{"metadata":{"transaction_key":"deprecated","request_id":"01a08e4c-6f08-7dd0-839d-2e42f7856856","sha256":"90b4e22ea419a18f03e8818fd68db5dd21bbc5ab174fffe9d29d626252bc9993","created":"2026-09-11T02:29:31.598Z","duration":1437.408,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4998,"output_tokens":125},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5662,"output_tokens":5674},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5662,"output_tokens":572}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Tristan. It's Tommy here, senior adviser from. How are you doing? Living the dream. It's a beautiful Friday on the Gold Coast. Mate, what about your end? That's what we like to hear, mate. I've got you booked in. Michelle let me know that you were trying to get some insurances looked at. Do you mind if I just go through a quick security check with you? Beautiful. So I'm registered with our ticket advisor 1273105. Are you okay for the call to be recorded? Beauty. And I just need your date of birth and address for security. Sensational. Thank you so much for that, mate. I've had a bit of a deep dive on the file just to get a bit of a handle on what insurances you currently have and few questions to kind of see what we can get you. I was also just gonna quickly touch base on on the two because there's a few changes I'd like to make on that as well if you do have a few minutes. Beautiful. Now when it comes to the details we have on file, I believe Michelle's updated most of it, so thank you very much for that. I just want to quickly double check with you income level. The 110,000 that we've got, is that is that current from this year? Yep. Okay. So between about a 100 to a 120 depending on, like, OT and stuff like that. Beautiful. Okay. So electrician, underground mining, prequalified, six years, that kind of thing. Yep. Four, five, eight, or nine years. Beautiful. Alrighty. So having a look at what you've currently got, we've got some income protection in there as well. Now good news for you. So Al is one of the sort of biggest insurers. They've taken over BT. They bought out their life insurance side of things. So it's still owned through BT, but it's insured through TEL at the moment. You've got an income protection policy at the moment, $5,089 a month worth of cover, and it's a it's a thirty day waiting period. So if you had to work for a month, it kicks in, and it pays out for up to five years per injury or illness, if that makes sense. Now just based on, like, cover levels, because you've had the policy since 2019, they can insure you for 75% of your income, which they capped it at 70 percent for anyone after 2021. So you've kind of got the the bigger type of policy, if that makes sense. So based on that, the maximum that you can have is 6,875 a month, a little bit above what you've currently got insured for. So you're thinking of just a bit of a top up? Yeah. Yep. I get you. Cool. So with the the 5,000 you've got, that's obviously pretax. So that'll kick in about $1,000 a week after tax that will go to you. You do have an own occupation policy too, which is a lot better than in any occupation. It basically means that if you can't do the job that they insured you for, it'll kick in rather than saying, oh, can you go back and do this part of the job or that part of the job? Easy done. Let's say you're out of work for injury or illness for, like, a month. Right? The main definition that everyone usually gets is in any occupation, which basically says you can't complete any occupation that you're reasonably suited to doing, Whereas you've got an own occupation definition, which basically means if you can't do what they insured you for specifically, then you're good to go. And it basically just means that you don't have to go, That's the 5,000 a month for the income protection. Yeah. Right. Right. They may be talking about, like, the big lump sum stuff, PPD, which is, like, total disablement. So income protection is if you're out of work temporarily for a few months. PPD is if you're permanently unable to work. And you've got a little bit of that. Let me just have a quick look at what we've got. We've got 382,000 worth of life insurance and total disability linking up next to that income protection. Yeah. So for the income protection, do you think the 5,000 a month will sort of cover the the bills as much as you need? You don't need me to top that one up. Just focus on the other two. Beautiful. Yeah. No. Well, the total for all three of them is about 1,700 a year at the moment, $17.50, which is actually pretty pretty cheap compared to a lot of them out there, which are about $2.5.03 grand. So I would estimate I'll do some quotes. But if you bump that up to the maximum for the income protection, I would say that might bump an extra $4,500 on, and I've got to do the quotes for, like, the life and disability insurance as well. But you've got a lot going in in contributions and growth as well. So compared to most people, I'm not too worried that it's gonna, like, eat away at super too much, but I do put a bit of a cap on it. I've gotta make sure it's basically below 30% of your contribution. Yeah. And when I put this together so we'll do the quote. I'll put it together and update a statement of advice, and then you can say, oh, look. When when I see the breakdown in writing, I wanna go ahead with this and not that. I'll go for all three, and then you let me know what you wanna go ahead with. Couple of things too. So the red flags that I've gotta kinda work through in the background, in 2019, that own occupation definition, I'm assuming that lines up then with you doing electrical work back then when that was applied for. Yep. Okay. So what I basically do is we call the the current insurer and other insurers kind of anonymously just to underwrite, like, what they would do for the occupation rating. Because any increasing cover goes through, like, the health and medical and occupation questions. Underground's usually a bit rough, but electrician qualified is usually gonna be good. So it's gonna settle somewhere between the two, and I'm just gonna have to do some negotiation. For the the lump sum covers like that total disablement that we're saying, we've got just under 400 at the moment. And I think I've got your your mortgage listed about $3.50. So I'm just wondering, are you wanting to approach that kind of million dollar full top up or just cover the mortgage? What what are you sort of thinking for the lump sums if you could never work ever again? Yeah. So 100%. One of the cool things too is that once you approach the the round figures, 500, they apply a lump sum discount. So sometimes it's cheaper to get a mil than it is to get 900,000. I'll quote for both just so you can see the difference. Now the other thing that I've got us to worry about is just on the health side of things. The only thing that I can see that was a major issue was some possibly bulging discs back in maybe 2019 or quite a quite a few years away, and maybe you were looking at some surgery a couple years ago. K. So what I'll do, if it's possible, did you actually go through any surgeries at the time, or was it just kind of scans and checkups? And then what how did it get resolved? Yep. Gotcha. What I'll do, if it's possible, they may need to get some sort of report from the doctor because there was an investigation. They'll they'll wanna see what's in writing kind of thing. They'll they'll never just waive it through, if that makes sense. As far as the doctor, I've got Kingswood, New South Wales. I'm not gonna attempt to say the name, but I've got the doctor's name. Doctor Deed Shadban's there. Alright. Couple of things. Alright. Sweet. So I will get the team to basically do some quotes, call around, and see what information we need. I may need to get, obviously, that report and a couple of updates from you, and then that way they can give you a good answer. Last thing I wanna do is send you to an application and have it come back with any issues that you're not, you know, expecting. Beautiful. So that's nice and easy. I'll do a bit of a check around. To be honest, Tal is actually probably one of the best in pricing at the moment. I don't think I'll find anyone that would beat them. I'll do the check just in case, but it may just be a case of something what you've got through them. Oh, just quickly as well because it does affect discounts based on BMI. I'll just grab updated weight from you if that's okay. I've got your your height listed at a hundred and nine centimeters. Is that right? Hundred and eighty six centimeters. And in kilos or pounds, I can just do a quick check on their system for the discount. Eighty nine. Beautiful. Obviously, nonspoken. Yeah. It's great. Just swagger's right, send to double it, and that's not fun for anyone. So we've got the assets and liabilities, the home, car, motorbike shares, and credit card is the sort of five that we've got listed. Yeah. Great. Is he done for the motorbike? Do you have any loans on that? Or is he done what would be owing? Like, a thousand bucks, $2,000? Yep. He's done doesn't make too much difference for the insurance side of things. We're not gonna work in selling off your bike if you pass away or anything. Just put an estimate in. Business car, fleet, income, that's all good. Just in terms of beneficiaries for both the life insurance and the super, I believe we've got listed. Let me just have a look at the details, make sure that is correct. We've got Kalen listed for the superannuation. So non matching, legally binding, so that's all good. I'll make sure that's on the life insurance too. Couple of quick checkpoints before I let you go. Did you end up getting, like, a will or a power of attorney in place since you you you came on board? That's alright, mate. It's just usually a yearly reminder from us and, you know, a couple of pointers that even Old Post has government approved kits for $25 a pop, but it is something I need to check as well. Couple of quick different questions here just because I've increased the anti money laundering checks that we need to do. Have you ever gone through a bankruptcy or a part nine debt agreement before? Beautiful. Just in terms of the super, like I mentioned before, and some gold here, quick update on this. We you were basically focusing on purchasing some investment properties, maybe renting out the one that you've got, changing homes, and obviously focusing on building the business. Is that still kind of like your your three to five year focus? Mhmm. Yes. Yeah. Build the savings up, build up the equity, that kind of thing. Beautiful. Anything else as a major focus for the next twelve months that I've got to factor in? Awesome. The last couple of things I'll check with you and then let's see is just in terms of the way you're structuring the wages and everything from the business. So it looks to me like you're drawing a wage from the business and paying yourself super from that. Is that correct? Sweet. So the only thing that I kind of noticed when I went through the account this morning is that the the payments have kind of increased. Last financial year, about 9,200 went in, and this financial year, so far, there's already $7 that's gone in. Each contribution is around about $2.2.5. Perfect. So it's a bit of a catch up, if anything. Cool. Yeah. I just wanted to flag just to make sure that you don't go over that kind of 32,500 for the cap. But if you're paying it as a percentage on on wages over a $100, you're not gonna go over that anyway. If you do, because you've done a catch up, they still use up the last five years worth of cap anyway, so you should be good for for a period. Just that one, you know, $40 randomly going in there for five years, if that makes sense. You've caught the taxes. Yep. Okay. I'll factor that in. So what I'll do, just for the plan and the projections and everything, I'll factor in the premiums like I was saying and how that's gonna impact the super. And then I'll just kind of base it on the, like, the 12% of your your wages as a salary, and I'll just make a note that the contributions will be a bit kind of ad hoc while you catch up. Cool. Last thing for me, just with the the risk profile on the super, we've still got your pretty well high growth trying to aim for the high long term returns, you know, 90 to a 100% in those growth assets, like shares, property, and gold. There is a couple of options that I would like to switch out for you. Now the returns have been pretty good, but with the legislation that came in for capital gains tax and negative gearing, the property option is starting to tumble down, which is a bit of a worry for those companies. The one of the term deposits you've got, the government's gonna phase that out over the next three years, so I'll get a an easy switching for that. And then one Australian shares option that's been underperforming. So if it's okay with you, I'm looking to possibly switch that underperforming option out to something a little bit lower fee, a little bit more focused on, you know, following the market a bit closer than what this one is currently doing, but the rest of them all look really good. Cool. I'll mix both of those into it. Are you okay for the team to kind of reach out if they need to clarify any details for the underwriting for the insurance? Awesome. Like I said, we'll do the quotes. We'll do the calls. Anything we need, we'll reach out to you, see if we can get a report. I'll put together the plan with the comparison, the quotes, my recommendations, and the super, and give you some updated figures in writing over the next few weeks, and it should be good to go. Cool. Any questions for me at this point there, Tristan? Awesome. I'll get Michelle to send out your annual review packet so you've got all the certificates of currency, super performance, service guides, and everything with you. If anything does happen, like, obviously, we do help people with claims and claims advice. We're probably not the first people to call if you get majorly injured, but just give us a buzz if you do, and we'll help you through that. And just for the fee structures with Oakview, so I believe our consent expired on BT, which we'll need to fix up. It's still the same phase as last year, 1.65%, but we've got a tiered structure coming in. So when you get 200,000 discounts, you'll start to be applied. Cool. Alrighty, mate. I'll send that pack out to you, and we will talk to you in the next couple of weeks. Legend, mate. Have a fantastic weekend. Thanks, Tristan. 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day, Tristan. It's Tommy here, senior adviser from. How are you doing? Living the dream. It's a beautiful Friday on the Gold Coast.\n\nMate, what about your end? That's what we like to hear, mate. I've got you booked in. Michelle let me know that you were trying to get some insurances looked at. Do you mind if I just go through a quick security check with you?\n\nBeautiful. So I'm registered with our ticket advisor 1273105. Are you okay for the call to be recorded? Beauty. And I just need your date of birth and address for security.\n\nSensational. Thank you so much for that, mate. I've had a bit of a deep dive on the file just to get a bit of a handle on what insurances you currently have and few questions to kind of see what we can get you. I was also just gonna quickly touch base on on the two because there's a few changes I'd like to make on that as well if you do have a few minutes. Beautiful.\n\nNow when it comes to the details we have on file, I believe Michelle's updated most of it, so thank you very much for that. I just want to quickly double check with you income level. The 110,000 that we've got, is that is that current from this year? Yep. Okay.\n\nSo between about a 100 to a 120 depending on, like, OT and stuff like that. Beautiful. Okay. So electrician, underground mining, prequalified, six years, that kind of thing. Yep.\n\nFour, five, eight, or nine years. Beautiful. Alrighty. So having a look at what you've currently got, we've got some income protection in there as well. Now good news for you.\n\nSo Al is one of the sort of biggest insurers. They've taken over BT. They bought out their life insurance side of things. So it's still owned through BT, but it's insured through TEL at the moment. You've got an income protection policy at the moment, $5,089 a month worth of cover, and it's a it's a thirty day waiting period.\n\nSo if you had to work for a month, it kicks in, and it pays out for up to five years per injury or illness, if that makes sense. Now just based on, like, cover levels, because you've had the policy since 2019, they can insure you for 75% of your income, which they capped it at 70 percent for anyone after 2021. So you've kind of got the the bigger type of policy, if that makes sense. So based on that, the maximum that you can have is 6,875 a month, a little bit above what you've currently got insured for. So you're thinking of just a bit of a top up?\n\nYeah. Yep. I get you. Cool. So with the the 5,000 you've got, that's obviously pretax.\n\nSo that'll kick in about $1,000 a week after tax that will go to you. You do have an own occupation policy too, which is a lot better than in any occupation. It basically means that if you can't do the job that they insured you for, it'll kick in rather than saying, oh, can you go back and do this part of the job or that part of the job? Easy done. Let's say you're out of work for injury or illness for, like, a month.\n\nRight? The main definition that everyone usually gets is in any occupation, which basically says you can't complete any occupation that you're reasonably suited to doing, Whereas you've got an own occupation definition, which basically means if you can't do what they insured you for specifically, then you're good to go. And it basically just means that you don't have to go, That's the 5,000 a month for the income protection. Yeah. Right.\n\nRight. They may be talking about, like, the big lump sum stuff, PPD, which is, like, total disablement. So income protection is if you're out of work temporarily for a few months. PPD is if you're permanently unable to work. And you've got a little bit of that.\n\nLet me just have a quick look at what we've got. We've got 382,000 worth of life insurance and total disability linking up next to that income protection. Yeah. So for the income protection, do you think the 5,000 a month will sort of cover the the bills as much as you need? You don't need me to top that one up.\n\nJust focus on the other two. Beautiful. Yeah. No. Well, the total for all three of them is about 1,700 a year at the moment, $17.50, which is actually pretty pretty cheap compared to a lot of them out there, which are about $2.5.03 grand.\n\nSo I would estimate I'll do some quotes. But if you bump that up to the maximum for the income protection, I would say that might bump an extra $4,500 on, and I've got to do the quotes for, like, the life and disability insurance as well. But you've got a lot going in in contributions and growth as well. So compared to most people, I'm not too worried that it's gonna, like, eat away at super too much, but I do put a bit of a cap on it. I've gotta make sure it's basically below 30% of your contribution.\n\nYeah. And when I put this together so we'll do the quote. I'll put it together and update a statement of advice, and then you can say, oh, look. When when I see the breakdown in writing, I wanna go ahead with this and not that. I'll go for all three, and then you let me know what you wanna go ahead with.\n\nCouple of things too. So the red flags that I've gotta kinda work through in the background, in 2019, that own occupation definition, I'm assuming that lines up then with you doing electrical work back then when that was applied for. Yep. Okay. So what I basically do is we call the the current insurer and other insurers kind of anonymously just to underwrite, like, what they would do for the occupation rating.\n\nBecause any increasing cover goes through, like, the health and medical and occupation questions. Underground's usually a bit rough, but electrician qualified is usually gonna be good. So it's gonna settle somewhere between the two, and I'm just gonna have to do some negotiation. For the the lump sum covers like that total disablement that we're saying, we've got just under 400 at the moment. And I think I've got your your mortgage listed about $3.50.\n\nSo I'm just wondering, are you wanting to approach that kind of million dollar full top up or just cover the mortgage? What what are you sort of thinking for the lump sums if you could never work ever again? Yeah. So 100%. One of the cool things too is that once you approach the the round figures, 500, they apply a lump sum discount.\n\nSo sometimes it's cheaper to get a mil than it is to get 900,000. I'll quote for both just so you can see the difference. Now the other thing that I've got us to worry about is just on the health side of things. The only thing that I can see that was a major issue was some possibly bulging discs back in maybe 2019 or quite a quite a few years away, and maybe you were looking at some surgery a couple years ago. K.\n\nSo what I'll do, if it's possible, did you actually go through any surgeries at the time, or was it just kind of scans and checkups? And then what how did it get resolved? Yep. Gotcha. What I'll do, if it's possible, they may need to get some sort of report from the doctor because there was an investigation.\n\nThey'll they'll wanna see what's in writing kind of thing. They'll they'll never just waive it through, if that makes sense. As far as the doctor, I've got Kingswood, New South Wales. I'm not gonna attempt to say the name, but I've got the doctor's name. Doctor Deed Shadban's there.\n\nAlright. Couple of things. Alright. Sweet. So I will get the team to basically do some quotes, call around, and see what information we need.\n\nI may need to get, obviously, that report and a couple of updates from you, and then that way they can give you a good answer. Last thing I wanna do is send you to an application and have it come back with any issues that you're not, you know, expecting. Beautiful. So that's nice and easy. I'll do a bit of a check around.\n\nTo be honest, Tal is actually probably one of the best in pricing at the moment. I don't think I'll find anyone that would beat them. I'll do the check just in case, but it may just be a case of something what you've got through them. Oh, just quickly as well because it does affect discounts based on BMI. I'll just grab updated weight from you if that's okay.\n\nI've got your your height listed at a hundred and nine centimeters. Is that right? Hundred and eighty six centimeters. And in kilos or pounds, I can just do a quick check on their system for the discount. Eighty nine.\n\nBeautiful. Obviously, nonspoken. Yeah. It's great. Just swagger's right, send to double it, and that's not fun for anyone.\n\nSo we've got the assets and liabilities, the home, car, motorbike shares, and credit card is the sort of five that we've got listed. Yeah. Great. Is he done for the motorbike? Do you have any loans on that?\n\nOr is he done what would be owing? Like, a thousand bucks, $2,000? Yep. He's done doesn't make too much difference for the insurance side of things. We're not gonna work in selling off your bike if you pass away or anything.\n\nJust put an estimate in. Business car, fleet, income, that's all good. Just in terms of beneficiaries for both the life insurance and the super, I believe we've got listed. Let me just have a look at the details, make sure that is correct. We've got Kalen listed for the superannuation.\n\nSo non matching, legally binding, so that's all good. I'll make sure that's on the life insurance too. Couple of quick checkpoints before I let you go. Did you end up getting, like, a will or a power of attorney in place since you you you came on board? That's alright, mate.\n\nIt's just usually a yearly reminder from us and, you know, a couple of pointers that even Old Post has government approved kits for $25 a pop, but it is something I need to check as well. Couple of quick different questions here just because I've increased the anti money laundering checks that we need to do. Have you ever gone through a bankruptcy or a part nine debt agreement before? Beautiful. Just in terms of the super, like I mentioned before, and some gold here, quick update on this.