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No. It was Jack calling you, but I also wanted to speak to you today. So I thought I'd just give you a buzz on my headset, see if that works a little bit better. And you can hear me loud and clear? No. We haven't. I'm one of the senior advisers at Oakview Financial, and I've just been going through to review your file for that insurance application you did with Jack a little while ago. On the fourth of no. You're totally fine. Just before I jump into the details because it is sensitive information, am I okay to confirm security with you, please? Awesome. So I'm registered with Asic as adviser 1273105. You don't have a security question on file, so could I please check your date of birth and address, please? Perfect. Thank you for that, Robin. And are you okay for the call to be recorded? Perfect. Perfect. Perfect. So we just have a few updates for you. And the reason for my part of the call is after you went through the medical questionnaire with Jack, we just wanted to check all bases and have it reviewed by another pair of eyes just to make sure you're gonna be left in a better position. So what I've been doing is just talking to the insurer and just looking over the advice that you were given just to make sure it's all gonna go through okay. Now good news. We checked with the insurer for the cholesterol in particular. I was just a bit concerned because it was there was a bit of recency because I think you were you had the issues around September. Is that right? Yeah. So sometimes when it's a bit recent, they can they can apply things like loadings where they make the price 50% more expensive, or they even apply, like, exclusions. So I just wanted to do a bit of field underwriting with them just to make sure that didn't happen. Good news. They the ratings that you gave us all seemed fine. So we spoke to their senior underwriter, and he seemed like that was all perfect ratings. It all looks like it's pretty well under control. Obviously, you've been taking, you know, medication and so on, so it seems pretty stable. Is that kind of what the doctors have been saying? Yep. Perfect. So there won't be any risk of loadings or exclusions or anything like that, so that's all perfectly fine. Perfect. So the other thing I did too is because you have your existing insurances with Hostplus, one of the recommendations that we gave was to replace that with this Zurich cover so we can consolidate the super across and get a better kind of underwritten policy. Does that ring a bell? Perfect. So just to check all bases, sometimes we also look at something called transfer terms. So what we do is we see if we can actually if there is any health issues, we can possibly transfer your insurances across, and sometimes it's a little bit more affordable. In this case in particular, the transfer terms was actually coming out to be around about $700 more expensive. So the policy that we actually recommended with Zurich is still the the kind of the best outcome in terms of really high policy features, and the premiums are pretty affordable too. Not too much of an impact on the super. So I'm I'm very comfortable with the advice I've just given. Cool. The only thing I wanted to let you know was that there was a bit of a jump up in the price from when we first checked it, where it was originally $2.04 $2.02, and now it's $2.07 $7.01. So before we submitted anything, I wanted to, one, check the health side, two, update some projections and make sure it wasn't gonna have too big of an impact on your super, and then just let you know that, a, the health is okay, and b, that there was a slight price difference. And I wanted to just let you know that before we submitted anything. No. That's totally fine. So you had Yeah. Yeah. So that's an annual premium, and that's just to replace that's annual. That's to replace the life insurance, disability insurance, and income protection that Host Plus has with you. So it's just a like for like switch between one to the other just to make sure that you've got, I guess, the same level of cover, but also a bit better quality under the hood. Yeah. Good question. So because you have the MetLife policy that you're paying out of pocket. Correct? Correct. So that was another thing that I checked as well because I was kind of going, okay. Why have two policies? But what they do is when the host bus first gave you the life and disability insurance, they link them together. So they it's like a shared pool of money, and it makes it much more affordable. It's almost like half the price to have them linked together. So when I look through the quotes as well, if you were just going to have disability and income protection, it would have actually been more expensive than having all three. So it just kinda gets you an extra an extra little few 100,000 for having it linked together, and it's kind of like, oh, it's better to have 1,300,000.0 instead of one if it's actually costing you less overall. It's kind of one of those little tricks. It is perfect. The one thing I will let you know is the way they do it is through something called a buyback. So if you had the two policies separate, again, it would be more expensive. But this one, when it shares the pool of money, if you were considered TPD, you're in a car accident, you can never work again, you would get your 300,000, and it would deplete your life insurance, and then they would buy it back and fill it back up again a little bit later. So that's how they can link it and make it cheaper. Cool. It's just a policy feature. It's kind of the the best way to do it in the background. Cool. So I'll send you a bit of just an updated document so you've got it in your records so it's all up to date, and you can keep that there. But that's pretty much it. I just wanted to run it by you, make sure there was not gonna be any detriment for you, and that we're all okay to submit, and and that's pretty much it. Pretty much. As long as you're comfortable with what I've said, we're good to go. Awesome. One thing we'll do too is I wanted to just quickly check with you if you wanted to have some more frequent catch ups through this year. Would you prefer a bit more of a set and forget and we'll talk around Christmas time? Or just given everything that's going on in the world, do you wanna kind of catch up in a few months' time? Yeah. I just wanna make sure that that first year is comfortable for you. It's performing well compared to what you were in before. And if it's doing okay compared to the markets because the world's on fire, and I wanna make sure that you know what's going on with your money as long as you're comfortable with that frequency of contact. Easy done. So what I'll do is this is all finalized now. You'll get that email with the updated document. Jack will finish off the application. You might you may need to just sign off from the provider. They'll send you an email saying, hey. Is this all okay what these guys have submitted? Other than that, I'll pencil on a call for three months time, and we'll see how the super is going. Awesome, Robin. Have a fantastic day. Thank you. 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Robin. It's Tommy here from Home View Financial. How are you doing? Fantastic. I wanted to try it from my headset just in case.\n\nNo. It was Jack calling you, but I also wanted to speak to you today. So I thought I'd just give you a buzz on my headset, see if that works a little bit better. And you can hear me loud and clear? No.\n\nWe haven't. I'm one of the senior advisers at Oakview Financial, and I've just been going through to review your file for that insurance application you did with Jack a little while ago. On the fourth of no. You're totally fine. Just before I jump into the details because it is sensitive information, am I okay to confirm security with you, please?\n\nAwesome. So I'm registered with Asic as adviser 1273105. You don't have a security question on file, so could I please check your date of birth and address, please? Perfect. Thank you for that, Robin.\n\nAnd are you okay for the call to be recorded? Perfect. Perfect. Perfect. So we just have a few updates for you.\n\nAnd the reason for my part of the call is after you went through the medical questionnaire with Jack, we just wanted to check all bases and have it reviewed by another pair of eyes just to make sure you're gonna be left in a better position. So what I've been doing is just talking to the insurer and just looking over the advice that you were given just to make sure it's all gonna go through okay. Now good news. We checked with the insurer for the cholesterol in particular. I was just a bit concerned because it was there was a bit of recency because I think you were you had the issues around September.\n\nIs that right? Yeah. So sometimes when it's a bit recent, they can they can apply things like loadings where they make the price 50% more expensive, or they even apply, like, exclusions. So I just wanted to do a bit of field underwriting with them just to make sure that didn't happen. Good news.\n\nThey the ratings that you gave us all seemed fine. So we spoke to their senior underwriter, and he seemed like that was all perfect ratings. It all looks like it's pretty well under control. Obviously, you've been taking, you know, medication and so on, so it seems pretty stable. Is that kind of what the doctors have been saying?\n\nYep. Perfect. So there won't be any risk of loadings or exclusions or anything like that, so that's all perfectly fine. Perfect. So the other thing I did too is because you have your existing insurances with Hostplus, one of the recommendations that we gave was to replace that with this Zurich cover so we can consolidate the super across and get a better kind of underwritten policy.\n\nDoes that ring a bell? Perfect. So just to check all bases, sometimes we also look at something called transfer terms. So what we do is we see if we can actually if there is any health issues, we can possibly transfer your insurances across, and sometimes it's a little bit more affordable. In this case in particular, the transfer terms was actually coming out to be around about $700 more expensive.\n\nSo the policy that we actually recommended with Zurich is still the the kind of the best outcome in terms of really high policy features, and the premiums are pretty affordable too. Not too much of an impact on the super. So I'm I'm very comfortable with the advice I've just given. Cool. The only thing I wanted to let you know was that there was a bit of a jump up in the price from when we first checked it, where it was originally $2.04 $2.02, and now it's $2.07 $7.01.\n\nSo before we submitted anything, I wanted to, one, check the health side, two, update some projections and make sure it wasn't gonna have too big of an impact on your super, and then just let you know that, a, the health is okay, and b, that there was a slight price difference. And I wanted to just let you know that before we submitted anything. No. That's totally fine. So you had Yeah.\n\nYeah. So that's an annual premium, and that's just to replace that's annual. That's to replace the life insurance, disability insurance, and income protection that Host Plus has with you. So it's just a like for like switch between one to the other just to make sure that you've got, I guess, the same level of cover, but also a bit better quality under the hood. Yeah.\n\nGood question. So because you have the MetLife policy that you're paying out of pocket. Correct? Correct. So that was another thing that I checked as well because I was kind of going, okay.