{"metadata":{"transaction_key":"deprecated","request_id":"cd2a94f4-526b-4faa-8ef4-7ac3f4736dea","sha256":"85e55b6c6a7d1c9b147c1d7d01d4d138394009e11f8cae433e525a2c24504fec","created":"2026-03-26T05:09:14.573Z","duration":217.79994,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":719,"output_tokens":79},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":771,"output_tokens":773},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":771,"output_tokens":81}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Adam. Larissa from Oakview Financial. How are you going? I had you scheduled in to go through your personal statement for your insurance application this afternoon? Now is still a good time to do that? Yeah. Cool. Before we jump into it, I do, I guess, wanna introduce myself. So my name is Larissa. I'm the head of financial advice. I was getting everything ready for my team to do the application today following the advice that said he gave you. And I just noticed a couple of, I guess I guess, alternatives that we could look at with the insurance. Previously, we'd recommended TAL, and I actually know that for your occupation that MetLife does do a lot better rating. And I was actually able to save you quite a bit on the policy just maneuvering it around a little bit. So I wanted to propose an alternative and go ahead with MetLife, where the power policy was gonna cost you about $1,500 for the year. MetLife's gonna cost you about a thousand. So it's a $500 savings. Yeah. I didn't think you would be too upset at that. Yeah. Cool. Well, what I've done is I've updated the the advice document because I do need to get you to still authorize that change because, obviously, I can't just replace a product based on a conversation. But what I'm still gonna do is I'm actually gonna put you through to Maddie. She's gonna go through the application with you, but I just wanted to jump on the phone and make sure that from an advice perspective, I was explaining that we had made that change. Now I guess the biggest change that I have made is where we previously recommended 1,000,000 of life insurance and 280,000 of total permanent disability, and there was gonna be a buyback attached. So it meant that if you ever went through a TPD claim, your life insurance policy would actually decrease by $280,000 for a twelve month period, and then the policy after twelve months would pop back up to a $1,000,000. What I'm actually proposing we do is we write 1,280,000 of life insurance, 280,000 worth And then what we would do from there is what we would do from there with no buyback is that at the at the time, if you did ever go to claim for your TPD, you would claim out your TPD for 280,000, and your life insurance would just decrease to the million dollars. So same same outcome. You just don't have to go through a buyback period or, you know, be without that 280 on that life policy. So still the same outcome very, very much. It just gives you a lot better premium for you. Does that make sense? Oh, sorry. I think I've lost you there. Are you still there, Adam? Yeah. Cool. Does that all all make sense? Okay. Perfect. So what I'll do is I'll I'll I'll send the documents to you now, but I'll transfer you over to Madison, and she will be able to go through that actual application with you now. Okay? Alright. Perfect. Won't be one moment while I just transfer you over. K. Thank you.","confidence":0.99833405,"words":[{"word":"hi","start":4.16,"end":4.66,"confidence":0.9891688,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.2338123768568039},{"word":"adam","start":4.7999997,"end":5.2999997,"confidence":0.9766378,"punctuated_word":"Adam.","sentiment":"neutral","sentiment_score":0.2956678867340088},{"word":"larissa","start":5.3599997,"end":5.8399997,"confidence":0.9404918,"punctuated_word":"Larissa","sentiment":"neutral","sentiment_score":0.2020719349384308},{"word":"from","start":5.8399997,"end":6.08,"confidence":0.9914725,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.32074451446533203},{"word":"oakview","start":6.08,"end":6.3199997,"confidence":0.68610346,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.30423104763031006},{"word":"financial","start":6.3199997,"end":6.7999997,"confidence":0.99714243,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.26563239097595215},{"word":"how","start":6.7999997,"end":6.96,"confidence":0.9999162,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.35844093561172485},{"word":"are","start":6.96,"end":7.12,"confidence":0.97899526,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.33373942971229553},{"word":"you","start":7.12,"end":7.2,"confidence":0.99922585,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33545801043510437},{"word":"going","start":7.2,"end":7.7,"confidence":0.9854646,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.31125912070274353},{"word":"i","start":11.12,"end":11.62,"confidence":0.7222751,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1029973402619362},{"word":"had","start":12.08,"end":12.32,"confidence":0.5744191,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.13679513335227966},{"word":"you","start":12.32,"end":12.559999,"confidence":0.9875101,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06209515035152435},{"word":"scheduled","start":12.559999,"end":13.059999,"confidence":0.98889136,"punctuated_word":"scheduled","sentiment":"neutral","sentiment_score":0.16908420622348783},{"word":"in","start":13.12,"end":13.5199995,"confidence":0.97419,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13547010719776154},{"word":"to","start":13.5199995,"end":13.92,"confidence":0.9994072,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11159930378198624},{"word":"go","start":13.92,"end":14.16,"confidence":0.9997421,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14642278850078583},{"word":"through","start":14.16,"end":14.639999,"confidence":0.9998803,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17887045443058014},{"word":"your","start":14.639999,"end":15.139999,"confidence":0.9997274,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14798113703727722},{"word":"personal","start":15.595,"end":15.915,"confidence":0.999744,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.17136381566524506},{"word":"statement","start":15.915,"end":16.155,"confidence":0.9952382,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.17313386499881744},{"word":"for","start":16.155,"end":16.315,"confidence":0.9967236,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.155527263879776},{"word":"your","start":16.315,"end":16.555,"confidence":0.9993293,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17641150951385498},{"word":"insurance","start":16.555,"end":17.035,"confidence":0.99984074,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.15075135231018066},{"word":"application","start":17.035,"end":17.535,"confidence":0.99975175,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.12887275218963623},{"word":"this","start":17.995,"end":18.235,"confidence":0.99767953,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13273465633392334},{"word":"afternoon","start":18.235,"end":18.735,"confidence":0.94204676,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.11104223132133484},{"word":"now","start":21.115,"end":21.355,"confidence":0.71069497,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1826913356781006},{"word":"is","start":21.355,"end":21.515,"confidence":0.6815263,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15405675768852234},{"word":"still","start":21.515,"end":21.675,"confidence":0.99790287,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2582128643989563},{"word":"a","start":21.675,"end":21.755001,"confidence":0.9985721,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29918941855430603},{"word":"good","start":21.755001,"end":21.995,"confidence":0.9999403,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.38910573720932007},{"word":"time","start":21.995,"end":22.315,"confidence":0.9997676,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.34814536571502686},{"word":"to","start":22.315,"end":22.395,"confidence":0.99942315,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3357611298561096},{"word":"do","start":22.395,"end":22.555,"confidence":0.9997886,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.31501588225364685},{"word":"that","start":22.555,"end":23.055,"confidence":0.99722886,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.2700955867767334},{"word":"yeah","start":25.035,"end":25.435001,"confidence":0.997787,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.31009161472320557},{"word":"cool","start":25.435001,"end":25.935001,"confidence":0.9998336,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.477039635181427},{"word":"before","start":25.994999,"end":26.395,"confidence":0.99955016,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":0.2958119809627533},{"word":"we","start":26.395,"end":26.475,"confidence":0.99993026,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18980631232261655},{"word":"jump","start":26.475,"end":26.715,"confidence":0.99950075,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.27280139923095703},{"word":"into","start":26.715,"end":26.955,"confidence":0.9986457,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.25691208243370056},{"word":"it","start":26.955,"end":27.455,"confidence":0.995255,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.22481591999530792},{"word":"i","start":27.83,"end":28.15,"confidence":0.9943488,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1940996944904327},{"word":"do","start":28.15,"end":28.23,"confidence":0.833278,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.17622633278369904},{"word":"i","start":28.23,"end":28.39,"confidence":0.9994135,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24692271649837497},{"word":"guess","start":28.39,"end":28.63,"confidence":0.9551188,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.24623063206672668},{"word":"wanna","start":28.63,"end":28.87,"confidence":0.9916135,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2197064757347107},{"word":"introduce","start":28.87,"end":29.19,"confidence":0.998589,"punctuated_word":"introduce","sentiment":"neutral","sentiment_score":0.1479180008172989},{"word":"myself","start":29.19,"end":29.43,"confidence":0.9885125,"punctuated_word":"myself.","sentiment":"neutral","sentiment_score":0.22317726910114288},{"word":"so","start":29.43,"end":29.51,"confidence":0.996567,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2465602159500122},{"word":"my","start":29.51,"end":29.67,"confidence":0.99630284,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2504090666770935},{"word":"name","start":29.67,"end":29.83,"confidence":0.99971884,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.19880293309688568},{"word":"is","start":29.83,"end":29.91,"confidence":0.59901226,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23795565962791443},{"word":"larissa","start":29.91,"end":30.39,"confidence":0.9283011,"punctuated_word":"Larissa.","sentiment":"neutral","sentiment_score":0.2449240684509277},{"word":"i'm","start":30.39,"end":30.55,"confidence":0.99950445,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2787032127380371},{"word":"the","start":30.55,"end":30.71,"confidence":0.9997211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23463863134384155},{"word":"head","start":30.71,"end":30.869999,"confidence":0.98059845,"punctuated_word":"head","sentiment":"positive","sentiment_score":0.3474771976470947},{"word":"of","start":30.869999,"end":30.95,"confidence":0.99886936,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28147202730178833},{"word":"financial","start":30.95,"end":31.35,"confidence":0.98955476,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.1770162731409073},{"word":"advice","start":31.35,"end":31.85,"confidence":0.98764735,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.23581787943840027},{"word":"i","start":32.63,"end":32.79,"confidence":0.94871414,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3036438822746277},{"word":"was","start":32.79,"end":33.29,"confidence":0.99983346,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.30165573954582214},{"word":"getting","start":33.51,"end":33.75,"confidence":0.99987876,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.39650604128837585},{"word":"everything","start":33.75,"end":34.15,"confidence":0.99995816,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.34965336322784424},{"word":"ready","start":34.15,"end":34.47,"confidence":0.9999397,"punctuated_word":"ready","sentiment":"positive","sentiment_score":0.4409637153148651},{"word":"for","start":34.47,"end":34.97,"confidence":0.9999186,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.46598517894744873},{"word":"my","start":35.27,"end":35.43,"confidence":0.99982834,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3704302906990051},{"word":"team","start":35.43,"end":35.67,"confidence":0.9988071,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.3159925937652588},{"word":"to","start":35.67,"end":35.83,"confidence":0.9997441,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4374091625213623},{"word":"do","start":35.83,"end":36.07,"confidence":0.99848384,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4063214957714081},{"word":"the","start":36.07,"end":36.23,"confidence":0.99976355,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4065707623958587},{"word":"application","start":36.23,"end":36.73,"confidence":0.99990714,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.29065823554992676},{"word":"today","start":36.87,"end":37.19,"confidence":0.99969566,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.30281001329421997},{"word":"following","start":37.19,"end":37.59,"confidence":0.8656129,"punctuated_word":"following","sentiment":"positive","sentiment_score":0.4256921410560608},{"word":"the","start":37.59,"end":37.75,"confidence":0.9996742,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37585869431495667},{"word":"advice","start":37.75,"end":38.15,"confidence":0.9951507,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.33312171697616577},{"word":"that","start":38.15,"end":38.309998,"confidence":0.99774194,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3219796419143677},{"word":"said","start":38.309998,"end":38.47,"confidence":0.22052151,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.29098254442214966},{"word":"he","start":38.47,"end":38.63,"confidence":0.88168633,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.3267535865306854},{"word":"gave","start":38.63,"end":38.79,"confidence":0.99565923,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.24326901137828827},{"word":"you","start":38.79,"end":39.19,"confidence":0.859553,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.26487433910369873},{"word":"and","start":39.19,"end":39.35,"confidence":0.87362534,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21042245626449585},{"word":"i","start":39.35,"end":39.43,"confidence":0.9994623,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22011244297027588},{"word":"just","start":39.43,"end":39.67,"confidence":0.9991991,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24152851104736328},{"word":"noticed","start":39.67,"end":39.989998,"confidence":0.9829904,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