate of currency we have here, your current income protection policy has some insured of where are we? Income protection.\n\nOh, it doesn't have it at all. So at the moment, you've only got the life and TBD. Perfect. So sorry. Now I have everything in front of me here.\n\nSo you don't have any income protection at the moment. You've only got the the life and the TPD covered there. So what we were sort of talking about when I go back over my notes, I do apologize, essentially looking at trying to get some income protection to cover you. So income protection can essentially cover up to 70% of your monthly income. So if we have a look at what you're on now, 70% of that 70,000 on a yearly basis, 7,000 means that we would need to have a monthly benefit amount of about 4,083.\n\nHaving a look at part. Oh, my earphones are all black. Can you hear me okay, Natalie? Yeah. Beautiful.\n\nSo the phone just sound like it was cutting out. It was beeping a little bit on me, so I've just taken my earphones out. So the income we had on the last of the quotes was actually about 65,900. So your income's definitely gone up from when we spoke last time, which is good. That means you've had an increase.\n\nThat's fantastic. So I'm actually just going to pop into Neos really quickly just to generate a real simple quote just to give you a bit of an idea of what this looks like. And then if you want yeah. Absolutely. Yeah.\n\nOf course. Definitely. Definitely. No. Understandable.\n\nSo what I can do is I can I'm jumping into Neos now just to have a really quick look at adding the income protection onto your policy to look at what that might cost wise. Yeah. So we'll probably look to just add the policy with the current insurer you have. I will go back and just look at other insurers as well just to see if anyone else offers, you know, the policy cheaper in any way, shape, or form. I mean, there's nothing wrong with having another insurer with just the income protection, but they tend to offer what's called a multi policy discount.\n\nSo if you have all three policies with the same insurer, they tend to then offer a bit of a discount. So it does kinda work out a bit cheaper that way, but this is just this system is just great today. It's not working for me at all. I love technology when it wants to work for. I'm just gonna do a brand new quote just to have a look at the income protection.\n\nBut what I can do is once we kind of have this quote and I go back and just have a look at everything alongside, you know, your current insurances, look at what your your super has been doing, I'm also reviewing I also did some research and had a look at the investments and how they're structured for you as well. So we can I definitely wanna update the investments for you because there are some better performing investments out there that have done a bit better that could put you in a much better position? So I'll essentially look at all of that together with the cost of the insurances and also then just, you know, show you as part of the advice document what that looks like, how that affects you, what the projected outcome over the next, you know, five to ten years looks like. That way, you've got an informed decision. You can see everything as a total.\n\nDoes that make sense? Yeah. Beautiful. Are you a smoker or nonsmoker? Smoker?\n\nOkay. Beautiful. And what's your job at the moment? What do you do? Hard.\n\nSo more of an admin worker. Yeah. Beautiful. I'll put it down as an office only. You don't sort of do a lot of out in the field work, do you?\n\nNo. Beautiful. Beautiful. Okay. And 03/09/1977 is your date of birth.\n\nThat's beautiful. So looking at income protection, based on income of 70,000, It gives us a monthly sum insured of $4.00 $8.03, which is great. Paid out a super to make it more cost effective for you. Now we have a couple of options. One of them is the as a waiting period.\n\nThis is how long you need to be off work before you can make a claim. Realistically, having a shorter benefit waiting period, sorry, is more preferable because you don't have to wait as long to make a claim. They allow these from about four weeks. So if I choose the lowest waiting period for you and we just look at a two year benefit period, the benefit period is how long you can be on a claim for. So say if you were, you know, to break your leg and not be able to go to work, you can be on a claim for up to two years.\n\nIf that claim continues past two years and you still can't go back to work, the insurer stops paying when that benefit period stops at two years, and we just have to find another way to cover expenses. That is the cheapest option. It is showing per year. I'm gonna make it yes. So per year, it'd be about $1,534.\n\nSo $1,534 on top of your current insurances. If you go for a five year benefit period, it's about 2,117. So it adds between 1,500 to 2,000 on top of your current cover to have that income protection policy there. Yeah. Honestly, I think, you know, it's about making sure that you do have a level of cover that is supporting you.\n\nYou know, the risk of given your circumstances, you know, having a look at the fine here and your circumstances, having a bit of income protection to fall back on is by no means a bad thing. I think it does just provide you with a little bit of extra cover in the event that something was to happen. Because the biggest thing is if you were off work, you've kinda got nothing much to fall back on. So it's about just making sure you can claim. That's exactly right.\n\nYeah. Absolutely. Yeah. So if you like, what I could do is I'll go back. I'll review all the other insurers out there as well as this one.\n\nI can make a recommendation on that income protection policy for you. I'll add it into the advice document with the change of the with the change of the investments and show you how this affects you over the next couple of years. What this also does is we also, you know, want to make sure that this is reviewed. So the level of cover you have now, you might not need that much cover next year or the year after, so we might be able to reduce that back. You also don't need the insurances past the age of 60 with the income protection side of things.\n\nSo we could definitely look at, you know, reducing that back down the track. It's more just making sure you've got that cover now. Yeah. Well, when you turn 60, if you're unable to work, you axe you can access your super. So the earliest we're able to access super under legislation at the moment is if we turn 60 and stop working, so fully retired.\n\nSo that means if you, you know, break your leg or you break your back, you know, unable to work after 60, you've met that condition of release. So, theoretically, beyond the age of 60, we don't really need to worry about income protection because we can use our super if we need to to draw down income or to cover expenses if we're not able to work. So that is that is a benefit. We would only realistically need to hold this cover for the next sort of ten years. The downside to income protection is it does get more expensive.\n\nThese premiums start cheaper now, and then as you get older, because the risk of you claiming increases and income protection's the first cover that most people claim on, it does get very expensive. So we would review the level of cover you have if you find it's too much, it's not working, you don't want it anymore, we can always cancel it. It is absolutely fine. But I'd probably be more yeah. Sorry.\n\nYep. Yep. Absolutely. Yep. I'll do all that with you.\n\nAll of you you see for annual insurance, there's a level of cover you have, how things have been working, and just review that every year. We'll even do a catch up once every six months if you like just to see how things tracking for you as well. Yeah. Absolutely. Yep.\n\nHonestly yeah. So, realistically, most claims 90% of claims are dealt with within the first two years. So there's nothing wrong with a two year benefit period as long as you're comfortable with the risk that if something happened drastic, like, you know, you were yeah. You're right. Yeah.\n\nNo. Yeah. No. That's okay. I also just I'm having a quick look back at your last file as well.\n\nSo just sort of looking at when we last would have done a pre assessment with you, it doesn't look like we have done one in the past. Can I do a quick pre assessment with you as well just to see if there would be any exclusions or loadings that might be added to the policy as well? Yep. Beautiful. I'm just pulling up the document.\n\nPre assessment. There we go. Beautiful. So this is just a bit of a a lifestyle and medical questionnaire. This kinda gives me an idea of what might be offered, what exclusions might be on the policy.\n\nSo the fun the fun thing about insurances is, you know, if there's any preexisting conditions, they generally won't cover you for them. So it's the same thing if you had your car insurance and, you know, you went to there was a storm coming. We can't call the insurance and say, hey. There's a storm on its way. I wanna protect my car against hail damage.\n\nThey won't do it. It's preexisting. It's or the risk is already there, and the likelihood of claiming is much higher. So the same thing happens, you know, if we've had back injuries or knee injuries in the past. If they're fairly recent or ongoing, they're more likely to exclude those from the policy, so you can't claim on those sort of things.\n\nAnd that's because the risk of you claiming is so much higher. They like to, you know, try to reduce the risk level as much as possible. But I'll run through these with you just to kinda get an idea of how everything looks. Now a couple of bizarre questions to begin. Have you ever been on a part nine debt agreement or bankrupt?\n\nBeautiful. Excellent. Do you have any qualifications for your role? Have you been to uni or got any degrees or qualifications? Nope.\n\nThat's okay. Not a problem at all. Now would you say that your duties are a 100% administration or a bit less? 100%? Yep.\n\nBeautiful. Do you do any domestic travel for work? Nope. That's okay. You probably wouldn't do any hazardous activities going underground or using explosives or anything crazy as part of your role.\n\nDo you intend to change your occupation within the next twelve months? Right. Beautiful. Do you have a secondary job? Yep.\n\nWhat is it that you do as a secondary role? Okay. Yep. Beautiful. Okay.\n\nBeautiful. Yep. Yep. That's okay. No.\n\nThat's okay. It's more just a home duty. You're just providing assistance to clients once a week, and you do that every week? Yep. Yep.\n\nAnd how many hours would you do each each Saturday? Six hours. Beautiful. With this one here, they may change the occupation rating of it because you do do some in home assistance for a client. So that may add a little bit of risk to the policy, and so just in admin workers, so it may increase the cost of things.\n\nI will go back as part of the advice, and I will have a look at the the contracts offered and see what that look like. And I'll add all of this into the advice document for you so you can read it and see it all in writing. Is that okay? Yep. Beautiful.\n\nDo you have any plans to travel overseas or an overseas travel booked in the next twelve months at all? Yeah. Nice. Whereabouts are you heading to? Oh, nice.\n\nI've had it's beautiful. Oh, nice. Lovely. And how long will you be there for? Two weeks.\n\nBeautiful. Oh, well, you enjoy that. That sounds amazing. What date are you leaving? July 17.\n\nBeautiful. Yep. Beautiful. Thank you for that. Excellent.\n\nDo you participate or play in any hobbies or pastimes or sports? Just the gym. Beautiful. And how often do you go? Four days a week.\n\nBeautiful. Excellent. And you've yeah. Understandable. And you've confirmed that you are a smoker as well?\n\nYep. How many would you say you would have smokes on a daily basis? Eight to 10. Yep. Depending on the day and how stressful it is.\n\nYeah. Difficult. Absolutely. Yeah. No.\n\nOf course. Yeah. Yeah. No. It's a lot to to have to to listen to.\n\nI I completely understand, but you always try to take with a grain of salt. But, you know, sometimes it's just hard to take on a lot of the stress that people are feeling and, you know, it it's difficult. No. I completely understand. It's part of our job.\n\nWe listen to a lot of, you know, what's happening in people's lives and really try to understand a lot of hardship and things like that, and it's it's definitely not easy. You tend to wanna you you tend to empathize and sympathize a lot with people and start to take on a lot of those feelings, and sometimes it just sits with you. So I absolutely understand. Yeah. The next one here is, have you ever taken any illicit drugs?\n\nBeautiful. Love that. Oh, no. No. That's okay.\n\nIt's more just looking at, you know, have you had marijuana, cocaine, meth, things like that. No. All good. On, say, a weekly or fortnightly or even a monthly basis, would you drink alcohol? And if so, how many would you have?\n\nYep. Oh, yeah. They ask on a weekly basis, but if you don't drink every week, if you would average it out on a monthly basis, that's absolutely fine. Per per month? Yep.\n\nBeautiful. Excellent. And do you know roughly what your height and weight would be? Yep. Yep.\n\nTwo. Five five. That's okay. What do you think your weight might sort of be roughly? Three seventy five.\n\nYep. Perfect. Thank you. Yep. Yeah.\n\nThat's absolutely fine. So we'll say five point five, and then weight is about seventy five. Excellent. And have you lost any large sums of weight to say more than 10 kilos over the past twelve months? No.\n\nSo do I. There we go. Excellent. The next one here is just asking so, actually, I don't need to worry about those ones, so it's okay. The next one I hear are all of them, your medical history.\n\nSo just kind of, you know, looking back and has any have you been diagnosed with or sought treatment for any of the below? Is this the list? So I'll just run through the list. If you can just say yes or no. Some of them are a bit deep, and I'm very, very sorry.\n\nI'll go very simple very easily on these ones. Okay. The first one here is stress, anxiety, depression, or any mental health disorders. No. Excellent.\n\nAny skin cancers, tumors, lesions, cysts, or moles? Nope. Any back or neck pain, any sciatica, spondylitis, any pain with the ligaments, tendons, any injuries around those areas, gout or arthritis? No. Beautiful.\n\nAny sciatica, spondylitis, or other back and neck problems? No. Any HIV, hep b, or c? Nope. Any blood conditions.\n\nNope. Any previous surgeries over the past one to two or three years. Nope. Any cancers. Nope.\n\nAny asthma or respiratory conditions? Any disease of your eyes or ears? No. Any high blood pressure or high cholesterol? Any skin conditions or diabetes?\n\nAny thyroid conditions? Or anything else in this list we haven't touched on? No. Beautiful. I love that.\n\nNo for everything. The next one here is have you ever had or have you had any abnormal pap smears? No. Fantastic. Any abnormal vaginal bleeding in the last twelve months at all?\n\nAnd do you have mammograms at the moment? I haven't had one yet. That's okay. Beautiful. It's really good that you've said no to all of those.\n\nThe next couple are just family history. So have any of your immediate family, so your mother, father, brother, or sister, been diagnosed with or suffered any of the following before the age of 60? So after 60, they're not worried just before the age of 60. 60. Has anyone had suffered or been diagnosed with a heart attack, heart disease, or stroke?\n\nNo. Muscular sorry. Multiple sclerosis, Parkinson's, or Alzheimer's? Muscular dystrophy, Huntington's motor neurone disease, any bowel cancer, melanomas, Before the age of 60. Six zero.\n\nYeah. Yep. Yep. All good. Any polycystic kidney disease?\n\nNope. Any breast or ovarian cancer? Any mental health conditions? Any cardiomyopathy? Is it around the heart, the heart conditions?\n\nNope. Lovely. Any diabetes? No. That's okay.\n\nThat would've very recent would be after 60, so that's absolutely fine. Yep. Okay. Perfect. So it's really good, and he's doing really well with it.\n\nThat's good. Oh, that's beautiful. Yeah. Oh, I'm glad they're doing really well and getting out there and enjoying their life. That's really important.\n\nYep. When was he diagnosed? You know? Also, after the yes. After he turned 60.\n\nYep. No. That's that's okay. They won't worry too much about that, which is good, but I'm glad that he went through that and come out the other side, and he's having those regular checkups. Oh, good stuff.\n\nIsn't that ironic? Wow. Yeah. Wow. And they go there.\n\nWow. No. Wow. Yeah. Of course.\n\nYeah. Yeah. Of course. Yeah. Absolutely.\n\nYeah. Oh, really good. That's really good to hear. I'm so glad. Fantastic.\n\nThe last one on that list is any other conditions that they would have been diagnosed with or suffered from before the age of 60 that we haven't got on that list. Okay. Yep. Okay. Yep.\n\nOkay. In a bit of pain. Yeah. No. That's absolutely that's absolutely okay.\n\nThank you so much for that. That is essentially the entire preassessment. Look. The good news is there is nothing that's really flagging that might be an issue. The only thing I can sort of see here is they may change.\n\nSo with the quote that we had drawn up, that was looking at you being a 100% administration worker, whereas they may assess it more as, like a support worker, which is a little bit more of a risky occupation and can affect the premium slightly. But what I'll do is I'll go back and have a look at the premiums as what they're gonna probably offer based on that. I'll check with the insurers directly. I'll look at Neos as we have today, but I'll also look at any other insurers and try to make the insurance costs as cheap as possible for you while still making sure you have that level of cover that you're after. Is that okay?\n\nBeautiful. And I'll update the advice document to show what we're gonna do with the investments to make sure things are working harder for you down the track and also looking at the insurances. So you can see everything nice and clear in writing. We'll go through the advice document together, and then you'll also get to take that back and have a really good read of it and let me know whether you're happy to take the recommendations or not. Does that sound okay?\n\nYeah. So let's book in a time now. I've got most of the research all completed. I just need to follow-up on the insurance side of things. So I'll just go into my calendar.\n\nI can have it all ready to go in around about two weeks just because it's the end of financial year. It's really busy at the moment with contributions. So that would put us on essentially the week of the Monday, June 29. What day suits you best that week do you think? Any day?\n\nYep. That's okay. Absolutely. Did you want to make it sort of afternoon or morning? So I work until 06:00 Monday, Tuesday, Wednesday.\n\nThursdays, I do actually work until 7PM, sometimes a bit later. I could do it Thursday night if you wanted. Yep. Beautiful. Yep.\n\nAbsolutely. Yeah. Definitely. So if I did you want 05:30? Perfect.\n\nAbsolutely. Yeah. That's okay. I'll send a little email now just with the follow-up there just to let you know that booking time is being set. That's all good to go.\n\nSo that's Monday the sorry. Wednesday, July 1. That is crazy how fast this year is going. And that's at 05:30PM there for your statement of advice presentation. I'll have that all ready to go.\n\nI'll email you the document when I'm on the phone with you so then you can go through it with me. You can see all the pages, ask any questions that you have, and then you'll get some time afterwards to read it before you decide to take the advice or not. Okay? All good. Do you have any other questions, anything?\n\nYeah. Yeah. Yeah. That's absolutely fine. That's honestly not a problem at all.\n\nYeah. Absolutely fine. It's something that I think we're all kinda looking at the moment, isn't it, how home loans and if they're gonna continue going up. Yeah. Yep.\n\nOkay. Yep. So that's just essentially it's just an option of who we can utilize, we can refer you through to just to kind of start the conversation. I always like that little brochure that we send through just to kinda give you an idea of what the cost thing might look like so you can sort of see if that works within your budget. But it also kind of you know, if you've got a local solicitor, you can always go on to them and say, hey.\n\nWhat do you charge to do a will and a power of attorney? You know, what's your costing look like? And just compare it. Yeah. Yeah.\n\nYep. Yep. No. That's okay. I'm so sorry that last email didn't come through.\n\nI do apologize. I'll have to find it for my IT because I can see it sent. So I'll find it for my IT if there was an issue with it. Sorry about that. It's all okay.\n\nIt's okay. We got to sort it all today for you, and, yeah, I've got a good base to get some advice done to update everything for you as well. Okay? Yeah. Yep.\n\nYep. It is. Yeah. Look. There are other types of insurances that you can have.\n\nThe three main that you can pay for in super are life, TBD, and income protection. There are other insurances that you can hold, like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a large traumatic condition like cancer, Parkinson's. Trauma, you can't hold inside super. It is an out of pocket cost, So a lot of people don't really wanna hold or have trauma because they have to pay for that out of their back pocket. If you wanted me to, I could show you what a recommendation for trauma looks like and add that in, but it all comes down to whether you've got, you know, expendable income or whether you're finding it's a bit tough or whether you wanna see trauma.\n\nDid you wanna no. That's okay. Yeah. So TBD is total permanent disability. It pays out in the event you're unable to ever go back to work again.\n\nYeah. It's it's connected too. So you've got your life insurance cover, and then your TPD is attached to that. Yeah. So they're linked together, basically, but they are two separate policies.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYeah. That's okay. I'm just going back into your file inside the Neos to look at the certificate of currency just to see. Because I know last time we spoke, there may have been an increase in your policy since then. So I'm just gonna pop in here real quick and just give you an updated amount on how much cover you have.\n\nFind it. There we go. Beautiful. So there we go. Okay.\n\nSo at the moment, do we have payments? Nope. Summary. Policy schedule, and that was from late last year. So it should be exactly the same because the last policy schedule, it looks like your policy renews at the end of the year then around about October.\n\nLet's see. Schedule. Just gotta pop into it. It needs my little code. Doesn't wanna let me in.\n\nThat's okay. It is not a problem. Let's go. Yes. So from what I can see, the level of cover that we have here at the moment, this is the last policy schedule.\n\nPremium renewal date is around about the eleventh of the twenty fourth of the eleventh. So it kinda goes to renewal time every November. So the last renewal went through on November last year, and that essentially shows that your updated pre your updated sum insured for your life and TBD, you're currently covered for 327,302. Are you fairly happy with that level of cover at the moment? Did you wanna kinda look at the life and TPD?\n\nOr that's okay? Yep. Beautiful. Not a problem. Well, I'll go back and just finish that insurance research for you.\n\nI'll update the advice document with you're at sorry. Yep. It's three hundred and 27302. Yeah. Yeah.\n\nSo TBD, to give you a little bit of context, like, if you with the life cover, you have that same sum insured. So if you pass away, your beneficiaries receive the $3.27 $3.00 2 plus your super benefit on top of that. With TBD, unfortunately, it is considered a taxable payment. So if you claim PPD and never able to get back to work again and you withdrew the full benefit amount, the $3.27 $3.00 2, unfortunately, the ATO and the super system does charge tax on that, and you pay tax that's up to 22%. It could be less.\n\nThere's a whole big fund math equation that helps them to work at how much tax is payable. But if you were to claim on that payment, also, if you were to claim TPD, we would provide financial advice on how to, hopefully, reduce the tax as much as possible, but also how to draw out the payments or however much you need so that you can live and survive. We'd also claim, you can claim incapacity against your super. So if you take your TBD out, you can also access your super money as well. So we would provide advice on how to limit the amount of tax, how to keep money invested, and to hopefully draw a bit of an income so that things last and also stay invested for you.\n\nSorry. You're right. It is. Yeah. It is.\n\nIt's something that's not very well known. I've come across quite a lot of people in the past who've gone, yeah. I had TPD, and I claimed it, and they took so much tax, and I didn't know anything about the tax. I was like, yes. Unfortunately, when we're under 60, they do charge tax.\n\nIf you held TPD when and you're older than 60, there's no tax on the the payout whatsoever. So it's more just if we access under the age of 60, there are tax consequences for it. Yeah. They see us all coming, unfortunately. Yeah.\n\nThat's okay. Yeah. No. That's alright. If you ever have questions, let me know.\n\nPlease email me back if there's anything else. I'll, dump on it nice and quickly for you. Okay? Oh, good. Yeah.\n\nYep. Yeah. I'll send you an email now with that time and date there so you've got that in your email. Okay. Yep.\n\nAbsolutely. I'll send a text message reminder. I can set it up so it sends you a message about two hours prior. Would that be okay? Yep.\n\nSend a text message two hours prior just to remind you I'll be giving you a call. Okay. Yeah. You're on the same time zone as us now. So, yeah, we're all good.\n\nYeah. I know. Not yet. I know. Anytime.\n\nNot a problem at all. If there's anything else, let me know. In the meantime, I'll get stuck into this little bit of research, and I'll get the advice ready to go for you. Yes. Yes.\n\nAbsolutely. Yep. Perfect. Will do. Thank you so much, Natalie.\n\nEnjoy your day. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.5999999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.3251762092113495},{"text":"This is Dana.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.23338356614112854},{"text":"I'm good, Natalie.","start":6.16,"end":7.2,"sentiment":"positive","sentiment_score":0.5986987948417664},{"text":"How are you today?","start":7.2,"end":8.18,"sentiment":"positive","sentiment_score":0.5076280534267426},{"text":"Yeah.","start":25.045,"end":25.545,"sentiment":"neutral","sentiment_score":0.012283137999475002}],"sentiment":"positive","sentiment_score":0.3991842194675253,"num_words":13,"start":1.5999999,"end":25.545},{"sentences":[{"text":"Yeah.","start":25.685001,"end":26.185001,"sentiment":"neutral","sentiment_score":0.003549523651599884},{"text":"I did.","start":29.98,"end":30.539999,"sentiment":"neutral","sentiment_score":-0.0059056151658296585},{"text":"Yes.","start":30.539999,"end":30.859999,"sentiment":"neutral","sentiment_score":0.005369184538722038},{"text":"Yeah.","start":30.859999,"end":31.099998,"sentiment":"neutral","sentiment_score":-0.0007558241486549377},{"text":"We sent you another email that had the quotes attached.","start":31.099998,"end":34.32,"sentiment":"neutral","sentiment_score":-0.020472600776702165}],"sentiment":"neutral","sentiment_score":-0.013891623603800933,"num_words":15,"start":25.685001,"end":34.32},{"sentences":[{"text":"Did you not get that one yet?","start":34.379997,"end":36.699997,"sentiment":"neutral","sentiment_score":-0.07937814827476229},{"text":"Or oh, okay.","start":36.699997,"end":38.399998,"sentiment":"neutral","sentiment_score":-0.07084380090236664},{"text":"That's okay.","start":39.42,"end":40.14,"sentiment":"neutral","sentiment_score":-0.018135568127036095},{"text":"I can pull them up real quick if you like and just run you through them.","start":40.14,"end":43.405,"sentiment":"neutral","sentiment_score":0.03592669288627803},{"text":"I do apologize that that didn't come through.","start":43.405,"end":45.745,"sentiment":"neutral","sentiment_score":-0.20876934379339218}],"sentiment":"neutral","sentiment_score":-0.05277159002919992,"num_words":36,"start":34.379997,"end":45.745},{"sentences":[{"text":"Yeah.","start":53.565,"end":54.065,"sentiment":"neutral","sentiment_score":-0.04619733244180679},{"text":"No.","start":61.55,"end":61.71,"sentiment":"neutral","sentiment_score":-0.05071815848350525},{"text":"That's okay.","start":61.71,"end":62.53,"sentiment":"neutral","sentiment_score":-0.022090048529207706},{"text":"You're yeah.","start":62.829998,"end":64.27,"sentiment":"neutral","sentiment_score":-0.002948666689917445},{"text":"That's honestly okay.","start":64.27,"end":65.81,"sentiment":"neutral","sentiment_score":-0.009603715501725674}],"sentiment":"neutral","sentiment_score":-0.019533785318748817,"num_words":9,"start":53.565,"end":65.81},{"sentences":[{"text":"Yep.","start":66.51,"end":67.01,"sentiment":"neutral","sentiment_score":-0.006107765715569258},{"text":"Interesting.","start":70.935,"end":71.415,"sentiment":"neutral","sentiment_score":-0.03526918590068817},{"text":"Because it definitely sent them through.","start":71.415,"end":73.335,"sentiment":"neutral","sentiment_score":0.003654311721523603},{"text":"I can see them in my sandbox, but, honestly, that's okay.","start":73.335,"end":76.395004,"sentiment":"neutral","sentiment_score":0.010244127815398811},{"text":"It was sent the same day that I sent the other email to you.","start":78.615,"end":81.975,"sentiment":"neutral","sentiment_score":0.0006043280341795512}],"sentiment":"neutral","sentiment_score":0.003081664156387419,"num_words":33,"start":66.51,"end":81.975},{"sentences":[{"text":"There was two emails that was sent.","start":81.975,"end":83.579994,"sentiment":"neutral","sentiment_score":-0.012064133105533463},{"text":"One had the quote, which I just re forwarded through, and then the other one had just that follow-up there.","start":83.579994,"end":89.03999,"sentiment":"neutral","sentiment_score":-0.02124084495007992},{"text":"But that's okay.","start":91.579994,"end":94.56,"sentiment":"neutral","sentiment_score":0.04565376788377762},{"text":"You're honestly fine.","start":94.7,"end":96.06,"sentiment":"neutral","sentiment_score":0.2288884868224462},{"text":"Do not worry in any way, shape, or form.","start":96.06,"end":97.994995,"sentiment":"neutral","sentiment_score":0.07972008817725712}],"sentiment":"neutral","sentiment_score":0.024567660166039354,"num_words":42,"start":81.975,"end":97.994995},{"sentences":[{"text":"Look.","start":97.994995,"end":98.235,"sentiment":"neutral","sentiment_score":0.12995508313179016},{"text":"What I'll do is I'll pull them up, and we'll have a bit of a quick chat if you've got a few minutes now.","start":98.235,"end":102.395,"sentiment":"neutral","sentiment_score":0.15775880062331757},{"text":"And then you can let me know what you wanna do just so I can get things sorted for you.","start":102.395,"end":106.075,"sentiment":"neutral","sentiment_score":0.18505150116980076},{"text":"How does that sound?","start":106.075,"end":107.215,"sentiment":"neutral","sentiment_score":0.05403269920498133},{"text":"Yeah.","start":107.994995,"end":108.494995,"sentiment":"positive","sentiment_score":0.39691591262817383}],"sentiment":"neutral","sentiment_score":0.16460486061871052,"num_words":50,"start":97.994995,"end":108.494995},{"sentences":[{"text":"Excellent.","start":109.755,"end":110.255,"sentiment":"positive","sentiment_score":0.7865283489227295},{"text":"All good.","start":110.395,"end":110.795,"sentiment":"positive","sentiment_score":0.6970990300178528},{"text":"So I'll just pull them up real quick.","start":110.795,"end":112.23,"sentiment":"neutral","sentiment_score":0.16487076692283154},{"text":"So sorry.","start":112.23,"end":112.71001,"sentiment":"neutral","sentiment_score":-0.07896193861961365},{"text":"My computer's a little bit slow this morning.","start":112.71001,"end":114.97,"sentiment":"neutral","sentiment_score":-0.1845395192503929}],"sentiment":"neutral","sentiment_score":0.08883107205231984,"num_words":21,"start":109.755,"end":114.97},{"sentences":[{"text":"Oh, yeah.","start":119.75,"end":120.23,"sentiment":"neutral","sentiment_score":0.03218901343643665},{"text":"I am through today.","start":120.23,"end":121.350006,"sentiment":"neutral","sentiment_score":0.02861097175627947},{"text":"I did my back in on the weekend, so I was like, can I work?","start":121.350006,"end":124.87,"sentiment":"neutral","sentiment_score":0.013661446546514829},{"text":"It's better to work from home.","start":124.87,"end":126.075,"sentiment":"neutral","sentiment_score":0.07935031813879807},{"text":"That way, I don't have to drive to the office.","start":126.075,"end":128.495,"sentiment":"neutral","sentiment_score":0.023315134271979333}],"sentiment":"neutral","sentiment_score":0.029540455774278253,"num_words":37,"start":119.75,"end":128.495},{"sentences":[{"text":"Okay.","start":131.595,"end":132.095,"sentiment":"neutral","sentiment_score":0.002689521759748459},{"text":"So at the moment, just looking at your current policy there at the moment.","start":132.555,"end":136.735,"sentiment":"neutral","sentiment_score":-0.006484272690223796},{"text":"So we were mostly just looking at the income protection side of things, I believe.","start":136.795,"end":144.45,"sentiment":"neutral","sentiment_score":0.010131019478042921},{"text":"You do.","start":144.45,"end":145.19,"sentiment":"neutral","sentiment_score":0.0550382137298584},{"text":"Yeah.","start":145.25,"end":145.73,"sentiment":"neutral","sentiment_score":0.04643669351935387}],"sentiment":"neutral","sentiment_score":0.006678427795343327,"num_words":33,"start":131.595,"end":145.73},{"sentences":[{"text":"Yeah.","start":145.73,"end":145.97,"sentiment":"neutral","sentiment_score":0.06732160598039627},{"text":"Absolutely.","start":145.97,"end":146.47,"sentiment":"neutral","sentiment_score":0.183506578207016},{"text":"Just the increasing.","start":151.81,"end":152.87,"sentiment":"neutral","sentiment_score":0.030237112815181415},{"text":"Yeah.","start":153.60501,"end":154.10501,"sentiment":"neutral","sentiment_score":0.08745992183685303},{"text":"Absolutely.","start":154.24501,"end":154.74501,"sentiment":"neutral","sentiment_score":0.1438223272562027}],"sentiment":"neutral","sentiment_score":0.08183168167514461,"num_words":7,"start":145.73,"end":154.74501},{"sentences":[{"text":"So if I pull up the quote here, we've got these were done there we go.","start":155.365,"end":162.74501,"sentiment":"neutral","sentiment_score":0.10351153090596199},{"text":"The third of the sixth twenty twenty six.","start":164.325,"end":166.74501,"sentiment":"neutral","sentiment_score":0.03506234847009182},{"text":"Income protection.","start":167.58,"end":168.64,"sentiment":"neutral","sentiment_score":0.057820769026875496},{"text":"Beautiful.","start":170.14,"end":170.64,"sentiment":"positive","sentiment_score":0.36303457617759705},{"text":"Okay.","start":171.5,"end":172.0,"sentiment":"neutral","sentiment_score":0.07514449954032898}],"sentiment":"neutral","sentiment_score":0.08894656771527869,"num_words":28,"start":155.365,"end":172.0},{"sentences":[{"text":"That's honestly not an issue at all.","start":182.44499,"end":185.105,"sentiment":"neutral","sentiment_score":0.06741812186581748},{"text":"Just trying to I also saved into your file here, so I should be able to bring them up fairly easily.","start":186.845,"end":199.46999,"sentiment":"neutral","sentiment_score":0.13088738173246384},{"text":"Okay.","start":200.17,"end":200.67,"sentiment":"neutral","sentiment_score":0.025873001664876934},{"text":"Here