\n\nWhy have two policies? But what they do is when the host bus first gave you the life and disability insurance, they link them together. So they it's like a shared pool of money, and it makes it much more affordable. It's almost like half the price to have them linked together. So when I look through the quotes as well, if you were just going to have disability and income protection, it would have actually been more expensive than having all three.\n\nSo it just kinda gets you an extra an extra little few 100,000 for having it linked together, and it's kind of like, oh, it's better to have 1,300,000.0 instead of one if it's actually costing you less overall. It's kind of one of those little tricks. It is perfect. The one thing I will let you know is the way they do it is through something called a buyback. So if you had the two policies separate, again, it would be more expensive.\n\nBut this one, when it shares the pool of money, if you were considered TPD, you're in a car accident, you can never work again, you would get your 300,000, and it would deplete your life insurance, and then they would buy it back and fill it back up again a little bit later. So that's how they can link it and make it cheaper. Cool. It's just a policy feature. It's kind of the the best way to do it in the background.\n\nCool. So I'll send you a bit of just an updated document so you've got it in your records so it's all up to date, and you can keep that there. But that's pretty much it. I just wanted to run it by you, make sure there was not gonna be any detriment for you, and that we're all okay to submit, and and that's pretty much it. Pretty much.\n\nAs long as you're comfortable with what I've said, we're good to go. Awesome. One thing we'll do too is I wanted to just quickly check with you if you wanted to have some more frequent catch ups through this year. Would you prefer a bit more of a set and forget and we'll talk around Christmas time? Or just given everything that's going on in the world, do you wanna kind of catch up in a few months' time?\n\nYeah. I just wanna make sure that that first year is comfortable for you. It's performing well compared to what you were in before. And if it's doing okay compared to the markets because the world's on fire, and I wanna make sure that you know what's going on with your money as long as you're comfortable with that frequency of contact. Easy done.\n\nSo what I'll do is this is all finalized now. You'll get that email with the updated document. Jack will finish off the application. You might you may need to just sign off from the provider. They'll send you an email saying, hey.\n\nIs this all okay what these guys have submitted? Other than that, I'll pencil on a call for three months time, and we'll see how the super is going. Awesome, Robin. Have a fantastic day. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Robin.","start":2.24,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.16136643290519714},{"text":"It's Tommy here from Home View Financial.","start":2.8799999,"end":4.56,"sentiment":"neutral","sentiment_score":0.19269642446722304},{"text":"How are you doing?","start":4.56,"end":5.38,"sentiment":"neutral","sentiment_score":0.24630346149206161},{"text":"Fantastic.","start":7.9199996,"end":8.42,"sentiment":"positive","sentiment_score":0.7641698122024536},{"text":"I wanted to try it from my headset just in case.","start":8.639999,"end":11.139999,"sentiment":"neutral","sentiment_score":0.2333757687698711}],"sentiment":"neutral","sentiment_score":0.2395249980688095,"num_words":25,"start":2.24,"end":11.139999},{"sentences":[{"text":"No.","start":11.679999,"end":11.92,"sentiment":"neutral","sentiment_score":-0.009301405400037766},{"text":"It was Jack calling you, but I also wanted to speak to you today.","start":11.92,"end":15.165,"sentiment":"neutral","sentiment_score":0.034200730600527356},{"text":"So I thought I'd just give you a buzz on my headset, see if that works a little bit better.","start":15.165,"end":19.105,"sentiment":"neutral","sentiment_score":0.04466723222285509},{"text":"And you can hear me loud and clear?","start":20.605,"end":22.384998,"sentiment":"neutral","sentiment_score":-0.010059532010927796},{"text":"No.","start":25.66,"end":25.98,"sentiment":"neutral","sentiment_score":-0.12618239223957062}],"sentiment":"neutral","sentiment_score":0.02627715498039668,"num_words":44,"start":11.679999,"end":25.98},{"sentences":[{"text":"We haven't.","start":25.98,"end":26.64,"sentiment":"neutral","sentiment_score":-0.11365105211734772},{"text":"I'm one of the senior advisers at Oakview Financial, and I've just been going through to review your file for that insurance application you did with Jack a little while ago.","start":26.7,"end":36.96,"sentiment":"neutral","sentiment_score":-0.013440882066084493},{"text":"On the fourth of no.","start":43.035,"end":48.155,"sentiment":"neutral","sentiment_score":-0.08940817564725875},{"text":"You're totally fine.","start":48.155,"end":49.035,"sentiment":"neutral","sentiment_score":0.051017998407284416},{"text":"Just before I jump into the details because it is sensitive information, am I okay to confirm security with you, please?","start":49.035,"end":54.859997,"sentiment":"neutral","sentiment_score":-0.06997599780914329}],"sentiment":"neutral","sentiment_score":-0.03882987556918975,"num_words":62,"start":25.98,"end":54.859997},{"sentences":[{"text":"Awesome.","start":56.28,"end":56.76,"sentiment":"neutral","sentiment_score":0.21901337802410129},{"text":"So I'm registered with Asic as adviser 1273105.","start":56.76,"end":62.059998,"sentiment":"neutral","sentiment_score":0.1407434642314911},{"text":"You don't have a security question on file, so could I please check your date of birth and address, please?","start":62.36,"end":68.299995,"sentiment":"neutral","sentiment_score":0.06710998583585023},{"text":"Perfect.","start":79.284996,"end":79.765,"sentiment":"positive","sentiment_score":0.39883744716644287},{"text":"Thank you for that, Robin.","start":79.765,"end":80.965,"sentiment":"positive","sentiment_score":0.5275121092796325}],"sentiment":"neutral","sentiment_score":0.1635302514902183,"num_words":35,"start":56.28,"end":80.965},{"sentences":[{"text":"And are you okay for the call to be recorded?","start":80.965,"end":83.064995,"sentiment":"neutral","sentiment_score":0.17633513882756233},{"text":"Perfect.","start":84.53999,"end":85.02,"sentiment":"positive","sentiment_score":0.36440354585647583},{"text":"Perfect.","start":85.02,"end":85.34,"sentiment":"positive","sentiment_score":0.3887872695922851},{"text":"Perfect.","start":85.34,"end":85.84,"sentiment":"positive","sentiment_score":0.40332645177841187},{"text":"So we just have a few updates for you.","start":86.06,"end":88.21999,"sentiment":"neutral","sentiment_score":0.21454957293139565}],"sentiment":"neutral","sentiment_score":0.2204915823584253,"num_words":22,"start":80.965,"end":88.21999},{"sentences":[{"text":"And the reason for my part of the call is after you went through the medical questionnaire with Jack, we just wanted to check all bases and have it reviewed by another pair of eyes just to make sure you're gonna be left in a better position.","start":88.21999,"end":103.045,"sentiment":"neutral","sentiment_score":0.14128250625737487},{"text":"So what I've been doing is just talking to the insurer and just looking over the advice that you were given just to make sure it's all gonna go through okay.","start":103.265,"end":110.965004,"sentiment":"neutral","sentiment_score":0.11680500834218917},{"text":"Now good news.","start":113.49,"end":114.71,"sentiment":"positive","sentiment_score":0.5352785686651865},{"text":"We checked with the insurer for the cholesterol in particular.","start":114.92999,"end":118.39,"sentiment":"neutral","sentiment_score":0.15045985504984855},{"text":"I was just a bit concerned because it was there was a bit of recency because I think you were you had the issues around September.","start":118.85,"end":126.13,"sentiment":"neutral","sentiment_score":-0.11160968344372052}],"sentiment":"neutral","sentiment_score":0.08948560290309227,"num_words":117,"start":88.21999,"end":126.13},{"sentences":[{"text":"Is that right?","start":126.13,"end":126.855,"sentiment":"neutral","sentiment_score":-0.035160171488920845},{"text":"Yeah.","start":128.05501,"end":128.375,"sentiment":"neutral","sentiment_score":-0.03751511871814728},{"text":"So sometimes when it's a bit recent, they can they can apply things like loadings where they make the price 50% more expensive, or they even apply, like, exclusions.","start":128.375,"end":137.835,"sentiment":"neutral","sentiment_score":-0.042805377907794095},{"text":"So I just wanted to do a bit of field underwriting with them just to make sure that didn't happen.","start":137.895,"end":143.23,"sentiment":"neutral","sentiment_score":-0.10934372767806053},{"text":"Good news.","start":144.89,"end":145.45,"sentiment":"positive","sentiment_score":0.5029803812503815}],"sentiment":"neutral","sentiment_score":-0.04664118879220702,"num_words":55,"start":126.13,"end":145.45},{"sentences":[{"text":"They the ratings that you gave us all seemed fine.","start":145.45,"end":149.29,"sentiment":"positive","sentiment_score":0.551175656914711},{"text":"So we spoke to their senior underwriter, and he seemed like that was all perfect ratings.","start":149.29,"end":154.265,"sentiment":"positive","sentiment_score":0.5131251588463783},{"text":"It all looks like it's pretty well under control.","start":154.265,"end":156.525,"sentiment":"positive","sentiment_score":0.6532214548852708},{"text":"Obviously, you've been taking, you know, medication and so on, so it seems pretty stable.","start":157.22499,"end":161.305,"sentiment":"positive","sentiment_score":0.43733412623405454},{"text":"Is that kind of what the doctors have been saying?","start":161.305,"end":163.325,"sentiment":"neutral","sentiment_score":0.2484658196568489}],"sentiment":"positive","sentiment_score":0.47742370491226516,"num_words":60,"start":145.45,"end":163.325},{"sentences":[{"text":"Yep.","start":164.92,"end":165.31999,"sentiment":"neutral","sentiment_score":0.2997996211051941},{"text":"Perfect.","start":165.31999,"end":165.72,"sentiment":"positive","sentiment_score":0.59056556224823},{"text":"So there won't be any risk of loadings or exclusions or anything like that, so that's all perfectly fine.","start":165.72,"end":171.73999,"sentiment":"positive","sentiment_score":0.4259569307691173},{"text":"Perfect.","start":173.31999,"end":173.8,"sentiment":"positive","sentiment_score":0.5459303855895996},{"text":"So the other thing I did too is because you have your existing insurances with Hostplus, one of the recommendations that we gave was to replace that with this Zurich cover so we can consolidate the super across and get a better kind of underwritten policy.","start":173.8,"end":190.06499,"sentiment":"neutral","sentiment_score":0.2704206277494845}],"sentiment":"neutral","sentiment_score":0.3230709725004785,"num_words":68,"start":164.92,"end":190.06499},{"sentences":[{"text":"Does that ring a bell?","start":190.06499,"end":191.04,"sentiment":"neutral","sentiment_score":0.12935857623815536},{"text":"Perfect.","start":192.31999,"end":192.71999,"sentiment":"positive","sentiment_score":0.39973241090774536},{"text":"So just to check all bases, sometimes we also look at something called transfer terms.","start":192.71999,"end":197.84,"sentiment":"neutral","sentiment_score":0.08694181914130847},{"text":"So what we do is we see if we can actually if there is any health issues, we can possibly transfer your insurances across, and sometimes it's a little bit more affordable.","start":197.84,"end":206.9,"sentiment":"neutral","sentiment_score":0.12512598244939},{"text":"In this case in particular, the transfer terms was actually coming out to be around about $700 more