":0.25281187891960144},{"word":"a","start":39.989998,"end":40.07,"confidence":0.9835873,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24483278393745425},{"word":"couple","start":40.07,"end":40.39,"confidence":0.999874,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1693994253873825},{"word":"of","start":40.39,"end":40.89,"confidence":0.91684496,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.14699220657348633},{"word":"i","start":40.95,"end":41.03,"confidence":0.96082824,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16330869495868683},{"word":"guess","start":41.03,"end":41.53,"confidence":0.999902,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.17710041999816897},{"word":"i","start":42.945,"end":43.025,"confidence":0.99967265,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.161849707365036},{"word":"guess","start":43.025,"end":43.505,"confidence":0.8383742,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.17334485054016113},{"word":"alternatives","start":43.505,"end":43.985,"confidence":0.96376115,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":0.07271940261125565},{"word":"that","start":43.985,"end":44.065,"confidence":0.9987219,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24890194833278656},{"word":"we","start":44.065,"end":44.145,"confidence":0.99922657,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2461516261100769},{"word":"could","start":44.145,"end":44.385,"confidence":0.9991366,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.20911642909049988},{"word":"look","start":44.385,"end":44.545,"confidence":0.99871373,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16832441091537476},{"word":"at","start":44.545,"end":44.705,"confidence":0.9750735,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.157275453209877},{"word":"with","start":44.705,"end":44.945,"confidence":0.99941003,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17124193906784058},{"word":"the","start":44.945,"end":45.105,"confidence":0.9987332,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16127996146678925},{"word":"insurance","start":45.105,"end":45.605,"confidence":0.9982704,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.11735645681619644},{"word":"previously","start":45.905,"end":46.405,"confidence":0.9894525,"punctuated_word":"Previously,","sentiment":"neutral","sentiment_score":0.11464525759220125},{"word":"we'd","start":46.545,"end":46.865,"confidence":0.93804103,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.17747852206230164},{"word":"recommended","start":46.865,"end":47.365,"confidence":0.99440914,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.10206861793994904},{"word":"tal","start":47.585,"end":47.905,"confidence":0.624587,"punctuated_word":"TAL,","sentiment":"neutral","sentiment_score":0.06320713460445404},{"word":"and","start":47.905,"end":48.065,"confidence":0.9996081,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16187714040279388},{"word":"i","start":48.065,"end":48.225,"confidence":0.9995425,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2590014636516571},{"word":"actually","start":48.225,"end":48.545,"confidence":0.99035794,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.22421535849571228},{"word":"know","start":48.545,"end":48.785,"confidence":0.96721405,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2754156291484833},{"word":"that","start":48.785,"end":48.945,"confidence":0.99365085,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.266467809677124},{"word":"for","start":48.945,"end":49.185,"confidence":0.956458,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1870819330215454},{"word":"your","start":49.185,"end":49.345,"confidence":0.9990388,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20560550689697263},{"word":"occupation","start":49.345,"end":49.845,"confidence":0.9389802,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.1693696677684784},{"word":"that","start":50.065,"end":50.465,"confidence":0.8696343,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3127777576446533},{"word":"metlife","start":50.465,"end":50.965,"confidence":0.9969348,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.1949746310710907},{"word":"does","start":51.185,"end":51.505,"confidence":0.9992865,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.28949758410453796},{"word":"do","start":51.505,"end":51.745,"confidence":0.95889467,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2690686881542206},{"word":"a","start":51.745,"end":51.825,"confidence":0.9995105,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3024526536464691},{"word":"lot","start":51.825,"end":52.145,"confidence":0.99972063,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.281751811504364},{"word":"better","start":52.145,"end":52.465,"confidence":0.9975787,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.18888801336288452},{"word":"rating","start":52.465,"end":52.965,"confidence":0.8738066,"punctuated_word":"rating.","sentiment":"neutral","sentiment_score":0.2351231724023819},{"word":"and","start":53.585,"end":53.745,"confidence":0.9972331,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.39268794655799866},{"word":"i","start":53.745,"end":53.905,"confidence":0.99986017,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5535943508148193},{"word":"was","start":53.905,"end":54.065,"confidence":0.99986744,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.5509535670280457},{"word":"actually","start":54.065,"end":54.385002,"confidence":0.9882196,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5050930976867676},{"word":"able","start":54.385002,"end":54.625,"confidence":0.9997811,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.556742250919342},{"word":"to","start":54.625,"end":55.125,"confidence":0.9984055,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5294286012649536},{"word":"save","start":55.345,"end":55.585,"confidence":0.99914145,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.4357183873653412},{"word":"you","start":55.585,"end":55.825,"confidence":0.99982363,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5286623239517212},{"word":"quite","start":55.825,"end":56.065,"confidence":0.99942577,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4890787601470947},{"word":"a","start":56.065,"end":56.225,"confidence":0.9995554,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.511427104473114},{"word":"bit","start":56.225,"end":56.545,"confidence":0.9998952,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.388365626335144},{"word":"on","start":56.545,"end":56.785,"confidence":0.99967206,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.43435657024383545},{"word":"the","start":56.785,"end":56.945,"confidence":0.9996983,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25868913531303406},{"word":"policy","start":56.945,"end":57.445,"confidence":0.9998319,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.2354869246482849},{"word":"just","start":58.2,"end":58.44,"confidence":0.9998627,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.332078218460083},{"word":"maneuvering","start":58.44,"end":58.94,"confidence":0.9987414,"punctuated_word":"maneuvering","sentiment":"positive","sentiment_score":0.3430025577545166},{"word":"it","start":59.0,"end":59.16,"confidence":0.9225048,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2817569971084595},{"word":"around","start":59.16,"end":59.399998,"confidence":0.99976295,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.27104219794273376},{"word":"a","start":59.399998,"end":59.48,"confidence":0.9996301,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35156333446502686},{"word":"little","start":59.48,"end":59.64,"confidence":0.99991274,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.24056383967399597},{"word":"bit","start":59.64,"end":60.14,"confidence":0.9380293,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.2663417458534241},{"word":"so","start":61.559998,"end":61.8,"confidence":0.8293491,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1450662612915039},{"word":"i","start":61.8,"end":61.96,"confidence":0.9993875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1932381242513657},{"word":"wanted","start":61.96,"end":62.28,"confidence":0.9998153,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1271592527627945},{"word":"to","start":62.28,"end":62.6,"confidence":0.9979651,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18302768468856812},{"word":"propose","start":62.6,"end":63.079998,"confidence":0.9995499,"punctuated_word":"propose","sentiment":"neutral","sentiment_score":0.18904662132263184},{"word":"an","start":63.079998,"end":63.32,"confidence":0.99784184,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1729585975408554},{"word":"alternative","start":63.32,"end":63.82,"confidence":0.9992822,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.06751903891563416},{"word":"and","start":63.879997,"end":63.96,"confidence":0.99131995,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1904636025428772},{"word":"go","start":63.96,"end":64.2,"confidence":0.9999194,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.24529893696308136},{"word":"ahead","start":64.2,"end":64.44,"confidence":0.9998598,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.2667447030544281},{"word":"with","start":64.44,"end":64.68,"confidence":0.99953496,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12546704709529877},{"word":"metlife","start":64.68,"end":65.18,"confidence":0.81368047,"punctuated_word":"MetLife,","sentiment":"neutral","sentiment_score":0.14194001257419586},{"word":"where","start":65.96,"end":66.46,"confidence":0.7807035,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.175957590341568},{"word":"the","start":66.52,"end":66.76,"confidence":0.94849026,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18140003085136416},{"word":"power","start":66.76,"end":67.08,"confidence":0.6507618,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.12161508947610856},{"word":"policy","start":67.08,"end":67.4,"confidence":0.9992398,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.1285872757434845},{"word":"was","start":67.4,"end":67.56,"confidence":0.9982495,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.17081564664840698},{"word":"gonna","start":67.56,"end":67.8,"confidence":0.99842095,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19187849760055545},{"word":"cost","start":67.8,"end":67.96,"confidence":0.99509513,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.19560778141021729},{"word":"you","start":67.96,"end":68.119995,"confidence":0.9982514,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2267727106809616},{"word":"about","start":68.119995,"end":68.36,"confidence":0.999382,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1558413803577423},{"word":"$1,500","start":68.36,"end":69.32,"confidence":0.9988858,"punctuated_word":"$1,500","sentiment":"neutral","sentiment_score":0.1883932054042816},{"word":"for","start":69.32,"end":69.4,"confidence":0.7787078,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18117427825927737},{"word":"the","start":69.4,"end":69.56,"confidence":0.9894777,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1629544496536255},{"word":"year","start":69.56,"end":70.06,"confidence":0.91970164,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.1826694756746292},{"word":"metlife's","start":70.505005,"end":70.90501,"confidence":0.9407437,"punctuated_word":"MetLife's","sentiment":"neutral","sentiment_score":0.1872941553592682},{"word":"gonna","start":70.90501,"end":71.065,"confidence":0.9983487,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.209905743598938},{"word":"cost","start":71.065,"end":71.305,"confidence":0.9978377,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.2618580460548401},{"word":"you","start":71.305,"end":71.545006,"confidence":0.9982613,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27401646971702576},{"word":"about","start":71.545006,"end":71.865005,"confidence":0.9994129,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.22343005239963531},{"word":"a","start":71.865005,"end":72.105,"confidence":0.9974252,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2573431432247162},{"word":"thousand","start":72.105,"end":72.58501,"confidence":0.87572396,"punctuated_word":"thousand.","sentiment":"neutral","sentiment_score":0.1913265883922577},{"word":"so","start":72.58501,"end":72.825005,"confidence":0.98116964,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22924691438674927},{"word":"it's","start":72.825005,"end":72.985,"confidence":0.9933843,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2897142171859741},{"word":"a","start":72.985,"end":73.065,"confidence":0.98671234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3303142786026001},{"word":"$500","start":73.065,"end":73.705,"confidence":0.9781518,"punctuated_word":"$500","sentiment":"positive","sentiment_score":0.4317846596240998},{"word":"savings","start":73.705,"end":74.205,"confidence":0.99833405,"punctuated_word":"savings.","sentiment":"neutral","sentiment_score":0.2400110810995102},{"word":"yeah","start":76.745,"end":77.065,"confidence":0.99090165,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02433549612760544},{"word":"i","start":77.065,"end":77.145004,"confidence":0.8689154,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10119932144880296},{"word":"didn't","start":77.145004,"end":77.465004,"confidence":0.99926513,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.167729914188385},{"word":"think","start":77.465004,"end":77.625,"confidence":0.9997123,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.33739790320396423},{"word":"you","start":77.625,"end":77.785,"confidence":0.96905375,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.412145733833313},{"word":"would","start":77.785,"end":78.025,"confidence":0.9995734,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.3030942380428314},{"word":"be","start":78.025,"end":78.525,"confidence":0.9995931,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3704677224159241},{"word":"too","start":78.58501,"end":78.745,"confidence":0.9986518,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.3448795974254608},{"word":"upset","start":78.745,"end":79.065,"confidence":0.9994105,"punctuated_word":"upset","sentiment":"negative","sentiment_score":-0.3667118847370148},{"word":"at","start":79.065,"end":79.225006,"confidence":0.9396651,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.32558920979499817},{"word":"that","start":79.225006,"end":79.725006,"confidence":0.99978805,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.21010708808898929},{"word":"yeah","start":82.105,"end":82.5,"confidence":0.998171,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0680704414844513},{"word":"cool","start":82.66,"end":82.98,"confidence":0.999769,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.18922314047813416},{"word":"well","start":82.98,"end":83.14,"confidence":0.9342238,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.10721345245838164},{"word":"what","start":83.14,"end":83.46,"confidence":0.99871933,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14312744140625},{"word":"i've","start":83.46,"end":83.54,"confidence":0.9979187,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.16961142420768738},{"word":"done","start":83.54,"end":