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Premium. Yes. And I know that you've spoken with Dana before about adjusting it, but you haven't wanted to adjust it because it was kind of needed. But based on the financial settlement, divorce happening, probably not a a case moving forward. Okay. Cool. So Mhmm. Yeah. Well, happy days. The actual policy renewal date is October 14. Yeah. I can request to, like, not pay the premium this second and delay it. Realistically and essentially speaking, we have, like, thirty days after the policy renewal to make sure the premium is paid before things get a little bit hairy anyway. Yep. Okay. Yeah. So alright. So based on your verbal confirmation, what I am going to do is I am going to pause the premium and request that it does not get paid right now. If I do not hear from you by and I'm going to set a hard date. If I do not hear from you by the October 28, which is two weeks after the premium is due, I am going to get it paid because I will not be meeting my obligation if I don't hear from you by the twenty eighth, and I need to make sure it gets paid. If you make a decision after the twenty eighth of October, that's something that that you wanna alter it, reduce it, cancel it, whatever has been paid for the year, you will get a pro rata refund. So it's not, I guess, the end of the world. No. Just because you pay for a year's worth of insurance, if you end up canceling the policy within the year, you do get a pro rata refund, but it's you'll basically get all of it less an administration charge and whatever you've basically used. So if you use, say, like, three three weeks of it, you won't get the three weeks back, but you'll get all of it except the three weeks plus the and the admin fee. Depends on the policy age, depends on everything, but, generally, somewhere between a few 100 to a grand ish. It just depends on how much rigmarole it is. And yeah. Cool. But I'm just I'm just gonna set that hard date just on the off chance that life explodes for you and you don't get a chance to call me or something happens. Okay. Yeah. It becomes a little bit dicey. Technically, the policy the policy is technically still in place. It's just pending a payment. It hasn't it's not canceled or anything like that. It is still technically in place, but it does become a little bit dicey and not something I really wanna be sitting too far into the realm of. No. It just but, yeah, it becomes a little bit and especially since yeah. It's yeah. Cool. And then can I We'll we'll need a bit of a a decent meeting by the sounds of things? Well, it sounds like we'll we'll need to sit down and have a decent meeting. Yeah. Well, we can do that. So are we are we needing like, are we wanting to when when it comes down to it in, I guess, a a month's time, are you looking at possibly canceling this policy, or it just it's yep. We won't need this full amount that we have. Okay. Well, do you want me to start having a look into avenues in that area now? So that way when it comes time for us to loop around, we have a little bit of information. Yes. Yes. It is it is very high. It's very up there. Yeah. It popped up. Because currently so can can I ask? I I again, I'm on the back foot. I haven't reviewed your file. But occupation wise, what are we doing nowadays? Yeah. Yeah. Cool. Alright. No. That's okay. Alright. So fuel tanker driver, are we long distance? Nope. Cool. So metro. Amazing. Alright. And then what is happening with the settlement? So, like, can I ask roughly based on what you know so far, where are assets moving through? Okay. Any of the debts or will the debts be cleared? K. Cool. So somewhere between the one to 1.3. Cool. Alright. So that's like yeah. Yeah. No. No. No. Makes sense. Alright. Cool. Alright. Perfect. So then it's just a matter of probably a a heavy adjustment to the policy and or complete rewrite pending everything. Yep. Yeah. Okay. Alright. Perfect. Well, I'll have a quick look and see whether there's any other alternative providers at the moment with your occupation and what that fits at. And then when you know more of the financials, we can kinda sit down and have that either you and Dana, you and I, depending on timelines, we can sit down and actually have a conversation about where how much we need in cover, if we need cover at all, and what that looks like. I am. I'm the head of financial advice for Oakview. Yeah. So I can do it all for you. Yeah. Yeah. Yeah. It's just I'm I'm putting that contingency in my own schedule that I'm just gonna trigger it at that date. But I'll pop you in my calendar for, say, like, the twelfth. I'll give you a call because that should be the Monday. I'll give you a call, and we'll go from there. Yeah. Too easy. I look forward to speaking to you then. Yeah. Sebby's still here. He's he's, like, one of the directors along with Bart. He he floats. He does his thing. Oh, your your your your full financial plan? Yeah. No. He's around. Will do. Speak soon. 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Richard. Larissa here. How are you going? That's good to hear. Alright.\n\nI'm on the back foot, but that's okay. I'm playing catch up. Absolutely. Like, cover till age wise? Or Yep.\n\nYes. Premium. Yes. And I know that you've spoken with Dana before about adjusting it, but you haven't wanted to adjust it because it was kind of needed. But based on the financial settlement, divorce happening, probably not a a case moving forward.\n\nOkay. Cool. So Mhmm. Yeah. Well, happy days.\n\nThe actual policy renewal date is October 14. Yeah. I can request to, like, not pay the premium this second and delay it. Realistically and essentially speaking, we have, like, thirty days after the policy renewal to make sure the premium is paid before things get a little bit hairy anyway. Yep.\n\nOkay. Yeah. So alright. So based on your verbal confirmation, what I am going to do is I am going to pause the premium and request that it does not get paid right now. If I do not hear from you by and I'm going to set a hard date.\n\nIf I do not hear from you by the October 28, which is two weeks after the premium is due, I am going to get it paid because I will not be meeting my obligation if I don't hear from you by the twenty eighth, and I need to make sure it gets paid. If you make a decision after the twenty eighth of October, that's something that that you wanna alter it, reduce it, cancel it, whatever has been paid for the year, you will get a pro rata refund. So it's not, I guess, the end of the world. No. Just because you pay for a year's worth of insurance, if you end up canceling the policy within the year, you do get a pro rata refund, but it's you'll basically get all of it less an administration charge and whatever you've basically used.\n\nSo if you use, say, like, three three weeks of it, you won't get the three weeks back, but you'll get all of it except the three weeks plus the and the admin fee. Depends on the policy age, depends on everything, but, generally, somewhere between a few 100 to a grand ish. It just depends on how much rigmarole it is. And yeah. Cool.\n\nBut I'm just I'm just gonna set that hard date just on the off chance that life explodes for you and you don't get a chance to call me or something happens. Okay. Yeah. It becomes a little bit dicey. Technically, the policy the policy is technically still in place.\n\nIt's just pending a payment. It hasn't it's not canceled or anything like that. It is still technically in place, but it does become a little bit dicey and not something I really wanna be sitting too far into the realm of. No. It just but, yeah, it becomes a little bit and especially since yeah.\n\nIt's yeah. Cool. And then can I We'll we'll need a bit of a a decent meeting by the sounds of things? Well, it sounds like we'll we'll need to sit down and have a decent meeting. Yeah.\n\nWell, we can do that. So are we are we needing like, are we wanting to when when it comes down to it in, I guess, a a month's time, are you looking at possibly canceling this policy, or it just it's yep. We won't need this full amount that we have. Okay. Well, do you want me to start having a look into avenues in that area now?\n\nSo that way when it comes time for us to loop around, we have a little bit of information. Yes. Yes. It is it is very high. It's very up there.\n\nYeah. It popped up. Because currently so can can I ask? I I again, I'm on the back foot. I haven't reviewed your file.\n\nBut occupation wise, what are we doing nowadays? Yeah. Yeah. Cool. Alright.\n\nNo. That's okay. Alright. So fuel tanker driver, are we long distance? Nope.\n\nCool. So metro. Amazing. Alright. And then what is happening with the settlement?\n\nSo, like, can I ask roughly based on what you know so far, where are assets moving through? Okay. Any of the debts or will the debts be cleared? K. Cool.\n\nSo somewhere between the one to 1.3. Cool. Alright. So that's like yeah. Yeah.\n\nNo. No. No. Makes sense. Alright.\n\nCool. Alright. Perfect. So then it's just a matter of probably a a heavy adjustment to the policy and or complete rewrite pending everything. Yep.\n\nYeah. Okay. Alright. Perfect. Well, I'll have a quick look and see whether there's any other alternative providers at the moment with your occupation and what that fits at.\n\nAnd then when you know more of the financials, we can kinda sit down and have that either you and Dana, you and I, depending on timelines, we can sit down and actually have a conversation about where how much we need in cover, if we need cover at all, and what that looks like. I am. I'm the head of financial advice for Oakview. Yeah. So I can do it all for you.\n\nYeah. Yeah. Yeah. It's just I'm I'm putting that contingency in my own schedule that I'm just gonna trigger it at that date. But I'll pop you in my calendar for, say, like, the twelfth.\n\nI'll give you a call because that should be the Monday. I'll give you a call, and we'll go from there. Yeah. Too easy. I look forward to speaking to you then.\n\nYeah. Sebby's still here. He's he's, like, one of the directors along with Bart. He he floats. He does his thing.\n\nOh, your your your your full financial plan? Yeah. No. He's around. Will do.\n\nSpeak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Richard.","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.2028372883796692},{"text":"Larissa here.","start":2.96,"end":3.84,"sentiment":"neutral","sentiment_score":0.2019602134823799},{"text":"How are you going?","start":3.84,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.28413116186857224},{"text":"That's good to hear.","start":7.2,"end":8.82,"sentiment":"positive","sentiment_score":0.6692910194396973},{"text":"Alright.","start":9.679999,"end":10.16,"sentiment":"neutral","sentiment_score":0.15335699915885925}],"sentiment":"positive","sentiment_score":0.36743390216277194,"num_words":13,"start":2.0,"end":10.16},{"sentences":[{"text":"I'm on the back foot, but that's okay.","start":10.16,"end":12.559999,"sentiment":"neutral","sentiment_score":0.07249010959640145},{"text":"I'm playing catch up.","start":12.559999,"end":13.94,"sentiment":"neutral","sentiment_score":0.025276321917772293},{"text":"Absolutely.","start":19.785,"end":20.285,"sentiment":"neutral","sentiment_score":0.11961428821086884},{"text":"Like, cover till age wise?","start":34.96,"end":37.3,"sentiment":"neutral","sentiment_score":-0.04250025562942028},{"text":"Or Yep.","start":37.52,"end":47.595,"sentiment":"neutral","sentiment_score":-0.040932681411504745}],"sentiment":"neutral","sentiment_score":0.025313690584152938,"num_words":20,"start":10.16,"end":47.595},{"sentences":[{"text":"Yes.","start":52.375,"end":52.875,"sentiment":"neutral","sentiment_score":-0.0056421756744384766},{"text":"Premium.","start":57.87,"end":58.37,"sentiment":"neutral","sentiment_score":-0.15542377531528473},{"text":"Yes.","start":65.07,"end":65.55,"sentiment":"neutral","sentiment_score":-0.04855235666036606},{"text":"And I know that you've spoken with Dana before about adjusting it, but you haven't wanted to adjust it because it was kind of