we go.","start":201.04999,"end":201.95,"sentiment":"neutral","sentiment_score":0.01725666473309199},{"text":"So income protection.","start":202.09,"end":207.23,"sentiment":"neutral","sentiment_score":0.004089508981754382}],"sentiment":"neutral","sentiment_score":0.0945849540643394,"num_words":35,"start":182.44499,"end":207.23},{"sentences":[{"text":"Two.","start":208.545,"end":209.045,"sentiment":"neutral","sentiment_score":-0.02117706649005413},{"text":"No.","start":210.22499,"end":210.465,"sentiment":"neutral","sentiment_score":-0.08313111960887909},{"text":"No.","start":210.465,"end":210.965,"sentiment":"neutral","sentiment_score":-0.0780598521232605},{"text":"Has something come through?","start":213.745,"end":215.42499,"sentiment":"neutral","sentiment_score":-0.058254956267774105},{"text":"Or no?","start":215.42499,"end":218.405,"sentiment":"neutral","sentiment_score":-0.0679546557366848}],"sentiment":"neutral","sentiment_score":-0.06125524164073997,"num_words":9,"start":208.545,"end":218.405},{"sentences":[{"text":"That's really interesting.","start":218.94499,"end":220.165,"sentiment":"neutral","sentiment_score":-0.043049003928899765},{"text":"That's it.","start":222.545,"end":223.36499,"sentiment":"neutral","sentiment_score":-0.025812318548560143},{"text":"No.","start":224.51001,"end":224.75,"sentiment":"neutral","sentiment_score":-0.07834552973508835},{"text":"No.","start":224.75,"end":225.07,"sentiment":"neutral","sentiment_score":-0.08128148317337036},{"text":"No.","start":225.07,"end":225.15001,"sentiment":"neutral","sentiment_score":-0.08840495347976685}],"sentiment":"neutral","sentiment_score":-0.05360045190900564,"num_words":8,"start":218.94499,"end":225.15001},{"sentences":[{"text":"No.","start":225.15001,"end":225.63,"sentiment":"neutral","sentiment_score":-0.0953095555305481},{"text":"Sent it a couple of weeks back, but, honestly yeah.","start":225.63,"end":233.39,"sentiment":"neutral","sentiment_score":-0.06152385622262955},{"text":"That sounds about familiar because when was this last one yeah.","start":233.39,"end":237.195,"sentiment":"neutral","sentiment_score":-0.015227748250419443},{"text":"The last one was on June 3 as well.","start":237.195,"end":239.195,"sentiment":"neutral","sentiment_score":-0.02160910548021396},{"text":"So I sent both those emails on June 3.","start":239.195,"end":242.01498,"sentiment":"neutral","sentiment_score":-0.04879210599594646}],"sentiment":"neutral","sentiment_score":-0.03779160629492253,"num_words":40,"start":225.15001,"end":242.01498},{"sentences":[{"text":"It's okay.","start":245.915,"end":246.635,"sentiment":"neutral","sentiment_score":0.12615425139665604},{"text":"Honestly, it's not a problem at all.","start":246.635,"end":248.975,"sentiment":"neutral","sentiment_score":0.30096294677683283},{"text":"So, essentially, just having a look at where we are at the moment.","start":249.915,"end":254.54001,"sentiment":"neutral","sentiment_score":0.029509542796474237},{"text":"So income we had so I have a look at your last tax plan we talked about as well.","start":254.54001,"end":261.42,"sentiment":"neutral","sentiment_score":0.03407213738874385},{"text":"Because what's your income at the moment there?","start":261.42,"end":263.76,"sentiment":"neutral","sentiment_score":0.022033571265637875}],"sentiment":"neutral","sentiment_score":0.0727818850427866,"num_words":49,"start":245.915,"end":263.76},{"sentences":[{"text":"Yeah.","start":266.525,"end":267.025,"sentiment":"neutral","sentiment_score":0.016556520015001297},{"text":"About 70,000?","start":270.365,"end":271.66498,"sentiment":"neutral","sentiment_score":0.018696028273552656},{"text":"Okay.","start":271.805,"end":272.305,"sentiment":"neutral","sentiment_score":0.12153397500514984},{"text":"All good.","start":272.365,"end":273.185,"sentiment":"neutral","sentiment_score":0.30702729523181915},{"text":"So, realistically so 70 thousand.","start":273.245,"end":280.22498,"sentiment":"neutral","sentiment_score":-0.06901704519987106}],"sentiment":"neutral","sentiment_score":0.04040471963923086,"num_words":11,"start":266.525,"end":280.22498},{"sentences":[{"text":"Oh, that's okay.","start":281.21002,"end":282.19,"sentiment":"neutral","sentiment_score":-0.051417529582977295},{"text":"Are you?","start":284.73,"end":285.39,"sentiment":"neutral","sentiment_score":-0.02627653907984495},{"text":"Yeah.","start":285.61002,"end":286.11002,"sentiment":"neutral","sentiment_score":-0.01777401939034462},{"text":"No.","start":286.65002,"end":286.81003,"sentiment":"neutral","sentiment_score":-0.11553329229354858},{"text":"That's no.","start":286.81003,"end":290.17,"sentiment":"neutral","sentiment_score":-0.17987334728240967}],"sentiment":"neutral","sentiment_score":-0.07776218590637048,"num_words":9,"start":281.21002,"end":290.17},{"sentences":[{"text":"It's just amazing that living expenses have just gone up so much.","start":290.17,"end":293.865,"sentiment":"negative","sentiment_score":-0.38497358560562134},{"text":"The cost of everything is just horrendous at the moment, so it does make it very, very difficult.","start":293.865,"end":298.685,"sentiment":"negative","sentiment_score":-0.6086621317598555},{"text":"Okay.","start":301.865,"end":302.345,"sentiment":"neutral","sentiment_score":-0.05406707152724266},{"text":"So having a look at the last certificate of currency we have here, your current income protection policy has some insured of where are we?","start":302.345,"end":312.07,"sentiment":"neutral","sentiment_score":-0.012531245276331902},{"text":"Income protection.","start":313.09,"end":314.15,"sentiment":"neutral","sentiment_score":-0.030127456411719322}],"sentiment":"neutral","sentiment_score":-0.2759173192276523,"num_words":58,"start":290.17,"end":314.15},{"sentences":[{"text":"Oh, it doesn't have it at all.","start":315.01,"end":316.53,"sentiment":"neutral","sentiment_score":-0.10189354100397655},{"text":"So at the moment, you've only got the life and TBD.","start":316.53,"end":318.94998,"sentiment":"neutral","sentiment_score":-0.05014549060301347},{"text":"Perfect.","start":319.09,"end":319.49,"sentiment":"neutral","sentiment_score":0.10388006269931792},{"text":"So sorry.","start":319.49,"end":320.05,"sentiment":"neutral","sentiment_score":-0.08315998315811157},{"text":"Now I have everything in front of me here.","start":320.05,"end":322.415,"sentiment":"neutral","sentiment_score":-0.05441223312583235}],"sentiment":"neutral","sentiment_score":-0.060566839513679346,"num_words":30,"start":315.01,"end":322.415},{"sentences":[{"text":"So you don't have any income protection at the moment.","start":322.635,"end":324.79498,"sentiment":"neutral","sentiment_score":-0.1321895893663168},{"text":"You've only got the the life and the TPD covered there.","start":324.79498,"end":327.275,"sentiment":"neutral","sentiment_score":-0.09656506912274794},{"text":"So what we were sort of talking about when I go back over my notes, I do apologize, essentially looking at trying to get some income protection to cover you.","start":327.275,"end":334.955,"sentiment":"neutral","sentiment_score":-0.05238902469476064},{"text":"So income protection can essentially cover up to 70% of your monthly income.","start":334.955,"end":340.27002,"sentiment":"neutral","sentiment_score":0.032245417770284876},{"text":"So if we have a look at what you're on now, 70% of that 70,000 on a yearly basis, 7,000 means that we would need to have a monthly benefit amount of about 4,083.","start":340.27002,"end":357.545,"sentiment":"neutral","sentiment_score":0.021536416209795895}],"sentiment":"neutral","sentiment_score":-0.02861585523172909,"num_words":98,"start":322.635,"end":357.545},{"sentences":[{"text":"Having a look at part.","start":358.245,"end":360.42502,"sentiment":"neutral","sentiment_score":0.00638016676530242},{"text":"Oh, my earphones are all black.","start":362.5,"end":364.04,"sentiment":"neutral","sentiment_score":-0.024245919194072485},{"text":"Can you hear me okay, Natalie?","start":364.74,"end":366.12,"sentiment":"neutral","sentiment_score":-0.01100509955237309},{"text":"Yeah.","start":367.22,"end":367.69998,"sentiment":"neutral","sentiment_score":0.0625147745013237},{"text":"Beautiful.","start":367.69998,"end":368.1,"sentiment":"neutral","sentiment_score":0.16062597930431366}],"sentiment":"neutral","sentiment_score":0.0022913407975513685,"num_words":19,"start":358.245,"end":368.1},{"sentences":[{"text":"So the phone just sound like it was cutting out.","start":368.1,"end":369.69998,"sentiment":"neutral","sentiment_score":-0.3106517352163792},{"text":"It was beeping a little bit on me, so I've just taken my earphones out.","start":369.69998,"end":372.75998,"sentiment":"neutral","sentiment_score":-0.212953915198644},{"text":"So the income we had on the last of the quotes was actually about 65,900.","start":374.075,"end":381.695,"sentiment":"neutral","sentiment_score":0.16595400795340537},{"text":"So your income's definitely gone up from when we spoke last time, which is good.","start":382.475,"end":386.315,"sentiment":"neutral","sentiment_score":0.31331668968002},{"text":"That means you've had an increase.","start":386.315,"end":387.755,"sentiment":"neutral","sentiment_score":0.3299250875910123}],"sentiment":"neutral","sentiment_score":0.04701286737547546,"num_words":61,"start":368.1,"end":387.755},{"sentences":[{"text":"That's fantastic.","start":387.755,"end":388.495,"sentiment":"positive","sentiment_score":0.8250803649425507},{"text":"So I'm actually just going to pop into Neos really quickly just to generate a real simple quote just to give you a bit of an idea of what this looks like.","start":390.04,"end":399.5,"sentiment":"neutral","sentiment_score":0.20716217160224915},{"text":"And then if you want yeah.","start":400.04,"end":402.715,"sentiment":"neutral","sentiment_score":0.02914282539859414},{"text":"Absolutely.","start":410.375,"end":410.875,"sentiment":"neutral","sentiment_score":0.05768207088112831},{"text":"Yeah.","start":411.495,"end":411.815,"sentiment":"neutral","sentiment_score":0.02755730040371418}],"sentiment":"neutral","sentiment_score":0.2033201558293686,"num_words":42,"start":387.755,"end":411.815},{"sentences":[{"text":"Of course.","start":411.815,"end":412.455,"sentiment":"neutral","sentiment_score":0.023042501881718636},{"text":"Definitely.","start":412.455,"end":412.955,"sentiment":"neutral","sentiment_score":0.016664419323205948},{"text":"Definitely.","start":417.87,"end":418.11,"sentiment":"neutral","sentiment_score":-0.13382112979888916},{"text":"No.","start":418.11,"end":418.61,"sentiment":"neutral","sentiment_score":-0.2186373472213745},{"text":"Understandable.","start":418.67,"end":419.17,"sentiment":"neutral","sentiment_score":-0.14791573584079742}],"sentiment":"neutral","sentiment_score":-0.07293746496240298,"num_words":6,"start":411.815,"end":419.17},{"sentences":[{"text":"So what I can do is I can I'm jumping into Neos now just to have a really quick look at adding the income protection onto your policy to look at what that might cost wise.","start":419.38998,"end":428.13,"sentiment":"neutral","sentiment_score":0.0075916071525878375},{"text":"Yeah.","start":430.655,"end":430.97498,"sentiment":"neutral","sentiment_score":0.025667067617177963},{"text":"So we'll probably look to just add the policy with the current insurer you have.","start":430.97498,"end":436.19498,"sentiment":"neutral","sentiment_score":0.04297584953407447},{"text":"I will go back and just look at other insurers as well just to see if anyone else offers, you know, the policy cheaper in any way, shape, or form.","start":436.735,"end":446.32,"sentiment":"neutral","sentiment_score":0.06918409119049708},{"text":"I mean, there's nothing wrong with having another insurer with just the income protection, but they tend to offer what's called a multi policy discount.","start":446.32,"end":454.88,"sentiment":"neutral","sentiment_score":0.0750514480471611}],"sentiment":"neutral","sentiment_score":0.045751510327246704,"num_words":107,"start":419.38998,"end":454.88},{"sentences":[{"text":"So if you have all three policies with the same insurer, they tend to then offer a bit of a discount.","start":454.88,"end":464.595,"sentiment":"neutral","sentiment_score":0.07010396037782941},{"text":"So it does kinda work out a bit cheaper that way, but this is just this system is just great today.","start":465.05502,"end":472.34,"sentiment":"neutral","sentiment_score":0.14992224425077438},{"text":"It's not working for me at all.","start":472.56,"end":474.5,"sentiment":"neutral","sentiment_score":-0.01849667727947235},{"text":"I love technology when it wants to work for.","start":474.88,"end":477.38,"sentiment":"neutral","sentiment_score":0.24401653640800053},{"text":"I'm just gonna do a brand new quote just to have a look at the income protection.","start":479.52,"end":483.06,"sentiment":"neutral","sentiment_score":0.030393893446992424}],"sentiment":"neutral","sentiment_score":0.09605224763353666,"num_words":75,"start":454.88,"end":483.06},{"sentences":[{"text":"But what I can do is once we kind of have this quote and I go back and just have a look at everything alongside, you know, your current insurances, look at what your your super has been doing, I'm also reviewing I also did some research and had a look at the investments and how they're structured for you as well.","start":483.12,"end":502.81003,"sentiment":"neutral","sentiment_score":0.08645443620550777},{"text":"So we can I definitely wanna update the investments for you because there are some better performing investments out there that have done a bit better that could put you in a much better position?","start":502.81003,"end":513.175,"sentiment":"positive","sentiment_score":0.34595802213464466},{"text":"So I'll essentially look at all of that together with the cost of the insurances and also then just, you know, show you as part of the advice document what that looks like, how that affects you, what the projected outcome over the next, you know, five to ten years looks like.","start":513.235,"end":530.47003,"sentiment":"neutral","sentiment_score":0.1608034813633332},{"text":"That way, you've got an informed decision.","start":530.53,"end":532.45,"sentiment":"neutral","sentiment_score":0.28573054500988554},{"text":"You can see everything as a total.","start":532.45,"end":534.29,"sentiment":"neutral","sentiment_score":0.22702627096857345}],"sentiment":"neutral","sentiment_score":0.18048947584169683,"num_words":163,"start":483.12,"end":534.29},{"sentences":[{"text":"Does that make sense?","start":534.29,"end":535.43,"sentiment":"neutral","sentiment_score":0.10850086249411106},{"text":"Yeah.","start":537.34503,"end":537.84503,"sentiment":"neutral","sentiment_score":0.0786752998828888},{"text":"Beautiful.","start":538.065,"end":538.565,"sentiment":"neutral","sentiment_score":0.21540001034736633},{"text":"Are you a smoker or nonsmoker?","start":539.34503,"end":541.125,"sentiment":"neutral","sentiment_score":-0.006091674479345481},{"text":"Smoker?","start":543.42505,"end":543.92505,"sentiment":"neutral","sentiment_score":-0.021555384621024132}],"sentiment":"neutral","sentiment_score":0.05153640990073864,"num_words":13,"start":534.29,"end":543.92505},{"sentences":[{"text":"Okay.","start":544.145,"end":544.54504,"sentiment":"neutral","sentiment_score":0.027537990361452103},{"text":"Beautiful.","start":544.54504,"end":545.04504,"sentiment":"neutral","sentiment_score":0.1156168058514595},{"text":"And what's your job at the moment?","start":545.66504,"end":547.10504,"sentiment":"neutral","sentiment_score":0.016247882906879698},{"text":"What do you do?","start":547.10504,"end":548.085,"sentiment":"neutral","sentiment_score":-0.0056490045972168446},{"text":"Hard.","start":551.16,"end":551.63995,"sentiment":"neutral","sentiment_score":-0.07299980521202087}],"sentiment":"neutral","sentiment_score":0.011521010925727231,"num_words":14,"start":544.145,"end":551.63995},{"sentences":[{"text":"So more of an admin worker.","start":551.63995,"end":553.33997,"sentiment":"neutral","sentiment_score":-0.04800964271028837},{"text":"Yeah.","start":553.39996,"end":553.8,"sentiment":"neutral","sentiment_score":0.051953524351119995},{"text":"Beautiful.","start":553.8,"end":554.3,"sentiment":"neutral","sentiment_score":0.24198447167873385},{"text":"I'll put it down as an office only.","start":556.43994,"end":558.27997,"sentiment":"neutral","sentiment_score":0.10516204126179218},{"text":"You don't sort of do a lot of out in the field work, do you?","start":558.27997,"end":561.735,"sentiment":"neutral","sentiment_score":0.006858902191743255}],"sentiment":"neutral","sentiment_score":0.030647096862535802,"num_words":31,"start":551.63995,"end":561.735},{"sentences":[{"text":"No.","start":562.77496,"end":563.27496,"sentiment":"neutral","sentiment_score":-0.07171260565519333},{"text":"Beautiful.","start":563.65497,"end":564.15497,"sentiment":"neutral","sentiment_score":0.0965050458908081},{"text":"Beautiful.","start":564.535,"end":565.035,"sentiment":"neutral","sentiment_score":0.16036632657051086},{"text":"Okay.","start":565.415,"end":565.915,"sentiment":"neutral","sentiment_score":0.08689577132463455},{"text":"And 03/09/1977 is your date of birth.","start":567.89496,"end":570.615,"sentiment":"neutral","sentiment_score":0.06452438182064466}],"sentiment":"neutral","sentiment_score":0.06579320098866116,"num_words":11,"start":562.77496,"end":570.615},{"sentences":[{"text":"That's beautiful.","start":570.615,"end":571.355,"sentiment":"neutral","sentiment_score":0.314190536737442},{"text":"So looking at income protection, based on income of 70,000, It gives us a monthly sum insured of $4.00 $8.03, which is great.","start":571.415,"end":582.57996,"sentiment":"neutral","sentiment_score":0.2562078542035559},{"text":"Paid out a super to make it more cost effective for you.","start":582.57996,"end":585.88,"sentiment":"positive","sentiment_score":0.33874597648779553},{"text":"Now we have a couple of options.","start":586.98,"end":588.89996,"sentiment":"neutral","sentiment_score":0.08997960974063192},{"text":"One of them is the as a waiting period.","start":588.89996,"end":591.885,"sentiment":"neutral","sentiment_score":0.06261554174125195}],"sentiment":"neutral","sentiment_score":0.22225491663897937,"num_words":53,"start":570.615,"end":591.885},{"sentences":[{"text":"This is how long you need to be off work before you can make a claim.","start":591.885,"end":595.585,"sentiment":"neutral","sentiment_score":0.013861729530617595},{"text":"Realistically, having a shorter benefit waiting period, sorry, is more preferable because you don't have to wait as long to make a claim.","start":596.445,"end":603.665,"sentiment":"neutral","sentiment_score":0.05014201383227888},{"text":"They allow these from about four weeks.","start":604.52997,"end":606.61,"sentiment":"neutral","sentiment_score":0.10559107150350298},{"text":"So if I choose the lowest waiting period for you and we just look at a two year benefit period, the benefit period is how long you can be on a claim for.","start":606.61,"end":615.25,"sentiment":"neutral","sentiment_score":0.1100851958899787},{"text":"So say if you were, you know, to break your leg and not be able to go to work, you can be on a claim for up to two years.","start":615.25,"end":622.795,"sentiment":"neutral","sentiment_score":0.04830018437157075}],"sentiment":"neutral","sentiment_score":0.0660184264832407,"num_words":109,"start":591.885,"end":622.795},{"sentences":[{"text":"If that claim continues past two years and you still can't go back to work, the insurer stops paying when that benefit period stops at two years, and we just have to find another way to cover expenses.","start":622.85504,"end":634.715,"sentiment":"neutral","sentiment_score":-0.21196999567511834},{"text":"That is the cheapest option.","start":636.41003,"end":638.11,"sentiment":"positive","sentiment_score":0.4221091568470001},{"text":"It is showing per year.","start":639.21,"end":641.63,"sentiment":"neutral","sentiment_score":0.30835992097854614},{"text":"I'm gonna make it yes.","start":642.01,"end":643.29,"sentiment":"neutral","sentiment_score":0.32728214263916017},{"text":"So per year, it'd be about $1,534.","start":643.29,"end":647.95,"sentiment":"neutral","sentiment_score":0.19168615554060256}],"sentiment":"neutral","sentiment_score":-0.02373834407577912,"num_words":60,"start":622.85504,"end":647.95},{"sentences":[{"text":"So $1,534 on top of your current insurances.","start":648.395,"end":652.735,"sentiment":"neutral","sentiment_score":0.13851984776556492},{"text":"If you go for a five year benefit period, it's about 2,117.","start":654.555,"end":660.415,"sentiment":"neutral","sentiment_score":0.15484375009934107},{"text":"So it adds between 1,500 to 2,000 on top of your current cover to have that income protection policy there.","start":664.08,"end":671.78,"sentiment":"neutral","sentiment_score":0.17741877995431424},{"text":"Yeah.","start":672.48004,"end":672.98004,"sentiment":"neutral","sentiment_score":0.10318207740783691},{"text":"Honestly, I think, you know, it's about making sure that you do have a level of cover that is supporting you.","start":676.995,"end":684.455,"sentiment":"neutral","sentiment_score":0.1990162811818577}],"sentiment":"neutral","sentiment_score":0.17414811878435074,"num_words":62,"start":648.395,"end":684.455},{"sentences":[{"text":"You know, the risk of given your circumstances, you know, having a look at the fine here and your circumstances, having a bit of income protection to fall back on is by no means a bad thing.","start":684.67505,"end":695.37,"sentiment":"neutral","sentiment_score":0.17329456032933416},{"text":"I think it does just provide you with a little bit of extra cover in the event that something was to happen.","start":695.58997,"end":700.875,"sentiment":"neutral","sentiment_score":0.13399276543747296},{"text":"Because the biggest thing is if you were off work, you've kinda got nothing much to fall back on.","start":700.875,"end":705.435,"sentiment":"neutral","sentiment_score":-0.0723835676908493},{"text":"So it's about just making sure you can claim.","start":705.435,"end":708.395,"sentiment":"neutral","sentiment_score":0.055461244450675115},{"text":"That's exactly right.","start":708.395,"end":709.935,"sentiment":"neutral","sentiment_score":0.21193248530228934}],"sentiment":"neutral","sentiment_score":0.10132667157385085,"num_words":90,"start":684.67505,"end":709.935},{"sentences":[{"text":"Yeah.","start":709.995,"end":710.495,"sentiment":"neutral","sentiment_score":0.03337117284536362},{"text":"Absolutely.","start":713.08,"end":713.58,"sentiment":"neutral","sentiment_score":0.2556345462799072},{"text":"Yeah.","start":713.96,"end":714.36,"sentiment":"neutral","sentiment_score":0.18130120635032657},{"text":"So if you like, what I could do is I'll go back.","start":714.36,"end":716.92,"sentiment":"neutral","sentiment_score":0.11584839845697086},{"text":"I'll review all the other insurers out there as well as this one.","start":716.92,"end":720.62,"sentiment":"neutral","sentiment_score":0.15933523384424356}],"sentiment":"neutral","sentiment_score":0.14042306239051477,"num_words":28,"start":709.995,"end":720.62},{"sentences":[{"text":"I can make a recommendation on that income protection policy for you.","start":721.0,"end":724.92,"sentiment":"neutral","sentiment_score":0.277193112919728},{"text":"I'll add it into the advice document with the change of the with the change of the investments and show you how this affects you over the next couple of years.","start":724.92,"end":734.27496,"sentiment":"neutral","sentiment_score":0.18203030791013472},{"text":"What this also does is we also, you know, want to make sure that this is reviewed.","start":734.735,"end":742.77997,"sentiment":"neutral","sentiment_score":0.13958779065047994},{"text":"So the level of cover you have now, you might not need that much cover next year or the year after, so we might be able to reduce that back.","start":743.0,"end":750.3,"sentiment":"neutral","sentiment_score":0.09947340972721577},{"text":"You also don't need the insurances past the age of 60 with the income protection side of things.","start":750.75995,"end":755.87994,"sentiment":"neutral","sentiment_score":-0.06374900601804256}],"sentiment":"neutral","sentiment_score":0.1220274956000072,"num_words":108,"start":721.0,"end":755.87994},{"sentences":[{"text":"So we could definitely look at, you know, reducing that back down the track.","start":755.87994,"end":760.325,"sentiment":"neutral","sentiment_score":0.23021643502371653},{"text":"It's more just making sure you've got that cover now.","start":760.325,"end":763.065,"sentiment":"neutral","sentiment_score":0.026902309525758027},{"text":"Yeah.","start":763.36505,"end":763.86505,"sentiment":"neutral","sentiment_score":0.0016020541079342363},{"text":"Well, when you turn 60, if you're unable to work, you axe you can access your super.","start":764.885,"end":769.525,"sentiment":"neutral","sentiment_score":-0.06676051053492461},{"text":"So the earliest we're able to access super under legislation at the moment is if we turn 60 and stop working, so fully retired.","start":769.525,"end":777.97003,"sentiment":"neutral","sentiment_score":-0.012841332548608383}],"sentiment":"neutral","sentiment_score":0.03106870574904888,"num_words":66,"start":755.87994,"end":777.97003},{"sentences":[{"text":"So that means if you, you know, break your leg or you break your back, you know, unable to work after 60, you've met that condition of release.","start":778.35004,"end":785.595,"sentiment":"neutral","sentiment_score":-0.08782849667061653},{"text":"So, theoretically, beyond the age of 60, we don't really need to worry about income protection because we can use our super if we need to to draw down income or to cover expenses if we're not able to work.","start":785.75494,"end":797.21497,"sentiment":"neutral","sentiment_score":0.14856632044538856},{"text":"So that is that is a benefit.","start":798.52,"end":800.12,"sentiment":"positive","sentiment_score":0.3985027883734022},{"text":"We would only realistically need to hold this cover for the next sort of ten years.","start":800.12,"end":804.22003,"sentiment":"neutral","sentiment_score":0.013049714732915163},{"text":"The downside to income protection is it does get more expensive.","start":804.52,"end":808.22003,"sentiment":"negative","sentiment_score":-0.5307679393074729}],"sentiment":"neutral","sentiment_score":0.006307083656828778,"num_words":102,"start":778.35004,"end":808.22003},{"sentences":[{"text":"These premiums start cheaper now, and then as you get older, because the risk of you claiming increases and income protection's the first cover that most people claim on, it does get very expensive.","start":808.28,"end":821.595,"sentiment":"negative","sentiment_score":-0.494106708204045},{"text":"So we would review the level of cover you have if you find it's too much, it's not working, you don't want it anymore, we can always cancel it.","start":822.13495,"end":829.89996,"sentiment":"neutral","sentiment_score":-0.29189861591519983},{"text":"It is absolutely fine.","start":829.89996,"end":831.36,"sentiment":"neutral","sentiment_score":0.056902000680565834},{"text":"But I'd probably be more yeah.","start":831.42,"end":834.37994,"sentiment":"neutral","sentiment_score":-0.04561447041730086},{"text":"Sorry.","start":834.37994,"end":834.87994,"sentiment":"neutral","sentiment_score":-0.04310215264558792}],"sentiment":"negative","sentiment_score":-0.34261985017439806,"num_words":74,"start":808.28,"end":834.87994},{"sentences":[{"text":"Yep.","start":837.675,"end":838.175,"sentiment":"neutral","sentiment_score":0.00467637088149786},{"text":"Yep.","start":840.555,"end":841.055,"sentiment":"neutral","sentiment_score":0.05346128344535827},{"text":"Absolutely.","start":841.27496,"end":841.77496,"sentiment":"neutral","sentiment_score":0.09620676934719086},{"text":"Yep.","start":842.475,"end":842.795,"sentiment":"neutral","sentiment_score":0.12298527359962463},{"text":"I'll do all that with you.","start":842.795,"end":843.83496,"sentiment":"neutral","sentiment_score":0.18367194632689157}],"sentiment":"neutral","sentiment_score":0.13793613752350212,"num_words":10,"start":837.675,"end":843.83496},{"sentences":[{"text":"All of you you see for annual insurance, there's a level of cover you have, how things have been working, and just review that every year.","start":843.83496,"end":851.115,"sentiment":"neutral","sentiment_score":0.11456299358262466},{"text":"We'll even do a catch up once every six months if you like just to see how things tracking for you as well.","start":851.115,"end":856.71,"sentiment":"neutral","sentiment_score":0.14778678151576416},{"text":"Yeah.","start":856.77,"end":857.08997,"sentiment":"neutral","sentiment_score":0.16237947344779968},{"text":"Absolutely.","start":857.08997,"end":857.58997,"sentiment":"neutral","sentiment_score":0.25230422616004944},{"text":"Yep.","start":858.77,"end":859.27,"sentiment":"neutral","sentiment_score":0.055878203362226486}],"sentiment":"neutral","sentiment_score":0.13169799444194025,"num_words":52,"start":843.83496,"end":859.27},{"sentences":[{"text":"Honestly yeah.","start":862.93,"end":864.93,"sentiment":"neutral","sentiment_score":0.054631829261779785},{"text":"So, realistically, most claims 90% of claims are dealt with within the first two years.","start":864.93,"end":870.705,"sentiment":"neutral","sentiment_score":0.09462153315544128},{"text":"So there's nothing wrong with a two year benefit period as long as you're comfortable with the risk that if something happened drastic, like, you know, you were yeah.","start":870.765,"end":881.245,"sentiment":"neutral","sentiment_score":0.02833381654887364},{"text":"You're right.","start":881.245,"end":881.91,"sentiment":"neutral","sentiment_score":-0.1782250478863716},{"text":"Yeah.","start":884.06995,"end":884.56995,"sentiment":"neutral","sentiment_score":-0.09055866301059724}],"sentiment":"neutral","sentiment_score":0.038842011775289266,"num_words":49,"start":862.93,"end":884.56995},{"sentences":[{"text":"No.","start":888.94995,"end":889.44995,"sentiment":"negative","sentiment_score":-0.4147406220436096},{"text":"Yeah.","start":892.55,"end":893.05,"sentiment":"neutral","sentiment_score":-0.03986348211765289},{"text":"No.","start":893.26996,"end":893.43,"sentiment":"neutral","sentiment_score":-0.11951428651809692},{"text":"That's okay.","start":893.43,"end":894.32996,"sentiment":"neutral","sentiment_score":0.046197546645998955},{"text":"I also just I'm having a quick look back at your last file as well.","start":894.86505,"end":898.86505,"sentiment":"neutral","sentiment_score":0.054262659947077435}],"sentiment":"neutral","sentiment_score":0.01661083009094,"num_words":20,"start":888.94995,"end":898.86505},{"sentences":[{"text":"So just sort of looking at when we last would have done a pre assessment with you, it doesn't look like we have done one in the past.","start":898.86505,"end":905.505,"sentiment":"neutral","sentiment_score":0.0027198719659021924},{"text":"Can I do a quick pre assessment with you as well just to see if there would be any exclusions or loadings that might be added to the policy as well?","start":905.505,"end":913.66,"sentiment":"neutral","sentiment_score":0.011924975701878148},{"text":"Yep.","start":915.08,"end":915.56,"sentiment":"neutral","sentiment_score":0.2123016119003296},{"text":"Beautiful.","start":915.56,"end":916.06,"sentiment":"positive","sentiment_score":0.5372549891471863},{"text":"I'm just pulling up the document.","start":916.44,"end":918.14,"sentiment":"neutral","sentiment_score":0.3019149601459503}],"sentiment":"neutral","sentiment_score":0.04487876154815973,"num_words":67,"start":898.86505,"end":918.14},{"sentences":[{"text":"Pre assessment.","start":919.96,"end":920.78,"sentiment":"neutral","sentiment_score":0.16646715998649597},{"text":"There we go.","start":920.84,"end":921.82,"sentiment":"neutral","sentiment_score":0.1877979834874471},{"text":"Beautiful.","start":922.695,"end":923.09503,"sentiment":"positive","sentiment_score":0.46262580156326294},{"text":"So this is just a bit of a a lifestyle and medical questionnaire.","start":923.09503,"end":926.775,"sentiment":"neutral","sentiment_score":0.11335243829167806},{"text":"This kinda gives me an idea of what might be offered, what exclusions might be on the policy.","start":926.775,"end":931.995,"sentiment":"neutral","sentiment_score":0.06742448028590944}],"sentiment":"neutral","sentiment_score":0.1093561193226157,"num_words":37,"start":919.96,"end":931.995},{"sentences":[{"text":"So the fun the fun thing about insurances is, you know, if there's any preexisting conditions, they generally won't cover you for them.","start":932.055,"end":941.5,"sentiment":"neutral","sentiment_score":-0.016363594519055412},{"text":"So it's the same thing if you had your car insurance and, you know, you went to there was a storm coming.","start":941.5,"end":946.7,"sentiment":"neutral","sentiment_score":-0.12379966303706169},{"text":"We can't call the insurance and say, hey.","start":946.7,"end":948.38,"sentiment":"neutral","sentiment_score":-0.2896518427878618},{"text":"There's a storm on its way.","start":948.38,"end":949.42,"sentiment":"neutral","sentiment_score":-0.1417480781674385},{"text":"I wanna protect my car against hail damage.","start":949.42,"end":951.695,"sentiment":"neutral","sentiment_score":-0.15506795514374971}],"sentiment":"neutral","sentiment_score":-0.11206271810762918,"num_words":67,"start":932.055,"end":951.695},{"sentences":[{"text":"They won't do it.","start":951.695,"end":952.41504,"sentiment":"negative","sentiment_score":-0.3425716161727905},{"text":"It's preexisting.","start":952.41504,"end":953.155,"sentiment":"neutral","sentiment_score":-0.24206270277500153},{"text":"It's or the risk is already there, and the likelihood of claiming is much higher.","start":953.29504,"end":957.555,"sentiment":"negative","sentiment_score":-0.363219874103864},{"text":"So the same thing happens, you know, if we've had back injuries or knee injuries in the past.","start":958.015,"end":962.335,"sentiment":"neutral","sentiment_score":-0.1682497130499946},{"text":"If they're fairly recent or ongoing, they're more likely to exclude those from the policy, so you can't claim on those sort of things.","start":962.335,"end":970.04,"sentiment":"neutral","sentiment_score":-0.2168833843121926}],"sentiment":"neutral","sentiment_score":-0.24660961968558176,"num_words":63,"start":951.695,"end":970.04},{"sentences":[{"text":"And that's because the risk of you claiming is so much higher.","start":970.04,"end":973.33997,"sentiment":"neutral","sentiment_score":-0.27495181063810986},{"text":"They like to, you know, try to reduce the risk level as much as possible.","start":974.36,"end":978.13995,"sentiment":"neutral","sentiment_score":-0.12453703135251999},{"text":"But I'll run through these with you just to kinda get an idea of how everything looks.","start":979.585,"end":983.42505,"sentiment":"neutral","sentiment_score":0.07451132553465226},{"text":"Now a couple of bizarre questions to begin.","start":983.42505,"end":986.005,"sentiment":"neutral","sentiment_score":0.004706332576461136},{"text":"Have you ever been on a part nine debt agreement or bankrupt?","start":986.065,"end":989.205,"sentiment":"neutral","sentiment_score":-0.0009467713922883073}],"sentiment":"neutral","sentiment_score":-0.06053898843674688,"num_words":64,"start":970.04,"end":989.205},{"sentences":[{"text":"Beautiful.","start":991.01,"end":991.51,"sentiment":"positive","sentiment_score":0.4131528735160827},{"text":"Excellent.","start":991.89,"end":992.39,"sentiment":"positive","sentiment_score":0.4586483836174011},{"text":"Do you have any qualifications for your role?","start":993.33,"end":996.53,"sentiment":"neutral","sentiment_score":0.10353755252435803},{"text":"Have you been to uni or got any degrees or qualifications?","start":996.53,"end":999.27,"sentiment":"neutral","sentiment_score":0.008958194574171846},{"text":"Nope.","start":999.97003,"end":1000.29,"sentiment":"neutral","sentiment_score":-0.03567880019545555}],"sentiment":"neutral","sentiment_score":0.08013468261130831,"num_words":22,"start":991.01,"end":1000.29},{"sentences":[{"text":"That's