83.78,"confidence":0.99979347,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.11273212730884552},{"word":"is","start":83.78,"end":83.94,"confidence":0.9986235,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1045532301068306},{"word":"i've","start":83.94,"end":84.26,"confidence":0.99346536,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14625069499015808},{"word":"updated","start":84.26,"end":84.58,"confidence":0.9994104,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.08825135976076126},{"word":"the","start":84.58,"end":84.82,"confidence":0.9999207,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11783736944198608},{"word":"the","start":84.82,"end":85.06,"confidence":0.999464,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12637287378311157},{"word":"advice","start":85.06,"end":85.38,"confidence":0.96793693,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.10579071193933488},{"word":"document","start":85.38,"end":85.7,"confidence":0.9730558,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.08658231794834137},{"word":"because","start":85.7,"end":85.86,"confidence":0.68884975,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07402712106704712},{"word":"i","start":85.86,"end":85.94,"confidence":0.9995845,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1371578872203827},{"word":"do","start":85.94,"end":86.1,"confidence":0.9995328,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09904906898736954},{"word":"need","start":86.1,"end":86.26,"confidence":0.9981139,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.10510659962892532},{"word":"to","start":86.26,"end":86.34,"confidence":0.9982358,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11219268292188644},{"word":"get","start":86.34,"end":86.5,"confidence":0.9999056,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05979955196380615},{"word":"you","start":86.5,"end":86.58,"confidence":0.9994307,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07997230440378189},{"word":"to","start":86.58,"end":86.74,"confidence":0.9919777,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09045059978961945},{"word":"still","start":86.74,"end":86.98,"confidence":0.9985071,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.026822879910469055},{"word":"authorize","start":86.98,"end":87.46,"confidence":0.9870424,"punctuated_word":"authorize","sentiment":"neutral","sentiment_score":0.12288867682218552},{"word":"that","start":87.46,"end":87.78,"confidence":0.99930835,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1277504563331604},{"word":"change","start":87.78,"end":88.28,"confidence":0.9998129,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.10000324249267578},{"word":"because","start":88.5,"end":88.82,"confidence":0.6567929,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.021203018724918365},{"word":"obviously","start":88.82,"end":89.06,"confidence":0.9998039,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.0550101101398468},{"word":"i","start":89.06,"end":89.22,"confidence":0.9998896,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1145213320851326},{"word":"can't","start":89.22,"end":89.38,"confidence":0.9998336,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.11521297693252563},{"word":"just","start":89.38,"end":89.62,"confidence":0.9998473,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2407001256942749},{"word":"replace","start":89.62,"end":89.94,"confidence":0.9989441,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.1693887561559677},{"word":"a","start":89.94,"end":90.02,"confidence":0.9719681,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25879034399986267},{"word":"product","start":90.02,"end":90.26,"confidence":0.99986374,"punctuated_word":"product","sentiment":"neutral","sentiment_score":-0.16600334644317627},{"word":"based","start":90.26,"end":90.5,"confidence":0.9964573,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.1314363181591034},{"word":"on","start":90.5,"end":90.66,"confidence":0.9991892,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13411936163902283},{"word":"a","start":90.66,"end":90.74,"confidence":0.9142129,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10889875143766405},{"word":"conversation","start":90.74,"end":91.24,"confidence":0.967066,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":-0.06921186298131943},{"word":"but","start":91.7,"end":91.86,"confidence":0.60827273,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03495778143405914},{"word":"what","start":91.86,"end":92.02,"confidence":0.9990402,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.020222648978233337},{"word":"i'm","start":92.02,"end":92.18,"confidence":0.9998348,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04282861948013306},{"word":"still","start":92.18,"end":92.34,"confidence":0.999676,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.027934551239013672},{"word":"gonna","start":92.34,"end":92.58,"confidence":0.9987649,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08584479987621307},{"word":"do","start":92.58,"end":92.66,"confidence":0.99670947,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.032518476247787476},{"word":"is","start":92.66,"end":92.82,"confidence":0.9981799,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.048296891152858734},{"word":"i'm","start":92.82,"end":92.9,"confidence":0.99326694,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09873998165130617},{"word":"actually","start":92.9,"end":93.14,"confidence":0.9980531,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.11315162479877472},{"word":"gonna","start":93.14,"end":93.38,"confidence":0.9973552,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08833528310060501},{"word":"put","start":93.38,"end":93.54,"confidence":0.9981172,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.037600964307785034},{"word":"you","start":93.54,"end":93.7,"confidence":0.9967488,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.053161121904850006},{"word":"through","start":93.7,"end":93.86,"confidence":0.99964905,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04217889904975891},{"word":"to","start":93.86,"end":94.02,"confidence":0.9793794,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04643721133470535},{"word":"maddie","start":94.02,"end":94.515,"confidence":0.948114,"punctuated_word":"Maddie.","sentiment":"neutral","sentiment_score":-0.035053011029958725},{"word":"she's","start":94.595,"end":94.915,"confidence":0.99967206,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.06571466475725174},{"word":"gonna","start":94.915,"end":95.075,"confidence":0.9986216,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07084381580352783},{"word":"go","start":95.075,"end":95.315,"confidence":0.99823296,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11578167974948884},{"word":"through","start":95.315,"end":95.555,"confidence":0.9998702,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1388208568096161},{"word":"the","start":95.555,"end":95.715,"confidence":0.99966,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09435904026031494},{"word":"application","start":95.715,"end":96.215,"confidence":0.99983966,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.05480457842350006},{"word":"with","start":96.354996,"end":96.595,"confidence":0.9997172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0944465696811676},{"word":"you","start":96.595,"end":96.915,"confidence":0.84080935,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.09587045758962633},{"word":"but","start":96.915,"end":97.155,"confidence":0.9987452,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06007568910717964},{"word":"i","start":97.155,"end":97.315,"confidence":0.9994074,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05619039013981819},{"word":"just","start":97.315,"end":97.475,"confidence":0.99619126,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05856709182262421},{"word":"wanted","start":97.475,"end":97.595,"confidence":0.8205857,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.06360164284706116},{"word":"to","start":97.595,"end":97.715,"confidence":0.99424404,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08726672828197479},{"word":"jump","start":97.715,"end":97.875,"confidence":0.99973994,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.14006772637367249},{"word":"on","start":97.875,"end":98.034996,"confidence":0.99924374,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12497776746749878},{"word":"the","start":98.034996,"end":98.115,"confidence":0.9993807,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11147644370794296},{"word":"phone","start":98.115,"end":98.354996,"confidence":0.9991704,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.13423305749893188},{"word":"and","start":98.354996,"end":98.515,"confidence":0.9882152,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10640187561511992},{"word":"make","start":98.515,"end":98.595,"confidence":0.9997589,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10310061275959016},{"word":"sure","start":98.595,"end":98.755,"confidence":0.9998056,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10051174461841585},{"word":"that","start":98.755,"end":98.915,"confidence":0.9990125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12939147651195526},{"word":"from","start":98.915,"end":99.075,"confidence":0.8750295,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0991397425532341},{"word":"an","start":99.075,"end":99.235,"confidence":0.9978466,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08055250346660614},{"word":"advice","start":99.235,"end":99.555,"confidence":0.93173254,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.0776296854019165},{"word":"perspective","start":99.555,"end":100.055,"confidence":0.9491881,"punctuated_word":"perspective,","sentiment":"neutral","sentiment_score":0.08480200171470642},{"word":"i","start":100.354996,"end":100.435,"confidence":0.999567,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0662403255701065},{"word":"was","start":100.435,"end":100.675,"confidence":0.9993616,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05090489983558655},{"word":"explaining","start":100.675,"end":101.075,"confidence":0.9998518,"punctuated_word":"explaining","sentiment":"neutral","sentiment_score":0.07173393666744232},{"word":"that","start":101.075,"end":101.235,"confidence":0.99981266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05479886010289192},{"word":"we","start":101.235,"end":101.315,"confidence":0.9998615,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05092427879571915},{"word":"had","start":101.315,"end":101.555,"confidence":0.96290225,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04322654381394386},{"word":"made","start":101.555,"end":101.715,"confidence":0.9994487,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.06289370357990265},{"word":"that","start":101.715,"end":101.955,"confidence":0.9991691,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06835512071847916},{"word":"change","start":101.955,"end":102.455,"confidence":0.999707,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.03126479685306549},{"word":"now","start":102.595,"end":102.835,"confidence":0.998955,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.010454028844833374},{"word":"i","start":102.835,"end":102.994995,"confidence":0.5831183,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008214786648750305},{"word":"guess","start":102.994995,"end":103.235,"confidence":0.99976677,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.008572664111852646},{"word":"the","start":103.235,"end":103.315,"confidence":0.92832845,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03602846711874008},{"word":"biggest","start":103.315,"end":103.715,"confidence":0.99993527,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.03133923560380936},{"word":"change","start":103.715,"end":103.875,"confidence":0.99864584,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.019632503390312195},{"word":"that","start":103.875,"end":104.115,"confidence":0.9676014,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00044471025466918945},{"word":"i","start":104.115,"end":104.195,"confidence":0.99848264,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0055382996797561646},{"word":"have","start":104.195,"end":104.354996,"confidence":0.99806565,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009341411292552948},{"word":"made","start":104.354996,"end":104.595,"confidence":0.9999125,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.016513288021087646},{"word":"is","start":104.595,"end":104.755,"confidence":0.999665,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013308301568031313},{"word":"where","start":104.755,"end":104.915,"confidence":0.99669987,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.014796916395425797},{"word":"we","start":104.915,"end":105.155,"confidence":0.9982717,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.001262381672859192},{"word":"previously","start":105.155,"end":105.655,"confidence":0.8654685,"punctuated_word":"previously","sentiment":"neutral","sentiment_score":-0.01208316534757614},{"word":"recommended","start":105.715,"end":106.195,"confidence":0.99905306,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.008438587188720703},{"word":"1,000,000","start":106.195,"end":106.854996,"confidence":0.99878186,"punctuated_word":"1,000,000","sentiment":"neutral","sentiment_score":0.0012504532933235168},{"word":"of","start":107.15,"end":107.39,"confidence":0.99978906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0038754045963287354},{"word":"life","start":107.39,"end":107.55,"confidence":0.9994998,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.06273449212312698},{"word":"insurance","start":107.55,"end":108.03,"confidence":0.99966896,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.02987693622708321},{"word":"and","start":108.03,"end":108.27,"confidence":0.9878626,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021563809365034103},{"word":"280,000","start":108.27,"end":109.39,"confidence":0.99580735,"punctuated_word":"280,000","sentiment":"neutral","sentiment_score":-0.00710374116897583},{"word":"of","start":109.39,"end":109.55,"confidence":0.99773693,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025850731879472733},{"word":"total","start":109.55,"end":109.87,"confidence":0.99341786,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.04286658391356468},{"word":"permanent","start":109.87,"end":110.27,"confidence":0.9788356,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.032757509499788284},{"word":"disability","start":110.27,"end":110.77,"confidence":0.81130445,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":-0.02896874025464058},{"word":"and","start":111.15,"end":111.31,"confidence":0.9994192,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01955082267522812},{"word":"there","start":111.31,"end":111.39,"confidence":0.99755895,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.01905083656311035},{"word":"was","start":111.39,"end":111.55,"confidence":0.9988275,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03233089670538902},{"word":"gonna","start":111.55,"end":111.79,"confidence":0.99416405,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.01993892900645733},{"word":"be","start":111.79,"end":111.95,"confidence":0.9959543