expensive.","start":208.535,"end":215.435,"sentiment":"neutral","sentiment_score":-0.1409827886443389}],"sentiment":"neutral","sentiment_score":0.051055708796613745,"num_words":72,"start":190.06499,"end":215.435},{"sentences":[{"text":"So the policy that we actually recommended with Zurich is still the the kind of the best outcome in terms of really high policy features, and the premiums are pretty affordable too.","start":215.655,"end":226.72,"sentiment":"positive","sentiment_score":0.7337726000696421},{"text":"Not too much of an impact on the super.","start":226.86,"end":228.70001,"sentiment":"positive","sentiment_score":0.36510278284549713},{"text":"So I'm I'm very comfortable with the advice I've just given.","start":228.70001,"end":231.52,"sentiment":"positive","sentiment_score":0.6012641977180134},{"text":"Cool.","start":233.27501,"end":233.595,"sentiment":"positive","sentiment_score":0.3434365689754486},{"text":"The only thing I wanted to let you know was that there was a bit of a jump up in the price from when we first checked it, where it was originally $2.04 $2.02, and now it's $2.07 $7.01.","start":233.595,"end":244.315,"sentiment":"neutral","sentiment_score":-0.036207978637554705}],"sentiment":"positive","sentiment_score":0.3512160850526846,"num_words":92,"start":215.655,"end":244.315},{"sentences":[{"text":"So before we submitted anything, I wanted to, one, check the health side, two, update some projections and make sure it wasn't gonna have too big of an impact on your super, and then just let you know that, a, the health is okay, and b, that there was a slight price difference.","start":244.315,"end":261.05,"sentiment":"neutral","sentiment_score":-0.029831870696243813},{"text":"And I wanted to just let you know that before we submitted anything.","start":261.05,"end":263.875,"sentiment":"neutral","sentiment_score":-0.0150394389549127},{"text":"No.","start":277.07,"end":277.31,"sentiment":"neutral","sentiment_score":-0.05902539938688278},{"text":"That's totally fine.","start":277.31,"end":278.35,"sentiment":"neutral","sentiment_score":-0.01111309789121151},{"text":"So you had Yeah.","start":278.35,"end":286.30502,"sentiment":"neutral","sentiment_score":0.00110152130946517}],"sentiment":"neutral","sentiment_score":-0.025196762988343835,"num_words":74,"start":244.315,"end":286.30502},{"sentences":[{"text":"Yeah.","start":295.325,"end":295.64502,"sentiment":"neutral","sentiment_score":0.011297770775854588},{"text":"So that's an annual premium, and that's just to replace that's annual.","start":295.64502,"end":299.905,"sentiment":"neutral","sentiment_score":0.01675005443394184},{"text":"That's to replace the life insurance, disability insurance, and income protection that Host Plus has with you.","start":300.38998,"end":306.65,"sentiment":"neutral","sentiment_score":0.06851034567636602},{"text":"So it's just a like for like switch between one to the other just to make sure that you've got, I guess, the same level of cover, but also a bit better quality under the hood.","start":308.07,"end":317.57498,"sentiment":"neutral","sentiment_score":0.09209921480053002},{"text":"Yeah.","start":325.41,"end":325.91,"sentiment":"neutral","sentiment_score":-0.009322360157966614}],"sentiment":"neutral","sentiment_score":0.06989886079317154,"num_words":67,"start":295.325,"end":325.91},{"sentences":[{"text":"Good question.","start":336.21,"end":337.03,"sentiment":"neutral","sentiment_score":0.12827162444591522},{"text":"So because you have the MetLife policy that you're paying out of pocket.","start":337.25,"end":341.375,"sentiment":"neutral","sentiment_score":0.007240141168809854},{"text":"Correct?","start":341.375,"end":341.875,"sentiment":"neutral","sentiment_score":0.052026595920324326},{"text":"Correct.","start":342.41498,"end":342.91498,"sentiment":"neutral","sentiment_score":0.0720580667257309},{"text":"So that was another thing that I checked as well because I was kind of going, okay.","start":342.97498,"end":346.41498,"sentiment":"neutral","sentiment_score":0.030183126930804813}],"sentiment":"neutral","sentiment_score":0.0290547913104734,"num_words":34,"start":336.21,"end":346.41498},{"sentences":[{"text":"Why have two policies?","start":346.41498,"end":347.63498,"sentiment":"neutral","sentiment_score":-0.020420065615326166},{"text":"But what they do is when the host bus first gave you the life and disability insurance, they link them together.","start":348.095,"end":354.33002,"sentiment":"neutral","sentiment_score":0.05629144892806098},{"text":"So they it's like a shared pool of money, and it makes it much more affordable.","start":354.71002,"end":359.03,"sentiment":"neutral","sentiment_score":0.17902637366205454},{"text":"It's almost like half the price to have them linked together.","start":359.03,"end":362.25,"sentiment":"neutral","sentiment_score":0.11586590653116052},{"text":"So when I look through the quotes as well, if you were just going to have disability and income protection, it would have actually been more expensive than having all three.","start":362.39,"end":371.415,"sentiment":"neutral","sentiment_score":-0.06893677913373517}],"sentiment":"neutral","sentiment_score":0.03737767424479307,"num_words":83,"start":346.41498,"end":371.415},{"sentences":[{"text":"So it just kinda gets you an extra an extra little few 100,000 for having it linked together, and it's kind of like, oh, it's better to have 1,300,000.0 instead of one if it's actually costing you less overall.","start":372.835,"end":384.215,"sentiment":"neutral","sentiment_score":-0.01349119438479344},{"text":"It's kind of one of those little tricks.","start":384.40997,"end":386.03,"sentiment":"neutral","sentiment_score":-0.0604716376401484},{"text":"It is perfect.","start":387.77,"end":394.03,"sentiment":"neutral","sentiment_score":0.022298072775204975},{"text":"The one thing I will let you know is the way they do it is through something called a buyback.","start":394.25,"end":399.22998,"sentiment":"neutral","sentiment_score":0.018019454460591076},{"text":"So if you had the two policies separate, again, it would be more expensive.","start":399.675,"end":403.455,"sentiment":"neutral","sentiment_score":-0.045631468296051025}],"sentiment":"neutral","sentiment_score":-0.014541511080183443,"num_words":84,"start":372.835,"end":403.455},{"sentences":[{"text":"But this one, when it shares the pool of money, if you were considered TPD, you're in a car accident, you can never work again, you would get your 300,000, and it would deplete your life insurance, and then they would buy it back and fill it back up again a little bit later.","start":403.755,"end":419.08002,"sentiment":"neutral","sentiment_score":-0.08735956831110848},{"text":"So that's how they can link it and make it cheaper.","start":419.22,"end":422.12,"sentiment":"neutral","sentiment_score":0.04199125177480958},{"text":"Cool.","start":423.94,"end":424.18002,"sentiment":"neutral","sentiment_score":0.22807130217552185},{"text":"It's just a policy feature.","start":424.18002,"end":425.38,"sentiment":"neutral","sentiment_score":0.18502109348773957},{"text":"It's kind of the the best way to do it in the background.","start":425.38,"end":428.28,"sentiment":"neutral","sentiment_score":0.13762724342254493}],"sentiment":"neutral","sentiment_score":-0.01563311887106725,"num_words":84,"start":403.755,"end":428.28},{"sentences":[{"text":"Cool.","start":430.415,"end":430.915,"sentiment":"positive","sentiment_score":0.4878348708152771},{"text":"So I'll send you a bit of just an updated document so you've got it in your records so it's all up to date, and you can keep that there.","start":431.535,"end":438.01498,"sentiment":"neutral","sentiment_score":0.30019074777762095},{"text":"But that's pretty much it.","start":438.01498,"end":439.215,"sentiment":"neutral","sentiment_score":0.1866473972797394},{"text":"I just wanted to run it by you, make sure there was not gonna be any detriment for you, and that we're all okay to submit, and and that's pretty much it.","start":439.215,"end":448.0,"sentiment":"neutral","sentiment_score":0.3098864469793625},{"text":"Pretty much.","start":451.74002,"end":452.30002,"sentiment":"positive","sentiment_score":0.410337895154953}],"sentiment":"neutral","sentiment_score":0.302340519774173,"num_words":70,"start":430.415,"end":452.30002},{"sentences":[{"text":"As long as you're comfortable with what I've said, we're good to go.","start":452.30002,"end":455.475,"sentiment":"positive","sentiment_score":0.46283340683350194},{"text":"Awesome.","start":458.195,"end":458.595,"sentiment":"positive","sentiment_score":0.6519573926925659},{"text":"One thing we'll do too is I wanted to just quickly check with you if you wanted to have some more frequent catch ups through this year.","start":458.595,"end":465.89502,"sentiment":"neutral","sentiment_score":0.17645840457192175},{"text":"Would you prefer a bit more of a set and forget and we'll talk around Christmas time?","start":466.115,"end":470.75,"sentiment":"neutral","sentiment_score":0.07593282049193102},{"text":"Or just given everything that's going on in the world, do you wanna kind of catch up in a few months' time?","start":470.81,"end":475.23,"sentiment":"neutral","sentiment_score":0.0633243832059882}],"sentiment":"neutral","sentiment_score":0.17646453729830683,"num_words":80,"start":452.30002,"end":475.23},{"sentences":[{"text":"Yeah.","start":489.14502,"end":489.465,"sentiment":"neutral","sentiment_score":0.1560674011707306},{"text":"I just wanna make sure that that first year is comfortable for you.","start":489.465,"end":492.605,"sentiment":"neutral","sentiment_score":0.25899465725972104},{"text":"It's performing well compared to what you were in before.","start":492.665,"end":495.565,"sentiment":"positive","sentiment_score":0.3765824317932129},{"text":"And if it's doing okay compared to the markets because the world's on fire, and I wanna make sure that you know what's going on with your money as long as you're comfortable with that frequency of contact.","start":495.99,"end":505.37,"sentiment":"neutral","sentiment_score":0.18700415641069412},{"text":"Easy done.","start":514.485,"end":515.125,"sentiment":"neutral","sentiment_score":0.32133649289608}],"sentiment":"neutral","sentiment_score":0.23496333113871515,"num_words":64,"start":489.14502,"end":515.125},{"sentences":[{"text":"So what I'll do is this is all finalized now.","start":515.125,"end":517.925,"sentiment":"neutral","sentiment_score":0.20621735006570815},{"text":"You'll get that email with the updated document.","start":517.925,"end":520.185,"sentiment":"neutral","sentiment_score":0.18738697282969952},{"text":"Jack will finish off the application.","start":520.485,"end":522.185,"sentiment":"neutral","sentiment_score":0.1600971631705761},{"text":"You might you may need to just sign off from the provider.","start":522.74,"end":525.86,"sentiment":"neutral","sentiment_score":0.06614405879129966},{"text":"They'll send you an email saying, hey.","start":525.86,"end":527.37994,"sentiment":"neutral","sentiment_score":0.15841470445905412}],"sentiment":"neutral","sentiment_score":0.14940660230295602,"num_words":43,"start":515.125,"end":527.37994},{"sentences":[{"text":"Is this all okay what these guys have submitted?","start":527.37994,"end":529.56,"sentiment":"neutral","sentiment_score":0.1722438500987159},{"text":"Other than that, I'll pencil on a call for three months time, and we'll see how the super is going.","start":530.33997,"end":535.32294,"sentiment":"neutral","sentiment_score":0.24188219867646693},{"text":"Awesome, Robin.","start":537.5629,"end":538.28296,"sentiment":"positive","sentiment_score":0.8746142685413361},{"text":"Have a fantastic day.","start":538.28296,"end":539.58295,"sentiment":"positive","sentiment_score":0.8197534680366516},{"text":"Thank