okay.","start":1000.29,"end":1001.11,"sentiment":"neutral","sentiment_score":0.03193389158695936},{"text":"Not a problem at all.","start":1001.25,"end":1002.63,"sentiment":"neutral","sentiment_score":0.13795376420021058},{"text":"Now would you say that your duties are a 100% administration or a bit less?","start":1003.365,"end":1008.505,"sentiment":"neutral","sentiment_score":0.01318953347702821},{"text":"100%?","start":1011.925,"end":1012.645,"sentiment":"neutral","sentiment_score":0.037938036024570465},{"text":"Yep.","start":1012.645,"end":1012.965,"sentiment":"neutral","sentiment_score":0.07197227329015732}],"sentiment":"neutral","sentiment_score":0.04422457981854677,"num_words":24,"start":1000.29,"end":1012.965},{"sentences":[{"text":"Beautiful.","start":1012.965,"end":1013.465,"sentiment":"neutral","sentiment_score":0.19838643074035645},{"text":"Do you do any domestic travel for work?","start":1013.525,"end":1016.585,"sentiment":"neutral","sentiment_score":0.009827745496295393},{"text":"Nope.","start":1018.14,"end":1018.38,"sentiment":"neutral","sentiment_score":-0.078776054084301},{"text":"That's okay.","start":1018.38,"end":1019.27997,"sentiment":"neutral","sentiment_score":-0.025945677421987057},{"text":"You probably wouldn't do any hazardous activities going underground or using explosives or anything crazy as part of your role.","start":1020.38,"end":1027.6799,"sentiment":"neutral","sentiment_score":-0.0904183465987444}],"sentiment":"neutral","sentiment_score":-0.051938310818513855,"num_words":32,"start":1012.965,"end":1027.6799},{"sentences":[{"text":"Do you intend to change your occupation within the next twelve months?","start":1028.94,"end":1032.735,"sentiment":"neutral","sentiment_score":-0.0495843164001902},{"text":"Right.","start":1034.735,"end":1034.975,"sentiment":"neutral","sentiment_score":0.010958456434309484},{"text":"Beautiful.","start":1034.975,"end":1035.475,"sentiment":"neutral","sentiment_score":0.07925258576869965},{"text":"Do you have a secondary job?","start":1036.975,"end":1039.075,"sentiment":"neutral","sentiment_score":0.02378076206271847},{"text":"Yep.","start":1042.015,"end":1042.495,"sentiment":"neutral","sentiment_score":0.04058344662189483}],"sentiment":"neutral","sentiment_score":-0.015311082647669883,"num_words":21,"start":1028.94,"end":1042.495},{"sentences":[{"text":"What is it that you do as a secondary role?","start":1042.495,"end":1045.315,"sentiment":"neutral","sentiment_score":0.0210558551363647},{"text":"Okay.","start":1054.72,"end":1055.22,"sentiment":"neutral","sentiment_score":0.061263907700777054},{"text":"Yep.","start":1059.215,"end":1059.715,"sentiment":"neutral","sentiment_score":0.050310831516981125},{"text":"Beautiful.","start":1060.815,"end":1061.315,"sentiment":"neutral","sentiment_score":0.24032661318778992},{"text":"Okay.","start":1072.56,"end":1073.06,"sentiment":"neutral","sentiment_score":0.09133116900920868}],"sentiment":"neutral","sentiment_score":0.046699362341314554,"num_words":14,"start":1042.495,"end":1073.06},{"sentences":[{"text":"Beautiful.","start":1074.7201,"end":1075.2201,"sentiment":"neutral","sentiment_score":0.1359466016292572},{"text":"Yep.","start":1076.88,"end":1077.38,"sentiment":"neutral","sentiment_score":0.06535516679286957},{"text":"Yep.","start":1078.3201,"end":1078.8201,"sentiment":"neutral","sentiment_score":0.04519994556903839},{"text":"That's okay.","start":1083.495,"end":1084.395,"sentiment":"neutral","sentiment_score":0.014401909895241264},{"text":"No.","start":1086.775,"end":1087.0951,"sentiment":"neutral","sentiment_score":-0.04431277513504028}],"sentiment":"neutral","sentiment_score":0.0384987931077679,"num_words":6,"start":1074.7201,"end":1087.0951},{"sentences":[{"text":"That's okay.","start":1087.0951,"end":1087.5751,"sentiment":"neutral","sentiment_score":-0.002686852589249611},{"text":"It's more just a home duty.","start":1087.5751,"end":1088.6951,"sentiment":"neutral","sentiment_score":0.018033764169861872},{"text":"You're just providing assistance to clients once a week, and you do that every week?","start":1088.6951,"end":1093.435,"sentiment":"neutral","sentiment_score":0.07853309934337933},{"text":"Yep.","start":1095.3501,"end":1095.8501,"sentiment":"neutral","sentiment_score":0.047123417258262634},{"text":"Yep.","start":1096.2301,"end":1096.63,"sentiment":"neutral","sentiment_score":0.045150451362133026}],"sentiment":"neutral","sentiment_score":0.05492396954447031,"num_words":25,"start":1087.0951,"end":1096.63},{"sentences":[{"text":"And how many hours would you do each each Saturday?","start":1096.63,"end":1099.05,"sentiment":"neutral","sentiment_score":0.02714762818068266},{"text":"Six hours.","start":1107.205,"end":1108.0249,"sentiment":"neutral","sentiment_score":-0.014320152811706066},{"text":"Beautiful.","start":1108.1649,"end":1108.6649,"sentiment":"neutral","sentiment_score":0.29730576276779175},{"text":"With this one here, they may change the occupation rating of it because you do do some in home assistance for a client.","start":1109.6849,"end":1118.725,"sentiment":"neutral","sentiment_score":-0.05928551073631515},{"text":"So that may add a little bit of risk to the policy, and so just in admin workers, so it may increase the cost of things.","start":1118.725,"end":1124.65,"sentiment":"neutral","sentiment_score":-0.15121157066180155}],"sentiment":"neutral","sentiment_score":-0.07669235234178844,"num_words":62,"start":1096.63,"end":1124.65},{"sentences":[{"text":"I will go back as part of the advice, and I will have a look at the the contracts offered and see what that look like.","start":1125.19,"end":1131.4299,"sentiment":"neutral","sentiment_score":0.009496247539153466},{"text":"And I'll add all of this into the advice document for you so you can read it and see it all in writing.","start":1131.4299,"end":1135.775,"sentiment":"neutral","sentiment_score":0.058248527752964394},{"text":"Is that okay?","start":1135.775,"end":1136.675,"sentiment":"neutral","sentiment_score":0.03795080507795016},{"text":"Yep.","start":1137.775,"end":1138.175,"sentiment":"neutral","sentiment_score":0.08283999562263489},{"text":"Beautiful.","start":1138.175,"end":1138.675,"sentiment":"neutral","sentiment_score":0.3086707592010498}],"sentiment":"neutral","sentiment_score":0.03874040267395752,"num_words":54,"start":1125.19,"end":1138.675},{"sentences":[{"text":"Do you have any plans to travel overseas or an overseas travel booked in the next twelve months at all?","start":1139.855,"end":1145.3151,"sentiment":"neutral","sentiment_score":0.07009484805166721},{"text":"Yeah.","start":1147.39,"end":1147.89,"sentiment":"neutral","sentiment_score":0.06909587979316711},{"text":"Nice.","start":1148.27,"end":1148.67,"sentiment":"neutral","sentiment_score":0.13433368504047394},{"text":"Whereabouts are you heading 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sports?","start":1187.2949,"end":1191.395,"sentiment":"neutral","sentiment_score":0.08860020277400811},{"text":"Just the gym.","start":1194.335,"end":1195.135,"sentiment":"neutral","sentiment_score":0.04930225511391958},{"text":"Beautiful.","start":1195.135,"end":1195.5349,"sentiment":"neutral","sentiment_score":0.14896640181541443},{"text":"And how often do you go?","start":1195.5349,"end":1197.155,"sentiment":"neutral","sentiment_score":0.032585398914913334},{"text":"Four days a week.","start":1200.51,"end":1201.3099,"sentiment":"neutral","sentiment_score":0.026955181499943137}],"sentiment":"neutral","sentiment_score":0.06397725845902012,"num_words":26,"start":1187.2949,"end":1201.3099},{"sentences":[{"text":"Beautiful.","start":1201.3099,"end":1201.8099,"sentiment":"neutral","sentiment_score":0.25907912850379944},{"text":"Excellent.","start":1203.3099,"end":1203.8099,"sentiment":"neutral","sentiment_score":0.20616210997104645},{"text":"And you've 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10.","start":1220.625,"end":1221.3451,"sentiment":"neutral","sentiment_score":-0.031635867431759834},{"text":"Yep.","start":1221.3451,"end":1221.7451,"sentiment":"neutral","sentiment_score":-0.02454993687570095},{"text":"Depending on the day and how stressful it 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it it's difficult.","start":1275.305,"end":1281.62,"sentiment":"neutral","sentiment_score":-0.3180346095561981},{"text":"No.","start":1281.76,"end":1281.92,"sentiment":"neutral","sentiment_score":-0.23662301898002625},{"text":"I completely understand.","start":1281.92,"end":1282.96,"sentiment":"neutral","sentiment_score":-0.11057171473900478},{"text":"It's part of our job.","start":1282.96,"end":1284.0801,"sentiment":"neutral","sentiment_score":0.0124891996383667}],"sentiment":"neutral","sentiment_score":-0.2126732746861419,"num_words":49,"start":1271.705,"end":1284.0801},{"sentences":[{"text":"We listen to a lot of, you know, what's happening in people's lives and really try to understand a lot of hardship and things like that, and it's it's definitely not easy.","start":1284.0801,"end":1292.16,"sentiment":"neutral","sentiment_score":-0.11549251724500209},{"text":"You tend to wanna you you tend to empathize and sympathize a lot with people and start to take on a lot of those feelings, and sometimes it just sits with you.","start":1292.16,"end":1300.525,"sentiment":"neutral","sentiment_score":0.11727561894804239},{"text":"So I absolutely understand.","start":1300.525,"end":1301.8251,"sentiment":"neutral","sentiment_score":0.16965287178754807},{"text":"Yeah.","start":1302.2051,"end":1302.7051,"sentiment":"neutral","sentiment_score":0.023142671212553974},{"text":"The next one here is, have you ever taken any illicit drugs?","start":1305.2451,"end":1309.6299,"sentiment":"neutral","sentiment_score":-0.049096397745112576}],"sentiment":"neutral","sentiment_score":0.002094526418749197,"num_words":81,"start":1284.0801,"end":1309.6299},{"sentences":[{"text":"Beautiful.","start":1311.5299,"end":1312.0299,"sentiment":"positive","sentiment_score":0.3741828203201294},{"text":"Love that.","start":1312.1699,"end":1312.99,"sentiment":"positive","sentiment_score":0.3603881448507309},{"text":"Oh, 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alcohol?","start":1326.075,"end":1331.0549,"sentiment":"neutral","sentiment_score":-0.0196576705823342},{"text":"And if so, how many would you have?","start":1331.115,"end":1333.375,"sentiment":"neutral","sentiment_score":-0.02646133815869689}],"sentiment":"neutral","sentiment_score":-0.044629136277806195,"num_words":42,"start":1318.4099,"end":1333.375},{"sentences":[{"text":"Yep.","start":1338.95,"end":1339.45,"sentiment":"neutral","sentiment_score":0.016220752149820328},{"text":"Oh, yeah.","start":1342.87,"end":1343.85,"sentiment":"neutral","sentiment_score":-0.005247650668025017},{"text":"They ask on a weekly basis, but if you don't drink every week, if you would average it out on a monthly basis, that's absolutely fine.","start":1343.99,"end":1355.355,"sentiment":"neutral","sentiment_score":0.008206284461686244},{"text":"Per per month?","start":1355.355,"end":1356.955,"sentiment":"neutral","sentiment_score":0.016965293015042942},{"text":"Yep.","start":1356.955,"end":1357.455,"sentiment":"neutral","sentiment_score":0.14912092685699463}],"sentiment":"neutral","sentiment_score":0.012700171294537458,"num_words":33,"start":1338.95,"end":1357.455},{"sentences":[{"text":"Beautiful.","start":1359.035,"end":1359.535,"sentiment":"positive","sentiment_score":0.5725558996200562},{"text":"Excellent.","start":1359.755,"end":1360.255,"sentiment":"positive","sentiment_score":0.5242104530334473},{"text":"And do you know roughly what your height and weight would 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fine.","start":1391.9801,"end":1393.6001,"sentiment":"positive","sentiment_score":0.355199933052063},{"text":"So we'll say five point five, and then weight is about seventy five.","start":1393.66,"end":1399.04,"sentiment":"neutral","sentiment_score":0.17075791725745568},{"text":"Excellent.","start":1399.1001,"end":1399.6001,"sentiment":"positive","sentiment_score":0.4888015687465668},{"text":"And have you lost any large sums of weight to say more than 10 kilos over the past twelve months?","start":1399.7401,"end":1405.505,"sentiment":"neutral","sentiment_score":0.13080447167158127},{"text":"No.","start":1406.8049,"end":1407.3049,"sentiment":"neutral","sentiment_score":-0.05427562817931175}],"sentiment":"neutral","sentiment_score":0.1667386341447893,"num_words":38,"start":1391.9801,"end":1407.3049},{"sentences":[{"text":"So do I.","start":1408.605,"end":1409.505,"sentiment":"neutral","sentiment_score":0.003682385509212812},{"text":"There we go.","start":1410.525,"end":1411.5851,"sentiment":"neutral","sentiment_score":0.08189425617456436},{"text":"Excellent.","start":1412.285,"end":1412.785,"sentiment":"positive","sentiment_score":0.420338898897171},{"text":"The next one here is just asking so, actually, I don't need to worry about those ones, so it's okay.","start":1413.805,"end":1419.185,"sentiment":"neutral","sentiment_score":0.17932670377194881},{"text":"The next one I hear are all of them, your medical history.","start":1419.39,"end":1422.03,"sentiment":"neutral","sentiment_score":0.05266220665847262}],"sentiment":"neutral","sentiment_score":0.12552690716126028,"num_words":39,"start":1408.605,"end":1422.03},{"sentences":[{"text":"So just kind of, you know, looking back and has any have you been diagnosed with or sought treatment for any of the below?","start":1422.03,"end":1428.6901,"sentiment":"neutral","sentiment_score":0.019879125679532688},{"text":"Is this the list?","start":1429.31,"end":1430.03,"sentiment":"neutral","sentiment_score":0.007680135080590844},{"text":"So I'll just run through the list.","start":1430.03,"end":1431.23,"sentiment":"neutral","sentiment_score":0.030182984258447374},{"text":"If you can just say yes or no.","start":1431.23,"end":1432.59,"sentiment":"neutral","sentiment_score":0.0031001915922388434},{"text":"Some of them are a bit deep, and I'm very, very sorry.","start":1432.59,"end":1434.885,"sentiment":"neutral","sentiment_score":-0.1650969615827004}],"sentiment":"neutral","sentiment_score":-0.022495664723894814,"num_words":55,"start":1422.03,"end":1434.885},{"sentences":[{"text":"I'll go very simple very easily on these ones.","start":1434.885,"end":1437.605,"sentiment":"neutral","sentiment_score":-0.0021080151200294495},{"text":"Okay.","start":1437.605,"end":1438.105,"sentiment":"neutral","sentiment_score":-0.02274102345108986},{"text":"The first one here is stress, anxiety, depression, or any mental health 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arthritis?","start":1454.74,"end":1464.825,"sentiment":"neutral","sentiment_score":-0.09248118085617368},{"text":"No.","start":1466.725,"end":1467.0449,"sentiment":"neutral","sentiment_score":-0.08708693832159042},{"text":"Beautiful.","start":1467.0449,"end":1467.5449,"sentiment":"neutral","sentiment_score":-0.014906609430909157}],"sentiment":"neutral","sentiment_score":-0.07810573906383732,"num_words":33,"start":1447.86,"end":1467.5449},{"sentences":[{"text":"Any sciatica, spondylitis, or other back and neck problems?","start":1467.7649,"end":1470.9049,"sentiment":"neutral","sentiment_score":-0.04153031441900465},{"text":"No.","start":1472.6449,"end":1473.1449,"sentiment":"neutral","sentiment_score":-0.07073995471000671},{"text":"Any HIV, hep b, or c?","start":1473.205,"end":1475.465,"sentiment":"neutral","sentiment_score":-0.04878711886703968},{"text":"Nope.","start":1477.1799,"end":1477.4199,"sentiment":"neutral","sentiment_score":-0.10019802302122116},{"text":"Any blood 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respiratory conditions?","start":1489.4349,"end":1491.695,"sentiment":"neutral","sentiment_score":-0.03871627226471901},{"text":"Any disease of your eyes or ears?","start":1493.4349,"end":1495.5349,"sentiment":"neutral","sentiment_score":-0.0355739596166781},{"text":"No.","start":1497.2749,"end":1497.595,"sentiment":"neutral","sentiment_score":-0.03742091357707977},{"text":"Any high blood pressure or high cholesterol?","start":1497.595,"end":1499.7749,"sentiment":"neutral","sentiment_score":-0.04705686015742166},{"text":"Any skin conditions or diabetes?","start":1501.87,"end":1503.73,"sentiment":"neutral","sentiment_score":-0.032396820932626726}],"sentiment":"neutral","sentiment_score":-0.03885608471930027,"num_words":25,"start":1489.4349,"end":1503.73},{"sentences":[{"text":"Any thyroid conditions?","start":1506.03,"end":1507.41,"sentiment":"neutral","sentiment_score":-0.024653805419802666},{"text":"Or anything else in this list we haven't touched on?","start":1508.99,"end":1511.89,"sentiment":"neutral","sentiment_score":-0.029625198990106582},{"text":"No.","start":1514.135,"end":1514.455,"sentiment":"neutral","sentiment_score":-0.02591048739850521},{"text":"Beautiful.","start":1514.455,"end":1514.955,"sentiment":"neutral","sentiment_score":0.3040608763694763},{"text":"I love that.","start":1515.1749,"end":1515.815,"sentiment":"positive","sentiment_score":0.5124117036660513}],"sentiment":"neutral","sentiment_score":0.08028733854492505,"num_words":18,"start":1506.03,"end":1515.815},{"sentences":[{"text":"No for everything.","start":1515.815,"end":1516.7949,"sentiment":"neutral","sentiment_score":0.009272559235493342},{"text":"The next one here is have you ever had or have you had any abnormal pap 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okay.","start":1537.04,"end":1537.8601,"sentiment":"neutral","sentiment_score":0.020919250935548916},{"text":"Beautiful.","start":1537.92,"end":1538.42,"sentiment":"positive","sentiment_score":0.3669512271881103},{"text":"It's really good that you've said no to all of those.","start":1538.56,"end":1540.9801,"sentiment":"neutral","sentiment_score":0.21053626252846283}],"sentiment":"neutral","sentiment_score":0.0664636556649822,"num_words":27,"start":1531.2001,"end":1540.9801},{"sentences":[{"text":"The next couple are just family history.","start":1541.385,"end":1543.625,"sentiment":"neutral","sentiment_score":-0.06811955198645592},{"text":"So have any of your immediate family, so your mother, father, brother, or sister, been diagnosed with or suffered any of the following before the age of 60?","start":1543.625,"end":1553.305,"sentiment":"neutral","sentiment_score":-0.030662652238139083},{"text":"So after 60, they're not worried just before the age of 60.","start":1553.305,"end":1557.0,"sentiment":"neutral","sentiment_score":-0.028727571674001712},{"text":"60.","start":1557.96,"end":1558.2,"sentiment":"neutral","sentiment_score":-0.016882339492440224},{"text":"Has anyone had suffered or been diagnosed with a heart attack, heart disease, or stroke?","start":1558.2,"end":1563.58,"sentiment":"neutral","sentiment_score":-0.04856792936722438}],"sentiment":"neutral","sentiment_score":-0.03850036931209384,"num_words":63,"start":1541.385,"end":1563.58},{"sentences":[{"text":"No.","start":1565.4,"end":1565.9,"sentiment":"neutral","sentiment_score":-0.0611024834215641},{"text":"Muscular sorry.","start":1565.96,"end":1567.0,"sentiment":"neutral","sentiment_score":-0.06642461195588112},{"text":"Multiple sclerosis, Parkinson's, or Alzheimer's?","start":1567.0,"end":1569.42,"sentiment":"neutral","sentiment_score":-0.06442795619368553},{"text":"Muscular dystrophy, Huntington's motor neurone disease, any bowel cancer, melanomas, Before the age of 60.","start":1571.9049,"end":1586.08,"sentiment":"neutral","sentiment_score":-0.04616617125769456},{"text":"Six zero.","start":1586.08,"end":1586.72,"sentiment":"neutral","sentiment_score":-0.023821677081286907}],"sentiment":"neutral","sentiment_score":-0.05024909645318985,"num_words":25,"start":1565.4,"end":1586.72},{"sentences":[{"text":"Yeah.","start":1586.72,"end":1587.22,"sentiment":"neutral","sentiment_score":-0.01718692108988762},{"text":"Yep.","start":1587.6799,"end":1588.1799,"sentiment":"neutral","sentiment_score":-0.014426236972212791},{"text":"Yep.","start":1588.5599,"end":1589.0599,"sentiment":"neutral","sentiment_score":-0.022510379552841187},{"text":"All good.","start":1590.5599,"end":1591.2799,"sentiment":"neutral","sentiment_score":0.0025411145761609077},{"text":"Any polycystic kidney disease?","start":1591.2799,"end":1593.38,"sentiment":"neutral","sentiment_score":-0.031904373317956924}],"sentiment":"neutral","sentiment_score":-0.019628755748271942,"num_words":9,"start":1586.72,"end":1593.38},{"sentences":[{"text":"Nope.","start":1595.155,"end":1595.395,"sentiment":"neutral","sentiment_score":-0.07443124055862427},{"text":"Any breast or ovarian cancer?","start":1595.395,"end":1597.255,"sentiment":"neutral","sentiment_score":-0.06044997423887253},{"text":"Any mental health conditions?","start":1598.915,"end":1600.4551,"sentiment":"neutral","sentiment_score":-0.049356335774064064},{"text":"Any cardiomyopathy?","start":1602.035,"end":1602.935,"sentiment":"neutral","sentiment_score":-0.04702038876712322},{"text":"Is it around the heart, the heart conditions?","start":1606.515,"end":1608.535,"sentiment":"neutral","sentiment_score":-0.03999767266213894}],"sentiment":"neutral","sentiment_score":-0.049406430684030056,"num_words":20,"start":1595.155,"end":1608.535},{"sentences":[{"text":"Nope.","start":1610.22,"end":1610.54,"sentiment":"neutral","sentiment_score":-0.11331509053707124},{"text":"Lovely.","start":1610.54,"end":1610.9401,"sentiment":"neutral","sentiment_score":0.003037787973880768},{"text":"Any diabetes?","start":1610.9401,"end":1611.84,"sentiment":"neutral","sentiment_score":-0.02176589146256447},{"text":"No.","start":1623.275,"end":1623.515,"sentiment":"neutral","sentiment_score":-0.06243487447500229},{"text":"That's okay.","start":1623.515,"end":1624.235,"sentiment":"neutral","sentiment_score":-0.0325675904750824}],"sentiment":"neutral","sentiment_score":-0.04019702013049807,"num_words":7,"start":1610.22,"end":1624.235},{"sentences":[{"text":"That would've very recent would be after 60, so that's absolutely fine.","start":1624.235,"end":1628.655,"sentiment":"neutral","sentiment_score":-0.017371990135870874},{"text":"Yep.","start":1630.795,"end":1631.295,"sentiment":"neutral","sentiment_score":0.011057406663894652},{"text":"Okay.","start":1634.17,"end":1634.65,"sentiment":"neutral","sentiment_score":0.22111371159553528},{"text":"Perfect.","start":1634.65,"end":1635.15,"sentiment":"positive","sentiment_score":0.5213463306427002},{"text":"So it's really good, and he's doing really well with it.","start":1635.53,"end":1638.5901,"sentiment":"positive","sentiment_score":0.6592090698805723}],"sentiment":"neutral","sentiment_score":0.2998597436906913,"num_words":26,"start":1624.235,"end":1638.5901},{"sentences":[{"text":"That's good.","start":1640.3301,"end":1641.15,"sentiment":"neutral","sentiment_score":0.25873181968927383},{"text":"Oh, that's beautiful.","start":1643.2101,"end":1644.51,"sentiment":"positive","sentiment_score":0.4271039664745331},{"text":"Yeah.","start":1649.545,"end":1649.625,"sentiment":"neutral","sentiment_score":0.2908584177494049},{"text":"Oh, I'm glad they're doing really well and getting out there and enjoying their life.","start":1649.625,"end":1652.905,"sentiment":"positive","sentiment_score":0.6502547224362691},{"text":"That's really important.","start":1652.905,"end":1653.885,"sentiment":"positive","sentiment_score":0.40892749031384784}],"sentiment":"positive","sentiment_score":0.5445932193348805,"num_words":24,"start":1640.3301,"end":1653.885},{"sentences":[{"text":"Yep.","start":1661.5599,"end":1662.0599,"sentiment":"neutral","sentiment_score":-0.02158070169389248},{"text":"When was he diagnosed?","start":1662.12,"end":1663.2599,"sentiment":"neutral","sentiment_score":-0.026986210606992245},{"text":"You know?","start":1663.32,"end":1663.98,"sentiment":"neutral","sentiment_score":-0.025124981068074703},{"text":"Also, after the yes.","start":1667.5599,"end":1669.5599,"sentiment":"neutral","sentiment_score":-0.021283702924847603},{"text":"After he turned 60.","start":1669.5599,"end":1670.86,"sentiment":"neutral","sentiment_score":-0.00870912941172719}],"sentiment":"neutral","sentiment_score":-0.019983122373620668,"num_words":15,"start":1661.5599,"end":1670.86},{"sentences":[{"text":"Yep.","start":1671.08,"end":1671.58,"sentiment":"neutral","sentiment_score":0.004580165259540081},{"text":"No.","start":1672.115,"end":1672.275,"sentiment":"neutral","sentiment_score":-0.010722286067903042},{"text":"That's that's okay.","start":1672.275,"end":1673.395,"sentiment":"neutral","sentiment_score":0.028507504767427843},{"text":"They won't worry too much about that, which is good, but I'm glad that he went through that and come out the other side, and he's having those regular 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glad.","start":1737.63,"end":1738.53,"sentiment":"positive","sentiment_score":0.7109380960464478},{"text":"Fantastic.","start":1738.75,"end":1739.25,"sentiment":"positive","sentiment_score":0.6395856142044067}],"sentiment":"positive","sentiment_score":0.5649605095386505,"num_words":13,"start":1734.83,"end":1739.25},{"sentences":[{"text":"The last one on that list is any other conditions that they would have been diagnosed with or suffered from before the age of 60 that we haven't got on that list.","start":1740.67,"end":1749.4451,"sentiment":"neutral","sentiment_score":0.02622958057327196},{"text":"Okay.","start":1754.2251,"end":1754.7251,"sentiment":"neutral","sentiment_score":-0.05084489658474922},{"text":"Yep.","start":1759.745,"end":1760.245,"sentiment":"neutral","sentiment_score":-0.017595969140529633},{"text":"Okay.","start":1765.69,"end":1766.19,"sentiment":"neutral","sentiment_score":-0.010144127532839777},{"text":"Yep.","start":1771.77,"end":1772.27,"sentiment":"neutral","sentiment_score":-0.060605406761169434}],"sentiment":"neutral","sentiment_score":0.019448782731261518,"num_words":36,"start":1740.67,"end":1772.27},{"sentences":[{"text":"Okay.","start":1774.675,"end":1775.175,"sentiment":"neutral","sentiment_score":-0.042643919587135315},{"text":"In a bit of pain.","start":1777.0751,"end":1778.2151,"sentiment":"neutral","sentiment_score":-0.08738514184951782},{"text":"Yeah.","start":1778.915,"end":1779.2351,"sentiment":"neutral","sentiment_score":-0.02092413604259491},{"text":"No.","start":1779.2351,"end":1779.4751,"sentiment":"neutral","sentiment_score":-0.035828620195388794},{"text":"That's absolutely that's absolutely okay.","start":1779.4751,"end":1782.3551,"sentiment":"neutral","sentiment_score":0.18644527792930604}],"sentiment":"neutral","sentiment_score":0.03045415419798631,"num_words":13,"start":1774.675,"end":1782.3551},{"sentences":[{"text":"Thank you so much for that.","start":1782.3551,"end":1784.055,"sentiment":"positive","sentiment_score":0.5120204339424769},{"text":"That is essentially the entire preassessment.","start":1784.675,"end":1786.8801,"sentiment":"neutral","sentiment_score":0.16992045938968658},{"text":"Look.","start":1786.8801,"end":1787.0801,"sentiment":"neutral","sentiment_score":0.09152090549468994},{"text":"The good news is there is nothing that's really flagging that might be an issue.","start":1787.0801,"end":1791.18,"sentiment":"neutral","sentiment_score":0.07248014025390148},{"text":"The only thing I can sort of see here is they may change.","start":1791.4,"end":1794.2001,"sentiment":"neutral","sentiment_score":-0.03869986935303761}],"sentiment":"neutral","sentiment_score":0.11627487970016352,"num_words":41,"start":1782.3551,"end":1794.2001},{"sentences":[{"text":"So with the quote that we had drawn up, that was looking at you being a 100% administration worker, whereas they may assess it more as, like a support worker, which is a little bit more of a risky occupation and can affect the premium slightly.","start":1794.2001,"end":1810.2849,"sentiment":"neutral","sentiment_score":-0.036230235198593655},{"text":"But what I'll do is I'll go back and have a look at the premiums as what they're gonna probably offer based on that.","start":1810.825,"end":1816.8,"sentiment":"neutral","sentiment_score":0.007181378547102213},{"text":"I'll check with the insurers directly.","start":1816.8,"end":1818.58,"sentiment":"neutral","sentiment_score":0.012440131977200508},{"text":"I'll look at Neos as we have today, but I'll also look at any other insurers and try to make the insurance costs as cheap as possible for you while still making sure you have that level of cover that you're after.","start":1818.8,"end":1830.855,"sentiment":"neutral","sentiment_score":0.07739071335111346},{"text":"Is that okay?","start":1830.9349,"end":1831.755,"sentiment":"neutral","sentiment_score":0.07715733349323273}],"sentiment":"neutral","sentiment_score":0.017043677843676126,"num_words":121,"start":1794.2001,"end":1831.755},{"sentences":[{"text":"Beautiful.","start":1833.815,"end":1834.315,"sentiment":"positive","sentiment_score":0.5872083902359009},{"text":"And I'll update the advice document to show what we're gonna do with the investments to make sure things are working harder for you down the track and also looking at the insurances.","start":1834.375,"end":1843.89,"sentiment":"neutral","sentiment_score":0.13897981268889975},{"text":"So you can see everything nice and clear in writing.","start":1843.89,"end":1846.6901,"sentiment":"positive","sentiment_score":0.7389688909053802},{"text":"We'll go through the advice document together, and then you'll also get to take that back and have a really good read of it and let me know whether you're happy to take the recommendations or not.","start":1846.6901,"end":1855.81,"sentiment":"positive","sentiment_score":0.6054397934191936},{"text":"Does that sound okay?","start":1855.81,"end":1856.9501,"sentiment":"positive","sentiment_score":0.34629467129707336}],"sentiment":"positive","sentiment_score":0.42764331952613943,"num_words":85,"start":1833.815,"end":1856.9501},{"sentences":[{"text":"Yeah.","start":1860.7151,"end":1861.035,"sentiment":"neutral","sentiment_score":0.20363979041576383},{"text":"So let's book in a time now.","start":1861.035,"end":1862.895,"sentiment":"neutral","sentiment_score":0.20307773564543044},{"text":"I've got most of the research all completed.","start":1863.035,"end":1865.515,"sentiment":"neutral","sentiment_score":0.3143642321228981},{"text":"I just need to follow-up on the insurance side of things.","start":1865.515,"end":1868.255,"sentiment":"neutral","sentiment_score":0.17786859788677908},{"text":"So I'll just go into my 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day?","start":1895.995,"end":1896.81,"sentiment":"neutral","sentiment_score":0.02712525613605976}],"sentiment":"neutral","sentiment_score":0.09207171631807631,"num_words":55,"start":1870.94,"end":1896.81},{"sentences":[{"text":"Yep.","start":1897.05,"end":1897.55,"sentiment":"neutral","sentiment_score":0.06901722401380539},{"text":"That's okay.","start":1897.77,"end":1898.5901,"sentiment":"neutral","sentiment_score":0.11900068074464798},{"text":"Absolutely.","start":1899.77,"end":1900.27,"sentiment":"neutral","sentiment_score":0.13275675475597382},{"text":"Did you want to make it sort of afternoon or morning?","start":1900.65,"end":1903.39,"sentiment":"neutral","sentiment_score":0.05814420702782544},{"text":"So I work until 06:00 Monday, Tuesday, Wednesday.","start":1908.01,"end":1911.615,"sentiment":"neutral","sentiment_score":0.03308879444375634}],"sentiment":"neutral","sentiment_score":0.058437911874574165,"num_words":23,"start":1897.05,"end":1911.615},{"sentences":[{"text":"Thursdays, I do actually work until 7PM, sometimes a bit later.","start":1911.675,"end":1915.995,"sentiment":"neutral","sentiment_score":0.06726829978552731},{"text":"I could do it Thursday night if you 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05:30?","start":1929.1499,"end":1931.4099,"sentiment":"neutral","sentiment_score":0.024184687063097954},{"text":"Perfect.","start":1933.87,"end":1934.37,"sentiment":"positive","sentiment_score":0.4486834406852722}],"sentiment":"neutral","sentiment_score":0.07726502029055898,"num_words":11,"start":1926.59,"end":1934.37},{"sentences":[{"text":"Absolutely.","start":1939.305,"end":1939.805,"sentiment":"neutral","sentiment_score":0.2095688134431839},{"text":"Yeah.","start":1941.705,"end":1942.205,"sentiment":"neutral","sentiment_score":0.15793395042419434},{"text":"That's okay.","start":1942.265,"end":1942.985,"sentiment":"neutral","sentiment_score":0.25164342671632767},{"text":"I'll send a little email now just with the follow-up there just to let you know that booking time is being set.","start":1942.985,"end":1948.525,"sentiment":"neutral","sentiment_score":0.2591263780539686},{"text":"That's all good to go.","start":1949.385,"end":1950.58,"sentiment":"positive","sentiment_score":0.5359042048454284}],"sentiment":"neutral","sentiment_score":0.2984222889907898,"num_words":31,"start":1939.305,"end":1950.58},{"sentences":[{"text":"So that's Monday the sorry.","start":1950.58,"end":1952.1799,"sentiment":"neutral","sentiment_score":-0.006547680869698524},{"text":"Wednesday, July 1.","start":1952.1799,"end":1953.78,"sentiment":"neutral","sentiment_score":-0.044465297212203346},{"text":"That is crazy how fast this year is going.","start":1953.7799,"end":1956.36,"sentiment":"neutral","sentiment_score":-0.15141266998317507},{"text":"And that's at 05:30PM there for your statement of advice presentation.","start":1958.98,"end":1963.08,"sentiment":"neutral","sentiment_score":-0.01566867936741222},{"text":"I'll have that all ready to go.","start":1963.22,"end":1965.0,"sentiment":"positive","sentiment_score":0.4439186836991991}],"sentiment":"neutral","sentiment_score":0.04017791391483375,"num_words":35,"start":1950.58,"end":1965.0},{"sentences":[{"text":"I'll email you the document when I'm on the phone with you so then you can go through it with me.","start":1965.3949,"end":1969.715,"sentiment":"neutral","sentiment_score":0.28803518201623646},{"text":"You can see all the pages, ask any questions that you have, and then you'll get some time afterwards to read it before you decide to take the advice or not.","start":1969.715,"end":1977.635,"sentiment":"neutral","sentiment_score":0.18157491953142227},{"text":"Okay?","start":1977.635,"end":1978.135,"sentiment":"neutral","sentiment_score":0.12805713713169098},{"text":"All good.","start":1980.86,"end":1981.42,"sentiment":"positive","sentiment_score":0.6499914526939392},{"text":"Do you have any other questions, anything?","start":1981.42,"end":1984.72,"sentiment":"neutral","sentiment_score":0.12652017921209335}],"sentiment":"neutral","sentiment_score":0.2256652036261174,"num_words":62,"start":1965.3949,"end":1984.72},{"sentences":[{"text":"Yeah.","start":1985.42,"end":1985.92,"sentiment":"neutral","sentiment_score":0.02215531095862389},{"text":"Yeah.","start":1990.22,"end":1990.72,"sentiment":"neutral","sentiment_score":0.0022854572162032127},{"text":"Yeah.","start":1992.395,"end":1992.635,"sentiment":"neutral","sentiment_score":0.10681430995464324},{"text":"That's absolutely fine.","start":1992.635,"end":1994.175,"sentiment":"neutral","sentiment_score":0.29986558357874554},{"text":"That's honestly not a problem at all.","start":2000.555,"end":2002.715,"sentiment":"neutral","sentiment_score":0.2584986516407558}],"sentiment":"neutral","sentiment_score":0.21848787618084595,"num_words":13,"start":1985.42,"end":2002.715},{"sentences":[{"text":"Yeah.","start":2002.715,"end":2002.955,"sentiment":"neutral","sentiment_score":0.1780896931886673},{"text":"Absolutely fine.","start":2002.955,"end":2004.255,"sentiment":"neutral","sentiment_score":0.28960859030485153},{"text":"It's something that I think we're all kinda looking at the moment, isn't it, how home loans and if they're gonna continue going up.","start":2004.76,"end":2010.22,"sentiment":"neutral","sentiment_score":0.049517951517676316},{"text":"Yeah.","start":2013.5599,"end":2014.0599,"sentiment":"neutral","sentiment_score":0.04020143672823906},{"text":"Yep.","start":2019.095,"end":2019.595,"sentiment":"neutral","sentiment_score":0.05812938138842583}],"sentiment":"neutral","sentiment_score":0.07048512166687126,"num_words":29,"start":2002.715,"end":2019.595},{"sentences":[{"text":"Okay.","start":2022.295,"end":2022.795,"sentiment":"neutral","sentiment_score":0.08012732863426208},{"text":"Yep.","start":2023.095,"end":2023.595,"sentiment":"neutral","sentiment_score":0.05377227067947388},{"text":"So