,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0007281601428985596},{"word":"a","start":111.95,"end":112.11,"confidence":0.99915886,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008328432217240334},{"word":"buyback","start":112.11,"end":112.61,"confidence":0.9775796,"punctuated_word":"buyback","sentiment":"neutral","sentiment_score":-0.04900018125772476},{"word":"attached","start":112.67,"end":113.07,"confidence":0.95950997,"punctuated_word":"attached.","sentiment":"neutral","sentiment_score":-0.05010634660720825},{"word":"so","start":113.07,"end":113.229996,"confidence":0.9995394,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03468068689107895},{"word":"it","start":113.229996,"end":113.31,"confidence":0.99749976,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03342842683196068},{"word":"meant","start":113.31,"end":113.55,"confidence":0.99931383,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.0532255657017231},{"word":"that","start":113.55,"end":113.63,"confidence":0.99908876,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.041280053555965424},{"word":"if","start":113.63,"end":113.71,"confidence":0.99857247,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06750354170799255},{"word":"you","start":113.71,"end":113.87,"confidence":0.99866724,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06459736824035645},{"word":"ever","start":113.87,"end":114.03,"confidence":0.9901522,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.057722561061382294},{"word":"went","start":114.03,"end":114.27,"confidence":0.9993907,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.08901725709438324},{"word":"through","start":114.27,"end":114.43,"confidence":0.98988694,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.11220301687717438},{"word":"a","start":114.43,"end":114.51,"confidence":0.9979328,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10772871226072311},{"word":"tpd","start":114.51,"end":114.99,"confidence":0.9813969,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.0942848175764084},{"word":"claim","start":114.99,"end":115.49,"confidence":0.9984735,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":-0.0890960842370987},{"word":"your","start":115.79,"end":116.11,"confidence":0.99746084,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.23018087446689608},{"word":"life","start":116.11,"end":116.35,"confidence":0.99826306,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.3197041153907776},{"word":"insurance","start":116.35,"end":116.75,"confidence":0.99898666,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.2920348346233368},{"word":"policy","start":116.75,"end":117.15,"confidence":0.9998783,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.27969902753829956},{"word":"would","start":117.15,"end":117.31,"confidence":0.9930004,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.13965773582458496},{"word":"actually","start":117.31,"end":117.63,"confidence":0.99562895,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.11082793772220612},{"word":"decrease","start":117.63,"end":118.03,"confidence":0.9803838,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.09721751511096954},{"word":"by","start":118.03,"end":118.27,"confidence":0.9994505,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.10033541917800903},{"word":"$280,000","start":118.27,"end":119.89,"confidence":0.9965619,"punctuated_word":"$280,000","sentiment":"neutral","sentiment_score":-0.08244859427213669},{"word":"for","start":120.095,"end":120.175,"confidence":0.99987555,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11599273979663847},{"word":"a","start":120.175,"end":120.415,"confidence":0.9957123,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10455474257469176},{"word":"twelve","start":120.415,"end":120.655,"confidence":0.9998124,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.12009073793888092},{"word":"month","start":120.655,"end":120.975,"confidence":0.99588865,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.08317282795906067},{"word":"period","start":120.975,"end":121.295,"confidence":0.8553533,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":-0.07229797542095184},{"word":"and","start":121.295,"end":121.534996,"confidence":0.99974865,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06334947049617767},{"word":"then","start":121.534996,"end":121.695,"confidence":0.999895,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.03125307336449623},{"word":"the","start":121.695,"end":121.854996,"confidence":0.9963368,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09351330995559692},{"word":"policy","start":121.854996,"end":122.255,"confidence":0.99991333,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.12336116284132004},{"word":"after","start":122.255,"end":122.575,"confidence":0.91282254,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.0939524918794632},{"word":"twelve","start":122.575,"end":122.815,"confidence":0.99963737,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.09053276479244232},{"word":"months","start":122.815,"end":123.135,"confidence":0.9963176,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.08271715044975281},{"word":"would","start":123.135,"end":123.635,"confidence":0.9974534,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.05466456338763237},{"word":"pop","start":123.695,"end":123.935,"confidence":0.99426913,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":-0.017129234969615936},{"word":"back","start":123.935,"end":124.095,"confidence":0.99845123,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.021927673369646072},{"word":"up","start":124.095,"end":124.255,"confidence":0.9964737,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.019914738833904263},{"word":"to","start":124.255,"end":124.415,"confidence":0.9059308,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02362261712551117},{"word":"a","start":124.415,"end":124.655,"confidence":0.8707427,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.019000958651304245},{"word":"$1,000,000","start":124.655,"end":125.475,"confidence":0.9392914,"punctuated_word":"$1,000,000.","sentiment":"neutral","sentiment_score":-0.01413443684577942},{"word":"what","start":125.935,"end":126.175,"confidence":0.99931884,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.009478524327278135},{"word":"i'm","start":126.175,"end":126.335,"confidence":0.9998059,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02598697505891323},{"word":"actually","start":126.335,"end":126.835,"confidence":0.99815124,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.03787479177117348},{"word":"proposing","start":127.055,"end":127.534996,"confidence":0.9993926,"punctuated_word":"proposing","sentiment":"neutral","sentiment_score":0.05932445079088211},{"word":"we","start":127.534996,"end":127.695,"confidence":0.9940866,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05880015715956688},{"word":"do","start":127.695,"end":127.935,"confidence":0.9972811,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.050815362483263016},{"word":"is","start":127.935,"end":128.095,"confidence":0.9886285,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.040939584374427795},{"word":"we","start":128.095,"end":128.255,"confidence":0.9562201,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04275140166282654},{"word":"write","start":128.255,"end":128.755,"confidence":0.9968014,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.031701378524303436},{"word":"1,280,000","start":129.055,"end":130.735,"confidence":0.9938774,"punctuated_word":"1,280,000","sentiment":"neutral","sentiment_score":0.026534033939242363},{"word":"of","start":130.735,"end":130.895,"confidence":0.9968977,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019300319254398342},{"word":"life","start":130.895,"end":131.135,"confidence":0.99959034,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.01364024356007576},{"word":"insurance","start":131.135,"end":131.635,"confidence":0.9480032,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.014870921149849892},{"word":"280,000","start":132.095,"end":133.135,"confidence":0.98346996,"punctuated_word":"280,000","sentiment":"neutral","sentiment_score":0.021858621388673782},{"word":"worth","start":133.135,"end":133.635,"confidence":0.87325,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.02070830389857292},{"word":"and","start":138.4,"end":138.56,"confidence":0.6994932,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02362525463104248},{"word":"then","start":138.56,"end":139.06,"confidence":0.99618703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.014141146093606949},{"word":"what","start":139.59999,"end":139.76,"confidence":0.9848007,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.013953231275081636},{"word":"we","start":139.76,"end":140.0,"confidence":0.9991254,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02869587391614914},{"word":"would","start":140.0,"end":140.15999,"confidence":0.9988298,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02458319067955017},{"word":"do","start":140.15999,"end":140.4,"confidence":0.9990715,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03202544152736664},{"word":"from","start":140.4,"end":140.87999,"confidence":0.9929288,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.01405613124370575},{"word":"there","start":140.87999,"end":141.37999,"confidence":0.8797727,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0036258921027183537},{"word":"is","start":142.79999,"end":143.29999,"confidence":0.97274774,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026748530566692352},{"word":"what","start":145.28,"end":145.51999,"confidence":0.9564656,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06285557150840759},{"word":"we","start":145.51999,"end":145.68,"confidence":0.99724615,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05668450891971588},{"word":"would","start":145.68,"end":145.76,"confidence":0.9787678,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.039312850683927536},{"word":"do","start":145.76,"end":145.92,"confidence":0.99926955,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0423489511013031},{"word":"from","start":145.92,"end":146.07999,"confidence":0.9996569,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.01907160133123398},{"word":"there","start":146.07999,"end":146.31999,"confidence":0.99927,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.017271600663661957},{"word":"with","start":146.31999,"end":146.48,"confidence":0.96602726,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.008190460503101349},{"word":"no","start":146.48,"end":146.64,"confidence":0.9964812,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.01295904815196991},{"word":"buyback","start":146.64,"end":147.14,"confidence":0.98589635,"punctuated_word":"buyback","sentiment":"neutral","sentiment_score":-0.05036507919430733},{"word":"is","start":147.28,"end":147.51999,"confidence":0.8885608,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004751935601234436},{"word":"that","start":147.51999,"end":147.84,"confidence":0.995624,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02232048287987709},{"word":"at","start":147.84,"end":148.0,"confidence":0.93941927,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004704512655735016},{"word":"the","start":148.0,"end":148.5,"confidence":0.98408395,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005975633859634399},{"word":"at","start":149.445,"end":149.60501,"confidence":0.9971444,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.014651112258434296},{"word":"the","start":149.60501,"end":149.68501,"confidence":0.9971324,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009719278663396835},{"word":"time","start":149.68501,"end":150.005,"confidence":0.85566854,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.004470497369766235},{"word":"if","start":150.005,"end":150.085,"confidence":0.999553,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.004235945641994476},{"word":"you","start":150.085,"end":150.24501,"confidence":0.99979776,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005981132388114929},{"word":"did","start":150.24501,"end":150.405,"confidence":0.99893326,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0036224350333213806},{"word":"ever","start":150.405,"end":150.565,"confidence":0.9413277,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.01306714117527008},{"word":"go","start":150.565,"end":150.725,"confidence":0.975322,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.025754716247320175},{"word":"to","start":150.725,"end":150.88501,"confidence":0.9898985,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01934230327606201},{"word":"claim","start":150.88501,"end":151.205,"confidence":0.9936771,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.02104964479804039},{"word":"for","start":151.205,"end":151.445,"confidence":0.9991831,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.012689359486103058},{"word":"your","start":151.445,"end":151.68501,"confidence":0.9994584,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.026569977402687073},{"word":"tpd","start":151.68501,"end":152.18501,"confidence":0.9935801,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.0012717110803350806},{"word":"you","start":152.80501,"end":152.88501,"confidence":0.9554076,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03294100612401962},{"word":"would","start":152.88501,"end":153.04501,"confidence":0.99711335,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.002021804451942444},{"word":"claim","start":153.04501,"end":153.285,"confidence":0.99534976,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.006224684417247772},{"word":"out","start":153.285,"end":153.365,"confidence":0.6738078,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.007092460989952087},{"word":"your","start":153.365,"end":153.52501,"confidence":0.99743253,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02582935243844986},{"word":"tpd","start":153.52501,"end":153.925,"confidence":0.9995545,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.012119490653276443},{"word":"for","start":153.925,"end":154.16501,"confidence":0.9958568,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03231792896986008},{"word":"280,000","start":154.16501,"end":155.04501,"confidence":0.9555502,"punctuated_word":"280,000,","sentiment":"neutral","sentiment_score":-0.024759894236922264},{"word":"and","start":155.04501,"end":155.205,"confidence":0.99983597,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02586352825164795},{"word":"your","start":155.205,"end":155.365,"confidence":0.9991209,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05825904756784439},{"word":"life","start":155.365,"end":155.52501,"confidence":0.998458,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.08456148207187653},{"word":"insurance","start":155.52501,"end":155.925,"confidence":0.9983423,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.07794901728630066},{"word":"would","start":155.925,"end":156.005,"confidence":0.63178974,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.027362752705812458},{"word":"just","start":156.005,"end":156.16501,"confidence":0.9969862,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02155373990535736},{"word":"decrease","start":156.16501,"end":156.485,"confidence":0.96882015,