you.","start":541.08295,"end":541.64294,"sentiment":"positive","sentiment_score":0.5381161272525787}],"sentiment":"positive","sentiment_score":0.3376300888689789,"num_words":37,"start":527.37994,"end":541.64294},{"sentences":[{"text":"Bye.","start":541.64294,"end":542.14294,"sentiment":"neutral","sentiment_score":-0.08010212332010269}],"sentiment":"neutral","sentiment_score":-0.08010212332010269,"num_words":1,"start":541.64294,"end":542.14294}]}}]},{"alternatives":[{"transcript":"Hello? Oh, that sounds so much better. I think I was calling you Jack. Oh. Oh, okay. Perfect. Yep. How are you going? Tell me I don't think yeah. I can. And I think we've spoken before, have we? Okay. Oh, okay. Did I have something in my diary that we were gonna talk on the fourth? Oh, no. That would be the weekend. So, yeah, maybe not. Okay. Sorry. Go on. Of course. Certainly. So my date of birth is the '69. Address is Number 9 Haven Lane in Diamond Creek In Victoria 3089. Yes. Yep. Fine. Oh, yeah. Yes. Alright. Yeah. Yes. Right. Yes. Okay. Okay. Can you sorry, Tommy. Could you just remind me again what that price was for? This because this has been going on for so long. I even forget what happened. Yeah. This is I didn't realize it was gonna be, like, a six month process to just roll my super over. So so what is that two for does that come out of my super every month or something for the insurances? Is that right? Oh, annual. Right. Yep. Yep. Okay. Yep. Yep. Oh, that's good. Now one of the questions I spoke to Jack when we spoke last I don't know I don't know when that was or when we spoke last month or something maybe. I asked him why do I have to have the life insurance with Zurich when I already have my own life insurance. So why do I have double correct. Yes. Yep. Yeah. That's bizarre, isn't it? Well, I don't even understand why that happened. Anyway, that's good. You've answered my question then. That's great. Thank you. Okay. Okeydoke. Yep. Okay. Oh, so now it's all done. Is that right? Great. Sounds fabulous. Yeah. Maybe. And maybe, yeah, maybe in a few months time, just before Christmas, maybe that would be a good thing just to see where everything's at. Yeah. That'd be great. Yeah. I'd love that. And that was one of my main reasons for rolling over because I didn't hear a thing from anybody from host plus. Sounds great. Thank you, Tommy. Thanks. You too. 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Oh, that sounds so much better. I think I was calling you Jack. Oh. Oh, okay.\n\nPerfect. Yep. How are you going? Tell me I don't think yeah. I can.\n\nAnd I think we've spoken before, have we? Okay. Oh, okay. Did I have something in my diary that we were gonna talk on the fourth? Oh, no.\n\nThat would be the weekend. So, yeah, maybe not. Okay. Sorry. Go on.\n\nOf course. Certainly. So my date of birth is the '69. Address is Number 9 Haven Lane in Diamond Creek In Victoria 3089. Yes.\n\nYep. Fine. Oh, yeah. Yes. Alright.\n\nYeah. Yes. Right. Yes. Okay.\n\nOkay. Can you sorry, Tommy. Could you just remind me again what that price was for? This because this has been going on for so long. I even forget what happened.\n\nYeah. This is I didn't realize it was gonna be, like, a six month process to just roll my super over. So so what is that two for does that come out of my super every month or something for the insurances? Is that right? Oh, annual.\n\nRight. Yep. Yep. Okay. Yep.\n\nYep. 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you sorry, Tommy.","start":265.625,"end":267.945,"sentiment":"neutral","sentiment_score":-0.029549651313573122},{"text":"Could you just remind me again what that price was for?","start":267.945,"end":272.4,"sentiment":"neutral","sentiment_score":-0.049388869580897415},{"text":"This because this has been going on for so long.","start":272.4,"end":275.03998,"sentiment":"neutral","sentiment_score":-0.11430458948016167},{"text":"I even forget what happened.","start":275.03998,"end":276.81998,"sentiment":"neutral","sentiment_score":-0.14289621710777284}],"sentiment":"neutral","sentiment_score":-0.08153583854436874,"num_words":31,"start":265.305,"end":276.81998},{"sentences":[{"text":"Yeah.","start":279.12,"end":279.36,"sentiment":"neutral","sentiment_score":-0.0012616757303476334},{"text":"This is I didn't realize it was gonna be, like, a six month process to just roll my super over.","start":279.36,"end":284.74,"sentiment":"neutral","sentiment_score":-0.05351542569696903},{"text":"So so what is that two for does that come out of my super every month or something for the insurances?","start":286.215,"end":294.07498,"sentiment":"neutral","sentiment_score":0.008296304931198912},{"text":"Is that right?","start":294.29498,"end":295.195,"sentiment":"neutral","sentiment_score":0.010543151137729486},{"text":"Oh, annual.","start":297.815,"end":298.63498,"sentiment":"neutral","sentiment_score":0.01389280753210187}],"sentiment":"neutral","sentiment_score":-0.017828355694407636,"num_words":47,"start":279.12,"end":298.63498},{"sentences":[{"text":"Right.","start":299.095,"end":299.46,"sentiment":"neutral","sentiment_score":0.03200383484363556},{"text":"Yep.","start":306.9,"end":307.3,"sentiment":"neutral","sentiment_score":0.049450695514678955},{"text":"Yep.","start":307.3,"end":307.69998,"sentiment":"neutral","sentiment_score":0.04491252452135086},{"text":"Okay.","start":307.69998,"end":308.19998,"sentiment":"neutral","sentiment_score":0.05076569318771362},{"text":"Yep.","start":312.25998,"end":312.75998,"sentiment":"neutral","sentiment_score":0.07612739503383636}],"sentiment":"neutral","sentiment_score":0.050652028620243074,"num_words":5,"start":299.095,"end":312.75998},{"sentences":[{"text":"Yep.","start":318.035,"end":318.535,"sentiment":"neutral","sentiment_score":0.09639741480350494},{"text":"Oh, that's good.","start":318.75497,"end":319.655,"sentiment":"neutral","sentiment_score":0.23514612019062042},{"text":"Now one of the questions I spoke to Jack when we spoke last I don't know I don't know when that was or when we spoke last month or something maybe.","start":319.955,"end":327.25497,"sentiment":"neutral","sentiment_score":-0.017589266562173442},{"text":"I asked him why do I have to have the life insurance with Zurich when I already have my own life insurance.","start":327.50998,"end":335.12997,"sentiment":"neutral","sentiment_score":-0.04590797678313472},{"text":"So why do I have double correct.","start":336.87,"end":341.69,"sentiment":"neutral","sentiment_score":0.01642438130719321}],"sentiment":"neutral","sentiment_score":-0.009975567314540967,"num_words":64,"start":318.035,"end":341.69},{"sentences":[{"text":"Yes.","start":342.31,"end":342.81,"sentiment":"neutral","sentiment_score":0.07212601602077484},{"text":"Yep.","start":348.345,"end":348.845,"sentiment":"neutral","sentiment_score":0.03192169591784477},{"text":"Yeah.","start":385.02,"end":385.52,"sentiment":"neutral","sentiment_score":-0.0508103221654892},{"text":"That's bizarre, isn't it?","start":385.9,"end":387.5,"sentiment":"neutral","sentiment_score":-0.11976585537195206},{"text":"Well, I don't even understand why that happened.","start":387.5,"end":389.97998,"sentiment":"neutral","sentiment_score":-0.15354878176003695}],"sentiment":"neutral","sentiment_score":-0.1102810857196649,"num_words":15,"start":342.31,"end":389.97998},{"sentences":[{"text":"Anyway, that's good.","start":389.97998,"end":390.86,"sentiment":"neutral","sentiment_score":0.13437488550941148},{"text":"You've answered my question then.","start":390.86,"end":392.38,"sentiment":"neutral","sentiment_score":0.15950993001461028},{"text":"That's great.","start":392.38,"end":392.94,"sentiment":"positive","sentiment_score":0.483996719121933},{"text":"Thank you.","start":392.94,"end":393.68,"sentiment":"positive","sentiment_score":0.547131359577179},{"text":"Okay.","start":423.135,"end":423.635,"sentiment":"neutral","sentiment_score":0.13808530569076538}],"sentiment":"neutral","sentiment_score":0.2616165976684827,"num_words":13,"start":389.97998,"end":423.635},{"sentences":[{"text":"Okeydoke.","start":424.575,"end":425.075,"sentiment":"neutral","sentiment_score":0.18539021909236908},{"text":"Yep.","start":428.975,"end":429.375,"sentiment":"neutral","sentiment_score":0.15773659944534302},{"text":"Okay.","start":429.375,"end":429.875,"sentiment":"positive","sentiment_score":0.35973939299583435},{"text":"Oh, so now it's all done.","start":448.72998,"end":450.65,"sentiment":"neutral","sentiment_score":0.20734477788209915},{"text":"Is that right?","start":450.65,"end":451.485,"sentiment":"neutral","sentiment_score":0.22337928414344788}],"sentiment":"neutral","sentiment_score":0.21808939427137375,"num_words":12,"start":424.575,"end":451.485},{"sentences":[{"text":"Great.","start":455.88498,"end":456.38498,"sentiment":"positive","sentiment_score":0.8170977830886841},{"text":"Sounds fabulous.","start":456.76498,"end":457.66498,"sentiment":"positive","sentiment_score":0.8339924812316895},{"text":"Yeah.","start":477.75,"end":478.25,"sentiment":"neutral","sentiment_score":0.05621517077088356},{"text":"Maybe.","start":478.38998,"end":478.88998,"sentiment":"neutral","sentiment_score":0.05481322854757309},{"text":"And maybe, yeah, maybe in a few months time, just before Christmas, maybe that would be a good thing just to see where everything's at.","start":481.455,"end":488.915,"sentiment":"neutral","sentiment_score":0.1154074090719223}],"sentiment":"neutral","sentiment_score":0.18270987905561925,"num_words":30,"start":455.88498,"end":488.915},{"sentences":[{"text":"Yeah.","start":504.46002,"end":504.94,"sentiment":"neutral","sentiment_score":0.11517644673585892},{"text":"That'd be great.","start":504.94,"end":505.98,"sentiment":"positive","sentiment_score":0.34922361373901367},{"text":"Yeah.","start":505.98,"end":506.22,"sentiment":"neutral","sentiment_score":0.2894170582294464},{"text":"I'd love that.","start":506.22,"end":506.86002,"sentiment":"positive","sentiment_score":0.38142842054367065},{"text":"And that was one of my main reasons for rolling over because I didn't hear a thing from anybody from host plus.","start":506.86002,"end":513.995,"sentiment":"neutral","sentiment_score":0.12705254453149709}],"sentiment":"neutral","sentiment_score":0.17972351958354313,"num_words":30,"start":504.46002,"end":513.995},{"sentences":[{"text":"Sounds great.","start":535.7,"end":536.42,"sentiment":"positive","sentiment_score":0.8820943534374237},{"text":"Thank you, Tommy.","start":536.42,"end":537.32,"sentiment":"positive","sentiment_score":0.8695533275604248},{"text":"Thanks.","start":539.8129,"end":540.2129,"sentiment":"positive","sentiment_score":0.7643168568611145},{"text":"You too.","start":540.2129,"end":540.95294,"sentiment":"positive","sentiment_score":0.5991252064704895},{"text":"Bye.","start":541.0929,"end":541.5929,"sentiment":"positive","sentiment_score":0.4863668382167816}],"sentiment":"positive","sentiment_score":0.7579758663972219,"num_words":9,"start":535.7,"end":541.5929}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Robin. It's Tommy here from Home View Financial. How are you doing?\n\nChannel 1: Oh, that sounds so much better.\n\nChannel 0: Fantastic. I wanted\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: think\n\nChannel 0: try\n\nChannel 1: I\n\nChannel 0: it from\n\nChannel 1: was\n\nChannel 0: my\n\nChannel 1: calling\n\nChannel 0: headset\n\nChannel 1: you\n\nChannel 0: just\n\nChannel 1: Jack.\n\nChannel 0: in case. No. It was Jack calling you, but\n\nChannel 1: Oh.\n\nChannel 0: I also wanted to speak to you today. So I thought I'd just\n\nChannel 1: Oh,\n\nChannel 0: give you a buzz on my headset, see if that works a little bit better.\n\nChannel 1: okay. Perfect. Yep. How\n\nChannel 0: And\n\nChannel 1: are you going?\n\nChannel 0: you can\n\nChannel 1: Tell\n\nChannel 0: hear\n\nChannel 1: me\n\nChannel 0: me\n\nChannel 1: I\n\nChannel 0: loud\n\nChannel 1: don't\n\nChannel 0: and\n\nChannel 1: think\n\nChannel 0: clear?