that's just essentially it's just an option of who we can utilize, we can refer you through to just to kind of start the conversation.","start":2030.15,"end":2037.85,"sentiment":"neutral","sentiment_score":0.12970392692547578},{"text":"I always like that little brochure that we send through just to kinda give you an idea of what the cost thing might look like so you can sort of see if that works within your budget.","start":2037.91,"end":2046.305,"sentiment":"neutral","sentiment_score":0.13728016524298772},{"text":"But it also kind of you know, if you've got a local solicitor, you can always go on to them and say, hey.","start":2047.0851,"end":2051.405,"sentiment":"neutral","sentiment_score":0.07652410200756529}],"sentiment":"neutral","sentiment_score":0.11756388817659834,"num_words":88,"start":2022.295,"end":2051.405},{"sentences":[{"text":"What do you charge to do a will and a power of attorney?","start":2051.405,"end":2054.125,"sentiment":"neutral","sentiment_score":0.053973829230436914},{"text":"You know, what's your costing look like?","start":2054.125,"end":2055.8052,"sentiment":"neutral","sentiment_score":0.0390131702380521},{"text":"And just compare it.","start":2055.8052,"end":2057.0051,"sentiment":"neutral","sentiment_score":0.05524100549519062},{"text":"Yeah.","start":2057.0051,"end":2057.5051,"sentiment":"neutral","sentiment_score":0.08116991072893143},{"text":"Yeah.","start":2063.64,"end":2064.14,"sentiment":"neutral","sentiment_score":0.03107278048992157}],"sentiment":"neutral","sentiment_score":0.05030610326391,"num_words":26,"start":2051.405,"end":2064.14},{"sentences":[{"text":"Yep.","start":2068.5999,"end":2069.0999,"sentiment":"neutral","sentiment_score":0.07171803712844849},{"text":"Yep.","start":2069.895,"end":2070.395,"sentiment":"neutral","sentiment_score":0.04805956408381462},{"text":"No.","start":2079.575,"end":2080.075,"sentiment":"neutral","sentiment_score":0.09564623981714249},{"text":"That's okay.","start":2080.775,"end":2081.655,"sentiment":"neutral","sentiment_score":0.08509736508131027},{"text":"I'm so sorry that last email didn't come through.","start":2081.655,"end":2083.895,"sentiment":"neutral","sentiment_score":-0.2707222319311566}],"sentiment":"neutral","sentiment_score":-0.1464915368705988,"num_words":14,"start":2068.5999,"end":2083.895},{"sentences":[{"text":"I do apologize.","start":2083.895,"end":2084.635,"sentiment":"neutral","sentiment_score":-0.1820726344982783},{"text":"I'll have to find it for my IT because I can see it sent.","start":2084.935,"end":2087.72,"sentiment":"neutral","sentiment_score":-0.05427158397755453},{"text":"So I'll find it for my IT if there was an issue with it.","start":2087.72,"end":2090.04,"sentiment":"neutral","sentiment_score":-0.08687430912894863},{"text":"Sorry about that.","start":2090.04,"end":2091.1,"sentiment":"neutral","sentiment_score":-0.22991778949896494},{"text":"It's all okay.","start":2095.48,"end":2096.6199,"sentiment":"neutral","sentiment_score":-0.05150593196352323}],"sentiment":"neutral","sentiment_score":-0.09098733976684711,"num_words":37,"start":2083.895,"end":2096.6199},{"sentences":[{"text":"It's okay.","start":2096.76,"end":2097.4949,"sentiment":"neutral","sentiment_score":0.14721400290727615},{"text":"We got to sort it all today for you, and, yeah, I've got a good base to get some advice done to update everything for you as well.","start":2097.4949,"end":2105.6748,"sentiment":"positive","sentiment_score":0.4082303781594549},{"text":"Okay?","start":2105.7349,"end":2106.2349,"sentiment":"neutral","sentiment_score":0.16647611558437347},{"text":"Yeah.","start":2107.015,"end":2107.515,"sentiment":"neutral","sentiment_score":0.2184249460697174},{"text":"Yep.","start":2120.3901,"end":2120.79,"sentiment":"neutral","sentiment_score":0.04601177200675011}],"sentiment":"positive","sentiment_score":0.3683573159981858,"num_words":33,"start":2096.76,"end":2120.79},{"sentences":[{"text":"Yep.","start":2120.79,"end":2121.29,"sentiment":"neutral","sentiment_score":0.03586247190833092},{"text":"It is.","start":2123.9248,"end":2124.4849,"sentiment":"neutral","sentiment_score":0.08539684489369392},{"text":"Yeah.","start":2124.4849,"end":2124.7249,"sentiment":"neutral","sentiment_score":0.07116863131523132},{"text":"Look.","start":2124.7249,"end":2124.9648,"sentiment":"neutral","sentiment_score":0.050469838082790375},{"text":"There are other types of insurances that you can have.","start":2124.9648,"end":2127.845,"sentiment":"neutral","sentiment_score":0.06299479492008686}],"sentiment":"neutral","sentiment_score":0.06388283868630727,"num_words":15,"start":2120.79,"end":2127.845},{"sentences":[{"text":"The three main that you can pay for in super are life, TBD, and income protection.","start":2127.845,"end":2132.9048,"sentiment":"neutral","sentiment_score":0.10171278472989798},{"text":"There are other insurances that you can hold, like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a large traumatic condition like cancer, Parkinson's.","start":2133.9248,"end":2143.78,"sentiment":"neutral","sentiment_score":0.05298074136177699},{"text":"Trauma, you can't hold inside super.","start":2145.2,"end":2147.1199,"sentiment":"neutral","sentiment_score":-0.15481949970126152},{"text":"It is an out of pocket cost, So a lot of people don't really wanna hold or have trauma because they have to pay for that out of their back pocket.","start":2147.1199,"end":2155.325,"sentiment":"neutral","sentiment_score":-0.28445799144045},{"text":"If you wanted me to, I could show you what a recommendation for trauma looks like and add that in, but it all comes down to whether you've got, you know, expendable income or whether you're finding it's a bit tough or whether you wanna see trauma.","start":2156.025,"end":2168.7698,"sentiment":"neutral","sentiment_score":-0.09023396944270488}],"sentiment":"neutral","sentiment_score":-0.08285603461643824,"num_words":130,"start":2127.845,"end":2168.7698},{"sentences":[{"text":"Did you wanna no.","start":2168.91,"end":2170.5098,"sentiment":"neutral","sentiment_score":-0.11240105237811804},{"text":"That's okay.","start":2170.5098,"end":2171.41,"sentiment":"neutral","sentiment_score":-0.01882931776344776},{"text":"Yeah.","start":2174.8298,"end":2175.3298,"sentiment":"neutral","sentiment_score":-0.011879104189574718},{"text":"So TBD is total permanent disability.","start":2175.39,"end":2178.13,"sentiment":"neutral","sentiment_score":-0.0554638272151351},{"text":"It pays out in the event you're unable to ever go back to work again.","start":2178.43,"end":2183.225,"sentiment":"neutral","sentiment_score":-0.09005638485153517}],"sentiment":"neutral","sentiment_score":-0.07795609590331358,"num_words":28,"start":2168.91,"end":2183.225},{"sentences":[{"text":"Yeah.","start":2183.365,"end":2183.865,"sentiment":"neutral","sentiment_score":0.003749843686819077},{"text":"It's it's connected too.","start":2186.565,"end":2188.4849,"sentiment":"neutral","sentiment_score":0.02016235771588981},{"text":"So you've got your life insurance cover, and then your TPD is attached to that.","start":2188.4849,"end":2193.625,"sentiment":"neutral","sentiment_score":0.016119019500911234},{"text":"Yeah.","start":2193.765,"end":2194.265,"sentiment":"neutral","sentiment_score":0.013021172024309635},{"text":"So they're linked together, basically, but they are two separate policies.","start":2195.48,"end":2198.94,"sentiment":"neutral","sentiment_score":0.00862846074795181}],"sentiment":"neutral","sentiment_score":0.013566212728619576,"num_words":32,"start":2183.365,"end":2198.94},{"sentences":[{"text":"Yeah.","start":2202.3599,"end":2202.8599,"sentiment":"neutral","sentiment_score":0.1603231132030487},{"text":"Yeah.","start":2203.88,"end":2204.38,"sentiment":"neutral","sentiment_score":0.11327604204416276},{"text":"Yep.","start":2206.3599,"end":2206.8599,"sentiment":"neutral","sentiment_score":0.09414081275463104},{"text":"Yep.","start":2211.745,"end":2212.245,"sentiment":"neutral","sentiment_score":0.10130596160888672},{"text":"Yeah.","start":2218.865,"end":2219.2651,"sentiment":"neutral","sentiment_score":0.0669659972190857}],"sentiment":"neutral","sentiment_score":0.10720238536596298,"num_words":5,"start":2202.3599,"end":2219.2651},{"sentences":[{"text":"Yeah.","start":2219.2651,"end":2219.745,"sentiment":"neutral","sentiment_score":0.09249371290206908},{"text":"That's okay.","start":2219.745,"end":2220.385,"sentiment":"neutral","sentiment_score":0.18715591728687286},{"text":"I'm just going back into your file inside the Neos to look at the certificate of currency just to see.","start":2220.385,"end":2226.48,"sentiment":"neutral","sentiment_score":0.11455689184367657},{"text":"Because I know last time we spoke, there may have been an increase in your policy since then.","start":2226.48,"end":2231.3,"sentiment":"neutral","sentiment_score":0.033123373778329954},{"text":"So I'm just gonna pop in here real quick and just give you an updated amount on how much cover you have.","start":2231.52,"end":2240.745,"sentiment":"neutral","sentiment_score":0.12153185599229553}],"sentiment":"neutral","sentiment_score":0.09568039593952042,"num_words":63,"start":2219.2651,"end":2240.745},{"sentences":[{"text":"Find it.","start":2243.125,"end":2243.605,"sentiment":"neutral","sentiment_score":0.09413183853030205},{"text":"There we go.","start":2243.605,"end":2244.325,"sentiment":"neutral","sentiment_score":0.16441190242767334},{"text":"Beautiful.","start":2244.325,"end":2244.825,"sentiment":"positive","sentiment_score":0.4555013775825501},{"text":"So there we go.","start":2245.205,"end":2251.465,"sentiment":"neutral","sentiment_score":0.23925213143229485},{"text":"Okay.","start":2255.3801,"end":2255.86,"sentiment":"neutral","sentiment_score":0.047068577259778976}],"sentiment":"neutral","sentiment_score":0.19464344226501204,"num_words":11,"start":2243.125,"end":2255.86},{"sentences":[{"text":"So at the moment, do we have payments?","start":2255.86,"end":2261.7202,"sentiment":"neutral","sentiment_score":0.009427690994925797},{"text":"Nope.","start":2265.875,"end":2266.275,"sentiment":"neutral","sentiment_score":-0.02548243477940559},{"text":"Summary.","start":2266.275,"end":2266.775,"sentiment":"neutral","sentiment_score":0.008841738104820251},{"text":"Policy schedule, and that was from late last year.","start":2271.635,"end":2274.995,"sentiment":"neutral","sentiment_score":0.023818281168739002},{"text":"So it should be exactly the same because the last policy schedule, it looks like your policy renews at the end of the year then around about October.","start":2274.995,"end":2285.03,"sentiment":"neutral","sentiment_score":0.06768358272633382}],"sentiment":"neutral","sentiment_score":0.046133737832783385,"num_words":47,"start":2255.86,"end":2285.03},{"sentences":[{"text":"Let's see.","start":2287.57,"end":2288.05,"sentiment":"neutral","sentiment_score":0.051805488765239716},{"text":"Schedule.","start":2288.05,"end":2288.55,"sentiment":"neutral","sentiment_score":0.04273558408021927},{"text":"Just gotta pop into it.","start":2288.61,"end":2289.9702,"sentiment":"neutral","sentiment_score":0.032336904853582385},{"text":"It needs my little code.","start":2289.9702,"end":2291.35,"sentiment":"neutral","sentiment_score":0.013571549579501152},{"text":"Doesn't wanna let me in.","start":2306.69,"end":2307.89,"sentiment":"neutral","sentiment_score":-0.1100226767361164}],"sentiment":"neutral","sentiment_score":-0.009679141661359204,"num_words":18,"start":2287.57,"end":2307.89},{"sentences":[{"text":"That's okay.","start":2307.89,"end":2308.71,"sentiment":"neutral","sentiment_score":0.11832880601286888},{"text":"It is not a problem.","start":2308.85,"end":2310.31,"sentiment":"neutral","sentiment_score":0.1925454020500183},{"text":"Let's go.","start":2310.53,"end":2311.43,"sentiment":"neutral","sentiment_score":0.13136058300733566},{"text":"Yes.","start":2323.015,"end":2323.415,"sentiment":"neutral","sentiment_score":0.03440667316317558},{"text":"So from what I can see, the level of cover that we have here at the moment, this is the last policy schedule.","start":2323.415,"end":2329.675,"sentiment":"neutral","sentiment_score":0.03962936390029347}],"sentiment":"neutral","sentiment_score":0.07296932821698261,"num_words":33,"start":2307.89,"end":2329.675},{"sentences":[{"text":"Premium renewal date is around about the eleventh of the twenty fourth of the eleventh.","start":2331.0,"end":2337.58,"sentiment":"neutral","sentiment_score":0.046910002206762634},{"text":"So it kinda goes to renewal time every November.","start":2337.72,"end":2341.42,"sentiment":"neutral","sentiment_score":0.050527540345986686},{"text":"So the last renewal went through on November last year, and that essentially shows that your updated pre your updated sum insured for your life and TBD, you're currently covered for 327,302.","start":2341.48,"end":2358.525,"sentiment":"neutral","sentiment_score":0.08764442254323512},{"text":"Are you fairly happy with that level of cover at the moment?","start":2359.84,"end":2362.66,"sentiment":"neutral","sentiment_score":0.20399032533168793},{"text":"Did you wanna kinda look at the life and TPD?","start":2362.72,"end":2364.82,"sentiment":"neutral","sentiment_score":0.014154099114239215}],"sentiment":"neutral","sentiment_score":0.08400569631694219,"num_words":78,"start":2331.0,"end":2364.82},{"sentences":[{"text":"Or that's okay?","start":2365.04,"end":2367.8599,"sentiment":"neutral","sentiment_score":0.034943947568535805},{"text":"Yep.","start":2368.0,"end":2368.48,"sentiment":"neutral","sentiment_score":0.11769385635852814},{"text":"Beautiful.","start":2368.48,"end":2368.98,"sentiment":"positive","sentiment_score":0.5753850936889648},{"text":"Not a problem.","start":2369.04,"end":2369.76,"sentiment":"positive","sentiment_score":0.4390915234883626},{"text":"Well, I'll go back and just finish that insurance research for you.","start":2369.76,"end":2372.72,"sentiment":"neutral","sentiment_score":0.28060291955868405}],"sentiment":"neutral","sentiment_score":0.2741210198961198,"num_words":20,"start":2365.04,"end":2372.72},{"sentences":[{"text":"I'll update the advice document with you're at sorry.","start":2372.72,"end":2376.2952,"sentiment":"neutral","sentiment_score":0.0633299576325549},{"text":"Yep.","start":2376.2952,"end":2376.7952,"sentiment":"neutral","sentiment_score":0.026976969093084335},{"text":"It's three hundred and 27302.","start":2380.5352,"end":2383.995,"sentiment":"neutral","sentiment_score":0.013952560815960168},{"text":"Yeah.","start":2384.135,"end":2384.635,"sentiment":"neutral","sentiment_score":0.025402216240763664},{"text":"Yeah.","start":2391.51,"end":2391.91,"sentiment":"neutral","sentiment_score":0.007074353285133839}],"sentiment":"neutral","sentiment_score":0.04112858596422216,"num_words":17,"start":2372.72,"end":2391.91},{"sentences":[{"text":"So TBD, to give you a little bit of context, like, if you with the life cover, you have that same sum insured.","start":2391.91,"end":2398.49,"sentiment":"neutral","sentiment_score":0.05085928794806418},{"text":"So if you pass away, your beneficiaries receive the $3.27 $3.00 2 plus your super benefit on top of that.","start":2398.55,"end":2405.825,"sentiment":"neutral","sentiment_score":0.0685088031925261},{"text":"With TBD, unfortunately, it is considered a taxable payment.","start":2406.285,"end":2410.525,"sentiment":"neutral","sentiment_score":-0.24443581369188097},{"text":"So if you claim PPD and never able to get back to work again and you withdrew the full benefit amount, the $3.27 $3.00 2, unfortunately, the ATO and the super system does charge tax on that, and you pay tax that's up to 22%.","start":2410.525,"end":2427.34,"sentiment":"neutral","sentiment_score":-0.2086953255865309},{"text":"It could be less.","start":2427.34,"end":2428.395,"sentiment":"neutral","sentiment_score":-0.23586566373705864}],"sentiment":"neutral","sentiment_score":-0.09895777171201045,"num_words":101,"start":2391.91,"end":2428.395},{"sentences":[{"text":"There's a whole big fund math equation that helps them to work at how much tax is payable.","start":2428.715,"end":2434.0151,"sentiment":"neutral","sentiment_score":-0.1036752135389381},{"text":"But if you were to claim on that payment, also, if you were to claim TPD, we would provide financial advice on how to, hopefully, reduce the tax as much as possible, but also how to draw out the payments or however much you need so that you can live and survive.","start":2434.235,"end":2453.39,"sentiment":"neutral","sentiment_score":0.032609277995876394},{"text":"We'd also claim, you can claim incapacity against your super.","start":2453.53,"end":2457.4849,"sentiment":"neutral","sentiment_score":-0.03237638275604695},{"text":"So if you take your TBD out, you can also access your super money as well.","start":2457.4849,"end":2461.9048,"sentiment":"neutral","sentiment_score":0.03497942793183029},{"text":"So we would provide advice on how to limit the amount of tax, how to keep money invested, and to hopefully draw a bit of an income so that things last and also stay invested for you.","start":2462.6848,"end":2473.4202,"sentiment":"neutral","sentiment_score":0.10302783886121737}],"sentiment":"neutral","sentiment_score":0.02915387721277101,"num_words":133,"start":2428.715,"end":2473.4202},{"sentences":[{"text":"Sorry.","start":2473.4202,"end":2473.7402,"sentiment":"neutral","sentiment_score":-0.033553481101989746},{"text":"You're right.","start":2473.7402,"end":2474.4001,"sentiment":"neutral","sentiment_score":-0.021821781992912292},{"text":"It is.","start":2479.26,"end":2480.0,"sentiment":"neutral","sentiment_score":-0.009576620068401098},{"text":"Yeah.","start":2480.06,"end":2480.4602,"sentiment":"neutral","sentiment_score":-0.006558224558830261},{"text":"It is.","start":2480.4602,"end":2480.86,"sentiment":"neutral","sentiment_score":-0.0004028789699077606}],"sentiment":"neutral","sentiment_score":-0.012964283465407789,"num_words":8,"start":2473.4202,"end":2480.86},{"sentences":[{"text":"It's something that's not very well known.","start":2480.86,"end":2482.62,"sentiment":"neutral","sentiment_score":-0.1289515963622502},{"text":"I've come across quite a lot of people in the past who've gone, yeah.","start":2482.62,"end":2486.015,"sentiment":"neutral","sentiment_score":-0.11353932853255953},{"text":"I had TPD, and I claimed it, and they took so much tax, and I didn't know anything about the tax.","start":2486.015,"end":2491.375,"sentiment":"neutral","sentiment_score":-0.1804893318386305},{"text":"I was like, yes.","start":2491.375,"end":2492.1748,"sentiment":"neutral","sentiment_score":-0.1376904770731926},{"text":"Unfortunately, when we're under 60, they do charge tax.","start":2492.1748,"end":2496.115,"sentiment":"neutral","sentiment_score":-0.12692279699775907}],"sentiment":"neutral","sentiment_score":-0.14501008770682594,"num_words":55,"start":2480.86,"end":2496.115},{"sentences":[{"text":"If you held TPD when and you're older than 60, there's no tax on the the payout whatsoever.","start":2496.4949,"end":2503.83,"sentiment":"neutral","sentiment_score":-0.15069156512618065},{"text":"So it's more just if we access under the age of 60, there are tax consequences for it.","start":2504.2102,"end":2509.7302,"sentiment":"neutral","sentiment_score":-0.08410912483102745},{"text":"Yeah.","start":2509.7302,"end":2510.1301,"sentiment":"neutral","sentiment_score":-0.02685512788593769},{"text":"They see us all coming, unfortunately.","start":2510.1301,"end":2512.2302,"sentiment":"neutral","sentiment_score":-0.14081081748008728},{"text":"Yeah.","start":2516.315,"end":2516.815,"sentiment":"neutral","sentiment_score":0.09472870081663132}],"sentiment":"neutral","sentiment_score":-0.11371372161771763,"num_words":44,"start":2496.4949,"end":2516.815},{"sentences":[{"text":"That's okay.","start":2517.115,"end":2517.935,"sentiment":"neutral","sentiment_score":0.19770431518554688},{"text":"Yeah.","start":2518.795,"end":2519.295,"sentiment":"positive","sentiment_score":0.3368840217590332},{"text":"No.","start":2519.915,"end":2520.155,"sentiment":"neutral","sentiment_score":0.07802782207727432},{"text":"That's alright.","start":2520.155,"end":2520.795,"sentiment":"neutral","sentiment_score":0.10488637909293175},{"text":"If you ever have questions, let me know.","start":2520.795,"end":2522.7148,"sentiment":"neutral","sentiment_score":0.09297654218971729}],"sentiment":"neutral","sentiment_score":0.12599325499364308,"num_words":14,"start":2517.115,"end":2522.7148},{"sentences":[{"text":"Please email me back if there's anything else.","start":2522.7148,"end":2524.795,"sentiment":"neutral","sentiment_score":0.086213200353086},{"text":"I'll, dump on it nice and quickly for you.","start":2524.795,"end":2528.175,"sentiment":"neutral","sentiment_score":0.331723196638955},{"text":"Okay?","start":2528.2349,"end":2528.7349,"sentiment":"neutral","sentiment_score":0.12181780487298964},{"text":"Oh, good.","start":2531.57,"end":2532.31,"sentiment":"positive","sentiment_score":0.3724420666694641},{"text":"Yeah.","start":2533.09,"end":2533.59,"sentiment":"neutral","sentiment_score":0.0972539409995079}],"sentiment":"neutral","sentiment_score":0.22091286913270042,"num_words":21,"start":2522.7148,"end":2533.59},{"sentences":[{"text":"Yep.","start":2536.21,"end":2536.71,"sentiment":"neutral","sentiment_score":0.10501589626073836},{"text":"Yeah.","start":2537.6501,"end":2538.05,"sentiment":"neutral","sentiment_score":0.13305827975273132},{"text":"I'll send you an email now with that time and date there so you've got that in your email.","start":2538.05,"end":2542.1501,"sentiment":"neutral","sentiment_score":0.11143484319511213},{"text":"Okay.","start":2542.29,"end":2542.79,"sentiment":"neutral","sentiment_score":0.10180242359638214},{"text":"Yep.","start":2546.3552,"end":2546.8552,"sentiment":"neutral","sentiment_score":0.0986691266298294}],"sentiment":"neutral","sentiment_score":0.1111220759542092,"num_words":23,"start":2536.21,"end":2546.8552},{"sentences":[{"text":"Absolutely.","start":2547.0752,"end":2547.5752,"sentiment":"neutral","sentiment_score":0.314419150352478},{"text":"I'll send a text message reminder.","start":2547.955,"end":2549.715,"sentiment":"neutral","sentiment_score":0.2077163184682528},{"text":"I can set it up so it sends you a message about two hours prior.","start":2549.715,"end":2552.995,"sentiment":"neutral","sentiment_score":0.14256963680187862},{"text":"Would that be okay?","start":2552.995,"end":2554.0552,"sentiment":"neutral","sentiment_score":0.14259698055684566},{"text":"Yep.","start":2555.49,"end":2555.73,"sentiment":"neutral","sentiment_score":0.07787372916936874}],"sentiment":"neutral","sentiment_score":0.16101938016988612,"num_words":27,"start":2547.0752,"end":2555.73},{"sentences":[{"text":"Send a text message two hours prior just to remind you I'll be giving you a call.","start":2555.73,"end":2559.75,"sentiment":"neutral","sentiment_score":0.034681746845736224},{"text":"Okay.","start":2559.89,"end":2560.39,"sentiment":"neutral","sentiment_score":0.03913408890366554},{"text":"Yeah.","start":2563.97,"end":2564.13,"sentiment":"neutral","sentiment_score":0.10532668232917786},{"text":"You're on the same time zone as us now.","start":2564.13,"end":2566.29,"sentiment":"neutral","sentiment_score":0.14135314110252592},{"text":"So, yeah, we're all good.","start":2566.29,"end":2567.99,"sentiment":"neutral","sentiment_score":0.3211583137512207}],"sentiment":"neutral","sentiment_score":0.1094551607966423,"num_words":33,"start":2555.73,"end":2567.99},{"sentences":[{"text":"Yeah.","start":2569.905,"end":2570.405,"sentiment":"neutral","sentiment_score":0.021740509197115895},{"text":"I know.","start":2571.825,"end":2572.385,"sentiment":"neutral","sentiment_score":-0.004902711138129234},{"text":"Not yet.","start":2572.385,"end":2573.205,"sentiment":"neutral","sentiment_score":-0.10697434097528458},{"text":"I know.","start":2576.945,"end":2577.7651,"sentiment":"neutral","sentiment_score":0.027008231729269028},{"text":"Anytime.","start":2583.0898,"end":2583.5898,"sentiment":"positive","sentiment_score":0.4058496654033661}],"sentiment":"neutral","sentiment_score":0.03223156672902405,"num_words":8,"start":2569.905,"end":2583.5898},{"sentences":[{"text":"Not a problem at all.","start":2584.13,"end":2585.17,"sentiment":"positive","sentiment_score":0.4131380558013916},{"text":"If there's anything else, let me know.","start":2585.17,"end":2586.45,"sentiment":"neutral","sentiment_score":0.24391958117485046},{"text":"In the meantime, I'll get stuck into this little bit of research, and I'll get the advice ready to go for you.","start":2586.45,"end":2591.19,"sentiment":"positive","sentiment_score":0.35878719050775876},{"text":"Yes.","start":2597.985,"end":2598.225,"sentiment":"neutral","sentiment_score":0.1276978850364685},{"text":"Yes.","start":2598.225,"end":2598.5452,"sentiment":"neutral","sentiment_score":0.1589539647102356}],"sentiment":"neutral","sentiment_score":0.33203048300411964,"num_words":36,"start":2584.13,"end":2598.5452},{"sentences":[{"text":"Absolutely.","start":2598.5452,"end":2599.0452,"sentiment":"neutral","sentiment_score":0.3134711682796478},{"text":"Yep.","start":2599.345,"end":2599.825,"sentiment":"neutral","sentiment_score":0.2501893937587738},{"text":"Perfect.","start":2599.825,"end":2600.325,"sentiment":"positive","sentiment_score":0.5900169610977173},{"text":"Will do.","start":2605.639,"end":2606.119,"sentiment":"positive","sentiment_score":0.6077267527580261},{"text":"Thank you so much, Natalie.","start":2606.119,"end":2607.5588,"sentiment":"positive","sentiment_score":0.7913610935211182}],"sentiment":"positive","sentiment_score":0.6325936496257782,"num_words":10,"start":2598.5452,"end":2607.5588},{"sentences":[{"text":"Enjoy your day.","start":2607.5588,"end":2608.699,"sentiment":"positive","sentiment_score":0.7741357882817587},{"text":"See you later.","start":2608.7588,"end":2609.5789,"sentiment":"positive","sentiment_score":0.4986614187558492},{"text":"Bye.","start":2610.119,"end":2610.619,"sentiment":"neutral","sentiment_score":0.3060230612754822}],"sentiment":"positive","sentiment_score":0.5892020974840436,"num_words":7,"start":2607.5588,"end":2610.619}]}}]},{"alternatives":[{"transcript":"Hey, Dana. It's Natalie. How are you? I'm good. Thank you. I just thought I'd, touch base with you. I know you sent me an email, and I took about a week and a half to get back to you. I think something like that. So I sent an email regarding our last conversation. That'll yeah. So I don't know. Did you get my email? Oh, no. No. Yeah. No. I'm I'm just, like, looking now. I've got your email, I don't know, saying thirteen days ago. No. That was me responding. You sent me an email. No. Thirteen yeah. I responded really late. March the March 5. And you were gonna send quote, But then I yeah. I haven't seen anything. When did yeah. When did you send it? Oh, I can't k pop. Oh my god. Yeah. Yeah. Yeah. That sounds good. Well, good. I understand. I'm working from home too. It does my head in. Oh. Oh, no. Yeah. Yeah. Because I've got I've got the life insurance. Yeah. So it's really just the income protection that I need to get. Yeah. Just to be safe, you know, with I don't know if it's gone to my junk. What is it going to? Did you resend it now? Oh, okay. No. Nothing's come through. I'm just gonna go back to the did you did you just send it or not? June 0 June 3, did you send it? I'm so confused. Including super? Around 70? Yes. Not the best paying job, which I'm trying to find something else. Yeah. It's just yeah. Not enough money. Gosh. Yeah. Yeah. Yes. Yes. Yes. Yes. Yes. And like I said, Dana, you know, I I I don't want, you know, like, I don't know, like, the fees and that to eat my super. Do you know what I mean? Yeah. So so confusing to me. So it'll be it'll be through Neos? Yes. Yeah. Yeah. Yeah. Yes. Yeah. Oh, god. I don't know. Yes. Yes. Yeah. Yeah. Yep. I am a snoek ha. I'm a hardship officer. So credit. No. No. No. Yes. Yes. Yes. Yes. Yes. Okay. Mhmm. Okay. What's your what's your thoughts? No. Yeah. That's alright. And I'm on my own. I've I've got no got no other income. Yeah. What do you mean? Both by the age of 60? Yeah. And do I do do I do these reviews with you for the income protection and life insurance, all that? It's all from you? Yeah. Okay. Yes. Yes, please. So which one should I go for? The two year or the five year? Two year? I'm just thinking about I'm a smoke and things like that, you know. Just, you know, I don't I don't wanna get sick, but I really wanna stop. Yeah. Yep. Yep. Yes. No. No. No. No. Probably 100%. Yeah. Yep. No. No. No. Yes. I do. Yeah. On support carer support, like, for through for NDIS. I just do that once a week on a Saturday just for extra cash. So, yeah, just going in and, you know, assisting clients, you know, with home duties and their shopping and, you know, cleaning up and stuff like that for them. And, yeah, it's just the same clients, the same two clients that I do in that one day. Yeah. What would I how could I say it? Where is my yeah. Every Saturday. Just, you know, next. So at the moment, it is six hours. Yeah. Yeah. Yeah. I do, actually, in July. Going to Singapore. Yeah. Just family family holiday with my sister and the kids and mom and dad. Yeah. So just a break. Oh, a couple of weeks. Two weeks. Yep. Need a break. July 17 So the fifth of August. Oh, no. Just the gym. Probably try to get there four days a week. Yeah. Just our health, our work and stuff. Yeah. Yeah. Oh, probably eight to 10. Yeah. Yes. Yes. I was a lot of that with my work and that, you know, you hear a lot of stories, people, DB, and crazy, you know, listening to people's lives. And, yeah, sometimes it just gets overwhelming sometimes. But yeah. But I just think to myself, you know, like, I'm not in anything like that, but there's people out there in a worse position, you know, when you feel down with yourself and you just think, you know, pick yourself up, you know, there's other people out there that are going through so much more, like but yeah. Yeah. Yeah. Yes. Yeah. Yep. No. What is notification. Yeah. Panadol. People yeah. No. No. It's just yeah. That's just random. What do you mean in a month? Oh. I don't know. Probably two, three drinks for a month. I'm quite short. No. I don't know my height at all. I don't know. Five five five. I don't know. I don't know. Probably around between seventy, seventy five. Let me say, I haven't weighed myself in ages. No. I wish. Yes. Mhmm. Mhmm. No. No. No. Nope. Nope. Nope. Nope. Yep. No. No. No. Nope. Nope. Nope. No. Nope. No. I haven't had one yet. Mhmm. No. No. No. No. No. And this is before the August, did you say? Six six. Okay. No. No. Nope. Nope. What does that mean? Oh, no. My dad has diabetes, but he's he's just recently been diagnosed. He's, like, 78. And he's just on medication. He's just on tablets. He's not on insulin or anything like that. Yeah. Yeah. You know, they just got back on a from a cruise, but yeah. You know, 80 two and now they're walking, both of them. Yes. But dad did have a cancer, lung cancer. Oh, it was probably three years ago, and he's had a yeah. Yeah. Yeah. Really nothing. Yeah. He's doing his regular checkups and and never smoked. Both my parents don't smoke. Both my my brother my older brother and me were smokers, and both of them never smoked in their lives. And he ended up with this carcinoid tumor. So, yeah, he had to have it removed, and he's never had an operation in his life. So, yeah, really knocked him for about twelve twelve months. And he's blocking a bit of a depression and but, yeah, he's come good now. Like, he's back to himself and but, yeah, pretty scary. So your dad, you know, your mom going through all that. So yeah. No. It's all good now, though. I just think mom had some arthritis. I don't know if it was before 60. She's 71. Arthritis and osteo. She goes for, you know, the bone density tests and all that stuff. She's got pretty bad osteoporosis. That's the only thing I know. Yeah. Yeah. That's great, Jane. Yeah. That's good. So you'll send all these through? Whatever day. Just yeah. Whatever suits you. I'll just yeah. I'll just make some time. What's the latest you can you can call me? Or so let's go the Wednesday. That's my off day from gym and all of that. Can we go around five, five thirty? Is that yeah. Let's go 05:30 just so I can get up and then do a couple of things and get get in my car. Mhmm. Yeah. Oh, no. Crazy. Yes. Alright. Yep. Yep. Okay. Cool. Yeah. So that that other stuff I was talking about, paying the money into my super and that, I think I'm just gonna put it on my house loan just with the rates and stuff going up at the moment, and I think I better just put it on there. Oh, no. Yeah. I know. They're just talking about it again. And just the real stuff, you sent that stuff through to, I think. I I I got that stuff that day now that you sent me. So that's just the guide, is it, or who you you have recommended? Yeah. Yeah. Yeah. I might yeah. I'm gonna yeah. Because my brother's got a couple of my both of my brothers have just done theirs. I just wanted to look into theirs as well, but I'm gonna have a read through of that stuff while it you've sent. I've gotta get that done too. So yeah. Well, I just wanted to, yeah, let you know, like, yep. Thank you. I appreciate the information. Okay. No. Unless I'm not looking right or I don't know. Yeah. Alright. Perfect. And that's it and that's it. Oh, and, like, we've got with I'm just you know, I don't understand all this stuff properly, but I just want or I've got life insurance, ink action, my supers all working out. They're the three main things, isn't it? Yeah. No. I'll just yeah. What's the TPD? What did you say? What is that? What is I yes. And in my life insurance, is it? Yeah. Okay. Yeah. Yeah. Okay. Cool. Cool. Yeah. No. Let's leave it at that. Like, you're the expert here. I just wanna make sure, you know, all that's right and of the right covers and what I should be having just in case anything happens and, you know, all that stuff. Yeah. Mhmm. Yep. No. That's that's okay. Yeah. So that that sorry. That 280, the 380 what did you say? 384. 3 20 yeah. So if something happens to me in a disability, I would be paid out that? Or Yeah. Yeah. Yes. Yes. And that's with all that's with all providers. That that that's just the thing that happens, is it? They yeah. Yeah. Early. Yeah. Yeah. Yeah. Yeah. Yeah. Alright. Yeah. Cool. That's good. Thank you. Yeah. Alright. Yeah. No problem, Dana. Alright. Cool. So July 1, 05:30. That's it. Alright. Yep. And will I get a reminder a day before or yeah. Yeah. That'll be great. Yep. And that's 05:30 Melbourne time. Yeah? Okay. Yep. Yep. Yep. Yeah. No daylight savings. Okay. Yep. Finished it. Alright. Beautiful. Thank you, Jane. I do appreciate you taking my call just so fast. Beautiful. And you're looking to my super, the other investments. We'll talk about all that on the first. Okay. Alright. Awesome. Thank you very much. You have a fantastic day, and we'll speak then. Thank you. Cheers. 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Dana. It's Natalie. How are you? I'm good. Thank you.\n\nI just thought I'd, touch base with you. I know you sent me an email, and I took about a week and a half to get back to you. I think something like that. So I sent an email regarding our last conversation. That'll yeah.\n\nSo I don't know. Did you get my email? Oh, no. No. Yeah.\n\nNo. I'm I'm just, like, looking now. I've got your email, I don't know, saying thirteen days ago. No. That was me responding.\n\nYou sent me an email. No. Thirteen yeah. I responded really late. March the March 5.\n\nAnd you were gonna send quote, But then I yeah. I haven't seen anything. When did yeah. When did you send it? Oh, I can't k pop.\n\nOh my god. Yeah. Yeah. Yeah. That sounds good.\n\nWell, good. I understand. I'm working from home too. It does my head in. Oh.\n\nOh, no. Yeah. Yeah. Because I've got I've got the life insurance. Yeah.\n\nSo it's really just the income protection that I need to get. Yeah. Just to be safe, you know, with I don't know if it's gone to my junk. What is it going to? Did you resend it now?