needed.","start":65.55,"end":72.045,"sentiment":"neutral","sentiment_score":-0.1181741626560688},{"text":"But based on the financial settlement, divorce happening, probably not a a case moving forward.","start":72.045,"end":76.604996,"sentiment":"neutral","sentiment_score":-0.11895474766691526}],"sentiment":"neutral","sentiment_score":-0.11507659509431484,"num_words":43,"start":52.375,"end":76.604996},{"sentences":[{"text":"Okay.","start":76.604996,"end":76.924995,"sentiment":"neutral","sentiment_score":0.07779514044523239},{"text":"Cool.","start":76.924995,"end":77.424995,"sentiment":"neutral","sentiment_score":0.13347318768501282},{"text":"So Mhmm.","start":77.564995,"end":85.72,"sentiment":"neutral","sentiment_score":-0.023298079147934914},{"text":"Yeah.","start":89.46001,"end":89.96001,"sentiment":"neutral","sentiment_score":-0.06217122450470925},{"text":"Well, happy days.","start":99.785,"end":101.485,"sentiment":"positive","sentiment_score":0.5053682426611582}],"sentiment":"neutral","sentiment_score":0.2023257091641426,"num_words":8,"start":76.604996,"end":101.485},{"sentences":[{"text":"The actual policy renewal date is October 14.","start":102.345,"end":106.765,"sentiment":"neutral","sentiment_score":0.013256375677883625},{"text":"Yeah.","start":114.01,"end":114.51,"sentiment":"neutral","sentiment_score":0.06674802303314209},{"text":"I can request to, like, not pay the premium this second and delay it.","start":115.130005,"end":122.270004,"sentiment":"neutral","sentiment_score":-0.13025400654545852},{"text":"Realistically and essentially speaking, we have, like, thirty days after the policy renewal to make sure the premium is paid before things get a little bit hairy anyway.","start":123.274994,"end":132.015,"sentiment":"neutral","sentiment_score":-0.1550737918753709},{"text":"Yep.","start":135.59999,"end":136.09999,"sentiment":"neutral","sentiment_score":0.06946185231208801}],"sentiment":"neutral","sentiment_score":-0.11391079583420204,"num_words":52,"start":102.345,"end":136.09999},{"sentences":[{"text":"Okay.","start":141.84,"end":142.34,"sentiment":"neutral","sentiment_score":-0.2425040304660797},{"text":"Yeah.","start":144.23999,"end":144.73999,"sentiment":"neutral","sentiment_score":-0.02588886395096779},{"text":"So alright.","start":144.79999,"end":145.44,"sentiment":"neutral","sentiment_score":0.007635973393917082},{"text":"So based on your verbal confirmation, what I am going to do is I am going to pause the premium and request that it does not get paid right now.","start":145.44,"end":155.265,"sentiment":"neutral","sentiment_score":-0.07388583490004143},{"text":"If I do not hear from you by and I'm going to set a hard date.","start":155.965,"end":160.86499,"sentiment":"negative","sentiment_score":-0.44938740134239197}],"sentiment":"neutral","sentiment_score":-0.19319788832217455,"num_words":50,"start":141.84,"end":160.86499},{"sentences":[{"text":"If I do not hear from you by the October 28, which is two weeks after the premium is due, I am going to get it paid because I will not be meeting my obligation if I don't hear from you by the twenty eighth, and I need to make sure it gets paid.","start":161.245,"end":177.2,"sentiment":"neutral","sentiment_score":-0.2849627611813722},{"text":"If you make a decision after the twenty eighth of October, that's something that that you wanna alter it, reduce it, cancel it, whatever has been paid for the year, you will get a pro rata refund.","start":177.34,"end":189.395,"sentiment":"neutral","sentiment_score":-0.1437414638899468},{"text":"So it's not, I guess, the end of the world.","start":189.395,"end":192.215,"sentiment":"neutral","sentiment_score":-0.32559454441070557},{"text":"No.","start":194.97,"end":195.45,"sentiment":"neutral","sentiment_score":-0.2680855989456177},{"text":"Just because you pay for a year's worth of insurance, if you end up canceling the policy within the year, you do get a pro rata refund, but it's you'll basically get all of it less an administration charge and whatever you've basically used.","start":195.45,"end":209.585,"sentiment":"neutral","sentiment_score":-0.07141209368339994}],"sentiment":"neutral","sentiment_score":-0.18748346871811233,"num_words":146,"start":161.245,"end":209.585},{"sentences":[{"text":"So if you use, say, like, three three weeks of it, you won't get the three weeks back, but you'll get all of it except the three weeks plus the and the admin fee.","start":209.80501,"end":218.73,"sentiment":"neutral","sentiment_score":0.05010302331955994},{"text":"Depends on the policy age, depends on everything, but, generally, somewhere between a few 100 to a grand ish.","start":222.25,"end":228.83,"sentiment":"neutral","sentiment_score":-0.044415305613687166},{"text":"It just depends on how much rigmarole it is.","start":229.61,"end":233.295,"sentiment":"neutral","sentiment_score":-0.06634066336684757},{"text":"And yeah.","start":233.775,"end":236.915,"sentiment":"neutral","sentiment_score":0.11208876967430115},{"text":"Cool.","start":238.575,"end":239.055,"sentiment":"neutral","sentiment_score":0.22144782543182373}],"sentiment":"neutral","sentiment_score":0.010894944318211995,"num_words":65,"start":209.80501,"end":239.055},{"sentences":[{"text":"But I'm just I'm just gonna set that hard date just on the off chance that life explodes for you and you don't get a chance to call me or something happens.","start":239.055,"end":247.235,"sentiment":"neutral","sentiment_score":-0.1545344385667704},{"text":"Okay.","start":250.0,"end":250.5,"sentiment":"neutral","sentiment_score":-0.012593863531947136},{"text":"Yeah.","start":257.52,"end":258.02,"sentiment":"neutral","sentiment_score":-0.13591939210891724},{"text":"It becomes a little bit dicey.","start":259.6,"end":261.38,"sentiment":"neutral","sentiment_score":-0.3020370652278264},{"text":"Technically, the policy the policy is technically still in place.","start":262.325,"end":265.30502,"sentiment":"neutral","sentiment_score":-0.0024706222116947173}],"sentiment":"neutral","sentiment_score":-0.13861087806522845,"num_words":50,"start":239.055,"end":265.30502},{"sentences":[{"text":"It's just pending a payment.","start":266.725,"end":269.30502,"sentiment":"neutral","sentiment_score":-0.03751032203435898},{"text":"It hasn't it's not canceled or anything like that.","start":270.08502,"end":272.48502,"sentiment":"neutral","sentiment_score":-0.09482332319021225},{"text":"It is still technically in place, but it does become a little bit dicey and not something I really wanna be sitting too far into the realm of.","start":272.48502,"end":280.78,"sentiment":"neutral","sentiment_score":-0.30510518992585794},{"text":"No.","start":280.78,"end":281.28,"sentiment":"neutral","sentiment_score":-0.1331026256084442},{"text":"It just but, yeah, it becomes a little bit and especially since yeah.","start":286.38,"end":290.595,"sentiment":"neutral","sentiment_score":0.030645316036847923}],"sentiment":"neutral","sentiment_score":-0.1664039348917348,"num_words":56,"start":266.725,"end":290.595},{"sentences":[{"text":"It's yeah.","start":290.595,"end":294.535,"sentiment":"neutral","sentiment_score":0.0419720895588398},{"text":"Cool.","start":295.395,"end":295.715,"sentiment":"positive","sentiment_score":0.400979220867157},{"text":"And then can I We'll we'll need a bit of a a decent meeting by the sounds of things?","start":295.715,"end":307.97,"sentiment":"neutral","sentiment_score":0.06869908579086002},{"text":"Well, it sounds like we'll we'll need to sit down and have a decent meeting.","start":309.94998,"end":312.69,"sentiment":"neutral","sentiment_score":0.1459129159649213},{"text":"Yeah.","start":326.525,"end":327.025,"sentiment":"neutral","sentiment_score":-0.010438458994030952}],"sentiment":"neutral","sentiment_score":0.1044331923813412,"num_words":38,"start":290.595,"end":327.025},{"sentences":[{"text":"Well, we can do that.","start":329.245,"end":330.545,"sentiment":"neutral","sentiment_score":0.05927596762776375},{"text":"So are we are we needing like, are we wanting to when when it comes down to it in, I guess, a a month's time, are you looking at possibly canceling this policy, or it just it's yep.","start":330.96,"end":351.705,"sentiment":"neutral","sentiment_score":-0.024269015920397482},{"text":"We won't need this full amount that we have.","start":352.565,"end":354.665,"sentiment":"neutral","sentiment_score":-0.07466998116837607},{"text":"Okay.","start":358.885,"end":359.37,"sentiment":"neutral","sentiment_score":0.04054690897464752},{"text":"Well, do you want me to start having a look into avenues in that area now?","start":359.69,"end":364.43,"sentiment":"neutral","sentiment_score":0.06380825070664287}],"sentiment":"neutral","sentiment_score":-0.0034259953198657518,"num_words":69,"start":329.245,"end":364.43},{"sentences":[{"text":"So that way when it comes time for us to loop around, we have a little bit of information.","start":364.81,"end":369.22998,"sentiment":"neutral","sentiment_score":0.075728639960289},{"text":"Yes.","start":377.385,"end":377.465,"sentiment":"neutral","sentiment_score":-0.04923449456691742},{"text":"Yes.","start":377.465,"end":377.70502,"sentiment":"neutral","sentiment_score":-0.02580689638853073},{"text":"It is it is very high.","start":377.70502,"end":379.14502,"sentiment":"neutral","sentiment_score":-0.14083362991611162},{"text":"It's very up there.","start":379.14502,"end":380.285,"sentiment":"neutral","sentiment_score":-0.0729483887553215}],"sentiment":"neutral","sentiment_score":0.0073228204442608745,"num_words":31,"start":364.81,"end":380.285},{"sentences":[{"text":"Yeah.","start":391.28,"end":391.76,"sentiment":"neutral","sentiment_score":-0.002627011388540268},{"text":"It popped up.","start":391.76,"end":392.66,"sentiment":"neutral","sentiment_score":-0.005535398299495379},{"text":"Because currently so can can I ask?","start":393.04,"end":395.48,"sentiment":"neutral","sentiment_score":0.0008578897852982793},{"text":"I I again, I'm on the back foot.","start":395.48,"end":397.14,"sentiment":"neutral","sentiment_score":-0.03812098316848278},{"text":"I haven't reviewed your file.","start":397.54498,"end":399.645,"sentiment":"neutral","sentiment_score":-0.04790883027017116}],"sentiment":"neutral","sentiment_score":-0.023239166437027354,"num_words":24,"start":391.28,"end":399.645},{"sentences":[{"text":"But occupation wise, what are we doing nowadays?","start":400.185,"end":402.845,"sentiment":"neutral","sentiment_score":-0.03843048890121281},{"text":"Yeah.","start":406.66498,"end":406.985,"sentiment":"neutral","sentiment_score":-0.017629079520702362},{"text":"Yeah.","start":406.985,"end":407.305,"sentiment":"neutral","sentiment_score":0.031305067241191864},{"text":"Cool.","start":407.305,"end":407.54498,"sentiment":"neutral","sentiment_score":0.10346175730228424},{"text":"Alright.","start":407.54498,"end":407.785,"sentiment":"neutral","sentiment_score":0.05139530450105667}],"sentiment":"neutral","sentiment_score":-0.01157590514048934,"num_words":12,"start":400.185,"end":407.785},{"sentences":[{"text":"No.","start":407.785,"end":407.945,"sentiment":"neutral","sentiment_score":-0.02529512532055378},{"text":"That's okay.","start":407.945,"end":408.425,"sentiment":"neutral","sentiment_score":-0.010340291075408459},{"text":"Alright.","start":408.425,"end":408.66498,"sentiment":"neutral","sentiment_score":0.02197830006480217},{"text":"So fuel tanker driver, are we long distance?","start":408.66498,"end":411.245,"sentiment":"neutral","sentiment_score":-0.0052681625238619745},{"text":"Nope.","start":413.38,"end":413.62,"sentiment":"neutral","sentiment_score":-0.12029825150966644}],"sentiment":"neutral","sentiment_score":-0.014341612239010058,"num_words":13,"start":407.785,"end":413.62},{"sentences":[{"text":"Cool.","start":413.62,"end":414.02002,"sentiment":"neutral","sentiment_score":0.09598617255687714},{"text":"So metro.","start":414.02002,"end":415.08002,"sentiment":"neutral","sentiment_score":0.14974875003099442},{"text":"Amazing.","start":415.38,"end":415.88,"sentiment":"positive","sentiment_score":0.44124701619148254},{"text":"Alright.","start":417.54,"end":417.94,"sentiment":"neutral","sentiment_score":0.18923571705818176},{"text":"And then what