\n\nWe you were basically focusing on purchasing some investment properties, maybe renting out the one that you've got, changing homes, and obviously focusing on building the business. Is that still kind of like your your three to five year focus? Mhmm. Yes. Yeah.\n\nBuild the savings up, build up the equity, that kind of thing. Beautiful. Anything else as a major focus for the next twelve months that I've got to factor in? Awesome. The last couple of things I'll check with you and then let's see is just in terms of the way you're structuring the wages and everything from the business.\n\nSo it looks to me like you're drawing a wage from the business and paying yourself super from that. Is that correct? Sweet. So the only thing that I kind of noticed when I went through the account this morning is that the the payments have kind of increased. Last financial year, about 9,200 went in, and this financial year, so far, there's already $7 that's gone in.\n\nEach contribution is around about $2.2.5. Perfect. So it's a bit of a catch up, if anything. Cool. Yeah.\n\nI just wanted to flag just to make sure that you don't go over that kind of 32,500 for the cap. But if you're paying it as a percentage on on wages over a $100, you're not gonna go over that anyway. If you do, because you've done a catch up, they still use up the last five years worth of cap anyway, so you should be good for for a period. Just that one, you know, $40 randomly going in there for five years, if that makes sense. You've caught the taxes.\n\nYep. Okay. I'll factor that in. So what I'll do, just for the plan and the projections and everything, I'll factor in the premiums like I was saying and how that's gonna impact the super. And then I'll just kind of base it on the, like, the 12% of your your wages as a salary, and I'll just make a note that the contributions will be a bit kind of ad hoc while you catch up.\n\nCool. Last thing for me, just with the the risk profile on the super, we've still got your pretty well high growth trying to aim for the high long term returns, you know, 90 to a 100% in those growth assets, like shares, property, and gold. There is a couple of options that I would like to switch out for you. Now the returns have been pretty good, but with the legislation that came in for capital gains tax and negative gearing, the property option is starting to tumble down, which is a bit of a worry for those companies. The one of the term deposits you've got, the government's gonna phase that out over the next three years, so I'll get a an easy switching for that.\n\nAnd then one Australian shares option that's been underperforming. So if it's okay with you, I'm looking to possibly switch that underperforming option out to something a little bit lower fee, a little bit more focused on, you know, following the market a bit closer than what this one is currently doing, but the rest of them all look really good. Cool. I'll mix both of those into it. Are you okay for the team to kind of reach out if they need to clarify any details for the underwriting for the insurance?\n\nAwesome. Like I said, we'll do the quotes. We'll do the calls. Anything we need, we'll reach out to you, see if we can get a report. I'll put together the plan with the comparison, the quotes, my recommendations, and the super, and give you some updated figures in writing over the next few weeks, and it should be good to go.\n\nCool. Any questions for me at this point there, Tristan? Awesome. I'll get Michelle to send out your annual review packet so you've got all the certificates of currency, super performance, service guides, and everything with you. If anything does happen, like, obviously, we do help people with claims and claims advice.\n\nWe're probably not the first people to call if you get majorly injured, but just give us a buzz if you do, and we'll help you through that. And just for the fee structures with Oakview, so I believe our consent expired on BT, which we'll need to fix up. It's still the same phase as last year, 1.65%, but we've got a tiered structure coming in. So when you get 200,000 discounts, you'll start to be applied. Cool.\n\nAlrighty, mate. I'll send that pack out to you, and we will talk to you in the next couple of weeks. Legend, mate. Have a fantastic weekend. Thanks, Tristan.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good day, Tristan.","start":2.6399999,"end":3.4399998,"sentiment":"positive","sentiment_score":0.3611263036727905},{"text":"It's Tommy here, senior adviser from.","start":3.4399998,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.17874185740947723},{"text":"How are you doing?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.18856169655919075},{"text":"Living the dream.","start":8.4,"end":9.12,"sentiment":"positive","sentiment_score":0.5139800906181335},{"text":"It's a beautiful Friday on the Gold Coast.","start":9.12,"end":11.28,"sentiment":"positive","sentiment_score":0.6750824525952339}],"sentiment":"positive","sentiment_score":0.4105281972636779,"num_words":24,"start":2.6399999,"end":11.28},{"sentences":[{"text":"Mate, what about your end?","start":11.28,"end":12.315,"sentiment":"neutral","sentiment_score":0.11185871958732604},{"text":"That's what we like to hear, mate.","start":18.875,"end":20.494999,"sentiment":"neutral","sentiment_score":0.260986579316003},{"text":"I've got you booked in.","start":20.794998,"end":21.914999,"sentiment":"neutral","sentiment_score":0.08445389345288276},{"text":"Michelle let me know that you were trying to get some insurances looked at.","start":21.914999,"end":26.55,"sentiment":"neutral","sentiment_score":0.05265662579664162},{"text":"Do you mind if I just go through a quick security check with you?","start":26.63,"end":29.689999,"sentiment":"neutral","sentiment_score":0.03652513373110976}],"sentiment":"neutral","sentiment_score":0.09015586119559076,"num_words":45,"start":11.28,"end":29.689999},{"sentences":[{"text":"Beautiful.","start":32.23,"end":32.629997,"sentiment":"neutral","sentiment_score":0.3288646340370178},{"text":"So I'm registered with our ticket advisor 1273105.","start":32.629997,"end":36.87,"sentiment":"neutral","sentiment_score":0.09972569718956947},{"text":"Are you okay for the call to be recorded?","start":36.87,"end":38.649998,"sentiment":"neutral","sentiment_score":0.04264045630892118},{"text":"Beauty.","start":41.275,"end":41.755,"sentiment":"neutral","sentiment_score":0.08881153911352158},{"text":"And I just need your date of birth and address for security.","start":41.755,"end":44.895,"sentiment":"neutral","sentiment_score":0.027892012149095535}],"sentiment":"neutral","sentiment_score":0.062385483975372004,"num_words":31,"start":32.23,"end":44.895},{"sentences":[{"text":"Sensational.","start":53.04,"end":53.54,"sentiment":"neutral","sentiment_score":0.08586730808019638},{"text":"Thank you so much for that, mate.","start":53.68,"end":55.14,"sentiment":"positive","sentiment_score":0.5416177638939449},{"text":"I've had a bit of a deep dive on the file just to get a bit of a handle on what insurances you currently have and few questions to kind of see what we can get you.","start":55.6,"end":66.675,"sentiment":"neutral","sentiment_score":0.20273369228517688},{"text":"I was also just gonna quickly touch base on on the two because there's a few changes I'd like to make on that as well if you do have a few minutes.","start":67.955,"end":74.295006,"sentiment":"neutral","sentiment_score":0.13602976023685187},{"text":"Beautiful.","start":76.675,"end":77.175,"sentiment":"positive","sentiment_score":0.403714656829834}],"sentiment":"neutral","sentiment_score":0.206859041721775,"num_words":78,"start":53.04,"end":77.175},{"sentences":[{"text":"Now when it comes to the details we have on file, I believe Michelle's updated most of it, so thank you very much for that.","start":77.795006,"end":85.75,"sentiment":"neutral","sentiment_score":0.22913705915212632},{"text":"I just want to quickly double check with you income level.","start":86.450005,"end":90.950005,"sentiment":"neutral","sentiment_score":0.09999254074963657},{"text":"The 110,000 that we've got, is that is that current from this year?","start":91.17,"end":101.795,"sentiment":"neutral","sentiment_score":0.02240171770636852},{"text":"Yep.","start":101.795,"end":102.115,"sentiment":"neutral","sentiment_score":0.022790420800447464},{"text":"Okay.","start":102.115,"end":102.435,"sentiment":"neutral","sentiment_score":0.01992505230009556}],"sentiment":"neutral","sentiment_score":0.14043690647710771,"num_words":51,"start":77.795006,"end":102.435},{"sentences":[{"text":"So between about a 100 to a 120 depending on, like, OT and stuff like that.","start":102.435,"end":106.65,"sentiment":"neutral","sentiment_score":0.01605815498623997},{"text":"Beautiful.","start":113.21,"end":113.71,"sentiment":"positive","sentiment_score":0.44663649797439575},{"text":"Okay.","start":114.01,"end":114.51,"sentiment":"neutral","sentiment_score":0.14158199727535248},{"text":"So electrician, underground mining, prequalified, six years, that kind of thing.","start":115.05,"end":122.625,"sentiment":"neutral","sentiment_score":0.030332837253808975},{"text":"Yep.","start":134.945,"end":135.445,"sentiment":"neutral","sentiment_score":0.034440793097019196}],"sentiment":"neutral","sentiment_score":0.040441699263950186,"num_words":30,"start":102.435,"end":135.445},{"sentences":[{"text":"Four, five, eight, or nine years.","start":135.985,"end":137.525,"sentiment":"neutral","sentiment_score":0.03117256114880244},{"text":"Beautiful.","start":137.585,"end":138.085,"sentiment":"positive","sentiment_score":0.4601733684539795},{"text":"Alrighty.","start":139.4,"end":139.9,"sentiment":"neutral","sentiment_score":0.2383566647768021},{"text":"So having a look at what you've currently got, we've got some income protection in there as well.","start":140.04,"end":146.38,"sentiment":"neutral","sentiment_score":0.05662779313408666},{"text":"Now good news for you.","start":147.4,"end":148.52,"sentiment":"neutral","sentiment_score":0.27647597789764405}],"sentiment":"neutral","sentiment_score":0.1060401795492057,"num_words":31,"start":135.985,"end":148.52},{"sentences":[{"text":"So Al is one of the sort of biggest insurers.","start":148.52,"end":152.14,"sentiment":"neutral","sentiment_score":0.03793794214725495},{"text":"They've taken over BT.","start":152.2,"end":154.685,"sentiment":"neutral","sentiment_score":0.006590557750314474},{"text":"They bought out their life insurance side of things.","start":154.905,"end":157.22499,"sentiment":"neutral","sentiment_score":-0.013948861302600967},{"text":"So it's still owned through BT, but it's insured through TEL at the moment.","start":157.22499,"end":162.525,"sentiment":"neutral","sentiment_score":0.00954519079199859},{"text":"You've got an income protection policy at the moment, $5,089 a month worth of cover, and it's a it's a thirty day waiting period.","start":164.985,"end":174.92,"sentiment":"neutral","sentiment_score":0.02022410653686772}],"sentiment":"neutral","sentiment_score":0.014741198831527937,"num_words":61,"start":148.52,"end":174.92},{"sentences":[{"text":"So if you had to work for a month, it kicks in, and it pays out for up to five years per injury or illness, if that makes sense.","start":174.92,"end":184.715,"sentiment":"neutral","sentiment_score":0.008222825568297813},{"text":"Now just based on, like, cover levels, because you've had the policy since 2019, they can insure you for 75% of your income, which they capped it at 70 percent for anyone after 2021.","start":184.715,"end":198.84,"sentiment":"neutral","sentiment_score":0.004967282964464496},{"text":"So you've kind of got the the bigger type of policy, if that makes sense.","start":198.84,"end":202.22,"sentiment":"neutral","sentiment_score":-0.08690451917548975},{"text":"So based on that, the maximum that you can have is 6,875 a month, a little bit above what you've currently got insured for.","start":204.44,"end":214.505,"sentiment":"neutral","sentiment_score":-0.0333783431754758},{"text":"So you're thinking of just a bit of a top up?","start":214.505,"end":216.605,"sentiment":"neutral","sentiment_score":-0.043078705329786644}],"sentiment":"neutral","sentiment_score":-0.01921384265662822,"num_words":113,"start":174.92,"end":216.605},{"sentences":[{"text":"Yeah.","start":235.725,"end":235.965,"sentiment":"neutral","sentiment_score":0.027781333774328232},{"text":"Yep.","start":235.965,"end":236.445,"sentiment":"neutral","sentiment_score":0.029865887016057968},{"text":"I get you.","start":236.445,"end":237.265,"sentiment":"neutral","sentiment_score":0.021846371081968147},{"text":"Cool.","start":257.9,"end":258.22,"sentiment":"positive","sentiment_score":0.6417185068130493},{"text":"So with the the 5,000 you've got, that's obviously pretax.","start":258.22,"end":261.95502,"sentiment":"positive","sentiment_score":0.38003142178058624}],"sentiment":"neutral","sentiment_score":0.28532619116595015,"num_words":16,"start":235.725,"end":261.95502},{"sentences":[{"text":"So that'll kick in about $1,000 a week after tax that will go to you.","start":262.015,"end":266.355,"sentiment":"positive","sentiment_score":0.3587471763292948},{"text":"You do have an own occupation policy too, which is a lot better than in any occupation.","start":268.095,"end":274.435,"sentiment":"positive","sentiment_score":0.45835813704658956},{"text":"It basically means that if you can't do the job that they insured you for, it'll kick in rather than saying, oh, can you go back and do this part of the job or that part of the job?","start":274.87,"end":284.34,"sentiment":"neutral","sentiment_score":0.1365299869615298},{"text":"Easy done.","start":291.48502,"end":293.025,"sentiment":"neutral","sentiment_score":0.1045164130628109},{"text":"Let's say you're out of work for injury or illness for, like, a month.","start":295.165,"end":298.525,"sentiment":"neutral","sentiment_score":-0.23988614311175688}],"sentiment":"neutral","sentiment_score":0.17642060102059923,"num_words":87,"start":262.015,"end":298.525},{"sentences":[{"text":"Right?","start":298.525,"end":298.89,"sentiment":"neutral","sentiment_score":-0.046509645879268646},{"text":"The main definition that everyone usually gets is in any occupation, which basically says you can't complete any occupation that you're reasonably suited to doing, Whereas you've got an own occupation definition, which basically means if you can't do what they insured you for specifically, then you're good to go.","start":300.25,"end":320.435,"sentiment":"neutral","sentiment_score":0.008620644032489508},{"text":"And it basically just means that you don't have to go, That's the 5,000 a month for the income protection.","start":323.375,"end":329.51,"sentiment":"neutral","sentiment_score":0.03345083706080913},{"text":"Yeah.","start":348.945,"end":349.445,"sentiment":"neutral","sentiment_score":-0.05531732738018036},{"text":"Right.","start":366.905,"end":367.305,"sentiment":"neutral","sentiment_score":-0.08503718674182892}],"sentiment":"neutral","sentiment_score":0.012509380586840825,"num_words":73,"start":298.525,"end":367.305},{"sentences":[{"text":"Right.","start":367.305,"end":367.70502,"sentiment":"neutral","sentiment_score":-0.06126774847507477},{"text":"They may be talking about, like, the big lump sum stuff, PPD, which is, like, total disablement.","start":367.70502,"end":374.445,"sentiment":"neutral","sentiment_score":-0.14716292479458978},{"text":"So income protection is if you're out of work temporarily for a few months.","start":374.585,"end":378.45,"sentiment":"neutral","sentiment_score":-0.2688298959817205},{"text":"PPD is if you're permanently unable to work.","start":379.01,"end":382.15002,"sentiment":"neutral","sentiment_score":-0.24983550980687141},{"text":"And you've got a little bit of that.","start":385.65002,"end":387.57,"sentiment":"neutral","sentiment_score":-0.08984032366424799}],"sentiment":"neutral","sentiment_score":-0.18841797253116965,"num_words":48,"start":367.305,"end":387.57},{"sentences":[{"text":"Let me just have a quick look at what we've got.","start":387.57,"end":389.67,"sentiment":"neutral","sentiment_score":0.03399897468360988},{"text":"We've got 382,000 worth of life insurance and total disability linking up next to that income protection.","start":390.93002,"end":399.615,"sentiment":"neutral","sentiment_score":-0.04196555046912502},{"text":"Yeah.","start":404.5,"end":404.74,"sentiment":"neutral","sentiment_score":0.02488252893090248},{"text":"So for the income protection, do you think the 5,000 a month will sort of cover the the bills as much as you need?","start":404.74,"end":410.26,"sentiment":"neutral","sentiment_score":0.06858469763149817},{"text":"You don't need me to top that one up.","start":410.26,"end":411.54,"sentiment":"neutral","sentiment_score":-0.04253314518266254}],"sentiment":"neutral","sentiment_score":0.015301473048185148,"num_words":62,"start":387.57,"end":411.54},{"sentences":[{"text":"Just focus on the other two.","start":411.54,"end":413.08,"sentiment":"neutral","sentiment_score":0.13962548474470773},{"text":"Beautiful.","start":431.95,"end":432.45,"sentiment":"neutral","sentiment_score":-0.07621772587299347},{"text":"Yeah.","start":443.38998,"end":443.745,"sentiment":"neutral","sentiment_score":-0.21373321115970612},{"text":"No.","start":452.065,"end":452.565,"sentiment":"neutral","sentiment_score":-0.3221733272075653},{"text":"Well, the total for all three of them is about 1,700 a year at the moment, $17.50, which is actually pretty pretty cheap compared to a lot of them out there, which are about $2.5.03 grand.","start":463.28,"end":475.135,"sentiment":"neutral","sentiment_score":0.323065896001127}],"sentiment":"neutral","sentiment_score":0.26346668667263456,"num_words":45,"start":411.54,"end":475.135},{"sentences":[{"text":"So I would estimate I'll do some quotes.","start":475.435,"end":477.855,"sentiment":"positive","sentiment_score":0.3843908719718456},{"text":"But if you bump that up to the maximum for the income protection, I would say that might bump an extra $4,500 on, and I've got to do the quotes for, like, the life and disability insurance as well.","start":478.155,"end":492.7,"sentiment":"neutral","sentiment_score":0.290337819701586},{"text":"But you've got a lot going in in contributions and growth as well.","start":492.76,"end":496.2,"sentiment":"neutral","sentiment_score":0.3149539644901569},{"text":"So compared to most people, I'm not too worried that it's gonna, like, eat away at super too much, but I do put a bit of a cap on it.","start":496.2,"end":503.715,"sentiment":"neutral","sentiment_score":-0.028763049592574436},{"text":"I've gotta make sure it's basically below 30% of your contribution.","start":504.575,"end":507.635,"sentiment":"neutral","sentiment_score":0.10129522803154858}],"sentiment":"neutral","sentiment_score":0.18558474755523227,"num_words":101,"start":475.435,"end":507.635},{"sentences":[{"text":"Yeah.","start":520.43,"end":520.82996,"sentiment":"neutral","sentiment_score":0.16234129667282104},{"text":"And when I put this together so we'll do the quote.","start":520.82996,"end":523.32996,"sentiment":"neutral","sentiment_score":0.14432769946076654},{"text":"I'll put it together and update a statement of advice, and then you can say, oh, look.","start":524.82996,"end":528.195,"sentiment":"neutral","sentiment_score":0.13887597489006379},{"text":"When when I see the breakdown in writing, I wanna go ahead with this and not that.","start":528.275,"end":532.215,"sentiment":"neutral","sentiment_score":0.06307080059367068},{"text":"I'll go for all three, and then you let me know what you wanna go ahead with.","start":532.59503,"end":536.615,"sentiment":"neutral","sentiment_score":0.17057463789687438}],"sentiment":"neutral","sentiment_score":0.1282985717176445,"num_words":63,"start":520.43,"end":536.615},{"sentences":[{"text":"Couple of things too.","start":540.03503,"end":540.915,"sentiment":"neutral","sentiment_score":-0.03874164540320635},{"text":"So the red flags that I've gotta kinda work through in the background, in 2019, that own occupation definition, I'm assuming that lines up then with you doing electrical work back then when that was applied for.","start":540.915,"end":554.0,"sentiment":"neutral","sentiment_score":-0.17429540084825978},{"text":"Yep.","start":562.155,"end":562.635,"sentiment":"neutral","sentiment_score":0.010572868399322031},{"text":"Okay.","start":562.635,"end":563.135,"sentiment":"neutral","sentiment_score":-0.007885906845331192},{"text":"So what I basically do is we call the the current insurer and other insurers kind of anonymously just to underwrite, like, what they would do for the occupation rating.","start":563.35504,"end":574.64,"sentiment":"neutral","sentiment_score":-0.012582483887672424}],"sentiment":"neutral","sentiment_score":-0.09559841052157013,"num_words":73,"start":540.03503,"end":574.64},{"sentences":[{"text":"Because any increasing cover goes through, like, the health and medical and occupation questions.","start":575.42,"end":581.28,"sentiment":"neutral","sentiment_score":-0.06754525857312339},{"text":"Underground's usually a bit rough, but electrician qualified is usually gonna be good.","start":582.54004,"end":587.39496,"sentiment":"neutral","sentiment_score":-0.0007063124615412492},{"text":"So it's gonna settle somewhere between the two, and I'm just gonna have to do some negotiation.","start":587.39496,"end":592.055,"sentiment":"neutral","sentiment_score":-0.053090063307215184},{"text":"For the the lump sum covers like that total disablement that we're saying, we've got just under 400 at the moment.","start":596.52997,"end":604.31,"sentiment":"neutral","sentiment_score":-0.007953333535364695},{"text":"And I think I've got your your mortgage listed about $3.50.","start":605.01,"end":608.13,"sentiment":"neutral","sentiment_score":-0.006375855279409073}],"sentiment":"neutral","sentiment_score":-0.027559225928455004,"num_words":76,"start":575.42,"end":608.13},{"sentences":[{"text":"So I'm just wondering, are you wanting to approach that kind of million dollar full top up or just cover the mortgage?","start":608.13,"end":615.725,"sentiment":"neutral","sentiment_score":-0.03556312142278661},{"text":"What what are you sort of thinking for the lump sums if you could never work ever again?","start":615.725,"end":619.985,"sentiment":"neutral","sentiment_score":-0.18397596519854334},{"text":"Yeah.","start":654.4,"end":654.80005,"sentiment":"neutral","sentiment_score":-0.01137910783290863},{"text":"So 100%.","start":654.80005,"end":675.95496,"sentiment":"neutral","sentiment_score":0.12427274137735367},{"text":"One of the cool things too is that once you approach the the round figures, 500, they apply a lump sum discount.","start":676.99,"end":683.49,"sentiment":"neutral","sentiment_score":0.2979727163910866}],"sentiment":"neutral","sentiment_score":0.041517078317701815,"num_words":65,"start":608.13,"end":683.49},{"sentences":[{"text":"So sometimes it's cheaper to get a mil than it is to get 900,000.","start":684.02997,"end":687.64996,"sentiment":"neutral","sentiment_score":0.32701375441891806},{"text":"I'll quote for both just so you can see the difference.","start":688.19,"end":691.055,"sentiment":"neutral","sentiment_score":0.1942356824874878},{"text":"Now the other thing that I've got us to worry about is just on the health side of things.","start":695.195,"end":698.65497,"sentiment":"neutral","sentiment_score":-0.1314305010202684},{"text":"The only thing that I can see that was a major issue was some possibly bulging discs back in maybe 2019 or quite a quite a few years away, and maybe you were looking at some surgery a couple years ago.","start":699.435,"end":714.05,"sentiment":"neutral","sentiment_score":-0.21859117706374423},{"text":"K.","start":748.385,"end":748.885,"sentiment":"neutral","sentiment_score":0.030312640592455864}],"sentiment":"neutral","sentiment_score":-0.05481767522301092,"num_words":86,"start":684.02997,"end":748.885},{"sentences":[{"text":"So what I'll do, if it's possible, did you actually go through any surgeries at the time, or was it just kind of scans and checkups?","start":749.185,"end":756.97003,"sentiment":"neutral","sentiment_score":0.006495595049972718},{"text":"And then what how did it get resolved?","start":756.97003,"end":758.83,"sentiment":"neutral","sentiment_score":-0.039778785314410925},{"text":"Yep.","start":785.22,"end":785.72,"sentiment":"neutral","sentiment_score":0.07631225883960724},{"text":"Gotcha.","start":786.18,"end":786.68,"sentiment":"neutral","sentiment_score":0.04087642952799797},{"text":"What I'll do, if it's possible, they may