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And and if I could go through security, if you if I've still got you at a good time. Perfect. Just full name, date of birth, and address, please. That that's the one I've got. Okay. So I guess lay it on me. What how come the drastic decision to flip and move? Like, we we were we were going back to to Europe, and then we decided to full $3.60, $1.80 flip. And yep. Yep. Yeah. Yeah. We we were loving on Europe. Yeah. Yep. I love perfection. What's that? Okay. I like it. Alright. Well, I guess, like, advice wise, I put everything together. I then re put everything together to no. You're you're so fine. To accommodate for the motor home purchase. So we had a 164. I've obviously taken $60 out of the motor home out for the motor home, so we have a 104 in cash. What I've looked at overall is ultimately, a, I really wanna do an investment change on your super fund. That's a major part of it. It's just updating the portfolio, getting rid of some of the assets that just aren't really cutting the grade, rebalancing things out a lot more, and just getting some some balance and and get some, like, you know, returns happening. One of the assets, it it it's just it hasn't really returned after it had a major drop. So I just wanna cut that out completely. I just don't wanna sit on it anymore. So wanna do that, which overall drops down the investment fees, which is nice. So a bit of a cost savings there. And then I wanna set up the two accounts. So, originally, I was going to put $90 into an investment account for you because we bought the van. I dropped that to 30 because that's realistically all that's remaining when I consider the fact that you still need to have cash to live on. Yeah. Yeah. Yeah. It's just if anything pops up, if we decide to to, you know, do anything, if the van anything that way, That means we're not dipping in. And then I've got $10 going to the Generation Life investment bond. From there, and I guess it's a little bit because circumstances changed, and you're staying in Australia now, whether we look at maybe doing a bit of a savings plan towards those accounts ongoing where we can put, you know, $50 in a week or, you know, whatever the case may be, cash flow wise, that you have the ability to afford depending on what our expenses are gonna be. And it might be same maybe a conversation in three to six months once you're on the road where, you know, we can just we can set up the the contribution. That's it's nice and easy. So I just didn't wanna sort of, like, recommend it until we knew where your cash flow kinda sat and what the expenses were gonna sit at because we went drastically left field. But that's in the crux of it where everything fits. Now we've talked about it previously about keeping the insurance in your uni super. I know the preference was that you did wanna keep it, so I've left it there for now. But mhmm. Yep. Yes. Yep. Yeah. Which we can definitely do. Because, like, the UniSuper, it's, like, it's half a million of life, half a million of PPD, and then you've got the, like, the protection, which is a ninety day five year. And then we've got our life TPD IP, which is 300 life 300 TPD, and then our IP, which is thirty days to age 65 with ClearView. Sorry. Mental blank there. We with ClearView. So kinda like, realistically, currently, if anything happens, there's, you know, like, $800,000 that is payable to your estate, which sounds good and great, but it's you know, it is also digging into what we wanna do to put money away for you. So do you want to I I guess, because when we spoke when we've spoken over, like, over the past twelve months, fourteen, fifteen months, I guess the concern was is it making sure that something was there for Ryla? Rylann. Rylann. I know he said Riker, which is one of my mate's friends. No. One of my mate's kids, but Rylann. Yeah. Making sure that something's there for Rylan, making sure that you've you've you've got things there for him, but at the same time, we wanna save for you. We wanna put money away for you. We wanna make sure that we can grow the assets that you have and the two policies with the split accounts gets you there. Don't get me wrong, but it's not as strong as if we consolidate everything. And it's got the longer it's got the longer waiting the the longer benefit period if anything happens to you with income protection as well. We can we can cancel it now. So we we went on premium freeze. We can cancel it now, and we could look at once you return to work, applying for the policy again. Just the the income protection. We'd keep the life cover most certainly. And yeah. And we we'd just just the income protection is because it's it's linked to your job and replacing income that you don't currently have. But we went on premium freeze. The only risks in canceling it are that we like, it we have to rewrite the policy later. So we just have to go through all the medical, like, the medical questions and stuff like that. Not a biggie so long as all your health and everything stay the same. Yep. No. I think when you return to work, we just we look at rewriting all of it. We look at new providers on the market. We'll have a look at, you know, getting you know, see if we we can decrease the premium, see what we can do in that area when you return to work. Take a whole new look at it. Yep. Cool. Alright. So let me amend the document again and get it through to you again. It's currently sitting with you for signing, so you can have a read over it anyway. But it's probably sitting in your junk folder, to be honest. It I sent it through the signing software, so that way it was a win one. But what I'll do is I'll I'll update everything following our conversation today. Your acceptance to consolidate, get rid of uni, and we'll cancel the IP, and we'll go from there. And then what I'll do is once I get that through to you, which I should be able to get through to you honestly tomorrow, I'll just make it a priority tomorrow morning. You're still here you're still here, like, in reception, not traveling for another week or so. So if I get Jack to give you a call, say, Monday, Tuesday next week, and go through the application forms for the two accounts, like the the bond like, the two bonds and get that underway with you, we can get those two set up, and we can get the money transferred and deposited into those two. Cool. Alright. I can do that. Is there a time, date, day that works better for you next week that I can get Jack onto it? That's not my calendar? Yep. Wednesday afternoon from 12:00 onwards. So would 12:00 work? Cool. Alright. I will pop that in Jack's calendar for next Wednesday at 12:00, and he can give you a call and go through the Generation Life applications. Amazing. I'll add you into the calendar invite so that way it pops up for you. Cool. Alright. I'll get the SOA spun out again, and I'll get it through to you tomorrow. No. That's okay. Email me with any questions, like, as you're reading through the document, but, yeah, we'll go from there. That's okay, my darling. We will speak soon. 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Ainsley. How are you going? You got Ainsley? Hello. How are you going?\n\nYeah. Good. Thank you. But, I guess, before we jump into it, I need to let you know our calls are recorded. And and if I could go through security, if you if I've still got you at a good time.\n\nPerfect. Just full name, date of birth, and address, please. That that's the one I've got. Okay. So I guess lay it on me.\n\nWhat how come the drastic decision to flip and move? Like, we we were we were going back to to Europe, and then we decided to full $3.60, $1.80 flip. And yep. Yep. Yeah.\n\nYeah. We we were loving on Europe. Yeah. Yep. I love perfection.\n\nWhat's that? Okay. I like it. Alright. Well, I guess, like, advice wise, I put everything together.\n\nI then re put everything together to no. You're you're so fine. To accommodate for the motor home purchase. So we had a 164. I've obviously taken $60 out of the motor home out for the motor home, so we have a 104 in cash.\n\nWhat I've looked at overall is ultimately, a, I really wanna do an investment change on your super fund. That's a major part of it. It's just updating the portfolio, getting rid of some of the assets that just aren't really cutting the grade, rebalancing things out a lot more, and just getting some some balance and and get some, like, you know, returns happening. One of the assets, it it it's just it hasn't really returned after it had a major drop. So I just wanna cut that out completely.\n\nI just don't wanna sit on it anymore. So wanna do that, which overall drops down the investment fees, which is nice. So a bit of a cost savings there. And then I wanna set up the two accounts. So, originally, I was going to put $90 into an investment account for you because we bought the van.\n\nI dropped that to 30 because that's realistically all that's remaining when I consider the fact that you still need to have cash to live on. Yeah. Yeah. Yeah. It's just if anything pops up, if we decide to to, you know, do anything, if the van anything that way, That means we're not dipping in.\n\nAnd then I've got $10 going to the Generation Life investment bond. From there, and I guess it's a little bit because circumstances changed, and you're staying in Australia now, whether we look at maybe doing a bit of a savings plan towards those accounts ongoing where we can put, you know, $50 in a week or, you know, whatever the case may be, cash flow wise, that you have the ability to afford depending on what our expenses are gonna be. And it might be same maybe a conversation in three to six months once you're on the road where, you know, we can just we can set up the the contribution. That's it's nice and easy. So I just didn't wanna sort of, like, recommend it until we knew where your cash flow kinda sat and what the expenses were gonna sit at because we went drastically left field.\n\nBut that's in the crux of it where everything fits. Now we've talked about it previously about keeping the insurance in your uni super. I know the preference was that you did wanna keep it, so I've left it there for now. But mhmm. Yep.\n\nYes. Yep. Yeah. Which we can definitely do. Because, like, the UniSuper, it's, like, it's half a million of life, half a million of PPD, and then you've got the, like, the protection, which is a ninety day five year.\n\nAnd then we've got our life TPD IP, which is 300 life 300 TPD, and then our IP, which is thirty days to age 65 with ClearView. Sorry. Mental blank there. We with ClearView. So kinda like, realistically, currently, if anything happens, there's, you know, like, $800,000 that is payable to your estate, which sounds good and great, but it's you know, it is also digging into what we wanna do to put money away for you.\n\nSo do you want to I I guess, because when we spoke when we've spoken over, like, over the past twelve months, fourteen, fifteen months, I guess the concern was is it making sure that something was there for Ryla? Rylann. Rylann. I know he said Riker, which is one of my mate's friends. No.\n\nOne of my mate's kids, but Rylann. Yeah. Making sure that something's there for Rylan, making sure that you've you've you've got things there for him, but at the same time, we wanna save for you. We wanna put money away for you. We wanna make sure that we can grow the assets that you have and the two policies with the split accounts gets you there.\n\nDon't get me wrong, but it's not as strong as if we consolidate everything. And it's got the longer it's got the longer waiting the the longer benefit period if anything happens to you with income protection as well. We can we can cancel it now. So we we went on premium freeze. We can cancel it now, and we could look at once you return to work, applying for the policy again.\n\nJust the the income protection. We'd keep the life cover most certainly. And yeah. And we we'd just just the income protection is because it's it's linked to your job and replacing income that you don't currently have. But we went on premium freeze.\n\nThe only risks in canceling it are that we like, it we have to rewrite the policy later. So we just have to go through all the medical, like, the medical questions and stuff like that. Not a biggie so long as all your health and everything stay the same. Yep. No.\n\nI think when you return to work, we just we look at rewriting all of it. We look at new providers on the market. We'll have a look at, you know, getting you know, see if we we can decrease the premium, see what we can do in that area when you return to work. Take a whole new look at it. Yep.\n\nCool. Alright. So let me amend the document again and get it through to you again. It's currently sitting with you for signing, so you can have a read over it anyway. But it's probably sitting in your junk folder, to be honest.\n\nIt I sent it through the signing software, so that way it was a win one. But what I'll do is I'll I'll update everything following our conversation today. Your acceptance to consolidate, get rid of uni, and we'll cancel the IP, and we'll go from there. And then what I'll do is once I get that through to you, which I should be able to get through to you honestly tomorrow, I'll just make it a priority tomorrow morning. You're still here you're still here, like, in reception, not traveling for another week or so.