is happening with the settlement?","start":417.94,"end":421.08002,"sentiment":"neutral","sentiment_score":0.00896119442768395}],"sentiment":"neutral","sentiment_score":0.08443507394538476,"num_words":13,"start":413.62,"end":421.08002},{"sentences":[{"text":"So, like, can I ask roughly based on what you know so far, where are assets moving through?","start":421.30002,"end":431.955,"sentiment":"neutral","sentiment_score":-0.04135736460900969},{"text":"Okay.","start":440.57498,"end":441.03,"sentiment":"neutral","sentiment_score":-0.020925676450133324},{"text":"Any of the debts or will the debts be cleared?","start":441.99,"end":444.17,"sentiment":"neutral","sentiment_score":-0.04783027935773134},{"text":"K.","start":446.38998,"end":446.87,"sentiment":"neutral","sentiment_score":-0.025006379932165142},{"text":"Cool.","start":446.87,"end":447.37,"sentiment":"neutral","sentiment_score":0.03749798983335495}],"sentiment":"neutral","sentiment_score":-0.03971514268027198,"num_words":31,"start":421.30002,"end":447.37},{"sentences":[{"text":"So somewhere between the one to 1.3.","start":447.67,"end":450.25,"sentiment":"neutral","sentiment_score":0.009929511430008071},{"text":"Cool.","start":450.47,"end":450.79,"sentiment":"neutral","sentiment_score":0.12719999253749847},{"text":"Alright.","start":450.79,"end":451.27,"sentiment":"neutral","sentiment_score":0.08833897113800049},{"text":"So that's like yeah.","start":451.27,"end":457.745,"sentiment":"neutral","sentiment_score":0.03333863569423556},{"text":"Yeah.","start":464.765,"end":465.005,"sentiment":"neutral","sentiment_score":-0.04615527763962746}],"sentiment":"neutral","sentiment_score":0.026588914915919304,"num_words":14,"start":447.67,"end":465.005},{"sentences":[{"text":"No.","start":465.005,"end":465.165,"sentiment":"neutral","sentiment_score":-0.1607648730278015},{"text":"No.","start":465.165,"end":465.325,"sentiment":"neutral","sentiment_score":-0.18846088647842407},{"text":"No.","start":465.325,"end":465.485,"sentiment":"neutral","sentiment_score":-0.2665214538574219},{"text":"Makes sense.","start":465.485,"end":466.045,"sentiment":"neutral","sentiment_score":-0.23310986906290054},{"text":"Alright.","start":466.045,"end":466.365,"sentiment":"neutral","sentiment_score":0.02411680482327938}],"sentiment":"neutral","sentiment_score":-0.17630835777769485,"num_words":6,"start":465.005,"end":466.365},{"sentences":[{"text":"Cool.","start":466.365,"end":466.865,"sentiment":"neutral","sentiment_score":0.09091141819953918},{"text":"Alright.","start":467.66,"end":468.14,"sentiment":"neutral","sentiment_score":0.10582271218299866},{"text":"Perfect.","start":468.14,"end":468.54,"sentiment":"neutral","sentiment_score":0.19939592480659485},{"text":"So then it's just a matter of probably a a heavy adjustment to the policy and or complete rewrite pending everything.","start":468.54,"end":475.68,"sentiment":"neutral","sentiment_score":-0.0788773489406421},{"text":"Yep.","start":479.18,"end":479.68,"sentiment":"neutral","sentiment_score":-0.05719856545329094}],"sentiment":"neutral","sentiment_score":-0.0526997135207057,"num_words":25,"start":466.365,"end":479.68},{"sentences":[{"text":"Yeah.","start":484.42502,"end":484.92502,"sentiment":"neutral","sentiment_score":-0.008833669126033783},{"text":"Okay.","start":485.065,"end":485.565,"sentiment":"neutral","sentiment_score":0.02532337605953217},{"text":"Alright.","start":485.70502,"end":486.105,"sentiment":"neutral","sentiment_score":0.1103096753358841},{"text":"Perfect.","start":486.105,"end":486.505,"sentiment":"neutral","sentiment_score":0.26850032806396484},{"text":"Well, I'll have a quick look and see whether there's any other alternative providers at the moment with your occupation and what that fits at.","start":486.505,"end":494.28,"sentiment":"neutral","sentiment_score":0.04461009919643402}],"sentiment":"neutral","sentiment_score":0.052088006560144756,"num_words":29,"start":484.42502,"end":494.28},{"sentences":[{"text":"And then when you know more of the financials, we can kinda sit down and have that either you and Dana, you and I, depending on timelines, we can sit down and actually have a conversation about where how much we need in cover, if we need cover at all, and what that looks like.","start":495.0,"end":512.265,"sentiment":"neutral","sentiment_score":0.017036282999271696},{"text":"I am.","start":516.245,"end":516.645,"sentiment":"neutral","sentiment_score":0.012884570751339197},{"text":"I'm the head of financial advice for Oakview.","start":516.645,"end":518.825,"sentiment":"neutral","sentiment_score":0.02736038970761001},{"text":"Yeah.","start":520.91,"end":521.41,"sentiment":"neutral","sentiment_score":0.12262164056301116},{"text":"So I can do it all for you.","start":522.11,"end":523.56995,"sentiment":"neutral","sentiment_score":0.15563841257244349}],"sentiment":"neutral","sentiment_score":0.03445103736846028,"num_words":74,"start":495.0,"end":523.56995},{"sentences":[{"text":"Yeah.","start":529.87,"end":530.37,"sentiment":"neutral","sentiment_score":0.0023310957476496696},{"text":"Yeah.","start":534.02997,"end":534.35,"sentiment":"neutral","sentiment_score":0.03836642950773239},{"text":"Yeah.","start":534.35,"end":534.795,"sentiment":"neutral","sentiment_score":0.036089297384023666},{"text":"It's just I'm I'm putting that contingency in my own schedule that I'm just gonna trigger it at that date.","start":534.795,"end":539.675,"sentiment":"neutral","sentiment_score":0.05127708613872528},{"text":"But I'll pop you in my calendar for, say, like, the twelfth.","start":539.675,"end":542.65497,"sentiment":"neutral","sentiment_score":0.08208280770728986}],"sentiment":"neutral","sentiment_score":0.05963777822575399,"num_words":35,"start":529.87,"end":542.65497},{"sentences":[{"text":"I'll give you a call because that should be the Monday.","start":542.95496,"end":544.975,"sentiment":"neutral","sentiment_score":0.08704352175647562},{"text":"I'll give you a call, and we'll go from there.","start":545.435,"end":548.1,"sentiment":"neutral","sentiment_score":0.2626585759222507},{"text":"Yeah.","start":548.1,"end":548.6,"sentiment":"neutral","sentiment_score":0.15794561803340912},{"text":"Too easy.","start":551.94,"end":552.66,"sentiment":"positive","sentiment_score":0.37231115996837616},{"text":"I look forward to speaking to you then.","start":552.66,"end":554.6,"sentiment":"positive","sentiment_score":0.37182746815960854}],"sentiment":"neutral","sentiment_score":0.23316413068096153,"num_words":32,"start":542.95496,"end":554.6},{"sentences":[{"text":"Yeah.","start":557.22,"end":557.62,"sentiment":"neutral","sentiment_score":0.004002729430794716},{"text":"Sebby's still here.","start":557.62,"end":558.42,"sentiment":"neutral","sentiment_score":-0.0022210202490290007},{"text":"He's he's, like, one of the directors along with Bart.","start":558.42,"end":560.89996,"sentiment":"neutral","sentiment_score":0.002763930708169937},{"text":"He he floats.","start":560.89996,"end":562.215,"sentiment":"neutral","sentiment_score":-0.015224917481342951},{"text":"He does his thing.","start":562.835,"end":563.975,"sentiment":"neutral","sentiment_score":-0.06056953966617584}],"sentiment":"neutral","sentiment_score":-0.012522568349682149,"num_words":21,"start":557.22,"end":563.975},{"sentences":[{"text":"Oh, your your your your full financial plan?","start":566.835,"end":569.735,"sentiment":"neutral","sentiment_score":-0.069056854583323},{"text":"Yeah.","start":581.65,"end":581.97003,"sentiment":"neutral","sentiment_score":0.13591806590557098},{"text":"No.","start":581.97003,"end":582.47003,"sentiment":"neutral","sentiment_score":-0.09055620431900024},{"text":"He's around.","start":582.53,"end":583.27,"sentiment":"neutral","sentiment_score":-0.019686528481543064},{"text":"Will do.","start":588.6829,"end":589.2429,"sentiment":"positive","sentiment_score":0.4626055955886841}],"sentiment":"neutral","sentiment_score":0.02705322565244777,"num_words":14,"start":566.835,"end":589.2429},{"sentences":[{"text":"Speak soon.","start":589.2429,"end":589.9829,"sentiment":"neutral","sentiment_score":0.257063090801239},{"text":"Bye.","start":591.88293,"end":592.38293,"sentiment":"neutral","sentiment_score":0.12441527098417282}],"sentiment":"neutral","sentiment_score":0.21284715086221695,"num_words":3,"start":589.2429,"end":592.38293}]}}]},{"alternatives":[{"transcript":"Hello, Richard. I'm good. Thank you. That's alright. I I just need I just need to do something which needs to be done before Dana gets back. That's all. I've got a I've I've notification that the premium was becoming due early October for life insurance, TPI, and income protection. I just wanted to put it on stop if I could and find out when I'm actually covered till. I know when the when the policy will expire. I'm not covering more. I think I'll I'll give you a bit of background. I'm going through a financial settlement at the moment after a marriage breakup, and our final day is on the October 7, which is just before this becomes due anyway. And if it goes the way that I think it's going to go, I'm not gonna need that kind of cover. So I'll set something else up after that. I just don't want this this brewing to come out because it's it's just got absolutely ridiculous how much it cost me. Yeah. Correct. I think we did do one adjustment to it a few years ago anyway. I think we dropped it by 4 or 500,000, the actual cover. But I'm I just yeah. But I just that that that pruning has come through this year. It's just so much to do with it. So I just wanted to would not stop until I could know exactly what's going on after this settlement on the October 7, and then I can set something else up then. I need well, I need to stop that from happening, but right now, if I can. Alright. Yeah. Okay. Well, we we should have it sorted that time anyway. At least someone had a conversation and then made a decision whether whether we yes. We suffer the hit and we get going or we, like, set up something else. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. I just don't wanna do it. I no longer do it all on in. Yeah. Okay. Yeah. You don't know what the admin fee is by chance? Alright. I just gotta get back to you before the twenty ninth, and that's alright. I'm I'm pretty sure we're off by then. Yeah. Yeah. Yeah. No. That's fine. You know, one other question. That is that policy exploring on the fourth day. What happens if something happens on the fifteenth? Am I covered or I'm not? Yep. Yep. Yep. Yeah. Yeah. No. I'm sure. So is there any any loop oh, I can jump through that well for sure. Alright. Alright. I'll I'll definitely get back to you. I'll be able to get back to someone before the fourteenth anyway. So we'll go from there. Because I'm gonna need I'm gonna need I'm gonna need a financial adviser anyway after that point. So I'm gonna make I I yeah. Because there'll be money flattening everywhere, wouldn't it? What was that? Yeah. Well, we never really put anything in place before because it's always been it's been a gray area for years. And I always said once I got it sorted, yeah, I'd come back and then put a proper financial plan in place because there isn't one as such. So that'll happen around the same time anyway. Yep. I've got definitely got the change I'll definitely be changing because I won't need that cover. Alright. So, I mean, I guess, it will be canceled. Another one I've started. Yeah. Probably need something because I said this premium of $39,000 is just ridiculous. Yeah. I've never heard anything anything quite so rude because I thought last year was ridiculous. Right? She's she's gone next level this year. Hey. I'm a I'm a fuel tanker driver. That's what makes it so expensive. Not. I'm not a 100 sure what's gonna happen. I should I should finish up with somewhere around 1.3 mil in equity by the cash or property. We're just not sure what's gonna happen with the property yet. That's all. There'll be nothing. Let me know Yeah. Something. When does that whether that offer it? It'll either be cash or it'll be equity. You know what I mean? If if there's a $550 mortgage in there, then there'll be there'll be 1.8 in assets, so to speak, assets and cash, if that makes sense. No. That's I'm just not gonna take that cover anymore because when I'm gone, I'm gone. But there'll be enough there'll be enough stuff and everything. It's turned whether you get replaced. You know what I mean? Yep. Yep. So yeah. Now it's let me ask for it. Are you a phone agent at the bottom? Okay. Cool. Alright. Let's try. Alright. Hey. Good as you go. Alright. Hey, mate. I'll I'll try and get you before the fourteenth anyway. We'll yeah. But I know that I've got at least until twenty eighth before we hit the penny button. Alright. That'd be great. That'd be awesome if you do that. Yeah. Alright. Thanks, Chris. Appreciate it. Tell me, is is is Chevy still about? He said he said all this up originally. Sorry. What the hell was that? Oh, he said all this up originally. It's been many, many years ago. He spoke to someone at work, and he spoke to a couple of us, couple of drivers, and he said it all up. I just wanted because I haven't spoken to him for years. Anyway, it's all good. Alright. Yep. Okay. Thanks, Clarissa. Appreciate your help. I'll talk to you again. See you. Bye. 