need to get some sort of report from the doctor because there was an investigation.","start":787.77997,"end":796.395,"sentiment":"neutral","sentiment_score":-0.014909055569897528}],"sentiment":"neutral","sentiment_score":-0.006357023745017536,"num_words":59,"start":749.185,"end":796.395},{"sentences":[{"text":"They'll they'll wanna see what's in writing kind of thing.","start":796.53503,"end":799.175,"sentiment":"neutral","sentiment_score":-0.0002001354470849037},{"text":"They'll they'll never just waive it through, if that makes sense.","start":799.175,"end":801.835,"sentiment":"neutral","sentiment_score":0.02474807067350908},{"text":"As far as the doctor, I've got Kingswood, New South Wales.","start":806.06,"end":811.04,"sentiment":"neutral","sentiment_score":-0.000732928034928839},{"text":"I'm not gonna attempt to say the name, but I've got the doctor's name.","start":811.42,"end":814.88,"sentiment":"neutral","sentiment_score":-0.012097071989306383},{"text":"Doctor Deed Shadban's there.","start":815.18,"end":816.88,"sentiment":"neutral","sentiment_score":0.0030666576931253076}],"sentiment":"neutral","sentiment_score":0.0021014567495149096,"num_words":50,"start":796.53503,"end":816.88},{"sentences":[{"text":"Alright.","start":819.765,"end":820.265,"sentiment":"neutral","sentiment_score":0.05828168988227844},{"text":"Couple of things.","start":821.52496,"end":822.325,"sentiment":"neutral","sentiment_score":0.052817231665054955},{"text":"Alright.","start":822.325,"end":822.725,"sentiment":"neutral","sentiment_score":0.13561181724071503},{"text":"Sweet.","start":822.725,"end":823.225,"sentiment":"neutral","sentiment_score":0.20772579312324524},{"text":"So I will get the team to basically do some quotes, call around, and see what information we need.","start":823.285,"end":829.225,"sentiment":"neutral","sentiment_score":0.14047376458582125}],"sentiment":"neutral","sentiment_score":0.1291629008948803,"num_words":25,"start":819.765,"end":829.225},{"sentences":[{"text":"I may need to get, obviously, that report and a couple of updates from you, and then that way they can give you a good answer.","start":829.605,"end":835.17,"sentiment":"neutral","sentiment_score":0.1337959747761488},{"text":"Last thing I wanna do is send you to an application and have it come back with any issues that you're not, you know, expecting.","start":836.19,"end":841.81,"sentiment":"neutral","sentiment_score":0.03751508635759819},{"text":"Beautiful.","start":846.27,"end":846.77,"sentiment":"positive","sentiment_score":0.5566333532333374},{"text":"So that's nice and easy.","start":847.31,"end":848.53503,"sentiment":"positive","sentiment_score":0.6486786127090454},{"text":"I'll do a bit of a check around.","start":848.53503,"end":850.295,"sentiment":"neutral","sentiment_score":0.18058506771922112}],"sentiment":"neutral","sentiment_score":0.14863506864080242,"num_words":65,"start":829.605,"end":850.295},{"sentences":[{"text":"To be honest, Tal is actually probably one of the best in pricing at the moment.","start":850.295,"end":853.675,"sentiment":"neutral","sentiment_score":0.12577513908036053},{"text":"I don't think I'll find anyone that would beat them.","start":853.815,"end":856.53503,"sentiment":"neutral","sentiment_score":-0.12256784737110138},{"text":"I'll do the check just in case, but it may just be a case of something what you've got through them.","start":856.53503,"end":861.92,"sentiment":"neutral","sentiment_score":-0.0031799392253603963},{"text":"Oh, just quickly as well because it does affect discounts based on BMI.","start":865.26,"end":871.12,"sentiment":"neutral","sentiment_score":0.05832235199900774},{"text":"I'll just grab updated weight from you if that's okay.","start":872.22003,"end":875.085,"sentiment":"neutral","sentiment_score":0.08114030361175537}],"sentiment":"neutral","sentiment_score":0.03270769485638344,"num_words":70,"start":850.295,"end":875.085},{"sentences":[{"text":"I've got your your height listed at a hundred and nine centimeters.","start":875.085,"end":877.965,"sentiment":"neutral","sentiment_score":0.04463324462994933},{"text":"Is that right?","start":877.965,"end":878.705,"sentiment":"neutral","sentiment_score":0.04343137641747793},{"text":"Hundred and eighty six centimeters.","start":884.365,"end":886.22504,"sentiment":"neutral","sentiment_score":0.014500247314572334},{"text":"And in kilos or pounds, I can just do a quick check on their system for the discount.","start":887.42,"end":892.8,"sentiment":"neutral","sentiment_score":0.031807410841186844},{"text":"Eighty nine.","start":897.18,"end":898.0,"sentiment":"neutral","sentiment_score":0.03030441328883171}],"sentiment":"neutral","sentiment_score":0.03428841307759285,"num_words":40,"start":875.085,"end":898.0},{"sentences":[{"text":"Beautiful.","start":898.7,"end":899.2,"sentiment":"neutral","sentiment_score":0.23562824726104736},{"text":"Obviously, nonspoken.","start":901.755,"end":902.975,"sentiment":"neutral","sentiment_score":0.023021813482046124},{"text":"Yeah.","start":906.71497,"end":907.115,"sentiment":"neutral","sentiment_score":0.016622286289930344},{"text":"It's great.","start":907.115,"end":907.695,"sentiment":"neutral","sentiment_score":0.09163817390799522},{"text":"Just swagger's right, send to double it, and that's not fun for anyone.","start":907.915,"end":911.295,"sentiment":"neutral","sentiment_score":-0.2149506457723104}],"sentiment":"neutral","sentiment_score":-0.12172567824784078,"num_words":19,"start":898.7,"end":911.295},{"sentences":[{"text":"So we've got the assets and liabilities, the home, car, motorbike shares, and credit card is the sort of five that we've got listed.","start":916.73,"end":925.005,"sentiment":"neutral","sentiment_score":-0.054254884365946054},{"text":"Yeah.","start":930.925,"end":931.425,"sentiment":"neutral","sentiment_score":0.26139408349990845},{"text":"Great.","start":931.725,"end":932.225,"sentiment":"positive","sentiment_score":0.514752984046936},{"text":"Is he done for the motorbike?","start":935.805,"end":937.325,"sentiment":"neutral","sentiment_score":-0.029029179985324543},{"text":"Do you have any loans on that?","start":937.325,"end":938.525,"sentiment":"neutral","sentiment_score":-0.042538014107516835}],"sentiment":"neutral","sentiment_score":-0.025587470151292972,"num_words":39,"start":916.73,"end":938.525},{"sentences":[{"text":"Or is he done what would be owing?","start":938.525,"end":949.38,"sentiment":"neutral","sentiment_score":-0.0270126280374825},{"text":"Like, a thousand bucks, $2,000?","start":949.38,"end":950.925,"sentiment":"neutral","sentiment_score":-0.022877699881792068},{"text":"Yep.","start":955.64496,"end":956.14496,"sentiment":"neutral","sentiment_score":0.03307256102561951},{"text":"He's done doesn't make too much difference for the insurance side of things.","start":956.205,"end":959.345,"sentiment":"neutral","sentiment_score":-0.1278387293792688},{"text":"We're not gonna work in selling off your bike if you pass away or anything.","start":959.565,"end":963.24,"sentiment":"neutral","sentiment_score":-0.31010228097438813}],"sentiment":"neutral","sentiment_score":-0.1574013014102266,"num_words":42,"start":938.525,"end":963.24},{"sentences":[{"text":"Just put an estimate in.","start":964.76,"end":966.06,"sentiment":"neutral","sentiment_score":0.11031256914138794},{"text":"Business car, fleet, income, that's all good.","start":966.6,"end":971.66,"sentiment":"neutral","sentiment_score":0.26861749376569477},{"text":"Just in terms of beneficiaries for both the life insurance and the super, I believe we've got listed.","start":972.83997,"end":981.36505,"sentiment":"neutral","sentiment_score":0.12532636606030995},{"text":"Let me just have a look at the details, make sure that is correct.","start":981.825,"end":985.98505,"sentiment":"neutral","sentiment_score":0.10652356701237815},{"text":"We've got Kalen listed for the superannuation.","start":985.98505,"end":989.36505,"sentiment":"neutral","sentiment_score":0.1446396570120539}],"sentiment":"neutral","sentiment_score":0.14101112604725594,"num_words":51,"start":964.76,"end":989.36505},{"sentences":[{"text":"So non matching, legally binding, so that's all good.","start":993.75,"end":996.97,"sentiment":"neutral","sentiment_score":0.20121079517735374},{"text":"I'll make sure that's on the life insurance too.","start":997.43,"end":999.76996,"sentiment":"neutral","sentiment_score":0.14346497423119015},{"text":"Couple of quick checkpoints before I let you go.","start":1000.62994,"end":1002.70996,"sentiment":"neutral","sentiment_score":0.053913320104281105},{"text":"Did you end up getting, like, a will or a power of attorney in place since you you you came on board?","start":1002.70996,"end":1007.635,"sentiment":"neutral","sentiment_score":0.030588292262770912},{"text":"That's alright, mate.","start":1014.975,"end":1015.615,"sentiment":"neutral","sentiment_score":0.07536236367498834}],"sentiment":"neutral","sentiment_score":0.08627560243117981,"num_words":52,"start":993.75,"end":1015.615},{"sentences":[{"text":"It's just usually a yearly reminder from us and, you know, a couple of pointers that even Old Post has government approved kits for $25 a pop, but it is something I need to check as well.","start":1015.615,"end":1026.05,"sentiment":"neutral","sentiment_score":0.027811756659601186},{"text":"Couple of quick different questions here just because I've increased the anti money laundering checks that we need to do.","start":1030.515,"end":1037.155,"sentiment":"neutral","sentiment_score":-0.009394126711413264},{"text":"Have you ever gone through a bankruptcy or a part nine debt agreement before?","start":1037.155,"end":1041.5751,"sentiment":"neutral","sentiment_score":-0.04161863521273647},{"text":"Beautiful.","start":1044.915,"end":1045.415,"sentiment":"positive","sentiment_score":0.40139877796173096},{"text":"Just in terms of the super, like I mentioned before, and some gold here, quick update on this.","start":1048.15,"end":1054.4099,"sentiment":"neutral","sentiment_score":0.22131235270191812}],"sentiment":"neutral","sentiment_score":0.0515945855088325,"num_words":90,"start":1015.615,"end":1054.4099},{"sentences":[{"text":"We you were basically focusing on purchasing some investment properties, maybe renting out the one that you've got, changing homes, and obviously focusing on building the business.","start":1054.47,"end":1064.5951,"sentiment":"neutral","sentiment_score":0.06297293581344464},{"text":"Is that still kind of like your your three to five year focus?","start":1064.655,"end":1067.7151,"sentiment":"neutral","sentiment_score":0.06380315927358773},{"text":"Mhmm.","start":1076.655,"end":1077.03,"sentiment":"neutral","sentiment_score":0.0020129824988543987},{"text":"Yes.","start":1080.55,"end":1081.05,"sentiment":"neutral","sentiment_score":0.06565548479557037},{"text":"Yeah.","start":1097.6051,"end":1097.925,"sentiment":"neutral","sentiment_score":0.1480676531791687}],"sentiment":"neutral","sentiment_score":0.0638475920463544,"num_words":43,"start":1054.47,"end":1097.925},{"sentences":[{"text":"Build the savings up, build up the equity, that kind of thing.","start":1097.925,"end":1100.985,"sentiment":"neutral","sentiment_score":0.29173442100485164},{"text":"Beautiful.","start":1104.7201,"end":1105.2201,"sentiment":"positive","sentiment_score":0.6649170517921448},{"text":"Anything else as a major focus for the next twelve months that I've got to factor in?","start":1105.6001,"end":1109.8601,"sentiment":"neutral","sentiment_score":0.26596666872501373},{"text":"Awesome.","start":1123.695,"end":1124.195,"sentiment":"positive","sentiment_score":0.553786039352417},{"text":"The last couple of things I'll check with you and then let's see is just in terms of the way you're structuring the wages and everything from the business.","start":1124.975,"end":1133.13,"sentiment":"neutral","sentiment_score":0.12849305159059063}],"sentiment":"neutral","sentiment_score":0.21612080012758572,"num_words":60,"start":1097.925,"end":1133.13},{"sentences":[{"text":"So it looks to me like you're drawing a wage from the business and paying yourself super from that.","start":1133.13,"end":1138.01,"sentiment":"neutral","sentiment_score":0.11352362522953435},{"text":"Is that correct?","start":1138.01,"end":1138.75,"sentiment":"neutral","sentiment_score":0.07243632649381955},{"text":"Sweet.","start":1153.545,"end":1153.945,"sentiment":"neutral","sentiment_score":0.23983529210090637},{"text":"So the only thing that I kind of noticed when I went through the account this morning is that the the payments have kind of increased.","start":1153.945,"end":1161.34,"sentiment":"neutral","sentiment_score":-0.06822659433461152},{"text":"Last financial year, about 9,200 went in, and this financial year, so far, there's already $7 that's gone in.","start":1162.6,"end":1170.435,"sentiment":"neutral","sentiment_score":-0.08551192538518655}],"sentiment":"neutral","sentiment_score":-0.011537130648160683,"num_words":68,"start":1133.13,"end":1170.435},{"sentences":[{"text":"Each contribution is around about $2.2.5.","start":1171.555,"end":1174.8551,"sentiment":"neutral","sentiment_score":-0.09351404756307602},{"text":"Perfect.","start":1196.9149,"end":1197.1549,"sentiment":"positive","sentiment_score":0.6186859011650085},{"text":"So it's a bit of a catch up, if anything.","start":1197.1549,"end":1199.255,"sentiment":"neutral","sentiment_score":0.12840909361839295},{"text":"Cool.","start":1202.995,"end":1203.315,"sentiment":"neutral","sentiment_score":0.2935105264186859},{"text":"Yeah.","start":1203.315,"end":1203.5549,"sentiment":"neutral","sentiment_score":0.14651209115982056}],"sentiment":"neutral","sentiment_score":0.09377448260784149,"num_words":19,"start":1171.555,"end":1203.5549},{"sentences":[{"text":"I just wanted to flag just to make sure that you don't go over that kind of 32,500 for the cap.","start":1203.5549,"end":1210.26,"sentiment":"neutral","sentiment_score":0.03764313211043676},{"text":"But if you're paying it as a percentage on on wages over a $100, you're not gonna go over that anyway.","start":1210.5,"end":1215.88,"sentiment":"neutral","sentiment_score":-0.02644300212462743},{"text":"If you do, because you've done a catch up, they still use up the last five years worth of cap anyway, so you should be good for for a period.","start":1216.18,"end":1223.16,"sentiment":"neutral","sentiment_score":0.17798047835628192},{"text":"Just that one, you know, $40 randomly going in there for five years, if that makes sense.","start":1223.2849,"end":1227.5249,"sentiment":"neutral","sentiment_score":0.059715577456004476},{"text":"You've caught the taxes.","start":1227.5249,"end":1228.585,"sentiment":"neutral","sentiment_score":-0.0379465576261282}],"sentiment":"neutral","sentiment_score":0.06922575985632276,"num_words":93,"start":1203.5549,"end":1228.585},{"sentences":[{"text":"Yep.","start":1238.005,"end":1238.485,"sentiment":"neutral","sentiment_score":0.03071144223213196},{"text":"Okay.","start":1238.485,"end":1238.985,"sentiment":"neutral","sentiment_score":0.038940973579883575},{"text":"I'll factor that in.","start":1240.54,"end":1241.5,"sentiment":"neutral","sentiment_score":0.06683063600212336},{"text":"So what I'll do, just for the plan and the projections and everything, I'll factor in the premiums like I was saying and how that's gonna impact the super.","start":1241.5,"end":1248.3201,"sentiment":"neutral","sentiment_score":0.058379809211554196},{"text":"And then I'll just kind of base it on the, like, the 12% of your your wages as a salary, and I'll just make a note that the contributions will be a bit kind of ad hoc while you catch up.","start":1248.4601,"end":1260.4651,"sentiment":"neutral","sentiment_score":0.04535345365179748}],"sentiment":"neutral","sentiment_score":0.051177381929990495,"num_words":76,"start":1238.005,"end":1260.4651},{"sentences":[{"text":"Cool.","start":1263.805,"end":1264.305,"sentiment":"neutral","sentiment_score":0.2749403119087219},{"text":"Last thing for me, just with the the risk profile on the super, we've still got your pretty well high growth trying to aim for the high long term returns, you know, 90 to a 100% in those growth assets, like shares, property, and gold.","start":1264.765,"end":1277.52,"sentiment":"neutral","sentiment_score":0.09356252509686681},{"text":"There is a couple of options that I would like to switch out for you.","start":1278.7001,"end":1281.975,"sentiment":"neutral","sentiment_score":0.07664315452178319},{"text":"Now the returns have been pretty good, but with the legislation that came in for capital gains tax and negative gearing, the property option is starting to tumble down, which is a bit of a worry for those companies.","start":1286.775,"end":1297.98,"sentiment":"negative","sentiment_score":-0.410896442257441},{"text":"The one of the term deposits you've got, the government's gonna phase that out over the next three years, so I'll get a an easy switching for that.","start":1298.68,"end":1305.26,"sentiment":"neutral","sentiment_score":0.031834595071684034}],"sentiment":"neutral","sentiment_score":-0.07420852599170757,"num_words":128,"start":1263.805,"end":1305.26},{"sentences":[{"text":"And then one Australian shares option that's been underperforming.","start":1305.72,"end":1308.86,"sentiment":"neutral","sentiment_score":-0.044924178471167885},{"text":"So if it's okay with you, I'm looking to possibly switch that underperforming option out to something a little bit lower fee, a little bit more focused on, you know, following the market a bit closer than what this one is currently doing, but the rest of them all look really good.","start":1309.3201,"end":1326.62,"sentiment":"neutral","sentiment_score":0.11972759929127418},{"text":"Cool.","start":1330.36,"end":1330.86,"sentiment":"neutral","sentiment_score":0.2364228069782257},{"text":"I'll mix both of those into it.","start":1331.0,"end":1332.86,"sentiment":"neutral","sentiment_score":0.1571955042225974},{"text":"Are you okay for the team to kind of reach out if they need to clarify any details for the underwriting for the insurance?","start":1332.9199,"end":1338.195,"sentiment":"neutral","sentiment_score":0.07816107322772343}],"sentiment":"neutral","sentiment_score":0.09714166291298405,"num_words":93,"start":1305.72,"end":1338.195},{"sentences":[{"text":"Awesome.","start":1341.955,"end":1342.455,"sentiment":"positive","sentiment_score":0.4717804193496704},{"text":"Like I said, we'll do the quotes.","start":1343.315,"end":1344.835,"sentiment":"neutral","sentiment_score":0.3168250492640904},{"text":"We'll do the calls.","start":1344.835,"end":1345.715,"sentiment":"neutral","sentiment_score":0.24498756229877472},{"text":"Anything we need, we'll reach out to you, see if we can get a report.","start":1345.715,"end":1349.335,"sentiment":"neutral","sentiment_score":0.2434700260559718},{"text":"I'll put together the plan with the comparison, the quotes, my recommendations, and the super, and give you some updated figures in writing over the next few weeks, and it should be good to go.","start":1350.595,"end":1362.8201,"sentiment":"neutral","sentiment_score":0.31093828550406866}],"sentiment":"neutral","sentiment_score":0.2936192967237965,"num_words":62,"start":1341.955,"end":1362.8201},{"sentences":[{"text":"Cool.","start":1362.8201,"end":1363.3201,"sentiment":"positive","sentiment_score":0.3734154999256134},{"text":"Any questions for me at this point there, Tristan?","start":1366.5349,"end":1368.475,"sentiment":"neutral","sentiment_score":0.0994245492749744},{"text":"Awesome.","start":1373.495,"end":1373.995,"sentiment":"neutral","sentiment_score":0.255771279335022},{"text":"I'll get Michelle to send out your annual review packet so you've got all the certificates of currency, super performance, service guides, and everything with you.","start":1374.375,"end":1383.37,"sentiment":"neutral","sentiment_score":0.2456414928803077},{"text":"If anything does happen, like, obviously, we do help people with claims and claims advice.","start":1383.43,"end":1388.41,"sentiment":"neutral","sentiment_score":0.049689358472824095}],"sentiment":"neutral","sentiment_score":0.16646205605222628,"num_words":52,"start":1362.8201,"end":1388.41},{"sentences":[{"text":"We're probably not the first people to call if you get majorly injured, but just give us a buzz if you do, and we'll help you through that.","start":1389.03,"end":1394.89,"sentiment":"neutral","sentiment_score":-0.009714892799300807},{"text":"And just for the fee structures with Oakview, so I believe our consent expired on BT, which we'll need to fix up.","start":1395.19,"end":1404.5249,"sentiment":"neutral","sentiment_score":-0.06291451931677082},{"text":"It's still the same phase as last year, 1.65%, but we've got a tiered structure coming in.","start":1405.225,"end":1411.98,"sentiment":"neutral","sentiment_score":0.09828054379014407},{"text":"So when you get 200,000 discounts, you'll start to be applied.","start":1411.98,"end":1415.6799,"sentiment":"neutral","sentiment_score":0.1685233468359167},{"text":"Cool.","start":1419.2599,"end":1419.74,"sentiment":"positive","sentiment_score":0.7483316659927368}],"sentiment":"neutral","sentiment_score":0.03312305445912518,"num_words":79,"start":1389.03,"end":1419.74},{"sentences":[{"text":"Alrighty, mate.","start":1419.74,"end":1420.46,"sentiment":"positive","sentiment_score":0.6496194899082184},{"text":"I'll send that pack out to you, and we will talk to you in the next couple of weeks.","start":1420.46,"end":1424.655,"sentiment":"positive","sentiment_score":0.4595020193802683},{"text":"Legend, mate.","start":1428.735,"end":1429.375,"sentiment":"positive","sentiment_score":0.7211813926696777},{"text":"Have a fantastic weekend.","start":1429.375,"end":1430.755,"sentiment":"positive","sentiment_score":0.819933220744133},{"text":"Thanks, Tristan.","start":1434.8151,"end":1435.535,"sentiment":"positive","sentiment_score":0.6314508318901062}],"sentiment":"positive","sentiment_score":0.5522336096599184,"num_words":29,"start":1419.74,"end":1435.535},{"sentences":[{"text":"Bye.","start":1435.535,"end":1436.035,"sentiment":"positive","sentiment_score":0.46439823508262634}],"sentiment":"positive","sentiment_score":0.46439823508262634,"num_words":1,"start":1435.535,"end":1436.035}]}}]},{"alternatives":[{"transcript":"Hello? Good, mate. How are you going? Yeah. I bet. It's nice day down here for once. A little bit little bit cool, but she's getting better as a day at your time. Yeah. You're on my next shift. Yep. Yeah. Fifteenth of August ninety four. One plus twenty five Hoskins Avenue, Lythgaeton, New South Wales two seven nine o. Yep. Yeah, mate. Yeah. Yeah. Yeah. Give or take. Yeah. Give or take, probably ten. Yeah. Yeah. Well, I'm a I'm a subcontractor, so I work for myself. I've been in the mines for six years. I've been qualified as an electrician for almost eight years, I'd say. Eight or nine years. Yeah. Probably eight or nine years. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Potentially. Just because because I am a subcontractor working for myself, I'd kinda yeah. I'd like to stay if I if something does happen to me, I'd like to stay away from the kind of business insurance, if that makes sense. Yes. If I had you know, because I can always work something else out there. But yeah. Just yeah. I don't know. I was just trying to see what I was insured for. I thought it was a lot less than that. I thought it was only about $2,000 a month. So, yeah, that's not too bad. Yep. So what what does that what what does that so say that again. Sorry. Just so I can it's a we don't yeah. Mhmm. Right. So what's the what's the insurance on that? Yep. Because that's basically what I was calling up about. I've had a lot of friends at the moment at work, a lot of mates at work who have hurt themselves playing sports, things like, you know, ruptured ACLs and shoulder recos and all that stuff. And now we're insured for, like if they if they caught an injury or an illness, which proves that they can't work in that industry anymore, I think that was that we're insured for something. I think one mate said he was insured for 1,200,000 if he if he can't do that occupation anymore. Yep. Okay. Yeah. I might have to go I might have to increase that a little bit. Depending on the pay difference, like, how much it's gonna cost because I it's so hard to say because, you know, I don't live a hectic lifestyle where I'm playing sport on the weekends or, you know, anything like that. Like, my my sports of choice are lawn bowls and golf. You know? So I'm not playing, yeah, I'm not playing contact sport or anything like that. So the the risk of injury isn't as much as, say, you know, if I was out playing footy or whatever. But, you know, it's it's hard to say because, you you know, working for myself, yeah, that covers my wages, but it doesn't really cover the business. So yeah. Yeah. I mean yeah. What what's the what's the price difference between topping it up and what it's at now? Yeah. Absolutely. Yep. Yeah. And let's let's bump it up then because, like, because, like like you said, $7,800, if it was to add an extra $500, 600 worst case, you know, that's still sitting in a pretty decent ballpark. Yep. Yep. Yeah. That would have been that's probably the time I started in the in the pit, like, in in morning. Yep. Yeah. Yeah. Okay. Well, if I can never work ever again, it would you know, again, depending on the circumstances, if it ever did happen, you know, it depends on how it would happen. You know, car accident, work accident, something like that. You know, if I could never work again, I'd obviously wanna be because I've got a five year old son. I'd wanna be able to pay off that mortgage. And if, you know, worst case, it was a death, you know, I don't don't wanna have to pay off the house and then have a little bit left over and have family scrambling to try and pay for funerals and stuff like that. So to be able to to be able to bump that up to, I don't know, maybe the anywhere around that, probably million dollars, give or take $200, you know, around that 800 to to a million, you know, that that would be probably ideal. Again, depending on how much it's gonna cost me. Yep. Yeah. Yep. Yeah. That that was that that was a no. That was a long time ago. That wasn't that that's all sorted now. I've got no issues with my back. To be honest, I think that was just a case of being lazy, you know, being lazy and then thinking that I was as fit as what I once was. You know, now I'm probably the fittest and healthiest I've ever been in my life. You know, I don't have any back injuries. I don't have any niggling injuries. You know, I'm yeah. I think that was just a case of maybe, like, I don't know, maybe a pinched nerve or something like that. But, yeah, no. The back is completely fine. One. Just scans and checkups, mate. It was I really only went for one major checkup in a with a doctor down in Sydney, and he he basically just said, like, you know, take it easy. You know, there's there's nothing really to worry about. Get your get your fitness in check and, you know, start living in a more active lifestyle. Yeah. Of course. Yep. Yeah. Of course. I understand that. Yep. Yep. Yep. Yeah. I rather. Probably a hundred and eighty six. Yeah. Eighty nine kilos. No, sir. I got yeah. Yeah. Yeah. So I don't I don't own a car anymore. The business owns it. So me, personally, I don't own a car anymore. Yeah. Yeah. It's two to three hours paid off. It's I think that'd be worth around $8,000 once paid off. I think about $3, I think. Yep. Yep. Yep. Yep. Yeah. Yep. No. I haven't yet. It's one of those things I just, you know, never seem to remember to do. Yeah. No, mate. Yep. Yeah, mate. I I mean, I'm not in a I'm not in any rush to relocate or move at the moment. It has been a conversation with my son's mom. Her and I aren't together, but it has been a conversation possibly to move in the next maybe two years, maybe three. But, yeah, just if I can have money there ready to kind of you know, ready to hit pull the trigger and kinda go wherever they go, so I'm close to him. Yeah. Pretty much. Not really, mate. Not not really. Just the just the general life stuff. You know? Yeah. Nothing nothing that stands out. The yeah. The yeah. The business pays me super. I still need to get on top of that and make a couple of payments. But, yeah, the business pays my super, and then I pay wages as well out of the business. Yep. That's that's that's yeah. That's around that that that's that's my fault. I I was under the impression that the super would be drawn automatically. I wasn't under the impression that because I'm still a new business owner. It's really tough trying to find my feet. I I thought they were paid automatically, but they weren't. So they were well, without paying super. But I'm getting on top of that now. Yeah. Yeah. 100%. Yep. Yep. Yep. Yeah. Yeah. No. I I I don't think I even owe that much. I think I only owe myself another maybe 9,000 in super. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Okay. Yeah, mate. Yeah. Yep. Yep. Easy. Sounds good, mate. Nah. Nah. Yep. Yep. Yeah. Awesome. Very good. Sounds good. Thanks, Mike. You too. Talk soon. 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Good, mate. How are you going? Yeah. I bet.\n\nIt's nice day down here for once. A little bit little bit cool, but she's getting better as a day at your time. Yeah. You're on my next shift. Yep.\n\nYeah. Fifteenth of August ninety four. One plus twenty five Hoskins Avenue, Lythgaeton, New South Wales two seven nine o. Yep. Yeah, mate.\n\nYeah. Yeah. Yeah. Give or take. Yeah.\n\nGive or take, probably ten. Yeah. Yeah. Well, I'm a I'm a subcontractor, so I work for myself. I've been in the mines for six years.\n\nI've been qualified as an electrician for almost eight years, I'd say. Eight or nine years. Yeah. Probably eight or nine years. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. Potentially. Just because because I am a subcontractor working for myself, I'd kinda yeah. I'd like to stay if I if something does happen to me, I'd like to stay away from the kind of business insurance, if that makes sense. Yes.\n\nIf I had you know, because I can always work something else out there. But yeah. Just yeah. I don't know. I was just trying to see what I was insured for.\n\nI thought it was a lot less than that. I thought it was only about $2,000 a month. So, yeah, that's not too bad. Yep. So what what does that what what does that so say that again.\n\nSorry. Just so I can it's a we don't yeah. Mhmm. Right. So what's the what's the insurance on that?\n\nYep. Because that's basically what I was calling up about. I've had a lot of friends at the moment at work, a lot of mates at work who have hurt themselves playing sports, things like, you know, ruptured ACLs and shoulder recos and all that stuff. And now we're insured for, like if they if they caught an injury or an illness, which proves that they can't work in that industry anymore, I think that was that we're insured for something. I think one mate said he was insured for 1,200,000 if he if he can't do that occupation anymore.\n\nYep. Okay. Yeah. I might have to go I might have to increase that a little bit. Depending on the pay difference, like, how much it's gonna cost because I it's so hard to say because, you know, I don't live a hectic lifestyle where I'm playing sport on the weekends or, you know, anything like that.\n\nLike, my my sports of choice are lawn bowls and golf. You know? So I'm not playing, yeah, I'm not playing contact sport or anything like that. So the the risk of injury isn't as much as, say, you know, if I was out playing footy or whatever. But, you know, it's it's hard to say because, you you know, working for myself, yeah, that covers my wages, but it doesn't really cover the business.\n\nSo yeah. Yeah. I mean yeah. What what's the what's the price difference between topping it up and what it's at now? Yeah.\n\nAbsolutely. Yep. Yeah. And let's let's bump it up then because, like, because, like like you said, $7,800, if it was to add an extra $500, 600 worst case, you know, that's still sitting in a pretty decent ballpark. Yep.\n\nYep. Yeah. That would have been that's probably the time I started in the in the pit, like, in in morning. Yep. Yeah.\n\nYeah. Okay. Well, if I can never work ever again, it would you know, again, depending on the circumstances, if it ever did happen, you know, it depends on how it would happen. You know, car accident, work accident, something like that. You know, if I could never work again, I'd obviously wanna be because I've got a five year old son.\n\nI'd wanna be able to pay off that mortgage. And if, you know, worst case, it was a death, you know, I don't don't wanna have to pay off the house and then have a little bit left over and have family scrambling to try and pay for funerals and stuff like that. So to be able to to be able to bump that up to, I don't know, maybe the anywhere around that, probably million dollars, give or take $200, you know, around that 800 to to a million, you know, that that would be probably ideal. Again, depending on how much it's gonna cost me. Yep.\n\nYeah. Yep. Yeah. That that was that that was a no. That was a long time ago.\n\nThat wasn't that that's all sorted now. I've got no issues with my back. To be honest, I think that was just a case of being lazy, you know, being lazy and then thinking that I was as fit as what I once was. You know, now I'm probably the fittest and healthiest I've ever been in my life. You know, I don't have any back injuries.\n\nI don't have any niggling injuries. You know, I'm yeah. I think that was just a case of maybe, like, I don't know, maybe a pinched nerve or something like that. But, yeah, no. The back is completely fine.\n\nOne. Just scans and checkups, mate. It was I really only went for one major checkup in a with a doctor down in Sydney, and he he basically just said, like, you know, take it easy. You know, there's there's nothing really to worry about. Get your get your fitness in check and, you know, start living in a more active lifestyle.\n\nYeah. Of course. Yep. Yeah. Of course.\n\nI understand that. Yep. Yep. Yep. Yeah.\n\nI rather. Probably a hundred and eighty six. Yeah. Eighty nine kilos. No, sir.\n\nI got yeah. Yeah. Yeah. So I don't I don't own a car anymore. The business owns it.\n\nSo me, personally, I don't own a car anymore. Yeah. Yeah. It's two to three hours paid off. It's I think that'd be worth around $8,000 once paid off.\n\nI think about $3, I think. Yep. Yep. Yep. Yep.\n\nYeah. Yep. No. I haven't yet. It's one of those things I just, you know, never seem to remember to do.\n\nYeah. No, mate. Yep. Yeah, mate. I I mean, I'm not in a I'm not in any rush to relocate or move at the moment.\n\nIt has been a conversation with my son's mom. Her and I aren't together, but it has been a conversation possibly to move in the next maybe two years, maybe three. But, yeah, just if I can have money there ready to kind of you know, ready to hit pull the trigger and kinda go wherever they go, so I'm close to him. Yeah. Pretty much.\n\nNot really, mate. Not not really. Just the just the general life stuff. You know? Yeah.\n\nNothing nothing that stands out. The yeah. The yeah. The business pays me super. I still need to get on top of that and make a couple of payments.\n\nBut, yeah, the business pays my super, and then I pay wages as well out of the business. Yep. That's that's that's yeah. That's around that that that's that's my fault. I I was under the impression that the super would be drawn automatically.\n\nI wasn't under the impression that because I'm still a new business owner. It's really tough trying to find my feet. I I thought they were paid automatically, but they weren't. So they were well, without paying super. But I'm getting on top of that now.\n\nYeah. Yeah. 100%. Yep. Yep.\n\nYep. Yeah. Yeah. No. I I I don't think I even owe that much.\n\nI think I only owe myself another maybe 9,000 in super. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yep. Okay. Yeah, mate.\n\nYeah. Yep. Yep. Easy. Sounds good, mate.\n\nNah. Nah. Yep. Yep. Yeah.\n\nAwesome. Very good. Sounds good. Thanks, Mike. You too.\n\nTalk soon. Mate.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.04965462163090706},{"text":"Good, mate.","start":6.48,"end":7.04,"sentiment":"positive","sentiment_score":0.407686322927475},{"text":"How are you going?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.31148364394903183},{"text":"Yeah.","start":12.805,"end":13.045,"sentiment":"neutral","sentiment_score":0.1917760968208313},{"text":"I bet.","start":13.045,"end":13.445001,"sentiment":"neutral","sentiment_score":0.24495434761047363}],"sentiment":"neutral","sentiment_score":0.2792646635323763,"num_words":10,"start":1.04,"end":13.445001},{"sentences":[{"text":"It's nice day down here for once.","start":13.445001,"end":15.125,"sentiment":"positive","sentiment_score":0.5290016531944275},{"text":"A little bit little bit cool, but she's getting better as a day at your 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o.","start":47.625,"end":51.965,"sentiment":"neutral","sentiment_score":0.017393085839492933},{"text":"Yep.","start":62.7,"end":63.2,"sentiment":"neutral","sentiment_score":0.1720135509967804},{"text":"Yeah, mate.","start":74.555,"end":75.035,"sentiment":"neutral","sentiment_score":0.11803780868649483}],"sentiment":"neutral","sentiment_score":0.033191781491041183,"num_words":23,"start":40.025,"end":75.035},{"sentences":[{"text":"Yeah.","start":75.035,"end":75.275,"sentiment":"neutral","sentiment_score":0.120468869805336},{"text":"Yeah.","start":75.275,"end":75.775,"sentiment":"neutral","sentiment_score":0.2075388878583908},{"text":"Yeah.","start":97.815,"end":98.135,"sentiment":"neutral","sentiment_score":0.004331468604505062},{"text":"Give or take.","start":98.135,"end":99.015,"sentiment":"neutral","sentiment_score":-0.011799360935886702},{"text":"Yeah.","start":99.015,"end":99.255,"sentiment":"neutral","sentiment_score":0.0027287760749459267}],"sentiment":"neutral","sentiment_score":0.042809988505073955,"num_words":7,"start":75.035,"end":99.255},{"sentences":[{"text":"Give or take, probably ten.","start":99.255,"end":100.635,"sentiment":"neutral","sentiment_score":-0.003803745470941067},{"text":"Yeah.","start":107.335,"end":107.575,"sentiment":"neutral","sentiment_score":0.0400373674929142},{"text":"Yeah.","start":107.575,"end":108.075,"sentiment":"neutral","sentiment_score":-0.0032236077822744846},{"text":"Well, I'm a I'm a subcontractor, so I work for myself.","start":108.215,"end":110.875,"sentiment":"neutral","sentiment_score":0.012520264326171442},{"text":"I've been in the mines for six 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because because I am a subcontractor working for myself, I'd kinda yeah.","start":218.685,"end":227.14,"sentiment":"neutral","sentiment_score":-0.19371743041735429},{"text":"I'd like to stay if I if something does happen to me, I'd like to stay away from the kind of business insurance, if that makes sense.","start":227.14,"end":234.51999,"sentiment":"neutral","sentiment_score":-0.25571040753965024},{"text":"Yes.","start":237.935,"end":238.335,"sentiment":"neutral","sentiment_score":0.21810607612133023}],"sentiment":"neutral","sentiment_score":-0.21731637608866358,"num_words":43,"start":215.085,"end":238.335},{"sentences":[{"text":"If I had you know, because I can always work something else out there.","start":238.335,"end":242.115,"sentiment":"neutral","sentiment_score":0.08529559576085635},{"text":"But yeah.","start":242.735,"end":243.395,"sentiment":"neutral","sentiment_score":0.0461951345205307},{"text":"Just 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bad.","start":254.91,"end":256.69,"sentiment":"neutral","sentiment_score":0.2734043076634407},{"text":"Yep.","start":266.775,"end":267.275,"sentiment":"positive","sentiment_score":0.3645370900630951},{"text":"So what what does that what what does that so say that again.","start":284.84,"end":288.44,"sentiment":"neutral","sentiment_score":-0.08905208024841088}],"sentiment":"neutral","sentiment_score":-0.0581522531023151,"num_words":38,"start":248.015,"end":288.44},{"sentences":[{"text":"Sorry.","start":288.44,"end":288.76,"sentiment":"neutral","sentiment_score":-0.07053737342357635},{"text":"Just so I can it's a we don't yeah.","start":288.76,"end":293.995,"sentiment":"neutral","sentiment_score":0.005189586844709184},{"text":"Mhmm.","start":312.61002,"end":313.11002,"sentiment":"neutral","sentiment_score":0.028450466692447662},{"text":"Right.","start":321.495,"end":321.995,"sentiment":"neutral","sentiment_score":0.08562485873699188},{"text":"So what's the what's the insurance on 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so hard to say because, you know, I don't live a hectic lifestyle where I'm playing sport on the weekends or, you know, anything like that.","start":414.435,"end":427.38,"sentiment":"neutral","sentiment_score":-0.13201811732724308}],"sentiment":"neutral","sentiment_score":-0.15260504088119456,"num_words":57,"start":372.1,"end":427.38},{"sentences":[{"text":"Like, my my sports of choice are lawn bowls and golf.","start":427.38,"end":430.25998,"sentiment":"neutral","sentiment_score":-0.027612691237167877},{"text":"You know?","start":430.25998,"end":430.74,"sentiment":"neutral","sentiment_score":-0.07465329766273499},{"text":"So I'm not playing, yeah, I'm not playing contact sport or anything like that.","start":430.74,"end":435.475,"sentiment":"neutral","sentiment_score":-0.20259680705411093},{"text":"So the the risk of injury isn't as much as, say, you know, if I was out playing footy or whatever.","start":435.475,"end":441.33502,"sentiment":"negative","sentiment_score":-0.3388835589090983},{"text":"But, you know, it's it's hard to say because, you you know, working for myself, yeah, that covers my wages, but it doesn't really cover the business.","start":442.83502,"end":450.12,"sentiment":"negative","sentiment_score":-0.3553582253279509}],"sentiment":"neutral","sentiment_score":-0.26667504424850147,"num_words":75,"start":427.38,"end":450.12},{"sentences":[{"text":"So yeah.","start":451.3,"end":453.0,"sentiment":"neutral","sentiment_score":-0.20670068264007568},{"text":"Yeah.","start":453.69998,"end":454.19998,"sentiment":"neutral","sentiment_score":-0.1398005187511444},{"text":"I mean yeah.","start":456.09998,"end":456.81998,"sentiment":"neutral","sentiment_score":-0.1497696985801061},{"text":"What what's the what's the price difference between topping it up and what it's at 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million dollars, give or take $200, you know, around that 800 to to a million, you know, that that would be probably ideal.","start":653.83,"end":671.265,"sentiment":"neutral","sentiment_score":0.09816542582379448},{"text":"Again, depending on how much it's gonna cost me.","start":671.265,"end":673.53,"sentiment":"neutral","sentiment_score":0.030360700355635747},{"text":"Yep.","start":684.65,"end":685.15,"sentiment":"neutral","sentiment_score":0.3283594846725464}],"sentiment":"neutral","sentiment_score":-0.12091121981265368,"num_words":108,"start":639.815,"end":685.15},{"sentences":[{"text":"Yeah.","start":688.185,"end":688.685,"sentiment":"neutral","sentiment_score":0.20975786447525024},{"text":"Yep.","start":691.865,"end":692.365,"sentiment":"neutral","sentiment_score":0.05025370791554451},{"text":"Yeah.","start":710.60004,"end":711.0,"sentiment":"neutral","sentiment_score":-0.11470263451337814},{"text":"That that was that that was a no.","start":711.0,"end":714.76495,"sentiment":"neutral","sentiment_score":-0.11555734649300575},{"text":"That was a long time ago.","start":714.76495,"end":715.96497,"sentiment":"neutral","sentiment_score":-0.20648758361736932}],"sentiment":"neutral","sentiment_score":-0.11871031386887326,"num_words":17,"start":688.185,"end":715.96497},{"sentences":[{"text":"That wasn't that that's all sorted now.","start":715.96497,"end":717.565,"sentiment":"neutral","sentiment_score":-0.17311074265411922},{"text":"I've got no issues with my back.","start":717.565,"end":719.26495,"sentiment":"neutral","sentiment_score":-0.02988013518708093},{"text":"To be honest, I think that was just a case of being lazy, you know, being lazy and then thinking that I was as fit as what I once was.","start":719.565,"end":727.665,"sentiment":"negative","sentiment_score":-0.40110696057478584},{"text":"You know, now I'm probably the fittest and healthiest I've ever been in my 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six.","start":879.955,"end":881.895,"sentiment":"neutral","sentiment_score":0.016817748546600342},{"text":"Yeah.","start":893.67004,"end":894.17004,"sentiment":"neutral","sentiment_score":0.023514922708272937},{"text":"Eighty nine kilos.","start":894.63,"end":896.25,"sentiment":"neutral","sentiment_score":0.012076634603242079},{"text":"No, sir.","start":903.99005,"end":904.39,"sentiment":"neutral","sentiment_score":-0.12906914204359055}],"sentiment":"neutral","sentiment_score":-0.0003918543058846678,"num_words":14,"start":862.675,"end":904.39},{"sentences":[{"text":"I got yeah.","start":904.39,"end":905.29004,"sentiment":"neutral","sentiment_score":-0.09419465065002441},{"text":"Yeah.","start":910.935,"end":911.435,"sentiment":"neutral","sentiment_score":-0.03929479792714119},{"text":"Yeah.","start":911.81494,"end":912.31494,"sentiment":"neutral","sentiment_score":-0.02994360774755478},{"text":"So I don't I don't own a car anymore.","start":922.8,"end":927.22,"sentiment":"neutral","sentiment_score":-0.11833187565207481},{"text":"The business owns it.","start":927.52,"end":928.82,"sentiment":"neutral","sentiment_score":-0.0732713583856821}],"sentiment":"neutral","sentiment_score":-0.09499414844645394,"num_words":18,"start":904.39,"end":928.82},{"sentences":[{"text":"So me, personally, I don't own a car anymore.","start":931.805,"end":934.065,"sentiment":"neutral","sentiment_score":-0.09443482673830456},{"text":"Yeah.","start":939.485,"end":939.725,"sentiment":"neutral","sentiment_score":-0.024222079664468765},{"text":"Yeah.","start":939.725,"end":939.96497,"sentiment":"neutral","sentiment_score":0.00021274760365486145},{"text":"It's two to three hours paid off.","start":939.96497,"end":941.40497,"sentiment":"neutral","sentiment_score":0.0073118331347359344},{"text":"It's I think that'd be worth around $8,000 once paid off.","start":941.40497,"end":945.58496,"sentiment":"neutral","sentiment_score":0.023090592670169743}],"sentiment":"neutral","sentiment_score":-0.019611842116915044,"num_words":29,"start":931.805,"end":945.58496},{"sentences":[{"text":"I think about $3, I think.","start":951.79,"end":953.89,"sentiment":"neutral","sentiment_score":-0.0399201155329744},{"text":"Yep.","start":959.95,"end":960.45,"sentiment":"neutral","sentiment_score":-0.31962233781814575},{"text":"Yep.","start":963.945,"end":964.445,"sentiment":"neutral","sentiment_score":0.07765617966651917},{"text":"Yep.","start":978.31,"end":978.81,"sentiment":"neutral","sentiment_score":0.09814050048589706},{"text":"Yep.","start":988.47,"end":988.97,"sentiment":"neutral","sentiment_score":0.10418008267879486}],"sentiment":"neutral","sentiment_score":-0.027916626818478108,"num_words":10,"start":951.79,"end":988.97},{"sentences":[{"text":"Yeah.","start":1000.145,"end":1000.385,"sentiment":"neutral","sentiment_score":0.10367768257856368},{"text":"Yep.","start":1000.385,"end":1000.885,"sentiment":"neutral","sentiment_score":0.0831785798072815},{"text":"No.","start":1007.55,"end":1007.87,"sentiment":"neutral","sentiment_score":-0.13895447552204132},{"text":"I haven't yet.","start":1007.87,"end":1008.75,"sentiment":"neutral","sentiment_score":-0.16230320433775583},{"text":"It's one of those things I just, you know, never seem to remember to do.","start":1008.75,"end":1013.25,"sentiment":"neutral","sentiment_score":-0.16644721627235412}],"sentiment":"neutral","sentiment_score":-0.13979600334451311,"num_words":21,"start":1000.145,"end":1013.25},{"sentences":[{"text":"Yeah.","start":1023.825,"end":1024.325,"sentiment":"neutral","sentiment_score":-0.008767934516072273},{"text":"No, mate.","start":1042.36,"end":1043.1,"sentiment":"neutral","sentiment_score":0.026393553242087364},{"text":"Yep.","start":1065.2401,"end":1065.7401,"sentiment":"neutral","sentiment_score":0.05676576495170593},{"text":"Yeah, mate.","start":1068.4401,"end":1069.0801,"sentiment":"neutral","sentiment_score":0.075834009796381},{"text":"I I mean, I'm not in a I'm not in any rush to relocate or move at the moment.","start":1069.0801,"end":1074.585,"sentiment":"neutral","sentiment_score":-0.09141770142473672}],"sentiment":"neutral","sentiment_score":-0.0593793348222971,"num_words":25,"start":1023.825,"end":1074.585},{"sentences":[{"text":"It has been a conversation with my son's mom.","start":1074.9049,"end":1077.3049,"sentiment":"neutral","sentiment_score":-0.012887694290839136},{"text":"Her and I aren't together, but it has been a conversation possibly to move in the next maybe two years, maybe three.","start":1077.3049,"end":1085.725,"sentiment":"neutral","sentiment_score":0.03825490557673303},{"text":"But, yeah, just