\n\nSo if I get Jack to give you a call, say, Monday, Tuesday next week, and go through the application forms for the two accounts, like the the bond like, the two bonds and get that underway with you, we can get those two set up, and we can get the money transferred and deposited into those two. Cool. Alright. I can do that. Is there a time, date, day that works better for you next week that I can get Jack onto it?\n\nThat's not my calendar? Yep. Wednesday afternoon from 12:00 onwards. So would 12:00 work? Cool.\n\nAlright. I will pop that in Jack's calendar for next Wednesday at 12:00, and he can give you a call and go through the Generation Life applications. Amazing. I'll add you into the calendar invite so that way it pops up for you. Cool.\n\nAlright. I'll get the SOA spun out again, and I'll get it through to you tomorrow. No. That's okay. Email me with any questions, like, as you're reading through the document, but, yeah, we'll go from there.\n\nThat's okay, my darling. We will speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ainsley.","start":1.92,"end":2.8,"sentiment":"neutral","sentiment_score":0.17885111272335052},{"text":"How are you going?","start":2.8,"end":3.78,"sentiment":"neutral","sentiment_score":0.25856757536530495},{"text":"You got Ainsley?","start":5.68,"end":6.74,"sentiment":"neutral","sentiment_score":0.08404076099395752},{"text":"Hello.","start":9.92,"end":10.4,"sentiment":"neutral","sentiment_score":0.1062566339969635},{"text":"How are you going?","start":10.4,"end":11.38,"sentiment":"neutral","sentiment_score":0.13570363633334637}],"sentiment":"neutral","sentiment_score":0.1637975706585816,"num_words":14,"start":1.92,"end":11.38},{"sentences":[{"text":"Yeah.","start":13.5199995,"end":14.0,"sentiment":"positive","sentiment_score":0.33534538745880127},{"text":"Good.","start":14.0,"end":14.48,"sentiment":"positive","sentiment_score":0.6299400925636292},{"text":"Thank you.","start":14.48,"end":15.299999,"sentiment":"positive","sentiment_score":0.6197472810745239},{"text":"But, I guess, before we jump into it, I need to let you know our calls are recorded.","start":20.105,"end":23.965,"sentiment":"neutral","sentiment_score":-0.007503253718217214},{"text":"And and if I could go through security, if you if I've still got you at a good time.","start":24.025,"end":28.125,"sentiment":"neutral","sentiment_score":-0.013195481666020657}],"sentiment":"neutral","sentiment_score":0.04436603228266283,"num_words":41,"start":13.5199995,"end":28.125},{"sentences":[{"text":"Perfect.","start":31.099998,"end":31.599998,"sentiment":"positive","sentiment_score":0.4957923591136933},{"text":"Just full name, date of birth, and address, please.","start":31.74,"end":33.6,"sentiment":"neutral","sentiment_score":0.21752683321634927},{"text":"That that's the one I've got.","start":46.205,"end":48.305,"sentiment":"neutral","sentiment_score":0.15190044914682707},{"text":"Okay.","start":50.845,"end":51.245,"sentiment":"neutral","sentiment_score":0.10526888817548752},{"text":"So I guess lay it on me.","start":51.245,"end":54.365,"sentiment":"neutral","sentiment_score":0.009916715323925018}],"sentiment":"neutral","sentiment_score":0.1474842686826984,"num_words":24,"start":31.099998,"end":54.365},{"sentences":[{"text":"What how come the drastic decision to flip and move?","start":54.365,"end":60.629997,"sentiment":"neutral","sentiment_score":-0.10907371416687965},{"text":"Like, we we were we were going back to to Europe, and then we decided to full $3.60, $1.80 flip.","start":61.73,"end":70.369995,"sentiment":"neutral","sentiment_score":-0.05100014833733439},{"text":"And yep.","start":70.369995,"end":83.995,"sentiment":"neutral","sentiment_score":-0.13102234154939651},{"text":"Yep.","start":105.195,"end":105.695,"sentiment":"neutral","sentiment_score":-0.1902128905057907},{"text":"Yeah.","start":163.095,"end":163.595,"sentiment":"neutral","sentiment_score":0.026925260201096535}],"sentiment":"neutral","sentiment_score":-0.07459036534761682,"num_words":34,"start":54.365,"end":163.595},{"sentences":[{"text":"Yeah.","start":172.44,"end":172.84,"sentiment":"neutral","sentiment_score":0.13100500404834747},{"text":"We we were loving on Europe.","start":172.84,"end":174.46,"sentiment":"positive","sentiment_score":0.3368828321496646},{"text":"Yeah.","start":196.93,"end":197.43,"sentiment":"neutral","sentiment_score":0.033152371644973755},{"text":"Yep.","start":203.97,"end":204.255,"sentiment":"neutral","sentiment_score":0.0742635503411293},{"text":"I love perfection.","start":220.31,"end":223.61,"sentiment":"positive","sentiment_score":0.4660133322079976}],"sentiment":"neutral","sentiment_score":0.30481315962970257,"num_words":12,"start":172.44,"end":223.61},{"sentences":[{"text":"What's that?","start":231.43,"end":232.25,"sentiment":"neutral","sentiment_score":0.03491144720464945},{"text":"Okay.","start":235.19,"end":235.69,"sentiment":"neutral","sentiment_score":0.18541035056114197},{"text":"I like it.","start":237.045,"end":238.025,"sentiment":"positive","sentiment_score":0.40803587436676025},{"text":"Alright.","start":239.525,"end":240.025,"sentiment":"neutral","sentiment_score":0.13346558809280396},{"text":"Well, I guess, like, advice wise, I put everything together.","start":240.405,"end":245.785,"sentiment":"neutral","sentiment_score":0.03400115147233009}],"sentiment":"neutral","sentiment_score":0.11487164534628391,"num_words":17,"start":231.43,"end":245.785},{"sentences":[{"text":"I then re put everything together to no.","start":245.845,"end":250.58,"sentiment":"neutral","sentiment_score":-0.004225494572892784},{"text":"You're you're so fine.","start":250.58,"end":251.96,"sentiment":"neutral","sentiment_score":0.1253312504850328},{"text":"To accommodate for the motor home purchase.","start":252.1,"end":255.64,"sentiment":"neutral","sentiment_score":0.04680095400129046},{"text":"So we had a 164.","start":256.1,"end":258.76,"sentiment":"neutral","sentiment_score":0.04813626930117607},{"text":"I've obviously taken $60 out of the motor home out for the motor home, so we have a 104 in cash.","start":259.14,"end":265.465,"sentiment":"neutral","sentiment_score":0.053143001205864404}],"sentiment":"neutral","sentiment_score":0.04781804655989011,"num_words":45,"start":245.845,"end":265.465},{"sentences":[{"text":"What I've looked at overall is ultimately, a, I really wanna do an investment change on your super fund.","start":269.205,"end":276.66498,"sentiment":"neutral","sentiment_score":0.07984308996482899},{"text":"That's a major part of it.","start":276.88498,"end":279.61,"sentiment":"neutral","sentiment_score":0.25576093792915344},{"text":"It's just updating the portfolio, getting rid of some of the assets that just aren't really cutting the grade, rebalancing things out a lot more, and just getting some some balance and and get some, like, you know, returns happening.","start":279.61,"end":295.255,"sentiment":"neutral","sentiment_score":0.1315471628215164},{"text":"One of the assets, it it it's just it hasn't really returned after it had a major drop.","start":295.635,"end":302.27502,"sentiment":"neutral","sentiment_score":-0.10396118876006868},{"text":"So I just wanna cut that out completely.","start":302.27502,"end":304.135,"sentiment":"neutral","sentiment_score":-0.0832585571333766}],"sentiment":"neutral","sentiment_score":0.06347363730790195,"num_words":91,"start":269.205,"end":304.135},{"sentences":[{"text":"I just don't wanna sit on it anymore.","start":304.27502,"end":306.535,"sentiment":"neutral","sentiment_score":-0.2636012081056833},{"text":"So wanna do that, which overall drops down the investment fees, which is nice.","start":308.33,"end":314.33,"sentiment":"positive","sentiment_score":0.3911445949758802},{"text":"So a bit of a cost savings there.","start":314.33,"end":315.95,"sentiment":"positive","sentiment_score":0.4602534957230091},{"text":"And then I wanna set up the two accounts.","start":318.41,"end":321.55,"sentiment":"neutral","sentiment_score":0.17038205017646155},{"text":"So, originally, I was going to put $90 into an investment account for you because we bought the van.","start":322.125,"end":331.745,"sentiment":"neutral","sentiment_score":0.06514141610578487}],"sentiment":"neutral","sentiment_score":0.16931668945170683,"num_words":58,"start":304.27502,"end":331.745},{"sentences":[{"text":"I dropped that to 30 because that's realistically all that's remaining when I consider the fact that you still need to have cash to live on.","start":331.965,"end":341.94,"sentiment":"neutral","sentiment_score":-0.012904216481659275},{"text":"Yeah.","start":350.115,"end":350.615,"sentiment":"neutral","sentiment_score":0.012433882802724838},{"text":"Yeah.","start":358.0575,"end":358.5575,"sentiment":"neutral","sentiment_score":-0.14392632246017456},{"text":"Yeah.","start":370.72,"end":371.12,"sentiment":"neutral","sentiment_score":0.23651818931102753},{"text":"It's just if anything pops up, if we decide to to, you know, do anything, if the van anything that way, That means we're not dipping in.","start":371.12,"end":380.765,"sentiment":"neutral","sentiment_score":0.17635312538456033}],"sentiment":"neutral","sentiment_score":0.08091161618774224,"num_words":56,"start":331.965,"end":380.765},{"sentences":[{"text":"And then I've got $10 going to the Generation Life investment bond.","start":381.145,"end":387.165,"sentiment":"neutral","sentiment_score":0.1889309367785851},{"text":"From there, and I guess it's a little bit because circumstances changed, and you're staying in Australia now, whether we look at maybe doing a bit of a savings plan towards those accounts ongoing where we can put, you know, $50 in a week or, you know, whatever the case may be, cash flow wise, that you have the ability to afford depending on what our expenses are gonna be.","start":387.785,"end":412.105,"sentiment":"neutral","sentiment_score":0.16534135080873966},{"text":"And it might be same maybe a conversation in three to six months once you're on the road where, you know, we can just we can set up the the contribution.","start":412.105,"end":421.165,"sentiment":"neutral","sentiment_score":0.16048361625402205},{"text":"That's it's nice and easy.","start":421.305,"end":422.76,"sentiment":"positive","sentiment_score":0.7722609281539917},{"text":"So I just didn't wanna sort of, like, recommend it until we knew where your cash flow kinda sat and what the expenses were gonna sit at because we went drastically left field.","start":424.52002,"end":432.78,"sentiment":"neutral","sentiment_score":-0.09790638393976471}],"sentiment":"neutral","sentiment_score":0.12878444948733248,"num_words":151,"start":381.145,"end":432.78},{"sentences":[{"text":"But that's in the crux of it where everything fits.","start":437.20502,"end":439.765,"sentiment":"neutral","sentiment_score":0.02013616347685456},{"text":"Now we've talked about it previously about keeping the insurance in your uni super.","start":439.765,"end":444.185,"sentiment":"neutral","sentiment_score":0.03602901819561209},{"text":"I know the preference was that you did wanna keep it, so I've left it there for now.","start":445.445,"end":451.85,"sentiment":"neutral","sentiment_score":0.027671018822325602},{"text":"But mhmm.","start":452.95,"end":456.65002,"sentiment":"neutral","sentiment_score":-0.007958239526487887},{"text":"Yep.","start":469.495,"end":469.995,"sentiment":"neutral","sentiment_score":0.0067353262566030025}],"sentiment":"neutral","sentiment_score":0.026548112789168955,"num_words":45,"start":437.20502,"end":469.995},{"sentences":[{"text":"Yes.","start":474.135,"end":474.57,"sentiment":"neutral","sentiment_score":0.09581854194402696},{"text":"Yep.","start":482.89,"end":483.39,"sentiment":"neutral","sentiment_score":-0.02495208755135536},{"text":"Yeah.","start":506.99,"end":507.49,"sentiment":"neutral","sentiment_score":0.04219721257686615},{"text":"Which we can definitely do.","start":508.19,"end":509.87,"sentiment":"neutral","sentiment_score":0.23906969726085664},{"text":"Because, like, the UniSuper, it's, like, it's half a million of life, half a million of PPD, and then you've got the, like, the protection, which is a ninety day five year.","start":509.87,"end":518.03503,"sentiment":"neutral","sentiment_score":0.10987393581308424}],"sentiment":"neutral","sentiment_score":0.12060945248231292,"num_words":40,"start":474.135,"end":518.03503},{"sentences":[{"text":"And then we've got our life TPD IP, which is 300 life 300 TPD, and then our IP, which is thirty days to age 65 with ClearView.","start":519.695,"end":536.68,"sentiment":"neutral","sentiment_score":0.057283164036494714},{"text":"Sorry.","start":537.06,"end":537.56,"sentiment":"neutral","sentiment_score":-0.10559302568435668},{"text":"Mental blank there.","start":537.62,"end":539.32,"sentiment":"neutral","sentiment_score":-0.1671949028968811},{"text":"We with ClearView.","start":539.94,"end":540.89996,"sentiment":"neutral","sentiment_score":-0.045601451148589454},{"text":"So kinda like, realistically, currently, if anything happens, there's, you know, like, $800,000 that is payable to your estate, which sounds good and great, but it's you know, it is also digging into what we wanna do to put money away for you.","start":540.89996,"end":563.70996,"sentiment":"neutral","sentiment_score":0.02566258258424526}],"sentiment":"neutral","sentiment_score":0.024755251847884872,"num_words":77,"start":519.695,"end":563.70996},{"sentences":[{"text":"So do you want to I I guess, because when we spoke when we've spoken over, like, over the past twelve months, fourteen, fifteen months, I guess the concern was is it making sure that something was there for Ryla?","start":568.32996,"end":586.57996,"sentiment":"neutral","sentiment_score":-0.02978601024951786},{"text":"Rylann.","start":586.8,"end":587.3,"sentiment":"neutral","sentiment_score":0.006160144694149494},{"text":"Rylann.","start":588.95996,"end":589.45996,"sentiment":"neutral","sentiment_score":0.04337478429079056},{"text":"I