\n\nOh, okay. No. Nothing's come through. I'm just gonna go back to the did you did you just send it or not? June 0 June 3, did you send it?\n\nI'm so confused. Including super? Around 70? Yes. Not the best paying job, which I'm trying to find something else.\n\nYeah. It's just yeah. Not enough money. Gosh. Yeah.\n\nYeah. Yes. Yes. Yes. Yes.\n\nYes. And like I said, Dana, you know, I I I don't want, you know, like, I don't know, like, the fees and that to eat my super. Do you know what I mean? Yeah. So so confusing to me.\n\nSo it'll be it'll be through Neos? Yes. Yeah. Yeah. Yeah.\n\nYes. Yeah. Oh, god. I don't know. Yes.\n\nYes. Yeah. Yeah. Yep. I am a snoek ha.\n\nI'm a hardship officer. So credit. No. No. No.\n\nYes. Yes. Yes. Yes. Yes.\n\nOkay. Mhmm. Okay. What's your what's your thoughts? No.\n\nYeah. That's alright. And I'm on my own. I've I've got no got no other income. Yeah.\n\nWhat do you mean? Both by the age of 60? Yeah. And do I do do I do these reviews with you for the income protection and life insurance, all that? It's all from you?\n\nYeah. Okay. Yes. Yes, please. So which one should I go for?\n\nThe two year or the five year? Two year? I'm just thinking about I'm a smoke and things like that, you know. Just, you know, I don't I don't wanna get sick, but I really wanna stop. Yeah.\n\nYep. Yep. Yes. No. No.\n\nNo. No. Probably 100%. Yeah. Yep.\n\nNo. No. No. Yes. I do.\n\nYeah. On support carer support, like, for through for NDIS. I just do that once a week on a Saturday just for extra cash. So, yeah, just going in and, you know, assisting clients, you know, with home duties and their shopping and, you know, cleaning up and stuff like that for them. And, yeah, it's just the same clients, the same two clients that I do in that one day.\n\nYeah. What would I how could I say it? Where is my yeah. Every Saturday. Just, you know, next.\n\nSo at the moment, it is six hours. Yeah. Yeah. Yeah. I do, actually, in July.\n\nGoing to Singapore. Yeah. Just family family holiday with my sister and the kids and mom and dad. Yeah. So just a break.\n\nOh, a couple of weeks. Two weeks. Yep. Need a break. July 17 So the fifth of August.\n\nOh, no. Just the gym. Probably try to get there four days a week. Yeah. Just our health, our work and stuff.\n\nYeah. Yeah. Oh, probably eight to 10. Yeah. Yes.\n\nYes. I was a lot of that with my work and that, you know, you hear a lot of stories, people, DB, and crazy, you know, listening to people's lives. And, yeah, sometimes it just gets overwhelming sometimes. But yeah. But I just think to myself, you know, like, I'm not in anything like that, but there's people out there in a worse position, you know, when you feel down with yourself and you just think, you know, pick yourself up, you know, there's other people out there that are going through so much more, like but yeah.\n\nYeah. Yeah. Yes. Yeah. Yep.\n\nNo. What is notification. Yeah. Panadol. People yeah.\n\nNo. No. It's just yeah. That's just random. What do you mean in a month?\n\nOh. I don't know. Probably two, three drinks for a month. I'm quite short. No.\n\nI don't know my height at all. I don't know. Five five five. I don't know. I don't know.\n\nProbably around between seventy, seventy five. Let me say, I haven't weighed myself in ages. No. I wish. Yes.\n\nMhmm. Mhmm. No. No. No.\n\nNope. Nope. Nope. Nope. Yep.\n\nNo. No. No. Nope. Nope.\n\nNope. No. Nope. No. I haven't had one yet.\n\nMhmm. No. No. No. No.\n\nNo. And this is before the August, did you say? Six six. Okay. No.\n\nNo. Nope. Nope. What does that mean? Oh, no.\n\nMy dad has diabetes, but he's he's just recently been diagnosed. He's, like, 78. And he's just on medication. He's just on tablets. He's not on insulin or anything like that.\n\nYeah. Yeah. You know, they just got back on a from a cruise, but yeah. You know, 80 two and now they're walking, both of them. Yes.\n\nBut dad did have a cancer, lung cancer. Oh, it was probably three years ago, and he's had a yeah. Yeah. Yeah. Really nothing.\n\nYeah. He's doing his regular checkups and and never smoked. Both my parents don't smoke. Both my my brother my older brother and me were smokers, and both of them never smoked in their lives. And he ended up with this carcinoid tumor.\n\nSo, yeah, he had to have it removed, and he's never had an operation in his life. So, yeah, really knocked him for about twelve twelve months. And he's blocking a bit of a depression and but, yeah, he's come good now. Like, he's back to himself and but, yeah, pretty scary. So your dad, you know, your mom going through all that.\n\nSo yeah. No. It's all good now, though. I just think mom had some arthritis. I don't know if it was before 60.\n\nShe's 71. Arthritis and osteo. She goes for, you know, the bone density tests and all that stuff. She's got pretty bad osteoporosis. That's the only thing I know.\n\nYeah. Yeah. That's great, Jane. Yeah. That's good.\n\nSo you'll send all these through? Whatever day. Just yeah. Whatever suits you. I'll just yeah.\n\nI'll just make some time. What's the latest you can you can call me? Or so let's go the Wednesday. That's my off day from gym and all of that. Can we go around five, five thirty?\n\nIs that yeah. Let's go 05:30 just so I can get up and then do a couple of things and get get in my car. Mhmm. Yeah. Oh, no.\n\nCrazy. Yes. Alright. Yep. Yep.\n\nOkay. Cool. Yeah. So that that other stuff I was talking about, paying the money into my super and that, I think I'm just gonna put it on my house loan just with the rates and stuff going up at the moment, and I think I better just put it on there. Oh, no.\n\nYeah. I know. They're just talking about it again. And just the real stuff, you sent that stuff through to, I think. I I I got that stuff that day now that you sent me.\n\nSo that's just the guide, is it, or who you you have recommended? Yeah. Yeah. Yeah. I might yeah.\n\nI'm gonna yeah. Because my brother's got a couple of my both of my brothers have just done theirs. I just wanted to look into theirs as well, but I'm gonna have a read through of that stuff while it you've sent. I've gotta get that done too. So yeah.\n\nWell, I just wanted to, yeah, let you know, like, yep. Thank you. I appreciate the information. Okay. No.\n\nUnless I'm not looking right or I don't know. Yeah. Alright. Perfect. And that's it and that's it.\n\nOh, and, like, we've got with I'm just you know, I don't understand all this stuff properly, but I just want or I've got life insurance, ink action, my supers all working out. They're the three main things, isn't it? Yeah. No. I'll just yeah.\n\nWhat's the TPD? What did you say? What is that? What is I yes. And in my life insurance, is it?\n\nYeah. Okay. Yeah. Yeah. Okay.\n\nCool. Cool. Yeah. No. Let's leave it at that.\n\nLike, you're the expert here. I just wanna make sure, you know, all that's right and of the right covers and what I should be having just in case anything happens and, you know, all that stuff. Yeah. Mhmm. Yep.\n\nNo. That's that's okay. Yeah. So that that sorry. That 280, the 380 what did you say?\n\n384. 3 20 yeah. So if something happens to me in a disability, I would be paid out that? Or Yeah. Yeah.\n\nYes. Yes. And that's with all that's with all providers. That that that's just the thing that happens, is it? They yeah.\n\nYeah. Early. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Alright. Yeah. Cool.\n\nThat's good. Thank you. Yeah. Alright. Yeah.\n\nNo problem, Dana. Alright. Cool. So July 1, 05:30. That's it.\n\nAlright. Yep. And will I get a reminder a day before or yeah. Yeah. That'll be great.\n\nYep. And that's 05:30 Melbourne time. Yeah? Okay. Yep.\n\nYep. Yep. Yeah. No daylight savings. Okay.\n\nYep. Finished it. Alright. Beautiful. Thank you, Jane.\n\nI do appreciate you taking my call just so fast. Beautiful. And you're looking to my super, the other investments. We'll talk about all that on the first. Okay.\n\nAlright. Awesome. Thank you very much. You have a fantastic day, and we'll speak then. Thank you.\n\nCheers. Bye bye.","paragraphs":[{"sentences":[{"text":"Hey, Dana.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.28416554629802704},{"text":"It's Natalie.","start":4.24,"end":5.14,"sentiment":"neutral","sentiment_score":0.271417997777462},{"text":"How are you?","start":5.2,"end":6.1,"sentiment":"neutral","sentiment_score":0.3103945751984914},{"text":"I'm good.","start":8.48,"end":9.04,"sentiment":"positive","sentiment_score":0.5878253281116486},{"text":"Thank you.","start":9.04,"end":9.78,"sentiment":"positive","sentiment_score":0.6604080200195312}],"sentiment":"positive","sentiment_score":0.41261977363716473,"num_words":11,"start":3.6,"end":9.78},{"sentences":[{"text":"I just thought I'd, touch base with you.","start":9.92,"end":12.799999,"sentiment":"neutral","sentiment_score":0.20297664403915405},{"text":"I know you sent me an email, and I took about a week and a half to get back to you.","start":12.799999,"end":17.645,"sentiment":"neutral","sentiment_score":0.014410729919161116},{"text":"I think something like that.","start":17.645,"end":18.925,"sentiment":"neutral","sentiment_score":-0.016410521417856216},{"text":"So I sent an email regarding our last conversation.","start":18.925,"end":23.825,"sentiment":"neutral","sentiment_score":0.0031600859430101183},{"text":"That'll yeah.","start":25.244999,"end":26.465,"sentiment":"neutral","sentiment_score":0.005035749636590481}],"sentiment":"neutral","sentiment_score":0.04184218102859126,"num_words":45,"start":9.92,"end":26.465},{"sentences":[{"text":"So I don't know.","start":27.619999,"end":28.34,"sentiment":"neutral","sentiment_score":-0.03583697695285082},{"text":"Did you get my email?","start":28.34,"end":29.56,"sentiment":"neutral","sentiment_score":-0.021609418839216233},{"text":"Oh, no.","start":32.98,"end":36.36,"sentiment":"neutral","sentiment_score":-0.06550063379108906},{"text":"No.","start":37.86,"end":38.36,"sentiment":"neutral","sentiment_score":-0.13188275694847107},{"text":"Yeah.","start":45.735,"end":46.135002,"sentiment":"neutral","sentiment_score":-0.033582206815481186}],"sentiment":"neutral","sentiment_score":-0.04214317179643191,"num_words":13,"start":27.619999,"end":46.135002},{"sentences":[{"text":"No.","start":46.135002,"end":46.455,"sentiment":"neutral","sentiment_score":-0.10802067071199416},{"text":"I'm I'm just, like, looking now.","start":46.455,"end":48.775,"sentiment":"neutral","sentiment_score":-0.0893818624317646},{"text":"I've got your email, I don't know, saying thirteen days ago.","start":48.775,"end":52.875,"sentiment":"neutral","sentiment_score":-0.08106941120191054},{"text":"No.","start":54.260002,"end":54.420002,"sentiment":"neutral","sentiment_score":-0.10633865743875504},{"text":"That was me responding.","start":54.420002,"end":55.64,"sentiment":"neutral","sentiment_score":-0.08765789493918419}],"sentiment":"neutral","sentiment_score":-0.0866541567703952,"num_words":23,"start":46.135002,"end":55.64},{"sentences":[{"text":"You sent me an email.","start":55.86,"end":57.16,"sentiment":"neutral","sentiment_score":-0.06496619656682015},{"text":"No.","start":57.300003,"end":57.800003,"sentiment":"neutral","sentiment_score":-0.11284253001213074},{"text":"Thirteen yeah.","start":58.18,"end":58.9,"sentiment":"neutral","sentiment_score":-0.08786332607269287},{"text":"I responded really late.","start":58.9,"end":60.52,"sentiment":"neutral","sentiment_score":-0.08793981000781059},{"text":"March the March 5.","start":61.06,"end":63.0,"sentiment":"neutral","sentiment_score":-0.012081671971827745}],"sentiment":"neutral","sentiment_score":-0.06334288080688566,"num_words":16,"start":55.86,"end":63.0},{"sentences":[{"text":"And you were gonna send quote, But then I yeah.","start":63.7,"end":68.685,"sentiment":"neutral","sentiment_score":-0.018845554627478122},{"text":"I haven't seen anything.","start":68.685,"end":69.985,"sentiment":"neutral","sentiment_score":-0.098734050989151},{"text":"When did yeah.","start":74.685,"end":75.965,"sentiment":"neutral","sentiment_score":-0.004699978977441788},{"text":"When did you send it?","start":75.965,"end":77.424995,"sentiment":"neutral","sentiment_score":-0.0007646800950169563},{"text":"Oh, I can't k pop.","start":91.79,"end":93.09,"sentiment":"neutral","sentiment_score":-0.12748574316501618}],"sentiment":"neutral","sentiment_score":-0.04587940012829171,"num_words":27,"start":63.7,"end":93.09},{"sentences":[{"text":"Oh my god.","start":93.15,"end":94.13,"sentiment":"neutral","sentiment_score":-0.03980694587032},{"text":"Yeah.","start":102.615005,"end":103.115005,"sentiment":"neutral","sentiment_score":0.14863818883895874},{"text":"Yeah.","start":106.375,"end":106.875,"sentiment":"neutral","sentiment_score":0.0753205418586731},{"text":"Yeah.","start":107.495,"end":107.895004,"sentiment":"neutral","sentiment_score":0.13401047885417938},{"text":"That sounds good.","start":107.895004,"end":109.115005,"sentiment":"positive","sentiment_score":0.5480033258597056}],"sentiment":"neutral","sentiment_score":0.2091731499466631,"num_words":9,"start":93.15,"end":109.115005},{"sentences":[{"text":"Well, good.","start":115.270004,"end":115.83,"sentiment":"neutral","sentiment_score":0.13897855579853058},{"text":"I understand.","start":115.83,"end":116.49,"sentiment":"neutral","sentiment_score":0.05189797841012478},{"text":"I'm working from home too.","start":116.55,"end":117.83,"sentiment":"neutral","sentiment_score":0.005667247995734215},{"text":"It does my head in.","start":117.83,"end":118.97,"sentiment":"neutral","sentiment_score":-0.017176802083849908},{"text":"Oh.","start":124.87,"end":125.37,"sentiment":"neutral","sentiment_score":0.0538710355758667}],"sentiment":"neutral","sentiment_score":0.025205088903506596,"num_words":15,"start":115.270004,"end":125.37},{"sentences":[{"text":"Oh, no.","start":128.965,"end":129.685,"sentiment":"neutral","sentiment_score":-0.04127078130841255},{"text":"Yeah.","start":129.685,"end":130.185,"sentiment":"neutral","sentiment_score":-0.005085103213787079},{"text":"Yeah.","start":140.565,"end":140.885,"sentiment":"neutral","sentiment_score":0.017917588353157043},{"text":"Because I've got I've got the life insurance.","start":140.885,"end":143.28,"sentiment":"neutral","sentiment_score":0.020464889355935156},{"text":"Yeah.","start":143.58,"end":144.08,"sentiment":"neutral","sentiment_score":0.039952561259269714}],"sentiment":"neutral","sentiment_score":0.010304815279176602,"num_words":13,"start":128.965,"end":144.08},{"sentences":[{"text":"So it's really just the income protection that I need to get.","start":145.74,"end":149.82,"sentiment":"neutral","sentiment_score":0.1306579653173685},{"text":"Yeah.","start":149.82,"end":150.14,"sentiment":"neutral","sentiment_score":0.06761624664068222},{"text":"Just to be safe, you know, with I don't know if it's gone to my junk.","start":150.14,"end":180.22,"sentiment":"neutral","sentiment_score":-0.05104746425058693},{"text":"What is it going to?","start":180.22,"end":181.52,"sentiment":"neutral","sentiment_score":-0.06765768229961396},{"text":"Did you resend it now?","start":206.79001,"end":208.49,"sentiment":"neutral","sentiment_score":-0.011392346769571304}],"sentiment":"neutral","sentiment_score":0.01085903223317403,"num_words":39,"start":145.74,"end":208.49},{"sentences":[{"text":"Oh, okay.","start":210.87,"end":212.41,"sentiment":"neutral","sentiment_score":-0.04649259150028229},{"text":"No.","start":216.39499,"end":216.89499,"sentiment":"neutral","sentiment_score":-0.12600335478782654},{"text":"Nothing's come through.","start":216.955,"end":218.075,"sentiment":"neutral","sentiment_score":-0.12748401363690695},{"text":"I'm just gonna go back to the did you did you just send it or not?","start":218.075,"end":224.25499,"sentiment":"neutral","sentiment_score":-0.031377595267258584},{"text":"June 0 June 3, did you send it?","start":229.05,"end":231.95001,"sentiment":"neutral","sentiment_score":-0.04849015735089779}],"sentiment":"neutral","sentiment_score":-0.04971344539274772,"num_words":30,"start":210.87,"end":231.95001},{"sentences":[{"text":"I'm so confused.","start":237.495,"end":244.875,"sentiment":"neutral","sentiment_score":-0.0737265112499396},{"text":"Including super?","start":263.93,"end":265.38998,"sentiment":"neutral","sentiment_score":0.01757554756477475},{"text":"Around 70?","start":268.445,"end":269.345,"sentiment":"neutral","sentiment_score":0.015768256969749928},{"text":"Yes.","start":278.285,"end":278.785,"sentiment":"neutral","sentiment_score":0.0384846031665802},{"text":"Not the best paying job, which I'm trying to find something 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money.","start":287.49002,"end":288.63,"sentiment":"negative","sentiment_score":-0.41688154141108197},{"text":"Gosh.","start":288.69,"end":289.19,"sentiment":"neutral","sentiment_score":-0.2604787051677704},{"text":"Yeah.","start":293.33002,"end":293.83002,"sentiment":"neutral","sentiment_score":-0.23571759462356567}],"sentiment":"neutral","sentiment_score":-0.23332893227537474,"num_words":9,"start":286.13,"end":293.83002},{"sentences":[{"text":"Yeah.","start":299.445,"end":299.945,"sentiment":"neutral","sentiment_score":-0.110195130109787},{"text":"Yes.","start":322.8,"end":323.3,"sentiment":"neutral","sentiment_score":-0.06274156272411346},{"text":"Yes.","start":366.92,"end":367.42,"sentiment":"neutral","sentiment_score":0.013809599913656712},{"text":"Yes.","start":373.08,"end":373.33,"sentiment":"neutral","sentiment_score":0.024613022804260257},{"text":"Yes.","start":373.33,"end":373.83,"sentiment":"neutral","sentiment_score":0.061699338257312775}],"sentiment":"neutral","sentiment_score":-0.014562946371734142,"num_words":5,"start":299.445,"end":373.83},{"sentences":[{"text":"Yes.","start":388.235,"end":388.735,"sentiment":"positive","sentiment_score":0.37639087438583374},{"text":"And like I said, Dana, you know, I I I don't want, you know, like, I don't know, like, the fees and that to eat my super.","start":399.9,"end":409.465,"sentiment":"neutral","sentiment_score":-0.07650494458222831},{"text":"Do you know what I mean?","start":409.525,"end":410.745,"sentiment":"neutral","sentiment_score":-0.027812303354342777},{"text":"Yeah.","start":414.47998,"end":414.97998,"sentiment":"neutral","sentiment_score":-0.0608874037861824},{"text":"So so confusing to me.","start":415.44,"end":417.62,"sentiment":"neutral","sentiment_score":-0.1999804973602295}],"sentiment":"neutral","sentiment_score":-0.07292265850119292,"num_words":40,"start":388.235,"end":417.62},{"sentences":[{"text":"So it'll be it'll be through Neos?","start":426.96,"end":429.38,"sentiment":"neutral","sentiment_score":-0.004596399675522532},{"text":"Yes.","start":431.225,"end":431.725,"sentiment":"neutral","sentiment_score":0.042513683438301086},{"text":"Yeah.","start":436.345,"end":436.845,"sentiment":"neutral","sentiment_score":0.0640614703297615},{"text":"Yeah.","start":464.69498,"end":465.19498,"sentiment":"neutral","sentiment_score":0.06255915760993958},{"text":"Yeah.","start":465.41498,"end":465.91498,"sentiment":"neutral","sentiment_score":0.08664066344499588}],"sentiment":"neutral","sentiment_score":0.020327288826758213,"num_words":11,"start":426.96,"end":465.91498},{"sentences":[{"text":"Yes.","start":467.97498,"end":468.47498,"sentiment":"neutral","sentiment_score":0.11060698330402374},{"text":"Yeah.","start":472.87,"end":473.37,"sentiment":"neutral","sentiment_score":-0.042093828320503235},{"text":"Oh, god.","start":477.03,"end":477.58002,"sentiment":"neutral","sentiment_score":0.01621108502149582},{"text":"I don't 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your what's your thoughts?","start":674.32,"end":675.885,"sentiment":"neutral","sentiment_score":0.04383688867092132},{"text":"No.","start":695.69995,"end":696.19995,"sentiment":"neutral","sentiment_score":0.21666890382766724}],"sentiment":"neutral","sentiment_score":0.0695170604934295,"num_words":9,"start":623.16504,"end":696.19995},{"sentences":[{"text":"Yeah.","start":700.81995,"end":701.31995,"sentiment":"neutral","sentiment_score":0.08017252385616302},{"text":"That's alright.","start":705.435,"end":706.15497,"sentiment":"neutral","sentiment_score":0.10508432984352112},{"text":"And I'm on my own.","start":706.15497,"end":707.375,"sentiment":"neutral","sentiment_score":0.015761166438460348},{"text":"I've I've got no got no other 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Dana.","start":2529.77,"end":2530.8901,"sentiment":"neutral","sentiment_score":0.23438242574532828},{"text":"Alright.","start":2530.8901,"end":2531.3901,"sentiment":"neutral","sentiment_score":0.1980186551809311},{"text":"Cool.","start":2532.17,"end":2532.67,"sentiment":"neutral","sentiment_score":0.2770710289478302},{"text":"So July 1, 05:30.","start":2533.45,"end":2535.71,"sentiment":"neutral","sentiment_score":0.04737288784235716},{"text":"That's it.","start":2537.115,"end":2539.615,"sentiment":"neutral","sentiment_score":0.1175101287662983}],"sentiment":"neutral","sentiment_score":0.14570443366061558,"num_words":11,"start":2529.77,"end":2539.615},{"sentences":[{"text":"Alright.","start":2541.115,"end":2541.615,"sentiment":"neutral","sentiment_score":0.09510315954685213},{"text":"Yep.","start":2543.275,"end":2543.595,"sentiment":"neutral","sentiment_score":0.09847726672887802},{"text":"And will I get a reminder a day before or yeah.","start":2543.595,"end":2547.535,"sentiment":"neutral","sentiment_score":0.09639371321959929},{"text":"Yeah.","start":2554.17,"end":2554.49,"sentiment":"neutral","sentiment_score":0.2949310541152954},{"text":"That'll be great.","start":2554.49,"end":2555.37,"sentiment":"positive","sentiment_score":0.5784628589948019}],"sentiment":"neutral","sentiment_score":0.1931900531053543,"num_words":17,"start":2541.115,"end":2555.37},{"sentences":[{"text":"Yep.","start":2555.37,"end":2555.87,"sentiment":"neutral","sentiment_score":0.16154778003692627},{"text":"And that's 05:30 Melbourne time.","start":2559.93,"end":2562.97,"sentiment":"neutral","sentiment_score":0.03639138787984848},{"text":"Yeah?","start":2562.97,"end":2563.47,"sentiment":"neutral","sentiment_score":0.04860597103834152},{"text":"Okay.","start":2568.3052,"end":2568.7852,"sentiment":"neutral","sentiment_score":0.12872615456581116},{"text":"Yep.","start":2568.7852,"end":2568.945,"sentiment":"neutral","sentiment_score":0.07741165906190872}],"sentiment":"neutral","sentiment_score":0.0664720560113589,"num_words":9,"start":2555.37,"end":2568.945},{"sentences":[{"text":"Yep.","start":2568.945,"end":2569.185,"sentiment":"neutral","sentiment_score":0.04745927453041077},{"text":"Yep.","start":2569.185,"end":2569.665,"sentiment":"neutral","sentiment_score":0.04456619545817375},{"text":"Yeah.","start":2569.665,"end":2570.0652,"sentiment":"neutral","sentiment_score":0.042806316167116165},{"text":"No daylight savings.","start":2570.0652,"end":2571.125,"sentiment":"neutral","sentiment_score":-0.05757984519004822},{"text":"Okay.","start":2571.2651,"end":2571.745,"sentiment":"neutral","sentiment_score":-0.00837562046945095}],"sentiment":"neutral","sentiment_score":-0.00661190998341356,"num_words":7,"start":2568.945,"end":2571.745},{"sentences":[{"text":"Yep.","start":2571.745,"end":2572.245,"sentiment":"neutral","sentiment_score":0.021167507395148277},{"text":"Finished it.","start":2575.5051,"end":2576.485,"sentiment":"neutral","sentiment_score":-0.0455365926027298},{"text":"Alright.","start":2578.625,"end":2579.125,"sentiment":"neutral","sentiment_score":0.2612771987915039},{"text":"Beautiful.","start":2579.3452,"end":2579.8452,"sentiment":"positive","sentiment_score":0.6719842553138733},{"text":"Thank you, Jane.","start":2579.985,"end":2580.705,"sentiment":"positive","sentiment_score":0.7604086597760519}],"sentiment":"positive","sentiment_score":0.3930727194529027,"num_words":8,"start":2571.745,"end":2580.705},{"sentences":[{"text":"I do appreciate you taking my call just so fast.","start":2580.705,"end":2583.445,"sentiment":"positive","sentiment_score":0.7733623921871186},{"text":"Beautiful.","start":2591.3699,"end":2591.8699,"sentiment":"positive","sentiment_score":0.7229279279708862},{"text":"And you're looking to my super, the other investments.","start":2591.93,"end":2594.27,"sentiment":"positive","sentiment_score":0.3968480196264055},{"text":"We'll talk about all that on the first.","start":2594.3298,"end":2596.245,"sentiment":"neutral","sentiment_score":0.2367551065981388},{"text":"Okay.","start":2598.725,"end":2599.225,"sentiment":"neutral","sentiment_score":0.1872505247592926}],"sentiment":"positive","sentiment_score":0.48653363462152155,"num_words":29,"start":2580.705,"end":2599.225},{"sentences":[{"text":"Alright.","start":2599.925,"end":2600.425,"sentiment":"positive","sentiment_score":0.5092630982398987},{"text":"Awesome.","start":2601.125,"end":2601.625,"sentiment":"positive","sentiment_score":0.7792925238609314},{"text":"Thank you very much.","start":2601.685,"end":2602.645,"sentiment":"positive","sentiment_score":0.8171996772289276},{"text":"You have a fantastic day, and we'll speak then.","start":2602.645,"end":2605.385,"sentiment":"positive","sentiment_score":0.7617078026135763},{"text":"Thank you.","start":2608.749,"end":2609.3088,"sentiment":"positive","sentiment_score":0.5972634553909302}],"sentiment":"positive","sentiment_score":0.7416030273717993,"num_words":17,"start":2599.925,"end":2609.3088},{"sentences":[{"text":"Cheers.","start":2609.3088,"end":2609.8088,"sentiment":"positive","sentiment_score":0.5615851879119873},{"text":"Bye bye.","start":2610.429,"end":2611.169,"sentiment":"neutral","sentiment_score":0.05097682029008864}],"sentiment":"neutral","sentiment_score":0.2211796094973882,"num_words":3,"start":2609.3088,"end":2611.169}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning. This is Dana.\n\nChannel 1: Hey, Dana. It's Natalie. How are you?\n\nChannel 0: I'm good, Natalie. How are you today?\n\nChannel 1: I'm good. Thank you. I just thought I'd, touch base with you. I know you sent me an email, and I took about a week and a half to get back to you. I think something like that.\n\nSo I sent an email regarding our last conversation.\n\nChannel 0: Yeah.\n\nChannel 1: That'll\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So I don't know. Did you get my email?\n\nChannel 0: I did. Yes. Yeah. We sent you another email that had\n\nChannel 1: Oh,\n\nChannel 0: the quotes attached. Did you not get that one\n\nChannel 1: no.\n\nChannel 0: yet? Or oh,\n\nChannel 1: No.\n\nChannel 0: okay. That's okay. I can pull them up real quick if you like and just run you through them. I do apologize that that didn't come through.\n\nChannel 1: Yeah. No. I'm I'm just, like, looking now. I've got your email, I don't know, saying thirteen days ago.\n\nChannel 0: Yeah.\n\nChannel 1: No. That was me responding. You sent me an email. No. Thirteen yeah.\n\nI responded really late. March\n\nChannel 0: No. That's\n\nChannel 1: the\n\nChannel 0: okay.\n\nChannel 1: March 5.\n\nChannel 0: You're\n\nChannel 1: And\n\nChannel 0: yeah.\n\nChannel 1: you were gonna\n\nChannel 0: That's\n\nChannel 1: send\n\nChannel 0: honestly\n\nChannel 1: quote,\n\nChannel 0: okay. Yep.\n\nChannel 1: But then I yeah. I haven't seen anything.\n\nChannel 0: Interesting. Because it definitely sent them through. I can see them in my sandbox,\n\nChannel 1: When\n\nChannel 0: but,\n\nChannel 1: did\n\nChannel 0: honestly, that's\n\nChannel 1: yeah.\n\nChannel 0: okay.\n\nChannel 1: When did you send it?\n\nChannel 0: It was sent the same day that I sent the other email to you. There was two emails that was sent. One had the quote, which I just re forwarded through, and then the other one had just that follow-up there. But\n\nChannel 1: Oh, I can't k pop. Oh my god.\n\nChannel 0: that's okay. You're honestly fine. Do not worry in any way, shape, or form. Look. What I'll do is I'll pull them up, and we'll have a bit of a quick chat if you've got a few minutes now.\n\nAnd\n\nChannel 1: Yeah.\n\nChannel 0: then you can let me know what you wanna do just so I can get things sorted for you. How does\n\nChannel 1: Yeah.\n\nChannel 0: that sound?\n\nChannel 1: Yeah. That\n\nChannel 0: Yeah.\n\nChannel 1: sounds good.\n\nChannel 0: Excellent. All good. So I'll just pull them up real quick. So sorry. My computer's a little bit slow this morning.\n\nChannel 1: Well, good. I understand. I'm working from home too. It does my head in.\n\nChannel 0: Oh, yeah. I am through today. I did my back in on the weekend, so I was like, can I work?\n\nChannel 1: Oh.\n\nChannel 0: It's better to work from home. That way, I don't have to drive to the office.\n\nChannel 1: Oh, no. Yeah.\n\nChannel 0: Okay. So at the moment, just looking at your current policy there at the moment. So we were mostly just looking at the income protection side\n\nChannel 1: Yeah. Because I've got I've got\n\nChannel 0: of\n\nChannel 1: the life\n\nChannel 0: things,\n\nChannel 1: insurance.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: believe. You do. Yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: it's really just the income protection that I need to get. Yeah. Just to be safe,\n\nChannel 0: Just\n\nChannel 1: you know,\n\nChannel 0: the\n\nChannel 1: with\n\nChannel 0: increasing. Yeah. Absolutely. So if I pull up the quote here, we've got these were done there we go. The third of the sixth twenty twenty six.\n\nIncome protection. Beautiful. Okay.\n\nChannel 1: I don't know if it's gone to my junk. What is it going to?\n\nChannel 0: That's honestly not an issue at all. Just trying to I also saved into your file here, so I should be able to bring them up fairly easily. Okay. Here we go. So income protection.\n\nChannel 1: Did you resend it now?\n\nChannel 0: Two. No. No.\n\nChannel 1: Oh, okay.\n\nChannel 0: Has something come through? Or\n\nChannel 1: No. Nothing's come through.\n\nChannel 0: no?\n\nChannel 1: I'm just gonna\n\nChannel 0: That's\n\nChannel 1: go\n\nChannel 0: really\n\nChannel 1: back to\n\nChannel 0: interesting.\n\nChannel 1: the did you did you\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: it.\n\nChannel 1: send it or not?\n\nChannel 0: No. No. No. No. Sent it a couple of weeks back, but, honestly\n\nChannel 1: June 0 June 3, did you send it?\n\nChannel 0: yeah. That sounds about familiar because when was this last one yeah. The last\n\nChannel 1: I'm\n\nChannel 0: one was on June 3 as well. So I sent both those emails on June 3.\n\nChannel 1: so confused.\n\nChannel 0: It's okay. Honestly, it's not a problem at all. So, essentially, just having a look at where we are at the moment. So income we had so I have a look at your last tax plan we talked about as well. Because what's your income at the moment there?\n\nChannel 1: Including super?\n\nChannel 0: Yeah.\n\nChannel 1: Around 70?\n\nChannel 0: About 70,000? Okay. All good. So, realistically\n\nChannel 1: Yes.\n\nChannel 0: so\n\nChannel 1: Not the\n\nChannel 0: 70\n\nChannel 1: best paying\n\nChannel 0: thousand.\n\nChannel 1: job, which\n\nChannel 0: Oh,\n\nChannel 1: I'm trying to\n\nChannel 0: that's\n\nChannel 1: find\n\nChannel 0: okay.\n\nChannel 1: something else.\n\nChannel 0: Are you? Yeah.\n\nChannel 1: Yeah. It's\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: That's\n\nChannel 1: yeah. Not enough money. Gosh.\n\nChannel 0: no. It's just amazing that living expenses have just gone up so\n\nChannel 1: Yeah.\n\nChannel 0: much. The cost of everything is just horrendous at the moment, so it does make it very, very difficult.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So having a look at the last certificate of currency we have here, your current income protection policy has some insured of where are we? Income protection. Oh, it doesn't have it at all. So at the moment, you've only got the life and TBD.\n\nPerfect. So sorry. Now I have everything in front of me here. So you\n\nChannel 1: Yes.\n\nChannel 0: don't have any income protection at the moment. You've only got the the life and the TPD covered there. So what we were sort of talking about when I go back over my notes, I do apologize, essentially looking at trying to get some income protection to cover you. So income protection can essentially cover up to 70% of your monthly income. So if we have a look at what you're on now, 70% of that 70,000 on a yearly basis, 7,000 means that we would need to have a monthly benefit amount of about 4,083.\n\nHaving a look at part. Oh, my earphones are all black. Can you hear me okay, Natalie?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. So the phone just sound like it was cutting out. It was beeping a little bit on me, so I've just taken my earphones out.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So the income we had on the last of the quotes was actually about 65,900. So your income's definitely gone up from when we spoke last time, which is good. That means you've had an increase. That's fantastic.\n\nChannel 1: Yes.\n\nChannel 0: So I'm actually just going to pop into Neos really quickly just to generate a real simple quote just to give you a bit of an idea of what this looks like.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: like\n\nChannel 0: then\n\nChannel 1: I\n\nChannel 0: if\n\nChannel 1: said,\n\nChannel 0: you want\n\nChannel 1: Dana, you\n\nChannel 0: yeah.\n\nChannel 1: know, I I I don't want, you know, like, I don't know, like, the fees and that to eat my super. Do you know what I mean?\n\nChannel 0: Absolutely. Yeah. Of course. Definitely.\n\nChannel 1: Yeah. So so confusing to me.\n\nChannel 0: Definitely. No. Understandable. So what I can do is I can I'm jumping into Neos now just to have a really quick look at adding the income protection onto your policy to look at what that might\n\nChannel 1: So\n\nChannel 0: cost\n\nChannel 1: it'll be\n\nChannel 0: wise.\n\nChannel 1: it'll be through Neos?\n\nChannel 0: Yeah. So we'll\n\nChannel 1: Yes.\n\nChannel 0: probably look to just add the policy with the current insurer you have.\n\nChannel 1: Yeah.\n\nChannel 0: I will go back and just look at other insurers as well just to see if anyone else offers, you know, the policy cheaper in any way, shape, or form. I mean, there's nothing wrong with having another insurer with just the income protection, but they tend to offer what's called a multi policy discount. So if you have all three policies with the same insurer, they tend to then offer a bit of a discount.\n\nChannel 1: Yeah.\n\nChannel 0: So it\n\nChannel 1: Yeah.\n\nChannel 0: does kinda work out a bit cheaper that way,\n\nChannel 1: Yes.\n\nChannel 0: but this is just this system is just great today. It's not\n\nChannel 1: Yeah.\n\nChannel 0: working for me at all. I love technology when it wants to work for.\n\nChannel 1: Oh, god. I don't know.\n\nChannel 0: I'm just gonna do a brand new quote just to have a look at the income protection. But what I can do is once we kind of have this quote and I go back and just have a look at everything alongside, you know, your current insurances, look at what your your super has been doing, I'm also reviewing I also did some research and had a look at the investments and how they're structured for you as well. So we can I definitely wanna update the investments for you because there are some better performing investments out there that have done a bit\n\nChannel 1: Yes.\n\nChannel 0: better that could put you in a much better position? So\n\nChannel 1: Yes.\n\nChannel 0: I'll essentially look at all of that together with the cost of the insurances and also then just, you know, show you as part of the advice document what that looks like, how that affects you, what the projected outcome over the next, you know, five to ten years looks like. That way, you've got an informed decision. You can see everything as a total. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yeah. Beautiful. Are you a smoker or nonsmoker?\n\nChannel 1: I am a snoek ha.\n\nChannel 0: Smoker? Okay. Beautiful. And what's your job at the moment? What do you do?\n\nChannel 1: I'm a hardship officer.\n\nChannel 0: Hard.\n\nChannel 1: So\n\nChannel 0: So more of an admin worker. Yeah. Beautiful. I'll put it down as an office only. You don't sort of do a lot of out in the field work,\n\nChannel 1: credit.