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.036854516714811325},{"word":"to","start":156.485,"end":156.645,"confidence":0.7509477,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04810653254389763},{"word":"the","start":156.645,"end":156.80501,"confidence":0.7164858,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.040860481560230255},{"word":"million","start":156.80501,"end":157.04501,"confidence":0.9766753,"punctuated_word":"million","sentiment":"neutral","sentiment_score":-0.04436703026294708},{"word":"dollars","start":157.04501,"end":157.52501,"confidence":0.98042536,"punctuated_word":"dollars.","sentiment":"neutral","sentiment_score":-0.04419860988855362},{"word":"so","start":157.52501,"end":157.845,"confidence":0.99768066,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01475532352924347},{"word":"same","start":157.845,"end":158.085,"confidence":0.9762497,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.006229080259799957},{"word":"same","start":158.085,"end":158.32501,"confidence":0.9268794,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.042851924896240234},{"word":"outcome","start":158.32501,"end":158.82501,"confidence":0.8874608,"punctuated_word":"outcome.","sentiment":"neutral","sentiment_score":0.020957978442311287},{"word":"you","start":159.445,"end":159.60501,"confidence":0.97863376,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.006899870932102203},{"word":"just","start":159.60501,"end":159.845,"confidence":0.9994254,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014876648783683777},{"word":"don't","start":159.845,"end":160.005,"confidence":0.99960303,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03195717930793762},{"word":"have","start":160.005,"end":160.16501,"confidence":0.9997849,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.050207093358039856},{"word":"to","start":160.16501,"end":160.24501,"confidence":0.99903023,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0925229787826538},{"word":"go","start":160.24501,"end":160.405,"confidence":0.9998115,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.10368217527866364},{"word":"through","start":160.405,"end":160.645,"confidence":0.99954456,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08620423078536987},{"word":"a","start":160.645,"end":160.80501,"confidence":0.9985318,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.093853697180748},{"word":"buyback","start":160.80501,"end":161.205,"confidence":0.9982516,"punctuated_word":"buyback","sentiment":"neutral","sentiment_score":-0.1023259237408638},{"word":"period","start":161.205,"end":161.60501,"confidence":0.99974495,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.13696399331092834},{"word":"or","start":161.60501,"end":161.765,"confidence":0.9804697,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.09884875267744064},{"word":"you","start":161.765,"end":161.925,"confidence":0.9999175,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0915733203291893},{"word":"know","start":161.925,"end":162.16501,"confidence":0.9998547,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07799239456653595},{"word":"be","start":162.16501,"end":162.32501,"confidence":0.99799144,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1216631531715393},{"word":"without","start":162.32501,"end":162.725,"confidence":0.9998834,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.0737377405166626},{"word":"that","start":162.725,"end":162.88501,"confidence":0.99799156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0899088978767395},{"word":"280","start":162.88501,"end":163.60501,"confidence":0.98084044,"punctuated_word":"280","sentiment":"neutral","sentiment_score":-0.07363615185022354},{"word":"on","start":163.60501,"end":163.765,"confidence":0.99875975,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0996611714363098},{"word":"that","start":163.765,"end":163.925,"confidence":0.99932015,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07430177927017212},{"word":"life","start":163.925,"end":164.085,"confidence":0.89449775,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.11246608197689056},{"word":"policy","start":164.085,"end":164.585,"confidence":0.9443612,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.08390787988901138},{"word":"so","start":165.26,"end":165.58,"confidence":0.96380216,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023918457329273224},{"word":"still","start":165.58,"end":165.9,"confidence":0.56894404,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.16225534677505493},{"word":"the","start":165.9,"end":166.06,"confidence":0.9880685,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20292890071868896},{"word":"same","start":166.06,"end":166.37999,"confidence":0.99964225,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.32266855239868164},{"word":"outcome","start":166.37999,"end":166.78,"confidence":0.9997991,"punctuated_word":"outcome","sentiment":"positive","sentiment_score":0.34657543897628784},{"word":"very","start":166.78,"end":167.02,"confidence":0.9707437,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.3926400542259216},{"word":"very","start":167.02,"end":167.18,"confidence":0.9999627,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.3978841900825501},{"word":"much","start":167.18,"end":167.5,"confidence":0.972442,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.32742947340011597},{"word":"it","start":167.5,"end":167.66,"confidence":0.9995994,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.30773183703422546},{"word":"just","start":167.66,"end":167.81999,"confidence":0.9995765,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3011256456375122},{"word":"gives","start":167.81999,"end":167.98,"confidence":0.999311,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.22851763665676117},{"word":"you","start":167.98,"end":168.22,"confidence":0.9997954,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.268823504447937},{"word":"a","start":168.22,"end":168.3,"confidence":0.99982613,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30508607625961304},{"word":"lot","start":168.3,"end":168.54,"confidence":0.9996358,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.25057101249694824},{"word":"better","start":168.54,"end":169.04,"confidence":0.99934393,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.27876582741737366},{"word":"premium","start":169.34,"end":169.84,"confidence":0.9918156,"punctuated_word":"premium","sentiment":"positive","sentiment_score":0.40520602464675903},{"word":"for","start":169.98,"end":170.22,"confidence":0.99927634,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35565945506095886},{"word":"you","start":170.22,"end":170.72,"confidence":0.999732,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1913619041442871},{"word":"does","start":172.78,"end":173.01999,"confidence":0.99542,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.09306715428829192},{"word":"that","start":173.01999,"end":173.26,"confidence":0.9998423,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1307421773672104},{"word":"make","start":173.26,"end":173.42,"confidence":0.97915477,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08320650458335876},{"word":"sense","start":173.42,"end":173.92,"confidence":0.99972767,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.044552773237228394},{"word":"oh","start":177.26,"end":177.76,"confidence":0.82355744,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.043082550168037415},{"word":"sorry","start":177.9,"end":178.4,"confidence":0.9966445,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.11336608976125716},{"word":"i","start":178.45999,"end":178.62,"confidence":0.99950874,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13590893149375916},{"word":"think","start":178.62,"end":178.94,"confidence":0.999813,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.18075555562973025},{"word":"i've","start":178.94,"end":179.18,"confidence":0.9980161,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.19919094443321228},{"word":"lost","start":179.18,"end":179.42,"confidence":0.99986446,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.1536456197500229},{"word":"you","start":179.42,"end":179.58,"confidence":0.99946326,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18050558865070343},{"word":"there","start":179.58,"end":180.08,"confidence":0.99963456,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.16217246651649475},{"word":"are","start":180.60501,"end":180.685,"confidence":0.95950043,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.08513686060905457},{"word":"you","start":180.685,"end":180.765,"confidence":0.9971558,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07622629404067993},{"word":"still","start":180.765,"end":181.005,"confidence":0.998643,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.059790629893541336},{"word":"there","start":181.005,"end":181.24501,"confidence":0.99521244,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.045989856123924255},{"word":"adam","start":181.24501,"end":181.74501,"confidence":0.9990589,"punctuated_word":"Adam?","sentiment":"neutral","sentiment_score":-0.03424938768148422},{"word":"yeah","start":184.52501,"end":185.005,"confidence":0.8971052,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08769541233778},{"word":"cool","start":185.005,"end":185.505,"confidence":0.96801317,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.18047651648521423},{"word":"does","start":185.645,"end":185.80501,"confidence":0.98422515,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.1283174455165863},{"word":"that","start":185.80501,"end":186.045,"confidence":0.99901664,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1810202598571777},{"word":"all","start":186.045,"end":186.285,"confidence":0.99657863,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15125779807567596},{"word":"all","start":186.285,"end":186.52501,"confidence":0.99314415,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1612173318862915},{"word":"make","start":186.52501,"end":186.765,"confidence":0.89178425,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12263479083776474},{"word":"sense","start":186.765,"end":187.265,"confidence":0.9995909,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.08535758405923843},{"word":"okay","start":189.325,"end":189.80501,"confidence":0.9988006,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2175769209861755},{"word":"perfect","start":189.80501,"end":190.285,"confidence":0.9997375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4019718170166016},{"word":"so","start":190.285,"end":190.445,"confidence":0.9995442,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2526634633541107},{"word":"what","start":190.445,"end":190.60501,"confidence":0.9995303,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2672458589076996},{"word":"i'll","start":190.60501,"end":190.765,"confidence":0.9997981,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2717564105987549},{"word":"do","start":190.765,"end":191.005,"confidence":0.99960285,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2773700952529907},{"word":"is","start":191.005,"end":191.16501,"confidence":0.999137,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20291846990585327},{"word":"i'll","start":191.16501,"end":191.565,"confidence":0.9926386,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20333942770957947},{"word":"i'll","start":191.565,"end":191.725,"confidence":0.8730341,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2090993374586105},{"word":"i'll","start":191.725,"end":191.80501,"confidence":0.7670786,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20388349890708923},{"word":"send","start":191.80501,"end":192.045,"confidence":0.9921394,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.19566327333450317},{"word":"the","start":192.045,"end":192.205,"confidence":0.8581726,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18524082005023956},{"word":"documents","start":192.205,"end":192.685,"confidence":0.9929859,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.19444043934345245},{"word":"to","start":192.685,"end":192.845,"confidence":0.99559,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.201652392745018},{"word":"you","start":192.845,"end":193.005,"confidence":0.9994394,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2307499349117279},{"word":"now","start":193.005,"end":193.41,"confidence":0.90979993,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.1908460557460785},{"word":"but","start":193.41,"end":193.57,"confidence":0.99205995,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17670609056949615},{"word":"i'll","start":193.57,"end":193.81,"confidence":0.9998874,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1830482482910156},{"word":"transfer","start":193.81,"end":194.05,"confidence":0.9996581,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.19216565787792209},{"word":"you","start":194.05,"end":194.29001,"confidence":0.9993893,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1914413720369339},{"word":"over","start":194.29001,"end":194.79001,"confidence":0.99986565,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.21110613644123075},{"word":"to","start":195.17,"end":195.41,"confidence":0.99887174,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1212565451860428},{"word":"madison","start":195.41,"end":195.91,"confidence":0.7877289,"punctuated_word":"Madison,","sentiment":"neutral","sentiment_score":0.17606091499328613},{"word":"and","start":196.13,"end":196.37001,"confidence":0.9997665,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1921190321445465},{"word":"she","start":196.37001,"end":196.53,"confidence":0.9998944,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.2312053740024567},{"word":"will","start":196.53,"end":196.77,"confidence":0.99987066,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2793394923210144},{"word":"be","start":196.77,"end":196.85,"confidence":0.99953747,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.29499948024749756},{"word":"able","start":196.85,"end":197.25,"confidence":0.9999434,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.29003193974494934},{"word":"to","start":197.25,"end":197.41,"confidence":0.9989862,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2843828499317169},{"word":"go","start":197.41,"end":197.57,"confidence":0.998273,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.27716657519340515},{"word":"through","start":197.57,"end":197.73001,"confidence":0.9996706,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3142314553260803},{"word":"that","start":197.73001,"end":197.89,"confidence":0.99815494,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32199814915657043},{"word":"actual","start":197.89,"end":198.21,"confidence":0.99849725,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":0.2262634634971619},{"word":"application","start":198.21,"end":198.69,"confidence":0.99988437,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.14311744272708893},{"word":"with","start":198.69,"end":198.85,"confidence":0.9998504,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21941405534744263},{"word":"you","start":198.85,"end":199.01001,"confidence":0.9998877,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2505561411380768},{"word":"now","start":199.01001,"end":199.51001,"confidence":0.99978614