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Richard. I'm good. Thank you. That's alright. I I just need I just need to do something which needs to be done before Dana gets back.\n\nThat's all. I've got a I've I've notification that the premium was becoming due early October for life insurance, TPI, and income protection. I just wanted to put it on stop if I could and find out when I'm actually covered till. I know when the when the policy will expire. I'm not covering more.\n\nI think I'll I'll give you a bit of background. I'm going through a financial settlement at the moment after a marriage breakup, and our final day is on the October 7, which is just before this becomes due anyway. And if it goes the way that I think it's going to go, I'm not gonna need that kind of cover. So I'll set something else up after that. I just don't want this this brewing to come out because it's it's just got absolutely ridiculous how much it cost me.\n\nYeah. Correct. I think we did do one adjustment to it a few years ago anyway. I think we dropped it by 4 or 500,000, the actual cover. But I'm I just yeah.\n\nBut I just that that that pruning has come through this year. It's just so much to do with it. So I just wanted to would not stop until I could know exactly what's going on after this settlement on the October 7, and then I can set something else up then. I need well, I need to stop that from happening, but right now, if I can. Alright.\n\nYeah. Okay. Well, we we should have it sorted that time anyway. At least someone had a conversation and then made a decision whether whether we yes. We suffer the hit and we get going or we, like, set up something else.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. I just don't wanna do it. I no longer do it all on in. Yeah.\n\nOkay. Yeah. You don't know what the admin fee is by chance? Alright. I just gotta get back to you before the twenty ninth, and that's alright.\n\nI'm I'm pretty sure we're off by then. Yeah. Yeah. Yeah. No.\n\nThat's fine. You know, one other question. That is that policy exploring on the fourth day. What happens if something happens on the fifteenth? Am I covered or I'm not?\n\nYep. Yep. Yep. Yeah. Yeah.\n\nNo. I'm sure. So is there any any loop oh, I can jump through that well for sure. Alright. Alright.\n\nI'll I'll definitely get back to you. I'll be able to get back to someone before the fourteenth anyway. So we'll go from there. Because I'm gonna need I'm gonna need I'm gonna need a financial adviser anyway after that point. So I'm gonna make I I yeah.\n\nBecause there'll be money flattening everywhere, wouldn't it? What was that? Yeah. Well, we never really put anything in place before because it's always been it's been a gray area for years. And I always said once I got it sorted, yeah, I'd come back and then put a proper financial plan in place because there isn't one as such.\n\nSo that'll happen around the same time anyway. Yep. I've got definitely got the change I'll definitely be changing because I won't need that cover. Alright. So, I mean, I guess, it will be canceled.\n\nAnother one I've started. Yeah. Probably need something because I said this premium of $39,000 is just ridiculous. Yeah. I've never heard anything anything quite so rude because I thought last year was ridiculous.\n\nRight? She's she's gone next level this year. Hey. I'm a I'm a fuel tanker driver. That's what makes it so expensive.\n\nNot. I'm not a 100 sure what's gonna happen. I should I should finish up with somewhere around 1.3 mil in equity by the cash or property. We're just not sure what's gonna happen with the property yet. That's all.\n\nThere'll be nothing. Let me know Yeah. Something. When does that whether that offer it? It'll either be cash or it'll be equity.\n\nYou know what I mean? If if there's a $550 mortgage in there, then there'll be there'll be 1.8 in assets, so to speak, assets and cash, if that makes sense. No. That's I'm just not gonna take that cover anymore because when I'm gone, I'm gone. But there'll be enough there'll be enough stuff and everything.\n\nIt's turned whether you get replaced. You know what I mean? Yep. Yep. So yeah.\n\nNow it's let me ask for it. Are you a phone agent at the bottom? Okay. Cool. Alright.\n\nLet's try. Alright. Hey. Good as you go. Alright.\n\nHey, mate. I'll I'll try and get you before the fourteenth anyway. We'll yeah. But I know that I've got at least until twenty eighth before we hit the penny button. Alright.\n\nThat'd be great. That'd be awesome if you do that. Yeah. Alright. Thanks, Chris.\n\nAppreciate it. Tell me, is is is Chevy still about? He said he said all this up originally. Sorry. What the hell was that?\n\nOh, he said all this up originally. It's been many, many years ago. He spoke to someone at work, and he spoke to a couple of us, couple of drivers, and he said it all up. I just wanted because I haven't spoken to him for years. Anyway, it's all good.\n\nAlright. Yep. Okay. Thanks, Clarissa. Appreciate your help.\n\nI'll talk to you again. See you. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Richard.","start":5.12,"end":5.92,"sentiment":"positive","sentiment_score":0.38247357308864594},{"text":"I'm good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.6639107465744019},{"text":"Thank you.","start":6.16,"end":6.8999996,"sentiment":"positive","sentiment_score":0.780381590127945},{"text":"That's alright.","start":12.975,"end":13.615,"sentiment":"neutral","sentiment_score":0.010568509344011545},{"text":"I I just need I just need to do something which needs to be done before Dana gets back.","start":13.615,"end":18.895,"sentiment":"neutral","sentiment_score":-0.0785339425661062}],"sentiment":"neutral","sentiment_score":0.08083421961162929,"num_words":27,"start":5.12,"end":18.895},{"sentences":[{"text":"That's all.","start":18.895,"end":19.295,"sentiment":"neutral","sentiment_score":0.006800874602049591},{"text":"I've got a I've I've notification that the premium was becoming due early October for life insurance, TPI, and income protection.","start":19.295,"end":28.48,"sentiment":"neutral","sentiment_score":0.031642931557836984},{"text":"I just wanted to put it on stop if I could and find out when I'm actually covered till.","start":28.86,"end":33.92,"sentiment":"neutral","sentiment_score":-0.03455883975287801},{"text":"I know when the when the policy will expire.","start":38.395,"end":40.475,"sentiment":"neutral","sentiment_score":-0.07087014408575164},{"text":"I'm not covering more.","start":40.475,"end":41.274998,"sentiment":"neutral","sentiment_score":-0.3179083615541458}],"sentiment":"neutral","sentiment_score":-0.03432689793407917,"num_words":55,"start":18.895,"end":41.274998},{"sentences":[{"text":"I think I'll I'll give you a bit of background.","start":41.274998,"end":42.875,"sentiment":"neutral","sentiment_score":-0.0969268899410963},{"text":"I'm going through a financial settlement at the moment after a marriage breakup, and our final day is on the October 7, which is just before this becomes due anyway.","start":42.875,"end":51.614998,"sentiment":"neutral","sentiment_score":-0.06778666923443476},{"text":"And if it goes the way that I think it's going to go, I'm not gonna need that kind of cover.","start":52.100002,"end":56.18,"sentiment":"neutral","sentiment_score":-0.14117010026460602},{"text":"So I'll set something else up after that.","start":56.18,"end":58.18,"sentiment":"neutral","sentiment_score":-0.0656195729970932},{"text":"I just don't want this this brewing to come out because it's it's just got absolutely ridiculous how much it cost me.","start":58.18,"end":64.520004,"sentiment":"negative","sentiment_score":-0.45378307591785083}],"sentiment":"neutral","sentiment_score":-0.18105082787000215,"num_words":91,"start":41.274998,"end":64.520004},{"sentences":[{"text":"Yeah.","start":73.884995,"end":74.384995,"sentiment":"neutral","sentiment_score":-0.05477408319711685},{"text":"Correct.","start":77.325,"end":77.725,"sentiment":"neutral","sentiment_score":0.10638099908828735},{"text":"I think we did do one adjustment to it a few years ago anyway.","start":77.725,"end":80.685,"sentiment":"neutral","sentiment_score":-0.0030871217272111346},{"text":"I think we dropped it by 4 or 500,000, the actual cover.","start":80.685,"end":84.69,"sentiment":"neutral","sentiment_score":-0.05819348059594631},{"text":"But I'm I just yeah.","start":84.99,"end":86.11,"sentiment":"neutral","sentiment_score":-0.09505266174674035}],"sentiment":"neutral","sentiment_score":-0.03530902618711645,"num_words":33,"start":73.884995,"end":86.11},{"sentences":[{"text":"But I just that that that pruning has come through this year.","start":86.11,"end":88.91,"sentiment":"neutral","sentiment_score":-0.1455007375528415},{"text":"It's just so much to do with it.","start":88.91,"end":90.61,"sentiment":"neutral","sentiment_score":-0.14764756988734007},{"text":"So I just wanted to would not stop until I could know exactly what's going on after this settlement on the October 7, and then I can set something else up then.","start":90.67,"end":99.365,"sentiment":"neutral","sentiment_score":-0.0265123697463423},{"text":"I need well, I need to stop that from happening, but right now, if I can.","start":110.05,"end":113.67,"sentiment":"neutral","sentiment_score":-0.11556184105575085},{"text":"Alright.","start":115.49,"end":115.99,"sentiment":"neutral","sentiment_score":0.09356113523244858}],"sentiment":"neutral","sentiment_score":-0.08015961685906285,"num_words":69,"start":86.11,"end":115.99},{"sentences":[{"text":"Yeah.","start":121.97,"end":122.47,"sentiment":"neutral","sentiment_score":-0.02694195881485939},{"text":"Okay.","start":131.83499,"end":132.155,"sentiment":"neutral","sentiment_score":0.05456434190273285},{"text":"Well, we we should have it sorted that time anyway.","start":132.155,"end":134.815,"sentiment":"neutral","sentiment_score":0.06498512364923954},{"text":"At least someone had a conversation and then made a decision whether whether we yes.","start":134.875,"end":139.215,"sentiment":"neutral","sentiment_score":-0.02218669851620992},{"text":"We suffer the hit and we get going or we, like, set up something