\n\nChannel 0: do you?\n\nChannel 1: No. No. No.\n\nChannel 0: No. Beautiful. Beautiful. Okay. And 03/09/1977 is your date of birth.\n\nThat's beautiful.\n\nChannel 1: Yes.\n\nChannel 0: So looking at income protection, based on income of 70,000, It gives us a monthly sum insured of $4.00 $8.03, which is great. Paid out a super to make it more cost effective for you.\n\nChannel 1: Yes.\n\nChannel 0: Now we have a couple of options. One of them is the as a waiting period. This is how long you need to be off work before you can make a claim. Realistically, having a shorter benefit waiting period, sorry, is more preferable because you don't have to wait\n\nChannel 1: Yes.\n\nChannel 0: as long to make a claim.\n\nChannel 1: Yes.\n\nChannel 0: They allow these from about four weeks. So if I choose the lowest waiting period for you and we just look at a two year benefit period, the benefit period is how long you can be on a claim for. So say if you were, you know, to break your leg and not be able to go to work,\n\nChannel 1: Yes.\n\nChannel 0: you can be on a claim for up to two years. If that\n\nChannel 1: Okay.\n\nChannel 0: claim continues past two years and you still can't go back to work, the insurer stops paying when that benefit period stops at two years, and we just have to find another way to cover expenses. That is the cheapest option. It is showing per year. I'm gonna make it yes. So per year, it'd be about $1,534.\n\nSo\n\nChannel 1: Mhmm.\n\nChannel 0: $1,534 on top of your current insurances. If you go for a five year benefit period, it's about 2,117. So it adds between 1,500 to 2,000 on top of your current cover to have that income protection policy there. Yeah.\n\nChannel 1: Okay. What's your what's your thoughts?\n\nChannel 0: Honestly, I think, you know, it's about making sure that you do have a level of cover that is supporting you. You know, the risk of given your circumstances, you know, having a look at the fine here and your circumstances, having a bit of income protection to fall back on is by no means a bad thing. I\n\nChannel 1: No.\n\nChannel 0: think it does just provide you with a little bit of extra cover in the event that something was to happen.\n\nChannel 1: Yeah.\n\nChannel 0: Because the biggest thing is if you were off work, you've kinda got nothing much to fall back on.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: alright.\n\nChannel 0: it's\n\nChannel 1: And\n\nChannel 0: about\n\nChannel 1: I'm on\n\nChannel 0: just\n\nChannel 1: my\n\nChannel 0: making\n\nChannel 1: own.\n\nChannel 0: sure you\n\nChannel 1: I've\n\nChannel 0: can claim.\n\nChannel 1: I've got\n\nChannel 0: That's exactly right. Yeah.\n\nChannel 1: no got no other income. Yeah.\n\nChannel 0: Absolutely. Yeah. So if you like, what I could do is I'll go back. I'll review all the other insurers out there as well as this one. I can make a recommendation on that income protection policy for you.\n\nI'll add it into the advice document with the change of the with the change of the investments and show you how this affects you over the next couple of years. What this also does is we also, you know, want to make sure that this is reviewed. So the level of cover you have now, you might not need that much cover next year or the year after, so we might be able to reduce that back. You also don't need the insurances past the age of 60 with the income protection side of things. So we could definitely look at, you know, reducing that back down the track.\n\nIt's more just making\n\nChannel 1: What do\n\nChannel 0: sure\n\nChannel 1: you\n\nChannel 0: you've\n\nChannel 1: mean?\n\nChannel 0: got that cover\n\nChannel 1: Both\n\nChannel 0: now.\n\nChannel 1: by the age\n\nChannel 0: Yeah.\n\nChannel 1: of 60?\n\nChannel 0: Well, when you turn 60, if you're unable to work, you axe you can access your super. So the earliest we're able to access super under legislation at the moment is if we turn 60 and stop working, so fully retired. So that means if you, you know, break your leg or you break your back, you know, unable to work after 60, you've met that condition of release. So, theoretically, beyond the age of 60, we don't really need to worry about income protection because we can use our super if we need to to draw down income or to cover expenses if we're not able to work. So that is that is a benefit.\n\nWe would only realistically need to hold this cover for the next sort of ten years. The downside to income protection is it does get more expensive. These premiums start cheaper now, and then as you get older, because the risk of you claiming increases and income protection's the first cover that most people claim on, it does get very expensive. So we would review the level of cover you have if you find it's too much, it's not working, you don't want it anymore, we can always cancel it. It is absolutely fine.\n\nChannel 1: Yeah.\n\nChannel 0: But I'd\n\nChannel 1: And\n\nChannel 0: probably\n\nChannel 1: do\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: more\n\nChannel 1: do\n\nChannel 0: yeah.\n\nChannel 1: do\n\nChannel 0: Sorry.\n\nChannel 1: I do these reviews with you for the income\n\nChannel 0: Yep.\n\nChannel 1: protection and life insurance, all that?\n\nChannel 0: Yep.\n\nChannel 1: It's all from\n\nChannel 0: Absolutely.\n\nChannel 1: you? Yeah.\n\nChannel 0: Yep. I'll do all that with you. All of you you see for annual insurance, there's a level of cover you have, how things have been working, and just\n\nChannel 1: Okay.\n\nChannel 0: review that every year. We'll even do a catch up once every six months if you like just to see how things tracking\n\nChannel 1: Yes.\n\nChannel 0: for you as well. Yeah.\n\nChannel 1: Yes,\n\nChannel 0: Absolutely.\n\nChannel 1: please. So\n\nChannel 0: Yep.\n\nChannel 1: which one should I go for? The two year or the five year?\n\nChannel 0: Honestly\n\nChannel 1: Two year?\n\nChannel 0: yeah. So, realistically, most claims 90% of claims are dealt with within the first two years. So there's nothing wrong with a two year benefit period as long as you're comfortable with the risk that if something happened drastic,\n\nChannel 1: I'm\n\nChannel 0: like,\n\nChannel 1: just\n\nChannel 0: you know,\n\nChannel 1: thinking\n\nChannel 0: you were\n\nChannel 1: about I'm\n\nChannel 0: yeah.\n\nChannel 1: a\n\nChannel 0: You're\n\nChannel 1: smoke\n\nChannel 0: right.\n\nChannel 1: and things like that, you know.\n\nChannel 0: Yeah.\n\nChannel 1: Just, you know, I don't I don't wanna get sick, but\n\nChannel 0: No.\n\nChannel 1: I really wanna stop.\n\nChannel 0: Yeah. No. That's okay. I also just I'm having a quick look back at your last file as well. So just sort of looking at when we last would have done a pre assessment with you, it doesn't look like we have done one in the past.\n\nCan I do a quick pre assessment with you as well just to see if there would be any exclusions or loadings that might be added to the policy as well?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yep. Beautiful. I'm just pulling up the document. Pre assessment. There we go.\n\nBeautiful. So this is just a bit of a a lifestyle and medical questionnaire. This kinda gives me an idea of what might be offered, what exclusions might be on the policy. So the fun the fun thing about insurances is, you know, if there's any preexisting conditions, they generally won't cover you for them. So it's the same thing if you had your car insurance and, you know, you went to there was a storm coming.\n\nWe can't call the insurance and say, hey. There's a storm on its way. I wanna protect my car against hail damage. They won't do it. It's preexisting.\n\nIt's or the risk is already there, and the likelihood of claiming is much higher. So the same thing happens, you know, if we've had back injuries or knee injuries in the past. If they're fairly recent or ongoing, they're more likely to exclude those from the policy, so you can't claim on those sort of things. And that's because the risk of you claiming is so much higher. They like to, you know, try to reduce the risk level as much as possible.\n\nChannel 1: Yes.\n\nChannel 0: But I'll run through these with you just to kinda get an idea of how everything looks. Now a couple of bizarre questions to begin. Have you ever been on a part nine debt agreement or bankrupt? Beautiful. Excellent.\n\nDo you have any qualifications for your role? Have you been to uni or got any degrees\n\nChannel 1: No.\n\nChannel 0: or qualifications?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: No.\n\nChannel 0: That's okay. Not a problem at all. Now would you say that your duties are a 100% administration or a bit less?\n\nChannel 1: No. Probably 100%. Yeah.\n\nChannel 0: 100%? Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Do you do any domestic travel for work?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. You probably wouldn't do any hazardous activities going underground or using explosives\n\nChannel 1: No.\n\nChannel 0: or anything crazy as part of your role. Do you intend to change your occupation within the next twelve months?\n\nChannel 1: No.\n\nChannel 0: Right. Beautiful. Do you have a secondary job?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yep. What is it that you do as a secondary role?\n\nChannel 1: Yeah. On support carer support, like, for through for NDIS.\n\nChannel 0: Okay.\n\nChannel 1: I just do that once a week on a Saturday just for extra\n\nChannel 0: Yep.\n\nChannel 1: cash. So,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, just going in and, you know, assisting clients, you know, with home duties and their shopping and, you know, cleaning up and stuff like that for them.\n\nChannel 0: Okay.\n\nChannel 1: And, yeah, it's just\n\nChannel 0: Beautiful.\n\nChannel 1: the same clients, the same two\n\nChannel 0: Yep.\n\nChannel 1: clients that I do in\n\nChannel 0: Yep.\n\nChannel 1: that one day. Yeah.\n\nChannel 0: That's\n\nChannel 1: What would\n\nChannel 0: okay.\n\nChannel 1: I how could I say it? Where\n\nChannel 0: No.\n\nChannel 1: is my\n\nChannel 0: That's okay. It's more just a home duty. You're just providing assistance to clients once a week, and you do that every week?\n\nChannel 1: yeah. Every Saturday.\n\nChannel 0: Yep. Yep. And how\n\nChannel 1: Just,\n\nChannel 0: many\n\nChannel 1: you know,\n\nChannel 0: hours\n\nChannel 1: next.\n\nChannel 0: would you do each each Saturday?\n\nChannel 1: So at the moment, it is six hours.\n\nChannel 0: Six hours. Beautiful. With this one here, they may change the occupation rating of it because you do do some in home assistance for a client. So that may add a little bit of risk to the policy, and so just in admin workers, so it may increase the cost of things. I will go back as part of the advice, and I will have a look at the the contracts offered and see what that look like.\n\nAnd I'll add all of this into the advice document for you so you can read it and see it all in writing. Is that okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Do you have any plans to travel overseas or an overseas travel booked in the next twelve months at all?\n\nChannel 1: Yeah. I do, actually, in July.\n\nChannel 0: Yeah. Nice. Whereabouts are you heading to?\n\nChannel 1: Going to Singapore.\n\nChannel 0: Oh, nice.\n\nChannel 1: Yeah.\n\nChannel 0: I've had it's beautiful.\n\nChannel 1: Just family family holiday with my sister and the kids and mom\n\nChannel 0: Oh,\n\nChannel 1: and dad.\n\nChannel 0: nice.\n\nChannel 1: Yeah. So\n\nChannel 0: Lovely.\n\nChannel 1: just a\n\nChannel 0: And\n\nChannel 1: break.\n\nChannel 0: how long will you be there for?\n\nChannel 1: Oh, a couple of weeks. Two weeks.\n\nChannel 0: Two weeks. Beautiful. Oh, well, you enjoy that. That sounds amazing.\n\nChannel 1: Yep. Need\n\nChannel 0: What date\n\nChannel 1: a break.\n\nChannel 0: are you leaving?\n\nChannel 1: July 17\n\nChannel 0: July\n\nChannel 1: So\n\nChannel 0: 17.\n\nChannel 1: the fifth\n\nChannel 0: Beautiful.\n\nChannel 1: of August.\n\nChannel 0: Yep. Beautiful. Thank you for that. Excellent. Do you participate or play in any hobbies or pastimes or sports?\n\nChannel 1: Oh, no. Just the gym.\n\nChannel 0: Just the gym. Beautiful. And how often do you go?\n\nChannel 1: Probably try to get there four days a week.\n\nChannel 0: Four days a week. Beautiful. Excellent.\n\nChannel 1: Yeah. Just\n\nChannel 0: And you've\n\nChannel 1: our health, our work and stuff. Yeah.\n\nChannel 0: yeah. Understandable. And you've confirmed that you are a smoker as well?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. How many would you say you would have smokes on a daily basis?\n\nChannel 1: Oh, probably eight to 10.\n\nChannel 0: Eight to 10. Yep. Depending\n\nChannel 1: Yeah.\n\nChannel 0: on the day and how stressful it is.\n\nChannel 1: Yes. Yes. I was a lot of that with my work and that, you know, you hear\n\nChannel 0: Yeah.\n\nChannel 1: a lot of stories, people, DB, and crazy,\n\nChannel 0: Difficult.\n\nChannel 1: you know, listening to people's lives. And, yeah, sometimes it just gets overwhelming sometimes.\n\nChannel 0: Absolutely.\n\nChannel 1: But yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But I\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: Of\n\nChannel 1: think\n\nChannel 0: course.\n\nChannel 1: to myself, you know, like, I'm not in anything like that, but there's people out there in a worse position, you know, when you feel down with yourself and you just think, you know, pick yourself up, you know, there's other people out there that are going through so much more, like\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: but yeah. Yeah.\n\nChannel 0: No. It's a lot to to have to to listen to. I I completely understand, but you always try to take with a grain of salt. But, you know, sometimes it's just hard to take on a lot of the stress that people are feeling and, you know,\n\nChannel 1: Yeah.\n\nChannel 0: it it's difficult. No. I completely understand. It's part of our job. We listen to a lot of, you know, what's happening in people's lives and really try to understand a lot of hardship and things like that, and it's it's definitely not easy.\n\nYou tend to wanna you you tend to empathize and sympathize a lot with people and\n\nChannel 1: Yes.\n\nChannel 0: start to take on a lot of those feelings, and sometimes it just sits with you. So I absolutely understand. Yeah.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: The next one here is, have you ever taken any illicit drugs?\n\nChannel 1: No.\n\nChannel 0: Beautiful. Love that.\n\nChannel 1: What is notification. Yeah. Panadol.\n\nChannel 0: Oh, no. No. That's okay.\n\nChannel 1: People\n\nChannel 0: It's more just looking at, you\n\nChannel 1: yeah.\n\nChannel 0: know, have you\n\nChannel 1: No.\n\nChannel 0: had marijuana, cocaine, meth, things like that. No.\n\nChannel 1: No.\n\nChannel 0: All good. On, say, a weekly or fortnightly or even a monthly basis, would you drink alcohol? And if so, how many would you have?\n\nChannel 1: It's just yeah. That's just random.\n\nChannel 0: Yep.\n\nChannel 1: What do you mean in a month?\n\nChannel 0: Oh, yeah. They ask on a weekly basis, but if you don't\n\nChannel 1: Oh.\n\nChannel 0: drink every week, if you would average it out on a monthly basis, that's absolutely\n\nChannel 1: I don't know. Probably two, three drinks for a\n\nChannel 0: fine.\n\nChannel 1: month.\n\nChannel 0: Per per month? Yep. Beautiful. Excellent. And do you know roughly what your height and weight would be?\n\nChannel 1: I'm quite short.\n\nChannel 0: Yep.\n\nChannel 1: No. I don't know my height at all. I don't know. Five five five.\n\nChannel 0: Yep.\n\nChannel 1: I don't know.\n\nChannel 0: Two.\n\nChannel 1: I don't know.\n\nChannel 0: Five five. That's okay. What do you think your weight might sort of be roughly?\n\nChannel 1: Probably around between seventy, seventy five.\n\nChannel 0: Three seventy five. Yep. Perfect.\n\nChannel 1: Let\n\nChannel 0: Thank\n\nChannel 1: me say,\n\nChannel 0: you.\n\nChannel 1: I haven't weighed myself in ages.\n\nChannel 0: Yep. Yeah. That's absolutely fine. So we'll say five point five, and then weight is about seventy five. Excellent.\n\nAnd have you lost any large sums of weight to say more than 10 kilos over the past twelve months?\n\nChannel 1: No. I wish.\n\nChannel 0: No. So do I. There we go. Excellent. The next one here is just asking so, actually, I don't need to worry about those ones, so it's okay.\n\nThe next one I hear are all of them, your medical history. So just kind of, you know, looking back and has any have you been diagnosed with or sought treatment for any of the below? Is this the list? So I'll just run through the list. If you can just\n\nChannel 1: Yes.\n\nChannel 0: say yes or no. Some of them are a bit deep, and I'm very, very sorry. I'll go very simple very easily on these ones. Okay.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: The first one here is stress, anxiety, depression, or any mental health disorders.\n\nChannel 1: No.\n\nChannel 0: No. Excellent. Any skin cancers, tumors, lesions, cysts, or moles?\n\nChannel 1: No.\n\nChannel 0: Nope. Any back or neck pain, any sciatica, spondylitis, any pain with the ligaments, tendons, any injuries around those areas, gout or arthritis?\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Any sciatica, spondylitis, or other back and neck problems?\n\nChannel 1: Nope.\n\nChannel 0: No. Any HIV, hep b, or c?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Any blood conditions.\n\nChannel 1: Nope.\n\nChannel 0: Nope. Any previous surgeries over the past one to two or three years.\n\nChannel 1: Nope.\n\nChannel 0: Nope. Any cancers. Nope. Any asthma or respiratory conditions?\n\nChannel 1: Yep. No.\n\nChannel 0: Any disease of your eyes or ears?\n\nChannel 1: No.\n\nChannel 0: No. Any high blood pressure or high cholesterol?\n\nChannel 1: No.\n\nChannel 0: Any skin conditions or diabetes?\n\nChannel 1: Nope.\n\nChannel 0: Any thyroid conditions?\n\nChannel 1: Nope.\n\nChannel 0: Or anything else in this list we haven't touched on?\n\nChannel 1: Nope.\n\nChannel 0: No. Beautiful. I love that. No for everything. The next one here is have you ever had or have you had any abnormal pap smears?\n\nChannel 1: No.\n\nChannel 0: No. Fantastic. Any abnormal vaginal bleeding in the last twelve months at all?\n\nChannel 1: Nope.\n\nChannel 0: And do you have mammograms at the moment?\n\nChannel 1: No. I haven't had one yet.\n\nChannel 0: I haven't had one yet. That's okay. Beautiful. It's really good that you've said no to all of those.\n\nChannel 1: Mhmm.\n\nChannel 0: The next couple are just family history. So have any of your immediate family, so your mother, father, brother, or sister, been diagnosed with or suffered any of the following before the age of 60? So after 60, they're not worried just before the age of 60. 60. Has anyone had suffered or been diagnosed with a heart attack, heart disease, or stroke?\n\nChannel 1: No.\n\nChannel 0: No. Muscular sorry. Multiple sclerosis, Parkinson's, or Alzheimer's?\n\nChannel 1: No.\n\nChannel 0: Muscular dystrophy, Huntington's motor neurone disease, any bowel cancer,\n\nChannel 1: No. No.\n\nChannel 0: melanomas,\n\nChannel 1: No. And this is before the August, did you say?\n\nChannel 0: Before the age of 60. Six zero.\n\nChannel 1: Six\n\nChannel 0: Yeah.\n\nChannel 1: six. Okay.\n\nChannel 0: Yep.\n\nChannel 1: No.\n\nChannel 0: Yep. All good. Any polycystic kidney disease?\n\nChannel 1: No.\n\nChannel 0: Nope. Any breast or ovarian cancer?\n\nChannel 1: Nope.\n\nChannel 0: Any mental health conditions?\n\nChannel 1: Nope.\n\nChannel 0: Any cardiomyopathy?\n\nChannel 1: What does that mean?\n\nChannel 0: Is it around the heart, the heart conditions?\n\nChannel 1: Oh, no.\n\nChannel 0: Nope. Lovely. Any diabetes?\n\nChannel 1: My dad has diabetes, but he's he's just recently been diagnosed. He's, like, 78.\n\nChannel 0: No. That's okay. That would've very recent would be after 60, so that's absolutely\n\nChannel 1: And\n\nChannel 0: fine.\n\nChannel 1: he's just on medication. He's just on tablets.\n\nChannel 0: Yep.\n\nChannel 1: He's not on insulin or anything like that.\n\nChannel 0: Okay. Perfect. So it's really good, and he's doing really well with it.\n\nChannel 1: Yeah. Yeah. You know,\n\nChannel 0: That's\n\nChannel 1: they\n\nChannel 0: good.\n\nChannel 1: just got back on a from a cruise, but yeah.\n\nChannel 0: Oh,\n\nChannel 1: You know,\n\nChannel 0: that's\n\nChannel 1: 80\n\nChannel 0: beautiful.\n\nChannel 1: two and now they're walking, both of them.\n\nChannel 0: Yeah. Oh, I'm glad they're doing really well and getting out there and enjoying their life. That's really important.\n\nChannel 1: Yes. But dad did have a cancer, lung cancer.\n\nChannel 0: Yep. When was he diagnosed? You know?\n\nChannel 1: Oh, it was probably three years ago, and he's\n\nChannel 0: Also,\n\nChannel 1: had a\n\nChannel 0: after the yes. After\n\nChannel 1: yeah.\n\nChannel 0: he turned 60.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. No. That's that's\n\nChannel 1: Yeah. Really\n\nChannel 0: okay.\n\nChannel 1: nothing.\n\nChannel 0: They won't worry too much about that, which is good, but I'm glad that he went through that and come out the other side, and he's having\n\nChannel 1: Yeah.\n\nChannel 0: those regular checkups.\n\nChannel 1: He's doing his regular checkups and and never smoked.\n\nChannel 0: Oh, good\n\nChannel 1: Both\n\nChannel 0: stuff.\n\nChannel 1: my parents don't smoke.\n\nChannel 0: Isn't that ironic? Wow.\n\nChannel 1: Both my my brother my older brother and me were smokers,\n\nChannel 0: Yeah.\n\nChannel 1: and both of them never smoked in their lives.\n\nChannel 0: Wow.\n\nChannel 1: And he ended\n\nChannel 0: And they\n\nChannel 1: up\n\nChannel 0: go\n\nChannel 1: with\n\nChannel 0: there.\n\nChannel 1: this carcinoid tumor. So,\n\nChannel 0: Wow.\n\nChannel 1: yeah, he had to have it removed, and he's never had an operation in his life.\n\nChannel 0: No.\n\nChannel 1: So,\n\nChannel 0: Wow.\n\nChannel 1: yeah, really knocked him for about twelve twelve months.\n\nChannel 0: Yeah.\n\nChannel 1: And he's blocking a bit of a depression and but, yeah,\n\nChannel 0: Of\n\nChannel 1: he's\n\nChannel 0: course.\n\nChannel 1: come good now. Like, he's back to\n\nChannel 0: Yeah.\n\nChannel 1: himself and but, yeah, pretty scary.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: So your dad, you know, your mom\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: going through all that. So yeah. No. It's all good now, though.\n\nChannel 0: Yeah. Oh, really good. That's really good to hear. I'm so glad. Fantastic.\n\nThe last one on that list is any other conditions that they would have been diagnosed with or suffered from before the age of 60 that we haven't got on that list.\n\nChannel 1: I just think mom had some arthritis.\n\nChannel 0: Okay.\n\nChannel 1: I don't know if it was before 60. She's 71.\n\nChannel 0: Yep.\n\nChannel 1: Arthritis and osteo.\n\nChannel 0: Okay.\n\nChannel 1: She goes for, you know, the bone density tests and all that stuff. She's\n\nChannel 0: Yep.\n\nChannel 1: got pretty bad osteoporosis.\n\nChannel 0: Okay.\n\nChannel 1: That's the\n\nChannel 0: In\n\nChannel 1: only\n\nChannel 0: a\n\nChannel 1: thing\n\nChannel 0: bit of\n\nChannel 1: I\n\nChannel 0: pain.\n\nChannel 1: know.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's absolutely that's absolutely okay. Thank you so much for that. That is essentially the entire preassessment. Look. The good news is there is nothing that's really flagging that might be an issue.\n\nThe only thing I can sort of see here is they may change. So with the quote that we had drawn up, that was looking at you being a 100% administration worker, whereas they may assess it more as, like a support worker, which is a little bit more of a risky occupation and can affect the premium slightly. But what I'll do is I'll go back and have a look at the premiums as what they're gonna probably offer based on that. I'll check with the insurers directly. I'll look at Neos as we have today, but I'll also look at any other insurers and try to make the insurance costs as cheap as possible for you while still making sure you have that level of cover that you're after.\n\nIs that okay?\n\nChannel 1: Yeah. That's great, Jane.\n\nChannel 0: Beautiful. And I'll update the advice document to show what we're gonna do with the investments to make sure things are working harder for you down the track and also looking at the insurances. So you can see everything nice and clear in writing. We'll go through the advice document together, and then you'll also get to take that back and have a really good read of it and let me know whether you're happy to take the recommendations or not. Does that sound okay?\n\nChannel 1: Yeah. That's good. So you'll send all these through?\n\nChannel 0: Yeah. So let's book in a time now. I've got most of the research all completed. I just need to follow-up on the insurance side of things. So I'll just go into my calendar.\n\nI can have it all ready to go in around about two weeks just because it's the end of financial year. It's really busy at the moment with contributions. So that would put us on essentially the week of the Monday, June 29. What day suits you best that week do you think?\n\nChannel 1: Whatever day. Just yeah. Whatever suits\n\nChannel 0: Any\n\nChannel 1: you.\n\nChannel 0: day?\n\nChannel 1: I'll just yeah.\n\nChannel 0: Yep.\n\nChannel 1: I'll just\n\nChannel 0: That's okay.\n\nChannel 1: make some time.\n\nChannel 0: Absolutely. Did you want to make it sort of afternoon or morning?\n\nChannel 1: What's the latest you can you can call me? Or\n\nChannel 0: So I work until 06:00 Monday, Tuesday, Wednesday. Thursdays, I do actually work until 7PM, sometimes a bit later. I could do it Thursday night if you wanted.\n\nChannel 1: so let's go the Wednesday. That's my off\n\nChannel 0: Yep.\n\nChannel 1: day from gym\n\nChannel 0: Beautiful.\n\nChannel 1: and all of that.\n\nChannel 0: Yep.\n\nChannel 1: Can we go around five, five\n\nChannel 0: Absolutely.\n\nChannel 1: thirty?\n\nChannel 0: Yeah. Definitely. So\n\nChannel 1: Is\n\nChannel 0: if\n\nChannel 1: that\n\nChannel 0: I did you want 05:30?\n\nChannel 1: yeah. Let's go 05:30 just so I can\n\nChannel 0: Perfect.\n\nChannel 1: get up and then do a couple of things and get get\n\nChannel 0: Absolutely.\n\nChannel 1: in my car.\n\nChannel 0: Yeah. That's okay. I'll send a little email now just with the follow-up there just to let you know that booking time\n\nChannel 1: Mhmm.\n\nChannel 0: is being set. That's all good to go. So that's Monday the sorry. Wednesday, July 1. That is crazy how fast this year is going.\n\nChannel 1: Yeah. Oh, no. Crazy.\n\nChannel 0: And that's at 05:30PM there for your statement of advice presentation. I'll have that all ready to go.\n\nChannel 1: Yes.\n\nChannel 0: I'll email you the document when I'm on the phone with you so then you can go through it with me. You can see all the pages, ask any questions that you have, and then you'll get some time afterwards to read it before you decide to take the advice or not. Okay?\n\nChannel 1: Alright. Yep. Yep. Okay. Cool.\n\nChannel 0: All good. Do you have any other questions,\n\nChannel 1: Yeah.\n\nChannel 0: anything?\n\nChannel 1: So that that\n\nChannel 0: Yeah.\n\nChannel 1: other stuff I was talking about, paying the money into my super and that, I think I'm just gonna\n\nChannel 0: Yeah.\n\nChannel 1: put it on my house loan\n\nChannel 0: Yeah. That's absolutely fine.\n\nChannel 1: just with the rates and stuff going up at the moment, and I think I better just put it on there.\n\nChannel 0: That's honestly not a problem at all. Yeah. Absolutely fine. It's something that I think we're all kinda looking at the moment, isn't it, how home loans\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: no.\n\nChannel 0: if they're gonna continue\n\nChannel 1: Yeah.\n\nChannel 0: going up.\n\nChannel 1: I know. They're just talking about it again.\n\nChannel 0: Yeah.\n\nChannel 1: And just the real stuff, you sent that stuff through to,\n\nChannel 0: Yep.\n\nChannel 1: I think. I I I got that stuff that day\n\nChannel 0: Okay.\n\nChannel 1: now\n\nChannel 0: Yep.\n\nChannel 1: that you sent me. So that's just the guide, is it, or who you you have recommended?\n\nChannel 0: So that's just essentially it's just an option of who we can utilize, we can refer you through to just to kind of start the conversation. I always like that little brochure that we send through just to kinda give you an idea of what the cost thing\n\nChannel 1: Yeah.\n\nChannel 0: might look like so you can\n\nChannel 1: Yeah.\n\nChannel 0: sort of see if that works within your budget. But it also kind of you know, if you've got a local solicitor, you can always go on to them and say, hey. What do you charge to do a will and a power of attorney? You know, what's\n\nChannel 1: Yeah.\n\nChannel 0: your costing\n\nChannel 1: I might\n\nChannel 0: look like? And just compare it. Yeah.\n\nChannel 1: yeah. I'm gonna yeah. Because my brother's got a couple of my both of my brothers have just done theirs.\n\nChannel 0: Yeah.\n\nChannel 1: I just wanted to look into theirs as well, but I'm gonna have a read through of\n\nChannel 0: Yep.\n\nChannel 1: that stuff while it you've\n\nChannel 0: Yep.\n\nChannel 1: sent. I've gotta get that done too. So yeah. Well, I just wanted to, yeah, let you know, like, yep. Thank you.\n\nI appreciate\n\nChannel 0: No.\n\nChannel 1: the information.\n\nChannel 0: That's okay. I'm so sorry that last email didn't come through. I do apologize. I'll have to find it for my IT because I can see it\n\nChannel 1: Okay.\n\nChannel 0: sent.\n\nChannel 1: No.\n\nChannel 0: So I'll find it for my IT if there was an issue with it. Sorry about that.\n\nChannel 1: Unless I'm not looking right or I\n\nChannel 0: It's\n\nChannel 1: don't know.\n\nChannel 0: all okay. It's\n\nChannel 1: Yeah.\n\nChannel 0: okay. We got to sort it all today for you, and, yeah, I've got a good base to get some advice done to update everything for you as well. Okay?\n\nChannel 1: Alright. Perfect. And\n\nChannel 0: Yeah.\n\nChannel 1: that's it and that's it. Oh, and, like, we've got with I'm just you know, I don't understand all this stuff properly, but I just want or I've got life insurance, ink action, my supers all working out.\n\nChannel 0: Yep. Yep.\n\nChannel 1: They're the three main things, isn't it?\n\nChannel 0: It is. Yeah. Look. There are other types of insurances that you can have. The three main that you can pay for in super are life, TBD, and income protection.\n\nThere are other insurances that you can hold, like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a large traumatic condition like cancer, Parkinson's. Trauma, you can't hold inside super. It is an out of pocket cost, So a lot of people don't really wanna hold or have trauma because they have to pay for that out of their back pocket. If you wanted me to, I could show you what a recommendation for trauma looks like and add that in, but it all comes down to whether you've got, you know, expendable income or whether you're finding it's a bit tough or whether you wanna see trauma.\n\nChannel 1: Yeah.\n\nChannel 0: Did you\n\nChannel 1: No.\n\nChannel 0: wanna no.\n\nChannel 1: I'll just\n\nChannel 0: That's okay.\n\nChannel 1: yeah. What's the TPD? What did you say? What is that?\n\nChannel 0: Yeah. So\n\nChannel 1: What\n\nChannel 0: TBD\n\nChannel 1: is\n\nChannel 0: is total permanent disability. It pays\n\nChannel 1: I\n\nChannel 0: out in the event\n\nChannel 1: yes.\n\nChannel 0: you're unable to ever go back to work again. Yeah.\n\nChannel 1: And in my life insurance, is it?\n\nChannel 0: It's it's connected too. So you've got your\n\nChannel 1: Yeah.\n\nChannel 0: life insurance cover, and then your TPD is attached to that. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: So they're linked together, basically, but they are two separate policies.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Cool. Cool. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. Let's leave it at that. Like, you're the\n\nChannel 0: Yep.\n\nChannel 1: expert here. I just wanna make sure, you know, all that's right and\n\nChannel 0: Yep.\n\nChannel 1: of the right covers and what I should be having just in case anything happens and, you know, all that stuff.\n\nChannel 0: Yeah. Yeah. That's okay. I'm just going back into your file inside the Neos to look at the certificate of currency just to see. Because I know last time we spoke, there may have been an increase in your policy since then.\n\nSo I'm just gonna pop in here real quick and just give you an updated amount on how much cover you have. Find it. There we go. Beautiful. So there we go.\n\nOkay. So at the moment, do we have payments? Nope. Summary. Policy schedule, and that was from late last year.\n\nSo it should be exactly the same because the last policy schedule, it looks like your policy renews at the end of the year then around about October. Let's see. Schedule. Just gotta pop into it. It needs my little code.\n\nChannel 1: Yeah.\n\nChannel 0: Doesn't wanna let me in. That's okay. It is not a problem. Let's go. Yes.\n\nSo from what I can see, the level of cover that we have here at the moment, this is the last policy schedule. Premium renewal date is around about the eleventh of the twenty fourth of the eleventh. So it kinda goes to renewal time every November. So the last renewal went through on November last year, and that essentially shows that your updated pre your updated sum insured for your life and TBD, you're currently covered for\n\nChannel 1: Mhmm.\n\nChannel 0: 327,302. Are you fairly happy with that level of cover at the moment? Did you wanna\n\nChannel 1: Yep.\n\nChannel 0: kinda look at the life and TPD? Or\n\nChannel 1: No. That's that's\n\nChannel 0: that's\n\nChannel 1: okay.\n\nChannel 0: okay? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Not a problem. Well, I'll go back and just finish that insurance research for you. I'll update the advice document\n\nChannel 1: So that\n\nChannel 0: with\n\nChannel 1: that\n\nChannel 0: you're at sorry.\n\nChannel 1: sorry.\n\nChannel 0: Yep.\n\nChannel 1: That 280, the 380 what did you say? 384. 3\n\nChannel 0: It's\n\nChannel 1: 20\n\nChannel 0: three hundred and 27302.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So if something happens to me in a disability, I would be paid out that? Or\n\nChannel 0: Yeah. So TBD, to give you a little bit of context, like, if you with the life cover, you have that same sum insured. So if you pass away, your beneficiaries receive the $3.27 $3.00 2 plus your super benefit on top of that.\n\nChannel 1: Yeah.\n\nChannel 0: With TBD, unfortunately, it is considered a taxable payment. So if you claim PPD and never able to get back to work again and you withdrew the full benefit amount, the $3.27 $3.00 2,\n\nChannel 1: Yeah.\n\nChannel 0: unfortunately, the ATO and the super system does charge tax on that, and you pay tax that's up to 22%. It could be less. There's a whole big fund math equation that helps them to work at how much tax is payable. But if you were to claim on that payment, also, if you were to claim TPD, we would provide financial advice on how to, hopefully, reduce the tax as much as possible,\n\nChannel 1: Yes.\n\nChannel 0: but also how to draw out the payments or however much you need so that you can live and survive. We'd also claim, you can claim incapacity against your super. So if you take your TBD out, you can also access your super money as well. So we would provide advice on how to limit the amount of tax, how to keep money\n\nChannel 1: Yes.\n\nChannel 0: invested, and to hopefully draw a bit of an income so that things last and also stay invested for you. Sorry.\n\nChannel 1: And\n\nChannel 0: You're\n\nChannel 1: that's\n\nChannel 0: right.\n\nChannel 1: with all that's with all providers. That that that's just the thing that happens, is\n\nChannel 0: It\n\nChannel 1: it? They\n\nChannel 0: is. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: It is. It's something that's not very well known. I've come across quite a lot of people in the past who've gone, yeah. I had TPD, and I claimed it, and they took so much tax, and I didn't know anything about the tax. I was like, yes.\n\nUnfortunately, when we're\n\nChannel 1: Yeah.\n\nChannel 0: under 60, they do charge tax. If you held TPD when and you're older than 60, there's no tax on the the payout whatsoever. So it's more just if we access under the age\n\nChannel 1: Early.\n\nChannel 0: of 60, there are tax consequences\n\nChannel 1: Yeah.\n\nChannel 0: for it.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: They see us all coming, unfortunately.\n\nChannel 1: Yeah. Yeah. Alright. Yeah. Cool.\n\nChannel 0: Yeah. That's\n\nChannel 1: That's\n\nChannel 0: okay.\n\nChannel 1: good. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: No. That's alright. If you ever have questions, let me know. Please email me back if there's anything else. I'll,\n\nChannel 1: Yeah.\n\nChannel 0: dump on it nice and quickly for you. Okay?\n\nChannel 1: Alright. Yeah. No problem, Dana. Alright.\n\nChannel 0: Oh, good.\n\nChannel 1: Cool.\n\nChannel 0: Yeah.\n\nChannel 1: So July 1, 05:30.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Yeah. I'll send you an email now\n\nChannel 1: it.\n\nChannel 0: with that time and date there so you've got that\n\nChannel 1: Alright.\n\nChannel 0: in your email. Okay.\n\nChannel 1: Yep. And will I get a reminder a day before or\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely. I'll send a text message reminder. I can set it up so it sends you a message about two hours prior. Would that be okay?\n\nChannel 1: Yeah. That'll be great. Yep.\n\nChannel 0: Yep. Send a text message two hours prior just to remind you I'll be giving you a call. Okay.\n\nChannel 1: And that's 05:30 Melbourne time. Yeah?\n\nChannel 0: Yeah. You're on the same time zone as us now. So, yeah, we're all good.\n\nChannel 1: Okay. Yep. Yep. Yep. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No daylight savings. Okay. Yep.\n\nChannel 0: I know. Not yet.\n\nChannel 1: Finished it.\n\nChannel 0: I know.\n\nChannel 1: Alright. Beautiful. Thank you, Jane. I do appreciate you taking my call just so fast.\n\nChannel 0: Anytime. Not a problem at all. If there's anything else, let me know. In the meantime, I'll get stuck into this little bit of research, and I'll get the advice ready to go for you.\n\nChannel 1: Beautiful. And you're looking to my super, the other investments. We'll talk about all that on the first.\n\nChannel 0: Yes. Yes. Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright. Awesome. Thank you very much. You have a fantastic day, and we'll speak then.\n\nChannel 0: Will do. Thank you so much, Natalie. Enjoy your day.\n\nChannel 1: Thank\n\nChannel 0: See\n\nChannel 1: you.\n\nChannel 0: you later.\n\nChannel 1: Cheers.\n\nChannel 0: Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.5999999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.3251762092113495},{"text":"This is Dana.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.23338356614112854}],"sentiment":"neutral","sentiment_score":0.2701006233692169,"channel":0,"num_words":5,"start":1.5999999,"end":3.06},{"sentences":[{"text":"Hey, Dana.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.28416554629802704},{"text":"It's Natalie.","start":4.24,"end":5.14,"sentiment":"neutral","sentiment_score":0.271417997777462},{"text":"How are you?","start":5.2,"end":6.1,"sentiment":"neutral","sentiment_score":0.3103945751984914}],"sentiment":"neutral","sentiment_score":0.2917644019637789,"channel":1,"num_words":7,"start":3.6,"end":6.1},{"sentences":[{"text":"I'm good, Natalie.","start":6.16,"end":7.2,"sentiment":"positive","sentiment_score":0.5986987948417664},{"text":"How are you today?","start":7.2,"end":8.18,"sentiment":"positive","sentiment_score":0.5076280534267426}],"sentiment":"positive","sentiment_score":0.5466583711760384,"channel":0,"num_words":7,"start":6.16,"end":8.18},{"sentences":[{"text":"I'm good.","start":8.48,"end":9.04,"sentiment":"positive","sentiment_score":0.5878253281116486},{"text":"Thank you.","start":9.04,"end":9.78,"sentiment":"positive","sentiment_score":0.6604080200195312},{"text":"I just thought I'd, touch base with you.","start":9.92,"end":12.799999,"sentiment":"neutral","sentiment_score":0.20297664403915405},{"text":"I know you sent me an email, and I took about a week and a half to get back to you.","start":12.799999,"end":17.645,"sentiment":"neutral","sentiment_score":0.014410729919161116},{"text":"I think something like that.","start":17.645,"end":18.925,"sentiment":"neutral","sentiment_score":-0.016410521417856216}],"sentiment":"neutral","sentiment_score":0.11423296236286037,"channel":1,"num_words":38,"start":8.48,"end":18.925},{"sentences":[{"text":"So I sent an email regarding our last conversation.","start":18.925,"end":23.825,"sentiment":"neutral","sentiment_score":0.0031600859430101183}],"sentiment":"neutral","sentiment_score":0.0031600859430101183,"channel":1,"num_words":9,"start":18.925,"end":23.825},{"sentences":[{"text":"Yeah.","start":25.045,"end":25.545,"sentiment":"neutral","sentiment_score":0.012283137999475002}],"sentiment":"neutral","sentiment_score":0.012283137999475002,"channel":0,"num_words":1,"start":25.045,"end":25.545},{"sentences":[{"text":"That'll","start":25.244999,"end":25.485,"sentiment":"neutral","sentiment_score":0.01492767408490181}],"sentiment":"neutral","sentiment_score":0.01492767408490181,"channel":1,"num_words":1,"start":25.244999,"end":25.485},{"sentences":[{"text":"Yeah.","start":25.685001,"end":26.185001,"sentiment":"neutral","sentiment_score":0.003549523651599884}],"sentiment":"neutral","sentiment_score":0.003549523651599884,"channel":0,"num_words":1,"start":25.685001,"end":26.185001},{"sentences":[{"text":"yeah.","start":25.965,"end":26.465,"sentiment":"neutral","sentiment_score":-0.004856174811720848},{"text":"So I don't know.","start":27.619999,"end":28.34,"sentiment":"neutral","sentiment_score":-0.03583697695285082},{"text":"Did you get my email?","start":28.34,"end":29.56,"sentiment":"neutral","sentiment_score":-0.021609418839216233}],"sentiment":"neutral","sentiment_score":-0.02562511768192053,"channel":1,"num_words":10,"start":25.965,"end":29.56},{"sentences":[{"text":"I did.","start":29.98,"end":30.539999,"sentiment":"neutral","sentiment_score":-0.0059056151658296585},{"text":"Yes.","start":30.539999,"end":30.859999,"sentiment":"neutral","sentiment_score":0.005369184538722038},{"text":"Yeah.","start":30.859999,"end":31.099998,"sentiment":"neutral","sentiment_score":-0.0007558241486549377},{"text":"We sent you another email that had","start":31.099998,"end":33.1,"sentiment":"neutral","sentiment_score":-0.015183862431773118}],"sentiment":"neutral","sentiment_score":-0.010316809724000368,"channel":0,"num_words":11,"start":29.98,"end":33.1},{"sentences":[{"text":"Oh,","start":32.98,"end":33.48,"sentiment":"neutral","sentiment_score":-0.03253919258713722}],"sentiment":"neutral","sentiment_score":-0.03253919258713722,"channel":1,"num_words":1,"start":32.98,"end":33.48},{"sentences":[{"text":"the quotes attached.","start":33.1,"end":34.32,"sentiment":"neutral","sentiment_score":-0.03281299024820328},{"text":"Did you not get that one","start":34.379997,"end":36.079998,"sentiment":"neutral","sentiment_score":-0.07833049073815346}],"sentiment":"neutral","sentiment_score":-0.06315799057483673,"channel":0,"num_words":9,"start":33.1,"end":36.079998},{"sentences":[{"text":"no.","start":35.86,"end":36.36,"sentiment":"neutral","sentiment_score":-0.0984620749950409}],"sentiment":"neutral","sentiment_score":-0.0984620749950409,"channel":1,"num_words":1,"start":35.86,"end":36.36},{"sentences":[{"text":"yet?","start":36.379997,"end":36.699997,"sentiment":"neutral","sentiment_score":-0.08566409349441528},{"text":"Or 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through.","start":43.405,"end":45.745,"sentiment":"neutral","sentiment_score":-0.20876934379339218}],"sentiment":"neutral","sentiment_score":-0.04457885330473935,"channel":0,"num_words":27,"start":37.899998,"end":45.745},{"sentences":[{"text":"Yeah.","start":45.735,"end":46.135002,"sentiment":"neutral","sentiment_score":-0.033582206815481186},{"text":"No.","start":46.135002,"end":46.455,"sentiment":"neutral","sentiment_score":-0.10802067071199416},{"text":"I'm I'm just, like, looking now.","start":46.455,"end":48.775,"sentiment":"neutral","sentiment_score":-0.0893818624317646},{"text":"I've got your email, I don't know, saying thirteen days ago.","start":48.775,"end":52.875,"sentiment":"neutral","sentiment_score":-0.08106941120191054}],"sentiment":"neutral","sentiment_score":-0.08261355659679363,"channel":1,"num_words":19,"start":45.735,"end":52.875},{"sentences":[{"text":"Yeah.","start":53.565,"end":54.065,"sentiment":"neutral","sentiment_score":-0.04619733244180679}],"sentiment":"neutral","sentiment_score":-0.04619733244180679,"channel":0,"num_words":1,"start":53.565,"end":54.065},{"sentences":[{"text":"No.","start":54.260002,"end":54.420002,"sentiment":"neutral","sentiment_score":-0.10633865743875504},{"text":"That was me responding.","start":54.420002,"end":55.64,"sentiment":"neutral","sentiment_score":-0.08765789493918419},{"text":"You sent me an email.","start":55.86,"end":57.16,"sentiment":"neutral","sentiment_score":-0.06496619656682015},{"text":"No.","start":57.300003,"end":57.800003,"sentiment":"neutral","sentiment_score":-0.11284253001213074},{"text":"Thirteen 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was sent the same day that I sent the other email to you.","start":78.615,"end":81.975,"sentiment":"neutral","sentiment_score":0.0006043280341795512},{"text":"There was two emails that was sent.","start":81.975,"end":83.579994,"sentiment":"neutral","sentiment_score":-0.012064133105533463},{"text":"One had the quote, which I just re forwarded through, and then the other one had just that follow-up there.","start":83.579994,"end":89.03999,"sentiment":"neutral","sentiment_score":-0.02124084495007992},{"text":"But","start":91.579994,"end":92.079994,"sentiment":"neutral","sentiment_score":-0.05887451022863388}],"sentiment":"neutral","sentiment_score":-0.013325708297391733,"channel":0,"num_words":42,"start":78.615,"end":92.079994},{"sentences":[{"text":"Oh, I can't k pop.","start":91.79,"end":93.09,"sentiment":"neutral","sentiment_score":-0.12748574316501618},{"text":"Oh my 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They also discuss the customer's health history and medical conditions before the age of 60. The agent provides information on coverage and premium renewal dates for life insurance and other types of insurances, and explains that the customer can claim for benefits if they pass away due to a disability. The conversation ends with the agent thanking the customer and reminding them to reach out if they have any further questions."},"intents":{"segments":[{"text":"That's honestly not an issue at all. Just trying to I also saved into your file here, so I should be able to bring them up fairly easily. Okay.","start_word":530,"end_word":558,"intents":[{"intent":"Resolve billing issue","confidence_score":0.0010105614}]},{"text":"So income we had so I have a look at your last tax plan we talked about as well. Because what's your income at the moment there? Including super?","start_word":682,"end_word":710,"intents":[{"intent":"Discuss income","confidence_score":0.0488639}]},{"text":"Because what's your income at the moment there? Including super?","start_word":701,"end_word":710,"intents":[{"intent":"Inquire about income","confidence_score":0.010295916}]},{"text":"So having a look at the last certificate of currency we have here, your current income protection policy has some insured of where are we? Income protection.","start_word":787,"end_word":813,"intents":[{"intent":"Discuss income protection policy","confidence_score":0.015440747}]},{"text":"So income protection can essentially cover up to 70% of your monthly income. So if we have a look at what you're on now, 70% of that 70,000 on a yearly basis, 7,000 means that we would need to have a monthly benefit amount of about 4,083. Having a look at part.","start_word":896,"end_word":947,"intents":[{"intent":"Discuss monthly benefit amount","confidence_score":0.14734946}]},{"text":"So the phone just sound like it was cutting out. It was beeping a little bit on me, so I've just taken my earphones out. Yes. Yes.","start_word":963,"end_word":989,"intents":[{"intent":"Explain phone issue","confidence_score":0.031065797}]},{"text":"So I'm actually just going to pop into Neos really quickly just to generate a real simple quote just to give you a bit of an idea of what this looks like.","start_word":1029,"end_word":1060,"intents":[{"intent":"Generate quote","confidence_score":0.6042571}]},{"text":"I will go back and just look at other insurers as well just to see if anyone else offers, you know, the policy cheaper in any way, shape, or form. I mean, there's nothing wrong with having another insurer with just the income protection, but they tend to offer what's called a multi policy discount. So if you have all three policies with the same insurer, they tend to then offer a bit of a discount. Yeah.","start_word":1175,"end_word":1251,"intents":[{"intent":"Discuss insurance policies","confidence_score":0.0005435501}]},{"text":"So we can I definitely wanna update the investments for you because there are some better performing investments out there that have done a bit Yes.","start_word":1377,"end_word":1402,"intents":[{"intent":"Update investments","confidence_score":0.8968763}]},{"text":"I'll essentially look at all of that together with the cost of the insurances and also then just, you know, show you as part of the advice document what that looks like, how that affects you, what the projected outcome over the next, you know, five to ten years looks like. That way, you've got an informed decision. You can see everything as a total. Does that make sense? Yeah. Yeah.","start_word":1414,"end_word":1484,"intents":[{"intent":"Discuss cost and future decisions","confidence_score":0.00008984526}]},{"text":"And what's your job at the moment? What do you do?","start_word":1502,"end_word":1512,"intents":[{"intent":"Determine job preferences","confidence_score":0.000625901},{"intent":"Ask about job role","confidence_score":0.0023217201},{"intent":"Confirm job role","confidence_score":0.0050348765},{"intent":"Ask about job role","confidence_score":0.0048401537},{"intent":"Inquire about company's job","confidence_score":0.000068165835},{"intent":"Clarify job job requirements","confidence_score":0.00016965283}]},{"text":"And 03/09/1977 is your date of birth. That's beautiful.","start_word":1558,"end_word":1566,"intents":[{"intent":"Confirm age and health","confidence_score":0.00003393939},{"intent":"Confirm date of birth","confidence_score":0.074537314},{"intent":"Provide personal information","confidence_score":0.0018288454},{"intent":"Request caller's date of birth","confidence_score":0.00005250134},{"intent":"Provide employer's date of birth","confidence_score":0.0003648001}]},{"text":"Now we have a couple of options. One of them is the as a waiting period. This is how long you need to be off work before you can make a claim.","start_word":1604,"end_word":1635,"intents":[{"intent":"Show guidance on investment options","confidence_score":0.0003166932}]},{"text":"Now we have a couple of options. One of them is the as a waiting period. This is how long you need to be off work before you can make a claim. Realistically, having a shorter benefit waiting period, sorry, is more preferable because you don't have to wait Yes.","start_word":1604,"end_word":1653,"intents":[{"intent":"Provide information on waiting period","confidence_score":0.025935184},{"intent":"Discuss benefit waiting period","confidence_score":0.0174484}]},{"text":"They allow these from about four weeks. So if I choose the lowest waiting period for you and we just look at a two year benefit period, the benefit period is how long you can be on a claim for. So say if you were, you know, to break your leg and not be able to go to work, Yes. you can be on a claim for up to two years.","start_word":1661,"end_word":1731,"intents":[{"intent":"Discuss benefits for claimability","confidence_score":0.0000053037234}]},{"text":"claim continues past two years and you still can't go back to work, the insurer stops paying when that benefit period stops at two years, and we just have to find another way to cover expenses. That is the cheapest option.","start_word":1735,"end_word":1775,"intents":[{"intent":"Provide insurance","confidence_score":0.08239871}]},{"text":"So if you like, what I could do is I'll go back. I'll review all the other insurers out there as well as this one. I can make a recommendation on that income protection policy for you. I'll add it into the advice document with the change of the with the change of the investments and show you how this affects you over the next couple of years.","start_word":1973,"end_word":2040,"intents":[{"intent":"Review insurers","confidence_score":0.40034854}]},{"text":"So the level of cover you have now, you might not need that much cover next year or the year after, so we might be able to reduce that back.","start_word":2058,"end_word":2087,"intents":[{"intent":"Reduce costs","confidence_score":0.20284308}]},{"text":"You also don't need the insurances past the age of 60 with the income protection side of things. So we could definitely look at, you know, reducing that back down the track.","start_word":2089,"end_word":2120,"intents":[{"intent":"Reducing insurance coverage","confidence_score":0.0671922}]},{"text":"We would only realistically need to hold this cover for the next sort of ten years.","start_word":2257,"end_word":2272,"intents":[{"intent":"Keeping super super for future","confidence_score":0.000009967558}]},{"text":"So we would review the level of cover you have if you find it's too much, it's not working, you don't want it anymore, we can always cancel it. It is absolutely fine. Yeah.","start_word":2318,"end_word":2351,"intents":[{"intent":"Reviewing coverage level","confidence_score":0.06153941}]},{"text":"So the fun the fun thing about insurances is, you know, if there's any preexisting conditions, they generally won't cover you for them.","start_word":2670,"end_word":2692,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.41019073}]},{"text":"If they're fairly recent or ongoing, they're more likely to exclude those from the policy, so you can't claim on those sort of things. And that's because the risk of you claiming is so much higher. They like to, you know, try to reduce the risk level as much as possible. Yes.","start_word":2777,"end_word":2828,"intents":[{"intent":"Evaluate benefits","confidence_score":0.0018391159}]},{"text":"On, say, a weekly or fortnightly or even a monthly basis, would you drink alcohol?","start_word":3746,"end_word":3760,"intents":[{"intent":"Evaluate alcohol consumption","confidence_score":0.10369792}]},{"text":"Any disease of your eyes or ears? No. No.","start_word":4152,"end_word":4160,"intents":[{"intent":"Check health conditions","confidence_score":0.023083964}]},{"text":"My dad has diabetes, but he's he's just recently been diagnosed. He's, like, 78. No. That's okay. That would've very recent would be after 60, so that's absolutely And fine. he's just on medication. He's just on tablets. Yep.","start_word":4412,"end_word":4450,"intents":[{"intent":"Discuss medical condition","confidence_score":0.0069205374}]},{"text":"he's just on medication. He's just on tablets.","start_word":4442,"end_word":4449,"intents":[{"intent":"Discuss medical treatment","confidence_score":0.0013110663}]},{"text":"he's just on medication. He's just on tablets. Yep.","start_word":4442,"end_word":4450,"intents":[{"intent":"Describe medical condition","confidence_score":0.00040003596}]},{"text":"So it's really good, and he's doing really well with it. Yeah. Yeah.","start_word":4461,"end_word":4473,"intents":[{"intent":"Express gratitude","confidence_score":0.18401207}]},{"text":"But dad did have a cancer, lung cancer. Yep.","start_word":4523,"end_word":4531,"intents":[{"intent":"Discuss cancer diagnosis","confidence_score":0.10028052}]},{"text":"When was he diagnosed? You know?","start_word":4532,"end_word":4537,"intents":[{"intent":"Discuss diagnosis","confidence_score":0.0015848838}]},{"text":"It's all good now, though. Yeah.","start_word":4731,"end_word":4736,"intents":[{"intent":"Assess health and wellness","confidence_score":0.00017999142}]},{"text":"I'll look at Neos as we have today, but I'll also look at any other insurers and try to make the insurance costs as cheap as possible for you while still making sure you have that level of cover that you're after. Is that okay? Yeah.","start_word":4960,"end_word":5005,"intents":[{"intent":"Educate about insurance cost","confidence_score":0.0000024068659}]},{"text":"What's the latest you can you can call me? Or So I work until 06:00 Monday, Tuesday, Wednesday.","start_word":5222,"end_word":5239,"intents":[{"intent":"Schedule call","confidence_score":0.06820949}]},{"text":"I'll email you the document when I'm on the phone with you so then you can go through it with me. You can see all the pages, ask any questions that you have, and then you'll get some time afterwards to read it before you decide to take the advice or not. Okay? Alright.","start_word":5393,"end_word":5446,"intents":[{"intent":"Share documents","confidence_score":0.002326525}]},{"text":"We got to sort it all today for you, and, yeah, I've got a good base to get some advice done to update everything for you as well. Okay? Alright.","start_word":5854,"end_word":5883,"intents":[{"intent":"Provide advice on insurance coverage","confidence_score":0.09591528}]},{"text":"Oh, and, like, we've got with I'm just you know, I don't understand all this stuff properly, but I just want or I've got life insurance, ink action, my supers all working out. Yep. Yep.","start_word":5892,"end_word":5926,"intents":[{"intent":"Inquire about health insurance coverage","confidence_score":0.000063930675}]},{"text":"There are other types of insurances that you can have. The three main that you can pay for in super are life, TBD, and income protection. There are other insurances that you can hold, like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a large traumatic condition like cancer, Parkinson's.","start_word":5938,"end_word":5993,"intents":[{"intent":"Explain health insurance coverage","confidence_score":0.002252949}]},{"text":"It is an out of pocket cost, So a lot of people don't really wanna hold or have trauma because they have to pay for that out of their back pocket.","start_word":6000,"end_word":6030,"intents":[{"intent":"Explain cost of insurances","confidence_score":0.0025854982}]},{"text":"So What TBD is is total permanent disability. It pays I out in the event yes. you're unable to ever go back to work again. Yeah.","start_word":6100,"end_word":6125,"intents":[{"intent":"Explain tdb's coverage","confidence_score":0.00001200006}]},{"text":"So from what I can see, the level of cover that we have here at the moment, this is the last policy schedule. Premium renewal date is around about the eleventh of the twenty fourth of the eleventh. So it kinda goes to renewal time every November. So the last renewal went through on November last year, and that essentially shows that your updated pre your updated sum insured for your life and TBD, you're currently covered for Mhmm.","start_word":6371,"end_word":6449,"intents":[{"intent":"Update policy information","confidence_score":0.06267795}]}]},"sentiments":{"segments":[{"text":"Good morning. This is Dana. Hey, Dana. It's Natalie. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.2804209291934967},{"text":"I'm good, Natalie. How are you today? I'm good. Thank you.","start_word":12,"end_word":22,"sentiment":"positive","sentiment_score":0.5761128067970276},{"text":"I just thought I'd, touch base with you. I know you sent me an email, and I took about a week and a half to get back to you. I think something like that. So I sent an email regarding our last conversation. Yeah. That'll Yeah. yeah. So I don't know. Did you get my email? I did. Yes. Yeah. We sent you another email that had Oh, the quotes attached. Did you not get that one no. yet? Or oh, No. okay. That's okay. I can pull them up real quick if you like and just run you through them. I do apologize that that didn't come through. Yeah. No. I'm I'm just, like, looking now. I've got your email, I don't know, saying thirteen days ago. Yeah. No. That was me responding. You sent me an email. No. Thirteen yeah. I responded really late. March No. That's the okay. March 5. You're And yeah. you were gonna That's send honestly quote, okay. Yep. But then I yeah. I haven't seen anything. Interesting. Because it definitely sent them through. I can see them in my sandbox, When but, did honestly, that's yeah. okay. When did you send it? It was sent the same day that I sent the other email to you. There was two emails that was sent. One had the quote, which I just re forwarded through, and then the other one had just that follow-up there. But Oh, I can't k pop. Oh my god. that's okay. You're honestly fine. Do not worry in any way, shape, or form. Look. What I'll do is I'll pull them up, and we'll have a bit of a quick chat if you've got a few minutes now. And Yeah. then you can let me know what you wanna do just so I can get things sorted for you. How does Yeah. that sound? Yeah.","start_word":23,"end_word":337,"sentiment":"neutral","sentiment_score":0.01022489093953655},{"text":"That Yeah. sounds good. Excellent. All good.","start_word":338,"end_word":344,"sentiment":"positive","sentiment_score":0.6148514747619629},{"text":"So I'll just pull them up real quick. So sorry. My computer's a little bit slow this morning. Well, good. I understand. I'm working from home too. It does my head in. Oh, yeah. I am through today. I did my back in on the weekend, so I was like, can I work? It's Oh. better to work from home. That way, I don't have to drive to the office. Oh, no. Yeah. Okay. So at the moment, just looking at your current policy there at the moment. So we were mostly just looking at the income protection side Yeah. Because I've got I've got of the life things, insurance. I Yeah. believe. You do. Yeah. Yeah. So Absolutely. it's really just the income protection that I need to get. Yeah. Just to be safe, Just you know, the with increasing. Yeah. Absolutely. So if I pull up the quote here, we've got these were done there we go. The third of the sixth twenty twenty six. Income protection.","start_word":345,"end_word":513,"sentiment":"neutral","sentiment_score":0.036442890763282776},{"text":"Beautiful.","start_word":514,"end_word":514,"sentiment":"positive","sentiment_score":0.36303457617759705},{"text":"Okay. I don't know if it's gone to my junk. What is it going to? That's honestly not an issue at all. Just trying to I also saved into your file here, so I should be able to bring them up fairly easily. Okay. Here we go. So income protection. Did you resend it now? Two. No. No. Oh, okay. Has something come through? Or No. Nothing's come through. no? I'm just gonna That's go really back to interesting. the did you did you That's just it. send it or not? No. No. No. No. Sent it a couple of weeks back, but, honestly June 0 June 3, did you send it? yeah. That sounds about familiar because when was this last one yeah. The last I'm one was on June 3 as well. So I sent both those emails on June 3. so confused. It's okay. Honestly, it's not a problem at all. So, essentially, just having a look at where we are at the moment. So income we had so I have a look at your last tax plan we talked about as well. Because what's your income at the moment there? Including super? Yeah. Around 70? About 70,000? Okay. All good. So, realistically Yes. so Not the 70 best paying thousand. job, which Oh, I'm trying to that's find okay. something else. Are you? Yeah. Yeah. It's No. just That's yeah.","start_word":515,"end_word":748,"sentiment":"neutral","sentiment_score":-0.0005302147732840644},{"text":"Not enough money.","start_word":749,"end_word":751,"sentiment":"negative","sentiment_score":-0.4044132232666016},{"text":"Gosh. no.","start_word":752,"end_word":753,"sentiment":"neutral","sentiment_score":-0.2439504116773605},{"text":"It's just amazing that living expenses have just gone up so Yeah. much. The cost of everything is just horrendous at the moment, so it does make it very, very difficult.","start_word":754,"end_word":784,"sentiment":"negative","sentiment_score":-0.5045316815376282},{"text":"Yeah. Okay. So having a look at the last certificate of currency we have here, your current income protection policy has some insured of where are we? Income protection. Oh, it doesn't have it at all. So at the moment, you've only got the life and TBD. Perfect. So sorry. Now I have everything in front of me here. So you Yes. don't have any income protection at the moment. You've only got the the life and the TPD covered there. So what we were sort of talking about when I go back over my notes, I do apologize, essentially looking at trying to get some income protection to cover you. So income protection can essentially cover up to 70% of your monthly income. So if we have a look at what you're on now, 70% of that 70,000 on a yearly basis, 7,000 means that we would need to have a monthly benefit amount of about 4,083. Having a look at part. Oh, my earphones are all black. Can you hear me okay, Natalie? Yes. Yeah. Beautiful. So the phone just sound like it was cutting out. It was beeping a little bit on me, so I've just taken my earphones out. Yes. Yes. So the income we had on the last of the quotes was actually about 65,900.","start_word":785,"end_word":1004,"sentiment":"neutral","sentiment_score":-0.04195480048656464},{"text":"So your income's definitely gone up from when we spoke last time, which is good. That means you've had an increase. That's fantastic. Yes.","start_word":1005,"end_word":1028,"sentiment":"positive","sentiment_score":0.39628899469971657},{"text":"So I'm actually just going to pop into Neos really quickly just to generate a real simple quote just to give you a bit of an idea of what this looks like. And And like then I if said, you want Dana, you yeah. know, I I I don't want, you know, like, I don't know, like, the fees and that to eat my super. Do you know what I mean? Absolutely. Yeah. Of course. Definitely. Yeah. So so confusing to me. Definitely. No. Understandable. So what I can do is I can I'm jumping into Neos now just to have a really quick look at adding the income protection onto your policy to look at what that might So cost it'll be wise. it'll be through Neos? Yeah. So we'll Yes. probably look to just add the policy with the current insurer you have. Yeah. I will go back and just look at other insurers as well just to see if anyone else offers, you know, the policy cheaper in any way, shape, or form. I mean, there's nothing wrong with having another insurer with just the income protection, but they tend to offer what's called a multi policy discount. So if you have all three policies with the same insurer, they tend to then offer a bit of a discount. Yeah. So it Yeah. does kinda work out a bit cheaper that way, Yes. but this is just this system is just great today. It's not Yeah. working for me at all. I love technology when it wants to work for. Oh, god. I don't know. I'm just gonna do a brand new quote just to have a look at the income protection. But what I can do is once we kind of have this quote and I go back and just have a look at everything alongside, you know, your current insurances, look at what your your super has been doing, I'm also reviewing I also did some research and had a look at the investments and how they're structured for you as well. So we can I definitely wanna update the investments for you because there are some better performing investments out there that have done a bit Yes.","start_word":1029,"end_word":1401,"sentiment":"neutral","sentiment_score":0.07028771322669995},{"text":"better that could put you in a much better position?","start_word":1402,"end_word":1411,"sentiment":"positive","sentiment_score":0.43982744216918945},{"text":"So Yes. I'll essentially look at all of that together with the cost of the insurances and also then just, you know, show you as part of the advice document what that looks like, how that affects you, what the projected outcome over the next, you know, five to ten years looks like. That way, you've got an informed decision. You can see everything as a total. Does that make sense? Yeah. Yeah. Yep. Yeah. Beautiful. Are you a smoker or nonsmoker? I am a snoek ha. Smoker? Okay. Beautiful. And what's your job at the moment? What do you do? I'm a hardship officer. Hard. So So more of an admin worker. Yeah. Beautiful. I'll put it down as an office only. You don't sort of do a lot of out in the field work, credit. do you? No. No. No. No. Beautiful. Beautiful. Okay. And 03/09/1977 is your date of birth. That's beautiful. Yes. So looking at income protection, based on income of 70,000, It gives us a monthly sum insured of $4.00 $8.","start_word":1412,"end_word":1587,"sentiment":"neutral","sentiment_score":0.10073863714933395},{"text":"03, which is great. Paid out a super to make it more cost effective for you.","start_word":1587,"end_word":1602,"sentiment":"positive","sentiment_score":0.3536003530025482},{"text":"Yes. Now we have a couple of options. One of them is the as a waiting period. This is how long you need to be off work before you can make a claim. Realistically, having a shorter benefit waiting period, sorry, is more preferable because you don't have to wait Yes. as long to make a claim. Yes. They allow these from about four weeks. So if I choose the lowest waiting period for you and we just look at a two year benefit period, the benefit period is how long you can be on a claim for. So say if you were, you know, to break your leg and not be able to go to work, Yes. you can be on a claim for up to two years. If that Okay. claim continues past two years and you still can't go back to work, the insurer stops paying when that benefit period stops at two years, and we just have to find another way to cover expenses.","start_word":1603,"end_word":1770,"sentiment":"neutral","sentiment_score":0.006243136711418629},{"text":"That is the cheapest option.","start_word":1771,"end_word":1775,"sentiment":"positive","sentiment_score":0.41495126485824585},{"text":"It is showing per year. I'm gonna make it yes. So per year, it'd be about $1,534. So Mhmm. $1,534 on top of your current insurances. If you go for a five year benefit period, it's about 2,117. So it adds between 1,500 to 2,000 on top of your current cover to have that income protection policy there. Yeah. Okay. What's your what's your thoughts? Honestly, I think, you know, it's about making sure that you do have a level of cover that is supporting you. You know, the risk of given your circumstances, you know, having a look at the fine here and your circumstances, having a bit of income protection to fall back on is by no means a bad thing. I No. think it does just provide you with a little bit of extra cover in the event that something was to happen. Yeah. Because the biggest thing is if you were off work, you've kinda got nothing much to fall back on. So That's alright. it's And about I'm on just my making own. sure you I've can claim. I've got That's exactly right. Yeah. no got no other income. Yeah. Absolutely. Yeah. So if you like, what I could do is I'll go back. I'll review all the other insurers out there as well as this one. I can make a recommendation on that income protection policy for you. I'll add it into the advice document with the change of the with the change of the investments and show you how this affects you over the next couple of years. What this also does is we also, you