,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.16309458017349243},{"word":"okay","start":199.73001,"end":200.23001,"confidence":0.9972667,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1036335676908493},{"word":"alright","start":200.93001,"end":201.33,"confidence":0.99610734,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2902126908302307},{"word":"perfect","start":201.33,"end":201.73001,"confidence":0.9988446,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.31519031524658203},{"word":"won't","start":201.73001,"end":201.89,"confidence":0.9526881,"punctuated_word":"Won't","sentiment":"neutral","sentiment_score":-0.2110790014266968},{"word":"be","start":201.89,"end":202.13,"confidence":0.9966594,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3953592777252197},{"word":"one","start":202.13,"end":202.29001,"confidence":0.99946517,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.4755846858024597},{"word":"moment","start":202.29001,"end":202.61,"confidence":0.9998124,"punctuated_word":"moment","sentiment":"negative","sentiment_score":-0.3357788920402527},{"word":"while","start":202.61,"end":202.77,"confidence":0.99184316,"punctuated_word":"while","sentiment":"negative","sentiment_score":-0.4342334568500519},{"word":"i","start":202.77,"end":202.85,"confidence":0.99808925,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1409696638584137},{"word":"just","start":202.85,"end":203.17,"confidence":0.93204063,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.20788249373435977},{"word":"transfer","start":203.17,"end":203.57,"confidence":0.999456,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":-0.1583113819360733},{"word":"you","start":203.57,"end":203.81,"confidence":0.99922013,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14247697591781616},{"word":"over","start":203.81,"end":204.31,"confidence":0.9983064,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":-0.03341445326805115},{"word":"k","start":205.425,"end":205.925,"confidence":0.8215541,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.07300925254821777},{"word":"thank","start":206.30501,"end":206.625,"confidence":0.9985429,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6983951330184937},{"word":"you","start":206.625,"end":207.125,"confidence":0.99899405,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.09272142499685287}],"paragraphs":{"transcript":"\nHi, Adam. Larissa from Oakview Financial. How are you going? I had you scheduled in to go through your personal statement for your insurance application this afternoon? Now is still a good time to do that?\n\nYeah. Cool. Before we jump into it, I do, I guess, wanna introduce myself. So my name is Larissa. I'm the head of financial advice.\n\nI was getting everything ready for my team to do the application today following the advice that said he gave you. And I just noticed a couple of, I guess I guess, alternatives that we could look at with the insurance. Previously, we'd recommended TAL, and I actually know that for your occupation that MetLife does do a lot better rating. And I was actually able to save you quite a bit on the policy just maneuvering it around a little bit. So I wanted to propose an alternative and go ahead with MetLife, where the power policy was gonna cost you about $1,500 for the year.\n\nMetLife's gonna cost you about a thousand. So it's a $500 savings. Yeah. I didn't think you would be too upset at that. Yeah.\n\nCool. Well, what I've done is I've updated the the advice document because I do need to get you to still authorize that change because, obviously, I can't just replace a product based on a conversation. But what I'm still gonna do is I'm actually gonna put you through to Maddie. She's gonna go through the application with you, but I just wanted to jump on the phone and make sure that from an advice perspective, I was explaining that we had made that change. Now I guess the biggest change that I have made is where we previously recommended 1,000,000 of life insurance and 280,000 of total permanent disability, and there was gonna be a buyback attached.\n\nSo it meant that if you ever went through a TPD claim, your life insurance policy would actually decrease by $280,000 for a twelve month period, and then the policy after twelve months would pop back up to a $1,000,000. What I'm actually proposing we do is we write 1,280,000 of life insurance, 280,000 worth And then what we would do from there is what we would do from there with no buyback is that at the at the time, if you did ever go to claim for your TPD, you would claim out your TPD for 280,000, and your life insurance would just decrease to the million dollars. So same same outcome. You just don't have to go through a buyback period or, you know, be without that 280 on that life policy. So still the same outcome very, very much.\n\nIt just gives you a lot better premium for you. Does that make sense? Oh, sorry. I think I've lost you there. Are you still there, Adam?\n\nYeah. Cool. Does that all all make sense? Okay. Perfect.\n\nSo what I'll do is I'll I'll I'll send the documents to you now, but I'll transfer you over to Madison, and she will be able to go through that actual application with you now. Okay? Alright. Perfect. Won't be one moment while I just transfer you over.\n\nK. Thank you.","paragraphs":[{"sentences":[{"text":"Hi, Adam.","start":4.16,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.26474013179540634},{"text":"Larissa from Oakview Financial.","start":5.3599997,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.27316997200250626},{"text":"How are you going?","start":6.7999997,"end":7.7,"sentiment":"positive","sentiment_score":0.33472437411546707},{"text":"I had you scheduled in to go through your personal statement for your insurance application this afternoon?","start":11.12,"end":18.735,"sentiment":"neutral","sentiment_score":0.14065606278531692},{"text":"Now is still a good time to do that?","start":21.115,"end":23.055,"sentiment":"neutral","sentiment_score":0.2835860086811913}],"sentiment":"neutral","sentiment_score":0.21956902204288375,"num_words":36,"start":4.16,"end":23.055},{"sentences":[{"text":"Yeah.","start":25.035,"end":25.435001,"sentiment":"neutral","sentiment_score":0.31009161472320557},{"text":"Cool.","start":25.435001,"end":25.935001,"sentiment":"positive","sentiment_score":0.477039635181427},{"text":"Before we jump into it, I do, I guess, wanna introduce myself.","start":25.994999,"end":29.43,"sentiment":"neutral","sentiment_score":0.22453573470314345},{"text":"So my name is Larissa.","start":29.43,"end":30.39,"sentiment":"neutral","sentiment_score":0.2357303887605667},{"text":"I'm the head of financial advice.","start":30.39,"end":31.85,"sentiment":"neutral","sentiment_score":0.25918753693501156}],"sentiment":"neutral","sentiment_score":0.24861348927021026,"num_words":25,"start":25.035,"end":31.85},{"sentences":[{"text":"I was getting everything ready for my team to do the application today following the advice that said he gave you.","start":32.63,"end":39.19,"sentiment":"positive","sentiment_score":0.3510062928710665},{"text":"And I just noticed a couple of, I guess I guess, alternatives that we could look at with the insurance.","start":39.19,"end":45.605,"sentiment":"neutral","sentiment_score":0.18570355027914048},{"text":"Previously, we'd recommended TAL, and I actually know that for your occupation that MetLife does do a lot better rating.","start":45.905,"end":52.965,"sentiment":"neutral","sentiment_score":0.21404841765761376},{"text":"And I was actually able to save you quite a bit on the policy just maneuvering it around a little bit.","start":53.585,"end":60.14,"sentiment":"positive","sentiment_score":0.4026968351432255},{"text":"So I wanted to propose an alternative and go ahead with MetLife, where the power policy was gonna cost you about $1,500 for the year.","start":61.559998,"end":70.06,"sentiment":"neutral","sentiment_score":0.17246389180421828}],"sentiment":"neutral","sentiment_score":0.2629383396461745,"num_words":107,"start":32.63,"end":70.06},{"sentences":[{"text":"MetLife's gonna cost you about a thousand.","start":70.505005,"end":72.58501,"sentiment":"neutral","sentiment_score":0.22931059982095445},{"text":"So it's a $500 savings.","start":72.58501,"end":74.205,"sentiment":"neutral","sentiment_score":0.30421423017978666},{"text":"Yeah.","start":76.745,"end":77.065,"sentiment":"neutral","sentiment_score":0.02433549612760544},{"text":"I didn't think you would be too upset at that.","start":77.065,"end":79.725006,"sentiment":"neutral","sentiment_score":-0.29393226131796835},{"text":"Yeah.","start":82.105,"end":82.5,"sentiment":"neutral","sentiment_score":0.0680704414844513}],"sentiment":"neutral","sentiment_score":0.011638694753249487,"num_words":24,"start":70.505005,"end":82.5},{"sentences":[{"text":"Cool.","start":82.66,"end":82.98,"sentiment":"neutral","sentiment_score":0.18922314047813416},{"text":"Well, what I've done is I've updated the the advice document because I do need to get you to still authorize that change because, obviously, I can't just replace a product based on a conversation.","start":82.98,"end":91.24,"sentiment":"neutral","sentiment_score":0.02575582308428628},{"text":"But what I'm still gonna do is I'm actually gonna put you through to Maddie.","start":91.7,"end":94.515,"sentiment":"neutral","sentiment_score":0.04644736970464389},{"text":"She's gonna go through the application with you, but I just wanted to jump on the phone and make sure that from an advice perspective, I was explaining that we had made that change.","start":94.595,"end":102.455,"sentiment":"neutral","sentiment_score":0.08379324437940822},{"text":"Now I guess the biggest change that I have made is where we previously recommended 1,000,000 of life insurance and 280,000 of total permanent disability, and there was gonna be a buyback attached.","start":102.595,"end":113.07,"sentiment":"neutral","sentiment_score":-0.0175989174255819}],"sentiment":"neutral","sentiment_score":0.034369436676724485,"num_words":118,"start":82.66,"end":113.07},{"sentences":[{"text":"So it meant that if you ever went through a TPD claim, your life insurance policy would actually decrease by $280,000 for a twelve month period, and then the policy after twelve months would pop back up to a $1,000,000.","start":113.07,"end":125.475,"sentiment":"neutral","sentiment_score":-0.09355142042040825},{"text":"What I'm actually proposing we do is we write 1,280,000 of life insurance, 280,000 worth And then what we would do from there is what we would do from there with no buyback is that at the at the time, if you did ever go to claim for your TPD, you would claim out your TPD for 280,000, and your life insurance would just decrease to the million dollars.","start":125.935,"end":157.52501,"sentiment":"neutral","sentiment_score":0.0030601945337906914},{"text":"So same same outcome.","start":157.52501,"end":158.82501,"sentiment":"neutral","sentiment_score":0.013820915017277002},{"text":"You just don't have to go through a buyback period or, you know, be without that 280 on that life policy.","start":159.445,"end":164.585,"sentiment":"neutral","sentiment_score":-0.08177100547722407},{"text":"So still the same outcome very, very much.","start":165.26,"end":167.5,"sentiment":"neutral","sentiment_score":0.2720375517383218}],"sentiment":"neutral","sentiment_score":-0.02124303123261124,"num_words":142,"start":113.07,"end":167.5},{"sentences":[{"text":"It just gives you a lot better premium for you.","start":167.5,"end":170.72,"sentiment":"neutral","sentiment_score":0.2892848923802376},{"text":"Does that make sense?","start":172.78,"end":173.92,"sentiment":"neutral","sentiment_score":0.08789215236902237},{"text":"Oh, sorry.","start":177.26,"end":178.4,"sentiment":"neutral","sentiment_score":-0.0782243199646473},{"text":"I think I've lost you there.","start":178.45999,"end":180.08,"sentiment":"neutral","sentiment_score":-0.16869651774565378},{"text":"Are you still there, Adam?","start":180.60501,"end":181.74501,"sentiment":"neutral","sentiment_score":-0.06027860566973686}],"sentiment":"neutral","sentiment_score":0.0657183984639468,"num_words":27,"start":167.5,"end":181.74501},{"sentences":[{"text":"Yeah.","start":184.52501,"end":185.005,"sentiment":"neutral","sentiment_score":0.08769541233778},{"text":"Cool.","start":185.005,"end":185.505,"sentiment":"neutral","sentiment_score":0.18047651648521423},{"text":"Does that all all make sense?","start":185.645,"end":187.265,"sentiment":"neutral","sentiment_score":0.13830086837212244},{"text":"Okay.","start":189.325,"end":189.80501,"sentiment":"neutral","sentiment_score":0.2175769209861755},{"text":"Perfect.","start":189.80501,"end":190.285,"sentiment":"positive","sentiment_score":0.4019718170166016}],"sentiment":"neutral","sentiment_score":0.1717525877058506,"num_words":10,"start":184.52501,"end":190.285},{"sentences":[{"text":"So what I'll do is I'll I'll I'll send the documents to you now, but I'll transfer you over to Madison, and she will be able to go through that actual application with you now.","start":190.285,"end":199.51001,"sentiment":"neutral","sentiment_score":0.22361641355923245},{"text":"Okay?","start":199.73001,"end":200.23001,"sentiment":"neutral","sentiment_score":0.1036335676908493},{"text":"Alright.","start":200.93001,"end":201.33,"sentiment":"neutral","sentiment_score":0.2902126908302307},{"text":"Perfect.","start":201.33,"end":201.73001,"sentiment":"neutral","sentiment_score":0.31519031524658203},{"text":"Won't be one moment while I just transfer you over.","start":201.73001,"end":204.31,"sentiment":"neutral","sentiment_score":-0.25350902825593946}],"sentiment":"neutral","sentiment_score":0.12501084928711256,"num_words":48,"start":190.285,"end":204.31},{"sentences":[{"text":"K.","start":205.425,"end":205.925,"sentiment":"neutral","sentiment_score":0.07300925254821777},{"text":"Thank you.","start":206.30501,"end":207.125,"sentiment":"neutral","sentiment_score":0.3028368540108204}],"sentiment":"neutral","sentiment_score":0.2262276535232862,"num_words":3,"start":205.425,"end":207.125}]}}]},{"alternatives":[{"transcript":"Alright. Give me time. Okay. Thanks. How can I help you? Okay. Yeah. Yeah. Okay. Yeah. Yeah. Okay. Yep. Yeah. No. Yeah. Yeah. Okay. Yeah. I