know he said Riker, which is one of my mate's friends.","start":589.68,"end":592.07996,"sentiment":"neutral","sentiment_score":0.02305378477709989},{"text":"No.","start":592.07996,"end":592.24,"sentiment":"neutral","sentiment_score":-0.040494952350854874}],"sentiment":"neutral","sentiment_score":-0.016468273018571462,"num_words":55,"start":568.32996,"end":592.24},{"sentences":[{"text":"One of my mate's kids, but Rylann.","start":592.24,"end":593.94,"sentiment":"neutral","sentiment_score":-0.011690905982894557},{"text":"Yeah.","start":597.105,"end":597.425,"sentiment":"neutral","sentiment_score":0.12652091681957245},{"text":"Making sure that something's there for Rylan, making sure that you've you've you've got things there for him, but at the same time, we wanna save for you.","start":597.425,"end":605.025,"sentiment":"neutral","sentiment_score":0.22845070170504705},{"text":"We wanna put money away for you.","start":605.025,"end":606.305,"sentiment":"positive","sentiment_score":0.3617696932383946},{"text":"We wanna make sure that we can grow the assets that you have and the two policies with the split accounts gets you there.","start":606.305,"end":614.0,"sentiment":"neutral","sentiment_score":0.2434476794054111}],"sentiment":"neutral","sentiment_score":0.22114084150864563,"num_words":67,"start":592.24,"end":614.0},{"sentences":[{"text":"Don't get me wrong, but it's not as strong as if we consolidate everything.","start":614.0,"end":617.14,"sentiment":"neutral","sentiment_score":-0.24168309569358826},{"text":"And it's got the longer it's got the longer waiting the the longer benefit period if anything happens to you with income protection as well.","start":655.72504,"end":662.95996,"sentiment":"neutral","sentiment_score":-0.10741395324468613},{"text":"We can we can cancel it now.","start":673.755,"end":676.415,"sentiment":"neutral","sentiment_score":-0.15559827270252363},{"text":"So we we went on premium freeze.","start":676.795,"end":678.65497,"sentiment":"neutral","sentiment_score":-0.10398138740233012},{"text":"We can cancel it now, and we could look at once you return to work, applying for the policy again.","start":678.955,"end":686.46,"sentiment":"neutral","sentiment_score":-0.038864863105118275}],"sentiment":"neutral","sentiment_score":-0.1186748911460785,"num_words":73,"start":614.0,"end":686.46},{"sentences":[{"text":"Just the the income protection.","start":694.68,"end":696.36,"sentiment":"neutral","sentiment_score":0.02119111977517605},{"text":"We'd keep the life cover most certainly.","start":696.36,"end":700.985,"sentiment":"neutral","sentiment_score":0.12204499542713165},{"text":"And yeah.","start":700.985,"end":701.785,"sentiment":"neutral","sentiment_score":0.08471859991550446},{"text":"And we we'd just just the income protection is because it's it's linked to your job and replacing income that you don't currently have.","start":701.785,"end":709.725,"sentiment":"neutral","sentiment_score":0.05489129553704212},{"text":"But we went on premium freeze.","start":710.03,"end":711.65,"sentiment":"neutral","sentiment_score":0.002585211768746376}],"sentiment":"neutral","sentiment_score":0.055968412049961364,"num_words":44,"start":694.68,"end":711.65},{"sentences":[{"text":"The only risks in canceling it are that we like, it we have to rewrite the policy later.","start":712.67,"end":718.99,"sentiment":"negative","sentiment_score":-0.3860061665376027},{"text":"So we just have to go through all the medical, like, the medical questions and stuff like that.","start":718.99,"end":722.36505,"sentiment":"neutral","sentiment_score":-0.2666468305720223},{"text":"Not a biggie so long as all your health and everything stay the same.","start":722.36505,"end":725.66504,"sentiment":"neutral","sentiment_score":-0.19336566595094545},{"text":"Yep.","start":736.60504,"end":736.89,"sentiment":"neutral","sentiment_score":-0.1250736117362976},{"text":"No.","start":743.37,"end":743.61,"sentiment":"neutral","sentiment_score":-0.23597422242164612}],"sentiment":"neutral","sentiment_score":-0.2849215597200852,"num_words":52,"start":712.67,"end":743.61},{"sentences":[{"text":"I think when you return to work, we just we look at rewriting all of it.","start":743.61,"end":747.37,"sentiment":"neutral","sentiment_score":-0.23873678781092167},{"text":"We look at new providers on the market.","start":747.37,"end":749.69,"sentiment":"neutral","sentiment_score":-0.10454157460480928},{"text":"We'll have a look at, you know, getting you know, see if we we can decrease the premium, see what we can do in that area when you return to work.","start":749.69,"end":757.45496,"sentiment":"neutral","sentiment_score":-0.11483848010820727},{"text":"Take a whole new look at it.","start":758.95496,"end":760.65497,"sentiment":"neutral","sentiment_score":0.020577110882316316},{"text":"Yep.","start":766.07495,"end":766.57495,"sentiment":"neutral","sentiment_score":0.11102943867444992}],"sentiment":"neutral","sentiment_score":-0.12636579159233305,"num_words":63,"start":743.61,"end":766.57495},{"sentences":[{"text":"Cool.","start":777.03,"end":777.43,"sentiment":"neutral","sentiment_score":0.048303332179784775},{"text":"Alright.","start":777.43,"end":777.93,"sentiment":"neutral","sentiment_score":0.10539200156927107},{"text":"So let me amend the document again and get it through to you again.","start":778.63,"end":784.255,"sentiment":"neutral","sentiment_score":0.08544342592358589},{"text":"It's currently sitting with you for signing, so you can have a read over it anyway.","start":785.355,"end":789.45496,"sentiment":"neutral","sentiment_score":-0.014448928530327976},{"text":"But it's probably sitting in your junk folder, to be honest.","start":792.475,"end":796.475,"sentiment":"neutral","sentiment_score":-0.1987154178998687}],"sentiment":"neutral","sentiment_score":-0.024817422248942907,"num_words":43,"start":777.03,"end":796.475},{"sentences":[{"text":"It I sent it through the signing software, so that way it was a win one.","start":796.475,"end":800.39,"sentiment":"neutral","sentiment_score":-0.03071552561596036},{"text":"But what I'll do is I'll I'll update everything following our conversation today.","start":802.45,"end":807.27,"sentiment":"neutral","sentiment_score":0.08015039706459412},{"text":"Your acceptance to consolidate, get rid of uni, and we'll cancel the IP, and we'll go from there.","start":809.09,"end":818.465,"sentiment":"neutral","sentiment_score":0.024833950938449964},{"text":"And then what I'll do is once I get that through to you, which I should be able to get through to you honestly tomorrow, I'll just make it a priority tomorrow morning.","start":819.005,"end":825.185,"sentiment":"neutral","sentiment_score":0.151077641230641},{"text":"You're still here you're still here, like, in reception, not traveling for another week or so.","start":827.66,"end":834.07996,"sentiment":"neutral","sentiment_score":0.03846565610729158}],"sentiment":"neutral","sentiment_score":0.0687346929917112,"num_words":96,"start":796.475,"end":834.07996},{"sentences":[{"text":"So if I get Jack to give you a call, say, Monday, Tuesday next week, and go through the application forms for the two accounts, like the the bond like, the two bonds and get that underway with you, we can get those two set up, and we can get the money transferred and deposited into those two.","start":834.22,"end":858.49,"sentiment":"neutral","sentiment_score":0.08221329048532865},{"text":"Cool.","start":861.58997,"end":862.08997,"sentiment":"neutral","sentiment_score":0.3126193881034851},{"text":"Alright.","start":862.15,"end":862.65,"sentiment":"neutral","sentiment_score":0.1921594738960266},{"text":"I can do that.","start":862.71,"end":863.43,"sentiment":"neutral","sentiment_score":0.17077626660466194},{"text":"Is there a time, date, day that works better for you next week that I can get Jack onto it?","start":863.43,"end":869.40497,"sentiment":"neutral","sentiment_score":0.056060250662267205}],"sentiment":"neutral","sentiment_score":0.08425547368824482,"num_words":84,"start":834.22,"end":869.40497},{"sentences":[{"text":"That's not my calendar?","start":870.345,"end":871.40497,"sentiment":"neutral","sentiment_score":-0.06239125318825245},{"text":"Yep.","start":884.29,"end":884.79,"sentiment":"neutral","sentiment_score":0.010839144699275494},{"text":"Wednesday afternoon from 12:00 onwards.","start":891.01,"end":894.45,"sentiment":"neutral","sentiment_score":0.013427723385393619},{"text":"So would 12:00 work?","start":894.45,"end":895.91003,"sentiment":"neutral","sentiment_score":0.008043343899771571},{"text":"Cool.","start":899.875,"end":900.19495,"sentiment":"neutral","sentiment_score":0.140313059091568}],"sentiment":"neutral","sentiment_score":0.00005994557092587153,"num_words":15,"start":870.345,"end":900.19495},{"sentences":[{"text":"Alright.","start":900.19495,"end":900.69495,"sentiment":"neutral","sentiment_score":0.1408313810825348},{"text":"I will pop that in Jack's calendar for next Wednesday at 12:00, and he can give you a call and go through the Generation Life applications.","start":900.83496,"end":911.255,"sentiment":"neutral","sentiment_score":0.11366221738549379},{"text":"Amazing.","start":916.43,"end":916.93,"sentiment":"positive","sentiment_score":0.5187371969223022},{"text":"I'll add you into the calendar invite so that way it pops up for you.","start":918.43,"end":921.25,"sentiment":"positive","sentiment_score":0.3844452440738678},{"text":"Cool.","start":924.35004,"end":924.85004,"sentiment":"positive","sentiment_score":0.4330490827560425}],"sentiment":"neutral","sentiment_score":0.2230571357702667,"num_words":44,"start":900.19495,"end":924.85004},{"sentences":[{"text":"Alright.","start":925.705,"end":926.025,"sentiment":"neutral","sentiment_score":0.1982397884130478},{"text":"I'll get the SOA spun out again, and I'll get it through to you tomorrow.","start":926.025,"end":930.605,"sentiment":"neutral","sentiment_score":0.21690414051214854},{"text":"No.","start":933.705,"end":934.025,"sentiment":"neutral","sentiment_score":0.1278126835823059},{"text":"That's okay.","start":934.025,"end":934.84503,"sentiment":"neutral","sentiment_score":0.08083410561084747},{"text":"Email me with any questions, like, as you're reading through the document, but, yeah, we'll go from 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Hello? Hi. Mhmm. Hi. How are you? Yep. Yep. That's fine. Angel Brown, 4589330 South Street, Marumba, but we're moving to 51440. Never mind. Excellent. Yeah. Yeah. It was pretty it's pretty crazy. I was looking at what I needed to do with the house, the rental. I couldn't maintain it like I did before. I kept it. And I was, like, slowly puttering along and trying to organize everything. I wasn't getting anything done in time for when I wanted to fly. I got to blame. Blame is blame. And then the owner said they need the house for a family member who is sick, and it was it was just all action taken. So and it was or everything everything came too overwhelming, and I said, I'll do the rental somewhere else. I'll move. I'll sort it out later. And then so I decided that's when I decided to put going back to The UK on hold for the moment. And then I couldn't get rental. So I went off. I could all buy a motor home, and that's the thing I'm gonna pay with rent. And we'll travel Australia for as long as I can reasonably. We are bringing absolutely broke, and then I'll go back to work for a year or so before we make every bit more of a payment move back to UK. So everything just kinda flipped on its head. And the the idea of having a survey was always the it's like it was, like, Europe or Australia, and then I got into, like, a rock or the listing of life. And yeah. Yeah. And then I kinda like I just wanna speak more safe, you know, not leave out a hotel for a while, but I didn't wanna be just, you know, just. So if I've got you for that to come, I don't need to get into, like, everything of Monday in March yet. But, like, you know, hotel just, like, I I just want a bit of a break. A bit a bit more of a break from that. So we do a bit of a compromise. And then I found a a motor home in and still up there, bought it, bought it back. Had a world of problems mechanically, and will he move into it permanently next week? Yeah. So it's all really crazy. Crazy. But, yeah, this is going up. So yeah. Sorry. Yep. Mhmm. Yeah. Because so I'm receiving a payment, a single payment at the moment, and then the same thing that that's it. So I'm just looking at the now that the big expenses are kinda gone. Yeah. Yeah. It's still good to have it back in it, obviously. Yep. Yes. Yes. K. They just sent me a as well. Let me just find it. So I obviously haven't contributed anything to that employee. We didn't we said the the standard for the insurance, we can't believe they have any contribution for over twelve months. You're probably aware of it. One of the rewards. So it's pretty much asking me, do I wanna do that? And all I have to do is introduce something once or then reactivate the. But, also, they're not paying double premium. And I I think I think I'm actually probably better off getting rid of the insurance stuff and rolling it all into one. So I'm not paying multiple premiums, multiple insurances, that kind of stuff. Mhmm. Right. Yeah. Yeah. Okay. I think I think we're best to consolidate everything. I I think I like to move to the because it was the best option, but it's not the best option at the moment that I need to and see since principle. I don't know why I'm mostly attached to this company. But, yeah, like, yeah, that's the reason why I'm I'm doing good thing if could you cover everything that I needed to cover? Yeah. Okay. We do I need that at the moment? Because I'm not working. Is that something that can be added on later, or should I mention it? Yeah. But that is is that just the income protection or would what about the obviously yeah. Yes. Yes. Yep. Yeah. I'm not not seeing anything. But, I mean, it's a part and parcel, isn't it? Like, you know, appointment, you need to cover, paying for you, or something that I can't use at this date. And yeah. Okay. Yeah. Well, I mean, that probably would be needed anyway by that time, so that is a good thing. So let's do that. Let's roll it all together and get rid of that excess Come on. Oh, I haven't I haven't seen it, but Yes. Yes. That would be wonderful. Right. Wednesday afternoon, you go probably anytime from twelve onwards. Yep. Yep. Let's write it down so it's good. Oh, wonderful. That's great. Excellent. Alright. Wonderful. Thank you so much. Okay. Wonderful. Sounds great. 