else.","start":139.275,"end":143.89,"sentiment":"negative","sentiment_score":-0.3927807887395223}],"sentiment":"neutral","sentiment_score":-0.13207234974418366,"num_words":42,"start":121.97,"end":143.89},{"sentences":[{"text":"Yep.","start":148.35,"end":148.85,"sentiment":"neutral","sentiment_score":-0.019279956817626953},{"text":"Yep.","start":150.03,"end":150.53,"sentiment":"neutral","sentiment_score":-0.04790380597114563},{"text":"Yep.","start":155.895,"end":156.395,"sentiment":"neutral","sentiment_score":-0.10203273594379424},{"text":"Yep.","start":158.615,"end":159.115,"sentiment":"negative","sentiment_score":-0.4185612201690674},{"text":"Yep.","start":161.575,"end":162.075,"sentiment":"neutral","sentiment_score":-0.2019694298505783}],"sentiment":"neutral","sentiment_score":-0.15794942975044252,"num_words":5,"start":148.35,"end":162.075},{"sentences":[{"text":"Yep.","start":169.095,"end":169.595,"sentiment":"neutral","sentiment_score":-0.21210406720638275},{"text":"Yep.","start":172.31,"end":172.81,"sentiment":"neutral","sentiment_score":-0.32081639766693115},{"text":"Yep.","start":175.83,"end":176.33,"sentiment":"neutral","sentiment_score":-0.1351911723613739},{"text":"Yep.","start":180.3,"end":180.55,"sentiment":"neutral","sentiment_score":-0.1128263771533966},{"text":"Yep.","start":180.55,"end":181.05,"sentiment":"neutral","sentiment_score":-0.10203906148672104}],"sentiment":"neutral","sentiment_score":-0.17659541517496108,"num_words":5,"start":169.095,"end":181.05},{"sentences":[{"text":"Yep.","start":185.83,"end":186.33,"sentiment":"neutral","sentiment_score":-0.0925181210041046},{"text":"Okay.","start":191.08499,"end":191.405,"sentiment":"neutral","sentiment_score":-0.2422681599855423},{"text":"I just don't wanna do it.","start":191.405,"end":192.765,"sentiment":"negative","sentiment_score":-0.4979665478070577},{"text":"I no longer do it all on in.","start":192.765,"end":194.465,"sentiment":"negative","sentiment_score":-0.4676763787865639},{"text":"Yeah.","start":194.525,"end":194.765,"sentiment":"neutral","sentiment_score":-0.141922727227211}],"sentiment":"negative","sentiment_score":-0.4238776073736303,"num_words":17,"start":185.83,"end":194.765},{"sentences":[{"text":"Okay.","start":194.765,"end":195.265,"sentiment":"neutral","sentiment_score":-0.14212888479232788},{"text":"Yeah.","start":198.7,"end":199.2,"sentiment":"neutral","sentiment_score":-0.12212332338094713},{"text":"You don't know what the admin fee is by chance?","start":219.075,"end":221.33499,"sentiment":"neutral","sentiment_score":-0.05818776935338974},{"text":"Alright.","start":233.0,"end":233.48,"sentiment":"neutral","sentiment_score":0.11748050153255464},{"text":"I just gotta get back to you before the twenty ninth, and that's alright.","start":233.48,"end":236.04001,"sentiment":"neutral","sentiment_score":0.1463269479572773}],"sentiment":"neutral","sentiment_score":0.04888621745286165,"num_words":27,"start":194.765,"end":236.04001},{"sentences":[{"text":"I'm I'm pretty sure we're off by then.","start":236.04001,"end":238.06,"sentiment":"neutral","sentiment_score":0.1142343245446682},{"text":"Yeah.","start":243.395,"end":243.895,"sentiment":"neutral","sentiment_score":-0.10643547773361206},{"text":"Yeah.","start":247.475,"end":247.63501,"sentiment":"neutral","sentiment_score":-0.021676717326045036},{"text":"Yeah.","start":247.63501,"end":247.955,"sentiment":"neutral","sentiment_score":-0.026614923030138016},{"text":"No.","start":247.955,"end":248.27501,"sentiment":"neutral","sentiment_score":-0.06801429390907288}],"sentiment":"neutral","sentiment_score":0.05759443202987313,"num_words":12,"start":236.04001,"end":248.27501},{"sentences":[{"text":"That's fine.","start":248.27501,"end":248.91501,"sentiment":"neutral","sentiment_score":0.002604288514703512},{"text":"You know, one other question.","start":248.91501,"end":250.455,"sentiment":"neutral","sentiment_score":-0.025962361320853233},{"text":"That is that policy exploring on the fourth day.","start":250.91501,"end":253.075,"sentiment":"neutral","sentiment_score":-0.02968105673789978},{"text":"What happens if something happens on the fifteenth?","start":253.075,"end":254.99501,"sentiment":"neutral","sentiment_score":-0.04495618771761656},{"text":"Am I covered or I'm not?","start":254.99501,"end":256.375,"sentiment":"neutral","sentiment_score":-0.07599081533650558}],"sentiment":"neutral","sentiment_score":-0.04024423779919743,"num_words":30,"start":248.27501,"end":256.375},{"sentences":[{"text":"Yep.","start":262.34998,"end":262.84998,"sentiment":"neutral","sentiment_score":0.0016796465497463942},{"text":"Yep.","start":266.03,"end":266.53,"sentiment":"neutral","sentiment_score":0.012660741806030272},{"text":"Yep.","start":270.43,"end":270.93,"sentiment":"neutral","sentiment_score":-0.04136532545089722},{"text":"Yeah.","start":281.925,"end":282.165,"sentiment":"neutral","sentiment_score":-0.07831761240959167},{"text":"Yeah.","start":282.165,"end":282.325,"sentiment":"neutral","sentiment_score":-0.05873725190758705}],"sentiment":"neutral","sentiment_score":-0.03281596028245985,"num_words":5,"start":262.34998,"end":282.325},{"sentences":[{"text":"No.","start":282.325,"end":282.485,"sentiment":"neutral","sentiment_score":-0.11868732422590256},{"text":"I'm sure.","start":282.485,"end":282.965,"sentiment":"neutral","sentiment_score":-0.08152276650071144},{"text":"So is there any any loop oh, I can jump through that well for sure.","start":282.965,"end":286.185,"sentiment":"neutral","sentiment_score":-0.09390059461196264},{"text":"Alright.","start":286.54,"end":287.02002,"sentiment":"neutral","sentiment_score":0.02682304009795189},{"text":"Alright.","start":287.02002,"end":287.52002,"sentiment":"neutral","sentiment_score":0.03250247985124588}],"sentiment":"neutral","sentiment_score":-0.08154581282287836,"num_words":20,"start":282.325,"end":287.52002},{"sentences":[{"text":"I'll I'll definitely get back to you.","start":287.82,"end":290.06,"sentiment":"neutral","sentiment_score":0.07361676490732602},{"text":"I'll be able to get back to someone before the fourteenth anyway.","start":290.06,"end":293.44,"sentiment":"neutral","sentiment_score":0.06384276940176885},{"text":"So we'll go from there.","start":293.74,"end":295.04,"sentiment":"neutral","sentiment_score":0.04023783728480339},{"text":"Because I'm gonna need I'm gonna need I'm gonna need a financial adviser anyway after that point.","start":295.5,"end":300.285,"sentiment":"neutral","sentiment_score":0.09345368317821447},{"text":"So I'm gonna make I I yeah.","start":300.285,"end":301.96503,"sentiment":"neutral","sentiment_score":0.048034431146723885}],"sentiment":"neutral","sentiment_score":0.0709911126177758,"num_words":48,"start":287.82,"end":301.96503},{"sentences":[{"text":"Because there'll be money flattening everywhere, wouldn't it?","start":301.96503,"end":304.945,"sentiment":"neutral","sentiment_score":-0.006647263027844019},{"text":"What was that?","start":308.765,"end":309.665,"sentiment":"neutral","sentiment_score":0.008349945147832235},{"text":"Yeah.","start":313.33002,"end":313.65002,"sentiment":"neutral","sentiment_score":0.03970614820718765},{"text":"Well, we never really put anything in place before because it's always been it's been a gray area for years.","start":313.65002,"end":318.79,"sentiment":"neutral","sentiment_score":-0.09813526328653097},{"text":"And I always said once I got it sorted, yeah, I'd come back and then put a proper financial plan in place because there isn't one as such.","start":319.17,"end":326.595,"sentiment":"neutral","sentiment_score":-0.05737327331943171}],"sentiment":"neutral","sentiment_score":-0.05929298398744625,"num_words":60,"start":301.96503,"end":326.595},{"sentences":[{"text":"So that'll happen around the same time anyway.","start":326.595,"end":328.85498,"sentiment":"neutral","sentiment_score":0.0022846965584903955},{"text":"Yep.","start":331.315,"end":331.815,"sentiment":"neutral","sentiment_score":0.02470252476632595},{"text":"I've got definitely got the change I'll definitely be changing because I won't need that cover.","start":347.91,"end":352.17,"sentiment":"neutral","sentiment_score":-0.014947663832572289},{"text":"Alright.","start":355.045,"end":355.125,"sentiment":"neutral","sentiment_score":0.004437878727912903},{"text":"So, I mean, I guess, it will be canceled.","start":355.125,"end":356.905,"sentiment":"neutral","sentiment_score":-0.012534952722489834}],"sentiment":"neutral","sentiment_score":-0.008701691996040088,"num_words":35,"start":326.595,"end":356.905},{"sentences":[{"text":"Another one I've started.","start":356.965,"end":358.025,"sentiment":"neutral","sentiment_score":-0.00836222036741674},{"text":"Yeah.","start":369.78,"end":370.18,"sentiment":"neutral","sentiment_score":-0.05801158770918846},{"text":"Probably need something because I said this premium of $39,000 is just ridiculous.","start":370.18,"end":375.24,"sentiment":"negative","sentiment_score":-0.3968406319618225},{"text":"Yeah.","start":382.1,"end":382.6,"sentiment":"neutral","sentiment_score":-0.1217586025595665},{"text":"I've never heard anything anything quite so rude because I thought last year was ridiculous.","start":383.10498,"end":388.565,"sentiment":"negative","sentiment_score":-0.43548962076505027}],"sentiment":"negative","sentiment_score":-0.35013210584464316,"num_words":34,"start":356.965,"end":388.565},{"sentences":[{"text":"Right?","start":388.705,"end":389.10498,"sentiment":"neutral","sentiment_score":-0.17300182580947876},{"text":"She's she's gone next level this year.","start":389.10498,"end":391.04498,"sentiment":"neutral","sentiment_score":-0.1841659758772169},{"text":"Hey.","start":397.72,"end":398.22,"sentiment":"neutral","sentiment_score":-0.042448531836271286},{"text":"I'm a I'm a fuel tanker driver.","start":400.16,"end":404.28,"sentiment":"neutral","sentiment_score":-0.07745159364172391},{"text":"That's what makes it so expensive.","start":404.28,"end":405.74002,"sentiment":"neutral","sentiment_score":-0.25286173572142917}],"sentiment":"neutral","sentiment_score":-0.16199744357304138,"num_words":22,"start":388.705,"end":405.74002},{"sentences":[{"text":"Not.","start":412.365,"end":412.865,"sentiment":"neutral","sentiment_score":-0.14396455883979797},{"text":"I'm not a 100 sure what's gonna happen.","start":426.9,"end":428.9,"sentiment":"neutral","sentiment_score":-0.11486271116882563},{"text":"I should I should finish up with somewhere around 1.3 mil in equity by the cash or property.","start":428.9,"end":437.495,"sentiment":"neutral","sentiment_score":-0.0681556078294913},{"text":"We're just not sure what's gonna happen with the property yet.","start":437.495,"end":439.575,"sentiment":"neutral","sentiment_score":-0.16308742761611938},{"text":"That's all.","start":439.575,"end":440.315,"sentiment":"neutral","sentiment_score":-0.06409233622252941}],"sentiment":"neutral","sentiment_score":-0.10529533913359046,"num_words":40,"start":412.365,"end":440.315},{"sentences":[{"text":"There'll be nothing.","start":444.215,"end":445.015,"sentiment":"neutral","sentiment_score":-0.08046236634254456},{"text":"Let me know Yeah.","start":445.015,"end":451.74002,"sentiment":"neutral","sentiment_score":-0.013608842622488737},{"text":"Something.","start":451.74002,"end":452.24002,"sentiment":"neutral","sentiment_score":0.009923376142978668},{"text":"When does that whether that offer it?","start":452.30002,"end":454.14,"sentiment":"neutral","sentiment_score":0.009733289879347597},{"text":"It'll either be cash or it'll be equity.","start":454.14,"end":455.9,"sentiment":"neutral","sentiment_score":-0.0023855825420469046}],"sentiment":"neutral","sentiment_score":-0.010297857589371826,"num_words":23,"start":444.215,"end":455.9},{"sentences":[{"text":"You know what I mean?","start":455.9,"end":456.62,"sentiment":"neutral","sentiment_score":-0.017162571474909783},{"text":"If if there's a $550 mortgage in there, then there'll be there'll be 1.8 in assets, so to speak, assets and cash, if that makes sense.","start":456.62,"end":463.92,"sentiment":"neutral","sentiment_score":0.003395364310843154},{"text":"No.","start":474.53497,"end":474.85498,"sentiment":"neutral","sentiment_score":-0.19922587275505063},{"text":"That's I'm just not gonna take that cover anymore because when I'm gone, I'm gone.","start":474.85498,"end":478.395,"sentiment":"neutral","sentiment_score":-0.2583885222673416},{"text":"But there'll be enough there'll be enough stuff and everything.","start":479.44,"end":481.84,"sentiment":"neutral","sentiment_score":-0.12467444837093353}],"sentiment":"neutral","sentiment_score":-0.09332160659240592,"num_words":57,"start":455.9,"end":481.84},{"sentences":[{"text":"It's turned whether you get replaced.","start":481.84,"end":483.2,"sentiment":"neutral","sentiment_score":-0.12419203544656436},{"text":"You know what I mean?","start":483.2,"end":484.35,"sentiment":"neutral","sentiment_score":-0.07345543056726456},{"text":"Yep.","start":491.515,"end":492.015,"sentiment":"neutral","sentiment_score":0.02983923628926277},{"text":"Yep.","start":504.155,"end":504.655,"sentiment":"neutral","sentiment_score":0.03399994224309921},{"text":"So