am. Yep. Yep. Yeah. Okay.","confidence":0.9652157,"words":[{"word":"alright","start":0.0,"end":0.5,"confidence":0.64279735,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.18767563998699188},{"word":"give","start":1.52,"end":1.76,"confidence":0.241162,"punctuated_word":"Give","sentiment":"neutral","sentiment_score":0.16778051853179932},{"word":"me","start":1.76,"end":1.8399999,"confidence":0.9992256,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16201892495155334},{"word":"time","start":1.8399999,"end":2.34,"confidence":0.9846977,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.18899224698543549},{"word":"okay","start":8.32,"end":8.639999,"confidence":0.9517218,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.3242805302143097},{"word":"thanks","start":8.639999,"end":8.96,"confidence":0.99560225,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.6157665252685547},{"word":"how","start":8.96,"end":9.12,"confidence":0.99853635,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.34238046407699585},{"word":"can","start":9.12,"end":9.28,"confidence":0.9996333,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3575765788555145},{"word":"i","start":9.28,"end":9.36,"confidence":0.9991792,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4068616032600403},{"word":"help","start":9.36,"end":9.5199995,"confidence":0.99988306,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.47099438309669495},{"word":"you","start":9.5199995,"end":10.0199995,"confidence":0.9969178,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.43973666429519653},{"word":"okay","start":19.835,"end":20.235,"confidence":0.81607395,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10722558200359344},{"word":"yeah","start":20.235,"end":20.735,"confidence":0.93685204,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14225299656391144},{"word":"yeah","start":23.675,"end":23.915,"confidence":0.8077352,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12733881175518036},{"word":"okay","start":23.915,"end":24.235,"confidence":0.9243673,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1329217255115509},{"word":"yeah","start":24.235,"end":24.735,"confidence":0.9764216,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17545007169246674},{"word":"yeah","start":60.91,"end":61.41,"confidence":0.9891082,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14396224915981293},{"word":"okay","start":75.225006,"end":75.625,"confidence":0.93659407,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1291273832321167},{"word":"yep","start":75.625,"end":76.125,"confidence":0.74911326,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10962818562984468},{"word":"yeah","start":80.58501,"end":81.065,"confidence":0.98602754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10849039256572723},{"word":"no","start":81.065,"end":81.565,"confidence":0.96351695,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1635461002588272},{"word":"yeah","start":160.035,"end":160.535,"confidence":0.98118114,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.041423723101615906},{"word":"yeah","start":165.55501,"end":166.05501,"confidence":0.8339377,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09010569751262663},{"word":"okay","start":171.87,"end":172.37,"confidence":0.9663902,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10789713263511658},{"word":"yeah","start":174.75,"end":175.25,"confidence":0.91427743,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.001992195844650269},{"word":"i","start":183.345,"end":183.505,"confidence":0.9217638,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.023894626647233963},{"word":"am","start":183.505,"end":183.825,"confidence":0.99811625,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":-0.010194055736064913},{"word":"yep","start":183.825,"end":184.325,"confidence":0.94036865,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.044024690985679626},{"word":"yep","start":188.305,"end":188.805,"confidence":0.94338614,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0991869792342186},{"word":"yeah","start":200.04,"end":200.54,"confidence":0.9801531,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14408491551876068},{"word":"okay","start":204.92,"end":205.42,"confidence":0.9652157,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08242389559745789}],"paragraphs":{"transcript":"\nAlright. Give me time. Okay. Thanks. How can I help you?\n\nOkay. Yeah. Yeah. Okay. Yeah.\n\nYeah. Okay. Yep. Yeah. No.\n\nYeah. Yeah. Okay. Yeah. I am.\n\nYep. Yep. Yeah. Okay.","paragraphs":[{"sentences":[{"text":"Alright.","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.18767563998699188},{"text":"Give me time.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.17293056348959604},{"text":"Okay.","start":8.32,"end":8.639999,"sentiment":"neutral","sentiment_score":0.3242805302143097},{"text":"Thanks.","start":8.639999,"end":8.96,"sentiment":"positive","sentiment_score":0.6157665252685547},{"text":"How can I help you?","start":8.96,"end":10.0199995,"sentiment":"positive","sentiment_score":0.40350993871688845}],"sentiment":"neutral","sentiment_score":0.33309673450209876,"num_words":11,"start":0.0,"end":10.0199995},{"sentences":[{"text":"Okay.","start":19.835,"end":20.235,"sentiment":"neutral","sentiment_score":0.10722558200359344},{"text":"Yeah.","start":20.235,"end":20.735,"sentiment":"neutral","sentiment_score":0.14225299656391144},{"text":"Yeah.","start":23.675,"end":23.915,"sentiment":"neutral","sentiment_score":0.12733881175518036},{"text":"Okay.","start":23.915,"end":24.235,"sentiment":"neutral","sentiment_score":0.1329217255115509},{"text":"Yeah.","start":24.235,"end":24.735,"sentiment":"neutral","sentiment_score":0.17545007169246674}],"sentiment":"neutral","sentiment_score":0.13703783750534057,"num_words":5,"start":19.835,"end":24.735},{"sentences":[{"text":"Yeah.","start":60.91,"end":61.41,"sentiment":"neutral","sentiment_score":0.14396224915981293},{"text":"Okay.","start":75.225006,"end":75.625,"sentiment":"neutral","sentiment_score":0.1291273832321167},{"text":"Yep.","start":75.625,"end":76.125,"sentiment":"neutral","sentiment_score":0.10962818562984468},{"text":"Yeah.","start":80.58501,"end":81.065,"sentiment":"neutral","sentiment_score":-0.10849039256572723},{"text":"No.","start":81.065,"end":81.565,"sentiment":"neutral","sentiment_score":-0.1635461002588272}],"sentiment":"neutral","sentiment_score":0.02213626503944397,"num_words":5,"start":60.91,"end":81.565},{"sentences":[{"text":"Yeah.","start":160.035,"end":160.535,"sentiment":"neutral","sentiment_score":-0.041423723101615906},{"text":"Yeah.","start":165.55501,"end":166.05501,"sentiment":"neutral","sentiment_score":0.09010569751262663},{"text":"Okay.","start":171.87,"end":172.37,"sentiment":"neutral","sentiment_score":0.10789713263511658},{"text":"Yeah.","start":174.75,"end":175.25,"sentiment":"neutral","sentiment_score":-0.001992195844650269},{"text":"I am.","start":183.345,"end":183.825,"sentiment":"neutral","sentiment_score":-0.017044341191649437}],"sentiment":"neutral","sentiment_score":0.02008303813636303,"num_words":6,"start":160.035,"end":183.825},{"sentences":[{"text":"Yep.","start":183.825,"end":184.325,"sentiment":"neutral","sentiment_score":0.044024690985679626},{"text":"Yep.","start":188.305,"end":188.805,"sentiment":"neutral","sentiment_score":0.0991869792342186},{"text":"Yeah.","start":200.04,"end":200.54,"sentiment":"neutral","sentiment_score":0.14408491551876068},{"text":"Okay.","start":204.92,"end":205.42,"sentiment":"neutral","sentiment_score":0.08242389559745789}],"sentiment":"neutral","sentiment_score":0.0924301203340292,"num_words":4,"start":183.825,"end":205.42}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Alright. Give me time.\n\nChannel 0: Hi, Adam. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Okay. Thanks. How can I help you?\n\nChannel 0: I had you scheduled in to go through your personal statement for your insurance application this afternoon?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Now is still a good time to do that?\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Yeah. Cool. Before we jump into it, I do, I guess, wanna introduce myself. So my name is Larissa. I'm the head of financial advice.\n\nI was getting everything ready for my team to do the application today following the advice that said he gave you. And I just noticed a couple of, I guess I guess, alternatives that we could look at with the insurance. Previously, we'd recommended TAL, and I actually know that for your occupation that MetLife does do a lot better rating. And I was actually able to save you quite a bit on the policy just maneuvering it around a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: So I wanted to propose an alternative and go ahead with MetLife, where the power policy was gonna cost you about $1,500 for the year. MetLife's gonna cost you about a thousand. So it's a $500 savings.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. I didn't think you would be too upset at that.\n\nChannel 1: Yeah. No.\n\nChannel 0: Yeah. Cool. Well, what I've done is I've updated the the advice document because I do need to get you to still authorize that change because, obviously, I can't just replace a product based on a conversation. But what I'm still gonna do is I'm actually gonna put you through to Maddie. She's gonna go through the application with you, but I just wanted to jump on the phone and make sure that from an advice perspective, I was explaining that we had made that change.\n\nNow I guess the biggest change that I have made is where we previously recommended 1,000,000 of life insurance and 280,000 of total permanent disability, and there was gonna be a buyback attached. So it meant that if you ever went through a TPD claim, your life insurance policy would actually decrease by $280,000 for a twelve month period, and then the policy after twelve months would pop back up to a $1,000,000. What I'm actually proposing we do is we write 1,280,000 of life insurance, 280,000 worth And then what we would do from there is what we would do from there with no buyback is that at the at the time, if you did ever go to claim for your TPD, you would claim out your TPD for 280,000, and your life insurance would just decrease to the million dollars. So same same outcome. You just don't have\n\nChannel 1: Yeah.\n\nChannel 0: to go through a buyback period or, you know, be without that 280 on that life policy. So\n\nChannel 1: Yeah.\n\nChannel 0: still the same outcome very, very much. It just gives you a lot better premium for you.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Oh, sorry. I think I've lost you there. Are you still there, Adam?\n\nChannel 1: I am. Yep.\n\nChannel 0: Yeah. Cool. Does that all all make sense?\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. So what I'll do is I'll I'll I'll send the documents to you now, but I'll transfer you over to Madison, and she will be able to go through that actual application with you now. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Perfect. Won't be one moment while I just transfer you over.\n\nChannel 1: Okay.\n\nChannel 0: K. Thank you.","paragraphs":[{"sentences":[{"text":"Alright.","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.18767563998699188},{"text":"Give me time.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.17293056348959604}],"sentiment":"neutral","sentiment_score":0.176616832613945,"channel":1,"num_words":4,"start":0.0,"end":2.34},{"sentences":[{"text":"Hi, Adam.","start":4.16,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.26474013179540634},{"text":"Larissa from Oakview Financial.","start":5.3599997,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.27316997200250626},{"text":"How are you going?","start":6.7999997,"end":7.7,"sentiment":"positive","sentiment_score":0.33472437411546707}],"sentiment":"neutral","sentiment_score":0.2961057648062706,"channel":0,"num_words":10,"start":4.16,"end":7.7},{"sentences":[{"text":"Okay.","start":8.32,"end":8.639999,"sentiment":"neutral","sentiment_score":0.3242805302143097},{"text":"Thanks.","start":8.639999,"end":8.96,"sentiment":"positive","sentiment_score":0.6157665252685547},{"text":"How can I help you?","start":8.96,"end":10.0199995,"sentiment":"positive","sentiment_score":0.40350993871688845}],"sentiment":"positive","sentiment_score":0.4225138212953295,"channel":1,"num_words":7,"start":8.32,"end":10.0199995},{"sentences":[{"text":"I had you scheduled in to go through your personal statement for your insurance application this afternoon?","start":11.12,"end":18.735,"sentiment":"neutral","sentiment_score":0.14065606278531692}],"sentiment":"neutral","sentiment_score":0.14065606278531692,"channel":0,"num_words":17,"start":11.12,"end":18.735},{"sentences":[{"text":"Okay.","start":19.835,"end":20.235,"sentiment":"neutral","sentiment_score":0.10722558200359344},{"text":"Yeah.","start":20.235,"end":20.735,"sentiment":"neutral","sentiment_score":0.14225299656391144}],"sentiment":"neutral","sentiment_score":0.12473928928375244,"channel":1,"num_words":2,"start":19.835,"end":20.735},{"sentences":[{"text":"Now is still a good time to do that?","start":21.115,"end":23.055,"sentiment":"neutral","sentiment_score":0.2835860086811913}],"sentiment":"neutral","sentiment_score":0.2835860086811913,"channel":0,"num_words":9,"start":21.115,"end":23.055},{"sentences":[{"text":"Yeah.","start":23.675,"end":23.915,"sentiment":"neutral","sentiment_score":0.12733881175518036},{"text":"Okay.","start":23.915,"end":24.235,"sentiment":"neutral","sentiment_score":0.1329217255115509},{"text":"Yeah.","start":24.235,"end":24.735,"sentiment":"neutral","sentiment_score":0.17545007169246674}],"sentiment":"neutral","sentiment_score":0.145236869653066,"channel":1,"num_words":3,"start":23.675,"end":24.735},{"sentences":[{"text":"Yeah.","start":25.035,"end":25.435001,"sentiment":"neutral","sentiment_score":0.31009161472320557},{"text":"Cool.","start":25.435001,"end":25.935001,"sentiment":"positive","sentiment_score":0.477039635181427},{"text":"Before we jump into it, I do, I guess, wanna introduce myself.","start":25.994999,"end":29.43,"sentiment":"neutral","sentiment_score":0.22453573470314345},{"text":"So my name is Larissa.","start":29.43,"end":30.39,"sentiment":"neutral","sentiment_score":0.2357303887605667},{"text":"I'm the head of financial advice.","start":30.39,"end":31.85,"sentiment":"neutral","sentiment_score":0.25918753693501156}],"sentiment":"neutral","sentiment_score":0.24861348927021026,"channel":0,"num_words":25,"start":25.035,"end":31.85},{"sentences":[{"text":"I was getting everything ready for my team to do the application today following the advice that said he gave you.","start":32.63,"end":39.19,"sentiment":"positive","sentiment_score":0.3510062928710665},{"text":"And I just noticed a couple of, I guess I guess, alternatives that we could look at with the insurance.","start":39.19,"end":45.605,"sentiment":"neutral","sentiment_score":0.18570355027914048},{"text":"Previously, we'd recommended TAL, and I actually know that for your occupation that MetLife does do a lot better rating.","start":45.905,"end":52.965,"sentiment":"neutral","sentiment_score":0.21404841765761376},{"text":"And I was actually able to save you quite a bit on the policy just maneuvering it around a little bit.","start":53.585,"end":60.14,"sentiment":"positive","sentiment_score":0.4026968351432255}],"sentiment":"neutral","sentiment_score":0.29052201276872214,"channel":0,"num_words":82,"start":32.63,"end":60.14},{"sentences":[{"text":"Yeah.","start":60.91,"end":61.41,"sentiment":"neutral","sentiment_score":0.14396224915981293}],"sentiment":"neutral","sentiment_score":0.14396224915981293,"channel":1,"num_words":1,"start":60.91,"end":61.41},{"sentences":[{"text":"So I wanted to propose an alternative and go ahead with MetLife, where the power policy was gonna cost you about $1,500 for the year.","start":61.559998,"end":70.06,"sentiment":"neutral","sentiment_score":0.17246389180421828},{"text":"MetLife's gonna cost you about a thousand.","start":70.505005,"end":72.58501,"sentiment":"neutral","sentiment_score":0.22931059982095445},{"text":"So it's a $500 