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I've got you scheduled in to to go over a general discussion on your your insurances, plus I got a little bit of an update there just on some of those comparisons. I haven't got them into a a document yet just because it's not really a templated document I can throw it into. So haven't had a chance to put it together, but I can go over to on the phone with you this afternoon if you got a bit of time there as well. Yeah. I'll still put it into a a document. Yep. Yeah. I'll have a general conversation with you, and then that might narrow it down so I don't have to put all the options in there for you to have a look at. As I said, it's not a a standard document yet. Yep. With in regards to that there, Kitch, we don't send out, like, the entire files, which is why we have to put it into a separate document, which is why I haven't had a chance to do that. Yeah. If you don't wanna talk on those and I'll get around to putting it into a document there, then I can have a chat around the insurances tonight. And if you wanna talk about the other stuff at a later date, once I've put that into later date. Yep. Let me just bring that up here. Joseph said we're transferring systems there. So I believe it was at the the January then. Let me just get an exact date there, kid. Bear with me. Apologies for the delay. We've literally switched systems there as well in the meantime since we last spoke, so everything's a little bit all over the shop. I'm just trying to find the call log that list. Yep. I believe it was around the January 14 there, the last conversation we had there, kids. The scheduled conversation today, their kids, wasn't in regards to that. As I said, we've had a system change since we had that last spoke. The documents have been created, but as a separate document to put in for you to have as a client has not been created just due to that change. So I do apologize. No. I completely understand kids what your expectations are there and Yep. Yep. So could you discuss here more personal details there? I'd have to pass you through security just for that name, date of birth, and current address, and then we can go over that. Perfect. Thanks. So I could just let you know if these calls still are recorded there for quality and training. Now I understand completely what you're saying with that. In regards to what your expectations are, you do have to sort of understand a little bit there that your expectations of what you're receiving as a client are slightly outside of what we normally provide, which does in turn change those time frames as well. If we had that general discussion and I made a recommendation from the general discussion from what you're comfortable with as a client and what the recommendation sort of flows towards, then you would just get the document with the one recommendation and the the appendix with a couple of the alternatives. Now to get the comparison between your current versus, like, the SMA we discussed versus, like, an index option versus, like, an active managed option, We can't just send you all those reports because, obviously, it just looks like gibberish. It looks messy, and then it's also just stuff you don't need there as well. So as a business, they have an expectation that we put that into a document. Now you're turning what it's But that this wasn't the call that I scheduled in there, kids, so I have to do stop you there. You wanted to talk about the insurance, and I yep. And I've explained previously that kids just with the business with the changes that have occurred, there is a backlog. And you are, like, at the top of the list in terms of things that are getting done, but you have to understand that with those system changes too that did occur and then the the expectation of those five separate options. Yep. Yep. And with that, yeah, again, that's not as me as an individual to send out those company wide emails. So that is part of their monthly newsletters that they do sort of give updates, and they haven't obviously been as forthcoming as what's happening in the background there as well. So I do understand what you're coming from there, Kitch, and then I can only try and move forward from what we're doing. As I said, the research there is done. I've just gotta find a spare moment to put it into that nonstandard document, which takes a little bit of extra time. So if you give me a couple of extra weeks there, I'll try and put it into a document that makes clear sense to you. And then if you need some more information based on the figures that I provide in that document, because it won't have all the justifications. It would just have the figures and then the breakdowns of everything, and I'll just table it up for you. And then we can have a conversation to go over those. But we'll put that on the back burner for now. I can even put you in a book you in for a couple weeks from now just to have that scheduled in to go over that. But in terms of the insurance portion, kids, so as you said, that's something that you can look at, and we can have a discussion sort out today. We can just jump on to Yep. I was gonna do it at the end of the phone call, but if you wanna do it now, that's not a problem. Yep. Yep. I'll book you in for if I'll have a look here what works. Would 6PM, Friday, Monday the second, work for you in March then? The start of thing. Gives me time to put in a document. You'll have a document. You can look at the document while I have a conversation with you. Yep. With that, it's about a a week and a yeah. Week and a half there for that. But, yeah, that's enough yeah. That's, yeah, that's that's enough time for me to put as I said, the the research is there, Kij. Obviously, like, we get booked out a little bit in advance. I'm just trying to find a spare moment to have booked aside a time tomorrow, actually. It was in my calendar to go through some research decisions and things like that as well. So that's at the top of the list there. So I'll get that sorted, try and make it pretty up, and I've got you in there now for six PM your time, the March 2, and we can I'll email that to you. We can go over that and have a discussion around that there, Kij. Got it. Yep. Yep. Yep. I've got your certificate of currency for that policy, and that one's dated yeah. The commencement date's the 2026, and premium date is the nineteenth to the third. So that should be the, yeah, the most up to date one. Yep. Yep. So because you hold the policy within superannuation instead of, like, paying personally out of pocket, you get a 15%, like, tax rebate for holding the policy within superannuation. So that 15% discount is actually, like, the savings. So, technically, the policy cost the policy amount, but you get that rebate by having it in superannuation, which is the rollover that's requested from your superannuation to pay for it. Correct. Yep. Yep. Live TBD and IP, and they all have their separate sort of breakdowns on what they cost in the premium. Yep. Yep. Yep. So with that benefit period to age 65, that would mean that if you were to ever end up on a claim, it would pay all the way up until the age of 65. Or if you had a conversation with your insurer that worked out some sort of payment, if they just, like, discovered that you would not ever return to work, if that makes sense. So it's the most comprehensive benefit period you can hold on a policy for, like, more recent policies that is. That income support code, let me just touch on that first. It's not for redundancy and not finding a job. It's if you're sick or injured to where you can't perform a job. So it doesn't count for, like, redundancy. There are certain, like, redundancy covers to where if you aren't within a job at the time, you can still pay a premium. Back. But in saying that, the income support covers for if you're sick or injured. So if you're out of work for a period of time, you can't claim on your income protection cover for that. But the second part there in regards to benefit period, you're right. Sort of some people do decide to go for the more five year because if you hurt yourself, kids, and you're unable to work, there's a high likelihood that no matter what the injury, you're either back at work in that five year period or you might be looking down the route to total permanent disablement and making a claim that way. If you're on claim for more than five years for income protection cover, there's a likelihood that you might never go back to work, and you might never go back to work, like, in a role or a similar role to you're currently working, if that makes sense. Mhmm. So that specific exclusion is related to that lumbar spine exclusion that you got when you originally took out the policy just due to previous health. So with that too, Kij, if you got into a car accident and broke your back and it's related specifically to the car accident, not your preexisting injury that did occur to your your spinal region, you'd still be covered under your income protection policy. It's just anything and any condition that is related specifically to what was preexisting in those numbers. To the chiropractor. Yep. So exclusion stay on the policy until such time you review them. Now normally for things related to chiropractic, seeing a chiropractor, and those sort of things, they they wanna see, like, three to five years of you not receiving any treatment or a sort of, you know, just that it's for general maintenance and care. Now insurers always look to the worst. Now I wasn't around when that policy was written, so we can, like Priya's says, based on, like, what you've gone through. Yep. Yes. Yes. So like I said, you did know that it Yeah. We can just even look to do the process of the musculoskeletal questionnaire with Neos first to see if we can get it removed based on your answers from that. As I said, I don't know the exactly what you've stated during that process when you went through it. But, generally, if you do ask any chiropractor for any sort of injury, if it was just maintenance, like I said, like you said, you can look at getting it removed. So we can go down that route as well and look at getting that reviewed. Yeah. That's not a problem at all. Yep. Yeah. Well, next next next next is considered is fine. So so, like, that's just oh, yeah. Yep. So, like, as I say, kids, like, I wasn't around for that, so no need to get worked up. We can review that. We can go through the process with Neos first. If they're not willing to review it, then we can just, as you said, go to market again. We can do that pre assessment process. Again, I know previously, other than, like, obviously, seeing a chiropractor, you didn't disclose any health issues and things like that, so it shouldn't be an issue to go to market again. We can obviously review this policy first and see if we can look at getting it removed. Now I will ask you a few questions there in regards to that there, kids, so bear with me. I'll just get a pre assessment questionnaire so we can no. Exclusions are just excluded. If you get a loading, it increases the premium, but the exclusion just excludes the the the area that it yeah. So bear with me there, kid. Georges. Yep. Yeah. And look, I I will be honest. Like, insurers are quite strict and stringent, and they do exclude anything they can for whatever reason they generally can. But as I said, we can review it. We can have a look at it and see in regards to your case of, obviously, just doing it for general maintenance for the next region, how they'll view it moving forward, and then we can confirm with a couple of other insurers how they'd view it. And then if it comes back that another insurance would accept your extended rates, we can look at rewriting that as part as your advice as well that gives yeah. Not a problem. Generally, with your, like, occupation as well, it shouldn't be much of an an issue. Like you said, you're not downhill mountain biking and things like that. You just, you know, you're quite quite standard in what you're you're doing, so that's fine. Bear with me. I'll just bring up your old pre assessment as well and just confirm a few things. Perfect. So still senior business, and then income, yeah, the $1.04 8. So that's changed a little bit. And then with your role there, you're not going any on-site visits for anywhere even if it's, like, the other, like, corporate workplaces or remote? Yep. Perfect. And now I know you said previously that you were a social smoker, so that can affect premium. I know you stopped it at some point, but just have the occasional one. Now if you haven't been smoking or touching cigarettes for a twelve month period, you can look at obviously not having smokers rates at all. If you have touched nicotine products within that time frame, you would be looking at smokers rates, which does affect insurance premiums. Now have you stopped, like, casually smoking within a twelve month period there, Tukic? Yep. So that will still mean that smokers rates do apply at some point if you're not touching tobacco at all. So it doesn't matter if it's one a day, if it's 20 a day. It just it's smokers' rates. It's smokers' rates. And if you don't smoke within a twelve month period, that also is something that we can look at getting removed, and that does quite heavily affect premiums. So that would be another reason why they're higher. Your occupation's quite safe in terms of its nature, so that's not a huge issue. That is another key factor on on price. So with that one there as well bear with me. I'll just bring up the old one again. And then still just a a social drinker not having too many drinks on the average. Right. Not planning on doing any travel in the next twelve months or, you know, recent, like, going overseas or anything like that? Yeah. But do you have, like, any definite plans, like, booked? Yep. No. That's fine. It just it does make a difference. Sometimes they exclude certain regions and things like that. You know? So that's just why I asked. Now in regards to your your health there, you stated that, obviously, no other changes, no injuries or sicknesses or illnesses or anything. You haven't seen a GP and they've stated anything, like, since you've last gone? I think and then the weight's still sitting around the sort of eighty Your your weight is still sitting around, like, a eighty? Yep. Perfect. Now just in regards to the the neck, was it just tight like, a tight neck, like, that you went to a chiropractor originally? Yep. And when did you first notice, like, the the tightness in the neck? Like, what year or, like, my year and month, if you know? Just it generally. It's not in the the pre it would have been in the application. I can now try and find the application to see what you disclosed. It's it's mainly, yeah, for, like, your, like, your first trip there and then, like, your last trip to the chiropractor. Yeah. And it was it just, like, slight stiffness slight stiffness in the neck? Like, there wasn't any sort of you know, couldn't turn your head. It was or anything like that? Yeah. Would you say it was, like, mild or slight or just, like, you know, it's quite significant? Or Just, like just a slight stiffness that you just noticed when you were moving around a little bit that it was a bit tight, or was it like you couldn't turn and look one way? Yep. Yep. Yep. Yep. That's it. And would would you say, like, the this frequency of symptoms, it was just like a little niggle that you wanted to address before the maintenance before it became anything else? Yep. And then how often did you go, like, in terms of session for those adjustments every month? Yep. Yep. So was it, like, two months weekly and then two months? Yeah. First three months is weekly. And then two months with the the two adjustments a month, and then six or seven As I said, even if it was general maintenance there, they might still view it as looking closer to that three to five year mark, as I said. I'll I'll check with the your Neos, and then I'll check with a few other insurers. But even if it's not an injury, like, an exclusion isn't the end of the world either, kids. It means that, basically, anything related to the stiffness of the if you were unable to work, it means you wouldn't be able to claim on the policy. But I'm assuming even with the stiffness in the neck, you could still complete your role and you could still go back to the physio for that. But the likelihood that you'll be off work for more than a month with a a stiff neck related to that is a little bit slim, but then we'll we'll keep an eye on it. And then if it falls to that three to five year mark, we can look at getting it removed then as well. Yeah. It's just the way the, yeah, the retail cover work. I've, like, had clients that have mentioned that their hand gets a bit stiff and it's cold, and then they've got an arthritis exclusion even though it wasn't diagnosed and things like that. Don't worry. We're constantly fighting with insurers, so don't feel like I'm not on your side. I'm just trying to set the expectation. Yeah. And the degree of recovery that you consider at full at the moment there, kids, you're not having any sort of ongoing issues with that? For your neck, it's like a full recovery. You don't have any ongoing issues at the moment. It's fine now that you're not going to the chiropractor and everything? Perfect. And did you undergo any sort of scans or X rays or anything in regards to that? Yep. And did anything come from the X-ray other than, like, doing the adjustment? Yep. Yeah. Okay. Well, it just like, if any like, if they gave you any sort of diagnosis from that. And sometimes they do request medicals in regards to that. So, like, if you sort of disclosed that you got sort of scans and X rays, the insurer might request those from that when doing those application reviews. And then they'll have a medical expert review those as well, like the independent ones. But in regards to injury to their kids, did you take any time off work at all? Yep. And were you taking any medication, any pain relief, anything like that in that time frame? Perfect. And, yeah, if you don't have any other sort of health that has popped up in the meantime either, that should be fine. I'll just use those details to, one, double check with your current policy and then check with a couple others depending on if that's reviewable currently or not. Now in regards to the policy itself, the kids and the cover amounts, were you still happy with the cover amounts that you covered for? Was it just sort of looking at potentially the the waiting period for that income protection? Or oh. Yep. Yep. What it actually covers yeah. And when it's actually applicable. No. I completely understand. Do you feel like you have a clear understanding now of what income protection actually covers for and what it doesn't? We can change that benefit period too. So if you knocked it down to that five years, your current policy is sitting around that 4,500 mark, it would drop it down to, like, the $34.50, so $3,450 sort of mark as, like, a rough estimate. If you were to just put that benefit period down to the five years and be comfortable with that, if you were to end up on a claim, it would only pay for five years maximum. But, like, explain that again, sir. Just like, so as in, like, you have a policy, it pays for five years, and then you start again for another five years. Is that what you're asking? Yep. Yep. So that that's it. It's not like you've only covered for five years, like, in terms of, like, the policy life. The policy life still holds up until, I think, it's age 65. It just means that if you were to hurt yourself and end on an income protection claim, it would only pay for five years in total. And the policy itself, you can hold all the way up to that even if you don't like, all the way up to the age of that 65, I believe it is for Niels. Don't quote me entirely because I'm not looking at the PDFs, but the policy would hold to that age. But it's just specifically if you're on claim. So if you broke a leg or something like that and were unable to work for three months because you couldn't, you know, get into your workplace or get into your car, you could essentially end up on a claim. And then that claim could pay for three months and then say you're off claim, your policy would still be enforced, and you wouldn't lose that policy. It would just mean that you've had a claim that paid for three months. Now if you injure yourself in a car accident when I'm able to work and you end up on a claim, you could be getting paid for your income protection support cover for five years. But then after that, if you haven't returned to work, it doesn't matter. They're gonna cut that payment off at that five year mark, and then you can't claim additionally again on that and ask for another five years, if that makes sense. If you were to reinjure yourself with something else, you potentially could make another claim for something else or a different injury, but it wouldn't be likely to the same injury, if that makes sense. Yep. So that's the monthly benefit. Obviously, tax comes into it, but that's the monthly amount you would receive if you were to make a successful claim, if that makes sense. So the way that works is when they originally do the application, you do it for 70% of your current income. So 70% of whatever your current income was at the time, because you can only do up to 70% of your income because if people are getting a 100% of their income, you know, they're just gonna keep trying to stay on claim because you're not you're you're getting a full full ride, basically. Whereas if it's 70%, it's more enticing for people to return to work because you're missing out on a certain level of your pay packet even if you're not working, So trying to get people back at work. Now with that premium amount there as well and with the the sum insured because you have CPI on that as well, whatever they deem the CPI rate to be, whether it's, like, they're doing, like, the aiming for the cash rate or things like that, it increases your policy each year by, like, two to 5% depending on what the markets are doing and what things are doing in general. Now so your policy does creep up in terms of, like, how much you're covered for in addition to, obviously, it goes up in price for not only the what the government's doing, what the taxes are at the time, and then also your age as it get up it gets older, and then the amount that goes up goes up a little bit well as as well. So you'll notice even with your life and TPD, that does creep up a little bit each year. You could do the you could do the five year benefit if you'd like. Yep. As as I said, yeah. So, like, if you were to change it to from the age 65 to a five year benefit, it's about a a thousand dollar sorta difference in in premium just based on that. Yeah. You'd be covered all the way up to the age of 65 if you were on on a on a serious claim and were unable to return to work. Yeah. And obviously meet the definitions of the insurer. That's not up to us. Yep. So we, obviously, as a part of you and your reviews, look at, like, your insurance you hold and everything at the time as well. If you feel like you're in a position where you're no longer working and you you are retired, we can just get rid of the policy because you can't ensure for money you aren't earning, if that makes sense as well. Yep. Yep. Yeah. I'll see what that will look like in terms of Just bear with me. It's just loading up to let you know what that difference will be. So bringing it down from the 1.8 to the 1.5 for life and attached total permanent disability, it brings the policy premium down from 4,572 to 4,162. So that of only $400 sort of saving. Yep. Yep. Obviously, you know, given that it's in, like, its first few years of the policy, like, in the first three years, generally, the premiums aren't too different compared to market just as, like, the way they work because they are, like, cumulatively is, like, more of, like, a curve. So those first few years, you do get, like, a bit of a discount on the the premiums, not so much of a discount, but you don't get as many price hikes. But then after that, each year, it tends to hike up a little bit more. So we can definitely, as I said because I'll call Neos and see what they sort of gauge in regards to your previous chiropractor history, if you'll still be an exclusion, if it is reviewable or not. And then with that, based on your occupation, I'll go to a couple of other insurers that rate your occupation quite well, and I'll double check what their pricing is and if the exclusion applies then as well. Yep. Not a problem. Was there anything else in regards to that kit that you wanted to have a chat about? Or Yes. So so with that, like, as a kid, I'll I'll double check with Neos compared to, like, your the information you've given me if we can remove the the spine exclusion given what you've told me. And then I'll also double check on our software there what rates your occupation quite well and then get the pricing from those insurers as to what a policy might cost for the same amount that you currently have, and then if that exclusion will likely still apply on. As I said, with NextUp and things like that, even if it's minor, they generally look at that three to five years for, like, reviewing exclusions. And I've I've seen it sort of pushed out to ten for some people as well. Like, it just all depends on how they deem it. But I'll include that. And then with that two kids, did you want this reduction to go through before the advice, or do you want to us to do all the research and we have a conversation with you in that week and a half booking there as well and give you the information on how you'd like to proceed and whether or not you wanna do the quote straight away or wait for the advice on what the recommendation was? Because I can do I can do the quote for the the the reduction now, and I can get the team to get that off to you, and then we can get that one sorted and then just go from there. Yep. Yep. Yeah. With that dude, just to let you know as well that they do, like, rebate amounts as well. Like, even if you are charged it and you're overcharged and you change it from that, whatever the difference is, it is, like, aggregate across the days that you hold the policy, but just so you are aware. Yep. Not a problem at all. Yeah. No. That's not a problem at all, Kage. Yes. So we're doing updating your advice anyway. So I'll get that by our booking on the second there and give you some sort of options in regards to the insurances as well and what sort of the competitive pricing are and if they're willing to remove any of that that exclusion. As far as the quote goes, I'll try and get that sent off to you, like, this afternoon. I just have to do forewarn you that when it comes to even though you're looking at potentially rewriting anyway, when it comes to increasing cover, unless it's under, like, certain life events, you do have to go through underwriting again. And then it's just to be wary of, like I know you've got a bit of debt, but a lot of that is into regards to, like, having an investment property, things like that as well. And you do have quite a bit of savings. So in saying that you're quite well protected in the sense that even with the 1.5, it would cover your primary residence debt and some income replacement for, you know, probably that two to three year mark given that your income's quite high. And then you'd still have, like, your other assets and things like that that you'd have to work with in regards to that and your also your superannuation balance. As long as you're aware and comfortable with that, I'm comfortable just to send you out that quote and look at that reduction. Yeah. Yep. Yep. Not a problem at all. As I said, the the cost savings will be around that $400 mark in terms of that for that next rollover amount, if that makes sense. Not a problem at all, Kitch. Was there anything else that you wanted to have a chat about while you've got me there? Perfect. Well, I'll Yep. Yep. As I said, it'll just be some tabled up figures there for you to give you sort of a rough idea of the different options. It won't be just like the full reporting and things like that as well. As I said, it's there. I've just gotta collate it. Yeah. Yep. Exactly. So yeah. That's yeah. That's why I wouldn't send you, like, all the reports that I've got because for you, it's probably more confusing than if I simplify it down to the figures that actually matter because the things that spits out, there's a million different things. There's only a few that probably actually you're concerned about or wanna actually hear about if that makes sense as well. Yep. Yep. Yep. Completely understand, kids. I I know exactly where you're coming from. As I said, it has taken a bit longer, but there there has been a lot of things going on the background. Yeah. Sorry that the business hasn't communicated that properly really in the the newsletters and things like that, but a lot of it, yeah, is sort of stuff that not to concern really the the clients with. Obviously, it does affect you in the background because you're going through the process at the moment. For the large majority, though, it is a little bit out of sight out of mind and normally wants to know when we're switching CRMs and softwares and things like that as well. So, again yep. A little bit of a lack of communication, but, yeah, we're we got it booked in there. We'll get it sorted moving forward. Well, yeah, that would play a difference as well. Yeah. Yeah. Okay. Yeah. No. That makes a lot more sense there as well, kids. So yep. Completely understand. Yeah. No. No. That makes a lot more sense there as well. So okay. Not a not a problem. Well, we got it booked in there in a a week and a half there, and we'll have a bit more of a conversation, or you can have a look at a few things. No worries. Could you enjoy the rest of your afternoon? Thanks for your time. Thanks. 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afternoon, Kij. It's Carl calling from Oakview Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking, Kij. I've got you scheduled in to to go over a general discussion on your your insurances, plus I got a little bit of an update there just on some of those comparisons. I haven't got them into a a document yet just because it's not really a templated document I can throw it into. So haven't had a chance to put it together, but I can go over to on the phone with you this afternoon if you got a bit of time there as well. Yeah.\n\nI'll still put it into a a document. Yep. Yeah. I'll have a general conversation with you, and then that might narrow it down so I don't have to put all the options in there for you to have a look at. As I said, it's not a a standard document yet.\n\nYep. With in regards to that there, Kitch, we don't send out, like, the entire files, which is why we have to put it into a separate document, which is why I haven't had a chance to do that. Yeah. If you don't wanna talk on those and I'll get around to putting it into a document there, then I can have a chat around the insurances tonight. And if you wanna talk about the other stuff at a later date, once I've put that into later date.\n\nYep. Let me just bring that up here. Joseph said we're transferring systems there. So I believe it was at the the January then. Let me just get an exact date there, kid.\n\nBear with me. Apologies for the delay. We've literally switched systems there as well in the meantime since we last spoke, so everything's a little bit all over the shop. I'm just trying to find the call log that list. Yep.\n\nI believe it was around the January 14 there, the last conversation we had there, kids. The scheduled conversation today, their kids, wasn't in regards to that. As I said, we've had a system change since we had that last spoke. The documents have been created, but as a separate document to put in for you to have as a client has not been created just due to that change. So I do apologize.\n\nNo. I completely understand kids what your expectations are there and Yep. Yep. So could you discuss here more personal details there? I'd have to pass you through security just for that name, date of birth, and current address, and then we can go over that.\n\nPerfect. Thanks. So I could just let you know if these calls still are recorded there for quality and training. Now I understand completely what you're saying with that. In regards to what your expectations are, you do have to sort of understand a little bit there that your expectations of what you're receiving as a client are slightly outside of what we normally provide, which does in turn change those time frames as well.\n\nIf we had that general discussion and I made a recommendation from the general discussion from what you're comfortable with as a client and what the recommendation sort of flows towards, then you would just get the document with the one recommendation and the the appendix with a couple of the alternatives. Now to get the comparison between your current versus, like, the SMA we discussed versus, like, an index option versus, like, an active managed option, We can't just send you all those reports because, obviously, it just looks like gibberish. It looks messy, and then it's also just stuff you don't need there as well. So as a business, they have an expectation that we put that into a document. Now you're turning what it's But that this wasn't the call that I scheduled in there, kids, so I have to do stop you there.\n\nYou wanted to talk about the insurance, and I yep. And I've explained previously that kids just with the business with the changes that have occurred, there is a backlog. And you are, like, at the top of the list in terms of things that are getting done, but you have to understand that with those system changes too that did occur and then the the expectation of those five separate options. Yep. Yep.\n\nAnd with that, yeah, again, that's not as me as an individual to send out those company wide emails. So that is part of their monthly newsletters that they do sort of give updates, and they haven't obviously been as forthcoming as what's happening in the background there as well. So I do understand what you're coming from there, Kitch, and then I can only try and move forward from what we're doing. As I said, the research there is done. I've just gotta find a spare moment to put it into that nonstandard document, which takes a little bit of extra time.\n\nSo if you give me a couple of extra weeks there, I'll try and put it into a document that makes clear sense to you. And then if you need some more information based on the figures that I provide in that document, because it won't have all the justifications. It would just have the figures and then the breakdowns of everything, and I'll just table it up for you. And then we can have a conversation to go over those. But we'll put that on the back burner for now.\n\nI can even put you in a book you in for a couple weeks from now just to have that scheduled in to go over that. But in terms of the insurance portion, kids, so as you said, that's something that you can look at, and we can have a discussion sort out today. We can just jump on to Yep. I was gonna do it at the end of the phone call, but if you wanna do it now, that's not a problem. Yep.\n\nYep. I'll book you in for if I'll have a look here what works. Would 6PM, Friday, Monday the second, work for you in March then? The start of thing. Gives me time to put in a document.\n\nYou'll have a document. You can look at the document while I have a conversation with you. Yep. With that, it's about a a week and a yeah. Week and a half there for that.\n\nBut, yeah, that's enough yeah. That's, yeah, that's that's enough time for me to put as I said, the the research is there, Kij. Obviously, like, we get booked out a little bit in advance. I'm just trying to find a spare moment to have booked aside a time tomorrow, actually. It was in my calendar to go through some research decisions and things like that as well.\n\nSo that's at the top of the list there. So I'll get that sorted, try and make it pretty up, and I've got you in there now for six PM your time, the March 2, and we can I'll email that to you. We can go over that and have a discussion around that there, Kij. Got it. Yep.\n\nYep. Yep. I've got your certificate of currency for that policy, and that one's dated yeah. The commencement date's the 2026, and premium date is the nineteenth to the third. So that should be the, yeah, the most up to date one.\n\nYep. Yep. So because you hold the policy within superannuation instead of, like, paying personally out of pocket, you get a 15%, like, tax rebate for holding the policy within superannuation. So that 15% discount is actually, like, the savings. So, technically, the policy cost the policy amount, but you get that rebate by having it in superannuation, which is the rollover that's requested from your superannuation to pay for it.\n\nCorrect. Yep. Yep. Live TBD and IP, and they all have their separate sort of breakdowns on what they cost in the premium. Yep.\n\nYep. Yep. So with that benefit period to age 65, that would mean that if you were to ever end up on a claim, it would pay all the way up until the age of 65. Or if you had a conversation with your insurer that worked out some sort of payment, if they just, like, discovered that you would not ever return to work, if that makes sense. So it's the most comprehensive benefit period you can hold on a policy for, like, more recent policies that is.\n\nThat income support code, let me just touch on that first. It's not for redundancy and not finding a job. It's if you're sick or injured to where you can't perform a job. So it doesn't count for, like, redundancy. There are certain, like, redundancy covers to where if you aren't within a job at the time, you can still pay a premium.\n\nBack. But in saying that, the income support covers for if you're sick or injured. So if you're out of work for a period of time, you can't claim on your income protection cover for that. But the second part there in regards to benefit period, you're right. Sort of some people do decide to go for the more five year because if you hurt yourself, kids, and you're unable to work, there's a high likelihood that no matter what the injury, you're either back at work in that five year period or you might be looking down the route to total permanent disablement and making a claim that way.\n\nIf you're on claim for more than five years for income protection cover, there's a likelihood that you might never go back to work, and you might never go back to work, like, in a role or a similar role to you're currently working, if that makes sense. Mhmm. So that specific exclusion is related to that lumbar spine exclusion that you got when you originally took out the policy just due to previous health. So with that too, Kij, if you got into a car accident and broke your back and it's related specifically to the car accident, not your preexisting injury that did occur to your your spinal region, you'd still be covered under your income protection policy. It's just anything and any condition that is related specifically to what was preexisting in those numbers.\n\nTo the chiropractor. Yep. So exclusion stay on the policy until such time you review them. Now normally for things related to chiropractic, seeing a chiropractor, and those sort of things, they they wanna see, like, three to five years of you not receiving any treatment or a sort of, you know, just that it's for general maintenance and care. Now insurers always look to the worst.