\n\nChannel 1: yeah. I can. And I think we've spoken before, have we?\n\nChannel 0: No. We haven't. I'm\n\nChannel 1: Okay.\n\nChannel 0: one of the senior advisers at Oakview Financial, and I've just been going through to review your file for that insurance application you did with Jack a little while ago.\n\nChannel 1: Oh, okay. Did I have something in my diary that we were gonna talk on the fourth?\n\nChannel 0: On the\n\nChannel 1: Oh,\n\nChannel 0: fourth\n\nChannel 1: no. That would\n\nChannel 0: of\n\nChannel 1: be the weekend. So, yeah, maybe not. Okay. Sorry. Go on.\n\nChannel 0: no. You're totally fine. Just before I jump into the details because it is sensitive information, am I okay to confirm security with you, please?\n\nChannel 1: Of course.\n\nChannel 0: Awesome. So I'm registered with Asic as adviser 1273105. You don't have a security question on file, so could I please check your date of birth and address, please?\n\nChannel 1: Certainly. So my date of birth is the '69. Address is Number 9 Haven Lane in Diamond Creek In Victoria 3089.\n\nChannel 0: Perfect. Thank you for that, Robin. And are you okay for the call to be recorded?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Perfect. Perfect. So we just have a few updates for you. And the reason for my part of the call is after you went through the medical questionnaire with Jack, we\n\nChannel 1: Yep.\n\nChannel 0: just wanted to check all bases and have it reviewed by another pair of eyes just to make sure you're gonna be left in a better position. So what I've been doing is just talking to the insurer and just looking over the advice that you were given just to make sure it's all gonna go through okay. Now good news. We checked with the insurer for the cholesterol in particular.\n\nChannel 1: Fine.\n\nChannel 0: I\n\nChannel 1: Oh,\n\nChannel 0: was\n\nChannel 1: yeah.\n\nChannel 0: just a bit concerned because it was there was a bit of recency because I think you were you had the issues around September. Is that right? Yeah. So sometimes when it's a bit recent, they can they can apply things like loadings where they make the price 50% more expensive,\n\nChannel 1: Yes.\n\nChannel 0: or\n\nChannel 1: Alright.\n\nChannel 0: they even apply, like, exclusions. So I just wanted to do a bit of field underwriting with them just to make sure that didn't happen.\n\nChannel 1: Yeah.\n\nChannel 0: Good news. They the ratings that you gave us all seemed fine. So we spoke to their senior underwriter, and he seemed like that was all perfect ratings. It all looks like it's pretty well under control. Obviously, you've been taking, you know, medication and so on, so it seems pretty stable.\n\nIs that kind of what the doctors have been saying?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So there won't be any risk of loadings or exclusions or anything like that, so that's all perfectly fine.\n\nChannel 1: Right.\n\nChannel 0: Perfect. So the other thing I did too is because you have your existing insurances with Hostplus, one of the recommendations that we gave was to replace that with this Zurich cover so we can consolidate the super across and get a better kind of underwritten policy. Does that ring a bell?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So just to check all bases, sometimes we also look at something called transfer terms. So what we do is we see if we can actually if there is any health issues, we can possibly transfer your insurances across, and sometimes it's a little bit more affordable. In this case in particular, the transfer terms was actually coming out to be around about $700 more expensive. So the policy that we actually recommended with Zurich is still the the kind of the best outcome in terms of really high policy features, and the premiums are pretty affordable too.\n\nNot too much of an impact on the super. So I'm I'm very comfortable with the advice I've just given.\n\nChannel 1: Okay.\n\nChannel 0: Cool. The only thing I wanted to let you know was that there was a bit of a jump up in the price from when we first checked it, where it was originally $2.04 $2.02, and now it's $2.07 $7.01. So before we submitted anything, I wanted to, one, check the health side, two, update some projections and make sure it wasn't gonna have too big of an impact on your super, and then just let you know that, a, the health is okay, and b, that there was a slight price difference. And I wanted to just let you know that before we submitted anything.\n\nChannel 1: Okay. Can you sorry, Tommy. Could you just remind me again what that price was for? This because this has been going on for so long. I even forget what happened.\n\nChannel 0: No. That's totally fine. So you had\n\nChannel 1: Yeah. This is I didn't realize it was gonna be, like, a six month process to just roll my super over.\n\nChannel 0: Yeah.\n\nChannel 1: So so what is that two for does that come out of my super every month or something for the insurances? Is that right?\n\nChannel 0: Yeah. So that's an annual premium, and that's\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: annual.\n\nChannel 0: to replace that's\n\nChannel 1: Right.\n\nChannel 0: annual. That's to replace the life insurance, disability insurance, and income protection that Host Plus has with you.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: So it's just a like for like switch between one to the other just to make\n\nChannel 1: Yep.\n\nChannel 0: sure that you've got, I guess, the same level of cover, but also a bit better quality under the hood.\n\nChannel 1: Yep. Oh, that's good. Now one of the questions I spoke to Jack when we spoke last I don't know I don't know when that was or when we spoke\n\nChannel 0: Yeah.\n\nChannel 1: last month or something maybe. I asked him why do I have to have the life insurance with Zurich when I already have my own life insurance.\n\nChannel 0: Good question.\n\nChannel 1: So why\n\nChannel 0: So\n\nChannel 1: do I have double\n\nChannel 0: because you have the MetLife policy that you're paying out of pocket.\n\nChannel 1: correct.\n\nChannel 0: Correct?\n\nChannel 1: Yes.\n\nChannel 0: Correct. So that was another thing that I checked as well because I was kind of going, okay. Why have two policies? But what\n\nChannel 1: Yep.\n\nChannel 0: they do is when the host bus first gave you the life and disability insurance, they link them together. So they it's like a shared pool of money, and it makes it much more affordable. It's almost like half the price to have them linked together. So when I look through the quotes as well, if you were just going to have disability and income protection, it would have actually been more expensive than having all three. So it just kinda gets you an extra an extra little few 100,000 for having it linked together, and it's kind of like, oh, it's better to have 1,300,000.0 instead of one if it's actually costing you less overall.\n\nIt's kind of one of\n\nChannel 1: Yeah.\n\nChannel 0: those little tricks.\n\nChannel 1: That's bizarre, isn't it? Well,\n\nChannel 0: It\n\nChannel 1: I don't even\n\nChannel 0: is\n\nChannel 1: understand why that happened. Anyway, that's good. You've answered my question then. That's great. Thank you.\n\nChannel 0: perfect. The one thing I will let you know is the way they do it is through something called a buyback. So if you had the two policies separate, again, it would be more expensive. But this one, when it shares the pool of money, if you were considered TPD, you're in a car accident, you can never work again, you would get your 300,000, and it would deplete your life insurance, and then they would buy it back and fill it back up again a little bit later. So that's how they can link it and make it cheaper.\n\nChannel 1: Okay.\n\nChannel 0: Cool. It's just a\n\nChannel 1: Okeydoke.\n\nChannel 0: policy feature. It's kind of the the best way to do it in the background.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Cool. So I'll send you a bit of just an updated document so you've got it in your records so it's all up to date, and you can keep that there. But that's pretty much it. I just wanted to run it by you, make sure there was not gonna be any detriment for you, and that we're all okay to submit, and and that's pretty much it.\n\nChannel 1: Oh, so now it's all done. Is that right?\n\nChannel 0: Pretty much. As long as you're comfortable with what I've said, we're good to go.\n\nChannel 1: Great. Sounds fabulous.\n\nChannel 0: Awesome. One thing we'll do too is I wanted to just quickly check with you if you wanted to have some more frequent catch ups through this year. Would you prefer a bit more of a set and forget and we'll talk around Christmas time? Or just given everything that's going on in the world, do you wanna kind of catch up in a few months' time?\n\nChannel 1: Yeah. Maybe. And maybe, yeah, maybe in a few months time, just before Christmas, maybe that would be a good thing just to see where everything's at.\n\nChannel 0: Yeah. I just wanna make sure that that first year is comfortable for you. It's performing well compared to what you were in before. And if it's doing okay compared to the markets because the world's on fire, and I wanna make sure that you know what's going on with your money as long as you're comfortable with that frequency\n\nChannel 1: Yeah.\n\nChannel 0: of contact.\n\nChannel 1: That'd be great. Yeah. I'd love that. And that was one of my main reasons for rolling over because I didn't hear a thing from anybody from host plus.\n\nChannel 0: Easy done. So what I'll do is this is all finalized now. You'll get that email with the updated document. Jack will finish off the application. You might you may need to just sign off from the provider.\n\nThey'll send you an email saying, hey. Is this all okay what these guys have submitted? Other than that, I'll pencil on a call for three months time, and we'll see how the super is going.\n\nChannel 1: Sounds great. Thank you, Tommy.\n\nChannel 0: Awesome, Robin. Have a fantastic day.\n\nChannel 1: Thanks. You too.\n\nChannel 0: Thank\n\nChannel 1: Bye.