savings.","start":72.58501,"end":74.205,"sentiment":"neutral","sentiment_score":0.30421423017978666}],"sentiment":"neutral","sentiment_score":0.2010227741824614,"channel":0,"num_words":37,"start":61.559998,"end":74.205},{"sentences":[{"text":"Okay.","start":75.225006,"end":75.625,"sentiment":"neutral","sentiment_score":0.1291273832321167},{"text":"Yep.","start":75.625,"end":76.125,"sentiment":"neutral","sentiment_score":0.10962818562984468}],"sentiment":"neutral","sentiment_score":0.11937778443098068,"channel":1,"num_words":2,"start":75.225006,"end":76.125},{"sentences":[{"text":"Yeah.","start":76.745,"end":77.065,"sentiment":"neutral","sentiment_score":0.02433549612760544},{"text":"I didn't think you would be too upset at that.","start":77.065,"end":79.725006,"sentiment":"neutral","sentiment_score":-0.29393226131796835}],"sentiment":"neutral","sentiment_score":-0.2649988288229162,"channel":0,"num_words":11,"start":76.745,"end":79.725006},{"sentences":[{"text":"Yeah.","start":80.58501,"end":81.065,"sentiment":"neutral","sentiment_score":-0.10849039256572723},{"text":"No.","start":81.065,"end":81.565,"sentiment":"neutral","sentiment_score":-0.1635461002588272}],"sentiment":"neutral","sentiment_score":-0.13601824641227722,"channel":1,"num_words":2,"start":80.58501,"end":81.565},{"sentences":[{"text":"Yeah.","start":82.105,"end":82.5,"sentiment":"neutral","sentiment_score":0.0680704414844513},{"text":"Cool.","start":82.66,"end":82.98,"sentiment":"neutral","sentiment_score":0.18922314047813416},{"text":"Well, what I've done is I've updated the the advice document because I do need to get you to still authorize that change because, obviously, I can't just replace a product based on a conversation.","start":82.98,"end":91.24,"sentiment":"neutral","sentiment_score":0.02575582308428628},{"text":"But what I'm still gonna do is I'm actually gonna put you through to Maddie.","start":91.7,"end":94.515,"sentiment":"neutral","sentiment_score":0.04644736970464389},{"text":"She's gonna go through the application with you, but I just wanted to jump on the phone and make sure that from an advice perspective, I was explaining that we had made that change.","start":94.595,"end":102.455,"sentiment":"neutral","sentiment_score":0.08379324437940822}],"sentiment":"neutral","sentiment_score":0.054702654004443525,"channel":0,"num_words":86,"start":82.105,"end":102.455},{"sentences":[{"text":"Now I guess the biggest change that I have made is where we previously recommended 1,000,000 of life insurance and 280,000 of total permanent disability, and there was gonna be a buyback attached.","start":102.595,"end":113.07,"sentiment":"neutral","sentiment_score":-0.0175989174255819},{"text":"So it meant that if you ever went through a TPD claim, your life insurance policy would actually decrease by $280,000 for a twelve month period, and then the policy after twelve months would pop back up to a $1,000,000.","start":113.07,"end":125.475,"sentiment":"neutral","sentiment_score":-0.09355142042040825},{"text":"What I'm actually proposing we do is we write 1,280,000 of life insurance, 280,000 worth And then what we would do from there is what we would do from there with no buyback is that at the at the time, if you did ever go to claim for your TPD, you would claim out your TPD for 280,000, and your life insurance would just decrease to the million dollars.","start":125.935,"end":157.52501,"sentiment":"neutral","sentiment_score":0.0030601945337906914},{"text":"So same same outcome.","start":157.52501,"end":158.82501,"sentiment":"neutral","sentiment_score":0.013820915017277002},{"text":"You just don't have","start":159.445,"end":160.16501,"sentiment":"neutral","sentiment_score":-0.025985198095440865}],"sentiment":"neutral","sentiment_score":-0.02773549867561087,"channel":0,"num_words":150,"start":102.595,"end":160.16501},{"sentences":[{"text":"Yeah.","start":160.035,"end":160.535,"sentiment":"neutral","sentiment_score":-0.041423723101615906}],"sentiment":"neutral","sentiment_score":-0.041423723101615906,"channel":1,"num_words":1,"start":160.035,"end":160.535},{"sentences":[{"text":"to go through a buyback period or, you know, be without that 280 on that life policy.","start":160.16501,"end":164.585,"sentiment":"neutral","sentiment_score":-0.09489707780234954},{"text":"So","start":165.26,"end":165.58,"sentiment":"neutral","sentiment_score":0.023918457329273224}],"sentiment":"neutral","sentiment_score":-0.08829621473948161,"channel":0,"num_words":18,"start":160.16501,"end":165.58},{"sentences":[{"text":"Yeah.","start":165.55501,"end":166.05501,"sentiment":"neutral","sentiment_score":0.09010569751262663}],"sentiment":"neutral","sentiment_score":0.09010569751262663,"channel":1,"num_words":1,"start":165.55501,"end":166.05501},{"sentences":[{"text":"still the same outcome very, very much.","start":165.58,"end":167.5,"sentiment":"neutral","sentiment_score":0.30748313665390015},{"text":"It just gives you a lot better premium for you.","start":167.5,"end":170.72,"sentiment":"neutral","sentiment_score":0.2892848923802376}],"sentiment":"neutral","sentiment_score":0.29677828708115744,"channel":0,"num_words":17,"start":165.58,"end":170.72},{"sentences":[{"text":"Okay.","start":171.87,"end":172.37,"sentiment":"neutral","sentiment_score":0.10789713263511658}],"sentiment":"neutral","sentiment_score":0.10789713263511658,"channel":1,"num_words":1,"start":171.87,"end":172.37},{"sentences":[{"text":"Does that make sense?","start":172.78,"end":173.92,"sentiment":"neutral","sentiment_score":0.08789215236902237}],"sentiment":"neutral","sentiment_score":0.08789215236902237,"channel":0,"num_words":4,"start":172.78,"end":173.92},{"sentences":[{"text":"Yeah.","start":174.75,"end":175.25,"sentiment":"neutral","sentiment_score":-0.001992195844650269}],"sentiment":"neutral","sentiment_score":-0.001992195844650269,"channel":1,"num_words":1,"start":174.75,"end":175.25},{"sentences":[{"text":"Oh, sorry.","start":177.26,"end":178.4,"sentiment":"neutral","sentiment_score":-0.0782243199646473},{"text":"I think I've lost you there.","start":178.45999,"end":180.08,"sentiment":"neutral","sentiment_score":-0.16869651774565378},{"text":"Are you still there, Adam?","start":180.60501,"end":181.74501,"sentiment":"neutral","sentiment_score":-0.06027860566973686}],"sentiment":"neutral","sentiment_score":-0.11307852113476166,"channel":0,"num_words":13,"start":177.26,"end":181.74501},{"sentences":[{"text":"I am.","start":183.345,"end":183.825,"sentiment":"neutral","sentiment_score":-0.017044341191649437},{"text":"Yep.","start":183.825,"end":184.325,"sentiment":"neutral","sentiment_score":0.044024690985679626}],"sentiment":"neutral","sentiment_score":0.003312002867460251,"channel":1,"num_words":3,"start":183.345,"end":184.325},{"sentences":[{"text":"Yeah.","start":184.52501,"end":185.005,"sentiment":"neutral","sentiment_score":0.08769541233778},{"text":"Cool.","start":185.005,"end":185.505,"sentiment":"neutral","sentiment_score":0.18047651648521423},{"text":"Does that all all make sense?","start":185.645,"end":187.265,"sentiment":"neutral","sentiment_score":0.13830086837212244}],"sentiment":"neutral","sentiment_score":0.13724714238196611,"channel":0,"num_words":8,"start":184.52501,"end":187.265},{"sentences":[{"text":"Yep.","start":188.305,"end":188.805,"sentiment":"neutral","sentiment_score":0.0991869792342186}],"sentiment":"neutral","sentiment_score":0.0991869792342186,"channel":1,"num_words":1,"start":188.305,"end":188.805},{"sentences":[{"text":"Okay.","start":189.325,"end":189.80501,"sentiment":"neutral","sentiment_score":0.2175769209861755},{"text":"Perfect.","start":189.80501,"end":190.285,"sentiment":"positive","sentiment_score":0.4019718170166016},{"text":"So what I'll do is I'll I'll I'll send the documents to you now, but I'll transfer you over to Madison, and she will be able to go through that actual application with you now.","start":190.285,"end":199.51001,"sentiment":"neutral","sentiment_score":0.22361641355923245},{"text":"Okay?","start":199.73001,"end":200.23001,"sentiment":"neutral","sentiment_score":0.1036335676908493}],"sentiment":"neutral","sentiment_score":0.22499359948070427,"channel":0,"num_words":38,"start":189.325,"end":200.23001},{"sentences":[{"text":"Yeah.","start":200.04,"end":200.54,"sentiment":"neutral","sentiment_score":0.14408491551876068}],"sentiment":"neutral","sentiment_score":0.14408491551876068,"channel":1,"num_words":1,"start":200.04,"end":200.54},{"sentences":[{"text":"Alright.","start":200.93001,"end":201.33,"sentiment":"neutral","sentiment_score":0.2902126908302307},{"text":"Perfect.","start":201.33,"end":201.73001,"sentiment":"neutral","sentiment_score":0.31519031524658203},{"text":"Won't be one moment while I just transfer you over.","start":201.73001,"end":204.31,"sentiment":"neutral","sentiment_score":-0.25350902825593946}],"sentiment":"neutral","sentiment_score":-0.16080727304021517,"channel":0,"num_words":12,"start":200.93001,"end":204.31},{"sentences":[{"text":"Okay.","start":204.92,"end":205.42,"sentiment":"neutral","sentiment_score":0.08242389559745789}],"sentiment":"neutral","sentiment_score":0.08242389559745789,"channel":1,"num_words":1,"start":204.92,"end":205.42},{"sentences":[{"text":"K.","start":205.425,"end":205.925,"sentiment":"neutral","sentiment_score":0.07300925254821777},{"text":"Thank you.","start":206.30501,"end":207.125,"sentiment":"neutral","sentiment_score":0.3028368540108204}],"sentiment":"neutral","sentiment_score":0.2262276535232862,"channel":0,"num_words":3,"start":205.425,"end":207.125}]},"summary":{"result":"success","short":"The customer, Adam, is scheduled to go through his personal statement for his insurance application. The agent, Larissa, introduces herself as the head of financial advice and explains that they have made some changes to the policy, including reducing the premium for the customer's accidental death and putting him through to Maddie to complete the application. Larissa will transfer Adam to Madison to go through the application."},"intents":{"segments":[{"text":"And I just noticed a couple of, I guess I guess, alternatives that we could look at with the insurance. Previously, we'd recommended TAL, and I actually know that for your occupation that MetLife does do a lot better rating. And I was actually able to save you quite a bit on the policy just maneuvering it around a little bit. Yeah.","start_word":98,"end_word":159,"intents":[{"intent":"Inquire about changes","confidence_score":0.00007149211}]},{"text":"Now I guess the biggest change that I have made is where we previously recommended 1,000,000 of life insurance and 280,000 of total permanent disability, and there was gonna be a buyback attached.","start_word":298,"end_word":330,"intents":[{"intent":"Recommend policy changes","confidence_score":0.004052149},{"intent":"Propose life insurance","confidence_score":0.06357744},{"intent":"Inquire about benefits","confidence_score":0.0027669156}]},{"text":"So what I'll do is I'll I'll I'll send the documents to you now, but I'll transfer you over to Madison, and she will be able to go through that actual application with you now. Okay? Yeah.","start_word":518,"end_word":554,"intents":[{"intent":"Transfer call to madison","confidence_score":0.31131274}]}]},"sentiments":{"segments":[{"text":"Alright. Give me time. Hi, Adam. Larissa from Oakview Financial. How are you going? Okay.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.25972414016723633},{"text":"Thanks. How can I help you?","start_word":15,"end_word":20,"sentiment":"positive","sentiment_score":0.4611024260520935},{"text":"I had you scheduled in to go through your personal statement for your insurance application this afternoon? Okay. Yeah. Now is still a good time to do that? Yeah. Okay. Yeah. Yeah.","start_word":21,"end_word":52,"sentiment":"neutral","sentiment_score":0.18571501970291135},{"text":"Cool.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.477039635181427},{"text":"Before we jump into it, I do, I guess, wanna introduce myself. So my name is Larissa. I'm the head of financial advice.","start_word":54,"end_word":76,"sentiment":"neutral","sentiment_score":0.23640714585781095},{"text":"I was getting everything ready for my team to do the application today following the advice that said he gave you.","start_word":77,"end_word":97,"sentiment":"positive","sentiment_score":0.3462069630622864},{"text":"And I just noticed a couple of, I guess I guess, alternatives that we could look at with the insurance. Previously, we'd recommended TAL, and I actually know that for your occupation that MetLife does do a lot better rating.","start_word":98,"end_word":137,"sentiment":"neutral","sentiment_score":0.19095808267593384},{"text":"And I was actually able to save you quite a bit on the policy just maneuvering it around a little bit.","start_word":138,"end_word":158,"sentiment":"positive","sentiment_score":0.403296560049057},{"text":"Yeah. So I wanted to propose an alternative and go ahead with MetLife, where the power policy was gonna cost you about $1,500 for the year. MetLife's gonna cost you about a thousand. So it's a $500 savings. Okay. Yep. Yeah. I didn't think you would be too upset at that. Yeah. No. Yeah. Cool. Well, what I've done is I've updated the the advice document because I do need to get you to still authorize that change because, obviously, I can't just replace a product based on a conversation. But what I'm still gonna do is I'm actually gonna put you through to Maddie. She's gonna go through the application with you, but I just wanted to jump on the phone and make sure that from an advice perspective, I was explaining that we had made that change. Now I guess the biggest change that I have made is where we previously recommended 1,000,000 of life insurance and 280,000 of total permanent disability, and there was gonna be a buyback attached. So it meant that if you ever went through a TPD claim, your life insurance policy would actually decrease by $280,000 for a twelve month period, and then the policy after twelve months would pop back up to a $1,000,000. What I'm actually proposing we do is we write 1,280,000 of life insurance, 280,000 worth And then what we would do from there is what we would do from there with no buyback is that at the at the time, if you did ever go to claim for your TPD, you would claim out your TPD for 280,000, and your life insurance would just decrease to the million dollars. So same same outcome. You just don't have Yeah. to go through a buyback period or, you know, be without that 280 on that life policy. So Yeah. still the same outcome very, very much. It just gives you a lot better premium for you. Okay. Does that make sense? Yeah. Oh, sorry. I think I've lost you there. Are you still there, Adam? I am. Yep. Yeah. Cool. Does that all all make sense? Yep. Okay.","start_word":159,"end_word":516,"sentiment":"neutral","sentiment_score":0.02689386363656328},{"text":"Perfect.","start_word":517,"end_word":517,"sentiment":"positive","sentiment_score":0.4019718170166016},{"text":"So what I'll do is I'll I'll I'll send the documents to you now, but I'll transfer you over to Madison, and she will be able to go through that actual application with you now. Okay? Yeah. Alright.","start_word":518,"end_word":555,"sentiment":"neutral","sentiment_score":0.21705245971679688},{"text":"Perfect.","start_word":556,"end_word":556,"sentiment":"positive","sentiment_score":0.4721446633338928},{"text":"Won't be one moment while I just transfer you over. Okay. K.","start_word":557,"end_word":568,"sentiment":"neutral","sentiment_score":-0.16060419380664823},{"text":"Thank you.","start_word":569,"end_word":570,"sentiment":"positive","sentiment_score":0.666606605052948}],"average":{"sentiment":"neutral","sentiment_score":0.10583055898412232}}}}