\n\nNow I wasn't around when that policy was written, so we can, like Priya's says, based on, like, what you've gone through. Yep. Yes. Yes. So like I said, you did know that it Yeah.\n\nWe can just even look to do the process of the musculoskeletal questionnaire with Neos first to see if we can get it removed based on your answers from that. As I said, I don't know the exactly what you've stated during that process when you went through it. But, generally, if you do ask any chiropractor for any sort of injury, if it was just maintenance, like I said, like you said, you can look at getting it removed. So we can go down that route as well and look at getting that reviewed. Yeah.\n\nThat's not a problem at all. Yep. Yeah. Well, next next next next is considered is fine. So so, like, that's just oh, yeah.\n\nYep. So, like, as I say, kids, like, I wasn't around for that, so no need to get worked up. We can review that. We can go through the process with Neos first. If they're not willing to review it, then we can just, as you said, go to market again.\n\nWe can do that pre assessment process. Again, I know previously, other than, like, obviously, seeing a chiropractor, you didn't disclose any health issues and things like that, so it shouldn't be an issue to go to market again. We can obviously review this policy first and see if we can look at getting it removed. Now I will ask you a few questions there in regards to that there, kids, so bear with me. I'll just get a pre assessment questionnaire so we can no.\n\nExclusions are just excluded. If you get a loading, it increases the premium, but the exclusion just excludes the the the area that it yeah. So bear with me there, kid. Georges. Yep.\n\nYeah. And look, I I will be honest. Like, insurers are quite strict and stringent, and they do exclude anything they can for whatever reason they generally can. But as I said, we can review it. We can have a look at it and see in regards to your case of, obviously, just doing it for general maintenance for the next region, how they'll view it moving forward, and then we can confirm with a couple of other insurers how they'd view it.\n\nAnd then if it comes back that another insurance would accept your extended rates, we can look at rewriting that as part as your advice as well that gives yeah. Not a problem. Generally, with your, like, occupation as well, it shouldn't be much of an an issue. Like you said, you're not downhill mountain biking and things like that. You just, you know, you're quite quite standard in what you're you're doing, so that's fine.\n\nBear with me. I'll just bring up your old pre assessment as well and just confirm a few things. Perfect. So still senior business, and then income, yeah, the $1.04 8. So that's changed a little bit.\n\nAnd then with your role there, you're not going any on-site visits for anywhere even if it's, like, the other, like, corporate workplaces or remote? Yep. Perfect. And now I know you said previously that you were a social smoker, so that can affect premium. I know you stopped it at some point, but just have the occasional one.\n\nNow if you haven't been smoking or touching cigarettes for a twelve month period, you can look at obviously not having smokers rates at all. If you have touched nicotine products within that time frame, you would be looking at smokers rates, which does affect insurance premiums. Now have you stopped, like, casually smoking within a twelve month period there, Tukic? Yep. So that will still mean that smokers rates do apply at some point if you're not touching tobacco at all.\n\nSo it doesn't matter if it's one a day, if it's 20 a day. It just it's smokers' rates. It's smokers' rates. And if you don't smoke within a twelve month period, that also is something that we can look at getting removed, and that does quite heavily affect premiums. So that would be another reason why they're higher.\n\nYour occupation's quite safe in terms of its nature, so that's not a huge issue. That is another key factor on on price. So with that one there as well bear with me. I'll just bring up the old one again. And then still just a a social drinker not having too many drinks on the average.\n\nRight. Not planning on doing any travel in the next twelve months or, you know, recent, like, going overseas or anything like that? Yeah. But do you have, like, any definite plans, like, booked? Yep.\n\nNo. That's fine. It just it does make a difference. Sometimes they exclude certain regions and things like that. You know?\n\nSo that's just why I asked. Now in regards to your your health there, you stated that, obviously, no other changes, no injuries or sicknesses or illnesses or anything. You haven't seen a GP and they've stated anything, like, since you've last gone? I think and then the weight's still sitting around the sort of eighty Your your weight is still sitting around, like, a eighty? Yep.\n\nPerfect. Now just in regards to the the neck, was it just tight like, a tight neck, like, that you went to a chiropractor originally? Yep. And when did you first notice, like, the the tightness in the neck? Like, what year or, like, my year and month, if you know?\n\nJust it generally. It's not in the the pre it would have been in the application. I can now try and find the application to see what you disclosed. It's it's mainly, yeah, for, like, your, like, your first trip there and then, like, your last trip to the chiropractor. Yeah.\n\nAnd it was it just, like, slight stiffness slight stiffness in the neck? Like, there wasn't any sort of you know, couldn't turn your head. It was or anything like that? Yeah. Would you say it was, like, mild or slight or just, like, you know, it's quite significant?\n\nOr Just, like just a slight stiffness that you just noticed when you were moving around a little bit that it was a bit tight, or was it like you couldn't turn and look one way? Yep. Yep. Yep. Yep.\n\nThat's it. And would would you say, like, the this frequency of symptoms, it was just like a little niggle that you wanted to address before the maintenance before it became anything else? Yep. And then how often did you go, like, in terms of session for those adjustments every month? Yep.\n\nYep. So was it, like, two months weekly and then two months? Yeah. First three months is weekly. And then two months with the the two adjustments a month, and then six or seven As I said, even if it was general maintenance there, they might still view it as looking closer to that three to five year mark, as I said.\n\nI'll I'll check with the your Neos, and then I'll check with a few other insurers. But even if it's not an injury, like, an exclusion isn't the end of the world either, kids. It means that, basically, anything related to the stiffness of the if you were unable to work, it means you wouldn't be able to claim on the policy. But I'm assuming even with the stiffness in the neck, you could still complete your role and you could still go back to the physio for that. But the likelihood that you'll be off work for more than a month with a a stiff neck related to that is a little bit slim, but then we'll we'll keep an eye on it.\n\nAnd then if it falls to that three to five year mark, we can look at getting it removed then as well. Yeah. It's just the way the, yeah, the retail cover work. I've, like, had clients that have mentioned that their hand gets a bit stiff and it's cold, and then they've got an arthritis exclusion even though it wasn't diagnosed and things like that. Don't worry.\n\nWe're constantly fighting with insurers, so don't feel like I'm not on your side. I'm just trying to set the expectation. Yeah. And the degree of recovery that you consider at full at the moment there, kids, you're not having any sort of ongoing issues with that? For your neck, it's like a full recovery.\n\nYou don't have any ongoing issues at the moment. It's fine now that you're not going to the chiropractor and everything? Perfect. And did you undergo any sort of scans or X rays or anything in regards to that? Yep.\n\nAnd did anything come from the X-ray other than, like, doing the adjustment? Yep. Yeah. Okay. Well, it just like, if any like, if they gave you any sort of diagnosis from that.\n\nAnd sometimes they do request medicals in regards to that. So, like, if you sort of disclosed that you got sort of scans and X rays, the insurer might request those from that when doing those application reviews. And then they'll have a medical expert review those as well, like the independent ones. But in regards to injury to their kids, did you take any time off work at all? Yep.\n\nAnd were you taking any medication, any pain relief, anything like that in that time frame? Perfect. And, yeah, if you don't have any other sort of health that has popped up in the meantime either, that should be fine. I'll just use those details to, one, double check with your current policy and then check with a couple others depending on if that's reviewable currently or not. Now in regards to the policy itself, the kids and the cover amounts, were you still happy with the cover amounts that you covered for?\n\nWas it just sort of looking at potentially the the waiting period for that income protection? Or oh. Yep. Yep. What it actually covers yeah.\n\nAnd when it's actually applicable. No. I completely understand. Do you feel like you have a clear understanding now of what income protection actually covers for and what it doesn't? We can change that benefit period too.\n\nSo if you knocked it down to that five years, your current policy is sitting around that 4,500 mark, it would drop it down to, like, the $34.50, so $3,450 sort of mark as, like, a rough estimate. If you were to just put that benefit period down to the five years and be comfortable with that, if you were to end up on a claim, it would only pay for five years maximum. But, like, explain that again, sir. Just like, so as in, like, you have a policy, it pays for five years, and then you start again for another five years. Is that what you're asking?\n\nYep. Yep. So that that's it. It's not like you've only covered for five years, like, in terms of, like, the policy life. The policy life still holds up until, I think, it's age 65.\n\nIt just means that if you were to hurt yourself and end on an income protection claim, it would only pay for five years in total. And the policy itself, you can hold all the way up to that even if you don't like, all the way up to the age of that 65, I believe it is for Niels. Don't quote me entirely because I'm not looking at the PDFs, but the policy would hold to that age. But it's just specifically if you're on claim. So if you broke a leg or something like that and were unable to work for three months because you couldn't, you know, get into your workplace or get into your car, you could essentially end up on a claim.\n\nAnd then that claim could pay for three months and then say you're off claim, your policy would still be enforced, and you wouldn't lose that policy. It would just mean that you've had a claim that paid for three months. Now if you injure yourself in a car accident when I'm able to work and you end up on a claim, you could be getting paid for your income protection support cover for five years. But then after that, if you haven't returned to work, it doesn't matter. They're gonna cut that payment off at that five year mark, and then you can't claim additionally again on that and ask for another five years, if that makes sense.\n\nIf you were to reinjure yourself with something else, you potentially could make another claim for something else or a different injury, but it wouldn't be likely to the same injury, if that makes sense. Yep. So that's the monthly benefit. Obviously, tax comes into it, but that's the monthly amount you would receive if you were to make a successful claim, if that makes sense. So the way that works is when they originally do the application, you do it for 70% of your current income.\n\nSo 70% of whatever your current income was at the time, because you can only do up to 70% of your income because if people are getting a 100% of their income, you know, they're just gonna keep trying to stay on claim because you're not you're you're getting a full full ride, basically. Whereas if it's 70%, it's more enticing for people to return to work because you're missing out on a certain level of your pay packet even if you're not working, So trying to get people back at work. Now with that premium amount there as well and with the the sum insured because you have CPI on that as well, whatever they deem the CPI rate to be, whether it's, like, they're doing, like, the aiming for the cash rate or things like that, it increases your policy each year by, like, two to 5% depending on what the markets are doing and what things are doing in general. Now so your policy does creep up in terms of, like, how much you're covered for in addition to, obviously, it goes up in price for not only the what the government's doing, what the taxes are at the time, and then also your age as it get up it gets older, and then the amount that goes up goes up a little bit well as as well.\n\nSo you'll notice even with your life and TPD, that does creep up a little bit each year. You could do the you could do the five year benefit if you'd like. Yep. As as I said, yeah. So, like, if you were to change it to from the age 65 to a five year benefit, it's about a a thousand dollar sorta difference in in premium just based on that.\n\nYeah. You'd be covered all the way up to the age of 65 if you were on on a on a serious claim and were unable to return to work. Yeah. And obviously meet the definitions of the insurer. That's not up to us.\n\nYep. So we, obviously, as a part of you and your reviews, look at, like, your insurance you hold and everything at the time as well. If you feel like you're in a position where you're no longer working and you you are retired, we can just get rid of the policy because you can't ensure for money you aren't earning, if that makes sense as well. Yep. Yep.\n\nYeah. I'll see what that will look like in terms of Just bear with me. It's just loading up to let you know what that difference will be. So bringing it down from the 1.8 to the 1.5 for life and attached total permanent disability, it brings the policy premium down from 4,572 to 4,162. So that of only $400 sort of saving.\n\nYep. Yep. Obviously, you know, given that it's in, like, its first few years of the policy, like, in the first three years, generally, the premiums aren't too different compared to market just as, like, the way they work because they are, like, cumulatively is, like, more of, like, a curve. So those first few years, you do get, like, a bit of a discount on the the premiums, not so much of a discount, but you don't get as many price hikes. But then after that, each year, it tends to hike up a little bit more.\n\nSo we can definitely, as I said because I'll call Neos and see what they sort of gauge in regards to your previous chiropractor history, if you'll still be an exclusion, if it is reviewable or not. And then with that, based on your occupation, I'll go to a couple of other insurers that rate your occupation quite well, and I'll double check what their pricing is and if the exclusion applies then as well. Yep. Not a problem. Was there anything else in regards to that kit that you wanted to have a chat about?\n\nOr Yes. So so with that, like, as a kid, I'll I'll double check with Neos compared to, like, your the information you've given me if we can remove the the spine exclusion given what you've told me. And then I'll also double check on our software there what rates your occupation quite well and then get the pricing from those insurers as to what a policy might cost for the same amount that you currently have, and then if that exclusion will likely still apply on. As I said, with NextUp and things like that, even if it's minor, they generally look at that three to five years for, like, reviewing exclusions. And I've I've seen it sort of pushed out to ten for some people as well.\n\nLike, it just all depends on how they deem it. But I'll include that. And then with that two kids, did you want this reduction to go through before the advice, or do you want to us to do all the research and we have a conversation with you in that week and a half booking there as well and give you the information on how you'd like to proceed and whether or not you wanna do the quote straight away or wait for the advice on what the recommendation was? Because I can do I can do the quote for the the the reduction now, and I can get the team to get that off to you, and then we can get that one sorted and then just go from there. Yep.\n\nYep. Yeah. With that dude, just to let you know as well that they do, like, rebate amounts as well. Like, even if you are charged it and you're overcharged and you change it from that, whatever the difference is, it is, like, aggregate across the days that you hold the policy, but just so you are aware. Yep.\n\nNot a problem at all. Yeah. No. That's not a problem at all, Kage. Yes.\n\nSo we're doing updating your advice anyway. So I'll get that by our booking on the second there and give you some sort of options in regards to the insurances as well and what sort of the competitive pricing are and if they're willing to remove any of that that exclusion. As far as the quote goes, I'll try and get that sent off to you, like, this afternoon. I just have to do forewarn you that when it comes to even though you're looking at potentially rewriting anyway, when it comes to increasing cover, unless it's under, like, certain life events, you do have to go through underwriting again. And then it's just to be wary of, like I know you've got a bit of debt, but a lot of that is into regards to, like, having an investment property, things like that as well.\n\nAnd you do have quite a bit of savings. So in saying that you're quite well protected in the sense that even with the 1.5, it would cover your primary residence debt and some income replacement for, you know, probably that two to three year mark given that your income's quite high. And then you'd still have, like, your other assets and things like that that you'd have to work with in regards to that and your also your superannuation balance. As long as you're aware and comfortable with that, I'm comfortable just to send you out that quote and look at that reduction. Yeah.\n\nYep. Yep. Not a problem at all. As I said, the the cost savings will be around that $400 mark in terms of that for that next rollover amount, if that makes sense. Not a problem at all, Kitch.\n\nWas there anything else that you wanted to have a chat about while you've got me there? Perfect. Well, I'll Yep. Yep. As I said, it'll just be some tabled up figures there for you to give you sort of a rough idea of the different options.\n\nIt won't be just like the full reporting and things like that as well. As I said, it's there. I've just gotta collate it. Yeah. Yep.\n\nExactly. So yeah. That's yeah. That's why I wouldn't send you, like, all the reports that I've got because for you, it's probably more confusing than if I simplify it down to the figures that actually matter because the things that spits out, there's a million different things. There's only a few that probably actually you're concerned about or wanna actually hear about if that makes sense as well.\n\nYep. Yep. Yep. Completely understand, kids. I I know exactly where you're coming from.\n\nAs I said, it has taken a bit longer, but there there has been a lot of things going on the background. Yeah. Sorry that the business hasn't communicated that properly really in the the newsletters and things like that, but a lot of it, yeah, is sort of stuff that not to concern really the the clients with. Obviously, it does affect you in the background because you're going through the process at the moment. For the large majority, though, it is a little bit out of sight out of mind and normally wants to know when we're switching CRMs and softwares and things like that as well.\n\nSo, again yep. A little bit of a lack of communication, but, yeah, we're we got it booked in there. We'll get it sorted moving forward. Well, yeah, that would play a difference as well. Yeah.\n\nYeah. Okay. Yeah. No. That makes a lot more sense there as well, kids.\n\nSo yep. Completely understand. Yeah. No. No.\n\nThat makes a lot more sense there as well. So okay. Not a not a problem. Well, we got it booked in there in a a week and a half there, and we'll have a bit more of a conversation, or you can have a look at a few things. No worries.\n\nCould you enjoy the rest of your afternoon? Thanks for your time. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kij.","start":3.52,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.2908953130245209},{"text":"It's Carl calling from Oakview Financial.","start":4.3199997,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.2125100021560987},{"text":"How are you today?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.2499161921441555},{"text":"Yeah.","start":8.88,"end":9.2,"sentiment":"neutral","sentiment_score":0.20379909873008728},{"text":"Not too bad at all.","start":9.2,"end":9.92,"sentiment":"neutral","sentiment_score":0.299405512213707}],"sentiment":"neutral","sentiment_score":0.25517038844133677,"num_words":19,"start":3.52,"end":9.92},{"sentences":[{"text":"Thanks for asking, Kij.","start":9.92,"end":11.12,"sentiment":"positive","sentiment_score":0.6069940328598022},{"text":"I've got you scheduled in to to go over a general discussion on your your insurances, plus I got a little bit of an update there just on some of those comparisons.","start":11.12,"end":18.335,"sentiment":"neutral","sentiment_score":0.1300169877940789},{"text":"I haven't got them into a a document yet just because it's not really a templated document I can throw it into.","start":18.335,"end":23.215,"sentiment":"neutral","sentiment_score":-0.22472768005999652},{"text":"So haven't had a chance to put it together, but I can go over to on the phone with you this afternoon if you got a bit of time there as well.","start":23.215,"end":33.57,"sentiment":"neutral","sentiment_score":-0.05457311664940789},{"text":"Yeah.","start":33.57,"end":33.81,"sentiment":"neutral","sentiment_score":-0.14597256481647491}],"sentiment":"neutral","sentiment_score":-0.002723093605139753,"num_words":91,"start":9.92,"end":33.81},{"sentences":[{"text":"I'll still put it into a a document.","start":33.81,"end":35.92,"sentiment":"neutral","sentiment_score":-0.25573480129241943},{"text":"Yep.","start":46.065,"end":46.545,"sentiment":"neutral","sentiment_score":-0.0418236181139946},{"text":"Yeah.","start":46.545,"end":46.785,"sentiment":"neutral","sentiment_score":-0.025466620922088623},{"text":"I'll have a general conversation with you, and then that might narrow it down so I don't have to put all the options in there for you to have a look at.","start":46.785,"end":52.305,"sentiment":"neutral","sentiment_score":-0.007539044803706929},{"text":"As I said, it's not a a standard document yet.","start":52.305,"end":56.6,"sentiment":"neutral","sentiment_score":-0.1856404185295105}],"sentiment":"neutral","sentiment_score":-0.08097735131517626,"num_words":52,"start":33.81,"end":56.6},{"sentences":[{"text":"Yep.","start":86.619995,"end":87.119995,"sentiment":"neutral","sentiment_score":-0.11458902060985564},{"text":"With in regards to that there, Kitch, we don't send out, like, the entire files, which is why we have to put it into a separate document, which is why I haven't had a chance to do that.","start":87.259995,"end":95.585,"sentiment":"neutral","sentiment_score":-0.26650782841208737},{"text":"Yeah.","start":95.585,"end":95.66499,"sentiment":"neutral","sentiment_score":-0.0936671942472458},{"text":"If you don't wanna talk on those and I'll get around to putting it into a document there, then I can have a chat around the insurances tonight.","start":95.66499,"end":101.585,"sentiment":"neutral","sentiment_score":-0.11887181337390627},{"text":"And if you wanna talk about the other stuff at a later date, once I've put that into later date.","start":101.585,"end":115.479996,"sentiment":"neutral","sentiment_score":-0.0035577860195189714}],"sentiment":"neutral","sentiment_score":-0.1560809112429111,"num_words":88,"start":86.619995,"end":115.479996},{"sentences":[{"text":"Yep.","start":115.479996,"end":115.799995,"sentiment":"neutral","sentiment_score":0.027634426951408383},{"text":"Let me just bring that up here.","start":115.799995,"end":116.92,"sentiment":"neutral","sentiment_score":0.015024642593094282},{"text":"Joseph said we're transferring systems there.","start":116.92,"end":120.895,"sentiment":"neutral","sentiment_score":-0.0067125655089815455},{"text":"So I believe it was at the the January then.","start":120.895,"end":125.774994,"sentiment":"neutral","sentiment_score":-0.0033372877165675162},{"text":"Let me just get an exact date there, kid.","start":125.774994,"end":127.875,"sentiment":"neutral","sentiment_score":0.006540774367749691}],"sentiment":"neutral","sentiment_score":0.0035765340664621554,"num_words":33,"start":115.479996,"end":127.875},{"sentences":[{"text":"Bear with me.","start":128.095,"end":129.075,"sentiment":"neutral","sentiment_score":-0.017001112302144367},{"text":"Apologies for the delay.","start":131.935,"end":133.055,"sentiment":"neutral","sentiment_score":-0.3057572543621063},{"text":"We've literally switched systems there as well in the meantime since we last spoke, so everything's a little bit all over the shop.","start":133.055,"end":140.1,"sentiment":"neutral","sentiment_score":-0.2459692948538324},{"text":"I'm just trying to find the call log that list.","start":146.16,"end":148.86499,"sentiment":"neutral","sentiment_score":-0.029916546866297723},{"text":"Yep.","start":158.045,"end":158.205,"sentiment":"neutral","sentiment_score":0.012458041310310364}],"sentiment":"neutral","sentiment_score":-0.17604959910599197,"num_words":41,"start":128.095,"end":158.205},{"sentences":[{"text":"I believe it was around the January 14 there, the last conversation we had there, kids.","start":158.205,"end":163.37999,"sentiment":"neutral","sentiment_score":-0.023057761252857745},{"text":"The scheduled conversation today, their kids, wasn't in regards to that.","start":182.415,"end":186.79,"sentiment":"neutral","sentiment_score":-0.08742130344564264},{"text":"As I said, we've had a system change since we had that last spoke.","start":186.79,"end":190.25,"sentiment":"neutral","sentiment_score":-0.16154816161308969},{"text":"The documents have been created, but as a separate document to put in for you to have as a client has not been created just due to that change.","start":190.47,"end":197.91,"sentiment":"neutral","sentiment_score":-0.21388749418587522},{"text":"So I do apologize.","start":197.91,"end":198.81,"sentiment":"neutral","sentiment_score":-0.22450123354792595}],"sentiment":"neutral","sentiment_score":-0.14449966278531262,"num_words":74,"start":158.205,"end":198.81},{"sentences":[{"text":"No.","start":228.0,"end":228.24,"sentiment":"negative","sentiment_score":-0.36448585987091064},{"text":"I completely understand kids what your expectations are there and Yep.","start":228.24,"end":278.685,"sentiment":"negative","sentiment_score":-0.3450671188871969},{"text":"Yep.","start":282.125,"end":282.605,"sentiment":"neutral","sentiment_score":-0.03854444622993469},{"text":"So could you discuss here more personal details there?","start":282.605,"end":285.405,"sentiment":"neutral","sentiment_score":-0.0057661014919479685},{"text":"I'd have to pass you through security just for that name, date of birth, and current address, and then we can go over that.","start":285.405,"end":290.305,"sentiment":"neutral","sentiment_score":0.0013874133583158255}],"sentiment":"neutral","sentiment_score":-0.09168186101495572,"num_words":46,"start":228.0,"end":290.305},{"sentences":[{"text":"Perfect.","start":299.02002,"end":299.26,"sentiment":"positive","sentiment_score":0.5752582550048828},{"text":"Thanks.","start":299.26,"end":299.58002,"sentiment":"positive","sentiment_score":0.5648065209388733},{"text":"So I could just let you know if these calls still are recorded there for quality and training.","start":299.58002,"end":302.805,"sentiment":"neutral","sentiment_score":0.147135265585449},{"text":"Now I understand completely what you're saying with that.","start":303.04498,"end":306.405,"sentiment":"neutral","sentiment_score":-0.12911937882502875},{"text":"In regards to what your expectations are, you do have to sort of understand a little bit there that your expectations of what you're receiving as a client are slightly outside of what we normally provide, which does in turn change those time frames as well.","start":306.405,"end":322.19,"sentiment":"neutral","sentiment_score":-0.27675477966018347}],"sentiment":"neutral","sentiment_score":-0.13472392956415813,"num_words":75,"start":299.02002,"end":322.19},{"sentences":[{"text":"If we had that general discussion and I made a recommendation from the general discussion from what you're comfortable with as a client and what the recommendation sort of flows towards, then you would just get the document with the one recommendation and the the appendix with a couple of the alternatives.","start":322.33002,"end":337.815,"sentiment":"neutral","sentiment_score":-0.07402897296616665},{"text":"Now to get the comparison between your current versus, like, the SMA we discussed versus, like, an index option versus, like, an active managed option, We can't just send you all those reports because, obviously, it just looks like gibberish.","start":338.195,"end":350.88998,"sentiment":"neutral","sentiment_score":-0.17708028089255096},{"text":"It looks messy, and then it's also just stuff you don't need there as well.","start":350.88998,"end":354.97,"sentiment":"negative","sentiment_score":-0.5274963895479838},{"text":"So as a business, they have an expectation that we put that into a document.","start":354.97,"end":358.43,"sentiment":"neutral","sentiment_score":-0.1534043605128924},{"text":"Now you're turning what it's But that this wasn't the call that I scheduled in there, kids, so I have to do stop you there.","start":358.65,"end":421.735,"sentiment":"neutral","sentiment_score":-0.25528045773506164}],"sentiment":"neutral","sentiment_score":-0.18726694234171692,"num_words":147,"start":322.33002,"end":421.735},{"sentences":[{"text":"You wanted to talk about the insurance, and I yep.","start":421.735,"end":433.11002,"sentiment":"neutral","sentiment_score":-0.20740797817707063},{"text":"And I've explained previously that kids just with the business with the changes that have occurred, there is a backlog.","start":433.11002,"end":438.81,"sentiment":"neutral","sentiment_score":-0.1702473411336541},{"text":"And you are, like, at the top of the list in terms of things that are getting done, but you have to understand that with those system changes too that did occur and then the the expectation of those five separate options.","start":439.23502,"end":463.32,"sentiment":"neutral","sentiment_score":-0.21650080666655586},{"text":"Yep.","start":472.91498,"end":473.41498,"sentiment":"neutral","sentiment_score":-0.19349414110183716},{"text":"Yep.","start":481.97,"end":482.45,"sentiment":"neutral","sentiment_score":-0.04313574358820915}],"sentiment":"neutral","sentiment_score":-0.2001174374206646,"num_words":74,"start":421.735,"end":482.45},{"sentences":[{"text":"And with that, yeah, again, that's not as me as an individual to send out those company wide emails.","start":482.45,"end":488.85,"sentiment":"neutral","sentiment_score":-0.17470124481539978},{"text":"So that is part of their monthly newsletters that they do sort of give updates, and they haven't obviously been as forthcoming as what's happening in the background there as well.","start":488.85,"end":497.64502,"sentiment":"neutral","sentiment_score":-0.1221288338664078},{"text":"So I do understand what you're coming from there, Kitch, and then I can only try and move forward from what we're doing.","start":498.42502,"end":503.945,"sentiment":"neutral","sentiment_score":-0.050571003078442554},{"text":"As I said, the research there is done.","start":503.945,"end":505.86502,"sentiment":"neutral","sentiment_score":-0.10344638489186764},{"text":"I've just gotta find a spare moment to put it into that nonstandard document, which takes a little bit of extra time.","start":505.86502,"end":511.4,"sentiment":"neutral","sentiment_score":-0.23306454514915292}],"sentiment":"neutral","sentiment_score":-0.13809166645215262,"num_words":103,"start":482.45,"end":511.4},{"sentences":[{"text":"So if you give me a couple of extra weeks there, I'll try and put it into a document that makes clear sense to you.","start":511.4,"end":517.72,"sentiment":"neutral","sentiment_score":0.0444690153002739},{"text":"And then if you need some more information based on the figures that I provide in that document, because it won't have all the justifications.","start":517.72,"end":523.755,"sentiment":"neutral","sentiment_score":0.028835731092840433},{"text":"It would just have the figures and then the breakdowns of everything, and I'll just table it up for you.","start":524.055,"end":529.435,"sentiment":"neutral","sentiment_score":0.11283263377845287},{"text":"And then we can have a conversation to go over those.","start":529.495,"end":531.815,"sentiment":"neutral","sentiment_score":0.24609669501131232},{"text":"But we'll put that on the back burner for now.","start":531.815,"end":533.82,"sentiment":"neutral","sentiment_score":0.11672214567661285}],"sentiment":"neutral","sentiment_score":0.08751160920096132,"num_words":91,"start":511.4,"end":533.82},{"sentences":[{"text":"I can even put you in a book you in for a couple weeks from now just to have that scheduled in to go over that.","start":533.9,"end":539.66003,"sentiment":"neutral","sentiment_score":0.3032941428514627},{"text":"But in terms of the insurance portion, kids, so as you said, that's something that you can look at, and we can have a discussion sort out today.","start":539.66003,"end":545.34,"sentiment":"neutral","sentiment_score":0.04407163104042411},{"text":"We can just jump on to Yep.","start":545.34,"end":550.72504,"sentiment":"neutral","sentiment_score":0.11607331463268825},{"text":"I was gonna do it at the end of the phone call, but if you wanna do it now, that's not a problem.","start":556.145,"end":560.085,"sentiment":"neutral","sentiment_score":0.08458729671395343},{"text":"Yep.","start":560.35,"end":560.85,"sentiment":"neutral","sentiment_score":0.13979890942573547}],"sentiment":"neutral","sentiment_score":0.14138203905347516,"num_words":85,"start":533.9,"end":560.85},{"sentences":[{"text":"Yep.","start":575.31,"end":575.63,"sentiment":"neutral","sentiment_score":0.12152405083179474},{"text":"I'll book you in for if I'll have a look here what works.","start":575.63,"end":579.91504,"sentiment":"neutral","sentiment_score":0.12013781013397071},{"text":"Would 6PM, Friday, Monday the second, work for you in March then?","start":579.91504,"end":585.275,"sentiment":"neutral","sentiment_score":0.10538775908450286},{"text":"The start of thing.","start":585.275,"end":585.91504,"sentiment":"neutral","sentiment_score":0.1022834051400423},{"text":"Gives me time to put in a document.","start":585.91504,"end":587.275,"sentiment":"neutral","sentiment_score":0.19079417921602726}],"sentiment":"neutral","sentiment_score":0.12851199331252197,"num_words":38,"start":575.31,"end":587.275},{"sentences":[{"text":"You'll have a document.","start":587.275,"end":588.255,"sentiment":"neutral","sentiment_score":0.1892658770084381},{"text":"You can look at the document while I have a conversation with you.","start":588.35004,"end":591.01,"sentiment":"neutral","sentiment_score":0.11352150715314425},{"text":"Yep.","start":600.99,"end":601.335,"sentiment":"neutral","sentiment_score":0.18124058842658997},{"text":"With that, it's about a a week and a yeah.","start":613.015,"end":617.14996,"sentiment":"neutral","sentiment_score":0.08935186006128788},{"text":"Week and a half there for that.","start":617.14996,"end":618.35,"sentiment":"neutral","sentiment_score":0.07524625957012177}],"sentiment":"neutral","sentiment_score":0.10955217448728426,"num_words":35,"start":587.275,"end":618.35},{"sentences":[{"text":"But, yeah, that's enough yeah.","start":618.35,"end":619.70996,"sentiment":"neutral","sentiment_score":-0.012779934331774712},{"text":"That's, yeah, that's that's enough time for me to put as I said, the the research is there, Kij.","start":619.70996,"end":624.43,"sentiment":"neutral","sentiment_score":0.15792177715583852},{"text":"Obviously, like, we get booked out a little bit in advance.","start":624.43,"end":626.51,"sentiment":"neutral","sentiment_score":0.1409356566992673},{"text":"I'm just trying to find a spare moment to have booked aside a time tomorrow, actually.","start":626.51,"end":631.08496,"sentiment":"neutral","sentiment_score":0.20535661187022924},{"text":"It was in my calendar to go through some research decisions and things like that as well.","start":631.08496,"end":635.665,"sentiment":"neutral","sentiment_score":0.13718433853457956}],"sentiment":"neutral","sentiment_score":0.1485992038677282,"num_words":68,"start":618.35,"end":635.665},{"sentences":[{"text":"So that's at the top of the list there.","start":635.885,"end":637.725,"sentiment":"positive","sentiment_score":0.3524182339509328},{"text":"So I'll get that sorted, try and make it pretty up, and I've got you in there now for six PM your time, the March 2, and we can I'll email that to you.","start":637.725,"end":647.04,"sentiment":"neutral","sentiment_score":0.31750232068931356},{"text":"We can go over that and have a discussion around that there, Kij.","start":647.04,"end":650.01996,"sentiment":"neutral","sentiment_score":0.29025739202132594},{"text":"Got it.","start":661.375,"end":662.03503,"sentiment":"neutral","sentiment_score":0.14112471789121628},{"text":"Yep.","start":662.41504,"end":662.91504,"sentiment":"neutral","sentiment_score":0.05389443784952164}],"sentiment":"neutral","sentiment_score":0.3063785250661737,"num_words":59,"start":635.885,"end":662.91504},{"sentences":[{"text":"Yep.","start":668.815,"end":669.09,"sentiment":"neutral","sentiment_score":0.15794864296913147},{"text":"Yep.","start":672.29004,"end":672.79004,"sentiment":"neutral","sentiment_score":0.19544950127601624},{"text":"I've got your certificate of currency for that policy, and that one's dated yeah.","start":672.85004,"end":678.05005,"sentiment":"neutral","sentiment_score":0.2797193931681769},{"text":"The commencement date's the 2026, and premium date is the nineteenth to the third.","start":678.05005,"end":684.10504,"sentiment":"neutral","sentiment_score":0.22677829542330333},{"text":"So that should be the, yeah, the most up to date one.","start":684.10504,"end":687.965,"sentiment":"positive","sentiment_score":0.3667958850661914}],"sentiment":"neutral","sentiment_score":0.28204562869809924,"num_words":42,"start":668.815,"end":687.965},{"sentences":[{"text":"Yep.","start":695.145,"end":695.52,"sentiment":"neutral","sentiment_score":0.10362552106380464},{"text":"Yep.","start":700.96,"end":701.46,"sentiment":"neutral","sentiment_score":0.07495828717947006},{"text":"So because you hold the policy within superannuation instead of, like, paying personally out of pocket, you get a 15%, like, tax rebate for holding the policy within superannuation.","start":712.175,"end":721.315,"sentiment":"neutral","sentiment_score":0.12349303452105358},{"text":"So