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Hello? Hi. Mhmm. Hi.\n\nHow are you? Yep. Yep. That's fine. Angel Brown, 4589330 South Street, Marumba, but we're moving to 51440.\n\nNever mind. Excellent. Yeah. Yeah. It was pretty it's pretty crazy.\n\nI was looking at what I needed to do with the house, the rental. I couldn't maintain it like I did before. I kept it. And I was, like, slowly puttering along and trying to organize everything. I wasn't getting anything done in time for when I wanted to fly.\n\nI got to blame. Blame is blame. And then the owner said they need the house for a family member who is sick, and it was it was just all action taken. So and it was or everything everything came too overwhelming, and I said, I'll do the rental somewhere else. I'll move.\n\nI'll sort it out later. And then so I decided that's when I decided to put going back to The UK on hold for the moment. And then I couldn't get rental. So I went off. I could all buy a motor home, and that's the thing I'm gonna pay with rent.\n\nAnd we'll travel Australia for as long as I can reasonably. We are bringing absolutely broke, and then I'll go back to work for a year or so before we make every bit more of a payment move back to UK. So everything just kinda flipped on its head. And the the idea of having a survey was always the it's like it was, like, Europe or Australia, and then I got into, like, a rock or the listing of life. And yeah.\n\nYeah. And then I kinda like I just wanna speak more safe, you know, not leave out a hotel for a while, but I didn't wanna be just, you know, just. So if I've got you for that to come, I don't need to get into, like, everything of Monday in March yet. But, like, you know, hotel just, like, I I just want a bit of a break. A bit a bit more of a break from that.\n\nSo we do a bit of a compromise. And then I found a a motor home in and still up there, bought it, bought it back. Had a world of problems mechanically, and will he move into it permanently next week? Yeah. So it's all really crazy.\n\nCrazy. But, yeah, this is going up. So yeah. Sorry. Yep.\n\nMhmm. Yeah. Because so I'm receiving a payment, a single payment at the moment, and then the same thing that that's it. So I'm just looking at the now that the big expenses are kinda gone. Yeah.\n\nYeah. It's still good to have it back in it, obviously. Yep. Yes. Yes.\n\nK. They just sent me a as well. Let me just find it. So I obviously haven't contributed anything to that employee. We didn't we said the the standard for the insurance, we can't believe they have any contribution for over twelve months.\n\nYou're probably aware of it. One of the rewards. So it's pretty much asking me, do I wanna do that? And all I have to do is introduce something once or then reactivate the. 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taken.","start":96.16,"end":110.445,"sentiment":"neutral","sentiment_score":-0.22021603375673293},{"text":"So and it was or everything everything came too overwhelming, and I said, I'll do the rental somewhere else.","start":110.445,"end":115.86,"sentiment":"neutral","sentiment_score":-0.312815292885429},{"text":"I'll move.","start":115.86,"end":116.5,"sentiment":"neutral","sentiment_score":-0.2369021698832512}],"sentiment":"neutral","sentiment_score":-0.265098437245162,"num_words":53,"start":94.47,"end":116.5},{"sentences":[{"text":"I'll sort it out later.","start":116.5,"end":117.56,"sentiment":"neutral","sentiment_score":-0.2397274285554886},{"text":"And then so I decided that's when I decided to put going back to The UK on hold for the moment.","start":118.26,"end":126.04,"sentiment":"neutral","sentiment_score":-0.21515058761551267},{"text":"And then I couldn't get rental.","start":128.325,"end":130.425,"sentiment":"neutral","sentiment_score":-0.2524405817190806},{"text":"So I went off.","start":131.925,"end":132.885,"sentiment":"neutral","sentiment_score":-0.24857809767127037},{"text":"I could all buy a motor home, and that's the thing I'm gonna pay with rent.","start":132.885,"end":136.345,"sentiment":"neutral","sentiment_score":-0.1743489559739828}],"sentiment":"neutral","sentiment_score":-0.21183343575550959,"num_words":52,"start":116.5,"end":136.345},{"sentences":[{"text":"And we'll travel Australia for as long as I can reasonably.","start":137.205,"end":142.75,"sentiment":"neutral","sentiment_score":0.04040280086073009},{"text":"We are bringing absolutely broke, and then I'll go back to work for a year or so before we make every bit more of a payment move back to UK.","start":143.84999,"end":154.10999,"sentiment":"neutral","sentiment_score":-0.06822100120286147},{"text":"So everything just kinda flipped on its head.","start":156.375,"end":158.535,"sentiment":"neutral","sentiment_score":-0.18908321857452393},{"text":"And the the idea of having a survey was always the it's like it was, like, Europe or Australia, and then I got into, like, a rock or the listing of life.","start":158.535,"end":171.83,"sentiment":"neutral","sentiment_score":0.02011653274530545},{"text":"And yeah.","start":173.29001,"end":175.97,"sentiment":"neutral","sentiment_score":0.2919234037399292}],"sentiment":"neutral","sentiment_score":-0.022738423131137008,"num_words":83,"start":137.205,"end":175.97},{"sentences":[{"text":"Yeah.","start":175.97,"end":176.47,"sentiment":"neutral","sentiment_score":0.14818048477172852},{"text":"And then I kinda like I just wanna speak more safe, you know, not leave out a hotel for a while, but I didn't wanna be just, you know, just.","start":177.17,"end":186.075,"sentiment":"neutral","sentiment_score":0.059968973882496356},{"text":"So if I've got you for that to come, I don't need to get into, like, everything of Monday in March yet.","start":186.615,"end":194.235,"sentiment":"neutral","sentiment_score":0.05418193890628489},{"text":"But, like, you know, hotel just, like, I I just want a bit of a break.","start":195.495,"end":201.36,"sentiment":"neutral","sentiment_score":0.0761089043226093},{"text":"A bit a bit more of a break from that.","start":201.36,"end":203.36,"sentiment":"neutral","sentiment_score":0.06896600276231765}],"sentiment":"neutral","sentiment_score":0.0638817070122761,"num_words":79,"start":175.97,"end":203.36},{"sentences":[{"text":"So we do a bit of a compromise.","start":203.36,"end":205.06,"sentiment":"neutral","sentiment_score":0.06666577816940844},{"text":"And then I found a a motor home in and still up there, bought it, bought it back.","start":206.40001,"end":212.72,"sentiment":"neutral","sentiment_score":0.03851645760652092},{"text":"Had a world of problems mechanically, and will he move into it permanently next week?","start":212.72,"end":219.19499,"sentiment":"neutral","sentiment_score":-0.01659957387795051},{"text":"Yeah.","start":222.055,"end":222.555,"sentiment":"positive","sentiment_score":0.36355191469192505},{"text":"So it's all really crazy.","start":223.015,"end":225.03499,"sentiment":"positive","sentiment_score":0.39118577241897584}],"sentiment":"neutral","sentiment_score":0.07015126874234448,"num_words":47,"start":203.36,"end":225.03499},{"sentences":[{"text":"Crazy.","start":225.575,"end":226.075,"sentiment":"neutral","sentiment_score":0.1567310392856598},{"text":"But, yeah, this is going up.","start":227.25499,"end":228.95499,"sentiment":"neutral","sentiment_score":0.12909942989548048},{"text":"So yeah.","start":230.09,"end":233.39,"sentiment":"neutral","sentiment_score":0.05223536677658558},{"text":"Sorry.","start":249.255,"end":249.755,"sentiment":"neutral","sentiment_score":-0.0355273112654686},{"text":"Yep.","start":266.29,"end":266.79,"sentiment":"neutral","sentiment_score":0.09597386419773102}],"sentiment":"neutral","sentiment_score":0.09965862774036148,"num_words":11,"start":225.575,"end":266.79},{"sentences":[{"text":"Mhmm.","start":307.365,"end":307.865,"sentiment":"neutral","sentiment_score":0.08427269011735916},{"text":"Yeah.","start":343.51,"end":343.83002,"sentiment":"neutral","sentiment_score":0.03673068434000015},{"text":"Because so I'm receiving a payment, a single payment at the moment, and then the same thing that that's it.","start":343.83002,"end":353.01498,"sentiment":"neutral","sentiment_score":0.018279890227131546},{"text":"So I'm just looking at the now that the big expenses are kinda gone.","start":353.395,"end":359.57498,"sentiment":"neutral","sentiment_score":-0.07884306008262294},{"text":"Yeah.","start":361.555,"end":362.055,"sentiment":"neutral","sentiment_score":0.037448134273290634}],"sentiment":"neutral","sentiment_score":-0.01566901426712001,"num_words":37,"start":307.365,"end":362.055},{"sentences":[{"text":"Yeah.","start":364.89,"end":365.39,"sentiment":"neutral","sentiment_score":0.1264433115720749},{"text":"It's still good to have it back in it, obviously.","start":365.61002,"end":367.71,"sentiment":"positive","sentiment_score":0.39667531549930574},{"text":"Yep.","start":381.425,"end":381.925,"sentiment":"neutral","sentiment_score":0.15324904024600983},{"text":"Yes.","start":423.27,"end":423.77,"sentiment":"neutral","sentiment_score":0.18632198870182037},{"text":"Yes.","start":432.745,"end":433.245,"sentiment":"neutral","sentiment_score":0.006831785663962364}],"sentiment":"neutral","sentiment_score":0.3171142343697803,"num_words":14,"start":364.89,"end":433.245},{"sentences":[{"text":"K.","start":450.07,"end":450.57,"sentiment":"neutral","sentiment_score":0.009796634316444395},{"text":"They just sent me a as well.","start":452.39,"end":455.13,"sentiment":"neutral","sentiment_score":-0.01376880013516971},{"text":"Let me just find it.","start":455.43,"end":456.87,"sentiment":"neutral","sentiment_score":-0.005085896700620651},{"text":"So I obviously haven't contributed anything to that employee.","start":456.87,"end":459.61002,"sentiment":"neutral","sentiment_score":-0.1645168989068932},{"text":"We didn't we said the the standard for the insurance, we can't believe they have any contribution for over twelve months.","start":462.115,"end":468.935,"sentiment":"neutral","sentiment_score":-0.22738948535351527}],"sentiment":"neutral","sentiment_score":-0.14808943564462107,"num_words":43,"start":450.07,"end":468.935},{"sentences":[{"text":"You're probably aware of it.","start":470.91498,"end":472.195,"sentiment":"neutral","sentiment_score":0.0029532620683312416},{"text":"One of the rewards.","start":472.195,"end":473.095,"sentiment":"neutral","sentiment_score":0.0653032436966896},{"text":"So it's pretty much asking me, do I wanna do that?","start":473.34,"end":477.34,"sentiment":"neutral","sentiment_score":0.029964735562151127},{"text":"And all I have to do is introduce something once or then reactivate the.","start":477.34,"end":481.52,"sentiment":"neutral","sentiment_score":0.006801750777023179},{"text":"But, also, they're not paying double premium.","start":484.46,"end":487.6,"sentiment":"neutral","sentiment_score":-0.32853844442537855}],"sentiment":"neutral","sentiment_score":-0.03899885911676215,"num_words":41,"start":470.91498,"end":487.6},{"sentences":[{"text":"And I I think I think I'm actually probably better off getting rid of the insurance stuff and rolling it all into one.","start":488.76498,"end":499.50497,"sentiment":"negative","sentiment_score":-0.38700722870619403},{"text":"So I'm not paying multiple premiums, multiple insurances, that kind of stuff.","start":500.04498,"end":505.62,"sentiment":"neutral","sentiment_score":-0.26742954552173615},{"text":"Mhmm.","start":564.44,"end":564.94,"sentiment":"neutral","sentiment_score":-0.011262387968599796},{"text":"Right.","start":588.01,"end":588.51,"sentiment":"neutral","sentiment_score":0.035265617072582245},{"text":"Yeah.","start":588.81,"end":589.31,"sentiment":"neutral","sentiment_score":0.050194479525089264}],"sentiment":"neutral","sentiment_score":-0.3167400815230059,"num_words":38,"start":488.76498,"end":589.31},{"sentences":[{"text":"Yeah.","start":618.3,"end":618.7,"sentiment":"neutral","sentiment_score":-0.028525670990347866},{"text":"Okay.","start":618.7,"end":619.2,"sentiment":"neutral","sentiment_score":-0.038072265684604645},{"text":"I think I think we're best to consolidate everything.","start":619.66003,"end":623.44,"sentiment":"neutral","sentiment_score":-0.07857648531595866},{"text":"I I think I like to move to the because it was the best option, but it's not the best option at the moment that I need to and see since principle.","start":626.92505,"end":638.125,"sentiment":"neutral","sentiment_score":-0.17412350862286985},{"text":"I don't know why I'm mostly attached to this