\n\nChannel 0: you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.03876522555947304}],"sentiment":"neutral","sentiment_score":0.03876522555947304,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Hi, Robin.","start":2.24,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.16136643290519714},{"text":"It's Tommy here from Home View Financial.","start":2.8799999,"end":4.56,"sentiment":"neutral","sentiment_score":0.19269642446722304},{"text":"How are you doing?","start":4.56,"end":5.38,"sentiment":"neutral","sentiment_score":0.24630346149206161}],"sentiment":"neutral","sentiment_score":0.20437089869609246,"channel":0,"num_words":13,"start":2.24,"end":5.38},{"sentences":[{"text":"Oh, that sounds so much 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fine.","start":165.72,"end":171.73999,"sentiment":"positive","sentiment_score":0.4259569307691173}],"sentiment":"positive","sentiment_score":0.4277879460936501,"channel":0,"num_words":21,"start":164.92,"end":171.73999},{"sentences":[{"text":"Right.","start":172.38,"end":172.88,"sentiment":"positive","sentiment_score":0.390783816576004}],"sentiment":"positive","sentiment_score":0.390783816576004,"channel":1,"num_words":1,"start":172.38,"end":172.88},{"sentences":[{"text":"Perfect.","start":173.31999,"end":173.8,"sentiment":"positive","sentiment_score":0.5459303855895996},{"text":"So the other thing I did too is because you have your existing insurances with Hostplus, one of the recommendations that we gave was to replace that with this Zurich cover so we can consolidate the super across and get a better kind of underwritten policy.","start":173.8,"end":190.06499,"sentiment":"neutral","sentiment_score":0.2704206277494845},{"text":"Does that ring a 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affordable.","start":197.84,"end":206.9,"sentiment":"neutral","sentiment_score":0.12512598244939},{"text":"In this case in particular, the transfer terms was actually coming out to be around about $700 more expensive.","start":208.535,"end":215.435,"sentiment":"neutral","sentiment_score":-0.1409827886443389},{"text":"So the policy that we actually recommended with Zurich is still the the kind of the best outcome in terms of really high policy features, and the premiums are pretty affordable too.","start":215.655,"end":226.72,"sentiment":"positive","sentiment_score":0.7337726000696421}],"sentiment":"neutral","sentiment_score":0.2677771853979188,"channel":0,"num_words":99,"start":192.31999,"end":226.72},{"sentences":[{"text":"Not too much of an impact on the super.","start":226.86,"end":228.70001,"sentiment":"positive","sentiment_score":0.36510278284549713},{"text":"So I'm I'm very comfortable with the advice I've just 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wasn't gonna have too big of an impact on your super, and then just let you know that, a, the health is okay, and b, that there was a slight price difference.","start":244.315,"end":261.05,"sentiment":"neutral","sentiment_score":-0.029831870696243813},{"text":"And I wanted to just let you know that before we submitted anything.","start":261.05,"end":263.875,"sentiment":"neutral","sentiment_score":-0.0150394389549127}],"sentiment":"neutral","sentiment_score":-0.026842230671735585,"channel":0,"num_words":106,"start":233.27501,"end":263.875},{"sentences":[{"text":"Okay.","start":265.305,"end":265.625,"sentiment":"neutral","sentiment_score":-0.008607843890786171},{"text":"Can you sorry, Tommy.","start":265.625,"end":267.945,"sentiment":"neutral","sentiment_score":-0.029549651313573122},{"text":"Could you just remind me again what that price was for?","start":267.945,"end":272.4,"sentiment":"neutral","sentiment_score":-0.049388869580897415},{"text":"This because this has been going on for so long.","start":272.4,"end":275.03998,"sentiment":"neutral","sentiment_score":-0.11430458948016167},{"text":"I even forget what happened.","start":275.03998,"end":276.81998,"sentiment":"neutral","sentiment_score":-0.14289621710777284}],"sentiment":"neutral","sentiment_score":-0.08153583854436874,"channel":1,"num_words":31,"start":265.305,"end":276.81998},{"sentences":[{"text":"No.","start":277.07,"end":277.31,"sentiment":"neutral","sentiment_score":-0.05902539938688278},{"text":"That's totally fine.","start":277.31,"end":278.35,"sentiment":"neutral","sentiment_score":-0.01111309789121151},{"text":"So you had","start":278.35,"end":279.31,"sentiment":"neutral","sentiment_score":0.0029726543774207435}],"sentiment":"neutral","sentiment_score":-0.011920961418322154,"channel":0,"num_words":7,"start":277.07,"end":279.31},{"sentences":[{"text":"Yeah.","start":279.12,"end":279.36,"sentiment":"neutral","sentiment_score":-0.0012616757303476334},{"text":"This is I didn't realize it was gonna be, like, a six month process to just roll my super over.","start":279.36,"end":284.74,"sentiment":"neutral","sentiment_score":-0.05351542569696903}],"sentiment":"neutral","sentiment_score":-0.05102715188903468,"channel":1,"num_words":21,"start":279.12,"end":284.74},{"sentences":[{"text":"Yeah.","start":285.80502,"end":286.30502,"sentiment":"neutral","sentiment_score":-0.00451187789440155}],"sentiment":"neutral","sentiment_score":-0.00451187789440155,"channel":0,"num_words":1,"start":285.80502,"end":286.30502},{"sentences":[{"text":"So so what is that two for does that come out of my super every month or something for the insurances?","start":286.215,"end":294.07498,"sentiment":"neutral","sentiment_score":0.008296304931198912},{"text":"Is that right?","start":294.29498,"end":295.195,"sentiment":"neutral","sentiment_score":0.010543151137729486}],"sentiment":"neutral","sentiment_score":0.008577160707015233,"channel":1,"num_words":24,"start":286.215,"end":295.195},{"sentences":[{"text":"Yeah.","start":295.325,"end":295.64502,"sentiment":"neutral","sentiment_score":0.011297770775854588},{"text":"So that's an annual premium, and 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that's","start":298.285,"end":299.405,"sentiment":"neutral","sentiment_score":0.011061040684580803}],"sentiment":"neutral","sentiment_score":0.011061040684580803,"channel":0,"num_words":3,"start":298.285,"end":299.405},{"sentences":[{"text":"Right.","start":299.095,"end":299.46,"sentiment":"neutral","sentiment_score":0.03200383484363556}],"sentiment":"neutral","sentiment_score":0.03200383484363556,"channel":1,"num_words":1,"start":299.095,"end":299.46},{"sentences":[{"text":"annual.","start":299.405,"end":299.905,"sentiment":"neutral","sentiment_score":0.041065607219934464},{"text":"That's to replace the life insurance, disability insurance, and income protection that Host Plus has with you.","start":300.38998,"end":306.65,"sentiment":"neutral","sentiment_score":0.06851034567636602}],"sentiment":"neutral","sentiment_score":0.06698563798434204,"channel":0,"num_words":18,"start":299.405,"end":306.65},{"sentences":[{"text":"Yep.","start":306.9,"end":307.3,"sentiment":"neutral","sentiment_score":0.049450695514678955},{"text":"Yep.","start":307.3,"end":307.69998,"sentiment":"neutral","sentiment_score":0.04491252452135086},{"text":"Okay.","start":307.69998,"end":308.19998,"sentiment":"neutral","sentiment_score":0.05076569318771362}],"sentiment":"neutral","sentiment_score":0.04837630440791448,"channel":1,"num_words":3,"start":306.9,"end":308.19998},{"sentences":[{"text":"So it's just a like for like switch between one to the other just to 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good.","start":318.75497,"end":319.655,"sentiment":"neutral","sentiment_score":0.23514612019062042},{"text":"Now one of the questions I spoke to Jack when we spoke last I don't know I don't know when that was or when we spoke","start":319.955,"end":325.715,"sentiment":"neutral","sentiment_score":-0.017129928160172243}],"sentiment":"neutral","sentiment_score":0.01188192144036293,"channel":1,"num_words":30,"start":318.035,"end":325.715},{"sentences":[{"text":"Yeah.","start":325.41,"end":325.91,"sentiment":"neutral","sentiment_score":-0.009322360157966614}],"sentiment":"neutral","sentiment_score":-0.009322360157966614,"channel":0,"num_words":1,"start":325.41,"end":325.91},{"sentences":[{"text":"last month or something maybe.","start":325.715,"end":327.25497,"sentiment":"neutral","sentiment_score":-0.01997782625257969},{"text":"I asked him why do I have to have the life insurance with Zurich when I already have my own life 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that was another thing that I checked as well because I was kind of going, okay.","start":342.97498,"end":346.41498,"sentiment":"neutral","sentiment_score":0.030183126930804813},{"text":"Why have two policies?","start":346.41498,"end":347.63498,"sentiment":"neutral","sentiment_score":-0.020420065615326166},{"text":"But what","start":348.095,"end":348.57498,"sentiment":"neutral","sentiment_score":0.0036496538668870926}],"sentiment":"neutral","sentiment_score":0.021282927909245093,"channel":0,"num_words":24,"start":342.41498,"end":348.57498},{"sentences":[{"text":"Yep.","start":348.345,"end":348.845,"sentiment":"neutral","sentiment_score":0.03192169591784477}],"sentiment":"neutral","sentiment_score":0.03192169591784477,"channel":1,"num_words":1,"start":348.345,"end":348.845},{"sentences":[{"text":"they do is when the host bus first gave you the life and disability insurance, they link them together.","start":348.57498,"end":354.33002,"sentiment":"neutral","sentiment_score":0.06183269051344771},{"text":"So they it's like a shared pool of money, and it makes it much more affordable.","start":354.71002,"end":359.03,"sentiment":"neutral","sentiment_score":0.17902637366205454},{"text":"It's almost like half the price to have them linked together.","start":359.03,"end":362.25,"sentiment":"neutral","sentiment_score":0.11586590653116052},{"text":"So when I look through the quotes as well, if you were just going to have disability and income protection, it would have actually been more expensive than having all three.","start":362.39,"end":371.415,"sentiment":"neutral","sentiment_score":-0.06893677913373517},{"text":"So it just kinda gets you an extra an extra little few 100,000 for having it linked together, and it's kind of like, oh, it's better to have 1,300,000.0 instead of one if it's actually costing you less 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bizarre, isn't it?","start":385.9,"end":387.5,"sentiment":"neutral","sentiment_score":-0.11976585537195206},{"text":"Well,","start":387.5,"end":387.82,"sentiment":"neutral","sentiment_score":-0.06454203277826309}],"sentiment":"neutral","sentiment_score":-0.10872109085321427,"channel":1,"num_words":5,"start":385.9,"end":387.82},{"sentences":[{"text":"It","start":387.77,"end":388.27,"sentiment":"neutral","sentiment_score":-0.12897977232933044}],"sentiment":"neutral","sentiment_score":-0.12897977232933044,"channel":0,"num_words":1,"start":387.77,"end":388.27},{"sentences":[{"text":"I don't 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later.","start":403.755,"end":419.08002,"sentiment":"neutral","sentiment_score":-0.08735956831110848},{"text":"So that's how they can link it and make it cheaper.","start":419.22,"end":422.12,"sentiment":"neutral","sentiment_score":0.04199125177480958}],"sentiment":"neutral","sentiment_score":-0.041758189108222724,"channel":0,"num_words":100,"start":393.53,"end":422.12},{"sentences":[{"text":"Okay.","start":423.135,"end":423.635,"sentiment":"neutral","sentiment_score":0.13808530569076538}],"sentiment":"neutral","sentiment_score":0.13808530569076538,"channel":1,"num_words":1,"start":423.135,"end":423.635},{"sentences":[{"text":"Cool.","start":423.94,"end":424.18002,"sentiment":"neutral","sentiment_score":0.22807130217552185},{"text":"It's just a","start":424.18002,"end":424.66,"sentiment":"neutral","sentiment_score":0.17564853032430014}],"sentiment":"neutral","sentiment_score":0.18875422328710556,"channel":0,"num_words":4,"start":423.94,"end":424.66},{"sentences":[{"text":"Okeydoke.","start":424.575,"end":425.075,"sentiment":"neutral","sentiment_score":0.18539021909236908}],"sentiment":"neutral","sentiment_score":0.18539021909236908,"channel":1,"num_words":1,"start":424.575,"end":425.075},{"sentences":[{"text":"policy feature.","start":424.66,"end":425.38,"sentiment":"neutral","sentiment_score":0.1990799382328987},{"text":"It's kind of the the best way to do it in the background.","start":425.38,"end":428.28,"sentiment":"neutral","sentiment_score":0.13762724342254493}],"sentiment":"neutral","sentiment_score":0.14582093606392543,"channel":0,"num_words":15,"start":424.66,"end":428.28},{"sentences":[{"text":"Yep.","start":428.975,"end":429.375,"sentiment":"neutral","sentiment_score":0.15773659944534302},{"text":"Okay.","start":429.375,"end":429.875,"sentiment":"positive","sentiment_score":0.35973939299583435}],"sentiment":"neutral","sentiment_score":0.2587379962205887,"channel":1,"num_words":2,"start":428.975,"end":429.875},{"sentences":[{"text":"Cool.","start":430.415,"end":430.915,"sentiment":"positive","sentiment_score":0.4878348708152771},{"text":"So I'll send you a bit of just an updated document so you've got it in your records so it's all up to date, and you can keep that there.","start":431.535,"end":438.01498,"sentiment":"neutral","sentiment_score":0.30019074777762095},{"text":"But that's pretty much it.","start":438.01498,"end":439.215,"sentiment":"neutral","sentiment_score":0.1866473972797394},{"text":"I just wanted to run it by you, make