that 15% discount is actually, like, the savings.","start":722.13,"end":725.17004,"sentiment":"neutral","sentiment_score":0.1548667343126403},{"text":"So, technically, the policy cost the policy amount, but you get that rebate by having it in superannuation, which is the rollover that's requested from your superannuation to pay for it.","start":725.17004,"end":734.71,"sentiment":"neutral","sentiment_score":0.08440933304448281}],"sentiment":"neutral","sentiment_score":0.10944185552882477,"num_words":71,"start":695.145,"end":734.71},{"sentences":[{"text":"Correct.","start":739.645,"end":740.04504,"sentiment":"neutral","sentiment_score":0.11344461143016817},{"text":"Yep.","start":740.04504,"end":740.54504,"sentiment":"neutral","sentiment_score":0.11335627734661102},{"text":"Yep.","start":749.005,"end":749.325,"sentiment":"neutral","sentiment_score":0.0365825816988945},{"text":"Live TBD and IP, and they all have their separate sort of breakdowns on what they cost in the premium.","start":749.325,"end":755.05,"sentiment":"neutral","sentiment_score":-0.0031436854042112827},{"text":"Yep.","start":755.05,"end":755.55,"sentiment":"neutral","sentiment_score":0.06764975935220718}],"sentiment":"neutral","sentiment_score":0.011173313405985633,"num_words":24,"start":739.645,"end":755.55},{"sentences":[{"text":"Yep.","start":764.57,"end":765.045,"sentiment":"neutral","sentiment_score":0.0760786384344101},{"text":"Yep.","start":772.725,"end":773.20496,"sentiment":"neutral","sentiment_score":0.10108320415019988},{"text":"So with that benefit period to age 65, that would mean that if you were to ever end up on a claim, it would pay all the way up until the age of 65.","start":773.20496,"end":782.4,"sentiment":"neutral","sentiment_score":0.0687534404808984},{"text":"Or if you had a conversation with your insurer that worked out some sort of payment, if they just, like, discovered that you would not ever return to work, if that makes sense.","start":782.4,"end":791.04004,"sentiment":"neutral","sentiment_score":-0.3145528936927969},{"text":"So it's the most comprehensive benefit period you can hold on a policy for, like, more recent policies that is.","start":791.04004,"end":796.835,"sentiment":"neutral","sentiment_score":0.2975344406440854}],"sentiment":"neutral","sentiment_score":-0.021514357978038575,"num_words":89,"start":764.57,"end":796.835},{"sentences":[{"text":"That income support code, let me just touch on that first.","start":827.405,"end":830.37,"sentiment":"neutral","sentiment_score":-0.06871513260359113},{"text":"It's not for redundancy and not finding a job.","start":830.45,"end":832.85,"sentiment":"negative","sentiment_score":-0.3369692928261227},{"text":"It's if you're sick or injured to where you can't perform a job.","start":832.85,"end":835.89,"sentiment":"negative","sentiment_score":-0.33624044289955723},{"text":"So it doesn't count for, like, redundancy.","start":835.89,"end":837.67,"sentiment":"neutral","sentiment_score":-0.2237927849803652},{"text":"There are certain, like, redundancy covers to where if you aren't within a job at the time, you can still pay a premium.","start":838.21,"end":844.79,"sentiment":"neutral","sentiment_score":-0.12182530501614446}],"sentiment":"neutral","sentiment_score":-0.19886106923813857,"num_words":63,"start":827.405,"end":844.79},{"sentences":[{"text":"Back.","start":845.54504,"end":845.945,"sentiment":"neutral","sentiment_score":-0.061868950724601746},{"text":"But in saying that, the income support covers for if you're sick or injured.","start":845.945,"end":849.48505,"sentiment":"neutral","sentiment_score":-0.14177800848015717},{"text":"So if you're out of work for a period of time, you can't claim on your income protection cover for that.","start":849.625,"end":854.28503,"sentiment":"neutral","sentiment_score":-0.25162075495436076},{"text":"But the second part there in regards to benefit period, you're right.","start":854.585,"end":858.905,"sentiment":"neutral","sentiment_score":0.013866137092312178},{"text":"Sort of some people do decide to go for the more five year because if you hurt yourself, kids, and you're unable to work, there's a high likelihood that no matter what the injury, you're either back at work in that five year period or you might be looking down the route to total permanent disablement and making a claim that way.","start":858.905,"end":876.545,"sentiment":"negative","sentiment_score":-0.3937122713654272}],"sentiment":"neutral","sentiment_score":-0.287041491845792,"num_words":110,"start":845.54504,"end":876.545},{"sentences":[{"text":"If you're on claim for more than five years for income protection cover, there's a likelihood that you might never go back to work, and you might never go back to work, like, in a role or a similar role to you're currently working, if that makes sense.","start":876.545,"end":893.7,"sentiment":"negative","sentiment_score":-0.41038995468989015},{"text":"Mhmm.","start":895.76,"end":896.26,"sentiment":"neutral","sentiment_score":-0.12747912108898163},{"text":"So that specific exclusion is related to that lumbar spine exclusion that you got when you originally took out the policy just due to previous health.","start":933.00494,"end":941.5,"sentiment":"neutral","sentiment_score":-0.31918625361644304},{"text":"So with that too, Kij, if you got into a car accident and broke your back and it's related specifically to the car accident, not your preexisting injury that did occur to your your spinal region, you'd still be covered under your income protection policy.","start":941.80005,"end":954.975,"sentiment":"neutral","sentiment_score":-0.2376881026559406},{"text":"It's just anything and any condition that is related specifically to what was preexisting in those numbers.","start":954.975,"end":961.475,"sentiment":"neutral","sentiment_score":-0.2364085746162078}],"sentiment":"neutral","sentiment_score":-0.31270036443959187,"num_words":137,"start":876.545,"end":961.475},{"sentences":[{"text":"To the chiropractor.","start":969.47,"end":970.37,"sentiment":"neutral","sentiment_score":-0.07579497247934341},{"text":"Yep.","start":970.99,"end":971.49,"sentiment":"neutral","sentiment_score":-0.016454072669148445},{"text":"So exclusion stay on the policy until such time you review them.","start":998.01,"end":1003.37,"sentiment":"neutral","sentiment_score":-0.2180661509434382},{"text":"Now normally for things related to chiropractic, seeing a chiropractor, and those sort of things, they they wanna see, like, three to five years of you not receiving any treatment or a sort of, you know, just that it's for general maintenance and care.","start":1003.37,"end":1018.33997,"sentiment":"neutral","sentiment_score":-0.2511249511418017},{"text":"Now insurers always look to the worst.","start":1018.33997,"end":1020.51996,"sentiment":"negative","sentiment_score":-0.43523095335279194}],"sentiment":"neutral","sentiment_score":-0.25308578097219786,"num_words":67,"start":969.47,"end":1020.51996},{"sentences":[{"text":"Now I wasn't around when that policy was written, so we can, like Priya's says, based on, like, what you've gone through.","start":1020.81995,"end":1028.76,"sentiment":"neutral","sentiment_score":-0.07937448319386352},{"text":"Yep.","start":1032.935,"end":1033.435,"sentiment":"neutral","sentiment_score":-0.09340717643499374},{"text":"Yes.","start":1046.7101,"end":1047.2101,"sentiment":"neutral","sentiment_score":-0.1089828759431839},{"text":"Yes.","start":1048.7101,"end":1049.2101,"sentiment":"neutral","sentiment_score":-0.08095292001962662},{"text":"So like I said, you did know that it Yeah.","start":1049.75,"end":1052.89,"sentiment":"neutral","sentiment_score":-0.24502898007631302}],"sentiment":"neutral","sentiment_score":-0.1279963258121695,"num_words":35,"start":1020.81995,"end":1052.89},{"sentences":[{"text":"We can just even look to do the process of the musculoskeletal questionnaire with Neos first to see if we can get it removed based on your answers from that.","start":1054.7101,"end":1063.365,"sentiment":"neutral","sentiment_score":-0.09245960470288991},{"text":"As I said, I don't know the exactly what you've stated during that process when you went through it.","start":1063.365,"end":1068.405,"sentiment":"neutral","sentiment_score":-0.12088187980024438},{"text":"But, generally, if you do ask any chiropractor for any sort of injury, if it was just maintenance, like I said, like you said, you can look at getting it removed.","start":1068.405,"end":1076.38,"sentiment":"neutral","sentiment_score":-0.09276928031636823},{"text":"So we can go down that route as well and look at getting that reviewed.","start":1076.38,"end":1080.64,"sentiment":"neutral","sentiment_score":0.014249188949664433},{"text":"Yeah.","start":1080.78,"end":1081.02,"sentiment":"neutral","sentiment_score":-0.014577715657651424}],"sentiment":"neutral","sentiment_score":-0.08070032738032751,"num_words":96,"start":1054.7101,"end":1081.02},{"sentences":[{"text":"That's not a problem at all.","start":1081.02,"end":1082.56,"sentiment":"neutral","sentiment_score":-0.17504697665572166},{"text":"Yep.","start":1091.8351,"end":1092.3351,"sentiment":"neutral","sentiment_score":-0.07937673479318619},{"text":"Yeah.","start":1096.9551,"end":1097.1951,"sentiment":"neutral","sentiment_score":-0.13059917092323303},{"text":"Well, next next next next is considered is fine.","start":1097.1951,"end":1100.23,"sentiment":"neutral","sentiment_score":-0.050769455523954496},{"text":"So so, like, that's just oh, yeah.","start":1100.23,"end":1103.29,"sentiment":"neutral","sentiment_score":-0.04150951254580702}],"sentiment":"neutral","sentiment_score":-0.08365622721612453,"num_words":24,"start":1081.02,"end":1103.29},{"sentences":[{"text":"Yep.","start":1105.91,"end":1106.39,"sentiment":"neutral","sentiment_score":0.0008104679873213172},{"text":"So, like, as I say, kids, like, I wasn't around for that, so no need to get worked up.","start":1106.39,"end":1111.2051,"sentiment":"neutral","sentiment_score":-0.08377185248230633},{"text":"We can review that.","start":1111.2051,"end":1112.165,"sentiment":"neutral","sentiment_score":0.055087282322347164},{"text":"We can go through the process with Neos first.","start":1112.165,"end":1114.485,"sentiment":"neutral","sentiment_score":0.08385938183507985},{"text":"If they're not willing to review it, then we can just, as you said, go to market again.","start":1114.485,"end":1118.7251,"sentiment":"neutral","sentiment_score":-0.23233679847584832}],"sentiment":"neutral","sentiment_score":-0.09407516737130708,"num_words":51,"start":1105.91,"end":1118.7251},{"sentences":[{"text":"We can do that pre assessment process.","start":1118.7251,"end":1120.5851,"sentiment":"neutral","sentiment_score":0.06050090438553265},{"text":"Again, I know previously, other than, like, obviously, seeing a chiropractor, you didn't disclose any health issues and things like that, so it shouldn't be an issue to go to market again.","start":1121.125,"end":1130.4,"sentiment":"neutral","sentiment_score":-0.07323470583651215},{"text":"We can obviously review this policy first and see if we can look at getting it removed.","start":1130.78,"end":1135.28,"sentiment":"neutral","sentiment_score":-0.0066294770906953245},{"text":"Now I will ask you a few questions there in regards to that there, kids, so bear with me.","start":1135.66,"end":1142.0449,"sentiment":"neutral","sentiment_score":0.07584321106735029},{"text":"I'll just get a pre assessment questionnaire so we can no.","start":1142.745,"end":1151.865,"sentiment":"neutral","sentiment_score":0.0636014271188866}],"sentiment":"neutral","sentiment_score":0.0012550156043712483,"num_words":86,"start":1118.7251,"end":1151.865},{"sentences":[{"text":"Exclusions are just excluded.","start":1151.865,"end":1153.35,"sentiment":"neutral","sentiment_score":-0.09427469223737717},{"text":"If you get a loading, it increases the premium, but the exclusion just excludes the the the area that it yeah.","start":1153.59,"end":1160.09,"sentiment":"neutral","sentiment_score":-0.017177422309205645},{"text":"So bear with me there, kid.","start":1160.5499,"end":1161.75,"sentiment":"neutral","sentiment_score":0.06644483469426632},{"text":"Georges.","start":1161.75,"end":1162.25,"sentiment":"neutral","sentiment_score":0.07860784232616425},{"text":"Yep.","start":1166.63,"end":1166.95,"sentiment":"neutral","sentiment_score":0.12443384528160097}],"sentiment":"neutral","sentiment_score":-0.00412466489907467,"num_words":33,"start":1151.865,"end":1166.95},{"sentences":[{"text":"Yeah.","start":1166.95,"end":1167.27,"sentiment":"neutral","sentiment_score":0.08426855504512787},{"text":"And look, I I will be honest.","start":1167.27,"end":1169.735,"sentiment":"neutral","sentiment_score":0.010974082297512464},{"text":"Like, insurers are quite strict and stringent, and they do exclude anything they can for whatever reason they generally can.","start":1169.735,"end":1176.075,"sentiment":"neutral","sentiment_score":-0.06395000154152512},{"text":"But as I said, we can review it.","start":1177.095,"end":1178.9349,"sentiment":"neutral","sentiment_score":0.08564518252387643},{"text":"We can have a look at it and see in regards to your case of, obviously, just doing it for general maintenance for the next region, how they'll view it moving forward, and then we can confirm with a couple of other insurers how they'd view it.","start":1178.9349,"end":1191.27,"sentiment":"neutral","sentiment_score":0.1736947345606824}],"sentiment":"neutral","sentiment_score":0.09314338656434093,"num_words":83,"start":1166.95,"end":1191.27},{"sentences":[{"text":"And then if it comes back that another insurance would accept your extended rates, we can look at rewriting that as part as your advice as well that gives yeah.","start":1191.27,"end":1203.045,"sentiment":"neutral","sentiment_score":0.043986943239967026},{"text":"Not a problem.","start":1203.045,"end":1203.865,"sentiment":"neutral","sentiment_score":0.06531525403261185},{"text":"Generally, with your, like, occupation as well, it shouldn't be much of an an issue.","start":1204.0851,"end":1208.0851,"sentiment":"neutral","sentiment_score":0.14533048570156099},{"text":"Like you said, you're not downhill mountain biking and things like that.","start":1208.0851,"end":1211.06,"sentiment":"neutral","sentiment_score":0.17431890219449997},{"text":"You just, you know, you're quite quite standard in what you're you're doing, so that's fine.","start":1211.06,"end":1217.56,"sentiment":"neutral","sentiment_score":0.29770942963659763}],"sentiment":"neutral","sentiment_score":0.1388248558597345,"num_words":76,"start":1191.27,"end":1217.56},{"sentences":[{"text":"Bear with me.","start":1219.2201,"end":1219.78,"sentiment":"neutral","sentiment_score":0.09283534064888954},{"text":"I'll just bring up your old pre assessment as well and just confirm a few things.","start":1219.78,"end":1229.725,"sentiment":"neutral","sentiment_score":0.0777442108374089},{"text":"Perfect.","start":1229.725,"end":1230.225,"sentiment":"positive","sentiment_score":0.5146141648292542},{"text":"So still senior business, and then income, yeah, the $1.04 8.","start":1230.5249,"end":1237.005,"sentiment":"neutral","sentiment_score":0.05760399726304141},{"text":"So that's changed a little bit.","start":1237.005,"end":1238.46,"sentiment":"neutral","sentiment_score":-0.0023097653562823926}],"sentiment":"neutral","sentiment_score":0.0718057550791953,"num_words":37,"start":1219.2201,"end":1238.46},{"sentences":[{"text":"And then with your role there, you're not going any on-site visits for anywhere even if it's, like, the other, like, corporate workplaces or remote?","start":1241.34,"end":1251.105,"sentiment":"neutral","sentiment_score":-0.03710584245622158},{"text":"Yep.","start":1251.1849,"end":1251.585,"sentiment":"neutral","sentiment_score":0.05863523110747337},{"text":"Perfect.","start":1251.585,"end":1252.085,"sentiment":"neutral","sentiment_score":0.2785038352012634},{"text":"And now I know you said previously that you were a social smoker, so that can affect premium.","start":1254.705,"end":1259.605,"sentiment":"neutral","sentiment_score":-0.1298947056962384},{"text":"I know you stopped it at some point, but just have the occasional one.","start":1259.665,"end":1263.505,"sentiment":"neutral","sentiment_score":-0.06815030851534434}],"sentiment":"neutral","sentiment_score":-0.06580874604820194,"num_words":59,"start":1241.34,"end":1263.505},{"sentences":[{"text":"Now if you haven't been smoking or touching cigarettes for a twelve month period, you can look at obviously not having smokers rates at all.","start":1263.505,"end":1272.46,"sentiment":"neutral","sentiment_score":-0.13206539660692215},{"text":"If you have touched nicotine products within that time frame, you would be looking at smokers rates, which does affect insurance premiums.","start":1272.46,"end":1278.48,"sentiment":"neutral","sentiment_score":-0.12018651853908192},{"text":"Now have you stopped, like, casually smoking within a twelve month period there, Tukic?","start":1278.94,"end":1283.895,"sentiment":"neutral","sentiment_score":-0.005268929958609598},{"text":"Yep.","start":1289.875,"end":1290.195,"sentiment":"neutral","sentiment_score":-0.028435777872800827},{"text":"So that will still mean that smokers rates do apply at some point if you're not touching tobacco at all.","start":1290.195,"end":1296.5299,"sentiment":"neutral","sentiment_score":-0.018625931860879064}],"sentiment":"neutral","sentiment_score":-0.07829826533589966,"num_words":82,"start":1263.505,"end":1296.5299},{"sentences":[{"text":"So it doesn't matter if it's one a day, if it's 20 a day.","start":1296.9099,"end":1299.23,"sentiment":"neutral","sentiment_score":-0.02035881015139499},{"text":"It just it's smokers' rates.","start":1299.23,"end":1300.59,"sentiment":"neutral","sentiment_score":-0.04695177897810936},{"text":"It's smokers' rates.","start":1300.59,"end":1301.5499,"sentiment":"neutral","sentiment_score":-0.06358032549420993},{"text":"And if you don't smoke within a twelve month period, that also is something that we can look at getting removed, and that does quite heavily affect premiums.","start":1301.5499,"end":1308.2699,"sentiment":"neutral","sentiment_score":-0.14888686340834414},{"text":"So that would be another reason why they're higher.","start":1308.2699,"end":1310.69,"sentiment":"neutral","sentiment_score":-0.13744286447763443}],"sentiment":"neutral","sentiment_score":-0.1036667994783907,"num_words":59,"start":1296.9099,"end":1310.69},{"sentences":[{"text":"Your occupation's quite safe in terms of its nature, so that's not a huge issue.","start":1310.875,"end":1315.195,"sentiment":"neutral","sentiment_score":0.14715980390707653},{"text":"That is another key factor on on price.","start":1315.195,"end":1318.015,"sentiment":"neutral","sentiment_score":0.021823058370500803},{"text":"So with that one there as well bear with me.","start":1319.9149,"end":1322.315,"sentiment":"neutral","sentiment_score":0.03516992293298245},{"text":"I'll just bring up the old one again.","start":1322.315,"end":1326.74,"sentiment":"neutral","sentiment_score":-0.0028488582465797663},{"text":"And then still just a a social drinker not having too many drinks on the average.","start":1329.3201,"end":1334.3,"sentiment":"neutral","sentiment_score":-0.00520438002422452}],"sentiment":"neutral","sentiment_score":0.04609859313227629,"num_words":57,"start":1310.875,"end":1334.3},{"sentences":[{"text":"Right.","start":1338.375,"end":1338.6151,"sentiment":"neutral","sentiment_score":-0.021580904722213745},{"text":"Not planning on doing any travel in the next twelve months or, you know, recent, like, going overseas or anything like that?","start":1338.6151,"end":1344.555,"sentiment":"neutral","sentiment_score":-0.1044845250858502},{"text":"Yeah.","start":1350.2151,"end":1350.535,"sentiment":"neutral","sentiment_score":-0.03391915187239647},{"text":"But do you have, like, any definite plans, like, booked?","start":1350.535,"end":1353.65,"sentiment":"neutral","sentiment_score":-0.011798937153071166},{"text":"Yep.","start":1353.7101,"end":1354.03,"sentiment":"neutral","sentiment_score":0.019776059314608577}],"sentiment":"neutral","sentiment_score":-0.07006779773426908,"num_words":35,"start":1338.375,"end":1354.03},{"sentences":[{"text":"No.","start":1354.03,"end":1354.1901,"sentiment":"neutral","sentiment_score":-0.08714968711137772},{"text":"That's fine.","start":1354.1901,"end":1354.93,"sentiment":"neutral","sentiment_score":-0.014684878289699554},{"text":"It just it does make a difference.","start":1355.0701,"end":1356.8301,"sentiment":"neutral","sentiment_score":0.0007969875420842852},{"text":"Sometimes they exclude certain regions and things like that.","start":1356.8301,"end":1359.7301,"sentiment":"neutral","sentiment_score":-0.18308633897039625},{"text":"You know?","start":1359.87,"end":1360.4501,"sentiment":"neutral","sentiment_score":-0.07466870918869972}],"sentiment":"neutral","sentiment_score":-0.0908597619051025,"num_words":21,"start":1354.03,"end":1360.4501},{"sentences":[{"text":"So that's just why I asked.","start":1360.8301,"end":1362.8501,"sentiment":"neutral","sentiment_score":-0.058846719563007355},{"text":"Now in regards to your your health there, you stated that, obviously, no other changes, no injuries or sicknesses or illnesses or anything.","start":1364.1101,"end":1372.895,"sentiment":"neutral","sentiment_score":-0.05134970468023549},{"text":"You haven't seen a GP and they've stated anything, like, since you've last gone?","start":1372.895,"end":1376.515,"sentiment":"neutral","sentiment_score":-0.12861180465136254},{"text":"I think and then the weight's still sitting around the sort of eighty Your your weight is still sitting around, like, a eighty?","start":1378.495,"end":1385.85,"sentiment":"neutral","sentiment_score":-0.18920009129721185},{"text":"Yep.","start":1387.19,"end":1387.69,"sentiment":"neutral","sentiment_score":0.1926897764205933}],"sentiment":"neutral","sentiment_score":-0.1118447927396689,"num_words":67,"start":1360.8301,"end":1387.69},{"sentences":[{"text":"Perfect.","start":1387.99,"end":1388.49,"sentiment":"positive","sentiment_score":0.36910688877105713},{"text":"Now just in regards to the the neck, was it just tight like, a tight neck, like, that you went to a chiropractor originally?","start":1389.27,"end":1396.845,"sentiment":"neutral","sentiment_score":-0.0994987861874203},{"text":"Yep.","start":1399.225,"end":1399.545,"sentiment":"neutral","sentiment_score":0.013077782467007635},{"text":"And when did you first notice, like, the the tightness in the neck?","start":1399.545,"end":1403.965,"sentiment":"neutral","sentiment_score":-0.10415900498628616},{"text":"Like, what year or, like, my year and month, if you know?","start":1404.025,"end":1406.845,"sentiment":"neutral","sentiment_score":-0.04666467957819501}],"sentiment":"neutral","sentiment_score":-0.07685940033372711,"num_words":51,"start":1387.99,"end":1406.845},{"sentences":[{"text":"Just it generally.","start":1409.625,"end":1415.39,"sentiment":"neutral","sentiment_score":-0.039757041881481804},{"text":"It's not in the the pre it would have been in the application.","start":1415.85,"end":1419.15,"sentiment":"neutral","sentiment_score":-0.09331145510077477},{"text":"I can now try and find the application to see what you disclosed.","start":1419.21,"end":1422.27,"sentiment":"neutral","sentiment_score":-0.02399812237574504},{"text":"It's it's mainly, yeah, for, like, your, like, your first trip there and then, like, your last trip to the chiropractor.","start":1441.71,"end":1449.055,"sentiment":"neutral","sentiment_score":0.01398105560136693},{"text":"Yeah.","start":1451.675,"end":1452.175,"sentiment":"neutral","sentiment_score":0.0022021904587745667}],"sentiment":"neutral","sentiment_score":-0.026441005387288684,"num_words":51,"start":1409.625,"end":1452.175},{"sentences":[{"text":"And it was it just, like, slight stiffness slight stiffness in the neck?","start":1452.795,"end":1457.595,"sentiment":"neutral","sentiment_score":-0.13063774573115203},{"text":"Like, there wasn't any sort of you know, couldn't turn your head.","start":1457.595,"end":1460.155,"sentiment":"neutral","sentiment_score":-0.18372231970230737},{"text":"It was or anything like that?","start":1460.155,"end":1466.98,"sentiment":"neutral","sentiment_score":-0.12730764721830687},{"text":"Yeah.","start":1466.98,"end":1467.2999,"sentiment":"neutral","sentiment_score":-0.12325957417488098},{"text":"Would you say it was, like, mild or slight or just, like, you know, it's quite significant?","start":1467.2999,"end":1471.72,"sentiment":"neutral","sentiment_score":-0.18869217616670272}],"sentiment":"neutral","sentiment_score":-0.163221040474517,"num_words":49,"start":1452.795,"end":1471.72},{"sentences":[{"text":"Or Just, like just a slight stiffness that you just noticed when you were moving around a little bit that it was a bit tight, or was it like you couldn't turn and look one way?","start":1471.7799,"end":1481.535,"sentiment":"neutral","sentiment_score":-0.2688763443794515},{"text":"Yep.","start":1488.7151,"end":1488.72,"sentiment":"neutral","sentiment_score":-0.07422541081905365},{"text":"Yep.","start":1488.72,"end":1489.22,"sentiment":"neutral","sentiment_score":-0.038034506142139435},{"text":"Yep.","start":1497.28,"end":1497.78,"sentiment":"neutral","sentiment_score":-0.0004041393694933504},{"text":"Yep.","start":1498.4,"end":1498.5599,"sentiment":"neutral","sentiment_score":0.0032627671025693417}],"sentiment":"neutral","sentiment_score":-0.24472374217220932,"num_words":40,"start":1471.7799,"end":1498.5599},{"sentences":[{"text":"That's it.","start":1498.5599,"end":1499.12,"sentiment":"neutral","sentiment_score":-0.020984811708331108},{"text":"And would would you say, like, the this frequency of symptoms, it was just like a little niggle that you wanted to address before the maintenance before it became anything else?","start":1499.12,"end":1509.395,"sentiment":"neutral","sentiment_score":-0.16118373313257772},{"text":"Yep.","start":1513.295,"end":1513.53,"sentiment":"neutral","sentiment_score":-0.13400012254714966},{"text":"And then how often did you go, like, in terms of session for those adjustments every month?","start":1537.545,"end":1542.9,"sentiment":"neutral","sentiment_score":0.00032541177728596856},{"text":"Yep.","start":1574.15,"end":1574.65,"sentiment":"neutral","sentiment_score":0.03200376033782959}],"sentiment":"neutral","sentiment_score":-0.0987524944715775,"num_words":52,"start":1498.5599,"end":1574.65},{"sentences":[{"text":"Yep.","start":1597.6649,"end":1598.04,"sentiment":"neutral","sentiment_score":0.05343714356422424},{"text":"So was it, like, two months weekly and then two months?","start":1598.04,"end":1601.42,"sentiment":"neutral","sentiment_score":0.026007188992066818},{"text":"Yeah.","start":1604.4401,"end":1604.9401,"sentiment":"neutral","sentiment_score":0.04077136889100075},{"text":"First three months is weekly.","start":1652.79,"end":1654.17,"sentiment":"neutral","sentiment_score":0.009674720466136932},{"text":"And then two months with the the two adjustments a month, and then six or seven As I said, even if it was general maintenance there, they might still view it as looking closer to that three to five year mark, as I said.","start":1655.03,"end":1672.405,"sentiment":"neutral","sentiment_score":0.05968888535756956}],"sentiment":"neutral","sentiment_score":0.04927374434567267,"num_words":62,"start":1597.6649,"end":1672.405},{"sentences":[{"text":"I'll I'll check with the your Neos, and then I'll check with a few other insurers.","start":1672.405,"end":1676.61,"sentiment":"neutral","sentiment_score":0.11177353654056787},{"text":"But even if it's not an injury, like, an exclusion isn't the end of the world either, kids.","start":1677.63,"end":1682.43,"sentiment":"neutral","sentiment_score":-0.22716799130042395},{"text":"It means that, basically, anything related to the stiffness of the if you were unable to work, it means you wouldn't be able to claim on the policy.","start":1682.43,"end":1689.505,"sentiment":"neutral","sentiment_score":-0.2150196185601609},{"text":"But I'm assuming even with the stiffness in the neck, you could still complete your role and you could still go back to the physio for that.","start":1689.5651,"end":1696.685,"sentiment":"neutral","sentiment_score":0.08880303399982276},{"text":"But the likelihood that you'll be off work for more than a month with a a stiff neck related to that is a little bit slim, but then we'll we'll keep an eye on it.","start":1696.685,"end":1706.5299,"sentiment":"negative","sentiment_score":-0.3823177013014044}],"sentiment":"neutral","sentiment_score":-0.15568253391933057,"num_words":124,"start":1672.405,"end":1706.5299},{"sentences":[{"text":"And then if it falls to that three to five year mark, we can look at getting it removed then as well.","start":1706.5299,"end":1710.7899,"sentiment":"neutral","sentiment_score":-0.17249556021256882},{"text":"Yeah.","start":1718.675,"end":1719.175,"sentiment":"neutral","sentiment_score":-0.06856805831193924},{"text":"It's just the way the, yeah, the retail cover work.","start":1734.3701,"end":1736.77,"sentiment":"neutral","sentiment_score":-0.22535715997219086},{"text":"I've, like, had clients that have mentioned that their hand gets a bit stiff and it's cold, and then they've got an arthritis exclusion even though it wasn't diagnosed and things like that.","start":1736.77,"end":1745.075,"sentiment":"neutral","sentiment_score":-0.25316840545697644},{"text":"Don't worry.","start":1745.135,"end":1745.535,"sentiment":"neutral","sentiment_score":-0.08252071216702461}],"sentiment":"neutral","sentiment_score":-0.2152447174577152,"num_words":68,"start":1706.5299,"end":1745.535},{"sentences":[{"text":"We're constantly fighting with insurers, so don't feel like I'm not on your side.","start":1745.535,"end":1749.375,"sentiment":"neutral","sentiment_score":-0.22306963694947107},{"text":"I'm just trying to set the expectation.","start":1749.375,"end":1750.915,"sentiment":"neutral","sentiment_score":-0.03186246007680893},{"text":"Yeah.","start":1752.095,"end":1752.595,"sentiment":"neutral","sentiment_score":0.01945001259446144},{"text":"And the degree of recovery that you consider at full at the moment there, kids, you're not having any sort of ongoing issues with that?","start":1753.295,"end":1759.1799,"sentiment":"neutral","sentiment_score":-0.038568993136286735},{"text":"For your neck, it's like a full recovery.","start":1761.7999,"end":1763.4,"sentiment":"positive","sentiment_score":0.3981398306787014}],"sentiment":"neutral","sentiment_score":-0.020103060149333694,"num_words":55,"start":1745.535,"end":1763.4},{"sentences":[{"text":"You don't have any ongoing issues at the moment.","start":1763.4,"end":1765.24,"sentiment":"neutral","sentiment_score":0.05954161783059438},{"text":"It's fine now that you're not going to the chiropractor and everything?","start":1765.24,"end":1768.785,"sentiment":"neutral","sentiment_score":0.26518117884794873},{"text":"Perfect.","start":1771.325,"end":1771.725,"sentiment":"positive","sentiment_score":0.6389050483703613},{"text":"And did you undergo any sort of scans or X rays or anything in regards to that?","start":1771.725,"end":1775.745,"sentiment":"neutral","sentiment_score":0.07202605574446566},{"text":"Yep.","start":1782.845,"end":1783.02,"sentiment":"neutral","sentiment_score":0.03699350357055664}],"sentiment":"neutral","sentiment_score":0.1404597551561892,"num_words":40,"start":1763.4,"end":1783.02},{"sentences":[{"text":"And did anything come from the X-ray other than, like, doing the adjustment?","start":1783.5,"end":1786.8,"sentiment":"neutral","sentiment_score":-0.028217562259389803},{"text":"Yep.","start":1789.66,"end":1790.16,"sentiment":"neutral","sentiment_score":-0.08628585189580917},{"text":"Yeah.","start":1792.78,"end":1793.02,"sentiment":"neutral","sentiment_score":-0.01688932627439499},{"text":"Okay.","start":1793.02,"end":1793.52,"sentiment":"neutral","sentiment_score":-0.004082264378666878},{"text":"Well, it just like, if any like, if they gave you any sort of diagnosis from that.","start":1795.1,"end":1798.575,"sentiment":"neutral","sentiment_score":-0.037464568720144385}],"sentiment":"neutral","sentiment_score":-0.03366616424737555,"num_words":33,"start":1783.5,"end":1798.575},{"sentences":[{"text":"And sometimes they do request medicals in regards to that.","start":1798.575,"end":1801.375,"sentiment":"neutral","sentiment_score":-0.030136306956410407},{"text":"So, like, if you sort of disclosed that you got sort of scans and X rays, the insurer might request those from that when doing those application reviews.","start":1801.375,"end":1810.275,"sentiment":"neutral","sentiment_score":-0.015562442330909627},{"text":"And then they'll have a medical expert review those as well, like the independent ones.","start":1811.0549,"end":1815.7401,"sentiment":"neutral","sentiment_score":0.003535648932059606},{"text":"But in regards to injury to their kids, did you take any time off work at all?","start":1816.52,"end":1820.38,"sentiment":"neutral","sentiment_score":-0.11489448258105446},{"text":"Yep.","start":1821.9601,"end":1822.2001,"sentiment":"neutral","sentiment_score":-0.04174209758639336}],"sentiment":"neutral","sentiment_score":-0.03773274679314083,"num_words":71,"start":1798.575,"end":1822.2001},{"sentences":[{"text":"And were you taking any medication, any pain relief, anything like that in that time frame?","start":1822.2001,"end":1826.255,"sentiment":"neutral","sentiment_score":-0.08434002939611673},{"text":"Perfect.","start":1828.555,"end":1829.055,"sentiment":"neutral","sentiment_score":0.24485880136489868},{"text":"And, yeah, if you don't have any other sort of health that has popped up in the meantime either, that should be fine.","start":1829.675,"end":1834.635,"sentiment":"neutral","sentiment_score":0.1094476434847583},{"text":"I'll just use those details to, one, double check with your current policy and then check with a couple others depending on if that's reviewable currently or not.","start":1834.635,"end":1843.5499,"sentiment":"neutral","sentiment_score":0.079688946051257},{"text":"Now in regards to the policy itself, the kids and the cover amounts, were you still happy with the cover amounts that you covered for?","start":1845.85,"end":1854.195,"sentiment":"neutral","sentiment_score":0.021395969688892364}],"sentiment":"neutral","sentiment_score":0.04493445013799975,"num_words":93,"start":1822.2001,"end":1854.195},{"sentences":[{"text":"Was it just sort of looking at potentially the the waiting period for that income protection?","start":1854.2749,"end":1860.855,"sentiment":"neutral","sentiment_score":-0.07577267196029425},{"text":"Or oh.","start":1860.995,"end":1863.495,"sentiment":"neutral","sentiment_score":-0.08243374899029732},{"text":"Yep.","start":1865.875,"end":1866.21,"sentiment":"neutral","sentiment_score":-0.23357932269573212},{"text":"Yep.","start":1881.8099,"end":1882.155,"sentiment":"neutral","sentiment_score":-0.10525297373533248},{"text":"What it actually covers yeah.","start":1889.515,"end":1891.115,"sentiment":"neutral","sentiment_score":-0.029543231427669524}],"sentiment":"neutral","sentiment_score":-0.0745511481165886,"num_words":25,"start":1854.2749,"end":1891.115},{"sentences":[{"text":"And when it's actually applicable.","start":1891.115,"end":1892.495,"sentiment":"neutral","sentiment_score":0.0014586771838366985},{"text":"No.","start":1892.555,"end":1892.7151,"sentiment":"neutral","sentiment_score":-0.08630260825157166},{"text":"I completely understand.","start":1892.7151,"end":1893.855,"sentiment":"neutral","sentiment_score":-0.022640042006969452},{"text":"Do you feel like you have a clear understanding now of what income protection actually covers for and what it doesn't?","start":1894.9701,"end":1899.79,"sentiment":"neutral","sentiment_score":-0.029598288238048553},{"text":"We can change that benefit period too.","start":1908.965,"end":1911.045,"sentiment":"neutral","sentiment_score":0.16997596195765904}],"sentiment":"neutral","sentiment_score":0.011387522495981002,"num_words":37,"start":1891.115,"end":1911.045},{"sentences":[{"text":"So if you knocked it down to that five years, your current policy is sitting around that 4,500 mark, it would drop it down to, like, the $34.50, so $3,450 sort of mark as, like, a rough estimate.","start":1911.045,"end":1923.72,"sentiment":"neutral","sentiment_score":-0.1192546240054071},{"text":"If you were to just put that benefit period down to the five years and be comfortable with that, if you were to end up on a claim, it would only pay for five years maximum.","start":1923.94,"end":1931.88,"sentiment":"neutral","sentiment_score":-0.08634111285209656},{"text":"But, like, explain that again, sir.","start":1943.315,"end":1944.835,"sentiment":"neutral","sentiment_score":-0.15418555463353792},{"text":"Just like, so as in, like, you have a policy, it pays for five years, and then you start again for another five years.","start":1944.835,"end":1950.28,"sentiment":"neutral","sentiment_score":-0.12735140416771173},{"text":"Is that what you're asking?","start":1950.28,"end":1951.34,"sentiment":"neutral","sentiment_score":-0.07338946238160134}],"sentiment":"neutral","sentiment_score":-0.10998578086802992,"num_words":109,"start":1911.045,"end":1951.34},{"sentences":[{"text":"Yep.","start":1956.12,"end":1956.62,"sentiment":"neutral","sentiment_score":-0.02430066838860512},{"text":"Yep.","start":1958.84,"end":1959.34,"sentiment":"neutral","sentiment_score":-0.029900792986154556},{"text":"So that that's it.","start":1969.8351,"end":1972.24,"sentiment":"neutral","sentiment_score":-0.1667855829000473},{"text":"It's not like you've only covered for five years, like, in terms of, like, the policy life.","start":1972.24,"end":1976.48,"sentiment":"neutral","sentiment_score":-0.2581565993673661},{"text":"The policy life still holds up until, I think, it's age 65.","start":1976.48,"end":1980.1799,"sentiment":"neutral","sentiment_score":-0.2663838751614094}],"sentiment":"neutral","sentiment_score":-0.237331785261631,"num_words":35,"start":1956.12,"end":1980.1799},{"sentences":[{"text":"It just means that if you were to hurt yourself and end on an income protection claim, it would only pay for five years in total.","start":1980.32,"end":1987.705,"sentiment":"negative","sentiment_score":-0.43946761465989626},{"text":"And the policy itself, you can hold all the way up to that even if you don't like, all the way up to the age of that 65, I believe it is for Niels.","start":1987.765,"end":1994.665,"sentiment":"neutral","sentiment_score":0.01038499060086906},{"text":"Don't quote me entirely because I'm not looking at the PDFs, but the policy would hold to that age.","start":1994.725,"end":1999.75,"sentiment":"neutral","sentiment_score":-0.07329569521703218},{"text":"But it's just specifically if you're on claim.","start":1999.75,"end":2002.4701,"sentiment":"neutral","sentiment_score":-0.09718694910407066},{"text":"So if you broke a leg or something like that and were unable to work for three months because you couldn't, you know, get into your workplace or get into your car, you could essentially end up on a claim.","start":2002.4701,"end":2012.965,"sentiment":"negative","sentiment_score":-0.3570437267422676}],"sentiment":"neutral","sentiment_score":-0.2167317415147609,"num_words":127,"start":1980.32,"end":2012.965},{"sentences":[{"text":"And then that claim could pay for three months and then say you're off claim, your policy would still be enforced, and you wouldn't lose that policy.","start":2013.1849,"end":2020.405,"sentiment":"neutral","sentiment_score":-0.039699483990531276},{"text":"It would just mean that you've had a claim that paid for three