if I can have money there ready to kind of you know, ready to hit pull the trigger and kinda go wherever they go, so I'm close to him.","start":1086.985,"end":1095.85,"sentiment":"neutral","sentiment_score":0.20445156074129045},{"text":"Yeah.","start":1101.27,"end":1101.59,"sentiment":"neutral","sentiment_score":0.20270410180091855},{"text":"Pretty much.","start":1101.59,"end":1102.3301,"sentiment":"positive","sentiment_score":0.3768373727798462}],"sentiment":"neutral","sentiment_score":0.12461284038109818,"num_words":66,"start":1074.9049,"end":1102.3301},{"sentences":[{"text":"Not really, mate.","start":1111.265,"end":1112.225,"sentiment":"neutral","sentiment_score":-0.13350590070088705},{"text":"Not not really.","start":1112.225,"end":1113.185,"sentiment":"neutral","sentiment_score":-0.17098268369833627},{"text":"Just the just the general life stuff.","start":1113.185,"end":1115.765,"sentiment":"neutral","sentiment_score":0.007796241236584527},{"text":"You know?","start":1116.13,"end":1116.7899,"sentiment":"neutral","sentiment_score":-0.008236528374254704},{"text":"Yeah.","start":1118.13,"end":1118.53,"sentiment":"neutral","sentiment_score":0.06593119353055954}],"sentiment":"neutral","sentiment_score":-0.05058962048497051,"num_words":16,"start":1111.265,"end":1118.53},{"sentences":[{"text":"Nothing nothing that stands out.","start":1118.53,"end":1120.3099,"sentiment":"neutral","sentiment_score":0.1814822554588318},{"text":"The yeah.","start":1140.375,"end":1140.855,"sentiment":"neutral","sentiment_score":0.03642398118972778},{"text":"The yeah.","start":1140.855,"end":1141.095,"sentiment":"neutral","sentiment_score":0.04233504459261894},{"text":"The business pays me super.","start":1141.095,"end":1142.715,"sentiment":"neutral","sentiment_score":0.10403159409761428},{"text":"I still need to get on top of that and make a couple of payments.","start":1143.62,"end":1146.5,"sentiment":"neutral","sentiment_score":0.07727626785635948}],"sentiment":"neutral","sentiment_score":0.09462866611007986,"num_words":29,"start":1118.53,"end":1146.5},{"sentences":[{"text":"But, yeah, the business pays my super, and then I pay wages as well out of the business.","start":1146.5,"end":1151.24,"sentiment":"neutral","sentiment_score":0.02257580951684051},{"text":"Yep.","start":1171.035,"end":1171.3551,"sentiment":"neutral","sentiment_score":-0.0011246614158153534},{"text":"That's that's that's yeah.","start":1171.3551,"end":1175.75,"sentiment":"neutral","sentiment_score":-0.09570403024554253},{"text":"That's around that that that's that's my fault.","start":1175.75,"end":1177.91,"sentiment":"negative","sentiment_score":-0.37652125768363476},{"text":"I I was under the impression that the super would be drawn automatically.","start":1177.91,"end":1181.67,"sentiment":"neutral","sentiment_score":-0.08321572496340825}],"sentiment":"neutral","sentiment_score":-0.09253524311564186,"num_words":44,"start":1146.5,"end":1181.67},{"sentences":[{"text":"I wasn't under the impression that because I'm still a new business owner.","start":1181.67,"end":1184.47,"sentiment":"neutral","sentiment_score":-0.12125705698361763},{"text":"It's really tough trying to find my feet.","start":1184.47,"end":1186.57,"sentiment":"neutral","sentiment_score":-0.2514880411326885},{"text":"I I thought they were paid automatically, but they weren't.","start":1186.8949,"end":1189.7749,"sentiment":"neutral","sentiment_score":-0.12391064092516899},{"text":"So they were well, without paying super.","start":1189.7749,"end":1192.355,"sentiment":"neutral","sentiment_score":-0.04008566268852779},{"text":"But I'm getting on top of that now.","start":1192.815,"end":1194.6749,"sentiment":"neutral","sentiment_score":0.10480236914008856}],"sentiment":"neutral","sentiment_score":-0.09281593836520029,"num_words":46,"start":1181.67,"end":1194.6749},{"sentences":[{"text":"Yeah.","start":1199.855,"end":1200.1749,"sentiment":"neutral","sentiment_score":0.08295150101184845},{"text":"Yeah.","start":1200.1749,"end":1200.4149,"sentiment":"neutral","sentiment_score":0.13436748087406158},{"text":"100%.","start":1200.4149,"end":1201.315,"sentiment":"neutral","sentiment_score":0.2060738205909729},{"text":"Yep.","start":1211.17,"end":1211.67,"sentiment":"neutral","sentiment_score":-0.023790007457137108},{"text":"Yep.","start":1214.8049,"end":1215.3049,"sentiment":"neutral","sentiment_score":-0.06981077790260315}],"sentiment":"neutral","sentiment_score":0.06595840342342854,"num_words":5,"start":1199.855,"end":1215.3049},{"sentences":[{"text":"Yep.","start":1223.5249,"end":1224.0249,"sentiment":"neutral","sentiment_score":0.04823192209005356},{"text":"Yeah.","start":1228.2101,"end":1228.7101,"sentiment":"neutral","sentiment_score":-0.014116160571575165},{"text":"Yeah.","start":1229.25,"end":1229.65,"sentiment":"neutral","sentiment_score":-0.029143569990992543},{"text":"No.","start":1229.65,"end":1229.89,"sentiment":"neutral","sentiment_score":-0.11247149854898451},{"text":"I I I don't think I even owe that much.","start":1229.89,"end":1231.89,"sentiment":"neutral","sentiment_score":-0.1643207162618637}],"sentiment":"neutral","sentiment_score":-0.12505046211715257,"num_words":14,"start":1223.5249,"end":1231.89},{"sentences":[{"text":"I think I only owe myself another maybe 9,000 in super.","start":1231.89,"end":1235.5901,"sentiment":"neutral","sentiment_score":-0.12226863340897993},{"text":"Yep.","start":1248.825,"end":1249.325,"sentiment":"neutral","sentiment_score":0.04311513528227806},{"text":"Yep.","start":1256.105,"end":1256.605,"sentiment":"neutral","sentiment_score":0.05463464185595512},{"text":"Yep.","start":1261.06,"end":1261.56,"sentiment":"neutral","sentiment_score":0.12194913625717164},{"text":"Yep.","start":1284.525,"end":1284.845,"sentiment":"neutral","sentiment_score":0.05259548872709274}],"sentiment":"neutral","sentiment_score":-0.07151070435841879,"num_words":15,"start":1231.89,"end":1284.845},{"sentences":[{"text":"Yep.","start":1284.845,"end":1285.345,"sentiment":"neutral","sentiment_score":0.03133430331945419},{"text":"Yeah.","start":1298.8201,"end":1299.3201,"sentiment":"neutral","sentiment_score":-0.06748823821544647},{"text":"Yep.","start":1323.47,"end":1323.97,"sentiment":"neutral","sentiment_score":0.10940372943878174},{"text":"Okay.","start":1327.47,"end":1327.97,"sentiment":"neutral","sentiment_score":0.1460094153881073},{"text":"Yeah, mate.","start":1339.0349,"end":1339.595,"sentiment":"neutral","sentiment_score":0.10243931412696838}],"sentiment":"neutral","sentiment_score":0.07068963969747226,"num_words":6,"start":1284.845,"end":1339.595},{"sentences":[{"text":"Yeah.","start":1339.595,"end":1340.095,"sentiment":"neutral","sentiment_score":0.21371284127235413},{"text":"Yep.","start":1348.33,"end":1348.83,"sentiment":"neutral","sentiment_score":0.22151672840118408},{"text":"Yep.","start":1361.5349,"end":1362.0349,"sentiment":"positive","sentiment_score":0.376048743724823},{"text":"Easy.","start":1363.5349,"end":1364.0349,"sentiment":"positive","sentiment_score":0.38925427198410034},{"text":"Sounds good, mate.","start":1364.255,"end":1365.1549,"sentiment":"positive","sentiment_score":0.4360615909099579}],"sentiment":"positive","sentiment_score":0.3583881940160479,"num_words":7,"start":1339.595,"end":1365.1549},{"sentences":[{"text":"Nah.","start":1369.2949,"end":1369.695,"sentiment":"neutral","sentiment_score":0.021658988669514656},{"text":"Nah.","start":1369.695,"end":1370.195,"sentiment":"neutral","sentiment_score":0.0692930817604065},{"text":"Yep.","start":1383.98,"end":1384.48,"sentiment":"neutral","sentiment_score":-0.0005096706445328891},{"text":"Yep.","start":1394.045,"end":1394.545,"sentiment":"neutral","sentiment_score":0.06892138719558716},{"text":"Yeah.","start":1416.4,"end":1416.64,"sentiment":"positive","sentiment_score":0.5166565179824829}],"sentiment":"neutral","sentiment_score":0.13520406099269167,"num_words":5,"start":1369.2949,"end":1416.64},{"sentences":[{"text":"Awesome.","start":1416.64,"end":1417.14,"sentiment":"positive","sentiment_score":0.8042461276054382},{"text":"Very good.","start":1425.485,"end":1426.125,"sentiment":"positive","sentiment_score":0.8636165857315063},{"text":"Sounds good.","start":1426.125,"end":1426.865,"sentiment":"positive","sentiment_score":0.8210275173187256},{"text":"Thanks, Mike.","start":1431.485,"end":1432.125,"sentiment":"positive","sentiment_score":0.7992607951164246},{"text":"You too.","start":1432.125,"end":1432.525,"sentiment":"positive","sentiment_score":0.5873870551586151}],"sentiment":"positive","sentiment_score":0.7718700038062202,"num_words":9,"start":1416.64,"end":1432.525},{"sentences":[{"text":"Talk soon.","start":1432.525,"end":1433.3451,"sentiment":"positive","sentiment_score":0.4316701889038086},{"text":"Mate.","start":1436.6829,"end":1437.1829,"sentiment":"neutral","sentiment_score":-0.11221670359373093}],"sentiment":"neutral","sentiment_score":0.25037455807129544,"num_words":3,"start":1432.525,"end":1437.1829}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Tristan. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Good, mate. How are you going?\n\nChannel 0: Living the dream. It's a beautiful Friday on the Gold Coast. Mate, what about your end?\n\nChannel 1: Yeah. I bet. It's nice day down here for once. A little bit little bit cool, but she's getting better as a day at your time.\n\nChannel 0: That's what we like to hear, mate. I've got you booked in. Michelle let me know that you were trying to get some insurances looked at. Do you mind if I just go through a quick security check with you?\n\nChannel 1: Yeah. You're on my next shift.\n\nChannel 0: Beautiful. So I'm registered with our ticket advisor 1273105. Are you okay for the call\n\nChannel 1: Yep.\n\nChannel 0: to be recorded?\n\nChannel 1: Yeah.\n\nChannel 0: Beauty. And I just need your date of birth and address for security.\n\nChannel 1: Fifteenth of August ninety four. One plus twenty five Hoskins Avenue, Lythgaeton, New South Wales two seven nine o.\n\nChannel 0: Sensational. Thank you so much for that, mate. I've had a bit of a deep dive on the file just to get a bit of a handle on what insurances you currently have\n\nChannel 1: Yep.\n\nChannel 0: and few questions to kind of see what we can get you. I was also just gonna quickly touch base on on the two because there's a few changes I'd like to make on that as well if you do have a few minutes.\n\nChannel 1: Yeah, mate. Yeah. Yeah.\n\nChannel 0: Beautiful. Now when it comes to the details we have on file, I believe Michelle's updated most of it, so thank you very much for that. I just want to quickly double check with you income level. The 110,000 that we've got, is that is that current from this\n\nChannel 1: Yeah. Give or take. Yeah. Give or take, probably ten.\n\nChannel 0: year? Yep. Okay. So between about a 100 to a 120 depending on, like, OT and stuff like that.\n\nChannel 1: Yeah. Yeah. Well, I'm a I'm a subcontractor, so I work for myself.\n\nChannel 0: Beautiful. Okay. So electrician, underground mining, prequalified, six years, that kind of thing.\n\nChannel 1: I've been in the mines for six years. I've been qualified as an electrician for almost eight years, I'd say. Eight or nine years. Yeah. Probably eight or nine years.\n\nChannel 0: Yep. Four, five, eight, or nine years. Beautiful. Alrighty. So having a look at what you've currently got, we've got some income protection in there as well.\n\nChannel 1: Yep.\n\nChannel 0: Now good news for you. So Al is one of the sort of biggest insurers. They've taken over BT. They bought out their life insurance side of things. So it's still owned through BT, but it's insured through TEL at the moment.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You've got an income protection policy at the moment, $5,089 a month worth of cover, and it's a it's a thirty day waiting period. So if you had to work for a month, it kicks in, and it pays out for up to five years per injury or illness, if that makes\n\nChannel 1: Yep.\n\nChannel 0: sense. Now just based on, like, cover levels, because you've had the policy since 2019, they can insure you for 75% of your income, which they capped it at 70 percent for anyone after 2021. So you've kind of got the the bigger type of policy, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So based on that, the maximum that you can have is 6,875 a month, a little bit above what you've currently got insured for. So you're thinking\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: of just a bit of a top up?\n\nChannel 1: Potentially. Just because because I am a subcontractor working for myself, I'd kinda yeah. I'd like to stay if I if something does happen to me, I'd like to stay away from the kind of business insurance, if that makes sense.\n\nChannel 0: Yeah. Yep. I get you.\n\nChannel 1: Yes. If I had you know, because I can always work something else out there. But yeah. Just yeah. I don't know.\n\nI was just trying to see what I was insured for. I thought it was a lot less than that. I thought it was only about $2,000 a month. So, yeah, that's not too bad.\n\nChannel 0: Cool. So with the the 5,000 you've got, that's obviously pretax. So that'll kick in about $1,000 a week after tax that will go to you.\n\nChannel 1: Yep.\n\nChannel 0: You do have an own occupation policy too, which is a lot better than in any occupation. It basically means that if you can't do the job that they insured you for, it'll kick in rather than saying, oh, can you go back and do this part of the job or that part of the job?\n\nChannel 1: So what what does that what what does that so say that again. Sorry. Just so I can\n\nChannel 0: Easy\n\nChannel 1: it's a\n\nChannel 0: done.\n\nChannel 1: we don't yeah.\n\nChannel 0: Let's say you're out of work for injury or illness for, like, a month. Right? The main definition that everyone usually gets is in any occupation, which basically says you can't complete any occupation that you're reasonably suited to doing, Whereas you've\n\nChannel 1: Mhmm.\n\nChannel 0: got an own occupation definition, which basically means if you can't do what they insured you for specifically, then you're good to go.\n\nChannel 1: Right. So what's\n\nChannel 0: And\n\nChannel 1: the\n\nChannel 0: it\n\nChannel 1: what's\n\nChannel 0: basically\n\nChannel 1: the insurance\n\nChannel 0: just means\n\nChannel 1: on that?\n\nChannel 0: that you don't have to go, That's the 5,000 a month for the income protection.\n\nChannel 1: Yep. Because that's basically what I was calling up about. I've had a lot of friends at the moment at work, a lot of mates at work who have hurt themselves playing sports, things like, you know, ruptured ACLs and shoulder recos and all that stuff. And now we're insured\n\nChannel 0: Yeah.\n\nChannel 1: for, like if they if they caught an injury or an illness, which proves that they can't work in that industry anymore, I think that was that we're insured for something. I think one mate said he was insured for 1,200,000 if he if he can't do that occupation anymore.\n\nChannel 0: Right. Right. They may be talking about, like, the big lump sum stuff, PPD,\n\nChannel 1: Yep.\n\nChannel 0: which is, like, total disablement. So income protection is if you're out of work temporarily for a few months. PPD is if you're permanently unable to work.\n\nChannel 1: Okay.\n\nChannel 0: And you've got a little bit of that. Let me just have a quick look at what we've got. We've got 382,000 worth of life insurance and total disability linking up next to that income protection.\n\nChannel 1: Yeah. I might have to go I might have to increase that a little bit.\n\nChannel 0: Yeah. So for the income protection, do you think the 5,000 a month will sort of cover the the bills as much as you need? You don't need me to top that one up. Just focus on the other two.\n\nChannel 1: Depending on the pay difference, like, how much it's gonna cost because I it's so hard to say because, you know, I don't live a hectic lifestyle where I'm playing sport on the weekends or, you know, anything like that. Like, my my sports of choice are lawn bowls and golf. You know? So I'm not playing,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, I'm not playing contact sport or anything like that. So the the risk of injury isn't as much as, say, you know, if I was out playing footy or whatever. But, you know,\n\nChannel 0: Yeah.\n\nChannel 1: it's it's hard to say because, you you know, working for myself, yeah, that covers my wages, but it doesn't really cover the business. So\n\nChannel 0: No.\n\nChannel 1: yeah. Yeah. I mean yeah. What what's the what's the price difference between topping it up and what it's at now?\n\nChannel 0: Well, the total for all three of them is about 1,700 a year at the moment, $17.50, which is actually pretty pretty cheap compared to a lot of them out there, which are about $2.5.03 grand. So I\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: Absolutely.\n\nChannel 0: estimate I'll do some quotes. But if you bump that up to the maximum for the income protection, I would say that might bump an extra $4,500 on, and I've got to do the quotes for, like, the life and disability insurance as well. But you've got a lot going in in contributions and growth as well. So compared to most people, I'm not too worried that it's gonna, like, eat away at super too much, but I do put\n\nChannel 1: Yep.\n\nChannel 0: a bit of a cap on it. I've gotta make sure it's basically below 30% of your contribution.\n\nChannel 1: Yeah. And let's let's bump it up then because, like, because, like like you said, $7,800, if it was to add an extra $500, 600 worst case, you know, that's still sitting in a pretty decent ballpark.\n\nChannel 0: Yeah. And when I put this together so we'll do the quote. I'll put it together and update a statement of advice, and then you can say, oh, look. When when I see the breakdown in writing, I wanna go ahead with this and not that. I'll go\n\nChannel 1: Yep.\n\nChannel 0: for all three, and then you let me know what you wanna go ahead with.\n\nChannel 1: Yep.\n\nChannel 0: Couple of things too. So the red flags that I've gotta kinda work through in the background, in 2019, that own occupation definition, I'm assuming that lines up then with you doing electrical work back then when that was applied for.\n\nChannel 1: Yeah. That would have been that's probably the time I started in the in the pit, like, in in morning.\n\nChannel 0: Yep. Okay. So what I basically do is we call the the current insurer and other insurers kind of anonymously just to underwrite, like, what they would do for the occupation rating.\n\nChannel 1: Yep.\n\nChannel 0: Because any increasing cover goes through, like, the health and medical and occupation questions. Underground's usually a bit rough, but electrician qualified is usually gonna be good. So it's gonna settle\n\nChannel 1: Yeah.\n\nChannel 0: somewhere between the two, and I'm just gonna have to do some negotiation.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: For the the lump sum covers like that total disablement that we're saying, we've got just under 400 at the moment. And I think I've got your your mortgage listed about $3.50. So I'm just wondering, are you wanting to approach that kind of million dollar full top up or just cover the mortgage? What what are you sort of thinking for the lump sums if you could never work ever again?\n\nChannel 1: Well, if I can never work ever again, it would you know, again, depending on the circumstances, if it ever did happen, you know, it depends on how it would happen. You know, car accident, work accident, something like that. You know, if I could never work again, I'd obviously wanna be because I've got a five year old son. I'd wanna be able to pay off that mortgage. And if, you know, worst case, it was a death, you know, I don't don't wanna have to pay off the house and then have a little bit left over and have family scrambling to try and pay for funerals and stuff like that.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: to be\n\nChannel 0: So\n\nChannel 1: able to to be able to bump that up to, I don't know, maybe the anywhere around that, probably million dollars, give or take $200, you know, around that 800 to to a million, you know, that that would be probably ideal. Again, depending on how much it's gonna cost me.\n\nChannel 0: 100%. One of the cool things too is that once you approach the the round figures, 500, they apply a lump sum discount. So sometimes\n\nChannel 1: Yep.\n\nChannel 0: it's cheaper to get a mil than it is to get 900,000.\n\nChannel 1: Yeah.\n\nChannel 0: I'll quote for both just so you can see the difference.\n\nChannel 1: Yep.\n\nChannel 0: Now the other thing that I've got us to worry about is just on the health side of things. The only thing that I can see that was a major issue was some possibly bulging discs back in maybe 2019 or quite a quite a few years away,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: That\n\nChannel 0: maybe\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: was\n\nChannel 0: were\n\nChannel 1: that\n\nChannel 0: looking\n\nChannel 1: that was\n\nChannel 0: at some\n\nChannel 1: a\n\nChannel 0: surgery a couple years ago.\n\nChannel 1: no. That was a long time ago. That wasn't that that's all sorted now. I've got no issues with my back. To be honest, I think that was just a case of being lazy, you know, being lazy and then thinking that I was as fit as what I once was.\n\nYou know, now I'm probably the fittest and healthiest I've ever been in my life. You know, I don't have any back injuries. I don't have any niggling injuries. You know, I'm yeah. I think that was just a case of maybe, like, I don't know, maybe a pinched nerve or something like that.\n\nBut, yeah, no. The back is completely fine.\n\nChannel 0: K. So what I'll do, if it's possible, did\n\nChannel 1: One.\n\nChannel 0: you actually go through any surgeries at the time, or was it just kind of scans and checkups? And then what how did it get resolved?\n\nChannel 1: Just scans and checkups, mate. It was I really only went for one major checkup in a with a doctor down in Sydney, and he he basically just said, like, you know, take it easy. You know, there's there's nothing really to worry about. Get your get your fitness in check and, you know, start living in a more active lifestyle.\n\nChannel 0: Yep. Gotcha. What I'll do, if it's possible, they may need to get some sort of report from the doctor\n\nChannel 1: Yeah. Of\n\nChannel 0: because\n\nChannel 1: course.\n\nChannel 0: there was an investigation. They'll they'll wanna see what's in writing kind of thing. They'll they'll never just\n\nChannel 1: Yep.\n\nChannel 0: waive it through, if that makes sense.\n\nChannel 1: Yeah. Of course. I understand that.\n\nChannel 0: As far as the doctor, I've got Kingswood, New South Wales. I'm not gonna attempt to say the name, but I've got the doctor's name. Doctor Deed Shadban's there. Alright. Couple of things.\n\nAlright. Sweet. So I will get the team to basically do some quotes, call around, and see what information we need. I may\n\nChannel 1: Yep.\n\nChannel 0: need to get, obviously, that report and a couple of updates from you, and then that way they can give you a good answer.\n\nChannel 1: Yep.\n\nChannel 0: Last thing I wanna do is send you to an application and have it come back with any issues that you're not, you know, expecting.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So that's nice and easy. I'll do a bit of a check around. To be honest, Tal is actually probably one of the best in pricing at the moment. I don't think I'll find anyone that would beat them.\n\nI'll do the check just in case, but it may just be a case of something what you've got through them.\n\nChannel 1: Yeah. I rather.\n\nChannel 0: Oh, just quickly as well because it does affect discounts based on BMI. I'll just grab updated weight from you if that's okay. I've got your your height listed at a hundred and nine centimeters. Is that right?\n\nChannel 1: Probably a hundred and eighty six.\n\nChannel 0: Hundred and eighty six centimeters. And in kilos or pounds, I can just do a quick check on their system for the discount.\n\nChannel 1: Yeah. Eighty nine kilos.\n\nChannel 0: Eighty nine. Beautiful. Obviously, nonspoken.\n\nChannel 1: No, sir. I got yeah.\n\nChannel 0: Yeah. It's great. Just swagger's right, send to double it, and that's not fun for anyone.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So we've got the assets and liabilities, the home, car, motorbike shares, and credit card\n\nChannel 1: So\n\nChannel 0: is the\n\nChannel 1: I\n\nChannel 0: sort\n\nChannel 1: don't\n\nChannel 0: of five that we've got listed.