sure there was not gonna be any detriment for you, and that we're all okay to submit, and and that's pretty much it.","start":439.215,"end":448.0,"sentiment":"neutral","sentiment_score":0.3098864469793625}],"sentiment":"neutral","sentiment_score":0.2991641263806206,"channel":0,"num_words":68,"start":430.415,"end":448.0},{"sentences":[{"text":"Oh, so now it's all done.","start":448.72998,"end":450.65,"sentiment":"neutral","sentiment_score":0.20734477788209915},{"text":"Is that right?","start":450.65,"end":451.485,"sentiment":"neutral","sentiment_score":0.22337928414344788}],"sentiment":"neutral","sentiment_score":0.21268961330254874,"channel":1,"num_words":9,"start":448.72998,"end":451.485},{"sentences":[{"text":"Pretty much.","start":451.74002,"end":452.30002,"sentiment":"positive","sentiment_score":0.410337895154953},{"text":"As long as you're comfortable with what I've said, we're good to go.","start":452.30002,"end":455.475,"sentiment":"positive","sentiment_score":0.46283340683350194}],"sentiment":"positive","sentiment_score":0.4558340052763621,"channel":0,"num_words":15,"start":451.74002,"end":455.475},{"sentences":[{"text":"Great.","start":455.88498,"end":456.38498,"sentiment":"positive","sentiment_score":0.8170977830886841},{"text":"Sounds fabulous.","start":456.76498,"end":457.66498,"sentiment":"positive","sentiment_score":0.8339924812316895}],"sentiment":"positive","sentiment_score":0.828360915184021,"channel":1,"num_words":3,"start":455.88498,"end":457.66498},{"sentences":[{"text":"Awesome.","start":458.195,"end":458.595,"sentiment":"positive","sentiment_score":0.6519573926925659},{"text":"One thing we'll do too is I wanted to just quickly check with you if you wanted to have some more frequent catch ups through this year.","start":458.595,"end":465.89502,"sentiment":"neutral","sentiment_score":0.17645840457192175},{"text":"Would you prefer a bit more of a set and forget and we'll talk around Christmas time?","start":466.115,"end":470.75,"sentiment":"neutral","sentiment_score":0.07593282049193102},{"text":"Or just given everything that's going on in the world, do you wanna kind of catch up in a few months' time?","start":470.81,"end":475.23,"sentiment":"neutral","sentiment_score":0.0633243832059882}],"sentiment":"neutral","sentiment_score":0.12090042828401523,"channel":0,"num_words":67,"start":458.195,"end":475.23},{"sentences":[{"text":"Yeah.","start":477.75,"end":478.25,"sentiment":"neutral","sentiment_score":0.05621517077088356},{"text":"Maybe.","start":478.38998,"end":478.88998,"sentiment":"neutral","sentiment_score":0.05481322854757309},{"text":"And maybe, yeah, maybe in a few months time, just before Christmas, maybe that would be a good thing just to see where everything's at.","start":481.455,"end":488.915,"sentiment":"neutral","sentiment_score":0.1154074090719223}],"sentiment":"neutral","sentiment_score":0.11097087504135238,"channel":1,"num_words":27,"start":477.75,"end":488.915},{"sentences":[{"text":"Yeah.","start":489.14502,"end":489.465,"sentiment":"neutral","sentiment_score":0.1560674011707306},{"text":"I just wanna make sure that that first year is comfortable for you.","start":489.465,"end":492.605,"sentiment":"neutral","sentiment_score":0.25899465725972104},{"text":"It's performing well compared to what you were in before.","start":492.665,"end":495.565,"sentiment":"positive","sentiment_score":0.3765824317932129},{"text":"And if it's doing okay compared to the markets because the world's on fire, and I wanna make sure that you know what's going on with your money as long as you're comfortable with that frequency","start":495.99,"end":504.49,"sentiment":"neutral","sentiment_score":0.1916408319440153}],"sentiment":"neutral","sentiment_score":0.23646487022439638,"channel":0,"num_words":60,"start":489.14502,"end":504.49},{"sentences":[{"text":"Yeah.","start":504.46002,"end":504.94,"sentiment":"neutral","sentiment_score":0.11517644673585892}],"sentiment":"neutral","sentiment_score":0.11517644673585892,"channel":1,"num_words":1,"start":504.46002,"end":504.94},{"sentences":[{"text":"of contact.","start":504.63,"end":505.37,"sentiment":"neutral","sentiment_score":0.10354399681091309}],"sentiment":"neutral","sentiment_score":0.10354399681091309,"channel":0,"num_words":2,"start":504.63,"end":505.37},{"sentences":[{"text":"That'd be great.","start":504.94,"end":505.98,"sentiment":"positive","sentiment_score":0.34922361373901367},{"text":"Yeah.","start":505.98,"end":506.22,"sentiment":"neutral","sentiment_score":0.2894170582294464},{"text":"I'd love that.","start":506.22,"end":506.86002,"sentiment":"positive","sentiment_score":0.38142842054367065},{"text":"And that was one of my main reasons for rolling over because I didn't hear a thing from anybody from host plus.","start":506.86002,"end":513.995,"sentiment":"neutral","sentiment_score":0.12705254453149709}],"sentiment":"neutral","sentiment_score":0.1819492807162219,"channel":1,"num_words":29,"start":504.94,"end":513.995},{"sentences":[{"text":"Easy done.","start":514.485,"end":515.125,"sentiment":"neutral","sentiment_score":0.32133649289608},{"text":"So what I'll do is this is all finalized now.","start":515.125,"end":517.925,"sentiment":"neutral","sentiment_score":0.20621735006570815},{"text":"You'll get that email with the updated document.","start":517.925,"end":520.185,"sentiment":"neutral","sentiment_score":0.18738697282969952},{"text":"Jack will finish off the application.","start":520.485,"end":522.185,"sentiment":"neutral","sentiment_score":0.1600971631705761},{"text":"You might you may need to just sign off from the provider.","start":522.74,"end":525.86,"sentiment":"neutral","sentiment_score":0.06614405879129966}],"sentiment":"neutral","sentiment_score":0.15679615667383923,"channel":0,"num_words":38,"start":514.485,"end":525.86},{"sentences":[{"text":"They'll send you an email saying, hey.","start":525.86,"end":527.37994,"sentiment":"neutral","sentiment_score":0.15841470445905412},{"text":"Is this all okay what these guys have submitted?","start":527.37994,"end":529.56,"sentiment":"neutral","sentiment_score":0.1722438500987159},{"text":"Other than that, I'll pencil on a call for three months time, and we'll see how the super is going.","start":530.33997,"end":535.32294,"sentiment":"neutral","sentiment_score":0.24188219867646693}],"sentiment":"neutral","sentiment_score":0.20824282098975447,"channel":0,"num_words":36,"start":525.86,"end":535.32294},{"sentences":[{"text":"Sounds great.","start":535.7,"end":536.42,"sentiment":"positive","sentiment_score":0.8820943534374237},{"text":"Thank you, Tommy.","start":536.42,"end":537.32,"sentiment":"positive","sentiment_score":0.8695533275604248}],"sentiment":"positive","sentiment_score":0.8745697379112244,"channel":1,"num_words":5,"start":535.7,"end":537.32},{"sentences":[{"text":"Awesome, Robin.","start":537.5629,"end":538.28296,"sentiment":"positive","sentiment_score":0.8746142685413361},{"text":"Have a fantastic day.","start":538.28296,"end":539.58295,"sentiment":"positive","sentiment_score":0.8197534680366516}],"sentiment":"positive","sentiment_score":0.8380404015382131,"channel":0,"num_words":6,"start":537.5629,"end":539.58295},{"sentences":[{"text":"Thanks.","start":539.8129,"end":540.2129,"sentiment":"positive","sentiment_score":0.7643168568611145},{"text":"You too.","start":540.2129,"end":540.95294,"sentiment":"positive","sentiment_score":0.5991252064704895}],"sentiment":"positive","sentiment_score":0.6541890899340311,"channel":1,"num_words":3,"start":539.8129,"end":540.95294},{"sentences":[{"text":"Thank","start":541.08295,"end":541.32294,"sentiment":"positive","sentiment_score":0.6109731793403625}],"sentiment":"positive","sentiment_score":0.6109731793403625,"channel":0,"num_words":1,"start":541.08295,"end":541.32294},{"sentences":[{"text":"Bye.","start":541.0929,"end":541.5929,"sentiment":"positive","sentiment_score":0.4863668382167816}],"sentiment":"positive","sentiment_score":0.4863668382167816,"channel":1,"num_words":1,"start":541.0929,"end":541.5929},{"sentences":[{"text":"you.","start":541.32294,"end":541.64294,"sentiment":"positive","sentiment_score":0.4652590751647949},{"text":"Bye.","start":541.64294,"end":542.14294,"sentiment":"neutral","sentiment_score":-0.08010212332010269}],"sentiment":"neutral","sentiment_score":0.19257847592234612,"channel":0,"num_words":2,"start":541.32294,"end":542.14294}]},"summary":{"result":"success","short":" Home View Financial updates Robin on their insurance application, including transferring insurances and transferring to Hostplus. They also discuss the benefits of a transfer term and explain their use of transfer terms to consolidate policies. The agent explains that annual premiums will be replaced with their current premium and that the insurance will be linked together to make it cheaper. The customer is given a call for three months to check on their application status."},"intents":{"segments":[{"text":"one of the senior advisers at Oakview Financial, and I've just been going through to review your file for that insurance application you did with Jack a little while ago. Oh, okay.","start_word":112,"end_word":143,"intents":[{"intent":"Review insurance application","confidence_score":0.040140152}]},{"text":"So sometimes when it's a bit recent, they can they can apply things like loadings where they make the price 50% more expensive, Yes.","start_word":409,"end_word":432,"intents":[{"intent":"Compare insurance rates","confidence_score":0.07975117}]},{"text":"So why So do I have double because you have the MetLife policy that you're paying out of pocket. correct. Correct?","start_word":1042,"end_word":1062,"intents":[{"intent":"Clarify policy benefits","confidence_score":0.04177093}]},{"text":"Oh, so now it's all done. Is that right? Pretty much.","start_word":1431,"end_word":1441,"intents":[{"intent":"Confirm acceptance","confidence_score":0.019426461},{"intent":"Confirm eligibility","confidence_score":0.02609377}]},{"text":"As long as you're comfortable with what I've said, we're good to go. Great. Sounds fabulous.","start_word":1442,"end_word":1457,"intents":[{"intent":"Confirm understanding","confidence_score":0.010874219}]},{"text":"One thing we'll do too is I wanted to just quickly check with you if you wanted to have some more frequent catch ups through this year. Would you prefer a bit more of a set and forget and we'll talk around Christmas time? Or just given everything that's going on in the world, do you wanna kind of catch up in a few months' time? Yeah.","start_word":1459,"end_word":1525,"intents":[{"intent":"Request frequent catch ups","confidence_score":0.011621283}]},{"text":"Is this all okay what these guys have submitted?","start_word":1689,"end_word":1697,"intents":[{"intent":"Confirm submission","confidence_score":0.21133639}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Robin. It's Tommy here from Home View Financial. How are you doing?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18461430072784424},{"text":"Oh, that sounds so much better. Fantastic.","start_word":14,"end_word":20,"sentiment":"positive","sentiment_score":0.5913376808166504},{"text":"I wanted I to think try it I from was my headset calling you just Jack. in case. No. It was Jack calling you, but Oh. I also wanted to speak to you today. So I thought I'd just Oh, give you a buzz on my headset, see if that works a little bit better. okay.","start_word":21,"end_word":76,"sentiment":"neutral","sentiment_score":0.09146995842456818},{"text":"Perfect.