months.","start":2020.705,"end":2025.345,"sentiment":"neutral","sentiment_score":-0.004367154224642685},{"text":"Now if you injure yourself in a car accident when I'm able to work and you end up on a claim, you could be getting paid for your income protection support cover for five years.","start":2025.345,"end":2034.25,"sentiment":"neutral","sentiment_score":0.002749506916318621},{"text":"But then after that, if you haven't returned to work, it doesn't matter.","start":2034.25,"end":2037.5299,"sentiment":"neutral","sentiment_score":0.003039706999865863},{"text":"They're gonna cut that payment off at that five year mark, and then you can't claim additionally again on that and ask for another five years, if that makes sense.","start":2037.5299,"end":2046.345,"sentiment":"neutral","sentiment_score":-0.02810735342403253}],"sentiment":"neutral","sentiment_score":-0.015466368878495042,"num_words":119,"start":2013.1849,"end":2046.345},{"sentences":[{"text":"If you were to reinjure yourself with something else, you potentially could make another claim for something else or a different injury, but it wouldn't be likely to the same injury, if that makes sense.","start":2046.405,"end":2055.6,"sentiment":"neutral","sentiment_score":-0.1854005040866988},{"text":"Yep.","start":2067.04,"end":2067.54,"sentiment":"neutral","sentiment_score":0.04072299227118492},{"text":"So that's the monthly benefit.","start":2074.575,"end":2076.095,"sentiment":"neutral","sentiment_score":0.1110459566116333},{"text":"Obviously, tax comes into it, but that's the monthly amount you would receive if you were to make a successful claim, if that makes sense.","start":2076.095,"end":2083.75,"sentiment":"neutral","sentiment_score":0.15988801404833794},{"text":"So the way that works is when they originally do the application, you do it for 70% of your current income.","start":2092.1301,"end":2099.985,"sentiment":"neutral","sentiment_score":0.1399636013167245}],"sentiment":"neutral","sentiment_score":0.011992771392581106,"num_words":87,"start":2046.405,"end":2099.985},{"sentences":[{"text":"So 70% of whatever your current income was at the time, because you can only do up to 70% of your income because if people are getting a 100% of their income, you know, they're just gonna keep trying to stay on claim because you're not you're you're getting a full full ride, basically.","start":2099.985,"end":2113.05,"sentiment":"neutral","sentiment_score":0.14773128181695938},{"text":"Whereas if it's 70%, it's more enticing for people to return to work because you're missing out on a certain level of your pay packet even if you're not working, So trying to get people back at work.","start":2113.11,"end":2123.865,"sentiment":"positive","sentiment_score":0.3556753493061191},{"text":"Now with that premium amount there as well and with the the sum insured because you have CPI on that as well, whatever they deem the CPI rate to be, whether it's, like, they're doing, like, the aiming for the cash rate or things like that, it increases your policy each year by, like, two to 5% depending on what the markets are doing and what things are doing in general.","start":2124.005,"end":2144.49,"sentiment":"neutral","sentiment_score":0.2208260178146228},{"text":"Now so your policy does creep up in terms of, like, how much you're covered for in addition to, obviously, it goes up in price for not only the what the government's doing, what the taxes are at the time, and then also your age as it get up it gets older, and then the amount that goes up goes up a little bit well as as well.","start":2144.71,"end":2163.845,"sentiment":"neutral","sentiment_score":-0.18695121817290783}],"sentiment":"neutral","sentiment_score":0.105883623033891,"num_words":231,"start":2099.985,"end":2163.845},{"sentences":[{"text":"So you'll notice even with your life and TPD, that does creep up a little bit each year.","start":2163.845,"end":2168.95,"sentiment":"negative","sentiment_score":-0.3766863528225157},{"text":"You could do the you could do the five year benefit if you'd like.","start":2175.4102,"end":2179.19,"sentiment":"neutral","sentiment_score":0.05729612468608788},{"text":"Yep.","start":2188.835,"end":2189.335,"sentiment":"neutral","sentiment_score":-0.04473156854510307},{"text":"As as I said, yeah.","start":2189.475,"end":2190.595,"sentiment":"neutral","sentiment_score":-0.04647035449743271},{"text":"So, like, if you were to change it to from the age 65 to a five year benefit, it's about a a thousand dollar sorta difference in in premium just based on that.","start":2190.595,"end":2200.76,"sentiment":"neutral","sentiment_score":-0.021279252501148167}],"sentiment":"neutral","sentiment_score":-0.09799306026436913,"num_words":71,"start":2163.845,"end":2200.76},{"sentences":[{"text":"Yeah.","start":2207.945,"end":2208.105,"sentiment":"neutral","sentiment_score":0.023609381169080738},{"text":"You'd be covered all the way up to the age of 65 if you were on on a on a serious claim and were unable to return to work.","start":2208.105,"end":2215.065,"sentiment":"neutral","sentiment_score":-0.10428097895507155},{"text":"Yeah.","start":2215.065,"end":2215.305,"sentiment":"neutral","sentiment_score":-0.04616740345954895},{"text":"And obviously meet the definitions of the insurer.","start":2215.305,"end":2217.645,"sentiment":"neutral","sentiment_score":-0.0897164810448885},{"text":"That's not up to us.","start":2217.785,"end":2218.905,"sentiment":"neutral","sentiment_score":-0.08725364170968533}],"sentiment":"neutral","sentiment_score":-0.09547060156579722,"num_words":44,"start":2207.945,"end":2218.905},{"sentences":[{"text":"Yep.","start":2218.905,"end":2219.405,"sentiment":"neutral","sentiment_score":0.004647658672183752},{"text":"So we, obviously, as a part of you and your reviews, look at, like, your insurance you hold and everything at the time as well.","start":2226.1199,"end":2232.92,"sentiment":"neutral","sentiment_score":-0.10224235624074936},{"text":"If you feel like you're in a position where you're no longer working and you you are retired, we can just get rid of the policy because you can't ensure for money you aren't earning, if that makes sense as well.","start":2232.92,"end":2242.435,"sentiment":"neutral","sentiment_score":-0.2840524221338877},{"text":"Yep.","start":2244.175,"end":2244.675,"sentiment":"neutral","sentiment_score":0.1251758337020874},{"text":"Yep.","start":2248.655,"end":2249.01,"sentiment":"neutral","sentiment_score":0.09453200548887251}],"sentiment":"neutral","sentiment_score":-0.20257757558905776,"num_words":69,"start":2218.905,"end":2249.01},{"sentences":[{"text":"Yeah.","start":2253.09,"end":2253.25,"sentiment":"neutral","sentiment_score":0.07491797208786011},{"text":"I'll see what that will look like in terms of Just bear with me.","start":2253.25,"end":2271.6648,"sentiment":"neutral","sentiment_score":0.03803832536297185},{"text":"It's just loading up to let you know what that difference will be.","start":2271.6648,"end":2274.9648,"sentiment":"neutral","sentiment_score":0.10453532349604827},{"text":"So bringing it down from the 1.8 to the 1.5 for life and attached total permanent disability, it brings the policy premium down from 4,572 to 4,162.","start":2276.16,"end":2287.2998,"sentiment":"neutral","sentiment_score":0.2740212447113461},{"text":"So that of only $400 sort of saving.","start":2287.44,"end":2290.7449,"sentiment":"neutral","sentiment_score":0.2820254750549793}],"sentiment":"neutral","sentiment_score":0.18446335143276624,"num_words":63,"start":2253.09,"end":2290.7449},{"sentences":[{"text":"Yep.","start":2300.805,"end":2301.305,"sentiment":"neutral","sentiment_score":0.19499215483665464},{"text":"Yep.","start":2318.355,"end":2318.855,"sentiment":"neutral","sentiment_score":-0.004626799374818802},{"text":"Obviously, you know, given that it's in, like, its first few years of the policy, like, in the first three years, generally, the premiums aren't too different compared to market just as, like, the way they work because they are, like, cumulatively is, like, more of, like, a curve.","start":2318.915,"end":2334.22,"sentiment":"neutral","sentiment_score":0.036262997140993875},{"text":"So those first few years, you do get, like, a bit of a discount on the the premiums, not so much of a discount, but you don't get as many price hikes.","start":2334.22,"end":2340.86,"sentiment":"neutral","sentiment_score":0.10127655805263203},{"text":"But then after that, each year, it tends to hike up a little bit more.","start":2340.86,"end":2344.7852,"sentiment":"neutral","sentiment_score":-0.24881224781274797}],"sentiment":"neutral","sentiment_score":0.015060391386362667,"num_words":98,"start":2300.805,"end":2344.7852},{"sentences":[{"text":"So we can definitely, as I said because I'll call Neos and see what they sort of gauge in regards to your previous chiropractor history, if you'll still be an exclusion, if it is reviewable or not.","start":2345.165,"end":2355.54,"sentiment":"neutral","sentiment_score":0.16100611034277323},{"text":"And then with that, based on your occupation, I'll go to a couple of other insurers that rate your occupation quite well, and I'll double check what their pricing is and if the exclusion applies then as well.","start":2355.62,"end":2365.32,"sentiment":"neutral","sentiment_score":0.20925060738074153},{"text":"Yep.","start":2368.74,"end":2368.965,"sentiment":"neutral","sentiment_score":0.23334690928459167},{"text":"Not a problem.","start":2369.845,"end":2370.645,"sentiment":"positive","sentiment_score":0.39042384425799054},{"text":"Was there anything else in regards to that kit that you wanted to have a chat about?","start":2370.645,"end":2374.245,"sentiment":"neutral","sentiment_score":0.16022382150678074}],"sentiment":"neutral","sentiment_score":0.18788721427942315,"num_words":96,"start":2345.165,"end":2374.245},{"sentences":[{"text":"Or Yes.","start":2374.245,"end":2401.0151,"sentiment":"neutral","sentiment_score":0.03524640575051308},{"text":"So so with that, like, as a kid, I'll I'll double check with Neos compared to, like, your the information you've given me if we can remove the the spine exclusion given what you've told me.","start":2401.155,"end":2411.45,"sentiment":"neutral","sentiment_score":0.017460568601058588},{"text":"And then I'll also double check on our software there what rates your occupation quite well and then get the pricing from those insurers as to what a policy might cost for the same amount that you currently have, and then if that exclusion will likely still apply on.","start":2412.1501,"end":2427.035,"sentiment":"neutral","sentiment_score":0.13855112336423933},{"text":"As I said, with NextUp and things like that, even if it's minor, they generally look at that three to five years for, like, reviewing exclusions.","start":2427.035,"end":2434.095,"sentiment":"neutral","sentiment_score":-0.01552988259265056},{"text":"And I've I've seen it sort of pushed out to ten for some people as well.","start":2435.275,"end":2438.64,"sentiment":"neutral","sentiment_score":-0.017586213438335108}],"sentiment":"neutral","sentiment_score":0.05273582917491927,"num_words":129,"start":2374.245,"end":2438.64},{"sentences":[{"text":"Like, it just all depends on how they deem it.","start":2438.64,"end":2441.86,"sentiment":"neutral","sentiment_score":-0.010427799634635448},{"text":"But I'll include that.","start":2442.24,"end":2443.44,"sentiment":"neutral","sentiment_score":0.09667005576193333},{"text":"And then with that two kids, did you want this reduction to go through before the advice, or do you want to us to do all the research and we have a conversation with you in that week and a half booking there as well and give you the information on how you'd like to proceed and whether or not you wanna do the quote straight away or wait for the advice on what the recommendation was?","start":2443.44,"end":2464.75,"sentiment":"neutral","sentiment_score":0.1659584589689583},{"text":"Because I can do I can do the quote for the the the reduction now, and I can get the team to get that off to you, and then we can get that one sorted and then just go from there.","start":2464.75,"end":2475.085,"sentiment":"neutral","sentiment_score":0.31625851261906507},{"text":"Yep.","start":2481.2249,"end":2481.7249,"sentiment":"neutral","sentiment_score":0.0388968400657177}],"sentiment":"neutral","sentiment_score":0.19599022123878612,"num_words":133,"start":2438.64,"end":2481.7249},{"sentences":[{"text":"Yep.","start":2487.385,"end":2487.7048,"sentiment":"neutral","sentiment_score":0.08352673053741455},{"text":"Yeah.","start":2487.7048,"end":2488.2048,"sentiment":"neutral","sentiment_score":0.10256500542163847},{"text":"With that dude, just to let you know as well that they do, like, rebate amounts as well.","start":2488.425,"end":2493.91,"sentiment":"neutral","sentiment_score":0.16219482860631412},{"text":"Like, even if you are charged it and you're overcharged and you change it from that, whatever the difference is, it is, like, aggregate across the days that you hold the policy, but just so you are aware.","start":2493.91,"end":2507.315,"sentiment":"neutral","sentiment_score":0.05525018122831458},{"text":"Yep.","start":2520.55,"end":2521.05,"sentiment":"neutral","sentiment_score":0.05663482844829559}],"sentiment":"neutral","sentiment_score":0.08918204010164334,"num_words":59,"start":2487.385,"end":2521.05},{"sentences":[{"text":"Not a problem at all.","start":2521.11,"end":2522.33,"sentiment":"neutral","sentiment_score":0.2158191293478012},{"text":"Yeah.","start":2522.55,"end":2523.05,"sentiment":"neutral","sentiment_score":0.09075705707073212},{"text":"No.","start":2523.1902,"end":2523.4302,"sentiment":"neutral","sentiment_score":-0.054953381419181824},{"text":"That's not a problem at all, Kage.","start":2523.4302,"end":2524.81,"sentiment":"neutral","sentiment_score":-0.08719943902854409},{"text":"Yes.","start":2534.725,"end":2535.045,"sentiment":"neutral","sentiment_score":0.30346930027008057}],"sentiment":"neutral","sentiment_score":0.053864836630721884,"num_words":15,"start":2521.11,"end":2535.045},{"sentences":[{"text":"So we're doing updating your advice anyway.","start":2535.045,"end":2537.125,"sentiment":"neutral","sentiment_score":0.2340818430696215},{"text":"So I'll get that by our booking on the second there and give you some sort of options in regards to the insurances as well and what sort of the competitive pricing are and if they're willing to remove any of that that exclusion.","start":2537.125,"end":2548.76,"sentiment":"neutral","sentiment_score":0.17208781914616172},{"text":"As far as the quote goes, I'll try and get that sent off to you, like, this afternoon.","start":2549.62,"end":2553.7,"sentiment":"neutral","sentiment_score":0.09804927040305403},{"text":"I just have to do forewarn you that when it comes to even though you're looking at potentially rewriting anyway, when it comes to increasing cover, unless it's under, like, certain life events, you do have to go through underwriting again.","start":2553.7,"end":2564.395,"sentiment":"neutral","sentiment_score":-0.12762953849827371},{"text":"And then it's just to be wary of, like I know you've got a bit of debt, but a lot of that is into regards to, like, having an investment property, things like that as well.","start":2564.395,"end":2573.1846,"sentiment":"neutral","sentiment_score":-0.06560228744314776}],"sentiment":"neutral","sentiment_score":0.02315637249856779,"num_words":146,"start":2535.045,"end":2573.1846},{"sentences":[{"text":"And you do have quite a bit of savings.","start":2573.1846,"end":2575.366,"sentiment":"neutral","sentiment_score":0.24052415125899845},{"text":"So in saying that you're quite well protected in the sense that even with the 1.5, it would cover your primary residence debt and some income replacement for, you know, probably that two to three year mark given that your income's quite high.","start":2575.366,"end":2587.7651,"sentiment":"neutral","sentiment_score":0.30602752607922223},{"text":"And then you'd still have, like, your other assets and things like that that you'd have to work with in regards to that and your also your superannuation balance.","start":2589.105,"end":2595.7898,"sentiment":"neutral","sentiment_score":0.2357899035359251},{"text":"As long as you're aware and comfortable with that, I'm comfortable just to send you out that quote and look at that reduction.","start":2595.7898,"end":2599.97,"sentiment":"neutral","sentiment_score":0.2276391383746396},{"text":"Yeah.","start":2602.43,"end":2602.93,"sentiment":"neutral","sentiment_score":0.1704716980457306}],"sentiment":"neutral","sentiment_score":0.26255219110420774,"num_words":105,"start":2573.1846,"end":2602.93},{"sentences":[{"text":"Yep.","start":2614.245,"end":2614.405,"sentiment":"neutral","sentiment_score":0.16453510522842407},{"text":"Yep.","start":2614.405,"end":2614.725,"sentiment":"neutral","sentiment_score":0.20291726291179657},{"text":"Not a problem at all.","start":2614.725,"end":2615.6052,"sentiment":"positive","sentiment_score":0.39728252291679383},{"text":"As I said, the the cost savings will be around that $400 mark in terms of that for that next rollover amount, if that makes sense.","start":2615.6052,"end":2623.23,"sentiment":"positive","sentiment_score":0.40063090737049395},{"text":"Not a problem at all, Kitch.","start":2626.03,"end":2627.55,"sentiment":"positive","sentiment_score":0.3908553421497345}],"sentiment":"positive","sentiment_score":0.38757437505783177,"num_words":39,"start":2614.245,"end":2627.55},{"sentences":[{"text":"Was there anything else that you wanted to have a chat about while you've got me there?","start":2627.55,"end":2631.09,"sentiment":"neutral","sentiment_score":0.15935626319226096},{"text":"Perfect.","start":2633.39,"end":2633.71,"sentiment":"neutral","sentiment_score":0.06965716928243637},{"text":"Well, I'll Yep.","start":2633.71,"end":2640.335,"sentiment":"neutral","sentiment_score":0.05502285622060299},{"text":"Yep.","start":2646.555,"end":2646.955,"sentiment":"neutral","sentiment_score":0.06855351477861404},{"text":"As I said, it'll just be some tabled up figures there for you to give you sort of a rough idea of the different options.","start":2646.955,"end":2652.4302,"sentiment":"neutral","sentiment_score":0.05738536134362221}],"sentiment":"neutral","sentiment_score":0.09461637788472023,"num_words":47,"start":2627.55,"end":2652.4302},{"sentences":[{"text":"It won't be just like the full reporting and things like that as well.","start":2652.4302,"end":2654.9102,"sentiment":"neutral","sentiment_score":-0.030191576773566858},{"text":"As I said, it's there.","start":2654.9102,"end":2655.71,"sentiment":"neutral","sentiment_score":-0.00892444457858801},{"text":"I've just gotta collate it.","start":2655.71,"end":2657.23,"sentiment":"neutral","sentiment_score":-0.06034955680370331},{"text":"Yeah.","start":2657.23,"end":2657.73,"sentiment":"neutral","sentiment_score":-0.025356510654091835},{"text":"Yep.","start":2666.4302,"end":2666.715,"sentiment":"neutral","sentiment_score":-0.02956339716911316}],"sentiment":"neutral","sentiment_score":-0.03169123036786914,"num_words":26,"start":2652.4302,"end":2666.715},{"sentences":[{"text":"Exactly.","start":2674.3152,"end":2674.8152,"sentiment":"neutral","sentiment_score":-0.06128627061843872},{"text":"So yeah.","start":2674.955,"end":2675.935,"sentiment":"neutral","sentiment_score":-0.030840587802231312},{"text":"That's yeah.","start":2676.0752,"end":2677.915,"sentiment":"neutral","sentiment_score":-0.05898719280958176},{"text":"That's why I wouldn't send you, like, all the reports that I've got because for you, it's probably more confusing than if I simplify it down to the figures that actually matter because the things that spits out, there's a million different things.","start":2677.915,"end":2689.43,"sentiment":"neutral","sentiment_score":-0.22719900881828264},{"text":"There's only a few that probably actually you're concerned about or wanna actually hear about if that makes sense as well.","start":2689.43,"end":2694.97,"sentiment":"neutral","sentiment_score":-0.14930273308640435}],"sentiment":"neutral","sentiment_score":-0.19051966095424216,"num_words":69,"start":2674.3152,"end":2694.97},{"sentences":[{"text":"Yep.","start":2695.1099,"end":2695.6099,"sentiment":"neutral","sentiment_score":0.09896242618560792},{"text":"Yep.","start":2696.0698,"end":2696.5698,"sentiment":"neutral","sentiment_score":0.13194096088409424},{"text":"Yep.","start":2697.465,"end":2697.705,"sentiment":"neutral","sentiment_score":0.1391400694847107},{"text":"Completely understand, kids.","start":2697.705,"end":2699.0652,"sentiment":"neutral","sentiment_score":0.1654883325099945},{"text":"I I know exactly where you're coming from.","start":2699.0652,"end":2700.425,"sentiment":"neutral","sentiment_score":-0.01284229289740324}],"sentiment":"neutral","sentiment_score":0.05455500792179789,"num_words":14,"start":2695.1099,"end":2700.425},{"sentences":[{"text":"As I said, it has taken a bit longer, but there there has been a lot of things going on the background.","start":2700.425,"end":2704.8452,"sentiment":"neutral","sentiment_score":-0.07510928200049834},{"text":"Yeah.","start":2704.905,"end":2705.145,"sentiment":"neutral","sentiment_score":-0.09615853428840636},{"text":"Sorry that the business hasn't communicated that properly really in the the newsletters and things like that, but a lot of it, yeah, is sort of stuff that not to concern really the the clients with.","start":2705.145,"end":2713.76,"sentiment":"neutral","sentiment_score":-0.16218376884029972},{"text":"Obviously, it does affect you in the background because you're going through the process at the moment.","start":2713.76,"end":2717.12,"sentiment":"neutral","sentiment_score":-0.1502578078823931},{"text":"For the large majority, though, it is a little bit out of sight out of mind and normally wants to know when we're switching CRMs and softwares and things like that as well.","start":2717.12,"end":2725.6,"sentiment":"neutral","sentiment_score":-0.17682228169657968}],"sentiment":"neutral","sentiment_score":-0.1465751967572291,"num_words":109,"start":2700.425,"end":2725.6},{"sentences":[{"text":"So, again yep.","start":2725.6,"end":2727.715,"sentiment":"neutral","sentiment_score":-0.013919278358419737},{"text":"A little bit of a lack of communication, but, yeah, we're we got it booked in there.","start":2728.175,"end":2730.975,"sentiment":"neutral","sentiment_score":0.07889198972021833},{"text":"We'll get it sorted moving forward.","start":2730.975,"end":2732.595,"sentiment":"positive","sentiment_score":0.34924452751874924},{"text":"Well, yeah, that would play a difference as well.","start":2738.2551,"end":2741.25,"sentiment":"neutral","sentiment_score":0.22821152375804055},{"text":"Yeah.","start":2742.67,"end":2743.17,"sentiment":"neutral","sentiment_score":0.0954398363828659}],"sentiment":"neutral","sentiment_score":0.1540060195968383,"num_words":36,"start":2725.6,"end":2743.17},{"sentences":[{"text":"Yeah.","start":2747.71,"end":2748.0298,"sentiment":"neutral","sentiment_score":0.05961231514811516},{"text":"Okay.","start":2748.0298,"end":2748.3499,"sentiment":"neutral","sentiment_score":0.05088653415441513},{"text":"Yeah.","start":2748.3499,"end":2748.5898,"sentiment":"neutral","sentiment_score":0.04437991604208946},{"text":"No.","start":2748.5898,"end":2748.75,"sentiment":"neutral","sentiment_score":-0.01022784784436226},{"text":"That makes a lot more sense there as well, kids.","start":2748.75,"end":2751.0698,"sentiment":"neutral","sentiment_score":0.16823915243148804}],"sentiment":"neutral","sentiment_score":0.13050303155822413,"num_words":14,"start":2747.71,"end":2751.0698},{"sentences":[{"text":"So yep.","start":2751.0698,"end":2751.705,"sentiment":"neutral","sentiment_score":0.03887261264026165},{"text":"Completely understand.","start":2752.665,"end":2753.725,"sentiment":"neutral","sentiment_score":-0.1867702230811119},{"text":"Yeah.","start":2756.345,"end":2756.665,"sentiment":"neutral","sentiment_score":0.03512154519557953},{"text":"No.","start":2756.665,"end":2756.905,"sentiment":"neutral","sentiment_score":-0.022713448852300644},{"text":"No.","start":2756.905,"end":2757.0652,"sentiment":"neutral","sentiment_score":-0.0015723854303359983}],"sentiment":"neutral","sentiment_score":-0.040708501424108236,"num_words":7,"start":2751.0698,"end":2757.0652},{"sentences":[{"text":"That makes a lot more sense there as well.","start":2757.0652,"end":2759.0652,"sentiment":"neutral","sentiment_score":0.11648142958680789},{"text":"So okay.","start":2759.0652,"end":2760.125,"sentiment":"neutral","sentiment_score":0.1578783020377159},{"text":"Not a not a problem.","start":2760.345,"end":2761.645,"sentiment":"neutral","sentiment_score":0.2550515443086624},{"text":"Well, we got it booked in there in a a week and a half there, and we'll have a bit more of a conversation, or you can have a look at a few things.","start":2761.7852,"end":2770.33,"sentiment":"neutral","sentiment_score":0.25690112416358557},{"text":"No worries.","start":2770.33,"end":2770.8901,"sentiment":"positive","sentiment_score":0.5235625207424164}],"sentiment":"neutral","sentiment_score":0.23886750874897608,"num_words":52,"start":2757.0652,"end":2770.8901},{"sentences":[{"text":"Could you enjoy the rest of your afternoon?","start":2770.8901,"end":2771.9302,"sentiment":"positive","sentiment_score":0.7049285098910332},{"text":"Thanks for your time.","start":2771.9302,"end":2772.9102,"sentiment":"positive","sentiment_score":0.7780616283416748},{"text":"Thanks.","start":2775.21,"end":2775.69,"sentiment":"positive","sentiment_score":0.6036626100540161},{"text":"Bye.","start":2775.69,"end":2776.19,"sentiment":"neutral","sentiment_score":-0.09431134164333344}],"sentiment":"positive","sentiment_score":0.6615018472075462,"num_words":14,"start":2770.8901,"end":2776.19}]}}]},{"alternatives":[{"transcript":"Hello? Hey. I'm good, Kyle. How are you? Good. Yep. See, I don't I don't mind going over the phone about this. I will I will have no clue. It's a waste of completely waste of my time because I do not get any understanding of what we talk because it is difficult to remember all those numbers afterwards. Yeah. Yeah. I understand it's not a template. I understand it's not a template. But if you can get, you know, download Excel files or download something that you can send me over an email, then we can go one file at a time. And at least the because I have that file, just to revise in my mind, try and remember what has been discussed, if there is a there is a decision that I have to give, I have those files to go and revisit and do something about it. These kind of calls are not helping me at all. Alright? Yeah. Right. So when did we last speak? What's the date on your record? When did when was the last conversation? Yep. Mhmm. Okay. So let's assume January 14 and move on. So it's been a month, but you cannot you cannot get those documents out or those things out for us to view on both sides of this call. Yeah? So now I do not know how to proceed with this beyond this. See, with the incentive. I don't have see. See, Kyle, it's okay. You're apologizing and all of that is all said and done. It's it's okay. I get it. I appreciate it. However, because you are you are having an internal system change, we don't have any communications. So when the next call happens after a month, I kind of expect that there are some details that are put in front of my eyes so that I can look at them. Right? Is that expectation any wrong? Because that's the commitment we had from the last call. Right? Yeah. So this is a very slow process. It's moving very slowly and the financial markets do not go over that slow, isn't it? So I'm not I'm not able to move forward, frankly. Now with this insurance thing, the Neos insurance, I have received an email from them, so I know what they're charging me for what. So I can speak to you with numbers. I can refer to you to go to a certain page on that document where you see the same document and I see that the same document and the conversation will flow very fast and we'll have decisions about it. Right? But for the rest of it is a complete black box for me. And it is it is a 140,000 of my hard earned money, and I'm not comfortable it being a black box at all. Yes. My name is Shruti Jibrankar. Date of birth is sixteen July seventy nine, and full address is 12 Catania, Maryland Springs, Victoria 3023. Yep. Okay. I'm I'm sorry, Kyle. I'm I'm sorry, Kyle. I'm going to interrupt. The problem is I've seen this I think it's it's a part of your Oakview Financial training that you work how you work with your clients on phone calls. But I want to give you this feedback. You started with something, and wherever you are right now, I have lost you, mate. These are really long winded answers. I do not understand where you start and where you end, and this is a feedback I have to give to the system, whoever it is. It's a very long ended long winded answer. I do not understand where you're going with this. If you have if you say that you what I'm asking that is something not nonstandard, then that's fine. But you committed to it on the January that, yes, you will prepare some kind of a document and send it across so that in the next call, we can both look at the document and talk. Right? So so I had to call so I had to I had to call Kyle because he did not schedule it. I waited for some time, and then I made that call to book this appointment. Alright. Well, I don't have communications from you, Kyle. You can give me a communication. I'm a reasonable guy. If you tell me there's a system change, there's a backlog. We need to delay this process by another two weeks. I can understand that. I don't have the communication. I can't be held responsible for it, mate. Do you think am I asking for something unreasonable here? If you communicate, I will ask accept it. I don't have communications from you or your system or Oakview Financial as an organization that you guys are going through an overall of your IT systems. That's it. Case Yep. Yep. Yes. Alright. So before we jump on and change the subject, is there an action item here? Are you going to book something for another, let's say, two weeks or three weeks from now, from today? That's fine. That's fine. I just want to conclude that there's a decision. That's it. So if that decision's there, whenever you do send, am I can I expect to get a document in my hand so that I open it locally on my side here on my laptop and talk to you so that I can see what you're referring to and what we are, you know yeah? Second of March. March 2. Okay. March 2 is a Monday. Monday evening, March 2 is fine, and it gives you exactly two and a half weeks. Is that okay? Are you comfortable with that? Week and a half. Sorry. A week and a half. Yeah. Yep. Okay. Done. I'm also booking my calendar so that I know you're going to call me on the 03/02/2006. I'm putting in a six to seven blocking an hour out of your call. Okay. Done. So first thing, one item done and checked. The next item is insurance. Yes. Do you have the insurance policy from Neos open in front of you? Yep. So see, what I'm looking at is my payment detail is around 4,500 on the policy. Okay? That's the yearly premium. That's the new yearly premium, right, for the next year. And what is the rollover amount? It's a very small question, but what is the payment method rollover and rollover amount is 3,886? What is the difference there? Mhmm. Okay. Okay. So the super technician will pay ultimately $3.08 $8.6.95. Correct? Okay. Alright. So what I'm coming to is now we're going to the cover details. Alright? There's one that is for life cover. Alright? Got it. Got it. So I want to break that down now. Okay. Now let's start with the bottom. That is the income support cover. Now this income support cover, the benefit period is still $8.65, isn't it? Like nineteen or twenty years. Yep. Okay. So, generally, do people really cover themselves up for till 65? I know it's a very personal circumstance question, but I was like, do I really need a cover for till the age of 65 or should I be looking at a roll sorry, income support cover for a rolling five year period? So whenever I lose a job, I'm covered for the next five years. It should not take me five years to find a job, so kind of like that. So will that bring the premium down? Yeah. Yeah. Okay. So this but because it says special conditions loading and exclusions, it says no no claim shall be payable under the insured benefits whether condition of event or event giving rise to the claim results from any disease, condition or disorder or lumbar support, it's intervertebral discs, joints, no root spinal cord or supportive musculature or ligaments or any treatment surgery complications thereof. So then what is the income? What defines what am I going off my income for if it's an injury? Then if they've taken excluded all the main injuries out, then what's the point? I don't have an injury. I don't know how this has come on record. I don't have an injury. What I was told was at that time, I used to go for whatever chiropractor. Yeah. And the exclusion of this thing was only for one year. This is my second year. Right? I I came on board on twenty four February. So this is my third year. So the third year is going to start from nineteenth March twenty twenty six. And I was told that the exclusion I mean, this exclusion would be only for the first two years or something or first one year or something. Why is it being carried forward? And that's where my confusion is. I'm I'm clearly yeah. Yeah. No. But this is wrong. Yeah. You were you weren't there, Mikhail. I understand you weren't there, but whoever was there told me that it'll be excluded after or it will be removed from these exclusions after a year if you don't go to the chiropractor. And I have not been to the chiropractor in the whole of 2025 or '24 '24. I don't have any problems in my back. This is I I mean, otherwise, I need we need to find another insurer. We need to reset. Yeah. We need to. Yeah. We need to because because this is so ridiculous. I went to the chiropractor for a tech neck. You know, tech neck tech neck is because of laptops. I went there for a neck thing. I was never there for my spine or back thing. I don't know how it got to record. Possibly, but this is lumber. They're going lumber is all lower back, isn't it? Oh, no. True. Yep. Yep. Yep. Yep. Yeah. Because because of these things, probably the premium is also bumping up a little bit is my assumption. Okay. Yeah. Okay. In fact in fact, I just rode my bike to the office and back today. Yeah. Yeah. Exactly. If yours is difficult being acting difficult, then I'm happy to move on to someone else with someone else. Yeah. Yep. Nope. No travel. No travel in my work profile. Yeah. Well, I can't guarantee that, but it's casual casual. Yeah. Yeah. Yep. No changes to the score. Well, I can't guarantee that. It can happen because my family stays overseas. So Yeah. No. No. No. Sorry. What is it? Yeah. Yes. I wouldn't remember that, mate. What is the what is the answer that I've given last time? Is the one that I stick to. Yeah. Yeah. So let me find what was the chiropractor's name? I can I can find the receipt send the earliest receipt for platinum? Yeah. Exactly. That's what I'm trying to find in my mail. Yeah. Yes. Stiffness in my neck because of the laptops. Oh, no. It was it was mild, but it was just nagging. You know? So over a period of time before it could really get really severe is when I started going to the chiropractor to get it fixed. Yes. Before it multiplies or becomes into bigger problem, I need to see someone and get some something done, exercises, whatnot. So the chiropractor suggested exercises and would what do they call it? Adjustment. Who would call me for an adjustment once a month? Well, it's it always starts with two or three sessions in the month for the first few months, and then it slows down to once a fortnight. It tapers down to once a fortnight to once a month. So I went there from the month just a second. 2023. So from May 2023, and until April 2024. However, it does sound for a full year, but it wasn't that many adjustments. It was starting adjustments were weekly, and then it moved to fortnightly, and then it tapered down to monthly. Fortnightly, and then it was only about six or seven adjustments for the rest of the year. April 24, then I have a invoice for March 24, then an invoice for there are two months in the middle that I he did not ask me to come. Everything was good. Uh-huh. So then I have twenty fourth November. Then oh, interesting. It wasn't that yeah. Yeah. Yeah. Yeah. So it was monthly till about sorry. Weekly till about for about first three months. Yeah. Yeah. Yeah. Six to seven the rest of the year. Yep. Oh, yeah. Exactly. I mean, things happen to people. Right? I mean, someone might have a knee pain, someone has a back pain, someone has a joint pain, and it is everyone's evolving, everyone's aging, everyone's growing in their ages, things will happen that I don't understand that they're being too strict about this. I understand. Yeah. Yeah. About which one? What recovery? Yes. 100% fine. For I mean, when the chiropractor starts, they always work with X rays. They do not start without X rays. No. I mean, surgery wise or something. No. If that is what you are leading to. Yeah. No. Nope. Yeah. Yeah. So, see, income protection was one thing. I'm not sure if I really want, the income protection, for that long. I I was thinking that his income support cover, you know, unfortunately, did not explain what the income support cover really means. They have they have correct explanations where it is inclusions and loadings, but it is not they will not explain when is the income. Yeah. Yeah. Yeah. Yeah. Yes. I have. But is there any way that I can lower that premium, which means I have to lower the sum insured is what I understand. Oh, and I cannot revisit this in after the sixth I mean, the starting of the sixth year and say, okay. Roll it for another five. I can't. Right? Yeah. I mean, for the cover only for the cover. Let's say I start in '26. So '20 '6, '27, '28, '29, and '30, the five years, I'm in I'm covered for the support, you know, income support cover. And in '31, it is not there on my policy. And then I can I ask for another five years later on if I have not claimed them anyway? Yep. Yeah. Yeah. Yeah. Alright. Yep. Yep. Alright. So let's move on. I'll leave the income protection as is. It has an in some insured of $8.09 $7.03. Is that the amount in such a claim in such case of a claim, $8.09 $7.03 is the four months sub insured? Yep. Yeah. Okay. So how is that number derived? Is it derived because it's such an odd number, $8.09 $7.03? Oh, okay. Alright. Okay. So there's not much that we can do for the income support cover. Alright. And so let's move on to that. No. I'll just leave it because, see, even if it is a five year benefit, it's still going to charge they're still going to charge me some amount on the policy. Right? Yeah. Right. Yeah. No. I'll leave it then. I'll leave it the way it is because it gives me some relief that I am covered because of an accident or whatever, right, in such cases. 