company.","start":638.125,"end":640.54504,"sentiment":"neutral","sentiment_score":-0.27308087050914764}],"sentiment":"neutral","sentiment_score":-0.17125560916116778,"num_words":53,"start":618.3,"end":640.54504},{"sentences":[{"text":"But, yeah, like, yeah, that's the reason why I'm I'm doing good thing if could you cover everything that I needed to cover?","start":642.84,"end":653.82,"sentiment":"neutral","sentiment_score":0.05346651278112246},{"text":"Yeah.","start":663.76495,"end":664.165,"sentiment":"neutral","sentiment_score":0.006536118686199188},{"text":"Okay.","start":664.165,"end":664.665,"sentiment":"neutral","sentiment_score":-0.005588436499238014},{"text":"We do I need that at the moment?","start":666.165,"end":668.425,"sentiment":"neutral","sentiment_score":-0.06901747500523925},{"text":"Because I'm not working.","start":668.64496,"end":670.425,"sentiment":"neutral","sentiment_score":-0.22131356224417686}],"sentiment":"neutral","sentiment_score":-0.005586934401779561,"num_words":37,"start":642.84,"end":670.425},{"sentences":[{"text":"Is that something that can be added on later, or should I mention it?","start":671.1,"end":675.04,"sentiment":"neutral","sentiment_score":-0.03777209439847086},{"text":"Yeah.","start":687.755,"end":688.255,"sentiment":"neutral","sentiment_score":0.02665092423558235},{"text":"But that is is that just the income protection or would what about the obviously yeah.","start":690.555,"end":699.03,"sentiment":"neutral","sentiment_score":0.018774647847749293},{"text":"Yes.","start":709.43005,"end":709.93005,"sentiment":"neutral","sentiment_score":0.04299551993608475},{"text":"Yes.","start":710.31006,"end":710.81006,"sentiment":"neutral","sentiment_score":0.03352964669466019}],"sentiment":"neutral","sentiment_score":-0.003795117125705336,"num_words":33,"start":671.1,"end":710.81006},{"sentences":[{"text":"Yep.","start":712.63,"end":712.965,"sentiment":"neutral","sentiment_score":0.03176088631153107},{"text":"Yeah.","start":726.565,"end":727.065,"sentiment":"neutral","sentiment_score":-0.07352469861507416},{"text":"I'm not not seeing anything.","start":728.94,"end":730.4,"sentiment":"neutral","sentiment_score":-0.1835867553949356},{"text":"But, I mean, it's a part and parcel, isn't it?","start":731.18,"end":735.58,"sentiment":"neutral","sentiment_score":-0.15485510528087615},{"text":"Like, you know, appointment, you need to cover, paying for you, or something that I can't use at this date.","start":735.58,"end":743.58,"sentiment":"neutral","sentiment_score":-0.23229081146419048}],"sentiment":"neutral","sentiment_score":-0.19335310463164304,"num_words":37,"start":712.63,"end":743.58},{"sentences":[{"text":"And yeah.","start":743.58,"end":758.605,"sentiment":"neutral","sentiment_score":-0.09627947211265565},{"text":"Okay.","start":758.605,"end":759.105,"sentiment":"neutral","sentiment_score":0.02713458612561226},{"text":"Yeah.","start":761.06006,"end":761.46,"sentiment":"neutral","sentiment_score":0.1375519186258316},{"text":"Well, I mean, that probably would be needed anyway by that time, so that is a good thing.","start":761.46,"end":766.44,"sentiment":"neutral","sentiment_score":0.17133338252703348},{"text":"So let's do that.","start":766.74005,"end":768.34,"sentiment":"neutral","sentiment_score":0.10088799521327019}],"sentiment":"neutral","sentiment_score":0.1330646318025314,"num_words":26,"start":743.58,"end":768.34},{"sentences":[{"text":"Let's roll it all together and get rid of that excess Come on.","start":768.34,"end":779.4425,"sentiment":"neutral","sentiment_score":0.017532011064199302},{"text":"Oh, I haven't I haven't seen it, but Yes.","start":787.81995,"end":801.765,"sentiment":"neutral","sentiment_score":-0.05517421973248323},{"text":"Yes.","start":840.17505,"end":840.67505,"sentiment":"neutral","sentiment_score":0.09119895100593568},{"text":"That would be wonderful.","start":857.475,"end":860.375,"sentiment":"neutral","sentiment_score":0.33054428827017546},{"text":"Right.","start":860.51495,"end":861.01495,"sentiment":"neutral","sentiment_score":0.28341954946517944}],"sentiment":"neutral","sentiment_score":0.05100513642121639,"num_words":28,"start":768.34,"end":861.01495},{"sentences":[{"text":"Wednesday afternoon, you go probably anytime from twelve onwards.","start":879.94995,"end":900.065,"sentiment":"neutral","sentiment_score":0.013526068431221776},{"text":"Yep.","start":900.065,"end":900.42,"sentiment":"neutral","sentiment_score":0.1109473705291748},{"text":"Yep.","start":913.77997,"end":914.27997,"sentiment":"neutral","sentiment_score":0.15335491299629211},{"text":"Let's write it down so it's good.","start":915.60504,"end":917.385,"sentiment":"positive","sentiment_score":0.4197480635983603},{"text":"Oh, wonderful.","start":921.60504,"end":922.405,"sentiment":"positive","sentiment_score":0.5644418001174927}],"sentiment":"neutral","sentiment_score":0.22265784724149854,"num_words":20,"start":879.94995,"end":922.405},{"sentences":[{"text":"That's great.","start":922.405,"end":923.22504,"sentiment":"positive","sentiment_score":0.6443981826305389},{"text":"Excellent.","start":923.92505,"end":924.42505,"sentiment":"positive","sentiment_score":0.6223215460777283},{"text":"Alright.","start":924.48505,"end":924.98505,"sentiment":"neutral","sentiment_score":0.2553606927394867},{"text":"Wonderful.","start":931.86,"end":932.36,"sentiment":"positive","sentiment_score":0.475752592086792},{"text":"Thank you so much.","start":932.42,"end":938.5,"sentiment":"neutral","sentiment_score":0.10466730408370495}],"sentiment":"positive","sentiment_score":0.34010004583332276,"num_words":9,"start":922.405,"end":938.5},{"sentences":[{"text":"Okay.","start":939.86,"end":940.36,"sentiment":"positive","sentiment_score":0.40643948316574097},{"text":"Wonderful.","start":940.42,"end":940.89996,"sentiment":"positive","sentiment_score":0.8493672013282776},{"text":"Sounds great.","start":940.89996,"end":941.45996,"sentiment":"positive","sentiment_score":0.8906571567058563},{"text":"Thank you so much.","start":941.45996,"end":942.52,"sentiment":"positive","sentiment_score":0.8825410157442093}],"sentiment":"positive","sentiment_score":0.820910632610321,"num_words":8,"start":939.86,"end":942.52}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Ainsley. How are you going?\n\nChannel 1: Hello?\n\nChannel 0: You got Ainsley?\n\nChannel 1: Hi. Mhmm.\n\nChannel 0: Hello. How are you going?\n\nChannel 1: Hi. How are you?\n\nChannel 0: Yeah. Good. Thank you. But, I guess, before we jump into it, I need to let you know our calls are recorded. And and if I could go through security, if you if I've still got you at a good time.\n\nChannel 1: Yep. Yep. That's\n\nChannel 0: Perfect. Just full name, date of birth, and\n\nChannel 1: fine.\n\nChannel 0: address, please.\n\nChannel 1: Angel Brown, 4589330 South Street, Marumba, but we're moving to 51440. Never mind.\n\nChannel 0: That that's the one I've got.\n\nChannel 1: Excellent.\n\nChannel 0: Okay. So I guess lay it on me. What how come the drastic decision to flip and move? Like, we we were we were going back to to Europe, and then we decided to full $3.60, $1.80\n\nChannel 1: Yeah.\n\nChannel 0: flip. And\n\nChannel 1: Yeah. It was pretty it's pretty crazy. I was looking at what I needed to do with the house, the rental. I couldn't maintain it like I did before. I kept it.\n\nChannel 0: yep.\n\nChannel 1: And I was, like, slowly puttering along and trying to organize everything. I wasn't getting anything done in time for when I wanted to fly. I got to blame. Blame is blame. And then the owner said they need the house for a family member who\n\nChannel 0: Yep.\n\nChannel 1: is sick, and it was it was just all action taken. So and it was or everything everything came too overwhelming, and I said, I'll do the rental somewhere else. I'll move. I'll sort it out later. And then so I decided that's when I decided to put going back to The UK on hold for the moment.\n\nAnd then I couldn't get rental. So I went off. I could all buy a motor home, and that's the thing I'm gonna pay with rent. And we'll travel Australia for as long as I can reasonably. We are bringing absolutely broke, and then I'll go back to work for a year or so before we make every bit more of a payment move back to UK.\n\nSo everything just kinda flipped on its head. And the the idea of having a survey was always the it's like\n\nChannel 0: Yeah.\n\nChannel 1: it was, like, Europe or Australia, and then I got into, like, a rock or the listing of life.\n\nChannel 0: Yeah. We we\n\nChannel 1: And\n\nChannel 0: were loving on Europe.\n\nChannel 1: yeah. Yeah. And then I kinda like I just wanna speak more safe, you know, not leave out a hotel for a while, but I didn't wanna be just, you know, just. So if I've got you for that to come, I don't need to get into, like, everything of Monday in March yet. But, like, you know, hotel\n\nChannel 0: Yeah.\n\nChannel 1: just, like, I I just want a bit of a break. A bit a bit more of a break from that. So we\n\nChannel 0: Yep.\n\nChannel 1: do a bit of a compromise. And then I found a a motor home in and still up there, bought it, bought it back. Had a world of problems mechanically, and will he move into it permanently next week?\n\nChannel 0: I love\n\nChannel 1: Yeah. So\n\nChannel 0: perfection.\n\nChannel 1: it's all really crazy. Crazy. But, yeah, this is going up. So\n\nChannel 0: What's that?\n\nChannel 1: yeah.\n\nChannel 0: Okay. I like it. Alright. Well, I guess, like, advice wise, I put everything together. I then re put everything together\n\nChannel 1: Sorry.\n\nChannel 0: to no. You're you're so fine. To accommodate for the motor home purchase. So we had a 164. I've obviously taken $60 out of the motor home out for the motor home, so we have a 104 in cash.\n\nChannel 1: Yep.\n\nChannel 0: What I've looked at overall is ultimately, a, I really wanna do an investment change on your super fund. That's a major part of it. It's just updating the portfolio, getting rid of some of the assets that just aren't really cutting the grade, rebalancing things out a lot more, and just getting some some balance and and get some, like, you know, returns happening. One of the assets, it it it's just it hasn't really returned after it had a major drop. So I just wanna cut that out completely.\n\nI just don't wanna sit on it anymore.\n\nChannel 1: Mhmm.\n\nChannel 0: So wanna do that, which overall drops down the investment fees, which is nice. So a bit of a cost savings there. And then I wanna set up the two accounts. So, originally, I was going to put $90 into an investment account for you because we bought the van. I dropped that to 30 because that's realistically all that's remaining when I consider the fact that you still need to have cash to live on.\n\nChannel 1: Yeah. Because so I'm receiving a payment, a single payment\n\nChannel 0: Yeah.\n\nChannel 1: at the moment, and then the same thing that that's it. So I'm just looking at the now that the big expenses\n\nChannel 0: Yeah.\n\nChannel 1: are kinda gone. Yeah. Yeah. It's still good to have it back in it, obviously.\n\nChannel 0: Yeah. It's just if anything pops up, if we decide to to, you know, do anything, if the van anything that way, That means we're not dipping in. And then\n\nChannel 1: Yep.\n\nChannel 0: I've got $10 going to the Generation Life investment bond. From there, and I guess it's a little bit because circumstances changed, and you're staying in Australia now, whether we look at maybe doing a bit of a savings plan towards those accounts ongoing where we can put, you know, $50 in a week or, you know, whatever the case may be, cash flow wise, that you have the ability to afford depending on what our expenses are gonna be. And it might be same maybe a conversation in three to six months once you're on the road where, you know, we can just we can set up the the contribution. That's it's nice and easy.\n\nChannel 1: Yes.\n\nChannel 0: So I just didn't wanna sort of, like, recommend it until we knew where your cash flow kinda sat and what the expenses were gonna sit at because we went drastically left field.\n\nChannel 1: Yes.\n\nChannel 0: But that's in the crux of it where everything fits. Now we've talked about it previously about keeping the insurance in your uni super. I know the preference was that you did wanna keep it, so I've\n\nChannel 1: K.\n\nChannel 0: left it there for now.\n\nChannel 1: They just sent\n\nChannel 0: But\n\nChannel 1: me a as well. Let me just\n\nChannel 0: mhmm.\n\nChannel 1: find it. So I obviously haven't contributed anything to that employee. We didn't we said the the standard for the insurance, we can't believe they have any contribution for over twelve months.\n\nChannel 0: Yep.\n\nChannel 1: You're probably aware of it. One of the rewards. So\n\nChannel 0: Yes.\n\nChannel 1: it's pretty much asking me, do I wanna do that? And all I have to do is introduce something once or then reactivate the.\n\nChannel 0: Yep.\n\nChannel 1: But, also, they're not paying double premium. And I I think I think I'm actually probably better off getting rid of the insurance stuff and rolling it all into one. So I'm not paying multiple premiums, multiple insurances, that kind of stuff.\n\nChannel 0: Yeah. Which we can definitely do. Because, like, the UniSuper, it's, like, it's half a million of life, half a million of PPD, and then you've got the, like, the protection, which is a ninety day five year. And then we've got our life TPD IP, which is 300 life 300 TPD, and then our IP, which is thirty days to age 65 with ClearView. Sorry.