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.35722818970680237},{"text":"Yep. How And are you going? you can Tell hear me me I loud don't and think clear? yeah. I can. And I think we've spoken before, have we? No. We haven't. I'm Okay. one of the senior advisers at Oakview Financial, and I've just been going through to review your file for that insurance application you did with Jack a little while ago. Oh, okay. Did I have something in my diary that we were gonna talk on the fourth? On the Oh, fourth no. That would of be the weekend. So, yeah, maybe not. Okay. Sorry. Go on. no. You're totally fine. Just before I jump into the details because it is sensitive information, am I okay to confirm security with you, please? Of course. Awesome. So I'm registered with Asic as adviser 1273105. You don't have a security question on file, so could I please check your date of birth and address, please? Certainly. So my date of birth is the '69. Address is Number 9 Haven Lane in Diamond Creek In Victoria 3089.","start_word":78,"end_word":254,"sentiment":"neutral","sentiment_score":0.00011416064808145164},{"text":"Perfect. Thank you for that, Robin.","start_word":255,"end_word":260,"sentiment":"positive","sentiment_score":0.4961143732070923},{"text":"And are you okay for the call to be recorded? Yes.","start_word":261,"end_word":271,"sentiment":"neutral","sentiment_score":0.1799125075340271},{"text":"Perfect. Perfect. Perfect.","start_word":272,"end_word":274,"sentiment":"positive","sentiment_score":0.3855057656764984},{"text":"So we just have a few updates for you. And the reason for my part of the call is after you went through the medical questionnaire with Jack, we Yep. just wanted to check all bases and have it reviewed by another pair of eyes just to make sure you're gonna be left in a better position. So what I've been doing is just talking to the insurer and just looking over the advice that you were given just to make sure it's all gonna go through okay.","start_word":275,"end_word":362,"sentiment":"neutral","sentiment_score":0.14770185659554871},{"text":"Now good news.","start_word":363,"end_word":365,"sentiment":"positive","sentiment_score":0.5352597236633301},{"text":"We checked with the insurer for the cholesterol in particular. Fine. I Oh, was yeah. just a bit concerned because it was there was a bit of recency because I think you were you had the issues around September. Is that right? Yeah. So sometimes when it's a bit recent, they can they can apply things like loadings where they make the price 50% more expensive, Yes. or Alright. they even apply, like, exclusions. So I just wanted to do a bit of field underwriting with them just to make sure that didn't happen. Yeah.","start_word":366,"end_word":460,"sentiment":"neutral","sentiment_score":-0.047289956361055374},{"text":"Good news. They the ratings that you gave us all seemed fine. So we spoke to their senior underwriter, and he seemed like that was all perfect ratings. It all looks like it's pretty well under control. Obviously, you've been taking, you know, medication and so on, so it seems pretty stable.","start_word":461,"end_word":512,"sentiment":"positive","sentiment_score":0.5121774673461914},{"text":"Is that kind of what the doctors have been saying? Yes. Yep.","start_word":513,"end_word":524,"sentiment":"neutral","sentiment_score":0.24657930433750153},{"text":"Perfect. So there won't be any risk of loadings or exclusions or anything like that, so that's all perfectly fine. Right. Perfect.","start_word":525,"end_word":546,"sentiment":"positive","sentiment_score":0.44128334522247314},{"text":"So the other thing I did too is because you have your existing insurances with Hostplus, one of the recommendations that we gave was to replace that with this Zurich cover so we can consolidate the super across and get a better kind of underwritten policy. Does that ring a bell? Yes.","start_word":547,"end_word":598,"sentiment":"neutral","sentiment_score":0.2537398636341095},{"text":"Perfect.","start_word":599,"end_word":599,"sentiment":"positive","sentiment_score":0.39973241090774536},{"text":"So just to check all bases, sometimes we also look at something called transfer terms. So what we do is we see if we can actually if there is any health issues, we can possibly transfer your insurances across, and sometimes it's a little bit more affordable. In this case in particular, the transfer terms was actually coming out to be around about $700 more expensive.","start_word":600,"end_word":665,"sentiment":"neutral","sentiment_score":0.04507402330636978},{"text":"So the policy that we actually recommended with Zurich is still the the kind of the best outcome in terms of really high policy features, and the premiums are pretty affordable too. Not too much of an impact on the super. So I'm I'm very comfortable with the advice I've just given.","start_word":666,"end_word":717,"sentiment":"positive","sentiment_score":0.6353747844696045},{"text":"Okay.","start_word":718,"end_word":718,"sentiment":"neutral","sentiment_score":0.28875988721847534},{"text":"Cool.","start_word":719,"end_word":719,"sentiment":"positive","sentiment_score":0.3434365689754486},{"text":"The only thing I wanted to let you know was that there was a bit of a jump up in the price from when we first checked it, where it was originally $2.04 $2.02, and now it's $2.07 $7.01. So before we submitted anything, I wanted to, one, check the health side, two, update some projections and make sure it wasn't gonna have too big of an impact on your super, and then just let you know that, a, the health is okay, and b, that there was a slight price difference. And I wanted to just let you know that before we submitted anything. Okay. Can you sorry, Tommy. Could you just remind me again what that price was for? This because this has been going on for so long. I even forget what happened. No. That's totally fine. So you had Yeah. This is I didn't realize it was gonna be, like, a six month process to just roll my super over. Yeah. So so what is that two for does that come out of my super every month or something for the insurances? Is that right? Yeah. So that's an annual premium, and that's Oh, just annual. to replace that's Right. annual. That's to replace the life insurance, disability insurance, and income protection that Host Plus has with you. Yep. Yep. Okay. So it's just a like for like switch between one to the other just to make Yep. sure that you've got, I guess, the same level of cover, but also a bit better quality under the hood. Yep. Oh, that's good. Now one of the questions I spoke to Jack when we spoke last I don't know I don't know when that was or when we spoke Yeah. last month or something maybe. I asked him why do I have to have the life insurance with Zurich when I already have my own life insurance. Good question. So why So do I have double because you have the MetLife policy that you're paying out of pocket. correct. Correct? Yes. Correct. So that was another thing that I checked as well because I was kind of going, okay. Why have two policies? But what Yep. they do is when the host bus first gave you the life and disability insurance, they link them together. So they it's like a shared pool of money, and it makes it much more affordable. It's almost like half the price to have them linked together. So when I look through the quotes as well, if you were just going to have disability and income protection, it would have actually been more expensive than having all three. So it just kinda gets you an extra an extra little few 100,000 for having it linked together, and it's kind of like, oh, it's better to have 1,300,000.0 instead of one if it's actually costing you less overall. It's kind of one of Yeah. those little tricks. That's bizarre, isn't it? Well, It I don't even is understand why that happened. Anyway, that's good. You've answered my question then.","start_word":720,"end_word":1235,"sentiment":"neutral","sentiment_score":0.003228878554471366},{"text":"That's great. Thank you. perfect.","start_word":1236,"end_word":1240,"sentiment":"positive","sentiment_score":0.4713127613067627},{"text":"The one thing I will let you know is the way they do it is through something called a buyback. So if you had the two policies separate, again, it would be more expensive. But this one, when it shares the pool of money, if you were considered TPD, you're in a car accident, you can never work again, you would get your 300,000, and it would deplete your life insurance, and then they would buy it back and fill it back up again a little bit later. So that's how they can link it and make it cheaper. Okay. Cool. It's just a Okeydoke. policy feature. It's kind of the the best way to do it in the background. Yep.","start_word":1241,"end_word":1361,"sentiment":"neutral","sentiment_score":0.0006279730053295281},{"text":"Okay. Cool.","start_word":1362,"end_word":1363,"sentiment":"positive","sentiment_score":0.4237871170043946},{"text":"So I'll send you a bit of just an updated document so you've got it in your records so it's all up to date, and you can keep that there. But that's pretty much it. I just wanted to run it by you, make sure there was not gonna be any detriment for you, and that we're all okay to submit, and and that's pretty much it. Oh, so now it's all done. Is that right?","start_word":1364,"end_word":1439,"sentiment":"neutral","sentiment_score":0.28132760524749756},{"text":"Pretty much. As long as you're comfortable with what I've said, we're good to go. Great. Sounds fabulous. Awesome.","start_word":1440,"end_word":1458,"sentiment":"positive","sentiment_score":0.5362556576728821},{"text":"One thing we'll do too is I wanted to just quickly check with you if you wanted to have some more frequent catch ups through this year. Would you prefer a bit more of a set and forget and we'll talk around Christmas time? Or just given everything that's going on in the world, do you wanna kind of catch up in a few months' time? Yeah. Maybe. And maybe, yeah, maybe in a few months time, just before Christmas, maybe that would be a good thing just to see where everything's at. Yeah. I just wanna make sure that that first year is comfortable for you.","start_word":1459,"end_word":1565,"sentiment":"neutral","sentiment_score":0.12748971581459043},{"text":"It's performing well compared to what you were in before.","start_word":1566,"end_word":1575,"sentiment":"positive","sentiment_score":0.3776470422744751},{"text":"And if it's doing okay compared to the markets because the world's on fire, and I wanna make sure that you know what's going on with your money as long as you're comfortable with that frequency Yeah. of contact.","start_word":1576,"end_word":1614,"sentiment":"neutral","sentiment_score":0.183430477976799},{"text":"That'd be great.","start_word":1615,"end_word":1617,"sentiment":"positive","sentiment_score":0.3533199727535248},{"text":"Yeah.","start_word":1618,"end_word":1618,"sentiment":"neutral","sentiment_score":0.2894170582294464},{"text":"I'd love that.","start_word":1619,"end_word":1621,"sentiment":"positive","sentiment_score":0.35905903577804565},{"text":"And that was one of my main reasons for rolling over because I didn't hear a thing from anybody from host plus. Easy done. So what I'll do is this is all finalized now. You'll get that email with the updated document. Jack will finish off the application. You might you may need to just sign off from the provider. They'll send you an email saying, hey. Is this all okay what these guys have submitted? Other than that, I'll pencil on a call for three months time, and we'll see how the super is going.","start_word":1622,"end_word":1717,"sentiment":"neutral","sentiment_score":0.17126409647365412},{"text":"Sounds great. Thank you, Tommy. Awesome, Robin. Have a fantastic day. Thanks. You too. Thank Bye. you.","start_word":1718,"end_word":1734,"sentiment":"positive","sentiment_score":0.7469608187675476},{"text":"Bye.","start_word":1735,"end_word":1735,"sentiment":"neutral","sentiment_score":0.2790774703025818}],"average":{"sentiment":"neutral","sentiment_score":0.1251416523161233}}}}