50 five. Correct. Exactly. And this insurance cover will definitely cease after I am retired. Yeah. Exactly. Exactly. Alright. So then that's settled. Let's move on to the attached TBT cover and life cover. I just want to bring the sum assured down to 1.5. Yeah. Let's break that down and bring it down. There's no point going for one point eight. Yep. Yep. Alright. So let's stick to that. Let's get it revised to 1.5. And I definitely want to if if I I don't know if I'm allowed to ask for this, but I definitely want to look at another insurer and see if the premiums are competitive. Yep. Nope. So only one question now. You will work with getting the price. There's some insured for life cover and TPD to 1.5. That will take effect on the next policy. Will you be also finding an, I mean, a competitor for me or now or not? Is that an action item or not is my question. Yep. Mhmm. I see. I want to I definitely want to yes. Yes. So this quote has to be or the reduction on this quote has to happen first because nineteenth March, whenever they charge by super, I'd want them to charge the lesser amount for 1,500,000.0. Alright? That's how I'm insured. Yeah. Yeah. It is prorated. So, yeah, I'm fine with that. But since we've got time, we've got the whole month, today is what the eighteenth. Right? And precisely, we've got the whole month. Why not get that quote created or, I mean, expedited? Yeah. Yeah. Yeah. Yeah. Right? And then get a comparison also. So before the nineteenth, I would like to see if there's a comparison available. And if there's a comparison available, I would like to take a decision. Yeah. Yes. Precisely. With all the truck buses in mind and those numbers put down on paper for me, I think 1.5 is the right sum. There's no point going that far with 1.8. Yep. Yep. Nope. That's it. And then second March now, we've got the date locked in for the quotes compare comparative codes and for the document so that I can understand some numbers. Yeah. Yeah. Yeah. Yeah. I don't yeah. Yeah. Yeah. Because, see, on half twenty four, I log in. There are there are a thousand reports there. Right? And I'm not a person who's from the finance world or the field. So those reports really don't make any sense to me. So I want someone to explain to me in a little bit of system. Yeah. Right. Yeah. Exactly. Exactly. Precisely. Yep. Yep. Not a problem. Yep. And do remember, I think I've unsubscribed to the OQ Financial newsletters. So I I really totally learn communication. Yeah. I totally learn communication from your side or for anything that impacts me, basically. You know what? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Newsletters, not everyone subscribes to kind of thing. Yeah. Sure, mate. Not a problem. Thanks, Kyle. Yeah. You too, mate. Cheers. Have a good one. Bye 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Hey. I'm good, Kyle. How are you? Good.\n\nYep. See, I don't I don't mind going over the phone about this. I will I will have no clue. It's a waste of completely waste of my time because I do not get any understanding of what we talk because it is difficult to remember all those numbers afterwards. Yeah.\n\nYeah. I understand it's not a template. I understand it's not a template. But if you can get, you know, download Excel files or download something that you can send me over an email, then we can go one file at a time. And at least the because I have that file, just to revise in my mind, try and remember what has been discussed, if there is a there is a decision that I have to give, I have those files to go and revisit and do something about it.\n\nThese kind of calls are not helping me at all. Alright? Yeah. Right. So when did we last speak?\n\nWhat's the date on your record? When did when was the last conversation? Yep. Mhmm. Okay.\n\nSo let's assume January 14 and move on. So it's been a month, but you cannot you cannot get those documents out or those things out for us to view on both sides of this call. Yeah? So now I do not know how to proceed with this beyond this. See, with the incentive.\n\nI don't have see. See, Kyle, it's okay. You're apologizing and all of that is all said and done. It's it's okay. I get it.\n\nI appreciate it. However, because you are you are having an internal system change, we don't have any communications. So when the next call happens after a month, I kind of expect that there are some details that are put in front of my eyes so that I can look at them. Right? Is that expectation any wrong?\n\nBecause that's the commitment we had from the last call. Right? Yeah. So this is a very slow process. It's moving very slowly and the financial markets do not go over that slow, isn't it?\n\nSo I'm not I'm not able to move forward, frankly. Now with this insurance thing, the Neos insurance, I have received an email from them, so I know what they're charging me for what. So I can speak to you with numbers. I can refer to you to go to a certain page on that document where you see the same document and I see that the same document and the conversation will flow very fast and we'll have decisions about it. Right?\n\nBut for the rest of it is a complete black box for me. And it is it is a 140,000 of my hard earned money, and I'm not comfortable it being a black box at all. Yes. My name is Shruti Jibrankar. Date of birth is sixteen July seventy nine, and full address is 12 Catania, Maryland Springs, Victoria 3023.\n\nYep. Okay. I'm I'm sorry, Kyle. I'm I'm sorry, Kyle. I'm going to interrupt.\n\nThe problem is I've seen this I think it's it's a part of your Oakview Financial training that you work how you work with your clients on phone calls. But I want to give you this feedback. You started with something, and wherever you are right now, I have lost you, mate. These are really long winded answers. I do not understand where you start and where you end, and this is a feedback I have to give to the system, whoever it is.\n\nIt's a very long ended long winded answer. I do not understand where you're going with this. If you have if you say that you what I'm asking that is something not nonstandard, then that's fine. But you committed to it on the January that, yes, you will prepare some kind of a document and send it across so that in the next call, we can both look at the document and talk. Right?\n\nSo so I had to call so I had to I had to call Kyle because he did not schedule it. I waited for some time, and then I made that call to book this appointment. Alright. Well, I don't have communications from you, Kyle. You can give me a communication.\n\nI'm a reasonable guy. If you tell me there's a system change, there's a backlog. We need to delay this process by another two weeks. I can understand that. I don't have the communication.\n\nI can't be held responsible for it, mate. Do you think am I asking for something unreasonable here? If you communicate, I will ask accept it. I don't have communications from you or your system or Oakview Financial as an organization that you guys are going through an overall of your IT systems. That's it.\n\nCase Yep. Yep. Yes. Alright. So before we jump on and change the subject, is there an action item here?\n\nAre you going to book something for another, let's say, two weeks or three weeks from now, from today? That's fine. That's fine. I just want to conclude that there's a decision. That's it.\n\nSo if that decision's there, whenever you do send, am I can I expect to get a document in my hand so that I open it locally on my side here on my laptop and talk to you so that I can see what you're referring to and what we are, you know yeah? Second of March. March 2. Okay. March 2 is a Monday.\n\nMonday evening, March 2 is fine, and it gives you exactly two and a half weeks. Is that okay? Are you comfortable with that? Week and a half. Sorry.\n\nA week and a half. Yeah. Yep. Okay. Done.\n\nI'm also booking my calendar so that I know you're going to call me on the 03/02/2006. I'm putting in a six to seven blocking an hour out of your call. Okay. Done. So first thing, one item done and checked.\n\nThe next item is insurance. Yes. Do you have the insurance policy from Neos open in front of you? Yep. So see, what I'm looking at is my payment detail is around 4,500 on the policy.\n\nOkay? That's the yearly premium. That's the new yearly premium, right, for the next year. And what is the rollover amount? It's a very small question, but what is the payment method rollover and rollover amount is 3,886?\n\nWhat is the difference there? Mhmm. Okay. Okay. So the super technician will pay ultimately $3.08 $8.6.95.\n\nCorrect? Okay. Alright. So what I'm coming to is now we're going to the cover details. Alright?\n\nThere's one that is for life cover. Alright? Got it. Got it. So I want to break that down now.\n\nOkay. Now let's start with the bottom. That is the income support cover. Now this income support cover, the benefit period is still $8.65, isn't it? Like nineteen or twenty years.\n\nYep. Okay. So, generally, do people really cover themselves up for till 65? I know it's a very personal circumstance question, but I was like, do I really need a cover for till the age of 65 or should I be looking at a roll sorry, income support cover for a rolling five year period? So whenever I lose a job, I'm covered for the next five years.\n\nIt should not take me five years to find a job, so kind of like that. So will that bring the premium down? Yeah. Yeah. Okay.\n\nSo this but because it says special conditions loading and exclusions, it says no no claim shall be payable under the insured benefits whether condition of event or event giving rise to the claim results from any disease, condition or disorder or lumbar support, it's intervertebral discs, joints, no root spinal cord or supportive musculature or ligaments or any treatment surgery complications thereof. So then what is the income? What defines what am I going off my income for if it's an injury? Then if they've taken excluded all the main injuries out, then what's the point? I don't have an injury.\n\nI don't know how this has come on record. I don't have an injury. What I was told was at that time, I used to go for whatever chiropractor. Yeah. And the exclusion of this thing was only for one year.\n\nThis is my second year. Right? I I came on board on twenty four February. So this is my third year. So the third year is going to start from nineteenth March twenty twenty six.\n\nAnd I was told that the exclusion I mean, this exclusion would be only for the first two years or something or first one year or something. Why is it being carried forward? And that's where my confusion is. I'm I'm clearly yeah. Yeah.\n\nNo. But this is wrong. Yeah. You were you weren't there, Mikhail. I understand you weren't there, but whoever was there told me that it'll be excluded after or it will be removed from these exclusions after a year if you don't go to the chiropractor.\n\nAnd I have not been to the chiropractor in the whole of 2025 or '24 '24. I don't have any problems in my back. This is I I mean, otherwise, I need we need to find another insurer. We need to reset. Yeah.\n\nWe need to. Yeah. We need to because because this is so ridiculous. I went to the chiropractor for a tech neck. You know, tech neck tech neck is because of laptops.\n\nI went there for a neck thing. I was never there for my spine or back thing. I don't know how it got to record. Possibly, but this is lumber. They're going lumber is all lower back, isn't it?\n\nOh, no. True. Yep. Yep. Yep.\n\nYep. Yeah. Because because of these things, probably the premium is also bumping up a little bit is my assumption. Okay. Yeah.\n\nOkay. In fact in fact, I just rode my bike to the office and back today. Yeah. Yeah. Exactly.\n\nIf yours is difficult being acting difficult, then I'm happy to move on to someone else with someone else. Yeah. Yep. Nope. No travel.\n\nNo travel in my work profile. Yeah. Well, I can't guarantee that, but it's casual casual. Yeah. Yeah.\n\nYep. No changes to the score. Well, I can't guarantee that. It can happen because my family stays overseas. So Yeah.\n\nNo. No. No. Sorry. What is it?\n\nYeah. Yes. I wouldn't remember that, mate. What is the what is the answer that I've given last time? Is the one that I stick to.\n\nYeah. Yeah. So let me find what was the chiropractor's name? I can I can find the receipt send the earliest receipt for platinum? Yeah.\n\nExactly. That's what I'm trying to find in my mail. Yeah. Yes. Stiffness in my neck because of the laptops.\n\nOh, no. It was it was mild, but it was just nagging. You know? So over a period of time before it could really get really severe is when I started going to the chiropractor to get it fixed. Yes.\n\nBefore it multiplies or becomes into bigger problem, I need to see someone and get some something done, exercises, whatnot. So the chiropractor suggested exercises and would what do they call it? Adjustment. Who would call me for an adjustment once a month? Well, it's it always starts with two or three sessions in the month for the first few months, and then it slows down to once a fortnight.\n\nIt tapers down to once a fortnight to once a month. So I went there from the month just a second. 2023. So from May 2023, and until April 2024. However, it does sound for a full year, but it wasn't that many adjustments.\n\nIt was starting adjustments were weekly, and then it moved to fortnightly, and then it tapered down to monthly. Fortnightly, and then it was only about six or seven adjustments for the rest of the year. April 24, then I have a invoice for March 24, then an invoice for there are two months in the middle that I he did not ask me to come. Everything was good. Uh-huh.\n\nSo then I have twenty fourth November. Then oh, interesting. It wasn't that yeah. Yeah. Yeah.\n\nYeah. So it was monthly till about sorry. Weekly till about for about first three months. Yeah. Yeah.\n\nYeah. Six to seven the rest of the year. Yep. Oh, yeah. Exactly.\n\nI mean, things happen to people. Right? I mean, someone might have a knee pain, someone has a back pain, someone has a joint pain, and it is everyone's evolving, everyone's aging, everyone's growing in their ages, things will happen that I don't understand that they're being too strict about this. I understand. Yeah.\n\nYeah. About which one? What recovery? Yes. 100% fine.\n\nFor I mean, when the chiropractor starts, they always work with X rays. They do not start without X rays. No. I mean, surgery wise or something. No.\n\nIf that is what you are leading to. Yeah. No. Nope. Yeah.\n\nYeah. So, see, income protection was one thing. I'm not sure if I really want, the income protection, for that long. I I was thinking that his income support cover, you know, unfortunately, did not explain what the income support cover really means. They have they have correct explanations where it is inclusions and loadings, but it is not they will not explain when is the income.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\nI have. But is there any way that I can lower that premium, which means I have to lower the sum insured is what I understand. Oh, and I cannot revisit this in after the sixth I mean, the starting of the sixth year and say, okay. Roll it for another five. I can't.\n\nRight? Yeah. I mean, for the cover only for the cover. Let's say I start in '26. So '20 '6, '27, '28, '29, and '30, the five years, I'm in I'm covered for the support, you know, income support cover.\n\nAnd in '31, it is not there on my policy. And then I can I ask for another five years later on if I have not claimed them anyway? Yep. Yeah. Yeah.\n\nYeah. Alright. Yep. Yep. Alright.\n\nSo let's move on. I'll leave the income protection as is. It has an in some insured of $8.09 $7.03. Is that the amount in such a claim in such case of a claim, $8.09 $7.03 is the four months sub insured? Yep.\n\nYeah. Okay. So how is that number derived? Is it derived because it's such an odd number, $8.09 $7.03? Oh, okay.\n\nAlright. Okay. So there's not much that we can do for the income support cover. Alright. And so let's move on to that.\n\nNo. I'll just leave it because, see, even if it is a five year benefit, it's still going to charge they're still going to charge me some amount on the policy. Right? Yeah. Right.\n\nYeah. No. I'll leave it then. I'll leave it the way it is because it gives me some relief that I am covered because of an accident or whatever, right, in such cases. 50 five.\n\nCorrect. Exactly. And this insurance cover will definitely cease after I am retired. Yeah. Exactly.\n\nExactly. Alright. So then that's settled. Let's move on to the attached TBT cover and life cover. I just want to bring the sum assured down to 1.5.\n\nYeah. Let's break that down and bring it down. There's no point going for one point eight. Yep. Yep.\n\nAlright. So let's stick to that. Let's get it revised to 1.5. And I definitely want to if if I I don't know if I'm allowed to ask for this, but I definitely want to look at another insurer and see if the premiums are competitive. Yep.\n\nNope. So only one question now. You will work with getting the price. There's some insured for life cover and TPD to 1.5. That will take effect on the next policy.\n\nWill you be also finding an, I mean, a competitor for me or now or not? Is that an action item or not is my question. Yep. Mhmm. I see.\n\nI want to I definitely want to yes. Yes. So this quote has to be or the reduction on this quote has to happen first because nineteenth March, whenever they charge by super, I'd want them to charge the lesser amount for 1,500,000.0. Alright? That's how I'm insured.\n\nYeah. Yeah. It is prorated. So, yeah, I'm fine with that. But since we've got time, we've got the whole month, today is what the eighteenth.\n\nRight? And precisely, we've got the whole month. Why not get that quote created or, I mean, expedited? Yeah. Yeah.\n\nYeah. Yeah. Right? And then get a comparison also. So before the nineteenth, I would like to see if there's a comparison available.\n\nAnd if there's a comparison available, I would like to take a decision. Yeah. Yes. Precisely. With all the truck buses in mind and those numbers put down on paper for me, I think 1.5 is the right sum.\n\nThere's no point going that far with 1.8. Yep. Yep. Nope. That's it.\n\nAnd then second March now, we've got the date locked in for the quotes compare comparative codes and for the document so that I can understand some numbers. Yeah. Yeah. Yeah. Yeah.\n\nI don't yeah. Yeah. Yeah. Because, see, on half twenty four, I log in. There are there are a thousand reports there.\n\nRight? And I'm not a person who's from the finance world or the field. So those reports really don't make any sense to me. So I want someone to explain to me in a little bit of system. Yeah.\n\nRight. Yeah. Exactly. Exactly. Precisely.\n\nYep. Yep. Not a problem. Yep. And do remember, I think I've unsubscribed to the OQ Financial newsletters.\n\nSo I I really totally learn communication. Yeah. I totally learn communication from your side or for anything that impacts me, basically. You know what? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNewsletters, not everyone subscribes to kind of thing. Yeah. Sure, mate. Not a problem. Thanks, Kyle.\n\nYeah. You too, mate. Cheers. Have a good one. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.0381978303194046},{"text":"Hey.","start":6.96,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.22968462109565735},{"text":"I'm good, Kyle.","start":7.2799997,"end":8.0,"sentiment":"positive","sentiment_score":0.46090864141782123},{"text":"How are you?","start":8.0,"end":8.74,"sentiment":"positive","sentiment_score":0.39355286955833435},{"text":"Good.","start":11.36,"end":11.86,"sentiment":"positive","sentiment_score":0.3610544204711914}],"sentiment":"positive","sentiment_score":0.3547023783127467,"num_words":9,"start":0.24,"end":11.86},{"sentences":[{"text":"Yep.","start":15.375,"end":15.875,"sentiment":"neutral","sentiment_score":0.030214831233024597},{"text":"See, I don't I don't mind going over the phone about this.","start":30.220001,"end":34.24,"sentiment":"neutral","sentiment_score":-0.1554482001811266},{"text":"I will I will have no clue.","start":35.260002,"end":37.18,"sentiment":"negative","sentiment_score":-0.41672862427575247},{"text":"It's a waste of completely waste of my time because I do not get any understanding of what we talk because it is difficult to remember all those numbers afterwards.","start":37.18,"end":45.005,"sentiment":"negative","sentiment_score":-0.5864951680103938},{"text":"Yeah.","start":47.065002,"end":47.565002,"sentiment":"neutral","sentiment_score":0.009391906671226025}],"sentiment":"negative","sentiment_score":-0.4379946485198304,"num_words":51,"start":15.375,"end":47.565002},{"sentences":[{"text":"Yeah.","start":48.425003,"end":48.925003,"sentiment":"neutral","sentiment_score":0.00882656779140234},{"text":"I understand it's not a template.","start":54.77,"end":56.39,"sentiment":"neutral","sentiment_score":-0.18770652016003928},{"text":"I understand it's not a template.","start":56.69,"end":58.37,"sentiment":"neutral","sentiment_score":-0.17099168399969736},{"text":"But if you can get, you know, download Excel files or download something that you can send me over an email, then we can go one file at a time.","start":58.37,"end":69.035,"sentiment":"neutral","sentiment_score":-0.12396014456947645},{"text":"And at least the because I have that file, just to revise in my mind, try and remember what has been discussed, if there is a there is a decision that I have to give, I have those files to go and revisit and do something about it.","start":69.035,"end":82.35,"sentiment":"neutral","sentiment_score":-0.21418769222994646}],"sentiment":"neutral","sentiment_score":-0.17739754089328286,"num_words":91,"start":48.425003,"end":82.35},{"sentences":[{"text":"These kind of calls are not helping me at all.","start":82.67,"end":84.85,"sentiment":"negative","sentiment_score":-0.7936125814914703},{"text":"Alright?","start":87.47,"end":87.97,"sentiment":"neutral","sentiment_score":-0.06233164668083191},{"text":"Yeah.","start":88.03,"end":88.53,"sentiment":"neutral","sentiment_score":-0.07713806629180908},{"text":"Right.","start":107.895004,"end":108.375,"sentiment":"neutral","sentiment_score":0.0007806383073329926},{"text":"So when did we last speak?","start":108.375,"end":110.46,"sentiment":"neutral","sentiment_score":-0.00024993252009153366}],"sentiment":"negative","sentiment_score":-0.42506918340529265,"num_words":19,"start":82.67,"end":110.46},{"sentences":[{"text":"What's the date on your record?","start":110.46,"end":112.56,"sentiment":"neutral","sentiment_score":0.0015783194685354829},{"text":"When did when was the last conversation?","start":112.619995,"end":114.32,"sentiment":"neutral","sentiment_score":-0.0037114309546138558},{"text":"Yep.","start":128.47499,"end":128.97499,"sentiment":"neutral","sentiment_score":-0.006849032826721668},{"text":"Mhmm.","start":140.72,"end":141.22,"sentiment":"neutral","sentiment_score":-0.0296036209911108},{"text":"Okay.","start":163.47499,"end":163.95,"sentiment":"neutral","sentiment_score":0.0035898834466934204}],"sentiment":"neutral","sentiment_score":-0.0030858043901389465,"num_words":16,"start":110.46,"end":163.95},{"sentences":[{"text":"So let's assume January 14 and move on.","start":164.11,"end":166.43,"sentiment":"neutral","sentiment_score":-0.012143583386205137},{"text":"So it's been a month, but you cannot you cannot get those documents out or those things out for us to view on both sides of this call.","start":166.43,"end":174.91,"sentiment":"neutral","sentiment_score":-0.11107090953737497},{"text":"Yeah?","start":174.91,"end":175.41,"sentiment":"neutral","sentiment_score":-0.05861822888255119},{"text":"So now I do not know how to proceed with this beyond this.","start":175.70999,"end":179.985,"sentiment":"neutral","sentiment_score":-0.18034647405147552},{"text":"See, with the incentive.","start":182.125,"end":183.66501,"sentiment":"neutral","sentiment_score":-0.03945217980071902}],"sentiment":"neutral","sentiment_score":-0.1068160230535324,"num_words":54,"start":164.11,"end":183.66501},{"sentences":[{"text":"I don't have see.","start":199.53,"end":200.56999,"sentiment":"neutral","sentiment_score":-0.22979634627699852},{"text":"See, Kyle, it's okay.","start":200.56999,"end":203.57501,"sentiment":"neutral","sentiment_score":-0.009834419004619122},{"text":"You're apologizing and all of that is all said and done.","start":204.115,"end":206.835,"sentiment":"neutral","sentiment_score":-0.02739913287487897},{"text":"It's it's okay.","start":206.835,"end":207.63501,"sentiment":"neutral","sentiment_score":0.19135458767414093},{"text":"I get it.","start":207.63501,"end":208.115,"sentiment":"neutral","sentiment_score":0.32198216517766315}],"sentiment":"neutral","sentiment_score":0.011203869432210922,"num_words":25,"start":199.53,"end":208.115},{"sentences":[{"text":"I appreciate it.","start":208.115,"end":209.235,"sentiment":"positive","sentiment_score":0.44813284277915955},{"text":"However, because you are you are having an internal system change, we don't have any communications.","start":209.235,"end":214.295,"sentiment":"neutral","sentiment_score":-0.28902364056557417},{"text":"So when the next call happens after a month, I kind of expect that there are some details that are put in front of my eyes so that I can look at them.","start":214.675,"end":222.22,"sentiment":"neutral","sentiment_score":-0.3040356997287635},{"text":"Right?","start":222.22,"end":222.62,"sentiment":"neutral","sentiment_score":-0.26577305793762207},{"text":"Is that expectation any wrong?","start":222.62,"end":224.32,"sentiment":"negative","sentiment_score":-0.46525186896324155}],"sentiment":"neutral","sentiment_score":-0.2742274174916333,"num_words":58,"start":208.115,"end":224.32},{"sentences":[{"text":"Because that's the commitment we had from the last call.","start":224.62,"end":227.28,"sentiment":"negative","sentiment_score":-0.34821146726608276},{"text":"Right?","start":227.98,"end":228.48,"sentiment":"neutral","sentiment_score":-0.12139809131622314},{"text":"Yeah.","start":229.5,"end":229.965,"sentiment":"neutral","sentiment_score":-0.10910825431346892},{"text":"So this is a very slow process.","start":230.525,"end":233.665,"sentiment":"negative","sentiment_score":-0.5942618250846863},{"text":"It's moving very slowly and the financial markets do not go over that slow, isn't it?","start":233.805,"end":239.105,"sentiment":"negative","sentiment_score":-0.559665011242032}],"sentiment":"negative","sentiment_score":-0.48077411353588106,"num_words":35,"start":224.62,"end":239.105},{"sentences":[{"text":"So I'm not I'm not able to move forward, frankly.","start":239.325,"end":245.22,"sentiment":"negative","sentiment_score":-0.5277561515569686},{"text":"Now with this insurance thing, the Neos insurance, I have received an email from them, so I know what they're charging me for what.","start":246.56,"end":254.58,"sentiment":"neutral","sentiment_score":-0.25477382726967335},{"text":"So I can speak to you with numbers.","start":254.72,"end":256.4,"sentiment":"neutral","sentiment_score":-0.05230733682401478},{"text":"I can refer to you to go to a certain page on that document where you see the same document and I see that the same document and the conversation will flow very fast and we'll have decisions about it.","start":256.4,"end":266.525,"sentiment":"neutral","sentiment_score":-0.048111984087154266},{"text":"Right?","start":266.525,"end":267.025,"sentiment":"neutral","sentiment_score":-0.086928591132164}],"sentiment":"neutral","sentiment_score":-0.16653012071388312,"num_words":83,"start":239.325,"end":267.025},{"sentences":[{"text":"But for the rest of it is a complete black box for me.","start":267.165,"end":271.83,"sentiment":"negative","sentiment_score":-0.6296395200949448},{"text":"And it is it is a 140,000 of my hard earned money, and I'm not comfortable it being a black box at all.","start":273.34998,"end":280.96997,"sentiment":"negative","sentiment_score":-0.45572359017703845},{"text":"Yes.","start":290.435,"end":290.835,"sentiment":"neutral","sentiment_score":0.04964073374867439},{"text":"My name is Shruti Jibrankar.","start":290.835,"end":292.035,"sentiment":"neutral","sentiment_score":0.04625172466039658},{"text":"Date of birth is sixteen July seventy nine, and full address is 12 Catania, Maryland Springs, Victoria 3023.","start":292.035,"end":297.96,"sentiment":"neutral","sentiment_score":0.029841146224902734}],"sentiment":"neutral","sentiment_score":-0.29748193910345433,"num_words":60,"start":267.165,"end":297.96},{"sentences":[{"text":"Yep.","start":302.6,"end":303.1,"sentiment":"neutral","sentiment_score":-0.001482723280787468},{"text":"Okay.","start":336.39,"end":336.89,"sentiment":"neutral","sentiment_score":-0.06545024365186691},{"text":"I'm I'm sorry, Kyle.","start":359.88998,"end":360.94998,"sentiment":"neutral","sentiment_score":-0.1181062962859869},{"text":"I'm I'm sorry, Kyle.","start":361.33,"end":362.12997,"sentiment":"neutral","sentiment_score":-0.10723204910755157},{"text":"I'm going to interrupt.","start":362.12997,"end":363.11,"sentiment":"neutral","sentiment_score":-0.11744682304561138}],"sentiment":"neutral","sentiment_score":-0.10271954576351813,"num_words":14,"start":302.6,"end":363.11},{"sentences":[{"text":"The problem is I've seen this I think it's it's a part of your Oakview Financial training that you work how you work with your clients on phone calls.","start":363.49,"end":374.325,"sentiment":"neutral","sentiment_score":-0.12101139982455764},{"text":"But I want to give you this feedback.","start":374.46503,"end":376.08502,"sentiment":"neutral","sentiment_score":-0.009694750420749187},{"text":"You started with something, and wherever you are right now, I have lost you, mate.","start":376.14502,"end":381.31,"sentiment":"neutral","sentiment_score":-0.32479627231756847},{"text":"These are really long winded answers.","start":381.45,"end":383.23,"sentiment":"negative","sentiment_score":-0.6494164864222208},{"text":"I do not understand where you start and where you end, and this is a feedback I have to give to the system, whoever it is.","start":383.37,"end":391.545,"sentiment":"negative","sentiment_score":-0.4549670781080539}],"sentiment":"neutral","sentiment_score":-0.28791042419505264,"num_words":84,"start":363.49,"end":391.545},{"sentences":[{"text":"It's a very long ended long winded answer.","start":392.825,"end":395.545,"sentiment":"negative","sentiment_score":-0.518130574375391},{"text":"I do not understand where you're going with this.","start":395.545,"end":397.725,"sentiment":"negative","sentiment_score":-0.5768666830327775},{"text":"If you have if you say that you what I'm asking that is something not nonstandard, then that's fine.","start":398.18503,"end":407.62997,"sentiment":"neutral","sentiment_score":-0.33277865695325953},{"text":"But you committed to it on the January that, yes, you will prepare some kind of a document and send it across so that in the next call, we can both look at the document and talk.","start":407.69,"end":416.90997,"sentiment":"neutral","sentiment_score":-0.004542138830230043},{"text":"Right?","start":417.51498,"end":418.01498,"sentiment":"neutral","sentiment_score":-0.06425099074840546}],"sentiment":"neutral","sentiment_score":-0.2147560723226618,"num_words":74,"start":392.825,"end":418.01498},{"sentences":[{"text":"So so I had to call so I had to I had to call Kyle because he did not schedule it.","start":421.03497,"end":427.995,"sentiment":"neutral","sentiment_score":-0.24780251795337313},{"text":"I waited for some time, and then I made that call to book this appointment.","start":427.995,"end":431.69498,"sentiment":"neutral","sentiment_score":-0.21967889567216237},{"text":"Alright.","start":434.11002,"end":434.61002,"sentiment":"neutral","sentiment_score":-0.07396937161684036},{"text":"Well, I don't have communications from you, Kyle.","start":449.945,"end":452.285,"sentiment":"neutral","sentiment_score":-0.2806309871375561},{"text":"You can give me a communication.","start":452.745,"end":454.205,"sentiment":"neutral","sentiment_score":-0.1346638910472393}],"sentiment":"neutral","sentiment_score":-0.22796150837458817,"num_words":51,"start":421.03497,"end":454.205},{"sentences":[{"text":"I'm a reasonable guy.","start":454.505,"end":455.54498,"sentiment":"neutral","sentiment_score":-0.11498259659856558},{"text":"If you tell me there's a system change, there's a backlog.","start":455.54498,"end":457.705,"sentiment":"negative","sentiment_score":-0.47537858106873254},{"text":"We need to delay this process by another two weeks.","start":457.705,"end":459.93,"sentiment":"negative","sentiment_score":-0.6497334659099578},{"text":"I can understand that.","start":460.09,"end":461.38998,"sentiment":"neutral","sentiment_score":-0.14891061186790466},{"text":"I don't have the communication.","start":461.61,"end":462.91,"sentiment":"negative","sentiment_score":-0.37062333822250365}],"sentiment":"negative","sentiment_score":-0.4304467228186481,"num_words":34,"start":454.505,"end":462.91},{"sentences":[{"text":"I can't be held responsible for it, mate.","start":463.13,"end":465.55,"sentiment":"negative","sentiment_score":-0.5032165944576263},{"text":"Do you think am I asking for something unreasonable here?","start":465.77,"end":468.75,"sentiment":"negative","sentiment_score":-0.4506850391626358},{"text":"If you communicate, I will ask accept it.","start":468.97,"end":471.47,"sentiment":"neutral","sentiment_score":-0.20875211618840694},{"text":"I don't have communications from you or your system or Oakview Financial as an organization that you guys are going through an overall of your IT systems.","start":472.65,"end":480.745,"sentiment":"neutral","sentiment_score":-0.20671663184960684},{"text":"That's it.","start":496.25998,"end":497.94,"sentiment":"neutral","sentiment_score":-0.03074093535542488}],"sentiment":"neutral","sentiment_score":-0.2880987455899065,"num_words":55,"start":463.13,"end":497.94},{"sentences":[{"text":"Case Yep.","start":497.94,"end":518.72,"sentiment":"neutral","sentiment_score":0.020976903848350048},{"text":"Yep.","start":529.57996,"end":529.965,"sentiment":"neutral","sentiment_score":0.17550596594810486},{"text":"Yes.","start":546.83997,"end":547.33997,"sentiment":"neutral","sentiment_score":0.12466074526309968},{"text":"Alright.","start":547.39996,"end":547.72,"sentiment":"neutral","sentiment_score":0.1300006806850433},{"text":"So before we jump on and change the subject, is there an action item here?","start":547.72,"end":552.19995,"sentiment":"neutral","sentiment_score":0.05945131393770377}],"sentiment":"neutral","sentiment_score":0.06819454543292522,"num_words":20,"start":497.94,"end":552.19995},{"sentences":[{"text":"Are you going to book something for another, let's say, two weeks or three weeks from now, from today?","start":552.19995,"end":556.455,"sentiment":"neutral","sentiment_score":0.04193429805730518},{"text":"That's fine.","start":558.455,"end":558.935,"sentiment":"neutral","sentiment_score":0.16291993856430054},{"text":"That's fine.","start":558.935,"end":559.575,"sentiment":"neutral","sentiment_score":0.19018208235502243},{"text":"I just want to conclude that there's a decision.","start":559.575,"end":561.675,"sentiment":"neutral","sentiment_score":0.1218451898958948},{"text":"That's it.","start":562.135,"end":562.775,"sentiment":"neutral","sentiment_score":0.09298726171255112}],"sentiment":"neutral","sentiment_score":0.08192755698281176,"num_words":34,"start":552.19995,"end":562.775},{"sentences":[{"text":"So if that decision's there, whenever you do send, am I can I expect to get a document in my hand so that I open it locally on my side here on my laptop and talk to you so that I can see what you're referring to and what we are, you know yeah?","start":562.775,"end":576.89,"sentiment":"neutral","sentiment_score":0.22780671094854674},{"text":"Second of March.","start":588.805,"end":589.94495,"sentiment":"neutral","sentiment_score":0.10955947637557983},{"text":"March 2.","start":591.285,"end":592.345,"sentiment":"neutral","sentiment_score":0.03994043171405792},{"text":"Okay.","start":592.40497,"end":592.90497,"sentiment":"neutral","sentiment_score":0.08675629645586014},{"text":"March 2 is a Monday.","start":597.43,"end":599.29004,"sentiment":"neutral","sentiment_score":0.09019148051738739}],"sentiment":"neutral","sentiment_score":0.20381285204337193,"num_words":65,"start":562.775,"end":599.29004},{"sentences":[{"text":"Monday evening, March 2 is fine, and it gives you exactly two and a half weeks.","start":602.07,"end":608.71,"sentiment":"neutral","sentiment_score":0.26630410831421614},{"text":"Is that okay?","start":608.71,"end":609.27,"sentiment":"neutral","sentiment_score":0.2560798227787018},{"text":"Are you comfortable with that?","start":609.27,"end":610.73004,"sentiment":"neutral","sentiment_score":0.16868403553962708},{"text":"Week and a half.","start":618.125,"end":618.925,"sentiment":"neutral","sentiment_score":0.014147586654871702},{"text":"Sorry.","start":618.925,"end":619.405,"sentiment":"neutral","sentiment_score":-0.07165508717298508}],"sentiment":"neutral","sentiment_score":0.201981401327869,"num_words":29,"start":602.07,"end":619.405},{"sentences":[{"text":"A week and a half.","start":619.405,"end":620.205,"sentiment":"neutral","sentiment_score":0.008608045056462288},{"text":"Yeah.","start":620.205,"end":620.705,"sentiment":"neutral","sentiment_score":0.10588371753692628},{"text":"Yep.","start":635.66003,"end":636.16003,"sentiment":"neutral","sentiment_score":0.21962599456310272},{"text":"Okay.","start":649.995,"end":650.395,"sentiment":"neutral","sentiment_score":0.18874280154705048},{"text":"Done.","start":650.395,"end":650.79504,"sentiment":"neutral","sentiment_score":0.1864266991615295}],"sentiment":"neutral","sentiment_score":0.08263549312121338,"num_words":9,"start":619.405,"end":650.79504},{"sentences":[{"text":"I'm also booking my calendar so that I know you're going to call me on the 03/02/2006.","start":650.79504,"end":655.215,"sentiment":"neutral","sentiment_score":0.09632591793642324},{"text":"I'm putting in a six to seven blocking an hour out of your call.","start":655.35504,"end":660.07,"sentiment":"neutral","sentiment_score":-0.07606191214706216},{"text":"Okay.","start":660.20996,"end":660.70996,"sentiment":"neutral","sentiment_score":0.10099662095308304},{"text":"Done.","start":661.25,"end":661.75,"sentiment":"neutral","sentiment_score":0.14214979112148285},{"text":"So first thing, one item done and checked.","start":662.05,"end":664.87,"sentiment":"neutral","sentiment_score":0.05408138409256935}],"sentiment":"neutral","sentiment_score":0.03045051999208404,"num_words":41,"start":650.79504,"end":664.87},{"sentences":[{"text":"The next item is insurance.","start":665.00995,"end":666.79,"sentiment":"neutral","sentiment_score":0.031095027178525924},{"text":"Yes.","start":666.93,"end":667.43,"sentiment":"neutral","sentiment_score":0.10898634791374208},{"text":"Do you have the insurance policy from Neos open in front of you?","start":668.20996,"end":671.495,"sentiment":"neutral","sentiment_score":0.13553652052695936},{"text":"Yep.","start":687.9,"end":688.4,"sentiment":"neutral","sentiment_score":0.15888813138008118},{"text":"So see, what I'm looking at is my payment detail is around 4,500 on the policy.","start":688.46,"end":694.3,"sentiment":"neutral","sentiment_score":0.06717183999717236}],"sentiment":"neutral","sentiment_score":0.09055760616643561,"num_words":36,"start":665.00995,"end":694.3},{"sentences":[{"text":"Okay?","start":694.3,"end":694.8,"sentiment":"neutral","sentiment_score":0.0552121102809906},{"text":"That's the yearly premium.","start":695.82,"end":696.94,"sentiment":"neutral","sentiment_score":0.14480338245630264},{"text":"That's the new yearly premium, right, for the next year.","start":696.94,"end":700.08,"sentiment":"neutral","sentiment_score":0.21321982145309448},{"text":"And what is the rollover amount?","start":702.045,"end":703.885,"sentiment":"neutral","sentiment_score":0.03408212959766388},{"text":"It's a very small question, but what is the payment method rollover and rollover amount is 