yeah.","start":511.78,"end":512.74,"sentiment":"neutral","sentiment_score":0.027311846613883972}],"sentiment":"neutral","sentiment_score":-0.0662644329170386,"num_words":15,"start":481.84,"end":512.74},{"sentences":[{"text":"Now it's let me ask for it.","start":512.74,"end":514.1,"sentiment":"neutral","sentiment_score":0.021495718775050982},{"text":"Are you a phone agent at the bottom?","start":514.1,"end":515.8,"sentiment":"neutral","sentiment_score":0.006505648896563798},{"text":"Okay.","start":519.54,"end":519.77997,"sentiment":"neutral","sentiment_score":0.11434055119752884},{"text":"Cool.","start":519.77997,"end":520.1,"sentiment":"neutral","sentiment_score":0.21094265580177307},{"text":"Alright.","start":520.1,"end":520.33997,"sentiment":"neutral","sentiment_score":0.17253008484840393}],"sentiment":"neutral","sentiment_score":0.03890713969142073,"num_words":18,"start":512.74,"end":520.33997},{"sentences":[{"text":"Let's try.","start":520.33997,"end":521.16,"sentiment":"neutral","sentiment_score":0.15568726509809494},{"text":"Alright.","start":522.605,"end":523.105,"sentiment":"neutral","sentiment_score":0.2046138048171997},{"text":"Hey.","start":524.125,"end":524.285,"sentiment":"neutral","sentiment_score":0.31889021396636963},{"text":"Good as you go.","start":524.285,"end":524.925,"sentiment":"positive","sentiment_score":0.49946874380111694},{"text":"Alright.","start":524.925,"end":525.325,"sentiment":"neutral","sentiment_score":0.19811545312404633}],"sentiment":"positive","sentiment_score":0.33676321970091927,"num_words":9,"start":520.33997,"end":525.325},{"sentences":[{"text":"Hey, mate.","start":525.325,"end":525.565,"sentiment":"neutral","sentiment_score":0.10687991604208946},{"text":"I'll I'll try and get you before the fourteenth anyway.","start":525.565,"end":528.52496,"sentiment":"neutral","sentiment_score":0.06554009318351746},{"text":"We'll yeah.","start":528.52496,"end":529.325,"sentiment":"neutral","sentiment_score":0.028527679853141308},{"text":"But I know that I've got at least until twenty eighth before we hit the penny button.","start":529.325,"end":533.425,"sentiment":"neutral","sentiment_score":-0.005625535405295736},{"text":"Alright.","start":545.67,"end":545.82996,"sentiment":"neutral","sentiment_score":0.11708550155162813}],"sentiment":"neutral","sentiment_score":0.029614610102726147,"num_words":32,"start":525.325,"end":545.82996},{"sentences":[{"text":"That'd be great.","start":545.82996,"end":546.39,"sentiment":"positive","sentiment_score":0.4411984284718831},{"text":"That'd be awesome if you do that.","start":546.39,"end":548.09,"sentiment":"positive","sentiment_score":0.3971621117421559},{"text":"Yeah.","start":548.71,"end":549.21,"sentiment":"neutral","sentiment_score":0.1912120282649994},{"text":"Alright.","start":550.575,"end":551.075,"sentiment":"neutral","sentiment_score":0.2866475582122803},{"text":"Thanks, Chris.","start":552.255,"end":553.215,"sentiment":"positive","sentiment_score":0.5840375423431396}],"sentiment":"positive","sentiment_score":0.41069033848387854,"num_words":14,"start":545.82996,"end":553.215},{"sentences":[{"text":"Appreciate it.","start":553.215,"end":553.855,"sentiment":"positive","sentiment_score":0.5382252931594849},{"text":"Tell me, is is is Chevy still about?","start":553.855,"end":556.835,"sentiment":"neutral","sentiment_score":-0.005558265489526093},{"text":"He said he said all this up originally.","start":561.87,"end":563.81,"sentiment":"neutral","sentiment_score":-0.05949469655752182},{"text":"Sorry.","start":566.43,"end":566.75,"sentiment":"neutral","sentiment_score":-0.07106825709342957},{"text":"What the hell was that?","start":566.75,"end":567.89,"sentiment":"neutral","sentiment_score":-0.08239906281232834}],"sentiment":"neutral","sentiment_score":0.003040138282813132,"num_words":24,"start":553.215,"end":567.89},{"sentences":[{"text":"Oh, he said all this up originally.","start":570.51,"end":571.95,"sentiment":"neutral","sentiment_score":-0.0906789121883256},{"text":"It's been many, many years ago.","start":571.95,"end":573.23004,"sentiment":"neutral","sentiment_score":-0.0782815193136533},{"text":"He spoke to someone at work, and he spoke to a couple of us, couple of drivers, and he said it all up.","start":573.23004,"end":577.745,"sentiment":"neutral","sentiment_score":-0.049868701349781906},{"text":"I just wanted because I haven't spoken to him for years.","start":577.745,"end":579.90497,"sentiment":"neutral","sentiment_score":0.10200246355750343},{"text":"Anyway, it's all good.","start":579.90497,"end":581.20496,"sentiment":"positive","sentiment_score":0.536094106733799}],"sentiment":"neutral","sentiment_score":0.019901605761226487,"num_words":51,"start":570.51,"end":581.20496},{"sentences":[{"text":"Alright.","start":581.505,"end":582.005,"sentiment":"neutral","sentiment_score":0.2216804027557373},{"text":"Yep.","start":583.90497,"end":584.4029,"sentiment":"neutral","sentiment_score":0.113124780356884},{"text":"Okay.","start":584.7229,"end":585.2229,"sentiment":"neutral","sentiment_score":0.2281138151884079},{"text":"Thanks, Clarissa.","start":585.2829,"end":586.0829,"sentiment":"positive","sentiment_score":0.6608270406723022},{"text":"Appreciate your help.","start":586.0829,"end":587.0429,"sentiment":"positive","sentiment_score":0.7223352193832397}],"sentiment":"positive","sentiment_score":0.5064473422244191,"num_words":8,"start":581.505,"end":587.0429},{"sentences":[{"text":"I'll talk to you again.","start":587.0429,"end":588.0229,"sentiment":"positive","sentiment_score":0.5125976502895355},{"text":"See you.","start":590.56287,"end":590.8829,"sentiment":"positive","sentiment_score":0.37980931997299194},{"text":"Bye.","start":590.8829,"end":591.3829,"sentiment":"neutral","sentiment_score":0.1827300190925598},{"text":"Bye.","start":592.9629,"end":593.4629,"sentiment":"neutral","sentiment_score":-0.12450974434614182}],"sentiment":"positive","sentiment_score":0.3756474629044533,"num_words":9,"start":587.0429,"end":593.4629}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Richard. Larissa here. How are you going?\n\nChannel 1: Hello, Richard. I'm good. Thank you.\n\nChannel 0: That's good to hear. Alright. I'm on the back foot, but that's okay. I'm playing\n\nChannel 1: That's\n\nChannel 0: catch\n\nChannel 1: alright.\n\nChannel 0: up.\n\nChannel 1: I I just need I just need to do something which needs to be done before Dana gets back. That's all. I've got a\n\nChannel 0: Absolutely.\n\nChannel 1: I've I've notification that the premium was becoming due early October for life insurance, TPI, and income protection. I just wanted to put it on stop if I could and find out when I'm actually covered till.\n\nChannel 0: Like, cover till age wise? Or\n\nChannel 1: I know when the when the policy will expire. I'm not covering more. I think I'll I'll give you a bit of background. I'm going through a financial settlement at the moment after a marriage breakup, and\n\nChannel 0: Yep.\n\nChannel 1: our final day is on the October 7, which is just before this becomes due anyway. And if it\n\nChannel 0: Yes.\n\nChannel 1: goes the way that I think it's going to go, I'm not gonna need that kind of cover. So I'll set something else up after that.\n\nChannel 0: Premium.\n\nChannel 1: I just don't want this this brewing to come out because it's it's just got absolutely ridiculous how much it cost me.\n\nChannel 0: Yes. And I know that you've spoken with Dana before about adjusting it, but you haven't wanted to adjust it because it was kind of needed. But based on the financial settlement,\n\nChannel 1: Yeah.\n\nChannel 0: divorce happening, probably not a a case moving forward. Okay. Cool.\n\nChannel 1: Correct.\n\nChannel 0: So\n\nChannel 1: I think we did do one adjustment to it a few years ago anyway. I think we dropped it by 4 or 500,000, the actual cover. But\n\nChannel 0: Mhmm.\n\nChannel 1: I'm I just yeah. But I just that that that pruning has come through this year. It's just so\n\nChannel 0: Yeah.\n\nChannel 1: much to do with it. So I just wanted to would not stop until I could know exactly what's going on after this settlement on the October 7, and then I can set something else up then.\n\nChannel 0: Well, happy days. The actual policy renewal date is October 14.\n\nChannel 1: I need well, I need to stop that from happening, but right now, if I can.\n\nChannel 0: Yeah. I can\n\nChannel 1: Alright.\n\nChannel 0: request to, like, not pay the premium this second and delay it.\n\nChannel 1: Yeah.\n\nChannel 0: Realistically and essentially speaking, we have, like, thirty days after the policy renewal to make sure the premium is paid before things get a little bit hairy anyway.\n\nChannel 1: Okay. Well, we we should have it sorted that time anyway. At least someone had\n\nChannel 0: Yep.\n\nChannel 1: a conversation and then made a decision whether whether we yes. We suffer the hit and we get going or we,\n\nChannel 0: Okay.\n\nChannel 1: like, set up something else.\n\nChannel 0: Yeah. So alright. So based on your verbal confirmation, what I am going\n\nChannel 1: Yep.\n\nChannel 0: to do is I am going\n\nChannel 1: Yep.\n\nChannel 0: to pause the premium and request that it does not get paid right now.\n\nChannel 1: Yep.\n\nChannel 0: If I do not hear from you by\n\nChannel 1: Yep.\n\nChannel 0: and I'm going to set a hard date. If I do\n\nChannel 1: Yep.\n\nChannel 0: not hear from you by the October 28, which is two weeks after the premium is due,\n\nChannel 1: Yep.\n\nChannel 0: I am going to get it paid because I will not be\n\nChannel 1: Yep.\n\nChannel 0: meeting my obligation if I don't hear from you by the twenty eighth, and I need\n\nChannel 1: Yep.\n\nChannel 0: to make sure it gets paid. If you make a decision after the twenty eighth of\n\nChannel 1: Yep.\n\nChannel 0: October,\n\nChannel 1: Yep.\n\nChannel 0: that's something that that you wanna alter it, reduce it, cancel it, whatever has\n\nChannel 1: Yep.\n\nChannel 0: been paid for the year, you will get a pro rata refund. So it's not, I guess, the end\n\nChannel 1: Okay.\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: world.\n\nChannel 1: don't wanna do it. I no longer do it all on in. Yeah. Okay.\n\nChannel 0: No. Just because you pay for a year's worth of insurance, if you end\n\nChannel 1: Yeah.\n\nChannel 0: up canceling the policy within the year, you do get a pro rata refund, but it's you'll basically get all of it less an administration charge and whatever you've basically used. So if you use, say, like, three three weeks of it, you won't get the three weeks back, but you'll get all of it except the three weeks plus the and the admin fee.\n\nChannel 1: You don't know what the admin fee is by chance?\n\nChannel 0: Depends on the policy age, depends on everything, but, generally, somewhere between a few 100 to a grand ish. It just depends on how much rigmarole it is.\n\nChannel 1: Alright. I just\n\nChannel 0: And\n\nChannel 1: gotta get back to you before the twenty ninth, and that's alright. I'm I'm\n\nChannel 0: yeah.\n\nChannel 1: pretty sure we're off by then.\n\nChannel 0: Cool. But I'm just I'm just gonna set that hard date just on the off chance that life explodes\n\nChannel 1: Yeah.\n\nChannel 0: for you and you don't get a chance to call me or something happens.\n\nChannel 1: Yeah. Yeah. No. That's fine. You know, one other question.\n\nChannel 0: Okay.\n\nChannel 1: That is that policy exploring on the fourth day. What happens if something happens on the fifteenth? Am I covered or I'm not?\n\nChannel 0: Yeah. It becomes a little bit dicey. Technically,\n\nChannel 1: Yep.\n\nChannel 0: the policy the policy is technically still in place.\n\nChannel 1: Yep.\n\nChannel 0: It's just pending a payment. It hasn't\n\nChannel 1: Yep.\n\nChannel 0: it's not canceled or anything like that. It is still technically in place, but it does become a little bit dicey and not something I really wanna be sitting too far into the realm of. No.