\n\nMental blank there. We with ClearView. So kinda like, realistically, currently, if anything happens, there's, you know, like, $800,000 that is payable to your estate, which sounds good and great, but it's you know, it is also digging into what we wanna do to put money away for you.\n\nChannel 1: Mhmm.\n\nChannel 0: So do you want to I I guess, because when we spoke when we've spoken over, like, over the past twelve months, fourteen, fifteen months, I guess the concern was is it making sure that something was there for Ryla? Rylann.\n\nChannel 1: Right. Yeah.\n\nChannel 0: Rylann. I know he said Riker, which is one of my mate's friends. No. One of my mate's kids, but Rylann. Yeah.\n\nMaking sure that something's there for Rylan, making sure that you've you've you've got things there for him, but at the same time, we wanna save for you. We wanna put money away for you. We wanna make sure that we can grow the assets that you have and the two policies with the split accounts gets you there. Don't get me wrong, but it's not as strong as if we consolidate everything.\n\nChannel 1: Yeah. Okay. I think I think we're best to consolidate everything. I I think I like to move to the because it was the best option, but it's not the best option at the moment that I need to and see since principle. I don't know why I'm mostly attached to this company.\n\nBut, yeah, like, yeah, that's the reason why I'm I'm doing good thing if could you cover everything that I needed to cover?\n\nChannel 0: And it's got the longer it's got the longer waiting the the longer benefit period if anything happens to you with income protection as well.\n\nChannel 1: Yeah. Okay. We do I need that at the moment? Because I'm not working. Is that something that can be added on later, or\n\nChannel 0: We\n\nChannel 1: should\n\nChannel 0: can\n\nChannel 1: I mention it?\n\nChannel 0: we can cancel it now. So we we went on premium freeze. We can cancel it now, and we could look at once you return to work, applying for the policy again.\n\nChannel 1: Yeah. But that is is that just the income protection or would what about\n\nChannel 0: Just\n\nChannel 1: the obviously\n\nChannel 0: the the income protection. We'd keep the life cover most\n\nChannel 1: yeah.\n\nChannel 0: certainly. And yeah. And we we'd just just the income protection is because it's it's linked to your job and replacing income that you don't currently have.\n\nChannel 1: Yes.\n\nChannel 0: But we\n\nChannel 1: Yes.\n\nChannel 0: went on premium freeze.\n\nChannel 1: Yep.\n\nChannel 0: The only risks in canceling it are that we like, it we have to rewrite the policy later. So we just have to go through all the medical, like, the medical questions and stuff like that. Not a biggie so long as all your health and everything stay the same.\n\nChannel 1: Yeah. I'm not not seeing anything. But, I mean, it's a part and parcel, isn't it? Like, you know, appointment,\n\nChannel 0: Yep.\n\nChannel 1: you need to cover, paying for you, or something that I can't use at this\n\nChannel 0: No.\n\nChannel 1: date. And\n\nChannel 0: I think when you return to work, we just we look at rewriting all of it. We look at new providers on the market. We'll have a look at, you know, getting you know, see if we we can decrease the premium, see what we can do in that area when you return to work.\n\nChannel 1: yeah. Okay.\n\nChannel 0: Take a whole new look at it.\n\nChannel 1: Yeah. Well, I mean, that probably would be needed anyway by that time, so that is a good thing.\n\nChannel 0: Yep.\n\nChannel 1: So let's do that. Let's roll it all together and get rid of that excess Come\n\nChannel 0: Cool. Alright. So\n\nChannel 1: on.\n\nChannel 0: let me amend the document again and get it through to you again. It's currently sitting with you for signing, so\n\nChannel 1: Oh,\n\nChannel 0: you can\n\nChannel 1: I\n\nChannel 0: have a\n\nChannel 1: haven't\n\nChannel 0: read over it anyway.\n\nChannel 1: I haven't\n\nChannel 0: But\n\nChannel 1: seen it, but\n\nChannel 0: it's probably sitting in your junk folder, to be honest. It I sent it through the signing software, so that way it was a win one.\n\nChannel 1: Yes.\n\nChannel 0: But what I'll do is I'll I'll update everything following our conversation today. Your acceptance to consolidate, get rid of uni, and we'll cancel the IP, and we'll go from there. And then what I'll do is once I get that through to you, which I should be able to get through to you honestly tomorrow, I'll just make it a priority tomorrow morning. You're still here you're still here, like, in reception, not traveling for another week or so. So if I get Jack to give you a call, say, Monday, Tuesday next week,\n\nChannel 1: Yes.\n\nChannel 0: and go through the application forms for the two accounts, like the the bond like, the two bonds and get that underway with you, we can get those two set up, and we can get the money transferred and deposited\n\nChannel 1: That\n\nChannel 0: into those\n\nChannel 1: would\n\nChannel 0: two.\n\nChannel 1: be wonderful. Right.\n\nChannel 0: Cool. Alright. I can do that. Is there a time, date, day that works better for you next week that I can get Jack onto it? That's not my calendar?\n\nChannel 1: Wednesday afternoon, you\n\nChannel 0: Yep.\n\nChannel 1: go probably anytime from twelve\n\nChannel 0: Wednesday afternoon from 12:00 onwards. So would 12:00 work?\n\nChannel 1: onwards.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Alright. I will pop that in Jack's calendar for next Wednesday at 12:00, and he can give you a call and go through the Generation Life applications.\n\nChannel 1: Yep. Let's write it down\n\nChannel 0: Amazing.\n\nChannel 1: so it's good.\n\nChannel 0: I'll add you into the calendar invite so that way it pops up for you.\n\nChannel 1: Oh, wonderful. That's great. Excellent.\n\nChannel 0: Cool.\n\nChannel 1: Alright.\n\nChannel 0: Alright. I'll get the SOA spun out again, and I'll get it through to you tomorrow.\n\nChannel 1: Wonderful. Thank\n\nChannel 0: No. That's\n\nChannel 1: you\n\nChannel 0: okay. Email me with any questions,\n\nChannel 1: so\n\nChannel 0: like, as you're reading through the document, but,\n\nChannel 1: much.\n\nChannel 0: yeah, we'll go from there.\n\nChannel 1: Okay. Wonderful. Sounds great. Thank you so much.\n\nChannel 0: That's okay, my darling. We will speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.034506749361753464}],"sentiment":"neutral","sentiment_score":0.034506749361753464,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Hi, Ainsley.","start":1.92,"end":2.8,"sentiment":"neutral","sentiment_score":0.17885111272335052},{"text":"How are you going?","start":2.8,"end":3.78,"sentiment":"neutral","sentiment_score":0.25856757536530495}],"sentiment":"neutral","sentiment_score":0.23199542115132013,"channel":0,"num_words":6,"start":1.92,"end":3.78},{"sentences":[{"text":"Hello?","start":3.4399998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.07415048778057098}],"sentiment":"neutral","sentiment_score":0.07415048778057098,"channel":1,"num_words":1,"start":3.4399998,"end":3.9399998},{"sentences":[{"text":"You got Ainsley?","start":5.68,"end":6.74,"sentiment":"neutral","sentiment_score":0.08404076099395752}],"sentiment":"neutral","sentiment_score":0.08404076099395752,"channel":0,"num_words":3,"start":5.68,"end":6.74},{"sentences":[{"text":"Hi.","start":6.3999996,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.07160516828298569},{"text":"Mhmm.","start":8.96,"end":9.46,"sentiment":"neutral","sentiment_score":0.06571272015571594}],"sentiment":"neutral","sentiment_score":0.06865894421935081,"channel":1,"num_words":2,"start":6.3999996,"end":9.46},{"sentences":[{"text":"Hello.","start":9.92,"end":10.4,"sentiment":"neutral","sentiment_score":0.1062566339969635},{"text":"How are you going?","start":10.4,"end":11.38,"sentiment":"neutral","sentiment_score":0.13570363633334637}],"sentiment":"neutral","sentiment_score":0.1298142358660698,"channel":0,"num_words":5,"start":9.92,"end":11.38},{"sentences":[{"text":"Hi.","start":11.92,"end":12.16,"sentiment":"neutral","sentiment_score":0.14702942967414856},{"text":"How are you?","start":12.16,"end":12.98,"sentiment":"neutral","sentiment_score":0.14667966465155283}],"sentiment":"neutral","sentiment_score":0.14676710590720177,"channel":1,"num_words":4,"start":11.92,"end":12.98},{"sentences":[{"text":"Yeah.","start":13.5199995,"end":14.0,"sentiment":"positive","sentiment_score":0.33534538745880127},{"text":"Good.","start":14.0,"end":14.48,"sentiment":"positive","sentiment_score":0.6299400925636292},{"text":"Thank you.","start":14.48,"end":15.299999,"sentiment":"positive","sentiment_score":0.6197472810745239},{"text":"But, I guess, before we jump into it, I need to let you know our calls are recorded.","start":20.105,"end":23.965,"sentiment":"neutral","sentiment_score":-0.007503253718217214},{"text":"And and if I could go through security, if you if I've still got you at a good time.","start":24.025,"end":28.125,"sentiment":"neutral","sentiment_score":-0.013195481666020657}],"sentiment":"neutral","sentiment_score":0.04436603228266283,"channel":0,"num_words":41,"start":13.5199995,"end":28.125},{"sentences":[{"text":"Yep.","start":28.61,"end":28.85,"sentiment":"neutral","sentiment_score":0.09629243612289427},{"text":"Yep.","start":28.85,"end":29.01,"sentiment":"neutral","sentiment_score":0.14082926511764526},{"text":"That's","start":29.01,"end":29.51,"sentiment":"positive","sentiment_score":0.3961125314235687}],"sentiment":"neutral","sentiment_score":0.21107807755470276,"channel":1,"num_words":3,"start":28.61,"end":29.51},{"sentences":[{"text":"Perfect.","start":31.099998,"end":31.599998,"sentiment":"positive","sentiment_score":0.4957923591136933},{"text":"Just full name, date of birth, and","start":31.74,"end":32.78,"sentiment":"neutral","sentiment_score":0.23406777211597987}],"sentiment":"neutral","sentiment_score":0.26678334549069405,"channel":0,"num_words":8,"start":31.099998,"end":32.78},{"sentences":[{"text":"fine.","start":32.77,"end":33.27,"sentiment":"neutral","sentiment_score":0.1787988692522049}],"sentiment":"neutral","sentiment_score":0.1787988692522049,"channel":1,"num_words":1,"start":32.77,"end":33.27},{"sentences":[{"text":"address, please.","start":32.78,"end":33.6,"sentiment":"neutral","sentiment_score":0.1596335470676422}],"sentiment":"neutral","sentiment_score":0.1596335470676422,"channel":0,"num_words":2,"start":32.78,"end":33.6},{"sentences":[{"text":"Angel Brown, 4589330 South Street, Marumba, but we're moving to 51440.","start":34.45,"end":43.91,"sentiment":"neutral","sentiment_score":0.03674333838915283},{"text":"Never mind.","start":44.905003,"end":46.365,"sentiment":"neutral","sentiment_score":0.06448846682906151}],"sentiment":"neutral","sentiment_score":0.04101181968760032,"channel":1,"num_words":13,"start":34.45,"end":46.365},{"sentences":[{"text":"That that's the one I've got.","start":46.205,"end":48.305,"sentiment":"neutral","sentiment_score":0.15190044914682707}],"sentiment":"neutral","sentiment_score":0.15190044914682707,"channel":0,"num_words":6,"start":46.205,"end":48.305},{"sentences":[{"text":"Excellent.","start":48.825,"end":49.325,"sentiment":"positive","sentiment_score":0.5139219760894775}],"sentiment":"positive","sentiment_score":0.5139219760894775,"channel":1,"num_words":1,"start":48.825,"end":49.325},{"sentences":[{"text":"Okay.","start":50.845,"end":51.245,"sentiment":"neutral","sentiment_score":0.10526888817548752},{"text":"So I guess lay it on me.","start":51.245,"end":54.365,"sentiment":"neutral","sentiment_score":0.009916715323925018},{"text":"What how come the drastic 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the motor home out for the motor home, so we have a 104 in cash.","start":259.14,"end":265.465,"sentiment":"neutral","sentiment_score":0.053143001205864404}],"sentiment":"neutral","sentiment_score":0.0534113077685619,"channel":0,"num_words":39,"start":249.78,"end":265.465},{"sentences":[{"text":"Yep.","start":266.29,"end":266.79,"sentiment":"neutral","sentiment_score":0.09597386419773102}],"sentiment":"neutral","sentiment_score":0.09597386419773102,"channel":1,"num_words":1,"start":266.29,"end":266.79},{"sentences":[{"text":"What I've looked at overall is ultimately, a, I really wanna do an investment change on your super fund.","start":269.205,"end":276.66498,"sentiment":"neutral","sentiment_score":0.07984308996482899},{"text":"That's a major part of it.","start":276.88498,"end":279.61,"sentiment":"neutral","sentiment_score":0.25576093792915344},{"text":"It's just updating the portfolio, getting rid of some of the assets that just aren't really cutting the grade, rebalancing things 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will pop that in Jack's calendar for next Wednesday at 12:00, and he can give you a call and go through the Generation Life applications.","start":900.83496,"end":911.255,"sentiment":"neutral","sentiment_score":0.11366221738549379}],"sentiment":"neutral","sentiment_score":0.11466848270760642,"channel":0,"num_words":27,"start":900.19495,"end":911.255},{"sentences":[{"text":"Yep.","start":913.77997,"end":914.27997,"sentiment":"neutral","sentiment_score":0.15335491299629211},{"text":"Let's write it down","start":915.60504,"end":916.48505,"sentiment":"neutral","sentiment_score":0.2830951139330864}],"sentiment":"neutral","sentiment_score":0.25714707374572754,"channel":1,"num_words":5,"start":913.77997,"end":916.48505},{"sentences":[{"text":"Amazing.","start":916.43,"end":916.93,"sentiment":"positive","sentiment_score":0.5187371969223022}],"sentiment":"positive","sentiment_score":0.5187371969223022,"channel":0,"num_words":1,"start":916.43,"end":916.93},{"sentences":[{"text":"so