3,886?","start":703.885,"end":710.605,"sentiment":"neutral","sentiment_score":0.0027532563270891413}],"sentiment":"neutral","sentiment_score":0.07941899973114855,"num_words":38,"start":694.3,"end":710.605},{"sentences":[{"text":"What is the difference there?","start":710.605,"end":711.905,"sentiment":"neutral","sentiment_score":-0.02697993293404579},{"text":"Mhmm.","start":722.12006,"end":722.62006,"sentiment":"neutral","sentiment_score":0.08994854241609573},{"text":"Okay.","start":731.175,"end":731.675,"sentiment":"neutral","sentiment_score":0.07670149207115173},{"text":"Okay.","start":734.455,"end":734.855,"sentiment":"neutral","sentiment_score":0.07040413469076157},{"text":"So the super technician will pay ultimately $3.08 $8.6.95.","start":734.855,"end":738.935,"sentiment":"neutral","sentiment_score":0.0831313787235154}],"sentiment":"neutral","sentiment_score":0.05001981841290698,"num_words":17,"start":710.605,"end":738.935},{"sentences":[{"text":"Correct?","start":738.935,"end":739.435,"sentiment":"neutral","sentiment_score":0.07030655443668365},{"text":"Okay.","start":740.375,"end":740.855,"sentiment":"neutral","sentiment_score":0.09489051252603532},{"text":"Alright.","start":740.855,"end":741.335,"sentiment":"neutral","sentiment_score":0.1044520139694214},{"text":"So what I'm coming to is now we're going to the cover details.","start":741.335,"end":744.135,"sentiment":"neutral","sentiment_score":0.04547585747562922},{"text":"Alright?","start":744.135,"end":744.455,"sentiment":"neutral","sentiment_score":0.03000231646001339}],"sentiment":"neutral","sentiment_score":0.05240220850443139,"num_words":17,"start":738.935,"end":744.455},{"sentences":[{"text":"There's one that is for life cover.","start":744.455,"end":746.315,"sentiment":"neutral","sentiment_score":0.008773284764694316},{"text":"Alright?","start":751.72003,"end":752.22003,"sentiment":"neutral","sentiment_score":0.01473694946616888},{"text":"Got it.","start":754.04004,"end":755.56,"sentiment":"neutral","sentiment_score":0.018419386819005013},{"text":"Got it.","start":755.56,"end":755.80005,"sentiment":"neutral","sentiment_score":0.06981639005243778},{"text":"So I want to break that down now.","start":755.80005,"end":757.56,"sentiment":"neutral","sentiment_score":0.037048607133328915}],"sentiment":"neutral","sentiment_score":0.0274505176814273,"num_words":20,"start":744.455,"end":757.56},{"sentences":[{"text":"Okay.","start":757.56,"end":758.06,"sentiment":"neutral","sentiment_score":0.05921574681997299},{"text":"Now let's start with the bottom.","start":758.28,"end":762.365,"sentiment":"neutral","sentiment_score":0.0486145435522},{"text":"That is the income support cover.","start":762.425,"end":764.285,"sentiment":"neutral","sentiment_score":0.037527186796069145},{"text":"Now this income support cover, the benefit period is still $8.65, isn't it?","start":764.505,"end":769.705,"sentiment":"neutral","sentiment_score":0.03014910822877517},{"text":"Like nineteen or twenty years.","start":769.705,"end":771.325,"sentiment":"neutral","sentiment_score":0.020013836771249773}],"sentiment":"neutral","sentiment_score":0.03445399095935206,"num_words":31,"start":757.56,"end":771.325},{"sentences":[{"text":"Yep.","start":791.275,"end":791.775,"sentiment":"neutral","sentiment_score":0.15182501077651978},{"text":"Okay.","start":797.03503,"end":797.53503,"sentiment":"neutral","sentiment_score":0.09444528818130492},{"text":"So, generally, do people really cover themselves up for till 65?","start":797.755,"end":803.05505,"sentiment":"neutral","sentiment_score":-0.01887545328248631},{"text":"I know it's a very personal circumstance question, but I was like, do I really need a cover for till the age of 65 or should I be looking at a roll sorry, income support cover for a rolling five year period?","start":803.18,"end":816.39996,"sentiment":"neutral","sentiment_score":-0.11277063634423982},{"text":"So whenever I lose a job, I'm covered for the next five years.","start":816.815,"end":820.275,"sentiment":"neutral","sentiment_score":-0.17040876413767153}],"sentiment":"neutral","sentiment_score":-0.1016623580499607,"num_words":68,"start":791.275,"end":820.275},{"sentences":[{"text":"It should not take me five years to find a job, so kind of like that.","start":820.495,"end":824.175,"sentiment":"neutral","sentiment_score":-0.2762807561084628},{"text":"So will that bring the premium down?","start":824.175,"end":827.395,"sentiment":"neutral","sentiment_score":-0.01506364984171731},{"text":"Yeah.","start":889.01,"end":889.25,"sentiment":"neutral","sentiment_score":-0.08575421571731567},{"text":"Yeah.","start":889.25,"end":889.57,"sentiment":"neutral","sentiment_score":-0.06575634330511093},{"text":"Okay.","start":889.57,"end":889.89,"sentiment":"neutral","sentiment_score":-0.09539227932691574}],"sentiment":"neutral","sentiment_score":-0.18357078788372186,"num_words":26,"start":820.495,"end":889.89},{"sentences":[{"text":"So this but because it says special conditions loading and exclusions, it says no no claim shall be payable under the insured benefits whether condition of event or event giving rise to the claim results from any disease, condition or disorder or lumbar support, it's intervertebral discs, joints, no root spinal cord or supportive musculature or ligaments or any treatment surgery complications thereof.","start":889.89,"end":919.8,"sentiment":"neutral","sentiment_score":-0.17303246756394705},{"text":"So then what is the income?","start":920.02,"end":921.48,"sentiment":"neutral","sentiment_score":-0.08649535042544206},{"text":"What defines what am I going off my income for if it's an injury?","start":922.33997,"end":926.36,"sentiment":"neutral","sentiment_score":-0.10858989027994019},{"text":"Then if they've taken excluded all the main injuries out, then what's the point?","start":926.985,"end":932.125,"sentiment":"neutral","sentiment_score":-0.08562502637505531},{"text":"I don't have an injury.","start":960.285,"end":961.58496,"sentiment":"neutral","sentiment_score":-0.29854819774627683}],"sentiment":"neutral","sentiment_score":-0.1532526213821827,"num_words":102,"start":889.89,"end":961.58496},{"sentences":[{"text":"I don't know how this has come on record.","start":961.805,"end":963.745,"sentiment":"neutral","sentiment_score":-0.31718254420492387},{"text":"I don't have an injury.","start":964.045,"end":965.245,"sentiment":"neutral","sentiment_score":-0.32197134494781493},{"text":"What I was told was at that time, I used to go for whatever chiropractor.","start":965.245,"end":970.42,"sentiment":"neutral","sentiment_score":-0.11736896112561226},{"text":"Yeah.","start":970.96,"end":971.46,"sentiment":"neutral","sentiment_score":-0.03681015223264694},{"text":"And the exclusion of this thing was only for one year.","start":971.92,"end":975.68,"sentiment":"neutral","sentiment_score":-0.19013674557209015}],"sentiment":"neutral","sentiment_score":-0.2037402047071515,"num_words":41,"start":961.805,"end":975.68},{"sentences":[{"text":"This is my second year.","start":975.68,"end":977.14,"sentiment":"neutral","sentiment_score":-0.12222079336643218},{"text":"Right?","start":978.64,"end":979.04,"sentiment":"neutral","sentiment_score":-0.03271164372563362},{"text":"I I came on board on twenty four February.","start":979.04,"end":981.54,"sentiment":"neutral","sentiment_score":0.02992016573746999},{"text":"So this is my third year.","start":981.765,"end":983.125,"sentiment":"neutral","sentiment_score":0.014393720775842667},{"text":"So the third year is going to start from nineteenth March twenty twenty six.","start":983.125,"end":986.585,"sentiment":"neutral","sentiment_score":0.008499867149761744}],"sentiment":"neutral","sentiment_score":-0.004833532976252692,"num_words":35,"start":975.68,"end":986.585},{"sentences":[{"text":"And I was told that the exclusion I mean, this exclusion would be only for the first two years or something or first one year or something.","start":986.885,"end":993.385,"sentiment":"neutral","sentiment_score":-0.2628831339103204},{"text":"Why is it being carried forward?","start":993.525,"end":994.885,"sentiment":"negative","sentiment_score":-0.4540143708388011},{"text":"And that's where my confusion is.","start":994.885,"end":996.6,"sentiment":"negative","sentiment_score":-0.3875313252210617},{"text":"I'm I'm clearly yeah.","start":997.95996,"end":1000.45996,"sentiment":"neutral","sentiment_score":-0.2107730582356453},{"text":"Yeah.","start":1023.995,"end":1024.495,"sentiment":"neutral","sentiment_score":-0.052502457052469254}],"sentiment":"neutral","sentiment_score":-0.2964253064075654,"num_words":44,"start":986.885,"end":1024.495},{"sentences":[{"text":"No.","start":1027.5701,"end":1027.81,"sentiment":"neutral","sentiment_score":-0.22320695221424103},{"text":"But this is wrong.","start":1027.81,"end":1028.87,"sentiment":"neutral","sentiment_score":-0.24826432392001152},{"text":"Yeah.","start":1029.25,"end":1029.49,"sentiment":"neutral","sentiment_score":-0.09134584665298462},{"text":"You were you weren't there, Mikhail.","start":1029.49,"end":1031.01,"sentiment":"neutral","sentiment_score":-0.1356962832311789},{"text":"I understand you weren't there, but whoever was there told me that it'll be excluded after or it will be removed from these exclusions after a year if you don't go to the chiropractor.","start":1031.01,"end":1040.31,"sentiment":"neutral","sentiment_score":-0.20600668099873207}],"sentiment":"neutral","sentiment_score":-0.19839162930198337,"num_words":46,"start":1027.5701,"end":1040.31},{"sentences":[{"text":"And I have not been to the chiropractor in the whole of 2025 or '24 '24.","start":1040.37,"end":1046.1649,"sentiment":"neutral","sentiment_score":-0.17485813982784748},{"text":"I don't have any problems in my back.","start":1046.225,"end":1048.3049,"sentiment":"neutral","sentiment_score":-0.2236638143658638},{"text":"This is I I mean, otherwise, I need we need to find another insurer.","start":1048.3049,"end":1052.4049,"sentiment":"neutral","sentiment_score":-0.2065155261329242},{"text":"We need to reset.","start":1052.705,"end":1053.6849,"sentiment":"neutral","sentiment_score":-0.24026000127196312},{"text":"Yeah.","start":1079.115,"end":1079.355,"sentiment":"neutral","sentiment_score":-0.025341741740703583}],"sentiment":"neutral","sentiment_score":-0.1968520898805108,"num_words":43,"start":1040.37,"end":1079.355},{"sentences":[{"text":"We need to.","start":1079.355,"end":1080.255,"sentiment":"neutral","sentiment_score":-0.03656493996580442},{"text":"Yeah.","start":1081.115,"end":1081.435,"sentiment":"neutral","sentiment_score":-0.02405169792473316},{"text":"We need to because because this is so ridiculous.","start":1081.435,"end":1083.935,"sentiment":"negative","sentiment_score":-0.40618956089019775},{"text":"I went to the chiropractor for a tech neck.","start":1084.3099,"end":1086.73,"sentiment":"neutral","sentiment_score":-0.24073063168260786},{"text":"You know, tech neck tech neck is because of laptops.","start":1086.87,"end":1089.53,"sentiment":"neutral","sentiment_score":-0.11456750780344009}],"sentiment":"neutral","sentiment_score":-0.22192822903161868,"num_words":32,"start":1079.355,"end":1089.53},{"sentences":[{"text":"I went there for a neck thing.","start":1091.83,"end":1093.91,"sentiment":"neutral","sentiment_score":-0.11891106835433415},{"text":"I was never there for my spine or back thing.","start":1093.91,"end":1096.57,"sentiment":"neutral","sentiment_score":-0.25993375331163404},{"text":"I don't know how it got to record.","start":1096.7749,"end":1098.5549,"sentiment":"neutral","sentiment_score":-0.11935626342892647},{"text":"Possibly, but this is lumber.","start":1101.4149,"end":1102.9349,"sentiment":"neutral","sentiment_score":-0.06406893432140351},{"text":"They're going lumber is all lower back, isn't it?","start":1102.9349,"end":1105.6749,"sentiment":"neutral","sentiment_score":-0.05391921434137556}],"sentiment":"neutral","sentiment_score":-0.13313289024890998,"num_words":39,"start":1091.83,"end":1105.6749},{"sentences":[{"text":"Oh, no.","start":1108.215,"end":1108.955,"sentiment":"neutral","sentiment_score":-0.12108819931745529},{"text":"True.","start":1110.375,"end":1110.87,"sentiment":"neutral","sentiment_score":-0.06677553802728653},{"text":"Yep.","start":1112.71,"end":1113.21,"sentiment":"neutral","sentiment_score":0.097164124250412},{"text":"Yep.","start":1130.715,"end":1131.215,"sentiment":"neutral","sentiment_score":0.11841505765914916},{"text":"Yep.","start":1141.05,"end":1141.55,"sentiment":"neutral","sentiment_score":0.08768387883901596}],"sentiment":"neutral","sentiment_score":-0.0009481459856033348,"num_words":6,"start":1108.215,"end":1141.55},{"sentences":[{"text":"Yep.","start":1142.25,"end":1142.75,"sentiment":"neutral","sentiment_score":0.09206395596265791},{"text":"Yeah.","start":1146.25,"end":1146.57,"sentiment":"neutral","sentiment_score":0.08164886385202408},{"text":"Because because of these things, probably the premium is also bumping up a little bit is my assumption.","start":1146.57,"end":1150.91,"sentiment":"neutral","sentiment_score":0.008298106491565704},{"text":"Okay.","start":1154.475,"end":1154.975,"sentiment":"neutral","sentiment_score":-0.0036712046712636943},{"text":"Yeah.","start":1158.395,"end":1158.715,"sentiment":"neutral","sentiment_score":-0.000542796216905117}],"sentiment":"neutral","sentiment_score":0.01449385162612254,"num_words":22,"start":1142.25,"end":1158.715},{"sentences":[{"text":"Okay.","start":1158.715,"end":1159.215,"sentiment":"neutral","sentiment_score":0.03258213400840759},{"text":"In fact in fact, I just rode my bike to the office and back today.","start":1162.155,"end":1167.42,"sentiment":"neutral","sentiment_score":0.133971144258976},{"text":"Yeah.","start":1175.3201,"end":1175.8201,"sentiment":"neutral","sentiment_score":-0.012720098719000816},{"text":"Yeah.","start":1196.87,"end":1197.11,"sentiment":"neutral","sentiment_score":0.05614161491394043},{"text":"Exactly.","start":1197.11,"end":1197.61,"sentiment":"neutral","sentiment_score":0.146712526679039}],"sentiment":"neutral","sentiment_score":0.11748859688247505,"num_words":19,"start":1158.715,"end":1197.61},{"sentences":[{"text":"If yours is difficult being acting difficult, then I'm happy to move on to someone else with someone else.","start":1197.75,"end":1203.6901,"sentiment":"neutral","sentiment_score":-0.06402114347407692},{"text":"Yeah.","start":1216.955,"end":1217.455,"sentiment":"neutral","sentiment_score":0.23369789123535156},{"text":"Yep.","start":1233.59,"end":1234.09,"sentiment":"neutral","sentiment_score":0.058166857808828354},{"text":"Nope.","start":1249.165,"end":1249.62,"sentiment":"neutral","sentiment_score":-0.03394365310668945},{"text":"No travel.","start":1251.78,"end":1252.6,"sentiment":"neutral","sentiment_score":-0.05949394404888153}],"sentiment":"neutral","sentiment_score":-0.044894521590322256,"num_words":24,"start":1197.75,"end":1252.6},{"sentences":[{"text":"No travel in my work profile.","start":1252.66,"end":1254.2,"sentiment":"neutral","sentiment_score":-0.09402363374829292},{"text":"Yeah.","start":1284.64,"end":1285.14,"sentiment":"neutral","sentiment_score":-0.003262151964008808},{"text":"Well, I can't guarantee that, but it's casual casual.","start":1285.68,"end":1292.085,"sentiment":"neutral","sentiment_score":-0.03257551592671209},{"text":"Yeah.","start":1292.225,"end":1292.725,"sentiment":"neutral","sentiment_score":0.02405228093266487},{"text":"Yeah.","start":1306.05,"end":1306.55,"sentiment":"neutral","sentiment_score":-0.07771007716655731}],"sentiment":"neutral","sentiment_score":-0.05079118855711487,"num_words":18,"start":1252.66,"end":1306.55},{"sentences":[{"text":"Yep.","start":1334.79,"end":1335.29,"sentiment":"neutral","sentiment_score":0.054738640785217285},{"text":"No changes to the score.","start":1336.47,"end":1337.9299,"sentiment":"neutral","sentiment_score":-0.008316463977098464},{"text":"Well, I can't guarantee that.","start":1345.755,"end":1347.0349,"sentiment":"neutral","sentiment_score":-0.17762936651706696},{"text":"It can happen because my family stays overseas.","start":1347.0349,"end":1349.615,"sentiment":"neutral","sentiment_score":-0.171521358191967},{"text":"So Yeah.","start":1349.755,"end":1351.375,"sentiment":"neutral","sentiment_score":-0.03504645172506571}],"sentiment":"neutral","sentiment_score":-0.11034544193673701,"num_words":21,"start":1334.79,"end":1351.375},{"sentences":[{"text":"No.","start":1353.115,"end":1353.615,"sentiment":"neutral","sentiment_score":-0.04380054026842117},{"text":"No.","start":1354.1901,"end":1354.6901,"sentiment":"neutral","sentiment_score":-0.1831091046333313},{"text":"No.","start":1376.9451,"end":1377.4451,"sentiment":"neutral","sentiment_score":-0.15859463810920715},{"text":"Sorry.","start":1382.1901,"end":1382.35,"sentiment":"neutral","sentiment_score":-0.14371910691261292},{"text":"What is it?","start":1382.35,"end":1386.8401,"sentiment":"neutral","sentiment_score":-0.11402617891629536}],"sentiment":"neutral","sentiment_score":-0.12447170381035123,"num_words":7,"start":1353.115,"end":1386.8401},{"sentences":[{"text":"Yeah.","start":1386.8401,"end":1387.3401,"sentiment":"neutral","sentiment_score":0.02880581095814705},{"text":"Yes.","start":1398.3049,"end":1398.8049,"sentiment":"neutral","sentiment_score":0.010572817176580427},{"text":"I wouldn't remember that, mate.","start":1407.0399,"end":1408.6599,"sentiment":"neutral","sentiment_score":-0.08735280483961105},{"text":"What is the what is the answer that I've given last time?","start":1409.6799,"end":1412.8999,"sentiment":"neutral","sentiment_score":-0.034943348417679466},{"text":"Is the one that I stick to.","start":1413.52,"end":1415.2,"sentiment":"neutral","sentiment_score":-0.04119725658425263}],"sentiment":"neutral","sentiment_score":-0.0425033220448173,"num_words":26,"start":1386.8401,"end":1415.2},{"sentences":[{"text":"Yeah.","start":1415.2,"end":1415.7,"sentiment":"neutral","sentiment_score":-0.021619396284222603},{"text":"Yeah.","start":1424.285,"end":1424.6849,"sentiment":"neutral","sentiment_score":0.01418464444577694},{"text":"So let me find what was the chiropractor's name?","start":1424.6849,"end":1428.865,"sentiment":"neutral","sentiment_score":0.016447573486301634},{"text":"I can I can find the receipt send the earliest receipt for platinum?","start":1434.49,"end":1443.15,"sentiment":"neutral","sentiment_score":0.02985850263100404},{"text":"Yeah.","start":1449.525,"end":1449.765,"sentiment":"neutral","sentiment_score":0.04320511594414711}],"sentiment":"neutral","sentiment_score":0.022878362387418746,"num_words":25,"start":1415.2,"end":1449.765},{"sentences":[{"text":"Exactly.","start":1449.765,"end":1450.245,"sentiment":"neutral","sentiment_score":0.04509714990854263},{"text":"That's what I'm trying to find in my mail.","start":1450.245,"end":1454.585,"sentiment":"neutral","sentiment_score":-0.024580003486739263},{"text":"Yeah.","start":1455.125,"end":1455.625,"sentiment":"neutral","sentiment_score":-0.06750748306512833},{"text":"Yes.","start":1463.5199,"end":1464.0,"sentiment":"neutral","sentiment_score":-0.10966341942548752},{"text":"Stiffness in my neck because of the laptops.","start":1464.0,"end":1466.6599,"sentiment":"negative","sentiment_score":-0.429641455411911}],"sentiment":"neutral","sentiment_score":-0.18952127136290073,"num_words":20,"start":1449.765,"end":1466.6599},{"sentences":[{"text":"Oh, no.","start":1482.005,"end":1482.405,"sentiment":"neutral","sentiment_score":-0.30062544345855713},{"text":"It was it was mild, but it was just nagging.","start":1482.405,"end":1486.3451,"sentiment":"negative","sentiment_score":-0.4220239132642746},{"text":"You know?","start":1486.405,"end":1487.0651,"sentiment":"neutral","sentiment_score":-0.23323645442724228},{"text":"So over a period of time before it could really get really severe is when I started going to the chiropractor to get it fixed.","start":1487.285,"end":1496.63,"sentiment":"neutral","sentiment_score":-0.190216503739357},{"text":"Yes.","start":1512.065,"end":1512.565,"sentiment":"neutral","sentiment_score":-0.030942682176828384}],"sentiment":"neutral","sentiment_score":-0.2518579551018775,"num_words":40,"start":1482.005,"end":1512.565},{"sentences":[{"text":"Before it multiplies or becomes into bigger problem, I need to see someone and get some something done, exercises, whatnot.","start":1513.1849,"end":1522.5499,"sentiment":"neutral","sentiment_score":-0.18450356759130954},{"text":"So the chiropractor suggested exercises and would what do they call it?","start":1523.09,"end":1528.47,"sentiment":"neutral","sentiment_score":0.004755354796846707},{"text":"Adjustment.","start":1529.97,"end":1530.47,"sentiment":"neutral","sentiment_score":-0.04762207716703415},{"text":"Who would call me for an adjustment once a month?","start":1530.61,"end":1532.745,"sentiment":"neutral","sentiment_score":-0.018141246773302554},{"text":"Well, it's it always starts with two or three sessions in the month for the first few months, and then it slows down to once a fortnight.","start":1544.505,"end":1553.61,"sentiment":"neutral","sentiment_score":0.0036842933407536258}],"sentiment":"neutral","sentiment_score":-0.053750938842339176,"num_words":70,"start":1513.1849,"end":1553.61},{"sentences":[{"text":"It tapers down to once a fortnight to once a month.","start":1553.8301,"end":1556.73,"sentiment":"neutral","sentiment_score":0.00003561330959200859},{"text":"So I went there from the month just a second.","start":1558.885,"end":1568.185,"sentiment":"neutral","sentiment_score":0.006192903406918049},{"text":"2023.","start":1568.5651,"end":1569.685,"sentiment":"neutral","sentiment_score":0.008664577268064022},{"text":"So from May 2023, and until April 2024.","start":1569.685,"end":1580.8301,"sentiment":"neutral","sentiment_score":0.01783468876965344},{"text":"However, it does sound for a full year, but it wasn't that many adjustments.","start":1580.83,"end":1586.77,"sentiment":"neutral","sentiment_score":-0.001474586980683462}],"sentiment":"neutral","sentiment_score":0.004386787503873083,"num_words":44,"start":1553.8301,"end":1586.77},{"sentences":[{"text":"It was starting adjustments were weekly, and then it moved to fortnightly, and then it tapered down to monthly.","start":1588.0851,"end":1595.0651,"sentiment":"neutral","sentiment_score":-0.025316652106611354},{"text":"Fortnightly, and then it was only about six or seven adjustments for the rest of the year.","start":1603.02,"end":1609.2001,"sentiment":"neutral","sentiment_score":0.035551810198846984},{"text":"April 24, then I have a invoice for March 24, then an invoice for there are two months in the middle that I he did not ask me to come.","start":1616.1749,"end":1626.6549,"sentiment":"neutral","sentiment_score":0.05688303311665853},{"text":"Everything was good.","start":1626.6549,"end":1627.715,"sentiment":"positive","sentiment_score":0.4397593637307485},{"text":"Uh-huh.","start":1628.735,"end":1628.975,"sentiment":"neutral","sentiment_score":0.06420918554067612}],"sentiment":"neutral","sentiment_score":0.045904895051249436,"num_words":70,"start":1588.0851,"end":1628.975},{"sentences":[{"text":"So then I have twenty fourth November.","start":1628.975,"end":1631.3201,"sentiment":"neutral","sentiment_score":0.04367601498961449},{"text":"Then oh, interesting.","start":1635.4601,"end":1639.16,"sentiment":"neutral","sentiment_score":0.014265750845273336},{"text":"It wasn't that yeah.","start":1639.54,"end":1641.56,"sentiment":"neutral","sentiment_score":-0.02873815270140767},{"text":"Yeah.","start":1641.62,"end":1641.78,"sentiment":"neutral","sentiment_score":0.009854977950453758},{"text":"Yeah.","start":1641.78,"end":1642.1,"sentiment":"neutral","sentiment_score":0.016290366649627686}],"sentiment":"neutral","sentiment_score":0.01623263070359826,"num_words":16,"start":1628.975,"end":1642.1},{"sentences":[{"text":"Yeah.","start":1642.1,"end":1642.485,"sentiment":"neutral","sentiment_score":0.011623144149780272},{"text":"So it was monthly till about sorry.","start":1642.8049,"end":1648.405,"sentiment":"neutral","sentiment_score":-0.0038271721984658924},{"text":"Weekly till about for about first three 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yeah.","start":1711.7999,"end":1712.52,"sentiment":"neutral","sentiment_score":-0.05794280767440796},{"text":"Exactly.","start":1712.52,"end":1712.76,"sentiment":"neutral","sentiment_score":-0.05728691816329956}],"sentiment":"neutral","sentiment_score":0.126309460745408,"num_words":13,"start":1660.3201,"end":1712.76},{"sentences":[{"text":"I mean, things happen to people.","start":1712.76,"end":1714.36,"sentiment":"neutral","sentiment_score":-0.1156437819202741},{"text":"Right?","start":1714.36,"end":1714.86,"sentiment":"neutral","sentiment_score":-0.06215836852788925},{"text":"I mean, someone might have a knee pain, someone has a back pain, someone has a joint pain, and it is everyone's evolving, everyone's aging, everyone's growing in their ages, things will happen that I don't understand that they're being too strict about this.","start":1715.24,"end":1733.795,"sentiment":"neutral","sentiment_score":-0.23023789799348873},{"text":"I understand.","start":1750.815,"end":1751.475,"sentiment":"neutral","sentiment_score":-0.0529569610953331},{"text":"Yeah.","start":1754.815,"end":1755.315,"sentiment":"neutral","sentiment_score":0.007366687059402466}],"sentiment":"neutral","sentiment_score":-0.20342658901656116,"num_words":54,"start":1712.76,"end":1755.315},{"sentences":[{"text":"Yeah.","start":1758.6549,"end":1759.1549,"sentiment":"neutral","sentiment_score":-0.00922473706305027},{"text":"About which one?","start":1759.9349,"end":1760.575,"sentiment":"neutral","sentiment_score":-0.046005467573801674},{"text":"What recovery?","start":1760.575,"end":1761.315,"sentiment":"neutral","sentiment_score":-0.04964405857026577},{"text":"Yes.","start":1769.52,"end":1769.84,"sentiment":"positive","sentiment_score":0.33755016326904297},{"text":"100% fine.","start":1769.84,"end":1771.0599,"sentiment":"positive","sentiment_score":0.4987664073705673}],"sentiment":"neutral","sentiment_score":0.12095041345391008,"num_words":9,"start":1758.6549,"end":1771.0599},{"sentences":[{"text":"For I mean, when the chiropractor starts, they always work with X rays.","start":1776.32,"end":1779.795,"sentiment":"neutral","sentiment_score":-0.007270963361056952},{"text":"They do not start without X rays.","start":1779.795,"end":1782.135,"sentiment":"neutral","sentiment_score":-0.02393452636897564},{"text":"No.","start":1788.5951,"end":1789.0951,"sentiment":"neutral","sentiment_score":-0.13611240684986117},{"text":"I mean, surgery wise or something.","start":1789.795,"end":1791.635,"sentiment":"neutral","sentiment_score":-0.12799606348077455},{"text":"No.","start":1791.635,"end":1792.135,"sentiment":"neutral","sentiment_score":-0.07297360897064209}],"sentiment":"neutral","sentiment_score":-0.044254521606490016,"num_words":28,"start":1776.32,"end":1792.135},{"sentences":[{"text":"If that is what you are leading to.","start":1792.755,"end":1794.435,"sentiment":"neutral","sentiment_score":-0.006543393945321441},{"text":"Yeah.","start":1794.435,"end":1794.66,"sentiment":"neutral","sentiment_score":0.03705906867980957},{"text":"No.","start":1821.02,"end":1821.52,"sentiment":"neutral","sentiment_score":-0.08968014270067215},{"text":"Nope.","start":1826.14,"end":1826.64,"sentiment":"neutral","sentiment_score":0.03050512634217739},{"text":"Yeah.","start":1861.655,"end":1861.975,"sentiment":"neutral","sentiment_score":-0.04234686866402626}],"sentiment":"neutral","sentiment_score":-0.009734163992106915,"num_words":12,"start":1792.755,"end":1861.975},{"sentences":[{"text":"Yeah.","start":1861.975,"end":1862.375,"sentiment":"neutral","sentiment_score":-0.056289516389369965},{"text":"So, see, income protection was one thing.","start":1862.375,"end":1865.4349,"sentiment":"neutral","sentiment_score":-0.15418565379721777},{"text":"I'm not sure if I really want, the income protection, for that long.","start":1865.575,"end":1871.175,"sentiment":"neutral","sentiment_score":-0.2964952840254857},{"text":"I I was thinking that his income support cover, you know, unfortunately, did not explain what the income support cover really means.","start":1871.175,"end":1881.58,"sentiment":"neutral","sentiment_score":-0.32739451324397867},{"text":"They have they have correct explanations where it is inclusions and loadings, but it is not they will not explain when is the income.","start":1881.88,"end":1890.365,"sentiment":"neutral","sentiment_score":-0.08945650653913617}],"sentiment":"neutral","sentiment_score":-0.21402482438220907,"num_words":67,"start":1861.975,"end":1890.365},{"sentences":[{"text":"Yeah.","start":1891.145,"end":1891.645,"sentiment":"neutral","sentiment_score":0.02597983181476593},{"text":"Yeah.","start":1892.8251,"end":1893.3251,"sentiment":"neutral","sentiment_score":0.00430714339017868},{"text":"Yeah.","start":1898.985,"end":1899.485,"sentiment":"neutral","sentiment_score":-0.05551043152809143},{"text":"Yeah.","start":1900.025,"end":1900.525,"sentiment":"neutral","sentiment_score":0.008556310087442398},{"text":"Yes.","start":1900.5851,"end":1900.92,"sentiment":"neutral","sentiment_score":0.11926990002393724}],"sentiment":"neutral","sentiment_score":0.020520550757646562,"num_words":5,"start":1891.145,"end":1900.92},{"sentences":[{"text":"I have.","start":1901.16,"end":1901.8201,"sentiment":"neutral","sentiment_score":0.1327415034174919},{"text":"But is there any way that I can lower that premium, which means I have to lower the sum insured is what I understand.","start":1902.04,"end":1908.2201,"sentiment":"neutral","sentiment_score":0.014549183969696363},{"text":"Oh, and I cannot revisit this in after the sixth I mean, the starting of the sixth year and say, okay.","start":1932.95,"end":1938.39,"sentiment":"negative","sentiment_score":-0.3605441805862245},{"text":"Roll it for another five.","start":1938.39,"end":1939.77,"sentiment":"negative","sentiment_score":-0.3705290138721466},{"text":"I can't.","start":1940.07,"end":1940.625,"sentiment":"negative","sentiment_score":-0.3572545647621155}],"sentiment":"neutral","sentiment_score":-0.1763688623905182,"num_words":54,"start":1901.16,"end":1940.625},{"sentences":[{"text":"Right?","start":1940.945,"end":1941.445,"sentiment":"neutral","sentiment_score":-0.14417196810245514},{"text":"Yeah.","start":1951.425,"end":1951.665,"sentiment":"neutral","sentiment_score":-0.0653773620724678},{"text":"I mean, for the cover only for the cover.","start":1951.665,"end":1953.505,"sentiment":"neutral","sentiment_score":-0.09281507134437561},{"text":"Let's say I start in '26.","start":1953.505,"end":1955.16,"sentiment":"neutral","sentiment_score":-0.02479547479500373},{"text":"So '20 '6, '27, '28, '29, and '30, the five years, I'm in I'm covered for the support, you know, income support cover.","start":1955.64,"end":1963.42,"sentiment":"neutral","sentiment_score":-0.06765628930019296}],"sentiment":"neutral","sentiment_score":-0.0687438118737191,"num_words":40,"start":1940.945,"end":1963.42},{"sentences":[{"text":"And in '31, it is not there on my policy.","start":1963.56,"end":1966.28,"sentiment":"neutral","sentiment_score":-0.22115312814712523},{"text":"And then I can I ask for another five years later on if I have not claimed them anyway?","start":1966.28,"end":1971.165,"sentiment":"neutral","sentiment_score":-0.1305514079959769},{"text":"Yep.","start":2020.705,"end":2021.205,"sentiment":"neutral","sentiment_score":0.07386893033981323},{"text":"Yeah.","start":2046.385,"end":2046.785,"sentiment":"neutral","sentiment_score":-0.01741815358400345},{"text":"Yeah.","start":2046.785,"end":2046.865,"sentiment":"neutral","sentiment_score":-0.04097483307123184}],"sentiment":"neutral","sentiment_score":-0.14614162780344486,"num_words":32,"start":1963.56,"end":2046.865},{"sentences":[{"text":"Yeah.","start":2046.865,"end":2046.945,"sentiment":"neutral","sentiment_score":-0.061281703412532806},{"text":"Alright.","start":2046.945,"end":2047.445,"sentiment":"neutral","sentiment_score":-0.0650503858923912},{"text":"Yep.","start":2057.425,"end":2057.665,"sentiment":"neutral","sentiment_score":0.03918011114001274},{"text":"Yep.","start":2057.665,"end":2058.165,"sentiment":"neutral","sentiment_score":0.053217824548482895},{"text":"Alright.","start":2058.225,"end":2058.725,"sentiment":"neutral","sentiment_score":0.09560193866491318}],"sentiment":"neutral","sentiment_score":0.01233355700969696,"num_words":5,"start":2046.865,"end":2058.725},{"sentences":[{"text":"So let's move on.","start":2058.8901,"end":2059.77,"sentiment":"neutral","sentiment_score":0.08126594685018063},{"text":"I'll leave the income protection as is.","start":2059.77,"end":2061.71,"sentiment":"neutral","sentiment_score":0.05153383953230722},{"text":"It has an in some insured of $8.09 $7.03.","start":2063.37,"end":2066.75,"sentiment":"neutral","sentiment_score":0.022442194529705577},{"text":"Is that the amount in such a claim in such case of a claim, $8.09 $7.03 is the four months sub insured?","start":2066.81,"end":2073.1501,"sentiment":"neutral","sentiment_score":0.05065461298958822},{"text":"Yep.","start":2082.9348,"end":2083.1748,"sentiment":"neutral","sentiment_score":0.06681904196739197}],"sentiment":"neutral","sentiment_score":0.04811630099145479,"num_words":43,"start":2058.8901,"end":2083.1748},{"sentences":[{"text":"Yeah.","start":2083.1748,"end":2083.4148,"sentiment":"neutral","sentiment_score":0.09746713936328888},{"text":"Okay.","start":2083.4148,"end":2083.9148,"sentiment":"neutral","sentiment_score":0.020280882716178898},{"text":"So how is that number derived?","start":2084.1348,"end":2087.6548,"sentiment":"neutral","sentiment_score":-0.00919015302012364},{"text":"Is it derived because it's such an odd number, $8.09 $7.03?","start":2087.6548,"end":2090.99,"sentiment":"neutral","sentiment_score":-0.048263953321359375},{"text":"Oh, okay.","start":2100.73,"end":2101.3901,"sentiment":"neutral","sentiment_score":0.2079588994383812}],"sentiment":"neutral","sentiment_score":-0.0024942182714030856,"num_words":21,"start":2083.1748,"end":2101.3901},{"sentences":[{"text":"Alright.","start":2169.335,"end":2169.835,"sentiment":"neutral","sentiment_score":-0.08008261770009995},{"text":"Okay.","start":2170.055,"end":2170.455,"sentiment":"neutral","sentiment_score":-0.08262264728546143},{"text":"So there's not much that we can do for the income support cover.","start":2170.455,"end":2173.62,"sentiment":"neutral","sentiment_score":-0.31392152263567996},{"text":"Alright.","start":2173.9402,"end":2174.1802,"sentiment":"neutral","sentiment_score":-0.015275448560714722},{"text":"And so let's move on to that.","start":2174.1802,"end":2176.6,"sentiment":"neutral","sentiment_score":0.029440201286758696}],"sentiment":"neutral","sentiment_score":-0.17621213473055675,"num_words":23,"start":2169.335,"end":2176.6},{"sentences":[{"text":"No.","start":2179.9402,"end":2180.26,"sentiment":"negative","sentiment_score":-0.3421424627304077},{"text":"I'll just leave it because, see, even if it is a five year benefit, it's still going to charge they're still going to charge me some amount on the policy.","start":2180.26,"end":2186.58,"sentiment":"neutral","sentiment_score":-0.2875971292455991},{"text":"Right?","start":2186.58,"end":2187.08,"sentiment":"neutral","sentiment_score":-0.09632904082536696},{"text":"Yeah.","start":2189.7249,"end":2190.2249,"sentiment":"neutral","sentiment_score":-0.017869507893919945},{"text":"Right.","start":2199.9648,"end":2200.4648,"sentiment":"neutral","sentiment_score":0.051154859364032745}],"sentiment":"neutral","sentiment_score":-0.26567941263098926,"num_words":34,"start":2179.9402,"end":2200.4648},{"sentences":[{"text":"Yeah.","start":2201.005,"end":2201.2449,"sentiment":"neutral","sentiment_score":0.054624445736408234},{"text":"No.","start":2201.2449,"end":2201.4849,"sentiment":"neutral","sentiment_score":-0.11874151974916458},{"text":"I'll leave it then.","start":2201.4849,"end":2202.205,"sentiment":"neutral","sentiment_score":-0.07517726812511683},{"text":"I'll leave it the way it is because it gives me some relief that I am covered because of an accident or whatever, right, in such cases.","start":2202.205,"end":2208.1,"sentiment":"neutral","sentiment_score":0.13026955282246624},{"text":"50 five.","start":2208.1,"end":2211.7202,"sentiment":"neutral","sentiment_score":-0.024418994784355164}],"sentiment":"neutral","sentiment_score":0.08867467971784727,"num_words":35,"start":2201.005,"end":2211.7202},{"sentences":[{"text":"Correct.","start":2218.455,"end":2218.5352,"sentiment":"neutral","sentiment_score":-0.05659956485033035},{"text":"Exactly.","start":2218.5352,"end":2219.0352,"sentiment":"neutral","sentiment_score":-0.018915412947535515},{"text":"And this insurance cover will definitely cease after I am retired.","start":2219.3352,"end":2224.875,"sentiment":"neutral","sentiment_score":-0.30087103830142453},{"text":"Yeah.","start":2241.9902,"end":2242.31,"sentiment":"neutral","sentiment_score":0.0009508542716503144},{"text":"Exactly.","start":2242.31,"end":2242.81,"sentiment":"neutral","sentiment_score":0.018834926187992096}],"sentiment":"neutral","sentiment_score":-0.2243540412435929,"num_words":15,"start":2218.455,"end":2242.81},{"sentences":[{"text":"Exactly.","start":2243.03,"end":2243.53,"sentiment":"neutral","sentiment_score":0.051140859723091125},{"text":"Alright.","start":2243.83,"end":2244.33,"sentiment":"neutral","sentiment_score":0.12042861431837082},{"text":"So then that's settled.","start":2244.4702,"end":2245.59,"sentiment":"neutral","sentiment_score":0.12273369543254375},{"text":"Let's move on to the attached TBT cover and life cover.","start":2245.59,"end":2248.305,"sentiment":"neutral","sentiment_score":0.06079619885845618},{"text":"I just want to bring the sum assured down to 1.5.","start":2248.865,"end":2251.925,"sentiment":"neutral","sentiment_score":0.11086899719455025}],"sentiment":"neutral","sentiment_score":0.09110076472695385,"num_words":28,"start":2243.03,"end":2251.925},{"sentences":[{"text":"Yeah.","start":2256.385,"end":2256.885,"sentiment":"neutral","sentiment_score":0.03692128881812096},{"text":"Let's break that down and bring it down.","start":2257.1848,"end":2258.7048,"sentiment":"neutral","sentiment_score":0.04954554978758097},{"text":"There's no point going for one point eight.","start":2258.7048,"end":2273.46,"sentiment":"neutral","sentiment_score":-0.070888745598495},{"text":"Yep.","start":2275.4402,"end":2275.635,"sentiment":"neutral","sentiment_score":0.22716385126113892},{"text":"Yep.","start":2292.05,"end":2292.55,"sentiment":"neutral","sentiment_score":0.19720867276191711}],"sentiment":"neutral","sentiment_score":0.015292012965992877,"num_words":19,"start":2256.385,"end":2292.55},{"sentences":[{"text":"Alright.","start":2294.05,"end":2294.55,"sentiment":"neutral","sentiment_score":0.23126208782196045},{"text":"So let's stick to that.","start":2294.77,"end":2296.87,"sentiment":"neutral","sentiment_score":0.16988897919654847},{"text":"Let's get it revised to 1.5.","start":2297.33,"end":2299.9902,"sentiment":"neutral","sentiment_score":0.13685334225495657},{"text":"And I definitely want to if if I I don't know if I'm allowed to ask for this, but I definitely want to look at another insurer and see if the premiums are competitive.","start":2300.53,"end":2316.585,"sentiment":"neutral","sentiment_score":-0.010318410089787315},{"text":"Yep.","start":2367.205,"end":2367.57,"sentiment":"neutral","sentiment_score":0.1866617500782013}],"sentiment":"neutral","sentiment_score":0.03697154987999733,"num_words":47,"start":2294.05,"end":2367.57},{"sentences":[{"text":"Nope.","start":2375.25,"end":2375.75,"sentiment":"neutral","sentiment_score":-0.006802099756896496},{"text":"So only one question now.","start":2376.85,"end":2378.31,"sentiment":"neutral","sentiment_score":-0.008445383608341217},{"text":"You