\n\nChannel 1: Yeah. Yeah. No. I'm sure. So is there any any loop oh, I can jump through that well for sure.\n\nChannel 0: It just\n\nChannel 1: Alright.\n\nChannel 0: but, yeah,\n\nChannel 1: Alright.\n\nChannel 0: it becomes a little\n\nChannel 1: I'll\n\nChannel 0: bit\n\nChannel 1: I'll\n\nChannel 0: and\n\nChannel 1: definitely\n\nChannel 0: especially\n\nChannel 1: get\n\nChannel 0: since\n\nChannel 1: back to you. I'll be\n\nChannel 0: yeah.\n\nChannel 1: able\n\nChannel 0: It's\n\nChannel 1: to get back to someone before the fourteenth anyway. So we'll\n\nChannel 0: yeah.\n\nChannel 1: go from there.\n\nChannel 0: Cool.\n\nChannel 1: Because\n\nChannel 0: And\n\nChannel 1: I'm gonna\n\nChannel 0: then can\n\nChannel 1: need\n\nChannel 0: I\n\nChannel 1: I'm gonna need I'm gonna need a financial adviser anyway after that point. So I'm gonna make I I yeah. Because there'll be money flattening everywhere, wouldn't it?\n\nChannel 0: We'll we'll need a bit of a a decent meeting by the sounds of things?\n\nChannel 1: What was that?\n\nChannel 0: Well, it sounds like we'll we'll need to sit down and have a decent meeting.\n\nChannel 1: Yeah. Well, we never really put anything in place before because it's always been it's been a gray area for years. And I always said once I got it sorted, yeah, I'd come back and then put a proper financial plan in place because there isn't one as such.\n\nChannel 0: Yeah.\n\nChannel 1: So that'll happen around the same time anyway.\n\nChannel 0: Well, we can do that. So\n\nChannel 1: Yep.\n\nChannel 0: are we are we needing like, are we wanting to when when it comes down to it in, I guess, a a month's time, are you looking at possibly canceling this policy, or\n\nChannel 1: I've got\n\nChannel 0: it just\n\nChannel 1: definitely\n\nChannel 0: it's\n\nChannel 1: got the change I'll definitely be changing because I won't need\n\nChannel 0: yep.\n\nChannel 1: that cover.\n\nChannel 0: We won't need this full amount that we have.\n\nChannel 1: Alright. So, I mean, I guess, it will be canceled. Another one I've started.\n\nChannel 0: Okay. Well, do you want me to start having a look into avenues in that area now? So that way when it comes time for us to loop around, we have a little bit of information.\n\nChannel 1: Yeah. Probably need something because I said this premium of $39,000 is just ridiculous.\n\nChannel 0: Yes. Yes. It is it is very high. It's very up there.\n\nChannel 1: Yeah. I've never heard anything anything quite so rude because I thought last year was ridiculous. Right? She's she's gone next level this year.\n\nChannel 0: Yeah. It popped up. Because currently so can can I ask? I I again, I'm on the back foot. I haven't\n\nChannel 1: Hey.\n\nChannel 0: reviewed your file.\n\nChannel 1: I'm\n\nChannel 0: But occupation wise, what are we doing nowadays?\n\nChannel 1: a I'm a fuel tanker driver. That's what makes it so expensive.\n\nChannel 0: Yeah. Yeah. Cool. Alright. No.\n\nThat's okay. Alright. So fuel tanker driver, are we long distance?\n\nChannel 1: Not.\n\nChannel 0: Nope. Cool. So metro. Amazing. Alright.\n\nAnd then what is happening with the settlement? So, like, can I ask roughly based on what you know so far, where are\n\nChannel 1: I'm not a 100 sure what's\n\nChannel 0: assets\n\nChannel 1: gonna happen. I should I should\n\nChannel 0: moving\n\nChannel 1: finish up with somewhere around\n\nChannel 0: through?\n\nChannel 1: 1.3 mil in equity by the cash or property. We're just not sure what's gonna happen with the property yet. That's all.\n\nChannel 0: Okay. Any of the debts or will the debts be cleared?\n\nChannel 1: There'll be nothing. Let me know\n\nChannel 0: K. Cool. So somewhere between the one to 1.3. Cool. Alright.\n\nSo that's\n\nChannel 1: Yeah. Something.\n\nChannel 0: like\n\nChannel 1: When does that whether that offer it? It'll either be cash or it'll be equity. You know what I mean? If if there's\n\nChannel 0: yeah.\n\nChannel 1: a $550 mortgage in there, then there'll be there'll be 1.8 in assets, so to speak, assets and cash, if that makes sense.\n\nChannel 0: Yeah. No. No. No. Makes sense.\n\nAlright. Cool. Alright. Perfect. So then it's just a matter of probably a a heavy adjustment to the policy and or complete rewrite pending\n\nChannel 1: No. That's I'm\n\nChannel 0: everything.\n\nChannel 1: just not gonna take that cover anymore because when I'm gone, I'm gone.\n\nChannel 0: Yep.\n\nChannel 1: But there'll be enough there'll be enough stuff and everything. It's turned whether you get replaced. You know what I mean?\n\nChannel 0: Yeah. Okay. Alright. Perfect. Well, I'll have a quick look and see whether there's any other alternative providers at the moment\n\nChannel 1: Yep.\n\nChannel 0: with your occupation and what that fits at. And then when you know more of the financials, we can kinda sit down and have that either you and Dana, you and I, depending on timelines,\n\nChannel 1: Yep.\n\nChannel 0: we can sit down and actually have a conversation about where how much we need in cover, if we need cover at all, and what that looks like.\n\nChannel 1: So yeah. Now it's let me ask for it. Are you a phone agent at the bottom?\n\nChannel 0: I am. I'm the head of financial advice for Oakview.\n\nChannel 1: Okay. Cool. Alright. Let's try.\n\nChannel 0: Yeah. So I can do it\n\nChannel 1: Alright.\n\nChannel 0: all for you.\n\nChannel 1: Hey. Good as you go. Alright. Hey, mate. I'll I'll try and get you before the fourteenth anyway.\n\nWe'll yeah. But I know that\n\nChannel 0: Yeah.\n\nChannel 1: I've got at least until twenty eighth before we hit the penny button.\n\nChannel 0: Yeah. Yeah. It's just I'm I'm putting that contingency in my own schedule that I'm just gonna trigger it at that date. But I'll pop you in my calendar for, say, like, the twelfth. I'll give you a call because that should be the Monday.\n\nI'll\n\nChannel 1: Alright.\n\nChannel 0: give\n\nChannel 1: That'd\n\nChannel 0: you\n\nChannel 1: be great.\n\nChannel 0: a call,\n\nChannel 1: That'd be awesome\n\nChannel 0: and we'll\n\nChannel 1: if you\n\nChannel 0: go\n\nChannel 1: do\n\nChannel 0: from\n\nChannel 1: that.\n\nChannel 0: there. Yeah.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Too easy.\n\nChannel 1: Thanks,\n\nChannel 0: I\n\nChannel 1: Chris.\n\nChannel 0: look forward\n\nChannel 1: Appreciate\n\nChannel 0: to speaking\n\nChannel 1: it.\n\nChannel 0: to\n\nChannel 1: Tell\n\nChannel 0: you\n\nChannel 1: me,\n\nChannel 0: then.\n\nChannel 1: is is is Chevy still about?\n\nChannel 0: Yeah. Sebby's still here. He's he's, like, one of the directors along with Bart. He he floats.\n\nChannel 1: He said he said\n\nChannel 0: He\n\nChannel 1: all this\n\nChannel 0: does\n\nChannel 1: up\n\nChannel 0: his\n\nChannel 1: originally.\n\nChannel 0: thing.\n\nChannel 1: Sorry. What\n\nChannel 0: Oh,\n\nChannel 1: the hell\n\nChannel 0: your\n\nChannel 1: was that?\n\nChannel 0: your your your full financial plan?\n\nChannel 1: Oh, he said all this up originally. It's been many, many years ago. He spoke to someone at work, and he spoke to a couple of us, couple of drivers, and he said it all up. I just wanted because I haven't spoken to him for years. Anyway, it's all good.\n\nAlright.\n\nChannel 0: Yeah. No. He's around.\n\nChannel 1: Yep. Okay. Thanks, Clarissa. Appreciate your help. I'll talk to you again.\n\nChannel 0: Will do. Speak soon.\n\nChannel 1: See you. Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Richard.","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.2028372883796692},{"text":"Larissa here.","start":2.96,"end":3.84,"sentiment":"neutral","sentiment_score":0.2019602134823799},{"text":"How are you going?","start":3.84,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.28413116186857224}],"sentiment":"neutral","sentiment_score":0.2432649563997984,"channel":0,"num_words":8,"start":2.0,"end":4.8199997},{"sentences":[{"text":"Hello, Richard.","start":5.12,"end":5.92,"sentiment":"positive","sentiment_score":0.38247357308864594},{"text":"I'm good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.6639107465744019},{"text":"Thank you.","start":6.16,"end":6.8999996,"sentiment":"positive","sentiment_score":0.780381590127945}],"sentiment":"positive","sentiment_score":0.6089219699303309,"channel":1,"num_words":6,"start":5.12,"end":6.8999996},{"sentences":[{"text":"That's good to hear.","start":7.2,"end":8.82,"sentiment":"positive","sentiment_score":0.6692910194396973},{"text":"Alright.","start":9.679999,"end":10.16,"sentiment":"neutral","sentiment_score":0.15335699915885925},{"text":"I'm on the back foot, but that's okay.","start":10.16,"end":12.559999,"sentiment":"neutral","sentiment_score":0.07249010959640145},{"text":"I'm playing","start":12.559999,"end":13.12,"sentiment":"neutral","sentiment_score":0.041051099076867104}],"sentiment":"neutral","sentiment_score":0.23283627678950627,"channel":0,"num_words":15,"start":7.2,"end":13.12},{"sentences":[{"text":"That's","start":12.975,"end":13.215,"sentiment":"neutral","sentiment_score":0.0063898591324687}],"sentiment":"neutral","sentiment_score":0.0063898591324687,"channel":1,"num_words":1,"start":12.975,"end":13.215},{"sentences":[{"text":"catch","start":13.12,"end":13.44,"sentiment":"neutral","sentiment_score":0.019940059632062912}],"sentiment":"neutral","sentiment_score":0.019940059632062912,"channel":0,"num_words":1,"start":13.12,"end":13.44},{"sentences":[{"text":"alright.","start":13.215,"end":13.615,"sentiment":"neutral","sentiment_score":0.01474715955555439}],"sentiment":"neutral","sentiment_score":0.01474715955555439,"channel":1,"num_words":1,"start":13.215,"end":13.615},{"sentences":[{"text":"up.","start":13.44,"end":13.94,"sentiment":"neutral","sentiment_score":-0.0009369701147079468}],"sentiment":"neutral","sentiment_score":-0.0009369701147079468,"channel":0,"num_words":1,"start":13.44,"end":13.94},{"sentences":[{"text":"I I just need I just need to do something which needs to be done before Dana gets back.","start":13.615,"end":18.895,"sentiment":"neutral","sentiment_score":-0.0785339425661062},{"text":"That's all.","start":18.895,"end":19.295,"sentiment":"neutral","sentiment_score":0.006800874602049591},{"text":"I've got a","start":19.295,"end":20.115,"sentiment":"neutral","sentiment_score":0.018958245093623798}],"sentiment":"neutral","sentiment_score":-0.05923618434462696,"channel":1,"num_words":24,"start":13.615,"end":20.115},{"sentences":[{"text":"Absolutely.","start":19.785,"end":20.285,"sentiment":"neutral","sentiment_score":0.11961428821086884}],"sentiment":"neutral","sentiment_score":0.11961428821086884,"channel":0,"num_words":1,"start":19.785,"end":20.285},{"sentences":[{"text":"I've I've notification that the premium was becoming due early October for life insurance, TPI, and income protection.","start":21.135,"end":28.48,"sentiment":"neutral","sentiment_score":0.033757045968539186},{"text":"I just wanted to put it on stop if I could and find out when I'm actually covered till.","start":28.86,"end":33.92,"sentiment":"neutral","sentiment_score":-0.03455883975287801}],"sentiment":"neutral","sentiment_score":-0.0013240845370534305,"channel":1,"num_words":37,"start":21.135,"end":33.92},{"sentences":[{"text":"Like, cover till age wise?","start":34.96,"end":37.3,"sentiment":"neutral","sentiment_score":-0.04250025562942028},{"text":"Or","start":37.52,"end":38.02,"sentiment":"neutral","sentiment_score":-0.04764197766780853}],"sentiment":"neutral","sentiment_score":-0.04335720930248499,"channel":0,"num_words":6,"start":34.96,"end":38.02},{"sentences":[{"text":"I know when the when the policy will expire.","start":38.395,"end":40.475,"sentiment":"neutral","sentiment_score":-0.07087014408575164},{"text":"I'm not covering more.","start":40.475,"end":41.274998,"sentiment":"neutral","sentiment_score":-0.3179083615541458},{"text":"I think I'll I'll give you a bit of background.","start":41.274998,"end":42.875,"sentiment":"neutral","sentiment_score":-0.0969268899410963},{"text":"I'm going through a financial settlement at the moment after a marriage