it's 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great.","start":922.405,"end":923.22504,"sentiment":"positive","sentiment_score":0.6443981826305389},{"text":"Excellent.","start":923.92505,"end":924.42505,"sentiment":"positive","sentiment_score":0.6223215460777283}],"sentiment":"positive","sentiment_score":0.6080003023147583,"channel":1,"num_words":5,"start":921.60504,"end":924.42505},{"sentences":[{"text":"Cool.","start":924.35004,"end":924.85004,"sentiment":"positive","sentiment_score":0.4330490827560425}],"sentiment":"positive","sentiment_score":0.4330490827560425,"channel":0,"num_words":1,"start":924.35004,"end":924.85004},{"sentences":[{"text":"Alright.","start":924.48505,"end":924.98505,"sentiment":"neutral","sentiment_score":0.2553606927394867}],"sentiment":"neutral","sentiment_score":0.2553606927394867,"channel":1,"num_words":1,"start":924.48505,"end":924.98505},{"sentences":[{"text":"Alright.","start":925.705,"end":926.025,"sentiment":"neutral","sentiment_score":0.1982397884130478},{"text":"I'll get the SOA spun out again, and I'll get it through to you tomorrow.","start":926.025,"end":930.605,"sentiment":"neutral","sentiment_score":0.21690414051214854}],"sentiment":"neutral","sentiment_score":0.21573761850595474,"channel":0,"num_words":16,"start":925.705,"end":930.605},{"sentences":[{"text":"Wonderful.","start":931.86,"end":932.36,"sentiment":"positive","sentiment_score":0.475752592086792},{"text":"Thank","start":932.42,"end":932.92,"sentiment":"neutral","sentiment_score":0.20705732703208923}],"sentiment":"positive","sentiment_score":0.3414049595594406,"channel":1,"num_words":2,"start":931.86,"end":932.92},{"sentences":[{"text":"No.","start":933.705,"end":934.025,"sentiment":"neutral","sentiment_score":0.1278126835823059},{"text":"That's","start":934.025,"end":934.34503,"sentiment":"neutral","sentiment_score":0.11792781203985214}],"sentiment":"neutral","sentiment_score":0.12287024781107903,"channel":0,"num_words":2,"start":933.705,"end":934.34503},{"sentences":[{"text":"you","start":934.27997,"end":934.77997,"sentiment":"neutral","sentiment_score":0.07691008597612381}],"sentiment":"neutral","sentiment_score":0.07691008597612381,"channel":1,"num_words":1,"start":934.27997,"end":934.77997},{"sentences":[{"text":"okay.","start":934.34503,"end":934.84503,"sentiment":"neutral","sentiment_score":0.0437403991818428},{"text":"Email me with any questions,","start":934.985,"end":936.185,"sentiment":"neutral","sentiment_score":0.14621500074863433}],"sentiment":"neutral","sentiment_score":0.12913590048750243,"channel":0,"num_words":6,"start":934.34503,"end":936.185},{"sentences":[{"text":"so","start":936.14,"end":936.64,"sentiment":"neutral","sentiment_score":0.08617103099822998}],"sentiment":"neutral","sentiment_score":0.08617103099822998,"channel":1,"num_words":1,"start":936.14,"end":936.64},{"sentences":[{"text":"like, as you're reading through the document, but,","start":936.185,"end":938.185,"sentiment":"neutral","sentiment_score":0.06934177642688155}],"sentiment":"neutral","sentiment_score":0.06934177642688155,"channel":0,"num_words":8,"start":936.185,"end":938.185},{"sentences":[{"text":"much.","start":938.0,"end":938.5,"sentiment":"neutral","sentiment_score":0.04853077232837677}],"sentiment":"neutral","sentiment_score":0.04853077232837677,"channel":1,"num_words":1,"start":938.0,"end":938.5},{"sentences":[{"text":"yeah, we'll go from there.","start":938.185,"end":939.485,"sentiment":"neutral","sentiment_score":0.11789467781782151}],"sentiment":"neutral","sentiment_score":0.11789467781782151,"channel":0,"num_words":5,"start":938.185,"end":939.485},{"sentences":[{"text":"Okay.","start":939.86,"end":940.36,"sentiment":"positive","sentiment_score":0.40643948316574097},{"text":"Wonderful.","start":940.42,"end":940.89996,"sentiment":"positive","sentiment_score":0.8493672013282776},{"text":"Sounds great.","start":940.89996,"end":941.45996,"sentiment":"positive","sentiment_score":0.8906571567058563},{"text":"Thank you so much.","start":941.45996,"end":942.52,"sentiment":"positive","sentiment_score":0.8825410157442093}],"sentiment":"positive","sentiment_score":0.820910632610321,"channel":1,"num_words":8,"start":939.86,"end":942.52},{"sentences":[{"text":"That's okay, my darling.","start":942.81,"end":943.85,"sentiment":"positive","sentiment_score":0.6875942796468735},{"text":"We will speak soon.","start":943.85,"end":944.91,"sentiment":"positive","sentiment_score":0.369594469666481},{"text":"Bye.","start":947.05,"end":947.55,"sentiment":"neutral","sentiment_score":-0.08303362131118774}],"sentiment":"positive","sentiment_score":0.4606357084380256,"channel":0,"num_words":9,"start":942.81,"end":947.55}]},"summary":{"result":"success","short":"The customer has moved back to Europe and is considering a savings plan for their accounts. They want to consolidate their investment plans and retirement plans into one account. The agent suggests canceling their current account and rolling it into another later, and updating their acceptance to consolidate and get rid of excess premiums. The agent will update the customer's email and schedule a call for the next day to go through Generation Life applications."},"intents":{"segments":[{"text":"And we'll travel Australia for as long as I can reasonably. We are bringing absolutely broke, and then I'll go back to work for a year or so before we make every bit more of a payment move back to UK.","start_word":302,"end_word":342,"intents":[{"intent":"Plan travel","confidence_score":0.0049720495},{"intent":"Explore european travel plans","confidence_score":0.00021264484},{"intent":"Discuss budget and financial planning","confidence_score":0.000121231016}]},{"text":"What I've looked at overall is ultimately, a, I really wanna do an investment change on your super fund.","start_word":596,"end_word":614,"intents":[{"intent":"Review investment options","confidence_score":0.0010765005}]},{"text":"It's just updating the portfolio, getting rid of some of the assets that just aren't really cutting the grade, rebalancing things out a lot more, and just getting some some balance and and get some, like, you know, returns happening.","start_word":621,"end_word":660,"intents":[{"intent":"Update portfolio","confidence_score":0.59834635}]},{"text":"One of the assets, it it it's just it hasn't really returned after it had a major drop. So I just wanna cut that out completely. I just don't wanna sit on it anymore. Mhmm.","start_word":661,"end_word":695,"intents":[{"intent":"Obtain returns","confidence_score":0.0018168758}]},{"text":"And then I wanna set up the two accounts.","start_word":718,"end_word":726,"intents":[{"intent":"Set up accounts","confidence_score":0.84569573}]},{"text":"Because so I'm receiving a payment, a single payment Yeah.","start_word":773,"end_word":782,"intents":[{"intent":"Receive payment","confidence_score":0.6782191},{"intent":"Make payment","confidence_score":0.009313271}]},{"text":"From there, and I guess it's a little bit because circumstances changed, and you're staying in Australia now, whether we look at maybe doing a bit of a savings plan towards those accounts ongoing where we can put, you know, $50 in a week or, you know, whatever the case may be, cash flow wise, that you have the ability to afford depending on what our expenses are gonna be.","start_word":862,"end_word":931,"intents":[{"intent":"Offer savings plan","confidence_score":0.0032972454},{"intent":"Understand financial circumstances","confidence_score":0.0005858573}]},{"text":"And it might be same maybe a conversation in three to six months once you're on the road where, you know, we can just we can set up the the contribution. That's it's nice and easy. Yes.","start_word":933,"end_word":969,"intents":[{"intent":"Discuss contribution options","confidence_score":0.00088538445},{"intent":"Provide information about payment method","confidence_score":1.7164787e-8}]},{"text":"So I obviously haven't contributed anything to that employee. We didn't we said the the standard for the insurance, we can't believe they have any contribution for over twelve months. Yep.","start_word":1060,"end_word":1090,"intents":[{"intent":"Provide information","confidence_score":0.000322807}]},{"text":"One of the rewards. So Yes.","start_word":1096,"end_word":1101,"intents":[{"intent":"Explain benefits","confidence_score":0.034616243}]},{"text":"it's pretty much asking me, do I wanna do that? And all I have to do is introduce something once or then reactivate the. Yep.","start_word":1102,"end_word":1126,"intents":[{"intent":"Reactivate insurance plan","confidence_score":0.003187882}]},{"text":"it's pretty much asking me, do I wanna do that? And all I have to do is introduce something once or then reactivate the. Yep. But, also, they're not paying double premium. And I I think I think I'm actually probably better off getting rid of the insurance stuff and rolling it all into one. So I'm not paying multiple premiums, multiple insurances, that kind of stuff. Yeah.","start_word":1102,"end_word":1169,"intents":[{"intent":"Share goals","confidence_score":0.00003087819}]},{"text":"Because, like, the UniSuper, it's, like, it's half a million of life, half a million of PPD, and then you've got the, like, the protection, which is a ninety day five year. And then we've got our life TPD IP, which is 300 life 300 TPD, and then our IP, which is thirty days to age 65 with ClearView. Sorry.","start_word":1175,"end_word":1234,"intents":[{"intent":"Discuss ipd protection","confidence_score":0.000014277527},{"intent":"Say goodbye","confidence_score":0.0020273812}]},{"text":"We do I need that at the moment? Because I'm not working. Is that something that can be added on later, or We should can I mention it?","start_word":1526,"end_word":1553,"intents":[{"intent":"Request for future reference","confidence_score":0.000002939617}]},{"text":"we can cancel it now. So we we went on premium freeze. We can cancel it now, and we could look at once you return to work, applying for the policy again. Yeah.","start_word":1555,"end_word":1587,"intents":[{"intent":"Cancel policy","confidence_score":0.7011488}]},{"text":"We'd keep the life cover most yeah. certainly.","start_word":1607,"end_word":1614,"intents":[{"intent":"Keep income protection","confidence_score":0.037837557}]},{"text":"The only risks in canceling it are that we like, it we have to rewrite the policy later. So we just have to go through all the medical, like, the medical questions and stuff like that. Not a biggie so long as all your health and everything stay the same. Yeah.","start_word":1650,"end_word":1700,"intents":[{"intent":"Discuss medical questions","confidence_score":0.057605203}]},{"text":"We look at new providers on the market. We'll have a look at, you know, getting you know, see if we we can decrease the premium, see what we can do in that area when you return to work. yeah.","start_word":1755,"end_word":1794,"intents":[{"intent":"Review new providers","confidence_score":0.18056421}]},{"text":"let me amend the document again and get it through to you again.","start_word":1843,"end_word":1855,"intents":[{"intent":"Amend document","confidence_score":0.5108985}]},{"text":"Your acceptance to consolidate, get rid of uni, and we'll cancel the IP, and we'll go from there.","start_word":1921,"end_word":1938,"intents":[{"intent":"Consolidate and cancel ip","confidence_score":0.0048629064}]},{"text":"And then what I'll do is once I get that through to you, which I should be able to get through to you honestly tomorrow, I'll just make it a priority tomorrow morning.","start_word":1939,"end_word":1971,"intents":[{"intent":"Make a priority","confidence_score":0.06689627}]},{"text":"and go through the application forms for the two accounts, like the the bond like, the two bonds and get that underway with you, we can get those two set up, and we can get the money transferred and deposited That into those would two.","start_word":2004,"end_word":2048,"intents":[{"intent":"Set up and send documents","confidence_score":0.034436047}]},{"text":"I'll add you into the calendar invite so that way it pops up for you. Oh, wonderful.","start_word":2139,"end_word":2155,"intents":[{"intent":"Add to calendar invite","confidence_score":0.65407056}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Ainsley. How are you going? Hello? You got Ainsley? Hi. Mhmm. Hello. How are you going? Hi. How are you?","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.13122105598449707},{"text":"Yeah. Good. Thank you.","start_word":22,"end_word":25,"sentiment":"positive","sentiment_score":0.5348190069198608},{"text":"But, I guess, before we jump into it, I need to let you know our calls are recorded. And and if I could go through security, if you if I've still got you at a good time. Yep. Yep.","start_word":26,"end_word":64,"sentiment":"neutral","sentiment_score":0.007142612710595131},{"text":"That's Perfect.","start_word":65,"end_word":66,"sentiment":"positive","sentiment_score":0.4359844624996186},{"text":"Just full name, date of birth, and fine. address, please. Angel Brown, 4589330 South Street, Marumba, but we're moving to 51440. Never mind. That that's the one I've got.","start_word":67,"end_word":95,"sentiment":"neutral","sentiment_score":0.11497606337070464},{"text":"Excellent.","start_word":96,"end_word":96,"sentiment":"positive","sentiment_score":0.5139219760894775},{"text":"Okay. So I guess lay it on me. What how come the drastic decision to flip and move? Like, we we were we were going back to to Europe, and then we decided to full $3.60, $1.80 Yeah. flip. And Yeah. It was pretty it's pretty crazy. I was looking at what I needed