know, want to make sure that this is reviewed. So the level of cover you have now, you might not need that much cover next year or the year after, so we might be able to reduce that back. You also don't need the insurances past the age of 60 with the income protection side of things. So we could definitely look at, you know, reducing that back down the track. It's more just making What do sure you you've mean? got that cover Both now. by the age Yeah. of 60? Well, when you turn 60, if you're unable to work, you axe you can access your super. So the earliest we're able to access super under legislation at the moment is if we turn 60 and stop working, so fully retired. So that means if you, you know, break your leg or you break your back, you know, unable to work after 60, you've met that condition of release. So, theoretically, beyond the age of 60, we don't really need to worry about income protection because we can use our super if we need to to draw down income or to cover expenses if we're not able to work.","start_word":1776,"end_word":2249,"sentiment":"neutral","sentiment_score":0.10126743866484376},{"text":"So that is that is a benefit.","start_word":2250,"end_word":2256,"sentiment":"positive","sentiment_score":0.40333080291748047},{"text":"We would only realistically need to hold this cover for the next sort of ten years.","start_word":2257,"end_word":2272,"sentiment":"neutral","sentiment_score":0.012425215914845468},{"text":"The downside to income protection is it does get more expensive. These premiums start cheaper now, and then as you get older, because the risk of you claiming increases and income protection's the first cover that most people claim on, it does get very expensive.","start_word":2273,"end_word":2317,"sentiment":"negative","sentiment_score":-0.5049844980239868},{"text":"So we would review the level of cover you have if you find it's too much, it's not working, you don't want it anymore, we can always cancel it. It is absolutely fine. Yeah. But I'd And probably do be I more do yeah. do Sorry. I do these reviews with you for the income Yep. protection and life insurance, all that? Yep. It's all from Absolutely. you? Yeah. Yep. I'll do all that with you. All of you you see for annual insurance, there's a level of cover you have, how things have been working, and just Okay. review that every year. We'll even do a catch up once every six months if you like just to see how things tracking Yes. for you as well. Yeah. Yes, Absolutely. please. So Yep. which one should I go for? The two year or the five year? Honestly Two year? yeah. So, realistically, most claims 90% of claims are dealt with within the first two years. So there's nothing wrong with a two year benefit period as long as you're comfortable with the risk that if something happened drastic, I'm like, just you know, thinking you were about I'm yeah. a You're smoke right. and things like that, you know. Yeah. Just, you know, I don't I don't wanna get sick, but No.","start_word":2318,"end_word":2539,"sentiment":"neutral","sentiment_score":-0.011460972303809883},{"text":"I really wanna stop.","start_word":2540,"end_word":2543,"sentiment":"negative","sentiment_score":-0.39429277181625366},{"text":"Yeah. No. That's okay. I also just I'm having a quick look back at your last file as well. So just sort of looking at when we last would have done a pre assessment with you, it doesn't look like we have done one in the past. Can I do a quick pre assessment with you as well just to see if there would be any exclusions or loadings that might be added to the policy as well? Yeah. Yep. Yep. Yep.","start_word":2544,"end_word":2625,"sentiment":"neutral","sentiment_score":0.023597585037350655},{"text":"Beautiful.","start_word":2626,"end_word":2626,"sentiment":"positive","sentiment_score":0.5372549891471863},{"text":"I'm just pulling up the document. Pre assessment. There we go.","start_word":2627,"end_word":2637,"sentiment":"neutral","sentiment_score":0.24986544251441956},{"text":"Beautiful.","start_word":2638,"end_word":2638,"sentiment":"positive","sentiment_score":0.46262580156326294},{"text":"So this is just a bit of a a lifestyle and medical questionnaire. This kinda gives me an idea of what might be offered, what exclusions might be on the policy. So the fun the fun thing about insurances is, you know, if there's any preexisting conditions, they generally won't cover you for them. So it's the same thing if you had your car insurance and, you know, you went to there was a storm coming. We can't call the insurance and say, hey. There's a storm on its way. I wanna protect my car against hail damage.","start_word":2639,"end_word":2736,"sentiment":"neutral","sentiment_score":-0.060085978358983994},{"text":"They won't do it.","start_word":2737,"end_word":2740,"sentiment":"negative","sentiment_score":-0.3459288775920868},{"text":"It's preexisting.","start_word":2741,"end_word":2742,"sentiment":"neutral","sentiment_score":-0.2413745075464249},{"text":"It's or the risk is already there, and the likelihood of claiming is much higher.","start_word":2743,"end_word":2757,"sentiment":"negative","sentiment_score":-0.3456016480922699},{"text":"So the same thing happens, you know, if we've had back injuries or knee injuries in the past. If they're fairly recent or ongoing, they're more likely to exclude those from the policy, so you can't claim on those sort of things. And that's because the risk of you claiming is so much higher. They like to, you know, try to reduce the risk level as much as possible. Yes. But I'll run through these with you just to kinda get an idea of how everything looks. Now a couple of bizarre questions to begin. Have you ever been on a part nine debt agreement or bankrupt?","start_word":2758,"end_word":2864,"sentiment":"neutral","sentiment_score":-0.11509201076821746},{"text":"Beautiful. Excellent.","start_word":2865,"end_word":2866,"sentiment":"positive","sentiment_score":0.43590062856674194},{"text":"Do you have any qualifications for your role? Have you been to uni or got any degrees No. or qualifications? No. Nope. No. That's okay. Not a problem at all. Now would you say that your duties are a 100% administration or a bit less? No. Probably 100%. Yeah. 100%? Yep. Beautiful. Yep. Do you do any domestic travel for work? No. Nope. That's okay. You probably wouldn't do any hazardous activities going underground or using explosives No. or anything crazy as part of your role. Do you intend to change your occupation within the next twelve months? No. Right. Beautiful. Do you have a secondary job? Yes. I do. Yep. What is it that you do as a secondary role? Yeah. On support carer support, like, for through for NDIS. Okay. I just do that once a week on a Saturday just for extra Yep. cash. So, Beautiful. yeah, just going in and, you know, assisting clients, you know, with home duties and their shopping and, you know, cleaning up and stuff like that for them. Okay. And, yeah, it's just Beautiful. the same clients, the same two Yep. clients that I do in Yep. that one day. Yeah. That's What would okay. I how could I say it? Where No. is my That's okay. It's more just a home duty. You're just providing assistance to clients once a week, and you do that every week? yeah. Every Saturday. Yep. Yep. And how Just, many you know, hours next. would you do each each Saturday? So at the moment, it is six hours. Six hours. Beautiful. With this one here, they may change the occupation rating of it because you do do some in home assistance for a client. So that may add a little bit of risk to the policy, and so just in admin workers, so it may increase the cost of things. I will go back as part of the advice, and I will have a look at the the contracts offered and see what that look like. And I'll add all of this into the advice document for you so you can read it and see it all in writing. Is that okay? Yeah. Yeah. Yep. Beautiful. Do you have any plans to travel overseas or an overseas travel booked in the next twelve months at all? Yeah. I do, actually, in July. Yeah. Nice. Whereabouts are you heading to? Going to Singapore. Oh, nice. Yeah.","start_word":2867,"end_word":3277,"sentiment":"neutral","sentiment_score":0.023798114658670995},{"text":"I've had it's beautiful. Just family family holiday with my sister and the kids and mom Oh, and dad.","start_word":3278,"end_word":3296,"sentiment":"positive","sentiment_score":0.40022942423820496},{"text":"nice. Yeah. So Lovely. just a And break. how long will you be there for? Oh, a couple of weeks. Two weeks. Two weeks. Beautiful.","start_word":3297,"end_word":3321,"sentiment":"neutral","sentiment_score":0.07665897905826569},{"text":"Oh, well, you enjoy that. That sounds amazing.","start_word":3322,"end_word":3329,"sentiment":"positive","sentiment_score":0.444552481174469},{"text":"Yep. Need What date a break. are you leaving? July 17 July So 17. the fifth Beautiful. of August. Yep. Beautiful.","start_word":3330,"end_word":3350,"sentiment":"neutral","sentiment_score":0.046937260776758194},{"text":"Thank you for that.","start_word":3351,"end_word":3354,"sentiment":"positive","sentiment_score":0.4382919371128082},{"text":"Excellent. Do you participate or play in any hobbies or pastimes or sports? Oh, no. Just the gym. Just the gym. Beautiful. And how often do you go? Probably try to get there four days a week. Four days a week. Beautiful. Excellent. Yeah. Just And you've our health, our work and stuff. Yeah. yeah. Understandable. And you've confirmed that you are a smoker as well? Yeah. Yep. How many would you say you would have smokes on a daily basis? Oh, probably eight to 10. Eight to 10. Yep. Depending Yeah. on the day and how stressful it is. Yes. Yes. I was a lot of that with my work and that, you know, you hear Yeah. a lot of stories, people, DB, and crazy, Difficult. you know, listening to people's lives. And, yeah, sometimes it just gets overwhelming sometimes. Absolutely. But yeah. Yeah. But I No. just Of think course. to myself, you know, like, I'm not in anything like that, but there's people out there in a worse position, you know, when you feel down with yourself and you just think, you know, pick yourself up, you know, there's other people out there that are going through so much more, like Yeah. Yeah. but yeah. Yeah. No. It's a lot to to have to to listen to. I I completely understand, but you always try to take with a grain of salt. But, you know, sometimes it's just hard to take on a lot of the stress that people are feeling and, you know, Yeah. it it's difficult. No. I completely understand. It's part of our job. We listen to a lot of, you know, what's happening in people's lives and really try to understand a lot of hardship and things like that, and it's it's definitely not easy. You tend to wanna you you tend to empathize and sympathize a lot with people and Yes. start to take on a lot of those feelings, and sometimes it just sits with you. So I absolutely understand. Yeah. Yeah. Yep. The next one here is, have you ever taken any illicit drugs? No.","start_word":3355,"end_word":3709,"sentiment":"neutral","sentiment_score":-0.07946616844077345},{"text":"Beautiful.","start_word":3710,"end_word":3710,"sentiment":"positive","sentiment_score":0.3741828203201294},{"text":"Love that. What is notification. Yeah. Panadol. Oh, no. No. That's okay. People It's more just looking at, you yeah. know, have you No. had marijuana, cocaine, meth, things like that. No. No. All good. On, say, a weekly or fortnightly or even a monthly basis, would you drink alcohol? And if so, how many would you have? It's just yeah. That's just random. Yep. What do you mean in a month? Oh, yeah. They ask on a weekly basis, but if you don't Oh. drink every week, if you would average it out on a monthly basis, that's absolutely I don't know. Probably two, three drinks for a fine. month. Per per month? Yep.","start_word":3711,"end_word":3825,"sentiment":"neutral","sentiment_score":-0.005453823215287664},{"text":"Beautiful. Excellent.","start_word":3826,"end_word":3827,"sentiment":"positive","sentiment_score":0.5483831763267517},{"text":"And do you know roughly what your height and weight would be? I'm quite short. Yep. No. I don't know my height at all. I don't know. Five five five. Yep. I don't know. Two. I don't know. Five five. That's okay. What do you think your weight might sort of be roughly? Probably around between seventy, seventy five. Three seventy five. Yep.","start_word":3828,"end_word":3890,"sentiment":"neutral","sentiment_score":-0.023063289001584053},{"text":"Perfect.","start_word":3891,"end_word":3891,"sentiment":"positive","sentiment_score":0.36054727435112},{"text":"Let Thank me say, you. I haven't weighed myself in ages. Yep. Yeah.","start_word":3892,"end_word":3904,"sentiment":"neutral","sentiment_score":0.14176703989505768},{"text":"That's absolutely fine.","start_word":3905,"end_word":3907,"sentiment":"positive","sentiment_score":0.34315118193626404},{"text":"So we'll say five point five, and then weight is about seventy five.","start_word":3908,"end_word":3920,"sentiment":"neutral","sentiment_score":0.17166821658611298},{"text":"Excellent.","start_word":3921,"end_word":3921,"sentiment":"positive","sentiment_score":0.4888015687465668},{"text":"And have you lost any large sums of weight to say more than 10 kilos over the past twelve months? No. I wish. No. So do I. There we go.","start_word":3922,"end_word":3951,"sentiment":"neutral","sentiment_score":0.07929477840662003},{"text":"Excellent.","start_word":3952,"end_word":3952,"sentiment":"positive","sentiment_score":0.420338898897171},{"text":"The next one here is just asking so, actually, I don't need to worry about those ones, so it's okay. The next one I hear are all of them, your medical history. So just kind of, you know, looking back and has any have you been diagnosed with or sought treatment for any of the below? Is this the list? So I'll just run through the list. If you can just Yes. say yes or no. Some of them are a bit deep, and I'm very, very sorry. I'll go very simple very easily on these ones. Okay. Mhmm. Mhmm. The first one here is stress, anxiety, depression, or any mental health disorders. No. No. Excellent. Any skin cancers, tumors, lesions, cysts, or moles? No. Nope. Any back or neck pain, any sciatica, spondylitis, any pain with the ligaments, tendons, any injuries around those areas, gout or arthritis? No. No. Beautiful. Any sciatica, spondylitis, or other back and neck problems? Nope. No. Any HIV, hep b, or c? Nope. Nope. Any blood conditions. Nope. Nope. Any previous surgeries over the past one to two or three years. Nope. Nope. Any cancers. Nope. Any asthma or respiratory conditions? Yep. No. Any disease of your eyes or ears? No. No. Any high blood pressure or high cholesterol? No. Any skin conditions or diabetes? Nope. Any thyroid conditions? Nope. Or anything else in this list we haven't touched on? Nope. No. Beautiful.","start_word":3953,"end_word":4191,"sentiment":"neutral","sentiment_score":-0.028789636924488778},{"text":"I love that.","start_word":4192,"end_word":4194,"sentiment":"positive","sentiment_score":0.49886590242385864},{"text":"No for everything. The next one here is have you ever had or have you had any abnormal pap smears? No. No. Fantastic. Any abnormal vaginal bleeding in the last twelve months at all? Nope. And do you have mammograms at the moment? No. I haven't had one yet. I haven't had one yet. That's okay.","start_word":4195,"end_word":4250,"sentiment":"neutral","sentiment_score":-0.06241549551486969},{"text":"Beautiful.","start_word":4251,"end_word":4251,"sentiment":"positive","sentiment_score":0.3669512271881103},{"text":"It's really good that you've said no to all of those. Mhmm. The next couple are just family history. So have any of your immediate family, so your mother, father, brother, or sister, been diagnosed with or suffered any of the following before the age of 60? So after 60, they're not worried just before the age of 60. 60. Has anyone had suffered or been diagnosed with a heart attack, heart disease, or stroke? No. No. Muscular sorry. Multiple sclerosis, Parkinson's, or Alzheimer's? No. Muscular dystrophy, Huntington's motor neurone disease, any bowel cancer, No. No. melanomas, No. And this is before the August, did you say? Before the age of 60. Six zero. Six Yeah. six. Okay. Yep. No. Yep. All good. Any polycystic kidney disease? No. Nope. Any breast or ovarian cancer? Nope. Any mental health conditions? Nope. Any cardiomyopathy? What does that mean? Is it around the heart, the heart conditions? Oh, no. Nope. Lovely. Any diabetes? My dad has diabetes, but he's he's just recently been diagnosed. He's, like, 78. No. That's okay. That would've very recent would be after 60, so that's absolutely And fine. he's just on medication. He's just on tablets. Yep. He's not on insulin or anything like that. Okay.","start_word":4252,"end_word":4459,"sentiment":"neutral","sentiment_score":-0.02607277177202587},{"text":"Perfect. So it's really good, and he's doing really well with it.","start_word":4460,"end_word":4471,"sentiment":"positive","sentiment_score":0.6547242403030396},{"text":"Yeah. Yeah. You know, That's they good. just got back on a from a cruise, but yeah.","start_word":4472,"end_word":4488,"sentiment":"neutral","sentiment_score":0.1902018636465073},{"text":"Oh, You know, that's 80 beautiful.","start_word":4489,"end_word":4494,"sentiment":"positive","sentiment_score":0.40830501914024353},{"text":"two and now they're walking, both of them. Yeah.","start_word":4495,"end_word":4503,"sentiment":"neutral","sentiment_score":0.2803269326686859},{"text":"Oh, I'm glad they're doing really well and getting out there and enjoying their life. That's really important.","start_word":4504,"end_word":4521,"sentiment":"positive","sentiment_score":0.5891751646995544},{"text":"Yes. But dad did have a cancer, lung cancer. Yep. When was he diagnosed? You know? Oh, it was probably three years ago, and he's Also, had a after the yes. After yeah. he turned 60. Yeah. Yep. No. That's that's Yeah. Really okay. nothing. They won't worry too much about that, which is good, but I'm glad that he went through that and come out the other side, and he's having Yeah. those regular checkups. He's doing his regular checkups and and never smoked. Oh, good Both stuff. my parents don't smoke. Isn't that ironic? Wow. Both my my brother my older brother and me were smokers, Yeah. and both of them never smoked in their lives. Wow. And he ended And they up go with there. this carcinoid tumor. So, Wow. yeah, he had to have it removed, and he's never had an operation in his life. No. So, Wow. yeah, really knocked him for about twelve twelve months. Yeah. And he's blocking a bit of a depression and but, yeah, Of he's course. come good now. Like, he's back to Yeah. himself and but, yeah, pretty scary. Yeah. Of course. So your dad, you know, your mom Yeah. Absolutely. going through all that. So yeah. No. It's all good now, though. Yeah.","start_word":4522,"end_word":4736,"sentiment":"neutral","sentiment_score":-0.00971761345430169},{"text":"Oh, really good. That's really good to hear. I'm so glad. Fantastic.","start_word":4737,"end_word":4748,"sentiment":"positive","sentiment_score":0.5929410457611084},{"text":"The last one on that list is any other conditions that they would have been diagnosed with or suffered from before the age of 60 that we haven't got on that list. I just think mom had some arthritis. Okay. I don't know if it was before 60. She's 71. Yep. Arthritis and osteo. Okay. She goes for, you know, the bone density tests and all that stuff. She's Yep. got pretty bad osteoporosis. Okay. That's the In only a thing bit of I pain. know. Yeah. No. Yeah. That's absolutely that's absolutely okay.","start_word":4749,"end_word":4842,"sentiment":"neutral","sentiment_score":-0.014375092461705208},{"text":"Thank you so much for that.","start_word":4843,"end_word":4848,"sentiment":"positive","sentiment_score":0.5021470785140991},{"text":"That is essentially the entire preassessment. Look. The good news is there is nothing that's really flagging that might be an issue. The only thing I can sort of see here is they may change. So with the quote that we had drawn up, that was looking at you being a 100% administration worker, whereas they may assess it more as, like a support worker, which is a little bit more of a risky occupation and can affect the premium slightly. But what I'll do is I'll go back and have a look at the premiums as what they're gonna probably offer based on that. I'll check with the insurers directly. I'll look at Neos as we have today, but I'll also look at any other insurers and try to make the insurance costs as cheap as possible for you while still making sure you have that level of cover that you're after. Is that okay? Yeah.","start_word":4849,"end_word":5005,"sentiment":"neutral","sentiment_score":0.027297163382172585},{"text":"That's great, Jane. Beautiful.","start_word":5006,"end_word":5009,"sentiment":"positive","sentiment_score":0.5166657567024231},{"text":"And I'll update the advice document to show what we're gonna do with the investments to make sure things are working harder for you down the track and also looking at the insurances.","start_word":5010,"end_word":5042,"sentiment":"neutral","sentiment_score":0.13773421943187714},{"text":"So you can see everything nice and clear in writing. We'll go through the advice document together, and then you'll also get to take that back and have a really good read of it and let me know whether you're happy to take the recommendations or not. Does that sound okay? Yeah. That's good. So you'll send all these through?","start_word":5043,"end_word":5102,"sentiment":"positive","sentiment_score":0.5771704316139221},{"text":"Yeah. So let's book in a time now. I've got most of the research all completed. I just need to follow-up on the insurance side of things. So I'll just go into my calendar. I can have it all ready to go in around about two weeks just because it's the end of financial year. It's really busy at the moment with contributions. So that would put us on essentially the week of the Monday, June 29. What day suits you best that week do you think? Whatever day. Just yeah. Whatever suits Any you. day? I'll just yeah. Yep. I'll just That's okay. make some time. Absolutely. Did you want to make it sort of afternoon or morning? What's the latest you can you can call me? Or So I work until 06:00 Monday, Tuesday, Wednesday. Thursdays, I do actually work until 7PM, sometimes a bit later. I could do it Thursday night if you wanted. so let's go the Wednesday. That's my off Yep. day from gym Beautiful. and all of that. Yep. Can we go around five, five Absolutely. thirty? Yeah. Definitely. So Is if that I did you want 05:30? yeah. Let's go 05:30 just so I can Perfect. get up and then do a couple of things and get get Absolutely. in my car. Yeah. That's okay. I'll send a little email now just with the follow-up there just to let you know that booking time Mhmm. is being set.","start_word":5103,"end_word":5347,"sentiment":"neutral","sentiment_score":0.1268763542175293},{"text":"That's all good to go.","start_word":5348,"end_word":5352,"sentiment":"positive","sentiment_score":0.5323713421821594},{"text":"So that's Monday the sorry. Wednesday, July 1. That is crazy how fast this year is going. Yeah. Oh, no. Crazy. And that's at 05:30PM there for your statement of advice presentation.","start_word":5353,"end_word":5384,"sentiment":"neutral","sentiment_score":-0.05332265421748161},{"text":"I'll have that all ready to go. Yes.","start_word":5385,"end_word":5392,"sentiment":"positive","sentiment_score":0.4272029399871826},{"text":"I'll email you the document when I'm on the phone with you so then you can go through it with me. You can see all the pages, ask any questions that you have, and then you'll get some time afterwards to read it before you decide to take the advice or not. Okay? Alright. Yep. Yep.","start_word":5393,"end_word":5448,"sentiment":"neutral","sentiment_score":0.2179848849773407},{"text":"Okay. Cool. All good.","start_word":5449,"end_word":5452,"sentiment":"positive","sentiment_score":0.575788676738739},{"text":"Do you have any other questions, Yeah. anything? So that that Yeah. other stuff I was talking about, paying the money into my super and that, I think I'm just gonna Yeah. put it on my house loan Yeah. That's absolutely fine. just with the rates and stuff going up at the moment, and I think I better just put it on there. That's honestly not a problem at all. Yeah. Absolutely fine. It's something that I think we're all kinda looking at the moment, isn't it, how home loans Oh, and no. if they're gonna continue Yeah. going up. I know. They're just talking about it again. Yeah. And just the real stuff, you sent that stuff through to, Yep. I think. I I I got that stuff that day Okay. now Yep. that you sent me. So that's just the guide, is it, or who you you have recommended? So that's just essentially it's just an option of who we can utilize, we can refer you through to just to kind of start the conversation. I always like that little brochure that we send through just to kinda give you an idea of what the cost thing Yeah. might look like so you can Yeah. sort of see if that works within your budget. But it also kind of you know, if you've got a local solicitor, you can always go on to them and say, hey. What do you charge to do a will and a power of attorney? You know, what's Yeah. your costing I might look like? And just compare it. Yeah. yeah. I'm gonna yeah. Because my brother's got a couple of my both of my brothers have just done theirs. Yeah. I just wanted to look into theirs as well, but I'm gonna have a read through of Yep. that stuff while it you've Yep. sent. I've gotta get that done too. So yeah. Well, I just wanted to, yeah, let you know, like, yep.","start_word":5453,"end_word":5784,"sentiment":"neutral","sentiment_score":0.08299813320837825},{"text":"Thank you.","start_word":5785,"end_word":5786,"sentiment":"positive","sentiment_score":0.5708641409873962},{"text":"I appreciate No. the information. That's okay. I'm so sorry that last email didn't come through. I do apologize. I'll have to find it for my IT because I can see it Okay. sent. No. So I'll find it for my IT if there was an issue with it. Sorry about that. Unless I'm not looking right or I It's don't know. all okay. It's Yeah. okay.","start_word":5787,"end_word":5853,"sentiment":"neutral","sentiment_score":-0.08197835087776184},{"text":"We got to sort it all today for you, and, yeah, I've got a good base to get some advice done to update everything for you as well.","start_word":5854,"end_word":5881,"sentiment":"positive","sentiment_score":0.40471288561820984},{"text":"Okay?","start_word":5882,"end_word":5882,"sentiment":"neutral","sentiment_score":0.16647611558437347},{"text":"Alright. Perfect.","start_word":5883,"end_word":5884,"sentiment":"positive","sentiment_score":0.4388583302497864},{"text":"And Yeah. that's it and that's it. Oh, and, like, we've got with I'm just you know, I don't understand all this stuff properly, but I just want or I've got life insurance, ink action, my supers all working out. Yep. Yep. They're the three main things, isn't it? It is. Yeah. Look. There are other types of insurances that you can have. The three main that you can pay for in super are life, TBD, and income protection. There are other insurances that you can hold, like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a large traumatic condition like cancer, Parkinson's. Trauma, you can't hold inside super. It is an out of pocket cost, So a lot of people don't really wanna hold or have trauma because they have to pay for that out of their back pocket. If you wanted me to, I could show you what a recommendation for trauma looks like and add that in, but it all comes down to whether you've got, you know, expendable income or whether you're finding it's a bit tough or whether you wanna see trauma. Yeah. Did you No. wanna no. I'll just That's okay. yeah. What's the TPD? What did you say? What is that? Yeah. So What TBD is is total permanent disability. It pays I out in the event yes. you're unable to ever go back to work again. Yeah. And in my life insurance, is it? It's it's connected too. So you've got your Yeah. life insurance cover, and then your TPD is attached to that. Yeah. Okay. So they're linked together, basically, but they are two separate policies. Yeah. Yeah. Okay. Yeah.","start_word":5885,"end_word":6169,"sentiment":"neutral","sentiment_score":-0.03429279514310653},{"text":"Cool.","start_word":6170,"end_word":6170,"sentiment":"positive","sentiment_score":0.33580875396728516},{"text":"Cool. Yeah. Yeah. No. Let's leave it at that. Like, you're the Yep. expert here. I just wanna make sure, you know, all that's right and Yep. of the right covers and what I should be having just in case anything happens and, you know, all that stuff. Yeah. Yeah. That's okay. I'm just going back into your file inside the Neos to look at the certificate of currency just to see. Because I know last time we spoke, there may have been an increase in your policy since then. So I'm just gonna pop in here real quick and just give you an updated amount on how much cover you have. Find it. There we go.","start_word":6171,"end_word":6287,"sentiment":"neutral","sentiment_score":0.09303298592567444},{"text":"Beautiful.","start_word":6288,"end_word":6288,"sentiment":"positive","sentiment_score":0.4555013775825501},{"text":"So there we go. Okay. So at the moment, do we have payments? Nope. Summary. Policy schedule, and that was from late last year. So it should be exactly the same because the last policy schedule, it looks like your policy renews at the end of the year then around about October. Let's see. Schedule. Just gotta pop into it. It needs my little code. Yeah. Doesn't wanna let me in. That's okay. It is not a problem. Let's go. Yes. So from what I can see, the level of cover that we have here at the moment, this is the last policy schedule. Premium renewal date is around about the eleventh of the twenty fourth of the eleventh. So it kinda goes to renewal time every November. So the last renewal went through on November last year, and that essentially shows that your updated pre your updated sum insured for your life and TBD, you're currently covered for Mhmm. 327,302. Are you fairly happy with that level of cover at the moment? Did you wanna Yep. kinda look at the life and TPD? Or No. That's that's that's okay. okay? Yep. Yeah.","start_word":6289,"end_word":6481,"sentiment":"neutral","sentiment_score":0.060089252754042186},{"text":"Beautiful. Not a problem.","start_word":6482,"end_word":6485,"sentiment":"positive","sentiment_score":0.4740423262119293},{"text":"Well, I'll go back and just finish that insurance research for you. I'll update the advice document So that with that you're at sorry. sorry. Yep. That 280, the 380 what did you say? 384. 3 It's 20 three hundred and 27302. yeah. Yeah. So if something happens to me in a disability, I would be paid out that? Or Yeah. So TBD, to give you a little bit of context, like, if you with the life cover, you have that same sum insured. So if you pass away, your beneficiaries receive the $3.27 $3.00 2 plus your super benefit on top of that. Yeah. With TBD, unfortunately, it is considered a taxable payment. So if you claim PPD and never able to get back to work again and you withdrew the full benefit amount, the $3.27 $3.00 2, Yeah. unfortunately, the ATO and the super system does charge tax on that, and you pay tax that's up to 22%. It could be less. There's a whole big fund math equation that helps them to work at how much tax is payable. But if you were to claim on that payment, also, if you were to claim TPD, we would provide financial advice on how to, hopefully, reduce the tax as much as possible, Yes. but also how to draw out the payments or however much you need so that you can live and survive. We'd also claim, you can claim incapacity against your super. So if you take your TBD out, you can also access your super money as well. So we would provide advice on how to limit the amount of tax, how to keep money Yes. invested, and to hopefully draw a bit of an income so that things last and also stay invested for you. Sorry. And You're that's right. with all that's with all providers. That that that's just the thing that happens, is It it? They is. Yeah. yeah. It is. It's something that's not very well known. I've come across quite a lot of people in the past who've gone, yeah. I had TPD, and I claimed it, and they took so much tax, and I didn't know anything about the tax. I was like, yes. Unfortunately, when we're Yeah. under 60, they do charge tax. If you held TPD when and you're older than 60, there's no tax on the the payout whatsoever. So it's more just if we access under the age Early. of 60, there are tax consequences Yeah. for it. Yeah. Yeah. Yeah. They see us all coming, unfortunately. Yeah. Yeah. Alright. Yeah. Cool. Yeah. That's That's okay.","start_word":6486,"end_word":6924,"sentiment":"neutral","sentiment_score":-0.03599786085918851},{"text":"good. Thank Yeah.","start_word":6925,"end_word":6927,"sentiment":"positive","sentiment_score":0.371927410364151},{"text":"you. No. That's alright. If you ever have questions, let me know. Please email me back if there's anything else. I'll, Yeah.","start_word":6928,"end_word":6949,"sentiment":"neutral","sentiment_score":0.1096622794866562},{"text":"dump on it nice and quickly for you.","start_word":6950,"end_word":6957,"sentiment":"positive","sentiment_score":0.3501715660095215},{"text":"Okay? Alright. Yeah. No problem, Dana. Alright.","start_word":6958,"end_word":6964,"sentiment":"neutral","sentiment_score":0.1763521134853363},{"text":"Oh, good.","start_word":6965,"end_word":6966,"sentiment":"positive","sentiment_score":0.3724420666694641},{"text":"Cool. Yeah. So July 1, 05:30. Yep. That's Yeah. I'll send you an email now it. with that time and date there so you've got that Alright. in your email. Okay. Yep. And will I get a reminder a day before or Yep. yeah. Absolutely. I'll send a text message reminder. I can set it up so it sends you a message about two hours prior. Would that be okay? Yeah.","start_word":6967,"end_word":7037,"sentiment":"neutral","sentiment_score":0.13095061480998993},{"text":"That'll be great.","start_word":7038,"end_word":7040,"sentiment":"positive","sentiment_score":0.5663368701934814},{"text":"Yep. Yep. Send a text message two hours prior just to remind you I'll be giving you a call. Okay. And that's 05:30 Melbourne time. Yeah? Yeah. You're on the same time zone as us now. So, yeah, we're all good. Okay. Yep. Yep. Yep. Yeah. Yeah. No daylight savings. Okay. Yep. I know. Not yet. Finished it. I know. Alright.","start_word":7041,"end_word":7101,"sentiment":"neutral","sentiment_score":0.07638016538541825},{"text":"Beautiful. Thank you, Jane. I do appreciate you taking my call just so fast. Anytime. Not a problem at all.","start_word":7102,"end_word":7121,"sentiment":"positive","sentiment_score":0.6347091197967529},{"text":"If there's anything else, let me know.","start_word":7122,"end_word":7128,"sentiment":"neutral","sentiment_score":0.24061357975006104},{"text":"In the meantime, I'll get stuck into this little bit of research, and I'll get the advice ready to go for you. Beautiful. And you're looking to my super, the other investments.","start_word":7129,"end_word":7160,"sentiment":"positive","sentiment_score":0.3788385391235352},{"text":"We'll talk about all that on the first. Yes. Yes. Absolutely. Okay. Yep.","start_word":7161,"end_word":7173,"sentiment":"neutral","sentiment_score":0.2189469337463379},{"text":"Perfect. Alright. Awesome. Thank you very much. You have a fantastic day, and we'll speak then. Will do. Thank you so much, Natalie. Enjoy your day. Thank See you. you later. Cheers.","start_word":7174,"end_word":7205,"sentiment":"positive","sentiment_score":0.6966677904129028},{"text":"Bye. Bye bye.","start_word":7206,"end_word":7208,"sentiment":"neutral","sentiment_score":0.2555553913116455}],"average":{"sentiment":"neutral","sentiment_score":0.04286770659189634}}}}