will work with getting the price.","start":2379.4102,"end":2382.0151,"sentiment":"neutral","sentiment_score":0.1499285719224385},{"text":"There's some insured for life cover and TPD to 1.5.","start":2382.315,"end":2386.735,"sentiment":"neutral","sentiment_score":0.1384413242340088},{"text":"That will take effect on the next policy.","start":2388.315,"end":2390.335,"sentiment":"neutral","sentiment_score":0.25702650658786297}],"sentiment":"neutral","sentiment_score":0.14326117034520833,"num_words":31,"start":2375.25,"end":2390.335},{"sentences":[{"text":"Will you be also finding an, I mean, a competitor for me or now or not?","start":2391.115,"end":2398.37,"sentiment":"neutral","sentiment_score":-0.05020000343210995},{"text":"Is that an action item or not is my question.","start":2398.37,"end":2401.19,"sentiment":"neutral","sentiment_score":-0.03967195674777031},{"text":"Yep.","start":2423.6602,"end":2424.1602,"sentiment":"neutral","sentiment_score":0.07282713055610657},{"text":"Mhmm.","start":2424.54,"end":2425.04,"sentiment":"neutral","sentiment_score":-0.004338722676038742},{"text":"I see.","start":2461.955,"end":2462.5151,"sentiment":"neutral","sentiment_score":0.14277736842632294}],"sentiment":"neutral","sentiment_score":-0.028195882588624953,"num_words":30,"start":2391.115,"end":2462.5151},{"sentences":[{"text":"I want to I definitely want to yes.","start":2462.5151,"end":2467.815,"sentiment":"neutral","sentiment_score":0.3009229777380824},{"text":"Yes.","start":2475.67,"end":2475.99,"sentiment":"neutral","sentiment_score":0.127485990524292},{"text":"So this quote has to be or the reduction on this quote has to happen first because nineteenth March, whenever they charge by super, I'd want them to charge the lesser amount for 1,500,000.0.","start":2475.99,"end":2486.9548,"sentiment":"neutral","sentiment_score":0.0680842216071837},{"text":"Alright?","start":2486.9548,"end":2487.4548,"sentiment":"neutral","sentiment_score":0.08630549907684326},{"text":"That's how I'm insured.","start":2488.075,"end":2488.9749,"sentiment":"neutral","sentiment_score":0.08641902729868889}],"sentiment":"neutral","sentiment_score":0.11003572823634993,"num_words":48,"start":2462.5151,"end":2488.9749},{"sentences":[{"text":"Yeah.","start":2498.04,"end":2498.54,"sentiment":"neutral","sentiment_score":0.06364452093839645},{"text":"Yeah.","start":2504.44,"end":2504.6,"sentiment":"neutral","sentiment_score":0.026783213019371033},{"text":"It is prorated.","start":2504.6,"end":2505.5,"sentiment":"neutral","sentiment_score":0.028769207497437794},{"text":"So, yeah, I'm fine with that.","start":2505.6401,"end":2507.32,"sentiment":"neutral","sentiment_score":0.08496242885788281},{"text":"But since we've got time, we've got the whole month, today is what the eighteenth.","start":2507.32,"end":2511.5652,"sentiment":"neutral","sentiment_score":0.013466244811813037}],"sentiment":"neutral","sentiment_score":0.03417321545286821,"num_words":26,"start":2498.04,"end":2511.5652},{"sentences":[{"text":"Right?","start":2511.5652,"end":2512.0652,"sentiment":"neutral","sentiment_score":0.04369224235415459},{"text":"And precisely, we've got the whole month.","start":2512.205,"end":2514.865,"sentiment":"neutral","sentiment_score":0.042313673134361},{"text":"Why not get that quote created or, I mean, expedited?","start":2515.0051,"end":2521.425,"sentiment":"neutral","sentiment_score":0.031575456634163855},{"text":"Yeah.","start":2521.725,"end":2522.125,"sentiment":"neutral","sentiment_score":0.1947021037340164},{"text":"Yeah.","start":2522.125,"end":2522.365,"sentiment":"neutral","sentiment_score":0.16499724984169006}],"sentiment":"neutral","sentiment_score":0.05076709371060133,"num_words":20,"start":2511.5652,"end":2522.365},{"sentences":[{"text":"Yeah.","start":2522.365,"end":2522.5251,"sentiment":"neutral","sentiment_score":0.1408161818981171},{"text":"Yeah.","start":2522.5251,"end":2523.0251,"sentiment":"neutral","sentiment_score":0.12635061144828796},{"text":"Right?","start":2523.645,"end":2524.145,"sentiment":"neutral","sentiment_score":-0.14327944815158844},{"text":"And then get a comparison also.","start":2524.205,"end":2526.0652,"sentiment":"neutral","sentiment_score":0.024722519020239513},{"text":"So before the nineteenth, I would like to see if there's a comparison available.","start":2526.5798,"end":2530.3599,"sentiment":"neutral","sentiment_score":0.06316531978414527}],"sentiment":"neutral","sentiment_score":0.050284214621490755,"num_words":23,"start":2522.365,"end":2530.3599},{"sentences":[{"text":"And if there's a comparison available, I would like to take a decision.","start":2530.66,"end":2533.64,"sentiment":"neutral","sentiment_score":0.14496567788032386},{"text":"Yeah.","start":2533.78,"end":2534.28,"sentiment":"neutral","sentiment_score":0.23902037739753723},{"text":"Yes.","start":2600.375,"end":2600.875,"sentiment":"neutral","sentiment_score":0.24484355747699735},{"text":"Precisely.","start":2600.935,"end":2601.435,"sentiment":"positive","sentiment_score":0.3424306809902191},{"text":"With all the truck buses in mind and those numbers put down on paper for me, I think 1.5 is the right sum.","start":2602.055,"end":2610.315,"sentiment":"neutral","sentiment_score":0.24066514489443405}],"sentiment":"neutral","sentiment_score":0.2114396605354089,"num_words":39,"start":2530.66,"end":2610.315},{"sentences":[{"text":"There's no point going that far with 1.8.","start":2610.535,"end":2612.91,"sentiment":"neutral","sentiment_score":-0.04763548378832638},{"text":"Yep.","start":2624.27,"end":2624.77,"sentiment":"neutral","sentiment_score":0.18474584817886353},{"text":"Yep.","start":2624.8298,"end":2625.3298,"sentiment":"neutral","sentiment_score":0.19801300764083865},{"text":"Nope.","start":2631.495,"end":2631.655,"sentiment":"neutral","sentiment_score":-0.01373296044766903},{"text":"That's it.","start":2631.655,"end":2632.475,"sentiment":"neutral","sentiment_score":0.05521828681230545}],"sentiment":"neutral","sentiment_score":0.007567584514617922,"num_words":13,"start":2610.535,"end":2632.475},{"sentences":[{"text":"And then second March now, we've got the date locked in for the quotes compare comparative codes and for the document so that I can understand some numbers.","start":2633.5752,"end":2646.07,"sentiment":"neutral","sentiment_score":0.0728537594633443},{"text":"Yeah.","start":2651.615,"end":2652.115,"sentiment":"neutral","sentiment_score":0.030873484909534454},{"text":"Yeah.","start":2653.415,"end":2653.915,"sentiment":"neutral","sentiment_score":0.006437285803258419},{"text":"Yeah.","start":2655.2148,"end":2655.6948,"sentiment":"neutral","sentiment_score":-0.003306052647531033},{"text":"Yeah.","start":2655.6948,"end":2655.775,"sentiment":"neutral","sentiment_score":-0.02995547279715538}],"sentiment":"neutral","sentiment_score":0.06387357844505459,"num_words":32,"start":2633.5752,"end":2655.775},{"sentences":[{"text":"I don't yeah.","start":2655.775,"end":2658.1748,"sentiment":"neutral","sentiment_score":-0.044126447600622974},{"text":"Yeah.","start":2658.1748,"end":2658.335,"sentiment":"neutral","sentiment_score":-0.006731421686708927},{"text":"Yeah.","start":2658.335,"end":2658.4148,"sentiment":"neutral","sentiment_score":-0.006956976838409901},{"text":"Because, see, on half twenty four, I log in.","start":2658.4148,"end":2662.595,"sentiment":"neutral","sentiment_score":-0.01213084337198072},{"text":"There are there are a thousand reports there.","start":2662.815,"end":2665.635,"sentiment":"neutral","sentiment_score":-0.02934497268870473}],"sentiment":"neutral","sentiment_score":-0.022272959690202366,"num_words":22,"start":2655.775,"end":2665.635},{"sentences":[{"text":"Right?","start":2666.4949,"end":2666.9949,"sentiment":"neutral","sentiment_score":-0.04061386361718178},{"text":"And I'm not a person who's from the finance world or the field.","start":2667.26,"end":2670.8,"sentiment":"neutral","sentiment_score":-0.2278999199087803},{"text":"So those reports really don't make any sense to me.","start":2671.02,"end":2673.42,"sentiment":"negative","sentiment_score":-0.38248303532600403},{"text":"So I want someone to explain to me in a little bit of system.","start":2673.42,"end":2677.04,"sentiment":"neutral","sentiment_score":-0.06268285294728619},{"text":"Yeah.","start":2677.18,"end":2677.68,"sentiment":"neutral","sentiment_score":-0.0561765655875206}],"sentiment":"neutral","sentiment_score":-0.19902255596258703,"num_words":39,"start":2666.4949,"end":2677.68},{"sentences":[{"text":"Right.","start":2694.125,"end":2694.605,"sentiment":"neutral","sentiment_score":-0.05811372399330139},{"text":"Yeah.","start":2694.605,"end":2694.925,"sentiment":"neutral","sentiment_score":0.021836131811141968},{"text":"Exactly.","start":2694.925,"end":2695.425,"sentiment":"neutral","sentiment_score":0.06957906484603882},{"text":"Exactly.","start":2695.565,"end":2696.045,"sentiment":"neutral","sentiment_score":0.16179117560386658},{"text":"Precisely.","start":2696.045,"end":2696.545,"sentiment":"neutral","sentiment_score":0.2128823697566986}],"sentiment":"neutral","sentiment_score":0.08159500360488892,"num_words":5,"start":2694.125,"end":2696.545},{"sentences":[{"text":"Yep.","start":2717.495,"end":2717.995,"sentiment":"neutral","sentiment_score":-0.06648845970630646},{"text":"Yep.","start":2728.05,"end":2728.45,"sentiment":"neutral","sentiment_score":0.0767371878027916},{"text":"Not a problem.","start":2728.45,"end":2729.27,"sentiment":"neutral","sentiment_score":-0.14585518836975098},{"text":"Yep.","start":2732.21,"end":2732.71,"sentiment":"neutral","sentiment_score":0.08810602873563766},{"text":"And do remember, I think I've unsubscribed to the OQ Financial newsletters.","start":2732.8499,"end":2737.1099,"sentiment":"neutral","sentiment_score":0.020321289892308414}],"sentiment":"neutral","sentiment_score":-0.005297518309412731,"num_words":18,"start":2717.495,"end":2737.1099},{"sentences":[{"text":"So I I really totally learn communication.","start":2737.845,"end":2741.305,"sentiment":"neutral","sentiment_score":0.20674944136823928},{"text":"Yeah.","start":2741.605,"end":2741.845,"sentiment":"neutral","sentiment_score":0.18035924434661865},{"text":"I totally learn communication from your side or for anything that impacts me, basically.","start":2741.845,"end":2746.825,"sentiment":"neutral","sentiment_score":0.12342615611851215},{"text":"You know what?","start":2746.885,"end":2747.625,"sentiment":"neutral","sentiment_score":0.022257961332798004},{"text":"Yeah.","start":2748.565,"end":2748.885,"sentiment":"neutral","sentiment_score":0.03294844180345535}],"sentiment":"neutral","sentiment_score":0.13289591713020435,"num_words":26,"start":2737.845,"end":2748.885},{"sentences":[{"text":"Yeah.","start":2748.885,"end":2749.385,"sentiment":"neutral","sentiment_score":0.01893887296319008},{"text":"Yeah.","start":2751.1401,"end":2751.3,"sentiment":"neutral","sentiment_score":0.0518479198217392},{"text":"Yeah.","start":2751.3,"end":2751.78,"sentiment":"neutral","sentiment_score":0.02583265490829945},{"text":"Yeah.","start":2751.78,"end":2752.28,"sentiment":"neutral","sentiment_score":-0.001950068399310112},{"text":"Yeah.","start":2752.34,"end":2752.58,"sentiment":"neutral","sentiment_score":-0.010680743493139744}],"sentiment":"neutral","sentiment_score":0.016797727160155772,"num_words":5,"start":2748.885,"end":2752.58},{"sentences":[{"text":"Newsletters, not everyone subscribes to kind of thing.","start":2752.58,"end":2755.3801,"sentiment":"neutral","sentiment_score":-0.09196272073313594},{"text":"Yeah.","start":2755.3801,"end":2755.8801,"sentiment":"neutral","sentiment_score":0.03911531716585159},{"text":"Sure, mate.","start":2767.565,"end":2768.205,"sentiment":"neutral","sentiment_score":0.2337767705321312},{"text":"Not a problem.","start":2768.205,"end":2768.845,"sentiment":"positive","sentiment_score":0.4936921298503876},{"text":"Thanks, Kyle.","start":2768.845,"end":2769.825,"sentiment":"positive","sentiment_score":0.6452034115791321}],"sentiment":"neutral","sentiment_score":0.15890314406715333,"num_words":16,"start":2752.58,"end":2769.825},{"sentences":[{"text":"Yeah.","start":2772.685,"end":2772.925,"sentiment":"positive","sentiment_score":0.506669282913208},{"text":"You too, mate.","start":2772.925,"end":2773.565,"sentiment":"positive","sentiment_score":0.620757003625234},{"text":"Cheers.","start":2773.565,"end":2773.885,"sentiment":"positive","sentiment_score":0.7706841230392456},{"text":"Have a good one.","start":2773.885,"end":2774.865,"sentiment":"positive","sentiment_score":0.7329099476337433},{"text":"Bye bye.","start":2774.925,"end":2775.585,"sentiment":"positive","sentiment_score":0.35525859892368317}],"sentiment":"positive","sentiment_score":0.6165255822918632,"num_words":11,"start":2772.685,"end":2775.585}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Kij. It's Carl calling from Oakview Financial. How are you today?\n\nChannel 1: Hey. I'm good, Kyle. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking, Kij. I've got\n\nChannel 1: Good.\n\nChannel 0: you scheduled in to to go over a general discussion on your your insurances, plus I got a little\n\nChannel 1: Yep.\n\nChannel 0: bit of an update there just on some of those comparisons. I haven't got them into a a document yet just because it's not really a templated document I can throw it into. So haven't had a chance to put it together, but I can go over to on the phone with you this afternoon if you got a bit of time there\n\nChannel 1: See, I don't I don't mind going over the phone about\n\nChannel 0: as well. Yeah.\n\nChannel 1: this.\n\nChannel 0: I'll still put it into a a\n\nChannel 1: I\n\nChannel 0: document.\n\nChannel 1: will I will have no clue. It's a waste of completely waste of my time because I do not get any understanding of what we talk because it is difficult to remember all those numbers afterwards.\n\nChannel 0: Yep. Yeah. I'll have\n\nChannel 1: Yeah.\n\nChannel 0: a general conversation with you,\n\nChannel 1: Yeah.\n\nChannel 0: and then that might narrow it down so I don't have to put all the options in there for you to have a look at. As I said, it's not a a\n\nChannel 1: I understand\n\nChannel 0: standard document\n\nChannel 1: it's not a template.\n\nChannel 0: yet.\n\nChannel 1: I understand it's not a template. But if you can get, you know, download Excel files or download something that you can send me over an email, then we can go one file at a time. And at least the because I have that file, just to revise in my mind, try and remember what has been discussed, if there is a there is a decision that I have to give, I have those files to go and revisit and do something about it. These kind of calls are not helping me at all.\n\nChannel 0: Yep. With\n\nChannel 1: Alright?\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: regards to that there, Kitch, we don't send out, like, the entire files, which is why we have to put it into a separate document, which is why I haven't had a chance to do that. Yeah. If you don't wanna talk on those and I'll get around to putting it into a document there, then I can have a chat around the insurances tonight. And if you wanna talk about the other stuff at a later date, once I've put that into later\n\nChannel 1: Right. So when did we last speak? What's the date on your record? When did when was the last conversation?\n\nChannel 0: date. Yep. Let me just bring that up here. Joseph said we're transferring systems there. So I believe it was at the the January then.\n\nLet me just get an exact date there, kid. Bear with\n\nChannel 1: Yep.\n\nChannel 0: me. Apologies for the delay. We've literally switched systems there as well in the meantime since we last spoke, so everything's a little bit all over the shop.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm just trying to find the call log that list. Yep. I believe it was around the January 14 there, the last conversation we had there, kids.\n\nChannel 1: Okay. So let's assume January 14 and move on. So it's been a month, but you cannot you cannot get those documents out or those things out for us to view on both sides of this call. Yeah? So now I do not know how to proceed with this beyond this.\n\nSee, with\n\nChannel 0: The\n\nChannel 1: the\n\nChannel 0: scheduled\n\nChannel 1: incentive.\n\nChannel 0: conversation today, their kids, wasn't in regards to that. As I said, we've had a system change since we had that last spoke. The documents have been created, but as a separate document to put in for you to have as a client has not been created just due to that change. So I do apologize.\n\nChannel 1: I don't have see. See, Kyle, it's okay. You're apologizing and all of that is all said and done. It's it's okay. I get it.\n\nI appreciate it. However, because you are you are having an internal system change, we don't have any communications. So when the next call happens after a month, I kind of expect that there are some details that are put in front of my eyes so that I can look at them. Right? Is that expectation any wrong?\n\nBecause that's the commitment we had from the last call. Right?\n\nChannel 0: No. I completely understand\n\nChannel 1: Yeah.\n\nChannel 0: kids what\n\nChannel 1: So\n\nChannel 0: your expectations are\n\nChannel 1: this\n\nChannel 0: there\n\nChannel 1: is a very slow process. It's moving very slowly and the financial markets do not go over that slow,\n\nChannel 0: and\n\nChannel 1: isn't it? So I'm not I'm not able to move forward, frankly. Now with this insurance thing, the Neos insurance, I have received an email from them, so I know what they're charging me for what. So I can speak to you with numbers. I can refer to you to go to a certain page on that document where you see the same document and I see that the same document and the conversation will flow very fast and we'll have decisions about it.\n\nRight? But for the rest of it is a complete black box for me. And it is it is a 140,000 of my hard earned money, and I'm not\n\nChannel 0: Yep.\n\nChannel 1: comfortable it being a black box at all.\n\nChannel 0: Yep. So could you discuss here more personal details there? I'd have to pass you through security just for that name, date of birth, and current address, and then we can go over that.\n\nChannel 1: Yes. My name is Shruti Jibrankar. Date of birth is sixteen July seventy nine, and full address is 12 Catania, Maryland Springs, Victoria 3023.\n\nChannel 0: Perfect. Thanks. So I could just let you know if these calls still are recorded there for quality and training.\n\nChannel 1: Yep.\n\nChannel 0: Now I understand completely what you're saying with that. In regards to what your expectations are, you do have to sort of understand a little bit there that your expectations of what you're receiving as a client are slightly outside of what we normally provide, which does in turn change those time frames as well. If we had that general discussion and I made a recommendation from the general discussion from what you're comfortable with as a client and what the recommendation sort of flows towards, then you would just get the document with the one recommendation and the the appendix with\n\nChannel 1: Okay.\n\nChannel 0: a couple of the alternatives. Now to get the comparison between your current versus, like, the SMA we discussed versus, like, an index option versus, like, an active managed option, We can't just send you all those reports because, obviously, it just looks like gibberish. It looks messy, and then it's also just stuff you don't need there as well. So as a business, they have an expectation that we put that into a document. Now you're turning what\n\nChannel 1: I'm I'm sorry,\n\nChannel 0: it's\n\nChannel 1: Kyle. I'm I'm sorry, Kyle. I'm going to interrupt. The problem is I've seen this I think it's it's a part of your Oakview Financial training that you work how you work with your clients on phone calls. But I want to give you this feedback.\n\nYou started with something, and wherever you are right now, I have lost you, mate. These are really long winded answers. I do not understand where you start and where you end, and this is a feedback I have to give to the system, whoever it is. It's a very long ended long winded answer. I do not understand where you're going with this.\n\nIf you have if you say that you what I'm asking that is something not nonstandard, then that's fine. But you committed to it on the January that, yes, you will prepare some kind of a document and send it across so that in the next call, we can both look at the document and talk. Right?\n\nChannel 0: But that this wasn't the call that I scheduled in there, kids, so I have to do\n\nChannel 1: So\n\nChannel 0: stop\n\nChannel 1: so\n\nChannel 0: you there. You\n\nChannel 1: I\n\nChannel 0: wanted\n\nChannel 1: had to\n\nChannel 0: to\n\nChannel 1: call\n\nChannel 0: talk about the insurance,\n\nChannel 1: so I\n\nChannel 0: and\n\nChannel 1: had to I had to call Kyle because he did not schedule it. I waited for some time,\n\nChannel 0: I\n\nChannel 1: and then I made that call to book this appointment.\n\nChannel 0: yep. And I've explained\n\nChannel 1: Alright.\n\nChannel 0: previously that kids just with the business with the changes that have occurred, there is a backlog. And you are, like, at the top of the list in terms of things that are getting done, but you have to understand that with those system changes too that did occur and then the the expectation of those\n\nChannel 1: Well, I don't have\n\nChannel 0: five\n\nChannel 1: communications\n\nChannel 0: separate\n\nChannel 1: from you, Kyle. You can give me a communication. I'm a reasonable guy. If you tell me there's a system change, there's a backlog. We need to delay this process by another two weeks.\n\nI can understand that. I don't have the communication.\n\nChannel 0: options.\n\nChannel 1: I can't be held responsible for it, mate. Do you think am I asking for something unreasonable here? If you communicate, I will ask accept it. I don't\n\nChannel 0: Yep.\n\nChannel 1: have communications from you or your system or Oakview Financial as an organization that you guys are going through an overall of your IT systems.\n\nChannel 0: Yep. And with that, yeah, again, that's not as me as an individual to send out those company wide emails. So that is part of their monthly newsletters that they do sort of give updates, and they haven't obviously been as forthcoming as what's happening in the background\n\nChannel 1: That's\n\nChannel 0: there as well.\n\nChannel 1: it. Case\n\nChannel 0: So I do understand what you're coming from there, Kitch, and then I can only try and move forward from what we're doing. As I said, the research there is done. I've just gotta find a spare moment to put it into that nonstandard document, which takes a little bit of extra time. So if you give me a couple of extra weeks there, I'll try and put it into a document that makes clear sense to you. And then if\n\nChannel 1: Yep.\n\nChannel 0: you need some more information based on the figures that I provide in that document, because it won't have all the justifications. It would just have the figures and then the breakdowns of everything, and I'll just table it up for you. And\n\nChannel 1: Yep.\n\nChannel 0: then we can have a conversation to go over those. But we'll put that on the back burner for now. I can even put you in a book you in for a couple weeks from now just to have that scheduled in to go over that. But in terms of the insurance portion, kids, so as you said, that's something that you can look at, and we can have a discussion sort out today. We can just jump on to\n\nChannel 1: Yes. Alright. So before we jump on and change the subject,\n\nChannel 0: Yep.\n\nChannel 1: is there an action item here? Are you going to book something for another, let's say, two weeks or three weeks from now, from today?\n\nChannel 0: I was gonna do it at the end of the phone call, but if you\n\nChannel 1: That's\n\nChannel 0: wanna do\n\nChannel 1: fine.\n\nChannel 0: it now,\n\nChannel 1: That's fine.\n\nChannel 0: that's not a\n\nChannel 1: I\n\nChannel 0: problem.\n\nChannel 1: just want to conclude\n\nChannel 0: Yep.\n\nChannel 1: that there's a decision. That's it. So if that decision's there, whenever you do send, am I can I expect to get a document in my hand so that I open it locally on my side here on my laptop and talk to you so that I can see what you're referring to and what we are, you\n\nChannel 0: Yep.\n\nChannel 1: know\n\nChannel 0: I'll book you in\n\nChannel 1: yeah?\n\nChannel 0: for if I'll have a look here what works. Would 6PM, Friday, Monday the second, work for you in March then? The start of thing. Gives me time to put in a document. You'll have a document.\n\nYou can look at the\n\nChannel 1: Second\n\nChannel 0: document\n\nChannel 1: of\n\nChannel 0: while\n\nChannel 1: March.\n\nChannel 0: I have a conversation with you.\n\nChannel 1: March 2. Okay. March 2 is a Monday.\n\nChannel 0: Yep.\n\nChannel 1: Monday evening, March 2 is fine, and it gives you exactly two and a half weeks. Is that okay? Are you comfortable with that?\n\nChannel 0: With that, it's about a a week and a yeah. Week and a half there for\n\nChannel 1: Week\n\nChannel 0: that. But,\n\nChannel 1: and\n\nChannel 0: yeah,\n\nChannel 1: a half.\n\nChannel 0: that's\n\nChannel 1: Sorry.\n\nChannel 0: enough\n\nChannel 1: A\n\nChannel 0: yeah.\n\nChannel 1: week and\n\nChannel 0: That's,\n\nChannel 1: a half. Yeah.\n\nChannel 0: yeah, that's that's enough time for me to put as I said, the the research is there, Kij. Obviously, like, we get booked out a little bit in advance. I'm just trying to find a spare moment to have booked aside a time tomorrow, actually. It was in my calendar to go through some research decisions and things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: So that's at the top of the list there. So I'll get that sorted, try and make it pretty up, and I've got you in there now for six PM your time, the March 2, and we can I'll email that to you. We can go over that and have a discussion around that there, Kij.\n\nChannel 1: Okay. Done. I'm also booking my calendar so that I know you're going to call me on the 03/02/2006. I'm putting in a six to seven blocking an hour out of your call. Okay.\n\nDone.\n\nChannel 0: Got it.\n\nChannel 1: So first\n\nChannel 0: Yep.\n\nChannel 1: thing, one item done and checked. The next item is insurance. Yes. Do you have the insurance\n\nChannel 0: Yep.\n\nChannel 1: policy from Neos open in front of you?\n\nChannel 0: Yep. I've got your certificate of currency for that policy, and that one's dated yeah. The commencement date's the 2026, and premium date is the nineteenth to the third. So that should be the, yeah, the most up to date one.\n\nChannel 1: Yep. So see, what I'm looking at is my payment detail is around 4,500 on the policy. Okay?\n\nChannel 0: Yep.\n\nChannel 1: That's the yearly premium. That's the new yearly premium, right, for the next year.\n\nChannel 0: Yep.\n\nChannel 1: And what is the rollover amount? It's a very small question, but what is the payment method rollover and rollover amount is 3,886? What is the difference there?\n\nChannel 0: So because you hold the policy within superannuation instead of, like, paying personally out of pocket, you get a 15%, like, tax rebate for holding the policy within superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: So that 15% discount is actually, like, the savings. So, technically, the policy cost the policy amount, but you get that rebate by having it in superannuation, which\n\nChannel 1: Okay.\n\nChannel 0: is the rollover that's requested from your superannuation to pay for it.\n\nChannel 1: Okay. So the super technician will pay ultimately $3.08 $8.6.95. Correct?\n\nChannel 0: Correct. Yep.\n\nChannel 1: Okay. Alright. So what I'm coming to is now we're going to the cover details. Alright? There's one that is for life cover.\n\nChannel 0: Yep. Live TBD and IP, and they all\n\nChannel 1: Alright?\n\nChannel 0: have their separate sort of breakdowns on what they\n\nChannel 1: Got\n\nChannel 0: cost in the premium. Yep.\n\nChannel 1: it. Got it. So I want to break that down now. Okay. Now let's start with the bottom.\n\nThat is the income support cover. Now\n\nChannel 0: Yep.\n\nChannel 1: this income support cover, the benefit period is still $8.65, isn't it? Like nineteen or twenty years.\n\nChannel 0: Yep. So with that benefit period to age 65, that would mean that if you were to ever end up on a claim, it would pay all the way up until the age of 65. Or if you had a conversation with your insurer that worked out some sort of payment, if they just, like, discovered that you would not ever return to work, if that makes sense. So it's\n\nChannel 1: Yep.\n\nChannel 0: the most comprehensive benefit period you can hold on a policy for, like, more recent policies that is.\n\nChannel 1: Okay. So, generally, do people really cover themselves up for till 65? I know it's a very personal circumstance question, but I was like, do I really need a cover for till the age of 65 or should I be looking at a roll sorry, income support cover for a rolling five year period? So whenever I lose a job, I'm covered for the next five years. It should not take me five years to find a job, so kind of like that.\n\nSo will that bring the premium down?\n\nChannel 0: That income support code, let me just touch on that first. It's not for redundancy and not finding a job. It's if you're sick or injured to where you can't perform a job. So it doesn't count for, like, redundancy. There are certain, like, redundancy covers to where if you aren't within a job at the time, you can still pay a premium.\n\nBack. But in saying that, the income support covers for if you're sick or injured. So if you're out of work for a period of time, you can't claim on your income protection cover for that. But the second part there in regards to benefit period, you're right. Sort of some people do decide to go for the more five year because if you hurt yourself, kids, and you're unable to work, there's a high likelihood that no matter what the injury, you're either back at work in that five year period or you might be looking down the route to total permanent disablement and making a claim that way.\n\nIf you're on claim for more than five years for income protection cover, there's a likelihood that you might never go back to work, and you might never go back to work, like, in a role or a similar role to you're currently working, if that makes\n\nChannel 1: Yeah. Yeah. Okay. So this but because it says special conditions\n\nChannel 0: sense.\n\nChannel 1: loading and exclusions, it says no\n\nChannel 0: Mhmm.\n\nChannel 1: no claim shall be payable under the insured benefits whether condition of event or event giving rise to the claim results from any disease, condition or disorder or lumbar support, it's intervertebral discs, joints, no root spinal cord or supportive musculature or ligaments or any treatment surgery complications thereof. So then what is the income? What defines what am I going off my income for if it's an injury? Then if they've taken excluded all the main injuries out, then what's the point?\n\nChannel 0: So that specific exclusion is related to that lumbar spine exclusion that you got when you originally took out the policy just due to previous health. So with that too, Kij, if you got into a car accident and broke your back and it's related specifically to the car accident, not your preexisting injury that did occur to your your spinal region, you'd still be covered under your income protection policy. It's just anything and any condition that is related specifically to what was preexisting\n\nChannel 1: I don't\n\nChannel 0: in\n\nChannel 1: have\n\nChannel 0: those\n\nChannel 1: an\n\nChannel 0: numbers.\n\nChannel 1: injury. I don't know how this has come on record. I don't have an injury. What I was told was at that time, I used to go for whatever\n\nChannel 0: To the chiropractor.\n\nChannel 1: chiropractor. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And the exclusion of this thing was only for one year. This is my second year. Right? I I came on board on twenty four February. So this is my third year.\n\nSo the third year is going to start from nineteenth March twenty twenty six. And I was told that the exclusion I mean, this exclusion would be only for the first two years or something or first one year or something. Why is it being carried forward? And that's where my confusion is. I'm\n\nChannel 0: So\n\nChannel 1: I'm\n\nChannel 0: exclusion\n\nChannel 1: clearly\n\nChannel 0: stay on\n\nChannel 1: yeah.\n\nChannel 0: the policy until such time you review them. Now normally for things related to chiropractic, seeing a chiropractor, and those sort of things, they they wanna see, like, three to five years of you not receiving any treatment or a sort of, you know, just that it's for general maintenance and care. Now insurers always look to the worst. Now I wasn't around when that policy was written, so we can,\n\nChannel 1: Yeah.\n\nChannel 0: like Priya's says, based on, like, what you've\n\nChannel 1: No. But this\n\nChannel 0: gone\n\nChannel 1: is\n\nChannel 0: through.\n\nChannel 1: wrong. Yeah. You were you weren't there, Mikhail. I understand you weren't there, but\n\nChannel 0: Yep.\n\nChannel 1: whoever was there told me that it'll be excluded after or it will be removed from these exclusions after a year if you don't go to the chiropractor. And I have not been to the chiropractor in the whole of 2025 or '24 '24. I don't have\n\nChannel 0: Yes.\n\nChannel 1: any problems in my back. This is\n\nChannel 0: Yes.\n\nChannel 1: I I mean, otherwise,\n\nChannel 0: So like I\n\nChannel 1: I need\n\nChannel 0: said, you\n\nChannel 1: we\n\nChannel 0: did\n\nChannel 1: need to\n\nChannel 0: know\n\nChannel 1: find\n\nChannel 0: that it\n\nChannel 1: another insurer.\n\nChannel 0: Yeah.\n\nChannel 1: We need to reset.\n\nChannel 0: We can just even look to do the process of the musculoskeletal questionnaire with Neos first to see if we can get it removed based on your answers from that. As I said, I don't know the exactly what you've stated during that process when you went through it. But, generally, if you do ask any chiropractor for any sort of injury, if it was just maintenance, like I said, like you said, you can look at getting it removed. So we can go down that route as well and look at getting\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: We need to.\n\nChannel 0: reviewed. Yeah. That's\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: We\n\nChannel 0: a problem\n\nChannel 1: need to\n\nChannel 0: at\n\nChannel 1: because\n\nChannel 0: all.\n\nChannel 1: because this is so ridiculous. I went to the chiropractor for a tech neck. You know, tech neck tech neck is because of laptops. I\n\nChannel 0: Yep.\n\nChannel 1: went there for a neck thing. I was never there for my spine or back thing. I don't\n\nChannel 0: Yeah.\n\nChannel 1: know how\n\nChannel 0: Well,\n\nChannel 1: it\n\nChannel 0: next\n\nChannel 1: got\n\nChannel 0: next\n\nChannel 1: to record.\n\nChannel 0: next next is considered is fine. So so, like, that's just\n\nChannel 1: Possibly,\n\nChannel 0: oh,\n\nChannel 1: but this is lumber.\n\nChannel 0: yeah.\n\nChannel 1: They're going lumber is all lower back, isn't it?\n\nChannel 0: Yep. So, like, as I say, kids, like,\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: no.\n\nChannel 0: wasn't around for that, so no need\n\nChannel 1: True.\n\nChannel 0: to get worked up. We can review that. We can go\n\nChannel 1: Yep.\n\nChannel 0: through the process with Neos first. If they're not willing to review it, then we can just, as you said, go to market again. We can do that pre assessment process. Again, I know previously, other than, like, obviously, seeing a chiropractor, you didn't disclose any health issues and things like that, so it shouldn't be an issue to go to market again.\n\nChannel 1: Yep.\n\nChannel 0: We can obviously review this policy first and see if we can look at getting it removed. Now I will ask you a few questions there in regards to that there, kids, so bear\n\nChannel 1: Yep.\n\nChannel 0: with me.\n\nChannel 1: Yep.\n\nChannel 0: I'll just get a pre assessment questionnaire\n\nChannel 1: Yeah. Because\n\nChannel 0: so we\n\nChannel 1: because\n\nChannel 0: can\n\nChannel 1: of these things, probably the premium is also bumping up a little bit is my assumption.\n\nChannel 0: no. Exclusions are just excluded. If you get a loading, it\n\nChannel 1: Okay.\n\nChannel 0: increases the premium, but the exclusion just excludes the the\n\nChannel 1: Yeah.\n\nChannel 0: the area\n\nChannel 1: Okay.\n\nChannel 0: that it yeah. So bear with me there, kid. Georges.\n\nChannel 1: In fact in fact, I just rode my bike to the office and back\n\nChannel 0: Yep.\n\nChannel 1: today.\n\nChannel 0: Yeah. And look, I I will be honest. Like, insurers are quite strict and stringent, and they do exclude anything they can for whatever reason they generally\n\nChannel 1: Yeah.\n\nChannel 0: can. But as I said, we can review it. We can have a look at it and see in regards to your case of, obviously, just doing it for general maintenance for the next region, how they'll view it moving forward, and then we can confirm with a couple of other insurers how they'd view it. And then if it comes back that another insurance would accept your extended rates, we can look at rewriting that as part as your advice as\n\nChannel 1: Yeah. Exactly. If yours is difficult\n\nChannel 0: well\n\nChannel 1: being acting difficult, then I'm happy to move on to someone else\n\nChannel 0: that gives\n\nChannel 1: with\n\nChannel 0: yeah.\n\nChannel 1: someone\n\nChannel 0: Not\n\nChannel 1: else.\n\nChannel 0: a problem. Generally, with your, like, occupation as well, it shouldn't be much of an an issue. Like you said, you're not downhill mountain biking and things like that. You just, you know, you're quite quite standard in what you're you're doing, so that's\n\nChannel 1: Yeah.\n\nChannel 0: fine. Bear with me. I'll just bring up your old pre assessment as well and just confirm a few things. Perfect. So still senior business, and\n\nChannel 1: Yep.\n\nChannel 0: then income, yeah, the $1.04 8. So that's changed a little bit. And then with your role there, you're not going any on-site visits for anywhere even if it's, like, the other, like, corporate workplaces\n\nChannel 1: Nope.\n\nChannel 0: or remote? Yep. Perfect.\n\nChannel 1: No travel. No travel in my work profile.\n\nChannel 0: And now I know you said previously that you were a social smoker, so that can affect premium. I know you stopped it at some point, but just have the occasional one. Now if you haven't been smoking or touching cigarettes for a twelve month period, you can look at obviously not having smokers rates at all. If you have touched nicotine products within that time frame, you would be looking at smokers rates, which does affect insurance premiums. Now have you stopped, like, casually smoking within a twelve month period there, Tukic?\n\nChannel 1: Yeah. Well, I can't guarantee that, but it's casual\n\nChannel 0: Yep. So that will still mean that\n\nChannel 1: casual.\n\nChannel 0: smokers rates\n\nChannel 1: Yeah.\n\nChannel 0: do apply at some point if you're not touching tobacco at all. So it doesn't matter if it's one a day, if it's 20 a day. It just it's smokers' rates. It's smokers' rates. And if you don't smoke within a twelve month period, that also is something that we can look at getting removed, and\n\nChannel 1: Yeah.