\n\nChannel 1: I don't own a car anymore. The business owns it.\n\nChannel 0: Yeah. Great.\n\nChannel 1: So me, personally, I don't own a car anymore.\n\nChannel 0: Is he done for the motorbike? Do you have any loans on that? Or\n\nChannel 1: Yeah. Yeah. It's two to three hours paid off. It's I think that'd be worth around $8,000 once paid off.\n\nChannel 0: is he done what would be owing? Like, a thousand bucks, $2,000?\n\nChannel 1: I think about $3, I think.\n\nChannel 0: Yep. He's done doesn't make too much difference for the insurance side of things. We're not\n\nChannel 1: Yep.\n\nChannel 0: gonna work in selling off your bike if you pass away or anything.\n\nChannel 1: Yep.\n\nChannel 0: Just put an estimate in. Business car, fleet, income, that's all good. Just in terms of beneficiaries for both the life insurance and the super, I believe\n\nChannel 1: Yep.\n\nChannel 0: we've got listed. Let me just have a look at the details, make sure that is correct. We've got Kalen listed for\n\nChannel 1: Yep.\n\nChannel 0: the superannuation. So non matching, legally binding, so that's all good. I'll make sure that's on the life insurance too.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Couple of quick checkpoints before I let you go. Did you end up getting, like, a will or a power of attorney in place since you you you came on board?\n\nChannel 1: No. I haven't yet. It's one of those things I just, you know, never seem to remember to do.\n\nChannel 0: That's alright, mate. It's just usually a yearly reminder from us and, you know, a couple of pointers that even Old Post has government approved kits for $25 a pop, but\n\nChannel 1: Yeah.\n\nChannel 0: it is something I need to check as well. Couple of quick different questions here just because I've increased the anti money laundering checks that we need to do. Have you ever gone through a bankruptcy or a part nine debt agreement before?\n\nChannel 1: No, mate.\n\nChannel 0: Beautiful. Just in terms of the super, like I mentioned before, and some gold here, quick update on this. We you were basically focusing on purchasing some investment properties, maybe renting out the one that you've got, changing homes, and obviously focusing on building the business. Is that still\n\nChannel 1: Yep.\n\nChannel 0: kind of like your your three to five year focus?\n\nChannel 1: Yeah, mate. I I mean, I'm not in a I'm not in any rush to relocate or move at the moment. It has been a conversation with my son's\n\nChannel 0: Mhmm.\n\nChannel 1: mom. Her and I aren't together, but it has been a conversation\n\nChannel 0: Yes.\n\nChannel 1: possibly to move in the next maybe two years, maybe three. But, yeah, just if I can have money there ready to kind of you know, ready to hit pull the trigger and kinda go wherever they go, so I'm close to him.\n\nChannel 0: Yeah. Build the savings up, build up the equity, that kind of thing.\n\nChannel 1: Yeah. Pretty much.\n\nChannel 0: Beautiful. Anything else as a major focus for the next twelve months that I've got to factor in?\n\nChannel 1: Not really, mate. Not not really. Just the just the general life stuff. You know? Yeah.\n\nNothing nothing that stands out.\n\nChannel 0: Awesome. The last couple of things I'll check with you and then let's see is just in terms of the way you're structuring the wages and everything from the business. So it looks to me like you're drawing a wage from the business and paying yourself super from that. Is that correct?\n\nChannel 1: The yeah. The yeah. The business pays me super. I still need to get on top of that and make a couple of payments. But, yeah, the business pays my super, and then I pay wages as well out of the business.\n\nChannel 0: Sweet. So the only thing that I kind of noticed when I went through the account this morning is that the the payments have kind of increased. Last financial year, about 9,200 went in, and this financial year, so far, there's already $7 that's gone in.\n\nChannel 1: Yep. That's\n\nChannel 0: Each contribution\n\nChannel 1: that's that's\n\nChannel 0: is around about $2.2.5.\n\nChannel 1: yeah. That's around that that that's that's my fault. I I was under the impression that the super would be drawn automatically. I wasn't under the impression that because I'm still a new business owner. It's really tough trying to find my feet.\n\nI I thought they were paid automatically, but they weren't. So they were well, without paying super. But I'm getting on top of that now.\n\nChannel 0: Perfect. So it's a bit of a catch up, if anything.\n\nChannel 1: Yeah. Yeah. 100%.\n\nChannel 0: Cool. Yeah. I just wanted to flag just to make sure that you don't go over that kind of 32,500 for the cap. But if you're paying\n\nChannel 1: Yep.\n\nChannel 0: it as a percentage on on wages over a $100, you're not gonna\n\nChannel 1: Yep.\n\nChannel 0: go over that anyway. If you do, because you've done a catch up, they still use up the last five years worth of cap anyway, so you should be good for for a period. Just\n\nChannel 1: Yep.\n\nChannel 0: that one, you know, $40 randomly going in there for five years, if that makes sense. You've caught the taxes.\n\nChannel 1: Yeah. Yeah. No. I I I don't think I even owe that much. I think I only owe myself another maybe 9,000 in super.\n\nChannel 0: Yep. Okay. I'll factor that in. So what I'll do, just for the plan and the projections and everything, I'll factor in the premiums like I was saying and how that's gonna impact the super. And then\n\nChannel 1: Yep.\n\nChannel 0: I'll just kind of base it on the, like, the 12% of your your wages as a salary, and I'll just\n\nChannel 1: Yep.\n\nChannel 0: make a note that the contributions will be a bit kind of ad hoc while you catch up.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Last thing for me, just with the the risk profile on the super, we've still got your pretty well high growth trying to aim for the high long term returns, you know, 90 to a 100% in those growth assets, like shares, property, and gold. There is a couple of options that I would like to switch out for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now the returns have been pretty good, but with the legislation that came in for capital gains tax and negative gearing, the property option is starting to tumble down, which is a bit of a worry for those companies. The\n\nChannel 1: Yeah.\n\nChannel 0: one of the term deposits you've got, the government's gonna phase that out over the next three years, so I'll get a an easy switching for that. And then one Australian shares option that's been underperforming. So if it's okay with you, I'm looking to possibly switch that underperforming option out to something a little bit lower fee, a little bit more focused on, you know, following the market a bit closer than what this one is\n\nChannel 1: Yep.\n\nChannel 0: currently doing, but the rest of them all look really good.\n\nChannel 1: Okay.\n\nChannel 0: Cool. I'll mix both of those into it. Are you okay for the team to kind of reach out if they need to clarify any details for the underwriting for the insurance?\n\nChannel 1: Yeah, mate. Yeah.\n\nChannel 0: Awesome. Like I said, we'll do the quotes. We'll do the calls. Anything we need, we'll reach out to you, see if we can\n\nChannel 1: Yep.\n\nChannel 0: get a report. I'll put together the plan with the comparison, the quotes, my recommendations, and the super, and give you some updated figures in writing over the next few weeks, and\n\nChannel 1: Yep.\n\nChannel 0: it should be good to go. Cool.\n\nChannel 1: Easy. Sounds good, mate.\n\nChannel 0: Any questions for me at this point there, Tristan?\n\nChannel 1: Nah. Nah.\n\nChannel 0: Awesome. I'll get Michelle to send out your annual review packet so you've got all the certificates of currency, super performance, service guides, and everything with you. If anything\n\nChannel 1: Yep.\n\nChannel 0: does happen, like, obviously, we do help people with claims and claims advice. We're probably not the first people to call if you get majorly injured, but just give us a buzz if you do, and we'll help you\n\nChannel 1: Yep.\n\nChannel 0: through that. And just for the fee structures with Oakview, so I believe our consent expired on BT, which we'll need to fix up. It's still the same phase as last year, 1.65%, but we've got a tiered structure coming in. So when you get 200,000 discounts, you'll start to be applied.\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: Cool. Alrighty, mate. I'll send that pack out to you, and we will talk to you in the next couple of weeks.\n\nChannel 1: Very good. Sounds good.\n\nChannel 0: Legend, mate. Have a fantastic weekend.\n\nChannel 1: Thanks, Mike. You too. Talk soon.\n\nChannel 0: Thanks, Tristan. Bye.\n\nChannel 1: Mate.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.04965462163090706}],"sentiment":"neutral","sentiment_score":0.04965462163090706,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Good day, Tristan.","start":2.6399999,"end":3.4399998,"sentiment":"positive","sentiment_score":0.3611263036727905},{"text":"It's Tommy here, senior adviser from.","start":3.4399998,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.17874185740947723},{"text":"How are you doing?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.18856169655919075}],"sentiment":"neutral","sentiment_score":0.22385206474707678,"channel":0,"num_words":13,"start":2.6399999,"end":6.2599998},{"sentences":[{"text":"Good, mate.","start":6.48,"end":7.04,"sentiment":"positive","sentiment_score":0.407686322927475},{"text":"How are you going?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.31148364394903183}],"sentiment":"positive","sentiment_score":0.3435512036085129,"channel":1,"num_words":6,"start":6.48,"end":7.8599997},{"sentences":[{"text":"Living the dream.","start":8.4,"end":9.12,"sentiment":"positive","sentiment_score":0.5139800906181335},{"text":"It's a beautiful Friday on the Gold Coast.","start":9.12,"end":11.28,"sentiment":"positive","sentiment_score":0.6750824525952339},{"text":"Mate, what about your end?","start":11.28,"end":12.315,"sentiment":"neutral","sentiment_score":0.11185871958732604}],"sentiment":"positive","sentiment_score":0.4688683431595564,"channel":0,"num_words":16,"start":8.4,"end":12.315},{"sentences":[{"text":"Yeah.","start":12.805,"end":13.045,"sentiment":"neutral","sentiment_score":0.1917760968208313},{"text":"I bet.","start":13.045,"end":13.445001,"sentiment":"neutral","sentiment_score":0.24495434761047363},{"text":"It's nice day down here for once.","start":13.445001,"end":15.125,"sentiment":"positive","sentiment_score":0.5290016531944275},{"text":"A little bit little bit cool, but she's getting better as a day at your time.","start":15.125,"end":18.345001,"sentiment":"positive","sentiment_score":0.45474812388420105}],"sentiment":"positive","sentiment_score":0.44848716717499953,"channel":1,"num_words":26,"start":12.805,"end":18.345001},{"sentences":[{"text":"That's what we like to hear, mate.","start":18.875,"end":20.494999,"sentiment":"neutral","sentiment_score":0.260986579316003},{"text":"I've got you booked in.","start":20.794998,"end":21.914999,"sentiment":"neutral","sentiment_score":0.08445389345288276},{"text":"Michelle let me know that you were trying to get some insurances looked at.","start":21.914999,"end":26.55,"sentiment":"neutral","sentiment_score":0.05265662579664162},{"text":"Do you mind if I just go through a quick security check with you?","start":26.63,"end":29.689999,"sentiment":"neutral","sentiment_score":0.03652513373110976}],"sentiment":"neutral","sentiment_score":0.08744300389662385,"channel":0,"num_words":40,"start":18.875,"end":29.689999},{"sentences":[{"text":"Yeah.","start":29.96,"end":30.199999,"sentiment":"neutral","sentiment_score":0.03848227858543396},{"text":"You're on my next shift.","start":30.199999,"end":31.419998,"sentiment":"neutral","sentiment_score":0.0638972505927086}],"sentiment":"neutral","sentiment_score":0.05966142192482948,"channel":1,"num_words":6,"start":29.96,"end":31.419998},{"sentences":[{"text":"Beautiful.","start":32.23,"end":32.629997,"sentiment":"neutral","sentiment_score":0.3288646340370178},{"text":"So I'm registered with our ticket advisor 1273105.","start":32.629997,"end":36.87,"sentiment":"neutral","sentiment_score":0.09972569718956947},{"text":"Are you okay for the call","start":36.87,"end":37.91,"sentiment":"neutral","sentiment_score":0.04906703531742096}],"sentiment":"neutral","sentiment_score":0.0947381615638733,"channel":0,"num_words":15,"start":32.23,"end":37.91},{"sentences":[{"text":"Yep.","start":37.72,"end":38.22,"sentiment":"neutral","sentiment_score":0.04159584268927574}],"sentiment":"neutral","sentiment_score":0.04159584268927574,"channel":1,"num_words":1,"start":37.72,"end":38.22},{"sentences":[{"text":"to be recorded?","start":37.91,"end":38.649998,"sentiment":"neutral","sentiment_score":0.029787298291921616}],"sentiment":"neutral","sentiment_score":0.029787298291921616,"channel":0,"num_words":3,"start":37.91,"end":38.649998},{"sentences":[{"text":"Yeah.","start":40.025,"end":40.525,"sentiment":"neutral","sentiment_score":0.05039951950311661}],"sentiment":"neutral","sentiment_score":0.05039951950311661,"channel":1,"num_words":1,"start":40.025,"end":40.525},{"sentences":[{"text":"Beauty.","start":41.275,"end":41.755,"sentiment":"neutral","sentiment_score":0.08881153911352158},{"text":"And I just need your date of birth and address for security.","start":41.755,"end":44.895,"sentiment":"neutral","sentiment_score":0.027892012149095535}],"sentiment":"neutral","sentiment_score":0.032578129607897535,"channel":0,"num_words":13,"start":41.275,"end":44.895},{"sentences":[{"text":"Fifteenth of August ninety four.","start":45.465,"end":47.325,"sentiment":"neutral","sentiment_score":0.012283816933631897},{"text":"One plus twenty five Hoskins Avenue, Lythgaeton, New South Wales two seven nine o.","start":47.625,"end":51.965,"sentiment":"neutral","sentiment_score":0.017393085839492933}],"sentiment":"neutral","sentiment_score":0.016048541390582136,"channel":1,"num_words":19,"start":45.465,"end":51.965},{"sentences":[{"text":"Sensational.","start":53.04,"end":53.54,"sentiment":"neutral","sentiment_score":0.08586730808019638},{"text":"Thank you so much for that, mate.","start":53.68,"end":55.14,"sentiment":"positive","sentiment_score":0.5416177638939449},{"text":"I've had a bit of a deep dive on the file just to get a bit of a handle on what insurances you currently have","start":55.6,"end":62.18,"sentiment":"neutral","sentiment_score":0.1891552412509918}],"sentiment":"neutral","sentiment_score":0.2607900814125032,"channel":0,"num_words":33,"start":53.04,"end":62.18},{"sentences":[{"text":"Yep.","start":62.7,"end":63.2,"sentiment":"neutral","sentiment_score":0.1720135509967804}],"sentiment":"neutral","sentiment_score":0.1720135509967804,"channel":1,"num_words":1,"start":62.7,"end":63.2},{"sentences":[{"text":"and few questions to kind of see what we can get you.","start":63.44,"end":66.675,"sentiment":"neutral","sentiment_score":0.23102213193972906},{"text":"I was also just gonna quickly touch base on on the two because there's a few changes I'd like to make on that as well if you do have a few minutes.","start":67.955,"end":74.295006,"sentiment":"neutral","sentiment_score":0.13602976023685187}],"sentiment":"neutral","sentiment_score":0.1619367707012729,"channel":0,"num_words":44,"start":63.44,"end":74.295006},{"sentences":[{"text":"Yeah, mate.","start":74.555,"end":75.035,"sentiment":"neutral","sentiment_score":0.11803780868649483},{"text":"Yeah.","start":75.035,"end":75.275,"sentiment":"neutral","sentiment_score":0.120468869805336},{"text":"Yeah.","start":75.275,"end":75.775,"sentiment":"neutral","sentiment_score":0.2075388878583908}],"sentiment":"neutral","sentiment_score":0.14102084375917912,"channel":1,"num_words":4,"start":74.555,"end":75.775},{"sentences":[{"text":"Beautiful.","start":76.675,"end":77.175,"sentiment":"positive","sentiment_score":0.403714656829834},{"text":"Now when it comes to the details we have on file, I believe Michelle's updated most of it, so thank you very much for that.","start":77.795006,"end":85.75,"sentiment":"neutral","sentiment_score":0.22913705915212632},{"text":"I just want to quickly double check with you income level.","start":86.450005,"end":90.950005,"sentiment":"neutral","sentiment_score":0.09999254074963657},{"text":"The 110,000 that we've got, is that is that current from this","start":91.17,"end":96.215,"sentiment":"neutral","sentiment_score":0.023575430425504845}],"sentiment":"neutral","sentiment_score":0.15336661732622556,"channel":0,"num_words":49,"start":76.675,"end":96.215},{"sentences":[{"text":"Yeah.","start":97.815,"end":98.135,"sentiment":"neutral","sentiment_score":0.004331468604505062},{"text":"Give or take.","start":98.135,"end":99.015,"sentiment":"neutral","sentiment_score":-0.011799360935886702},{"text":"Yeah.","start":99.015,"end":99.255,"sentiment":"neutral","sentiment_score":0.0027287760749459267},{"text":"Give or take, probably ten.","start":99.255,"end":100.635,"sentiment":"neutral","sentiment_score":-0.003803745470941067}],"sentiment":"neutral","sentiment_score":-0.004735656548291445,"channel":1,"num_words":10,"start":97.815,"end":100.635},{"sentences":[{"text":"year?","start":101.475,"end":101.795,"sentiment":"neutral","sentiment_score":0.008317165076732635},{"text":"Yep.","start":101.795,"end":102.115,"sentiment":"neutral","sentiment_score":0.022790420800447464},{"text":"Okay.","start":102.115,"end":102.435,"sentiment":"neutral","sentiment_score":0.01992505230009556},{"text":"So between about a 100 to a 120 depending on, like, OT and stuff like that.","start":102.435,"end":106.65,"sentiment":"neutral","sentiment_score":0.01605815498623997}],"sentiment":"neutral","sentiment_score":0.01620858515563764,"channel":0,"num_words":19,"start":101.475,"end":106.65},{"sentences":[{"text":"Yeah.","start":107.335,"end":107.575,"sentiment":"neutral","sentiment_score":0.0400373674929142},{"text":"Yeah.","start":107.575,"end":108.075,"sentiment":"neutral","sentiment_score":-0.0032236077822744846},{"text":"Well, I'm a I'm a subcontractor, so I work for myself.","start":108.215,"end":110.875,"sentiment":"neutral","sentiment_score":0.012520264326171442}],"sentiment":"neutral","sentiment_score":0.013425897484501967,"channel":1,"num_words":13,"start":107.335,"end":110.875},{"sentences":[{"text":"Beautiful.","start":113.21,"end":113.71,"sentiment":"positive","sentiment_score":0.44663649797439575},{"text":"Okay.","start":114.01,"end":114.51,"sentiment":"neutral","sentiment_score":0.14158199727535248},{"text":"So electrician, underground mining, prequalified, six years, that kind of thing.","start":115.05,"end":122.625,"sentiment":"neutral","sentiment_score":0.030332837253808975}],"sentiment":"neutral","sentiment_score":0.07091382346474208,"channel":0,"num_words":13,"start":113.21,"end":122.625},{"sentences":[{"text":"I've been in the mines for six years.","start":123.595,"end":125.274994,"sentiment":"neutral","sentiment_score":0.030502459034323692},{"text":"I've been qualified as an electrician for almost eight years, I'd say.","start":125.274994,"end":131.055,"sentiment":"neutral","sentiment_score":0.036500637885183096},{"text":"Eight or nine years.","start":131.11499,"end":132.33499,"sentiment":"neutral","sentiment_score":0.011100475443527102},{"text":"Yeah.","start":132.555,"end":132.715,"sentiment":"neutral","sentiment_score":0.02161099575459957},{"text":"Probably eight or nine years.","start":132.715,"end":134.095,"sentiment":"neutral","sentiment_score":0.011343149840831757}],"sentiment":"neutral","sentiment_score":0.02682519912098845,"channel":1,"num_words":30,"start":123.595,"end":134.095},{"sentences":[{"text":"Yep.","start":134.945,"end":135.445,"sentiment":"neutral","sentiment_score":0.034440793097019196},{"text":"Four, five, eight, or nine years.","start":135.985,"end":137.525,"sentiment":"neutral","sentiment_score":0.03117256114880244},{"text":"Beautiful.","start":137.585,"end":138.085,"sentiment":"positive","sentiment_score":0.4601733684539795},{"text":"Alrighty.","start":139.4,"end":139.9,"sentiment":"neutral","sentiment_score":0.2383566647768021},{"text":"So having a look at what you've currently got, we've got some income protection in there as well.","start":140.04,"end":146.38,"sentiment":"neutral","sentiment_score":0.05662779313408666}],"sentiment":"neutral","sentiment_score":0.07182616554200649,"channel":0,"num_words":27,"start":134.945,"end":146.38},{"sentences":[{"text":"Yep.","start":147.20999,"end":147.70999,"sentiment":"neutral","sentiment_score":0.08584614098072052}],"sentiment":"neutral","sentiment_score":0.08584614098072052,"channel":1,"num_words":1,"start":147.20999,"end":147.70999},{"sentences":[{"text":"Now good news for you.","start":147.4,"end":148.52,"sentiment":"neutral","sentiment_score":0.27647597789764405},{"text":"So Al is one of the sort of biggest insurers.","start":148.52,"end":152.14,"sentiment":"neutral","sentiment_score":0.03793794214725495},{"text":"They've taken over BT.","start":152.2,"end":154.685,"sentiment":"neutral","sentiment_score":0.006590557750314474},{"text":"They bought out their life insurance side of things.","start":154.905,"end":157.22499,"sentiment":"neutral","sentiment_score":-0.013948861302600967},{"text":"So it's still owned through BT, but it's insured through TEL at the moment.","start":157.22499,"end":162.525,"sentiment":"neutral","sentiment_score":0.00954519079199859}],"sentiment":"neutral","sentiment_score":0.042767010983966645,"channel":0,"num_words":42,"start":147.4,"end":162.525},{"sentences":[{"text":"Yep.","start":162.825,"end":163.14499,"sentiment":"neutral","sentiment_score":0.0337526760995388},{"text":"Yep.","start":163.14499,"end":163.64499,"sentiment":"neutral","sentiment_score":0.04418544098734856}],"sentiment":"neutral","sentiment_score":0.03896905854344368,"channel":1,"num_words":2,"start":162.825,"end":163.64499},{"sentences":[{"text":"You've got an income protection policy at the moment, $5,089 a month worth of cover, and it's a it's a thirty day waiting 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was an investigation.","start":795.255,"end":796.395,"sentiment":"neutral","sentiment_score":-0.024002285674214363},{"text":"They'll they'll wanna see what's in writing kind of thing.","start":796.53503,"end":799.175,"sentiment":"neutral","sentiment_score":-0.0002001354470849037},{"text":"They'll they'll never just","start":799.175,"end":800.135,"sentiment":"neutral","sentiment_score":0.019959310069680214}],"sentiment":"neutral","sentiment_score":-0.001009625382721424,"channel":0,"num_words":18,"start":795.255,"end":800.135},{"sentences":[{"text":"Yep.","start":799.945,"end":800.445,"sentiment":"neutral","sentiment_score":0.0034680343233048916}],"sentiment":"neutral","sentiment_score":0.0034680343233048916,"channel":1,"num_words":1,"start":799.945,"end":800.445},{"sentences":[{"text":"waive it through, if that makes 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Old Post has government approved kits for $25 a pop, but","start":1015.615,"end":1024.03,"sentiment":"neutral","sentiment_score":0.045599116278546195}],"sentiment":"neutral","sentiment_score":0.04847943054271802,"channel":0,"num_words":31,"start":1014.975,"end":1024.03},{"sentences":[{"text":"Yeah.","start":1023.825,"end":1024.325,"sentiment":"neutral","sentiment_score":-0.008767934516072273}],"sentiment":"neutral","sentiment_score":-0.008767934516072273,"channel":1,"num_words":1,"start":1023.825,"end":1024.325},{"sentences":[{"text":"it is something I need to check as well.","start":1024.03,"end":1026.05,"sentiment":"neutral","sentiment_score":-0.02752669548822774},{"text":"Couple of quick different questions here just because I've increased the anti money laundering checks that we need to do.","start":1030.515,"end":1037.155,"sentiment":"neutral","sentiment_score":-0.009394126711413264},{"text":"Have you ever gone through a bankruptcy or a part nine debt agreement 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business.","start":1054.47,"end":1064.5951,"sentiment":"neutral","sentiment_score":0.06297293581344464},{"text":"Is that still","start":1064.655,"end":1065.4551,"sentiment":"neutral","sentiment_score":0.05282385398944219}],"sentiment":"neutral","sentiment_score":0.12742371337811406,"channel":0,"num_words":49,"start":1044.915,"end":1065.4551},{"sentences":[{"text":"Yep.","start":1065.2401,"end":1065.7401,"sentiment":"neutral","sentiment_score":0.05676576495170593}],"sentiment":"neutral","sentiment_score":0.05676576495170593,"channel":1,"num_words":1,"start":1065.2401,"end":1065.7401},{"sentences":[{"text":"kind