breakup, and","start":42.875,"end":47.274998,"sentiment":"neutral","sentiment_score":-0.0925733417804752}],"sentiment":"neutral","sentiment_score":-0.11283136290070173,"channel":1,"num_words":37,"start":38.395,"end":47.274998},{"sentences":[{"text":"Yep.","start":47.095,"end":47.595,"sentiment":"neutral","sentiment_score":-0.03422338515520096}],"sentiment":"neutral","sentiment_score":-0.03422338515520096,"channel":0,"num_words":1,"start":47.095,"end":47.595},{"sentences":[{"text":"our final day is on the October 7, which is just before this becomes due anyway.","start":47.274998,"end":51.614998,"sentiment":"neutral","sentiment_score":-0.046098330756649375},{"text":"And if 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So I just wanted to would not stop until I could know exactly what's going on after this settlement on the October 7, and then I can set something else up then.","start_word":208,"end_word":338,"sentiment":"neutral","sentiment_score":-0.07101500967076717},{"text":"Well, happy days.","start_word":339,"end_word":341,"sentiment":"positive","sentiment_score":0.4893565177917481},{"text":"The actual policy renewal date is October 14. I need well, I need to stop that from happening, but right now, if I can. Yeah. I can Alright. request to, like, not pay the premium this second and delay it. Yeah. Realistically and essentially speaking, we have, like, thirty days after the policy renewal to make sure the premium is paid before things get a little bit hairy anyway. Okay. Well, we we should have it sorted that time anyway. At least someone had Yep. a conversation and then made a decision whether whether we yes.","start_word":342,"end_word":437,"sentiment":"neutral","sentiment_score":-0.06970235705375671},{"text":"We suffer the hit and we get going or we, Okay.","start_word":438,"end_word":448,"sentiment":"negative","sentiment_score":-0.434808611869812},{"text":"like, set up something else. Yeah. So alright. So based on your verbal confirmation, what I am going Yep. to do is I am going Yep. to pause the premium and request that it does not get paid right now. Yep.","start_word":449,"end_word":489,"sentiment":"neutral","sentiment_score":-0.07474838942289352},{"text":"If I do not hear from you by Yep. and I'm going to set a hard date.","start_word":490,"end_word":506,"sentiment":"negative","sentiment_score":-0.4517252743244171},{"text":"If I do Yep. not hear from you by the October 28, which is two weeks after the premium is due, Yep. I am going to get it paid because I will not be Yep. meeting my obligation if I don't hear from you by the twenty eighth, and I need Yep. to make sure it gets paid. If you make a decision after the twenty eighth of Yep. October, Yep. that's something that that you wanna alter it, reduce it, cancel it, whatever has Yep. been paid for the year, you will get a pro rata refund. So it's not, I guess, the end Okay.","start_word":507,"end_word":612,"sentiment":"neutral","sentiment_score":-0.21793116629123688},{"text":"of I the just world. don't wanna do it. I no longer do it all on in.","start_word":613,"end_word":629,"sentiment":"negative","sentiment_score":-0.4734121561050415},{"text":"Yeah. Okay. No. Just because you pay for a year's worth of insurance, if you end Yeah. up canceling the policy within the year, you do get a pro rata refund, but it's you'll basically get all of it less an administration charge and whatever you've basically used. So if you use, say, like, three three weeks of it, you won't get the three weeks back, but you'll get all of it except the three weeks plus the and the admin fee. You don't know what the admin fee is by chance? Depends on the policy age, depends on everything, but, generally, somewhere between a few 100 to a grand ish. It just depends on how much rigmarole it is. Alright. I just And gotta get back to you before the twenty ninth, and that's alright. I'm I'm yeah. pretty sure we're off by then. Cool. But I'm just I'm just gonna set that hard date just on the off chance that life explodes Yeah. for you and you don't get a chance to call me or something happens. Yeah. Yeah. No. That's fine. You know, one other question. Okay. That is that policy exploring on the fourth day. What happens if something happens on the fifteenth? Am I covered or I'm not? Yeah. It becomes a little bit dicey. Technically, Yep. the policy the policy is technically still in place. Yep. It's just pending a payment. It hasn't Yep. it's not canceled or anything like that. It is still technically in place, but it does become a little bit dicey and not something I really wanna be sitting too far into the realm of. No. Yeah. Yeah. No. I'm sure. So is there any any loop oh, I can jump through that well for sure. It just Alright. but, yeah, Alright. it becomes a little I'll bit I'll and definitely especially get since back to you. I'll be yeah. able It's to get back to someone before the fourteenth anyway. So we'll yeah. go from there.","start_word":630,"end_word":966,"sentiment":"neutral","sentiment_score":-0.047439238791649706},{"text":"Cool.","start_word":967,"end_word":967,"sentiment":"positive","sentiment_score":0.400979220867157},{"text":"Because And I'm gonna then can need I I'm gonna need I'm gonna need a financial adviser anyway after that point. So I'm gonna make I I yeah. Because there'll be money flattening everywhere, wouldn't it? We'll we'll need a bit of a a decent meeting by the sounds of things? What was that? Well, it sounds like we'll we'll need to sit down and have a decent meeting. Yeah. Well, we never really put anything in place before because it's always been it's been a gray area for years. And I always said once I got it sorted, yeah, I'd come back and then put a proper financial plan in place because there isn't one as such. Yeah. So that'll happen around the same time anyway. Well, we can do that. So Yep. are we are we needing like, are we wanting to when when it comes down to it in, I guess, a a month's time, are you looking at possibly canceling this policy, or I've got it just definitely it's got the change I'll definitely be changing because I won't need yep. that cover. We won't need this full amount that we have. Alright. So, I mean, I guess, it will be canceled. Another one I've started. Okay. Well, do you want me to start having a look into avenues in that area now? So that way when it comes time for us to loop around, we have a little bit of information. Yeah.","start_word":968,"end_word":1214,"sentiment":"neutral","sentiment_score":0.00980075728148222},{"text":"Probably need something because I said this premium of $39,000 is just ridiculous.","start_word":1215,"end_word":1227,"sentiment":"negative","sentiment_score":-0.38962289690971375},{"text":"Yes. Yes. It is it is very high. It's very up there. Yeah.","start_word":1228,"end_word":1240,"sentiment":"neutral","sentiment_score":-0.09288064390420914},{"text":"I've never heard anything anything quite so rude because I thought last year was ridiculous.","start_word":1241,"end_word":1255,"sentiment":"negative","sentiment_score":-0.4139920473098755},{"text":"Right? She's she's gone next level this year. Yeah. It popped up. Because currently so can can I ask? I I again, I'm on the back foot. I haven't Hey. reviewed your file. I'm But occupation wise, what are we doing nowadays? a I'm a fuel tanker driver. That's what makes it so expensive. Yeah. Yeah. Cool. Alright. No. That's okay. Alright. So fuel tanker driver, are we long distance? Not. Nope. Cool. So metro.","start_word":1256,"end_word":1330,"sentiment":"neutral","sentiment_score":-0.059301190078258514},{"text":"Amazing.","start_word":1331,"end_word":1331,"sentiment":"positive","sentiment_score":0.44124701619148254},{"text":"Alright. And then what is happening with the settlement? So, like, can I ask roughly based on what you know so far, where are I'm not a 100 sure what's assets gonna happen. I should I should moving finish up with somewhere around through? 1.3 mil in equity by the cash or property. We're just not sure what's gonna happen with the property yet. That's all. Okay. Any of the debts or will the debts be cleared? There'll be nothing. Let me know K. Cool. So somewhere between the one to 1.3. Cool. Alright. So that's Yeah. Something. like When does that whether that offer it? It'll either be cash or it'll be equity. You know what I mean? If if there's yeah. a $550 mortgage in there, then there'll be there'll be 1.8 in assets, so to speak, assets and cash, if that makes sense. Yeah. No. No. No. Makes sense. Alright. Cool. Alright. Perfect. So then it's just a matter of probably a a heavy adjustment to the policy and or complete rewrite pending No. That's I'm everything. just not gonna take that cover anymore because when I'm gone, I'm gone. Yep. But there'll be enough there'll be enough stuff and everything. It's turned whether you get replaced. You know what I mean? Yeah. Okay. Alright. Perfect. Well, I'll have a quick look and see whether there's any other alternative providers at the moment Yep. with your occupation and what that fits at. And then when you know more of the financials, we can kinda sit down and have that either you and Dana, you and I, depending on timelines, Yep. we can sit down and actually have a conversation about where how much we need in cover, if we need cover at all, and what that looks like. So yeah. Now it's let me ask for it. Are you a phone agent at the bottom? I am. I'm the head of financial advice for Oakview. Okay. Cool. Alright. Let's try. Yeah. So I can do it Alright. all for you. Hey.","start_word":1332,"end_word":1675,"sentiment":"neutral","sentiment_score":-0.020706873798612937},{"text":"Good as you go.","start_word":1676,"end_word":1679,"sentiment":"positive","sentiment_score":0.4975111484527588},{"text":"Alright. Hey, mate. I'll I'll try and get you before the fourteenth anyway. We'll yeah. But I know that Yeah. I've got at least until twenty eighth before we hit the penny button. Yeah. Yeah. It's just I'm I'm putting that contingency in my own schedule that I'm just gonna trigger it at that date. But I'll pop you in my calendar for, say, like, the twelfth. I'll give you a call because that should be the Monday. I'll Alright.","start_word":1680,"end_word":1759,"sentiment":"neutral","sentiment_score":0.05741782858967781},{"text":"give That'd you be great. a call, That'd be awesome and we'll if you go do from that.","start_word":1760,"end_word":1777,"sentiment":"positive","sentiment_score":0.37241169810295105},{"text":"there. Yeah. Yeah. Alright.","start_word":1778,"end_word":1781,"sentiment":"neutral","sentiment_score":0.19925253093242645},{"text":"Too easy. Thanks, I Chris. look forward Appreciate to speaking it.","start_word":1782,"end_word":1792,"sentiment":"positive","sentiment_score":0.5375556349754333},{"text":"to Tell you me, then. is is is Chevy still about? Yeah. Sebby's still here. He's he's, like, one of the directors along with Bart. He he floats. He said he said He all this does up his originally. thing. Sorry. What Oh, the hell your was that? your your your full financial plan? Oh, he said all this up originally. It's been many, many years ago. He spoke to someone at work, and he spoke to a couple of us, couple of drivers, and he said it all up. I just wanted because I haven't spoken to him for years.","start_word":1793,"end_word":1893,"sentiment":"neutral","sentiment_score":-0.02533889377471244},{"text":"Anyway, it's all good.","start_word":1894,"end_word":1897,"sentiment":"positive","sentiment_score":0.5404981970787048},{"text":"Alright. Yeah. No. He's around. Yep. Okay.","start_word":1898,"end_word":1904,"sentiment":"neutral","sentiment_score":0.08595839887857437},{"text":"Thanks, Clarissa. Appreciate your help. I'll talk to you again. Will do.","start_word":1905,"end_word":1916,"sentiment":"positive","sentiment_score":0.589102566242218},{"text":"Speak soon.","start_word":1917,"end_word":1918,"sentiment":"neutral","sentiment_score":0.257063090801239},{"text":"See you.","start_word":1919,"end_word":1920,"sentiment":"positive","sentiment_score":0.37763285636901855},{"text":"Bye. Bye. Bye.","start_word":1921,"end_word":1923,"sentiment":"neutral","sentiment_score":0.1379862129688263}],"average":{"sentiment":"neutral","sentiment_score":-0.033796246710955546}}}}