to do with the house, the rental. I couldn't maintain it like I did before. I kept it. yep. And I was, like, slowly puttering along and trying to organize everything. I wasn't getting anything done in time for when I wanted to fly. I got to blame. Blame is blame. And then the owner said they need the house for a family member who Yep. is sick, and it was it was just all action taken. So and it was or everything everything came too overwhelming, and I said, I'll do the rental somewhere else. I'll move. I'll sort it out later. And then so I decided that's when I decided to put going back to The UK on hold for the moment. And then I couldn't get rental. So I went off. I could all buy a motor home, and that's the thing I'm gonna pay with rent. And we'll travel Australia for as long as I can reasonably. We are bringing absolutely broke, and then I'll go back to work for a year or so before we make every bit more of a payment move back to UK. So everything just kinda flipped on its head. And the the idea of having a survey was always the it's like Yeah. it was, like, Europe or Australia, and then I got into, like, a rock or the listing of life. Yeah.","start_word":97,"end_word":383,"sentiment":"neutral","sentiment_score":-0.15637671811837145},{"text":"We we And were loving on Europe.","start_word":384,"end_word":390,"sentiment":"positive","sentiment_score":0.35103490948677063},{"text":"yeah. Yeah. And then I kinda like I just wanna speak more safe, you know, not leave out a hotel for a while, but I didn't wanna be just, you know, just. So if I've got you for that to come, I don't need to get into, like, everything of Monday in March yet. But, like, you know, hotel Yeah. just, like, I I just want a bit of a break. A bit a bit more of a break from that. So we Yep. do a bit of a compromise. And then I found a a motor home in and still up there, bought it, bought it back. Had a world of problems mechanically, and will he move into it permanently next week?","start_word":391,"end_word":513,"sentiment":"neutral","sentiment_score":0.053517065942287445},{"text":"I love Yeah. So perfection. it's all really crazy.","start_word":514,"end_word":522,"sentiment":"positive","sentiment_score":0.41672059893608093},{"text":"Crazy. But, yeah, this is going up. So What's that? yeah. Okay.","start_word":523,"end_word":534,"sentiment":"neutral","sentiment_score":0.10076262801885603},{"text":"I like it.","start_word":535,"end_word":537,"sentiment":"positive","sentiment_score":0.4005619287490845},{"text":"Alright. Well, I guess, like, advice wise, I put everything together. I then re put everything together Sorry. to no. You're you're so fine. To accommodate for the motor home purchase. So we had a 164. I've obviously taken $60 out of the motor home out for the motor home, so we have a 104 in cash. Yep. What I've looked at overall is ultimately, a, I really wanna do an investment change on your super fund. That's a major part of it. It's just updating the portfolio, getting rid of some of the assets that just aren't really cutting the grade, rebalancing things out a lot more, and just getting some some balance and and get some, like, you know, returns happening. One of the assets, it it it's just it hasn't really returned after it had a major drop. So I just wanna cut that out completely. I just don't wanna sit on it anymore. Mhmm.","start_word":538,"end_word":695,"sentiment":"neutral","sentiment_score":0.042214293516229226},{"text":"So wanna do that, which overall drops down the investment fees, which is nice. So a bit of a cost savings there.","start_word":696,"end_word":717,"sentiment":"positive","sentiment_score":0.4183957874774933},{"text":"And then I wanna set up the two accounts. So, originally, I was going to put $90 into an investment account for you because we bought the van. I dropped that to 30 because that's realistically all that's remaining when I consider the fact that you still need to have cash to live on. Yeah. Because so I'm receiving a payment, a single payment Yeah. at the moment, and then the same thing that that's it. So I'm just looking at the now that the big expenses Yeah. are kinda gone. Yeah. Yeah.","start_word":718,"end_word":810,"sentiment":"neutral","sentiment_score":0.01951560750603676},{"text":"It's still good to have it back in it, obviously.","start_word":811,"end_word":820,"sentiment":"positive","sentiment_score":0.3701068162918091},{"text":"Yeah. It's just if anything pops up, if we decide to to, you know, do anything, if the van anything that way, That means we're not dipping in. And then Yep. I've got $10 going to the Generation Life investment bond. From there, and I guess it's a little bit because circumstances changed, and you're staying in Australia now, whether we look at maybe doing a bit of a savings plan towards those accounts ongoing where we can put, you know, $50 in a week or, you know, whatever the case may be, cash flow wise, that you have the ability to afford depending on what our expenses are gonna be. And it might be same maybe a conversation in three to six months once you're on the road where, you know, we can just we can set up the the contribution.","start_word":821,"end_word":962,"sentiment":"neutral","sentiment_score":0.16720094458318094},{"text":"That's it's nice and easy.","start_word":963,"end_word":967,"sentiment":"positive","sentiment_score":0.7626463770866394},{"text":"Yes. So I just didn't wanna sort of, like, recommend it until we knew where your cash flow kinda sat and what the expenses were gonna sit at because we went drastically left field. Yes. But that's in the crux of it where everything fits. Now we've talked about it previously about keeping the insurance in your uni super. I know the preference was that you did wanna keep it, so I've K. left it there for now. They just But sent me a as well. Let me just mhmm. find it. So I obviously haven't contributed anything to that employee. We didn't we said the the standard for the insurance, we can't believe they have any contribution for over twelve months. Yep. You're probably aware of it. One of the rewards. So Yes. it's pretty much asking me, do I wanna do that? And all I have to do is introduce something once or then reactivate the. Yep. But, also, they're not paying double premium.","start_word":968,"end_word":1133,"sentiment":"neutral","sentiment_score":-0.05892612040042877},{"text":"And I I think I think I'm actually probably better off getting rid of the insurance stuff and rolling it all into one.","start_word":1134,"end_word":1156,"sentiment":"negative","sentiment_score":-0.388273686170578},{"text":"So I'm not paying multiple premiums, multiple insurances, that kind of stuff. Yeah. Which we can definitely do. Because, like, the UniSuper, it's, like, it's half a million of life, half a million of PPD, and then you've got the, like, the protection, which is a ninety day five year. And then we've got our life TPD IP, which is 300 life 300 TPD, and then our IP, which is thirty days to age 65 with ClearView. Sorry. Mental blank there. We with ClearView. So kinda like, realistically, currently, if anything happens, there's, you know, like, $800,000 that is payable to your estate, which sounds good and great, but it's you know, it is also digging into what we wanna do to put money away for you. Mhmm. So do you want to I I guess, because when we spoke when we've spoken over, like, over the past twelve months, fourteen, fifteen months, I guess the concern was is it making sure that something was there for Ryla? Rylann. Right. Yeah. Rylann. I know he said Riker, which is one of my mate's friends. No. One of my mate's kids, but Rylann. Yeah. Making sure that something's there for Rylan, making sure that you've you've you've got things there for him, but at the same time, we wanna save for you.","start_word":1157,"end_word":1377,"sentiment":"neutral","sentiment_score":0.04135309009732704},{"text":"We wanna put money away for you.","start_word":1378,"end_word":1384,"sentiment":"positive","sentiment_score":0.3576413691043854},{"text":"We wanna make sure that we can grow the assets that you have and the two policies with the split accounts gets you there. Don't get me wrong, but it's not as strong as if we consolidate everything. Yeah. Okay. I think I think we're best to consolidate everything. I I think I like to move to the because it was the best option, but it's not the best option at the moment that I need to and see since principle. I don't know why I'm mostly attached to this company. But, yeah, like, yeah, that's the reason why I'm I'm doing good thing if could you cover everything that I needed to cover? And it's got the longer it's got the longer waiting the the longer benefit period if anything happens to you with income protection as well. Yeah. Okay. We do I need that at the moment? Because I'm not working. Is that something that can be added on later, or We should can I mention it? we can cancel it now. So we we went on premium freeze. We can cancel it now, and we could look at once you return to work, applying for the policy again. Yeah. But that is is that just the income protection or would what about Just the obviously the the income protection. We'd keep the life cover most yeah. certainly. And yeah. And we we'd just just the income protection is because it's it's linked to your job and replacing income that you don't currently have. Yes. But we Yes. went on premium freeze. Yep.","start_word":1385,"end_word":1649,"sentiment":"neutral","sentiment_score":-0.03834809376946035},{"text":"The only risks in canceling it are that we like, it we have to rewrite the policy later.","start_word":1650,"end_word":1667,"sentiment":"negative","sentiment_score":-0.40109843015670776},{"text":"So we just have to go through all the medical, like, the medical questions and stuff like that. Not a biggie so long as all your health and everything stay the same. Yeah. I'm not not seeing anything. But, I mean, it's a part and parcel, isn't it? Like, you know, appointment, Yep. you need to cover, paying for you, or something that I can't use at this No. date. And I think when you return to work, we just we look at rewriting all of it. We look at new providers on the market. We'll have a look at, you know, getting you know, see if we we can decrease the premium, see what we can do in that area when you return to work. yeah. Okay. Take a whole new look at it. Yeah. Well, I mean, that probably would be needed anyway by that time, so that is a good thing. Yep. So let's do that. Let's roll it all together and get rid of that excess Come Cool. Alright. So on. let me amend the document again and get it through to you again. It's currently sitting with you for signing, so Oh, you can I have a haven't read over it anyway. I haven't But seen it, but it's probably sitting in your junk folder, to be honest. It I sent it through the signing software, so that way it was a win one. Yes. But what I'll do is I'll I'll update everything following our conversation today. Your acceptance to consolidate, get rid of uni, and we'll cancel the IP, and we'll go from there. And then what I'll do is once I get that through to you, which I should be able to get through to you honestly tomorrow, I'll just make it a priority tomorrow morning. You're still here you're still here, like, in reception, not traveling for another week or so. So if I get Jack to give you a call, say, Monday, Tuesday next week, Yes. and go through the application forms for the two accounts, like the the bond like, the two bonds and get that underway with you, we can get those two set up, and we can get the money transferred and deposited That into those would two.","start_word":1668,"end_word":2048,"sentiment":"neutral","sentiment_score":-0.02323540176932267},{"text":"be wonderful.","start_word":2049,"end_word":2050,"sentiment":"positive","sentiment_score":0.5969724059104919},{"text":"Right. Cool. Alright. I can do that. Is there a time, date, day that works better for you next week that I can get Jack onto it? That's not my calendar? Wednesday afternoon, you Yep. go probably anytime from twelve Wednesday afternoon from 12:00 onwards. So would 12:00 work? onwards. Cool. Yep. Alright. I will pop that in Jack's calendar for next Wednesday at 12:00, and he can give you a call and go through the Generation Life applications. Yep. Let's write it down Amazing.","start_word":2051,"end_word":2135,"sentiment":"neutral","sentiment_score":0.09421614557504654},{"text":"so it's good. I'll add you into the calendar invite so that way it pops up for you. Oh, wonderful. That's great. Excellent. Cool.","start_word":2136,"end_word":2159,"sentiment":"positive","sentiment_score":0.4874788522720337},{"text":"Alright. Alright. I'll get the SOA spun out again, and I'll get it through to you tomorrow.","start_word":2160,"end_word":2176,"sentiment":"neutral","sentiment_score":0.22058165073394775},{"text":"Wonderful.","start_word":2177,"end_word":2177,"sentiment":"positive","sentiment_score":0.475752592086792},{"text":"Thank No. That's you okay. Email me with any questions, so like, as you're reading through the document, but, much. yeah, we'll go from there.","start_word":2178,"end_word":2202,"sentiment":"neutral","sentiment_score":0.09628583192825316},{"text":"Okay. Wonderful. Sounds great. Thank you so much. That's okay, my darling. We will speak soon.","start_word":2203,"end_word":2218,"sentiment":"positive","sentiment_score":0.670285165309906},{"text":"Bye.","start_word":2219,"end_word":2219,"sentiment":"neutral","sentiment_score":0.2046205997467041}],"average":{"sentiment":"neutral","sentiment_score":0.02198815024197676}}}}