of like your your three to five year focus?","start":1065.4551,"end":1067.7151,"sentiment":"neutral","sentiment_score":0.06709695085883141}],"sentiment":"neutral","sentiment_score":0.06709695085883141,"channel":0,"num_words":10,"start":1065.4551,"end":1067.7151},{"sentences":[{"text":"Yeah, mate.","start":1068.4401,"end":1069.0801,"sentiment":"neutral","sentiment_score":0.075834009796381},{"text":"I I mean, I'm not in a I'm not in any rush to relocate or move at the moment.","start":1069.0801,"end":1074.585,"sentiment":"neutral","sentiment_score":-0.09141770142473672},{"text":"It has been a conversation with my son's","start":1074.9049,"end":1076.9049,"sentiment":"neutral","sentiment_score":-0.010955595338600688}],"sentiment":"neutral","sentiment_score":-0.05768665759262211,"channel":1,"num_words":29,"start":1068.4401,"end":1076.9049},{"sentences":[{"text":"Mhmm.","start":1076.655,"end":1077.03,"sentiment":"neutral","sentiment_score":0.0020129824988543987}],"sentiment":"neutral","sentiment_score":0.0020129824988543987,"channel":0,"num_words":1,"start":1076.655,"end":1077.03},{"sentences":[{"text":"mom.","start":1076.9049,"end":1077.3049,"sentiment":"neutral","sentiment_score":-0.02834448590874672},{"text":"Her and I aren't together, but it has been a conversation","start":1077.3049,"end":1080.765,"sentiment":"neutral","sentiment_score":0.004005311734297059}],"sentiment":"neutral","sentiment_score":0.0013094952640434105,"channel":1,"num_words":12,"start":1076.9049,"end":1080.765},{"sentences":[{"text":"Yes.","start":1080.55,"end":1081.05,"sentiment":"neutral","sentiment_score":0.06565548479557037}],"sentiment":"neutral","sentiment_score":0.06565548479557037,"channel":0,"num_words":1,"start":1080.55,"end":1081.05},{"sentences":[{"text":"possibly to move in the next maybe two years, maybe three.","start":1081.465,"end":1085.725,"sentiment":"neutral","sentiment_score":0.07250449941916899},{"text":"But, yeah, just if I can have money there ready to kind of you know, ready to hit pull the trigger and kinda go wherever they go, so I'm close to 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that's","start":1171.995,"end":1172.395,"sentiment":"neutral","sentiment_score":-0.09742395952343941}],"sentiment":"neutral","sentiment_score":-0.09742395952343941,"channel":1,"num_words":2,"start":1171.995,"end":1172.395},{"sentences":[{"text":"is around about $2.2.5.","start":1172.675,"end":1174.8551,"sentiment":"neutral","sentiment_score":-0.0933490339666605}],"sentiment":"neutral","sentiment_score":-0.0933490339666605,"channel":0,"num_words":4,"start":1172.675,"end":1174.8551},{"sentences":[{"text":"yeah.","start":1175.43,"end":1175.75,"sentiment":"neutral","sentiment_score":-0.13693921267986298},{"text":"That's around that that that's that's my fault.","start":1175.75,"end":1177.91,"sentiment":"negative","sentiment_score":-0.37652125768363476},{"text":"I I was under the impression that the super would be drawn automatically.","start":1177.91,"end":1181.67,"sentiment":"neutral","sentiment_score":-0.08321572496340825},{"text":"I wasn't under the impression that because I'm still a 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taxes.","start":1227.5249,"end":1228.585,"sentiment":"neutral","sentiment_score":-0.0379465576261282}],"sentiment":"neutral","sentiment_score":0.04030008474364877,"channel":0,"num_words":20,"start":1223.5249,"end":1228.585},{"sentences":[{"text":"Yeah.","start":1228.2101,"end":1228.7101,"sentiment":"neutral","sentiment_score":-0.014116160571575165},{"text":"Yeah.","start":1229.25,"end":1229.65,"sentiment":"neutral","sentiment_score":-0.029143569990992543},{"text":"No.","start":1229.65,"end":1229.89,"sentiment":"neutral","sentiment_score":-0.11247149854898451},{"text":"I I I don't think I even owe that much.","start":1229.89,"end":1231.89,"sentiment":"neutral","sentiment_score":-0.1643207162618637},{"text":"I think I only owe myself another maybe 9,000 in 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then","start":1248.4601,"end":1248.9401,"sentiment":"neutral","sentiment_score":0.046163225546479225}],"sentiment":"neutral","sentiment_score":0.05735988859590646,"channel":0,"num_words":37,"start":1238.005,"end":1248.9401},{"sentences":[{"text":"Yep.","start":1248.825,"end":1249.325,"sentiment":"neutral","sentiment_score":0.04311513528227806}],"sentiment":"neutral","sentiment_score":0.04311513528227806,"channel":1,"num_words":1,"start":1248.825,"end":1249.325},{"sentences":[{"text":"I'll just kind of base it on the, like, the 12% of your your wages as a salary, and I'll 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good.","start":1323.615,"end":1326.62,"sentiment":"neutral","sentiment_score":0.30184612626379187}],"sentiment":"neutral","sentiment_score":0.30184612626379187,"channel":0,"num_words":11,"start":1323.615,"end":1326.62},{"sentences":[{"text":"Okay.","start":1327.47,"end":1327.97,"sentiment":"neutral","sentiment_score":0.1460094153881073}],"sentiment":"neutral","sentiment_score":0.1460094153881073,"channel":1,"num_words":1,"start":1327.47,"end":1327.97},{"sentences":[{"text":"Cool.","start":1330.36,"end":1330.86,"sentiment":"neutral","sentiment_score":0.2364228069782257},{"text":"I'll mix both of those into it.","start":1331.0,"end":1332.86,"sentiment":"neutral","sentiment_score":0.1571955042225974},{"text":"Are you okay for the team to kind of reach out if they need to clarify any details for the underwriting for the insurance?","start":1332.9199,"end":1338.195,"sentiment":"neutral","sentiment_score":0.07816107322772343}],"sentiment":"neutral","sentiment_score":0.10039553418755531,"channel":0,"num_words":32,"start":1330.36,"end":1338.195},{"sentences":[{"text":"Yeah, mate.","start":1339.0349,"end":1339.595,"sentiment":"neutral","sentiment_score":0.10243931412696838},{"text":"Yeah.","start":1339.595,"end":1340.095,"sentiment":"neutral","sentiment_score":0.21371284127235413}],"sentiment":"neutral","sentiment_score":0.13953048984209696,"channel":1,"num_words":3,"start":1339.0349,"end":1340.095},{"sentences":[{"text":"Awesome.","start":1341.955,"end":1342.455,"sentiment":"positive","sentiment_score":0.4717804193496704},{"text":"Like I said, we'll do the quotes.","start":1343.315,"end":1344.835,"sentiment":"neutral","sentiment_score":0.3168250492640904},{"text":"We'll do the calls.","start":1344.835,"end":1345.715,"sentiment":"neutral","sentiment_score":0.24498756229877472},{"text":"Anything we need, we'll reach out to you, see if we can","start":1345.715,"end":1348.4349,"sentiment":"neutral","sentiment_score":0.24783801287412643}],"sentiment":"neutral","sentiment_score":0.27681509032845497,"channel":0,"num_words":24,"start":1341.955,"end":1348.4349},{"sentences":[{"text":"Yep.","start":1348.33,"end":1348.83,"sentiment":"neutral","sentiment_score":0.22151672840118408}],"sentiment":"neutral","sentiment_score":0.22151672840118408,"channel":1,"num_words":1,"start":1348.33,"end":1348.83},{"sentences":[{"text":"get a report.","start":1348.4349,"end":1349.335,"sentiment":"neutral","sentiment_score":0.22599807878335318},{"text":"I'll put together the plan with the comparison, the quotes, my recommendations, and the super, and give you some updated figures in writing over the next few weeks, and","start":1350.595,"end":1361.78,"sentiment":"neutral","sentiment_score":0.283688162421358}],"sentiment":"neutral","sentiment_score":0.2782797170802951,"channel":0,"num_words":32,"start":1348.4349,"end":1361.78},{"sentences":[{"text":"Yep.","start":1361.5349,"end":1362.0349,"sentiment":"positive","sentiment_score":0.376048743724823}],"sentiment":"positive","sentiment_score":0.376048743724823,"channel":1,"num_words":1,"start":1361.5349,"end":1362.0349},{"sentences":[{"text":"it should be good to go.","start":1361.78,"end":1362.8201,"sentiment":"positive","sentiment_score":0.4426472137371699},{"text":"Cool.","start":1362.8201,"end":1363.3201,"sentiment":"positive","sentiment_score":0.3734154999256134}],"sentiment":"positive","sentiment_score":0.43275696890694754,"channel":0,"num_words":7,"start":1361.78,"end":1363.3201},{"sentences":[{"text":"Easy.","start":1363.5349,"end":1364.0349,"sentiment":"positive","sentiment_score":0.38925427198410034},{"text":"Sounds good, mate.","start":1364.255,"end":1365.1549,"sentiment":"positive","sentiment_score":0.4360615909099579}],"sentiment":"positive","sentiment_score":0.4243597611784935,"channel":1,"num_words":4,"start":1363.5349,"end":1365.1549},{"sentences":[{"text":"Any questions for me at this point there, Tristan?","start":1366.5349,"end":1368.475,"sentiment":"neutral","sentiment_score":0.0994245492749744}],"sentiment":"neutral","sentiment_score":0.0994245492749744,"channel":0,"num_words":9,"start":1366.5349,"end":1368.475},{"sentences":[{"text":"Nah.","start":1369.2949,"end":1369.695,"sentiment":"neutral","sentiment_score":0.021658988669514656},{"text":"Nah.","start":1369.695,"end":1370.195,"sentiment":"neutral","sentiment_score":0.0692930817604065}],"sentiment":"neutral","sentiment_score":0.045476035214960575,"channel":1,"num_words":2,"start":1369.2949,"end":1370.195},{"sentences":[{"text":"Awesome.","start":1373.495,"end":1373.995,"sentiment":"neutral","sentiment_score":0.255771279335022},{"text":"I'll get Michelle to send out your annual review packet so you've got all the certificates of currency, super performance, service guides, and everything with you.","start":1374.375,"end":1383.37,"sentiment":"neutral","sentiment_score":0.2456414928803077},{"text":"If anything","start":1383.43,"end":1384.07,"sentiment":"neutral","sentiment_score":0.04038955457508564}],"sentiment":"neutral","sentiment_score":0.23183548977148943,"channel":0,"num_words":29,"start":1373.495,"end":1384.07},{"sentences":[{"text":"Yep.","start":1383.98,"end":1384.48,"sentiment":"neutral","sentiment_score":-0.0005096706445328891}],"sentiment":"neutral","sentiment_score":-0.0005096706445328891,"channel":1,"num_words":1,"start":1383.98,"end":1384.48},{"sentences":[{"text":"does happen, like, obviously, we do help people with claims and claims advice.","start":1384.07,"end":1388.41,"sentiment":"neutral","sentiment_score":0.05112009753401463},{"text":"We're probably not the first people to call if you get majorly injured, but just give us a buzz if you do, and we'll help you","start":1389.03,"end":1394.15,"sentiment":"neutral","sentiment_score":-0.012210658393227138}],"sentiment":"neutral","sentiment_score":0.008899593582520118,"channel":0,"num_words":39,"start":1384.07,"end":1394.15},{"sentences":[{"text":"Yep.","start":1394.045,"end":1394.545,"sentiment":"neutral","sentiment_score":0.06892138719558716}],"sentiment":"neutral","sentiment_score":0.06892138719558716,"channel":1,"num_words":1,"start":1394.045,"end":1394.545},{"sentences":[{"text":"through that.","start":1394.15,"end":1394.89,"sentiment":"neutral","sentiment_score":0.022730059921741486},{"text":"And just for the fee structures with Oakview, so I believe our consent expired on BT, which we'll need to fix up.","start":1395.19,"end":1404.5249,"sentiment":"neutral","sentiment_score":-0.06291451931677082},{"text":"It's still the same phase as last year, 1.65%, but we've got a tiered structure coming in.","start":1405.225,"end":1411.98,"sentiment":"neutral","sentiment_score":0.09828054379014407},{"text":"So when you get 200,000 discounts, you'll start to be applied.","start":1411.98,"end":1415.6799,"sentiment":"neutral","sentiment_score":0.1685233468359167}],"sentiment":"neutral","sentiment_score":0.04203589912503958,"channel":0,"num_words":52,"start":1394.15,"end":1415.6799},{"sentences":[{"text":"Yeah.","start":1416.4,"end":1416.64,"sentiment":"positive","sentiment_score":0.5166565179824829},{"text":"Awesome.","start":1416.64,"end":1417.14,"sentiment":"positive","sentiment_score":0.8042461276054382}],"sentiment":"positive","sentiment_score":0.6604513227939606,"channel":1,"num_words":2,"start":1416.4,"end":1417.14},{"sentences":[{"text":"Cool.","start":1419.2599,"end":1419.74,"sentiment":"positive","sentiment_score":0.7483316659927368},{"text":"Alrighty, mate.","start":1419.74,"end":1420.46,"sentiment":"positive","sentiment_score":0.6496194899082184},{"text":"I'll send that pack out to you, and we will talk to you in the next couple of weeks.","start":1420.46,"end":1424.655,"sentiment":"positive","sentiment_score":0.4595020193802683}],"sentiment":"positive","sentiment_score":0.48991404609246686,"channel":0,"num_words":22,"start":1419.2599,"end":1424.655},{"sentences":[{"text":"Very good.","start":1425.485,"end":1426.125,"sentiment":"positive","sentiment_score":0.8636165857315063},{"text":"Sounds good.","start":1426.125,"end":1426.865,"sentiment":"positive","sentiment_score":0.8210275173187256}],"sentiment":"positive","sentiment_score":0.842322051525116,"channel":1,"num_words":4,"start":1425.485,"end":1426.865},{"sentences":[{"text":"Legend, mate.","start":1428.735,"end":1429.375,"sentiment":"positive","sentiment_score":0.7211813926696777},{"text":"Have a fantastic weekend.","start":1429.375,"end":1430.755,"sentiment":"positive","sentiment_score":0.819933220744133}],"sentiment":"positive","sentiment_score":0.7870159447193146,"channel":0,"num_words":6,"start":1428.735,"end":1430.755},{"sentences":[{"text":"Thanks, Mike.","start":1431.485,"end":1432.125,"sentiment":"positive","sentiment_score":0.7992607951164246},{"text":"You too.","start":1432.125,"end":1432.525,"sentiment":"positive","sentiment_score":0.5873870551586151},{"text":"Talk soon.","start":1432.525,"end":1433.3451,"sentiment":"positive","sentiment_score":0.4316701889038086}],"sentiment":"positive","sentiment_score":0.6061060130596161,"channel":1,"num_words":6,"start":1431.485,"end":1433.3451},{"sentences":[{"text":"Thanks, Tristan.","start":1434.8151,"end":1435.535,"sentiment":"positive","sentiment_score":0.6314508318901062},{"text":"Bye.","start":1435.535,"end":1436.035,"sentiment":"positive","sentiment_score":0.46439823508262634}],"sentiment":"positive","sentiment_score":0.5757666329542795,"channel":0,"num_words":3,"start":1434.8151,"end":1436.035},{"sentences":[{"text":"Mate.","start":1436.6829,"end":1437.1829,"sentiment":"neutral","sentiment_score":-0.11221670359373093}],"sentiment":"neutral","sentiment_score":-0.11221670359373093,"channel":1,"num_words":1,"start":1436.6829,"end":1437.1829}]},"summary":{"result":"success","short":"A senior adviser from a company called the customer to confirm his insurance policy and income level, discuss his employment history and income protection policy, and provide a comprehensive insurance policy for accidents. The policy is affordable and covers any professional or personal liability, and is recommended for a lump sum cover of around $200,000. The customer is interested in the policy and will need to make a decision later. The speaker discusses their retirement plans, focus on building savings and equity for the next twelve months, and their risk profile, including a potential property option. They will send a plan and analysis packet and provide updated figures and recommendations."},"intents":{"segments":[{"text":"Michelle let me know that you were trying to get some insurances looked at. Do you mind if I just go through a quick security check with you? Yeah.","start_word":74,"end_word":102,"intents":[{"intent":"Resolve insurance issue","confidence_score":0.01780109}]},{"text":"I was just trying to see what I was insured for. I thought it was a lot less than that. I thought it was only about $2,000 a month. So, yeah, that's not too bad. Cool.","start_word":657,"end_word":692,"intents":[{"intent":"Assess policy coverage","confidence_score":0.000060230144}]},{"text":"We've got 382,000 worth of life insurance and total disability linking up next to that income protection. Yeah.","start_word":1058,"end_word":1075,"intents":[{"intent":"Explore insurance options","confidence_score":0.0019976057}]},{"text":"Well, the total for all three of them is about 1,700 a year at the moment, $17.50, which is actually pretty pretty cheap compared to a lot of them out there, which are about $2.5.03 grand. So I Yeah.","start_word":1271,"end_word":1309,"intents":[{"intent":"Request quotes","confidence_score":0.023331229}]},{"text":"And when I put this together so we'll do the quote. I'll put it together and update a statement of advice, and then you can say, oh, look. When when I see the breakdown in writing, I wanna go ahead with this and not that. I'll go Yep.","start_word":1448,"end_word":1495,"intents":[{"intent":"Update statement of advice","confidence_score":0.14519037}]},{"text":"Because any increasing cover goes through, like, the health and medical and occupation questions.","start_word":1607,"end_word":1620,"intents":[{"intent":"Discussing insurance coverage","confidence_score":0.000020014573}]},{"text":"somewhere between the two, and I'm just gonna have to do some negotiation. Yeah. Okay.","start_word":1638,"end_word":1652,"intents":[{"intent":"Envisaging negotiating","confidence_score":0.0000075219614}]},{"text":"For the the lump sum covers like that total disablement that we're saying, we've got just under 400 at the moment.","start_word":1653,"end_word":1673,"intents":[{"intent":"Requesting price for lump sum coverage","confidence_score":0.000107006446}]},{"text":"Well, if I can never work ever again, it would you know, again, depending on the circumstances, if it ever did happen, you know, it depends on how it would happen. You know, car accident, work accident, something like that. You know, if I could never work again, I'd obviously wanna be because I've got a five year old son. I'd wanna be able to pay off that mortgage.","start_word":1725,"end_word":1793,"intents":[{"intent":"Expressing uncertainty about future career","confidence_score":0.0000012056538},{"intent":"Expressing concern about future financial situation","confidence_score":0.00039328044}]},{"text":"it's cheaper to get a mil than it is to get 900,000. Yeah.","start_word":1920,"end_word":1932,"intents":[{"intent":"Inquiring about cost savings and negotiation","confidence_score":5.334622e-9}]},{"text":"The only thing that I can see that was a major issue was some possibly bulging discs back in maybe 2019 or quite a quite a few years away, Yeah.","start_word":1964,"end_word":1993,"intents":[{"intent":"Report bulging discs","confidence_score":0.041973826}]},{"text":"What I'll do, if it's possible, they may need to get some sort of report from the doctor Yeah.","start_word":2225,"end_word":2243,"intents":[{"intent":"Report back to doctor","confidence_score":0.0019372755}]},{"text":"So I will get the team to basically do some quotes, call around, and see what information we need. I may Yep. need to get, obviously, that report and a couple of updates from you, and then that way they can give you a good answer. Yep.","start_word":2314,"end_word":2360,"intents":[{"intent":"Provide information","confidence_score":0.0634639},{"intent":"Receive quotes","confidence_score":0.026195737}]},{"text":"need to get, obviously, that report and a couple of updates from you, and then that way they can give you a good answer. Yep.","start_word":2336,"end_word":2360,"intents":[{"intent":"Request updates","confidence_score":0.028477546}]},{"text":"I'll do a bit of a check around. To be honest, Tal is actually probably one of the best in pricing at the moment. I don't think I'll find anyone that would beat them. I'll do the check just in case, but it may just be a case of something what you've got through them. Yeah.","start_word":2393,"end_word":2448,"intents":[{"intent":"Check","confidence_score":0.54355836},{"intent":"Check system","confidence_score":0.70048785}]},{"text":"I've got your your height listed at a hundred and nine centimeters. Is that right?","start_word":2474,"end_word":2488,"intents":[{"intent":"Confirm","confidence_score":0.000011083584},{"intent":"Retrieve weight","confidence_score":0.0033289061}]},{"text":"I don't own a car anymore. The business owns it.","start_word":2577,"end_word":2586,"intents":[{"intent":"Hold company","confidence_score":0.00013824423},{"intent":"Inquire about ownership","confidence_score":0.0045648008}]},{"text":"We've got Kalen listed for Yep. the superannuation. So non matching, legally binding, so that's all good. I'll make sure that's on the life insurance too. Yeah.","start_word":2726,"end_word":2752,"intents":[{"intent":"Ask about kalen's debt","confidence_score":0.000022496308}]},{"text":"Have you ever gone through a bankruptcy or a part nine debt agreement before?","start_word":2865,"end_word":2878,"intents":[{"intent":"Ask about previous debt","confidence_score":0.04045863}]},{"text":"Have you ever gone through a bankruptcy or a part nine debt agreement before? No, mate.","start_word":2865,"end_word":2880,"intents":[{"intent":"Inquire about previous financial activities","confidence_score":0.00063037}]},{"text":"We you were basically focusing on purchasing some investment properties, maybe renting out the one that you've got, changing homes, and obviously focusing on building the business. Is that still Yep.","start_word":2901,"end_word":2931,"intents":[{"intent":"Clarify purpose","confidence_score":0.0016394386}]},{"text":"Now the returns have been pretty good, but with the legislation that came in for capital gains tax and negative gearing, the property option is starting to tumble down, which is a bit of a worry for those companies. The Yeah.","start_word":3578,"end_word":3618,"intents":[{"intent":"Resolve tax and property options","confidence_score":0.00034585778}]},{"text":"Are you okay for the team to kind of reach out if they need to clarify any details for the underwriting for the insurance? Yeah, mate.","start_word":3717,"end_word":3742,"intents":[{"intent":"Clarify insurance details and provide updates on plan","confidence_score":0.0000045514244}]},{"text":"I'll get Michelle to send out your annual review packet so you've got all the certificates of currency, super performance, service guides, and everything with you. If anything Yep.","start_word":3825,"end_word":3853,"intents":[{"intent":"Provide annual review and report","confidence_score":0.008318942}]},{"text":"And just for the fee structures with Oakview, so I believe our consent expired on BT, which we'll need to fix up.","start_word":3896,"end_word":3917,"intents":[{"intent":"Provide guidance on ways to fix fee structures","confidence_score":0.0000029949124}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.04965462163090706},{"text":"Good day, Tristan.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.34318897128105164},{"text":"It's Tommy here, senior adviser from. How are you doing?","start_word":4,"end_word":13,"sentiment":"neutral","sentiment_score":0.1925073117017746},{"text":"Good, mate.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.4014948010444641},{"text":"How are you going?","start_word":16,"end_word":19,"sentiment":"neutral","sentiment_score":0.3201991021633148},{"text":"Living the dream. It's a beautiful Friday on the Gold Coast.","start_word":20,"end_word":30,"sentiment":"positive","sentiment_score":0.6324355602264404},{"text":"Mate, what about your end? Yeah. I bet.","start_word":31,"end_word":38,"sentiment":"neutral","sentiment_score":0.16947677731513977},{"text":"It's nice day down here for once. A little bit little bit cool, but she's getting better as a day at your time.","start_word":39,"end_word":61,"sentiment":"positive","sentiment_score":0.48663583397865295},{"text":"That's what we like to hear, mate. I've got you booked in. Michelle let me know that you were trying to get some insurances looked at. Do you mind if I just go through a quick security check with you? Yeah. You're on my next shift. Beautiful. So I'm registered with our ticket advisor 1273105. Are you okay for the call Yep. to be recorded? Yeah. Beauty. And I just need your date of birth and address for security. Fifteenth of August ninety four. One plus twenty five Hoskins Avenue, Lythgaeton, New South Wales two seven nine o. Sensational.","start_word":62,"end_word":160,"sentiment":"neutral","sentiment_score":0.06824804842472076},{"text":"Thank you so much for that, mate.","start_word":161,"end_word":167,"sentiment":"positive","sentiment_score":0.5495244264602661},{"text":"I've had a bit of a deep dive on the file just to get a bit of a handle on what insurances you currently have Yep. and few questions to kind of see what we can get you. I was also just gonna quickly touch base on on the two because there's a few changes I'd like to make on that as well if you do have a few minutes. Yeah, mate. Yeah. Yeah.","start_word":168,"end_word":241,"sentiment":"neutral","sentiment_score":0.17187070846557617},{"text":"Beautiful.","start_word":242,"end_word":242,"sentiment":"positive","sentiment_score":0.403714656829834},{"text":"Now when it comes to the details we have on file, I believe Michelle's updated most of it, so thank you very much for that. I just want to quickly double check with you income level. The 110,000 that we've got, is that is that current from this Yeah. Give or take. Yeah. Give or take, probably ten. year? Yep. Okay. So between about a 100 to a 120 depending on, like, OT and stuff like that. Yeah. Yeah. Well, I'm a I'm a subcontractor, so I work for myself.","start_word":243,"end_word":332,"sentiment":"neutral","sentiment_score":0.07578612585655517},{"text":"Beautiful.","start_word":333,"end_word":333,"sentiment":"positive","sentiment_score":0.44663649797439575},{"text":"Okay. So electrician, underground mining, prequalified, six years, that kind of thing. I've been in the mines for six years. I've been qualified as an electrician for almost eight years, I'd say. Eight or nine years. Yeah. Probably eight or nine years. Yep. Four, five, eight, or nine years.","start_word":334,"end_word":382,"sentiment":"neutral","sentiment_score":0.03259703516960144},{"text":"Beautiful.","start_word":383,"end_word":383,"sentiment":"positive","sentiment_score":0.4601733684539795},{"text":"Alrighty. So having a look at what you've currently got, we've got some income protection in there as well. Yep. Now good news for you. So Al is one of the sort of biggest insurers. They've taken over BT. They bought out their life insurance side of things. So it's still owned through BT, but it's insured through TEL at the moment. Yep. Yep. You've got an income protection policy at the moment, $5,089 a month worth of cover, and it's a it's a thirty day waiting period. So if you had to work for a month, it kicks in, and it pays out for up to five years per injury or illness, if that makes Yep. sense. Now just based on, like, cover levels, because you've had the policy since 2019, they can insure you for 75% of your income, which they capped it at 70 percent for anyone after 2021. So you've kind of got the the bigger type of policy, if that makes sense. Yep. So based on that, the maximum that you can have is 6,875 a month, a little bit above what you've currently got insured for. So you're thinking Yeah. Yeah. of just a bit of a top up? Potentially. Just because because I am a subcontractor working for myself, I'd kinda yeah. I'd like to stay if I if something does happen to me, I'd like to stay away from the kind of business insurance, if that makes sense. Yeah. Yep. I get you. Yes. If I had you know, because I can always work something else out there. But yeah. Just yeah. I don't know. I was just trying to see what I was insured for. I thought it was a lot less than that. I thought it was only about $2,000 a month. So, yeah, that's not too bad.","start_word":384,"end_word":691,"sentiment":"neutral","sentiment_score":-0.02488656248897314},{"text":"Cool. So with the the 5,000 you've got, that's obviously pretax. So that'll kick in about $1,000 a week after tax that will go to you. Yep. You do have an own occupation policy too, which is a lot better than in any occupation.","start_word":692,"end_word":735,"sentiment":"positive","sentiment_score":0.4066347181797027},{"text":"It basically means that if you can't do the job that they insured you for, it'll kick in rather than saying, oh, can you go back and do this part of the job or that part of the job? So what what does that what what does that so say that again. Sorry. Just so I can Easy it's a done. we don't yeah. Let's say you're out of work for injury or illness for, like, a month. Right? The main definition that everyone usually gets is in any occupation, which basically says you can't complete any occupation that you're reasonably suited to doing, Whereas you've Mhmm. got an own occupation definition, which basically means if you can't do what they insured you for specifically, then you're good to go. Right. So what's And the it what's basically the insurance just means on that? that you don't have to go, That's the 5,000 a month for the income protection. Yep. Because that's basically what I was calling up about. I've had a lot of friends at the moment at work, a lot of mates at work who have hurt themselves playing sports, things like, you know, ruptured ACLs and shoulder recos and all that stuff. And now we're insured Yeah.","start_word":736,"end_word":945,"sentiment":"neutral","sentiment_score":0.01276469323784113},{"text":"for, like if they if they caught an injury or an illness, which proves that they can't work in that industry anymore, I think that was that we're insured for something.","start_word":946,"end_word":976,"sentiment":"negative","sentiment_score":-0.3673476278781891},{"text":"I think one mate said he was insured for 1,200,000 if he if he can't do that occupation anymore. Right. Right. They may be talking about, like, the big lump sum stuff, PPD, Yep. which is, like, total disablement. So income protection is if you're out of work temporarily for a few months. PPD is if you're permanently unable to work. Okay. And you've got a little bit of that. Let me just have a quick look at what we've got. We've got 382,000 worth of life insurance and total disability linking up next to that income protection. Yeah. I might have to go I might have to increase that a little bit. Yeah. So for the income protection, do you think the 5,000 a month will sort of cover the the bills as much as you need? You don't need me to top that one up. Just focus on the other two. Depending on the pay difference, like, how much it's gonna cost because I it's so hard to say because, you know, I don't live a hectic lifestyle where I'm playing sport on the weekends or, you know, anything like that. Like, my my sports of choice are lawn bowls and golf. You know? So I'm not playing, Beautiful. yeah, I'm not playing contact sport or anything like that.","start_word":977,"end_word":1197,"sentiment":"neutral","sentiment_score":-0.11159759759902954},{"text":"So the the risk of injury isn't as much as, say, you know, if I was out playing footy or whatever.","start_word":1198,"end_word":1218,"sentiment":"negative","sentiment_score":-0.34202614426612854},{"text":"But, you know, Yeah.","start_word":1219,"end_word":1222,"sentiment":"neutral","sentiment_score":-0.18096700310707092},{"text":"it's it's hard to say because, you you know, working for myself, yeah, that covers my wages, but it doesn't really cover the business.","start_word":1223,"end_word":1246,"sentiment":"negative","sentiment_score":-0.37168827652931213},{"text":"So No. yeah. Yeah. I mean yeah. What what's the what's the price difference between topping it up and what it's at now? Well, the total for all three of them is about 1,700 a year at the moment, $17.50, which is actually pretty pretty cheap compared to a lot of them out there, which are about $2.5.03 grand.","start_word":1247,"end_word":1305,"sentiment":"neutral","sentiment_score":0.12998554363089093},{"text":"So I Yeah. would Absolutely. estimate I'll do some quotes.","start_word":1306,"end_word":1315,"sentiment":"positive","sentiment_score":0.42826205492019653},{"text":"But if you bump that up to the maximum for the income protection, I would say that might bump an extra $4,500 on, and I've got to do the quotes for, like, the life and disability insurance as well. But you've got a lot going in in contributions and growth as well. So compared to most people, I'm not too worried that it's gonna, like, eat away at super too much, but I do put Yep. a bit of a cap on it. I've gotta make sure it's basically below 30% of your contribution. Yeah. And let's let's bump it up then because, like, because, like like you said, $7,800, if it was to add an extra $500, 600 worst case, you know, that's still sitting in a pretty decent ballpark. Yeah. And when I put this together so we'll do the quote. I'll put it together and update a statement of advice, and then you can say, oh, look. When when I see the breakdown in writing, I wanna go ahead with this and not that. I'll go Yep. for all three, and then you let me know what you wanna go ahead with. Yep. Couple of things too. So the red flags that I've gotta kinda work through in the background, in 2019, that own occupation definition, I'm assuming that lines up then with you doing electrical work back then when that was applied for. Yeah. That would have been that's probably the time I started in the in the pit, like, in in morning. Yep. Okay. So what I basically do is we call the the current insurer and other insurers kind of anonymously just to underwrite, like, what they would do for the occupation rating. Yep. Because any increasing cover goes through, like, the health and medical and occupation questions. Underground's usually a bit rough, but electrician qualified is usually gonna be good. So it's gonna settle Yeah. somewhere between the two, and I'm just gonna have to do some negotiation. Yeah. Okay. For the the lump sum covers like that total disablement that we're saying, we've got just under 400 at the moment. And I think I've got your your mortgage listed about $3.50. So I'm just wondering, are you wanting to approach that kind of million dollar full top up or just cover the mortgage? What what are you sort of thinking for the lump sums if you could never work ever again?","start_word":1316,"end_word":1724,"sentiment":"neutral","sentiment_score":0.030727950541853614},{"text":"Well, if I can never work ever again, it would you know, again, depending on the circumstances, if it ever did happen, you know, it depends on how it would happen.","start_word":1725,"end_word":1755,"sentiment":"negative","sentiment_score":-0.3573041558265686},{"text":"You know, car accident, work accident, something like that.","start_word":1756,"end_word":1764,"sentiment":"neutral","sentiment_score":-0.25988784432411194},{"text":"You know, if I could never work again, I'd obviously wanna be because I've got a five year old son. I'd wanna be able to pay off that mortgage. And if, you know, worst case, it was a death, you know, I don't don't wanna have to pay off the house and then have a little bit left over and have family scrambling to try and pay for funerals and stuff like that.","start_word":1765,"end_word":1837,"sentiment":"negative","sentiment_score":-0.34908178448677063},{"text":"So Yeah. to be So able to to be able to bump that up to, I don't know, maybe the anywhere around that, probably million dollars, give or take $200, you know, around that 800 to to a million, you know, that that would be probably ideal. Again, depending on how much it's gonna cost me. 100%. One of the cool things too is that once you approach the the round figures, 500, they apply a lump sum discount. So sometimes Yep. it's cheaper to get a mil than it is to get 900,000. Yeah. I'll quote for both just so you can see the difference. Yep. Now the other thing that I've got us to worry about is just on the health side of things. The only thing that I can see that was a major issue was some possibly bulging discs back in maybe 2019 or quite a quite a few years away, Yeah. and That maybe that you was were that looking that was at some a surgery a couple years ago. no. That was a long time ago. That wasn't that that's all sorted now. I've got no issues with my back.","start_word":1838,"end_word":2033,"sentiment":"neutral","sentiment_score":0.01629906740723824},{"text":"To be honest, I think that was just a case of being lazy, you know, being lazy and then thinking that I was as fit as what I once was.","start_word":2034,"end_word":2063,"sentiment":"negative","sentiment_score":-0.3971690535545349},{"text":"You know, now I'm probably the fittest and healthiest I've ever been in my life. You know, I don't have any back injuries. I don't have any niggling injuries. You know, I'm yeah. I think that was just a case of maybe, like, I don't know, maybe a pinched nerve or something like that. But, yeah, no. The back is completely fine. K. So what I'll do, if it's possible, did One. you actually go through any surgeries at the time, or was it just kind of scans and checkups? And then what how did it get resolved? Just scans and checkups, mate. It was I really only went for one major checkup in a with a doctor down in Sydney, and he he basically just said, like, you know, take it easy. You know, there's there's nothing really to worry about. Get your get your fitness in check and, you know, start living in a more active lifestyle. Yep. Gotcha. What I'll do, if it's possible, they may need to get some sort of report from the doctor Yeah. Of because course. there was an investigation. They'll they'll wanna see what's in writing kind of thing. They'll they'll never just Yep. waive it through, if that makes sense. Yeah. Of course. I understand that. As far as the doctor, I've got Kingswood, New South Wales. I'm not gonna attempt to say the name, but I've got the doctor's name. Doctor Deed Shadban's there. Alright. Couple of things. Alright. Sweet. So I will get the team to basically do some quotes, call around, and see what information we need. I may Yep. need to get, obviously, that report and a couple of updates from you, and then that way they can give you a good answer. Yep. Last thing I wanna do is send you to an application and have it come back with any issues that you're not, you know, expecting. Yep.","start_word":2064,"end_word":2386,"sentiment":"neutral","sentiment_score":0.022261736401999743},{"text":"Beautiful. So that's nice and easy.","start_word":2387,"end_word":2392,"sentiment":"positive","sentiment_score":0.6266704797744751},{"text":"I'll do a bit of a check around. To be honest, Tal is actually probably one of the best in pricing at the moment. I don't think I'll find anyone that would beat them. I'll do the check just in case, but it may just be a case of something what you've got through them. Yeah. I rather. Oh, just quickly as well because it does affect discounts based on BMI. I'll just grab updated weight from you if that's okay. I've got your your height listed at a hundred and nine centimeters. Is that right? Probably a hundred and eighty six. Hundred and eighty six centimeters. And in kilos or pounds, I can just do a quick check on their system for the discount. Yeah. Eighty nine kilos. Eighty nine. Beautiful. Obviously, nonspoken. No, sir. I got yeah. Yeah. It's great. Just swagger's right, send to double it, and that's not fun for anyone. Yeah. Yeah. So we've got the assets and liabilities, the home, car, motorbike shares, and credit card So is the I sort don't of five that we've got listed. I don't own a car anymore. The business owns it. Yeah.","start_word":2393,"end_word":2587,"sentiment":"neutral","sentiment_score":-0.00216844501451422},{"text":"Great.","start_word":2588,"end_word":2588,"sentiment":"positive","sentiment_score":0.514752984046936},{"text":"So me, personally, I don't own a car anymore. Is he done for the motorbike? Do you have any loans on that? Or Yeah. Yeah. It's two to three hours paid off. It's I think that'd be worth around $8,000 once paid off. is he done what would be owing? Like, a thousand bucks, $2,000? I think about $3, I think. Yep. He's done doesn't make too much difference for the insurance side of things. We're not Yep. gonna work in selling off your bike if you pass away or anything. Yep. Just put an estimate in. Business car, fleet, income, that's all good. Just in terms of beneficiaries for both the life insurance and the super, I believe Yep. we've got listed. Let me just have a look at the details, make sure that is correct. We've got Kalen listed for Yep. the superannuation. So non matching, legally binding, so that's all good. I'll make sure that's on the life insurance too. Yeah. Yep. Couple of quick checkpoints before I let you go. Did you end up getting, like, a will or a power of attorney in place since you you you came on board? No. I haven't yet. It's one of those things I just, you know, never seem to remember to do. That's alright, mate. It's just usually a yearly reminder from us and, you know, a couple of pointers that even Old Post has government approved kits for $25 a pop, but Yeah. it is something I need to check as well. Couple of quick different questions here just because I've increased the anti money laundering checks that we need to do. Have you ever gone through a bankruptcy or a part nine debt agreement before? No, mate.","start_word":2589,"end_word":2880,"sentiment":"neutral","sentiment_score":0.008178217336535454},{"text":"Beautiful.","start_word":2881,"end_word":2881,"sentiment":"positive","sentiment_score":0.40139877796173096},{"text":"Just in terms of the super, like I mentioned before, and some gold here, quick update on this. We you were basically focusing on purchasing some investment properties, maybe renting out the one that you've got, changing homes, and obviously focusing on building the business. Is that still Yep. kind of like your your three to five year focus? Yeah, mate. I I mean, I'm not in a I'm not in any rush to relocate or move at the moment. It has been a conversation with my son's Mhmm. mom. Her and I aren't together, but it has been a conversation Yes. possibly to move in the next maybe two years, maybe three. But, yeah, just if I can have money there ready to kind of you know, ready to hit pull the trigger and kinda go wherever they go, so I'm close to him. Yeah. Build the savings up, build up the equity, that kind of thing. Yeah.","start_word":2882,"end_word":3040,"sentiment":"neutral","sentiment_score":0.09658939236739895},{"text":"Pretty much. Beautiful.","start_word":3041,"end_word":3043,"sentiment":"positive","sentiment_score":0.48627138137817383},{"text":"Anything else as a major focus for the next twelve months that I've got to factor in? Not really, mate. Not not really. Just the just the general life stuff. You know? Yeah. Nothing nothing that stands out.","start_word":3044,"end_word":3081,"sentiment":"neutral","sentiment_score":0.10808083415031432},{"text":"Awesome.","start_word":3082,"end_word":3082,"sentiment":"positive","sentiment_score":0.553786039352417},{"text":"The last couple of things I'll check with you and then let's see is just in terms of the way you're structuring the wages and everything from the business. So it looks to me like you're drawing a wage from the business and paying yourself super from that. Is that correct? The yeah. The yeah. The business pays me super. I still need to get on top of that and make a couple of payments. But, yeah, the business pays my super, and then I pay wages as well out of the business. Sweet. So the only thing that I kind of noticed when I went through the account this morning is that the the payments have kind of increased. Last financial year, about 9,200 went in, and this financial year, so far, there's already $7 that's gone in. Yep. That's Each contribution that's that's is around about $2.2.5. yeah.","start_word":3083,"end_word":3232,"sentiment":"neutral","sentiment_score":0.022563444450497627},{"text":"That's around that that that's that's my fault.","start_word":3233,"end_word":3240,"sentiment":"negative","sentiment_score":-0.4225499629974365},{"text":"I I was under the impression that the super would be drawn automatically. I wasn't under the impression that because I'm still a new business owner. It's really tough trying to find my feet. I I thought they were paid automatically, but they weren't. So they were well, without paying super. But I'm getting on top of that now.","start_word":3241,"end_word":3299,"sentiment":"neutral","sentiment_score":-0.08966346830129623},{"text":"Perfect.","start_word":3300,"end_word":3300,"sentiment":"positive","sentiment_score":0.6186859011650085},{"text":"So it's a bit of a catch up, if anything. Yeah. Yeah. 100%. Cool. Yeah. I just wanted to flag just to make sure that you don't go over that kind of 32,500 for the cap. But if you're paying Yep. it as a percentage on on wages over a $100, you're not gonna Yep. go over that anyway. If you do, because you've done a catch up, they still use up the last five years worth of cap anyway, so you should be good for for a period. Just that Yep. one, you know, $40 randomly going in there for five years, if that makes sense. You've caught the taxes. Yeah. Yeah. No. I I I don't think I even owe that much. I think I only owe myself another maybe 9,000 in super. Yep. Okay. I'll factor that in. So what I'll do, just for the plan and the projections and everything, I'll factor in the premiums like I was saying and how that's gonna impact the super. And then Yep. I'll just kind of base it on the, like, the 12% of your your wages as a salary, and I'll just Yep. make a note that the contributions will be a bit kind of ad hoc while you catch up. Yep. Cool. Last thing for me, just with the the risk profile on the super, we've still got your pretty well high growth trying to aim for the high long term returns, you know, 90 to a 100% in those growth assets, like shares, property, and gold. There is a couple of options that I would like to switch out for you. Yep. Yep.","start_word":3301,"end_word":3577,"sentiment":"neutral","sentiment_score":0.05204838753714888},{"text":"Now the returns have been pretty good, but with the legislation that came in for capital gains tax and negative gearing, the property option is starting to tumble down, which is a bit of a worry for those companies.","start_word":3578,"end_word":3616,"sentiment":"negative","sentiment_score":-0.4102192521095276},{"text":"The Yeah. one of the term deposits you've got, the government's gonna phase that out over the next three years, so I'll get a an easy switching for that. And then one Australian shares option that's been underperforming. So if it's okay with you, I'm looking to possibly switch that underperforming option out to something a little bit lower fee, a little bit more focused on, you know, following the market a bit closer than what this one is Yep. currently doing, but the rest of them all look really good. Okay. Cool. I'll mix both of those into it. Are you okay for the team to kind of reach out if they need to clarify any details for the underwriting for the insurance? Yeah, mate. Yeah.","start_word":3617,"end_word":3743,"sentiment":"neutral","sentiment_score":0.0787462443113327},{"text":"Awesome.","start_word":3744,"end_word":3744,"sentiment":"positive","sentiment_score":0.4717804193496704},{"text":"Like I said, we'll do the quotes. We'll do the calls. Anything we need, we'll reach out to you, see if we can Yep. get a report. I'll put together the plan with the comparison, the quotes, my recommendations, and the super, and give you some updated figures in writing over the next few weeks, and Yep.","start_word":3745,"end_word":3801,"sentiment":"neutral","sentiment_score":0.27316349744796753},{"text":"it should be good to go. Cool. Easy. Sounds good, mate.","start_word":3802,"end_word":3812,"sentiment":"positive","sentiment_score":0.4139841198921203},{"text":"Any questions for me at this point there, Tristan? Nah. Nah. Awesome. I'll get Michelle to send out your annual review packet so you've got all the certificates of currency, super performance, service guides, and everything with you. If anything Yep. does happen, like, obviously, we do help people with claims and claims advice. We're probably not the first people to call if you get majorly injured, but just give us a buzz if you do, and we'll help you Yep. through that. And just for the fee structures with Oakview, so I believe our consent expired on BT, which we'll need to fix up. It's still the same phase as last year, 1.65%, but we've got a tiered structure coming in. So when you get 200,000 discounts, you'll start to be applied.","start_word":3813,"end_word":3945,"sentiment":"neutral","sentiment_score":0.07630006772907157},{"text":"Yeah. Awesome. Cool. Alrighty, mate. I'll send that pack out to you, and we will talk to you in the next couple of weeks. Very good. Sounds good. Legend, mate. Have a fantastic weekend. Thanks, Mike. You too. Talk soon. Thanks, Tristan. Bye.","start_word":3946,"end_word":3988,"sentiment":"positive","sentiment_score":0.6116392612457275},{"text":"Mate.","start_word":3989,"end_word":3989,"sentiment":"neutral","sentiment_score":0.24823147058486936}],"average":{"sentiment":"neutral","sentiment_score":0.02545144770571494}}}}