\n\nChannel 0: that does quite heavily affect premiums. So that would be another reason why they're higher. Your occupation's quite safe in terms of its nature, so that's not a huge issue. That is another key factor on on price. So with that one there as well bear with me.\n\nI'll just bring up the old one again. And then still just a a social drinker not having too many drinks on the average.\n\nChannel 1: Yep. No changes to the score.\n\nChannel 0: Right. Not planning on doing any travel in the next twelve months or, you know, recent, like, going overseas or anything like that?\n\nChannel 1: Well, I can't guarantee that. It can happen because my family stays overseas. So\n\nChannel 0: Yeah. But do you\n\nChannel 1: Yeah.\n\nChannel 0: have, like, any definite plans, like,\n\nChannel 1: No.\n\nChannel 0: booked? Yep. No.\n\nChannel 1: No.\n\nChannel 0: That's fine. It just it does make a difference. Sometimes they exclude certain regions and things like that. You know? So that's just why I asked.\n\nNow in regards to your your health there, you stated that, obviously, no other changes, no injuries or sicknesses or illnesses or anything. You haven't seen a GP and they've stated anything, like, since you've last gone?\n\nChannel 1: No.\n\nChannel 0: I think and then the weight's still sitting around the sort of eighty\n\nChannel 1: Sorry. What is\n\nChannel 0: Your your weight is still sitting around, like, a eighty?\n\nChannel 1: it? Yeah.\n\nChannel 0: Yep. Perfect. Now just in regards to the the neck, was it just tight like, a tight neck, like, that you went to a chiropractor originally?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And when did you first notice, like, the the tightness in the neck? Like, what year or, like, my year and month, if you know?\n\nChannel 1: I wouldn't remember that, mate.\n\nChannel 0: Just\n\nChannel 1: What\n\nChannel 0: it\n\nChannel 1: is the what is the answer that I've given last time? Is the one that I stick to.\n\nChannel 0: generally.\n\nChannel 1: Yeah.\n\nChannel 0: It's not in the the pre it would have been in the application. I can now try and find the application to see what you disclosed.\n\nChannel 1: Yeah. So let me find what was the chiropractor's name? I can I can find the receipt send the earliest receipt for\n\nChannel 0: It's it's mainly,\n\nChannel 1: platinum?\n\nChannel 0: yeah, for, like, your, like, your first trip there and then, like, your last trip to the chiropractor.\n\nChannel 1: Yeah. Exactly. That's what I'm trying to\n\nChannel 0: Yeah. And it was it\n\nChannel 1: find\n\nChannel 0: just,\n\nChannel 1: in\n\nChannel 0: like,\n\nChannel 1: my mail. Yeah.\n\nChannel 0: slight stiffness slight stiffness in the neck? Like, there wasn't any sort of you know, couldn't turn your head. It was or anything like\n\nChannel 1: Yes. Stiffness in my neck because of the laptops.\n\nChannel 0: that? Yeah. Would you say it was, like, mild or slight or just, like, you know, it's quite significant? Or Just, like just a slight stiffness that you just noticed when you were moving around a little bit that it was a bit tight, or was it like you couldn't turn and look one way?\n\nChannel 1: Oh, no. It was it was mild, but it was just nagging. You know? So\n\nChannel 0: Yep. Yep.\n\nChannel 1: over a period of time before it could really get really severe is when I started going to the chiropractor to get it fixed.\n\nChannel 0: Yep. Yep. That's it. And would would you say, like, the this frequency of symptoms, it was just like a little niggle that you wanted to address before the maintenance before it became anything else?\n\nChannel 1: Yes. Before\n\nChannel 0: Yep.\n\nChannel 1: it multiplies or becomes into bigger problem, I need to see someone and get some something done, exercises, whatnot. So the chiropractor suggested exercises and would what do they call it? Adjustment. Who would call me for an adjustment once a month?\n\nChannel 0: And then how often did you go, like, in terms of session for those adjustments every month?\n\nChannel 1: Well, it's it always starts with two or three sessions in the month for the first few months, and then it slows down to once a fortnight. It tapers down to once a fortnight to once a month. So I went there from the month just a second. 2023. So from May 2023,\n\nChannel 0: Yep.\n\nChannel 1: and until April 2024. However, it does sound for a full year, but it wasn't that many adjustments. It was starting adjustments were weekly, and then it moved to fortnightly, and then it tapered down to monthly.\n\nChannel 0: Yep. So was it, like, two months weekly and then two months?\n\nChannel 1: Fortnightly, and\n\nChannel 0: Yeah.\n\nChannel 1: then it was only about six or seven adjustments for the rest of the year. April 24, then I have a invoice for March 24, then an invoice for there are two months in the middle that I he did not ask me to come. Everything was good. Uh-huh. So then I have twenty fourth November.\n\nThen oh, interesting. It wasn't that yeah. Yeah. Yeah. Yeah.\n\nSo it was monthly till about sorry. Weekly till about for about first three months.\n\nChannel 0: First three months is weekly.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then two months with the the two adjustments a month, and then six or seven\n\nChannel 1: Yeah. Six to seven the rest of the year.\n\nChannel 0: As I said, even if it was general maintenance there, they might still view it as looking closer to that three to five year mark, as I said. I'll I'll check with\n\nChannel 1: Yep.\n\nChannel 0: the your Neos, and then I'll check with a few other insurers. But even if it's not an injury, like, an exclusion isn't the end of the world either, kids. It means that, basically, anything related to the stiffness of the if you were unable to work, it means you wouldn't be able to claim on the policy. But I'm assuming even with the stiffness in the neck, you could still complete your role and you could still go back to the physio for that. But the likelihood that you'll be off work for more than a month with a a stiff neck related to that is a little bit slim, but then we'll we'll keep an eye on it.\n\nAnd then if it falls to that three to five year mark, we can look at getting it removed then as well.\n\nChannel 1: Oh, yeah. Exactly. I mean, things happen to people. Right? I mean, someone might\n\nChannel 0: Yeah.\n\nChannel 1: have a knee pain, someone has a back pain, someone has a joint pain, and it is everyone's evolving, everyone's aging, everyone's growing in their ages, things will happen that I don't understand that they're being too strict about this.\n\nChannel 0: It's just the way the, yeah, the retail cover work. I've, like, had clients that have mentioned that their hand gets a bit stiff and it's cold, and then they've got an arthritis exclusion even though it wasn't diagnosed and things like that. Don't worry. We're constantly fighting with insurers, so don't feel like I'm not on your side. I'm just trying to set the expectation.\n\nChannel 1: I understand.\n\nChannel 0: Yeah. And the degree of recovery that you\n\nChannel 1: Yeah.\n\nChannel 0: consider at full at the moment there, kids, you're not having any sort of ongoing issues with\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: About which one? What recovery?\n\nChannel 0: For your neck, it's like a full recovery. You don't have any ongoing issues at the moment. It's fine now that you're not going to the chiropractor and everything?\n\nChannel 1: Yes. 100% fine.\n\nChannel 0: Perfect. And did you undergo any sort of scans or X rays or anything in regards to that?\n\nChannel 1: For I mean, when the chiropractor starts, they always work with X rays. They do not start without X rays.\n\nChannel 0: Yep. And did anything come from the X-ray other than, like, doing the adjustment?\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: I mean, surgery wise or something. No. If\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: Okay.\n\nChannel 1: is what you are leading to. Yeah.\n\nChannel 0: Well, it just like, if any like, if they gave you any sort of diagnosis from that. And sometimes they do request medicals in regards to that. So, like, if you sort of disclosed that you got sort of scans and X rays, the insurer might request those from that when doing those application reviews. And then they'll have a medical expert review those as well, like the independent ones. But in regards to injury to their kids, did you take any time off work at all?\n\nChannel 1: No.\n\nChannel 0: Yep. And were you taking any medication, any pain relief, anything like that in that time frame?\n\nChannel 1: Nope.\n\nChannel 0: Perfect. And, yeah, if you don't have any other sort of health that has popped up in the meantime either, that should be fine. I'll just use those details to, one, double check with your current policy and then check with a couple others depending on if that's reviewable currently or not. Now in regards to the policy itself, the kids and the cover amounts, were you still happy with the cover amounts that you covered for? Was it just sort of looking at potentially the the waiting period for that income protection?\n\nOr\n\nChannel 1: Yeah. Yeah. So,\n\nChannel 0: oh.\n\nChannel 1: see, income protection was one thing. I'm not\n\nChannel 0: Yep.\n\nChannel 1: sure if I really want, the income protection, for that long. I I was thinking that his income support cover, you know, unfortunately, did not explain what the income support cover really means.\n\nChannel 0: Yep.\n\nChannel 1: They have they have correct explanations where it is inclusions and loadings, but it is not they will not explain when is\n\nChannel 0: What it\n\nChannel 1: the income.\n\nChannel 0: actually covers yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: when it's actually applicable. No. I completely\n\nChannel 1: Yeah.\n\nChannel 0: understand. Do you feel like you have a clear understanding now of what income protection actually covers for and\n\nChannel 1: Yeah.\n\nChannel 0: what it doesn't?\n\nChannel 1: Yeah. Yes. I have. But is there any way that I can lower that premium, which means I have to lower the sum insured is what I understand.\n\nChannel 0: We can change that benefit period too. So if you knocked it down to that five years, your current policy is sitting around that 4,500 mark, it would drop it down to, like, the $34.50, so $3,450 sort of mark as, like, a rough estimate. If you were to just put that benefit period down to the five years and be comfortable with that, if you were to end up on a claim, it would only pay for five years maximum.\n\nChannel 1: Oh, and I cannot revisit this in after the sixth I mean, the starting of the sixth year and say, okay. Roll it for another five. I can't. Right?\n\nChannel 0: But, like, explain that again, sir. Just like, so as in, like, you have a policy, it pays for five years, and then you start again for another five years. Is that what you're asking?\n\nChannel 1: Yeah. I mean, for the cover only for the cover. Let's say I start in '26. So '20 '6,\n\nChannel 0: Yep.\n\nChannel 1: '27, '28, '29, and '30, the five\n\nChannel 0: Yep.\n\nChannel 1: years, I'm in I'm covered for the support, you know, income support cover. And in '31, it is not there on my policy. And then I can I ask for another five years later on if I\n\nChannel 0: So\n\nChannel 1: have not claimed\n\nChannel 0: that\n\nChannel 1: them anyway?\n\nChannel 0: that's it. It's not like you've only covered for five years, like, in terms of, like, the policy life. The policy life still holds up until, I think, it's age 65. It just means that if you were to hurt yourself and end on an income protection claim, it would only pay for five years in total. And the policy itself, you can hold all the way up to that even if you don't like, all the way up to the age of that 65, I believe it is for Niels.\n\nDon't quote me entirely because I'm not looking at the PDFs, but the policy would hold to that age. But it's just specifically if you're on claim. So if you broke a leg or something like that and were unable to work for three months because you couldn't, you know, get into your workplace or get into your car, you could essentially end up on a claim. And then that claim could pay for three months and then say you're off claim, your policy would still be enforced, and you wouldn't lose that policy.\n\nChannel 1: Yep.\n\nChannel 0: It would just mean that you've had a claim that paid for three months. Now if you injure yourself in a car accident when I'm able to work and you end up on a claim, you could be getting paid for your income protection support cover for five years. But then after that, if you haven't returned to work, it doesn't matter. They're gonna cut that payment off at that five year mark, and then you can't claim additionally again on that and ask for another five years, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: If you were\n\nChannel 1: Yeah. Yeah. Alright.\n\nChannel 0: to reinjure yourself with something else, you potentially could make another claim for something else or a different injury, but it wouldn't be likely to the same injury, if that makes sense.\n\nChannel 1: Yep. Yep. Alright. So let's move on. I'll leave the income protection as is.\n\nIt has an in some insured of $8.09 $7.03. Is that\n\nChannel 0: Yep.\n\nChannel 1: the amount in such a claim in such case of a claim, $8.09 $7.03 is the four months sub insured?\n\nChannel 0: So that's the monthly benefit. Obviously, tax comes into it, but that's the monthly amount you would receive if you were to make a successful claim, if that makes\n\nChannel 1: Yep. Yeah.\n\nChannel 0: sense.\n\nChannel 1: Okay. So how is that number derived? Is it derived because it's such an odd number, $8.09 $7.03?\n\nChannel 0: So the way that works is when they originally do the application, you do it for 70% of your current income. So 70%\n\nChannel 1: Oh,\n\nChannel 0: of\n\nChannel 1: okay.\n\nChannel 0: whatever your current income was at the time, because you can only do up to 70% of your income because if people are getting a 100% of their income, you know, they're just gonna keep trying to stay on claim because you're not you're you're getting a full full ride, basically. Whereas if it's 70%, it's more enticing for people to return to work because you're missing out on a certain level of your pay packet even if you're not working, So trying to get people back at work. Now with that premium amount there as well and with the the sum insured because you have CPI on that as well, whatever they deem the CPI rate to be, whether it's, like, they're doing, like, the aiming for the cash rate or things like that, it increases your policy each year by, like, two to 5% depending on what the markets are doing and what things are doing in general. Now so your policy does creep up in terms of, like, how much you're covered for in addition to, obviously, it goes up in price for not only the what the government's doing, what the taxes are at the time, and then also your age as it get up it gets older, and then the amount that goes up goes up a little bit well as as well.\n\nSo you'll notice even with your life and TPD, that does creep up a little bit each year.\n\nChannel 1: Alright. Okay. So there's not much that we can do for the income support cover. Alright. And so let's\n\nChannel 0: You\n\nChannel 1: move\n\nChannel 0: could\n\nChannel 1: on to\n\nChannel 0: do\n\nChannel 1: that.\n\nChannel 0: the you could do the five year benefit if you'd like.\n\nChannel 1: No. I'll just leave it because, see, even if it is a five year benefit, it's still going to charge they're still going to charge me some amount on the policy. Right?\n\nChannel 0: Yep. As\n\nChannel 1: Yeah.\n\nChannel 0: as I said, yeah. So, like, if you were to change it to from the age 65 to a five year benefit, it's about a a thousand dollar sorta difference in in premium just based\n\nChannel 1: Right.\n\nChannel 0: on that.\n\nChannel 1: Yeah. No. I'll leave it then. I'll leave it the way it is because it gives me some relief that I am covered because of an accident or whatever, right, in such cases.\n\nChannel 0: Yeah.\n\nChannel 1: 50\n\nChannel 0: You'd be covered all the way up to the age of 65 if you\n\nChannel 1: five.\n\nChannel 0: were on on a on a serious claim and were unable to return to work. Yeah. And obviously meet the definitions of the insurer. That's not up\n\nChannel 1: Correct.\n\nChannel 0: to\n\nChannel 1: Exactly.\n\nChannel 0: us. Yep.\n\nChannel 1: And this insurance cover will definitely cease after I am retired.\n\nChannel 0: So we, obviously, as a part of you and your reviews, look at, like, your insurance you hold and everything at the time as well. If you feel like you're in a position where you're no longer working and you you are retired, we can just get rid of the policy because you can't ensure for money you aren't earning, if that makes sense as well.\n\nChannel 1: Yeah. Exactly. Exactly. Alright.\n\nChannel 0: Yep.\n\nChannel 1: So then that's settled. Let's move on to the attached TBT cover and life cover.\n\nChannel 0: Yep.\n\nChannel 1: I just want to bring the sum assured down to 1.5.\n\nChannel 0: Yeah. I'll see what that will look like in terms of\n\nChannel 1: Yeah. Let's break that down and bring it down. There's no point going for one point\n\nChannel 0: Just bear with me. It's just loading up to\n\nChannel 1: eight.\n\nChannel 0: let you know what that difference will be.\n\nChannel 1: Yep.\n\nChannel 0: So bringing it down from the 1.8 to the 1.5 for life and attached total permanent disability, it brings the policy premium down from 4,572 to 4,162. So that of only $400 sort of saving.\n\nChannel 1: Yep. Alright. So let's stick to that. Let's get it revised to 1.5. And\n\nChannel 0: Yep.\n\nChannel 1: I definitely want to if if I I don't know if I'm allowed to ask for this, but I definitely want to look at another insurer and see if the premiums are competitive.\n\nChannel 0: Yep. Obviously, you know, given that it's in, like, its first few years of the policy, like, in the first three years, generally, the premiums aren't too different compared to market just as, like, the way they work because they are, like, cumulatively is, like, more of, like, a curve. So those first few years, you do get, like, a bit of a discount on the the premiums, not so much of a discount, but you don't get as many price hikes. But then after that, each year, it tends to hike up a little bit more. So we can definitely, as I said because I'll call Neos and see what they sort of gauge in regards to your previous chiropractor history, if you'll still be an exclusion, if it is reviewable or not.\n\nAnd then with that, based on your occupation, I'll go to a couple of other insurers that rate your occupation quite well, and I'll double check what their pricing is and if the exclusion applies then as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Not a problem. Was there anything else in regards to that kit that you wanted to have a chat about? Or\n\nChannel 1: Nope. So only one question now. You will work with getting the price. There's some insured for life cover and TPD to 1.5. That will take effect on the next policy.\n\nWill you be also finding an, I mean, a competitor for me or now or not? Is that an action item or not is my\n\nChannel 0: Yes.\n\nChannel 1: question.\n\nChannel 0: So so with that, like, as a kid, I'll I'll double check with Neos compared to, like, your the information you've given me if we can remove the the spine exclusion given what you've told me. And then I'll also double check on our software there what rates your occupation quite well and then get the pricing from those insurers as to what a policy might cost for the same amount that you currently\n\nChannel 1: Yep.\n\nChannel 0: have, and\n\nChannel 1: Mhmm.\n\nChannel 0: then if that exclusion will likely still apply on. As I said, with NextUp and things like that, even if it's minor, they generally look at that three to five years for, like, reviewing exclusions. And I've I've seen it sort of pushed out to ten for some people as well. Like, it just all depends on how they deem it. But I'll include that.\n\nAnd then with that two kids, did you want this reduction to go through before the advice, or do you want to us to do all the research and we have a conversation with you in that week and a half booking there as well and give you the information on how you'd like to proceed and whether or not you wanna do the quote straight away or wait for the advice on what the recommendation\n\nChannel 1: I see. I want to\n\nChannel 0: was? Because I\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: definitely\n\nChannel 0: do\n\nChannel 1: want\n\nChannel 0: I can\n\nChannel 1: to\n\nChannel 0: do the quote for the\n\nChannel 1: yes.\n\nChannel 0: the the reduction now, and I can get the team to get that off to you, and then we can get that one sorted and then just go from there.\n\nChannel 1: Yes. So this quote has to be or the reduction on this quote has to happen first because\n\nChannel 0: Yep.\n\nChannel 1: nineteenth March, whenever they charge by super, I'd want them to charge the lesser amount for 1,500,000.0. Alright?\n\nChannel 0: Yep. Yeah.\n\nChannel 1: That's how I'm\n\nChannel 0: With\n\nChannel 1: insured.\n\nChannel 0: that dude, just to let you know as well that they do, like, rebate amounts as well. Like, even if you are charged it and you're overcharged and you change it from that, whatever the difference\n\nChannel 1: Yeah.\n\nChannel 0: is, it is, like, aggregate across the days that you hold the policy, but just so\n\nChannel 1: Yeah. It is prorated. So, yeah, I'm\n\nChannel 0: you\n\nChannel 1: fine\n\nChannel 0: are\n\nChannel 1: with\n\nChannel 0: aware.\n\nChannel 1: that. But since we've got time, we've got the whole month, today is what the eighteenth. Right? And precisely, we've got the whole month. Why not get that quote created or, I mean,\n\nChannel 0: Yep.\n\nChannel 1: expedited?\n\nChannel 0: Not a problem at\n\nChannel 1: Yeah.\n\nChannel 0: all.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. No. That's not\n\nChannel 1: Right?\n\nChannel 0: a problem at all,\n\nChannel 1: And\n\nChannel 0: Kage.\n\nChannel 1: then get a comparison also. So before the nineteenth, I would like to see if there's a comparison available. And if there's a comparison available, I would like to take a decision. Yeah.\n\nChannel 0: Yes. So we're doing updating your advice anyway. So I'll get that by our booking on the second there and give you some sort of options in regards to the insurances as well and what sort of the competitive pricing are and if they're willing to remove any of that that exclusion. As far as the quote goes, I'll try and get that sent off to you, like, this afternoon. I just have to do forewarn you that when it comes to even though you're looking at potentially rewriting anyway, when it comes to increasing cover, unless it's under, like, certain life events, you do have to go through underwriting again.\n\nAnd then it's just to be wary of, like I know you've got a bit of debt, but a lot of that is into regards to, like, having an investment property, things like that as well. And you do have quite a bit of savings. So in saying that you're quite well protected in the sense that even with the 1.5, it would cover your primary residence debt and some income replacement for, you know, probably that two to three year mark given that your income's quite high. And then you'd still have, like, your other assets and things like that that you'd have to work with in regards to that and your also your superannuation balance. As long as you're aware and comfortable with that, I'm comfortable just to send you out that quote and look at that reduction.\n\nChannel 1: Yes. Precisely. With all\n\nChannel 0: Yeah.\n\nChannel 1: the truck buses in mind and those numbers put down on paper for me, I think 1.5 is the right sum. There's no point going that far with 1.8.\n\nChannel 0: Yep. Yep. Not a problem at all. As I said, the the cost savings will be around that $400 mark in terms of that for that next rollover amount, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Not a problem at all, Kitch. Was there anything else that you wanted to have a chat about while you've got me there?\n\nChannel 1: Nope. That's it.\n\nChannel 0: Perfect.\n\nChannel 1: And\n\nChannel 0: Well, I'll\n\nChannel 1: then second March now, we've got the date locked in for the quotes compare\n\nChannel 0: Yep.\n\nChannel 1: comparative codes and for the document so that I can understand some numbers.\n\nChannel 0: Yep. As I said, it'll just be some tabled up figures there for you to give you sort of a rough idea of\n\nChannel 1: Yeah.\n\nChannel 0: the different options. It won't be just like the full\n\nChannel 1: Yeah.\n\nChannel 0: reporting and things like that as well. As I said,\n\nChannel 1: Yeah.\n\nChannel 0: it's there.\n\nChannel 1: Yeah.\n\nChannel 0: I've\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: don't\n\nChannel 0: gotta collate it. Yeah.\n\nChannel 1: yeah. Yeah. Yeah. Because, see, on half twenty four, I log in. There are there are a thousand reports there.\n\nChannel 0: Yep.\n\nChannel 1: Right? And I'm not a person who's from the finance world or the field. So those reports really don't make any sense to me. So I want someone\n\nChannel 0: Exactly.\n\nChannel 1: to explain to me\n\nChannel 0: So yeah.\n\nChannel 1: in a little\n\nChannel 0: That's\n\nChannel 1: bit of system. Yeah.\n\nChannel 0: yeah. That's why I wouldn't send you, like, all the reports that I've got because for you, it's probably more confusing than if I simplify it down to the figures that actually matter because the things that spits out, there's a million different things. There's only a few that probably actually you're concerned about or wanna actually hear about if that makes sense\n\nChannel 1: Right.\n\nChannel 0: as well.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: Yep.\n\nChannel 1: Exactly. Precisely.\n\nChannel 0: Yep. Yep. Completely understand, kids. I I know exactly where you're coming from. As I said, it has taken a bit longer, but there there has been a lot of things going on the background.\n\nYeah. Sorry that the business hasn't communicated that properly really in the the newsletters and things like that, but a lot of it, yeah, is sort of stuff that not to concern really the the clients with. Obviously, it does affect you in the background because you're going through the process at the moment. For\n\nChannel 1: Yep.\n\nChannel 0: the large majority, though, it is a little bit out of sight out of mind and normally wants to know when we're switching CRMs and softwares and things like that as well. So, again yep.\n\nChannel 1: Yep.\n\nChannel 0: A little\n\nChannel 1: Not\n\nChannel 0: bit of a\n\nChannel 1: a\n\nChannel 0: lack\n\nChannel 1: problem.\n\nChannel 0: of communication, but, yeah, we're we got it booked in there. We'll get it sorted moving forward.\n\nChannel 1: Yep. And do remember, I think I've unsubscribed to the OQ Financial newsletters. So\n\nChannel 0: Well,\n\nChannel 1: I\n\nChannel 0: yeah, that would\n\nChannel 1: I really totally\n\nChannel 0: play a difference\n\nChannel 1: learn\n\nChannel 0: as well.\n\nChannel 1: communication. Yeah. I totally learn\n\nChannel 0: Yeah.\n\nChannel 1: communication from your side or for anything that impacts me, basically. You know what?\n\nChannel 0: Yeah. Okay. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That\n\nChannel 1: Yeah.\n\nChannel 0: makes a lot more sense there as well, kids. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: yep.\n\nChannel 1: Yeah. Yeah. Newsletters,\n\nChannel 0: Completely\n\nChannel 1: not\n\nChannel 0: understand.\n\nChannel 1: everyone subscribes to kind of thing. Yeah.\n\nChannel 0: Yeah. No. No. That makes a lot more sense there as well. So okay.\n\nNot a not a problem. Well, we got it booked in there in a a week and a half there, and we'll have a bit more of a conversation, or you can have a look at a few\n\nChannel 1: Sure, mate. Not a problem. Thanks, Kyle.\n\nChannel 0: things. No worries. Could you enjoy the rest of your afternoon? Thanks for your time.\n\nChannel 1: Yeah. You too, mate. Cheers. Have a good one. Bye bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.0381978303194046}],"sentiment":"neutral","sentiment_score":0.0381978303194046,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Good afternoon, Kij.","start":3.52,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.2908953130245209},{"text":"It's Carl calling from Oakview Financial.","start":4.3199997,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.2125100021560987},{"text":"How are you today?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.2499161921441555}],"sentiment":"neutral","sentiment_score":0.2421085169682136,"channel":0,"num_words":13,"start":3.52,"end":6.66},{"sentences":[{"text":"Hey.","start":6.96,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.22968462109565735},{"text":"I'm good, Kyle.","start":7.2799997,"end":8.0,"sentiment":"positive","sentiment_score":0.46090864141782123},{"text":"How are you?","start":8.0,"end":8.74,"sentiment":"positive","sentiment_score":0.39355286955833435}],"sentiment":"positive","sentiment_score":0.3990098791463034,"channel":1,"num_words":7,"start":6.96,"end":8.74},{"sentences":[{"text":"Yeah.","start":8.88,"end":9.2,"sentiment":"neutral","sentiment_score":0.20379909873008728},{"text":"Not too bad at all.","start":9.2,"end":9.92,"sentiment":"neutral","sentiment_score":0.299405512213707},{"text":"Thanks for asking, Kij.","start":9.92,"end":11.12,"sentiment":"positive","sentiment_score":0.6069940328598022},{"text":"I've 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to that there, Kitch, we don't send out, like, the entire files, which is why we have to put it into a separate document, which is why I haven't had a chance to do that.","start":88.06,"end":95.585,"sentiment":"neutral","sentiment_score":-0.2783384583890438},{"text":"Yeah.","start":95.585,"end":95.66499,"sentiment":"neutral","sentiment_score":-0.0936671942472458},{"text":"If you don't wanna talk on those and I'll get around to putting it into a document there, then I can have a chat around the insurances tonight.","start":95.66499,"end":101.585,"sentiment":"neutral","sentiment_score":-0.11887181337390627},{"text":"And if you wanna talk about the other stuff at a later date, once I've put that into 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conversation?","start":112.619995,"end":114.32,"sentiment":"neutral","sentiment_score":-0.0037114309546138558}],"sentiment":"neutral","sentiment_score":-0.0008614528342150152,"channel":1,"num_words":20,"start":107.895004,"end":114.32},{"sentences":[{"text":"date.","start":115.24,"end":115.479996,"sentiment":"neutral","sentiment_score":0.002021209336817265},{"text":"Yep.","start":115.479996,"end":115.799995,"sentiment":"neutral","sentiment_score":0.027634426951408383},{"text":"Let me just bring that up here.","start":115.799995,"end":116.92,"sentiment":"neutral","sentiment_score":0.015024642593094282},{"text":"Joseph said we're transferring systems there.","start":116.92,"end":120.895,"sentiment":"neutral","sentiment_score":-0.0067125655089815455},{"text":"So I believe it was at the the January 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month, I kind of expect that there are some details that are put in front of my eyes so that I can look at them.","start":214.675,"end":222.22,"sentiment":"neutral","sentiment_score":-0.3040356997287635},{"text":"Right?","start":222.22,"end":222.62,"sentiment":"neutral","sentiment_score":-0.26577305793762207},{"text":"Is that expectation any wrong?","start":222.62,"end":224.32,"sentiment":"negative","sentiment_score":-0.46525186896324155}],"sentiment":"neutral","sentiment_score":-0.2742274174916333,"channel":1,"num_words":58,"start":208.115,"end":224.32},{"sentences":[{"text":"Because that's the commitment we had from the last 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are","start":230.585,"end":232.105,"sentiment":"negative","sentiment_score":-0.5116758346557617}],"sentiment":"negative","sentiment_score":-0.5116758346557617,"channel":0,"num_words":3,"start":230.585,"end":232.105},{"sentences":[{"text":"this","start":232.045,"end":232.285,"sentiment":"negative","sentiment_score":-0.6195090413093567}],"sentiment":"negative","sentiment_score":-0.6195090413093567,"channel":1,"num_words":1,"start":232.045,"end":232.285},{"sentences":[{"text":"there","start":232.105,"end":232.605,"sentiment":"negative","sentiment_score":-0.6691430807113647}],"sentiment":"negative","sentiment_score":-0.6691430807113647,"channel":0,"num_words":1,"start":232.105,"end":232.605},{"sentences":[{"text":"is a very slow process.","start":232.285,"end":233.665,"sentiment":"negative","sentiment_score":-0.6800378322601318},{"text":"It's moving very slowly and the financial markets do not go over that slow,","start":233.805,"end":238.14499,"sentiment":"negative","sentiment_score":-0.5874542402369636}],"sentiment":"negative","sentiment_score":-0.6118183434009552,"channel":1,"num_words":19,"start":232.285,"end":238.14499},{"sentences":[{"text":"and","start":237.785,"end":238.285,"sentiment":"negative","sentiment_score":-0.38497623801231384}],"sentiment":"negative","sentiment_score":-0.38497623801231384,"channel":0,"num_words":1,"start":237.785,"end":238.285},{"sentences":[{"text":"isn't it?","start":238.285,"end":239.105,"sentiment":"negative","sentiment_score":-0.3651404082775116},{"text":"So I'm not I'm not able to move forward, frankly.","start":239.325,"end":245.22,"sentiment":"negative","sentiment_score":-0.5277561515569686},{"text":"Now with this insurance thing, the Neos insurance, I have received an email from them, so I know what they're charging me for what.","start":246.56,"end":254.58,"sentiment":"neutral","sentiment_score":-0.25477382726967335},{"text":"So I can speak to you with numbers.","start":254.72,"end":256.4,"sentiment":"neutral","sentiment_score":-0.05230733682401478},{"text":"I can refer to you to go to a certain page on that document where you see the same document and I see that the same document and the conversation will flow very fast and we'll have decisions about it.","start":256.4,"end":266.525,"sentiment":"neutral","sentiment_score":-0.048111984087154266}],"sentiment":"neutral","sentiment_score":-0.17220657434137093,"channel":1,"num_words":84,"start":238.285,"end":266.525},{"sentences":[{"text":"Right?","start":266.525,"end":267.025,"sentiment":"neutral","sentiment_score":-0.086928591132164},{"text":"But for the rest of it is a complete black box for me.","start":267.165,"end":271.83,"sentiment":"negative","sentiment_score":-0.6296395200949448},{"text":"And it is it is a 140,000 of my hard earned money, and I'm not","start":273.34998,"end":278.71,"sentiment":"negative","sentiment_score":-0.3768692632516225}],"sentiment":"negative","sentiment_score":-0.48018211383244086,"channel":1,"num_words":29,"start":266.525,"end":278.71},{"sentences":[{"text":"Yep.","start":278.47,"end":278.685,"sentiment":"negative","sentiment_score":-0.34679508209228516}],"sentiment":"negative","sentiment_score":-0.34679508209228516,"channel":0,"num_words":1,"start":278.47,"end":278.685},{"sentences":[{"text":"comfortable it being a black box at all.","start":278.71,"end":280.96997,"sentiment":"negative","sentiment_score":-0.6035754531621933}],"sentiment":"negative","sentiment_score":-0.6035754531621933,"channel":1,"num_words":8,"start":278.71,"end":280.96997},{"sentences":[{"text":"Yep.","start":282.125,"end":282.605,"sentiment":"neutral","sentiment_score":-0.03854444622993469},{"text":"So could you discuss here more personal details there?","start":282.605,"end":285.405,"sentiment":"neutral","sentiment_score":-0.0057661014919479685},{"text":"I'd have to pass you through security just for that name, date of birth, and current address, and then we can go over that.","start":285.405,"end":290.305,"sentiment":"neutral","sentiment_score":0.0013874133583158255}],"sentiment":"neutral","sentiment_score":-0.0016806305605260765,"channel":0,"num_words":34,"start":282.125,"end":290.305},{"sentences":[{"text":"Yes.","start":290.435,"end":290.835,"sentiment":"neutral","sentiment_score":0.04964073374867439},{"text":"My name is Shruti Jibrankar.","start":290.835,"end":292.035,"sentiment":"neutral","sentiment_score":0.04625172466039658},{"text":"Date of birth is sixteen July seventy nine, and full address is 12 Catania, Maryland Springs, Victoria 3023.","start":292.035,"end":297.96,"sentiment":"neutral","sentiment_score":0.029841146224902734}],"sentiment":"neutral","sentiment_score":0.034084999545787774,"channel":1,"num_words":24,"start":290.435,"end":297.96},{"sentences":[{"text":"Perfect.","start":299.02002,"end":299.26,"sentiment":"positive","sentiment_score":0.5752582550048828},{"text":"Thanks.","start":299.26,"end":299.58002,"sentiment":"positive","sentiment_score":0.5648065209388733},{"text":"So I could just let you know if these calls still are recorded there for quality and training.","start":299.58002,"end":302.805,"sentiment":"neutral","sentiment_score":0.147135265585449}],"sentiment":"neutral","sentiment_score":0.1894249778240919,"channel":0,"num_words":20,"start":299.02002,"end":302.805},{"sentences":[{"text":"Yep.","start":302.6,"end":303.1,"sentiment":"neutral","sentiment_score":-0.001482723280787468}],"sentiment":"neutral","sentiment_score":-0.001482723280787468,"channel":1,"num_words":1,"start":302.6,"end":303.1},{"sentences":[{"text":"Now I understand completely what you're saying with that.","start":303.04498,"end":306.405,"sentiment":"neutral","sentiment_score":-0.12911937882502875},{"text":"In regards to what your expectations are, you do have to sort of understand a little bit there that your expectations of what you're receiving as a client are slightly outside of what we normally provide, which does in turn change those time frames as well.","start":306.405,"end":322.19,"sentiment":"neutral","sentiment_score":-0.27675477966018347},{"text":"If we had that general discussion and I made a recommendation from the general discussion from what you're comfortable with as a client and what the recommendation sort of flows towards, then you would just get the document with the one recommendation and the the appendix with","start":322.33002,"end":336.595,"sentiment":"neutral","sentiment_score":-0.07432340767155303}],"sentiment":"neutral","sentiment_score":-0.17045092582702637,"channel":0,"num_words":102,"start":303.04498,"end":336.595},{"sentences":[{"text":"Okay.","start":336.39,"end":336.89,"sentiment":"neutral","sentiment_score":-0.06545024365186691}],"sentiment":"neutral","sentiment_score":-0.06545024365186691,"channel":1,"num_words":1,"start":336.39,"end":336.89},{"sentences":[{"text":"a couple of the alternatives.","start":336.595,"end":337.815,"sentiment":"neutral","sentiment_score":-0.07126128673553467},{"text":"Now to get the comparison between your current versus, like, the SMA we discussed versus, like, an index option versus, like, an active managed option, We can't just send you all those reports because, obviously, it just looks like gibberish.","start":338.195,"end":350.88998,"sentiment":"neutral","sentiment_score":-0.17708028089255096},{"text":"It looks messy, and then it's also just stuff you don't need there as well.","start":350.88998,"end":354.97,"sentiment":"negative","sentiment_score":-0.5274963895479838},{"text":"So as a business, they have an expectation that we put that into a document.","start":354.97,"end":358.43,"sentiment":"neutral","sentiment_score":-0.1534043605128924},{"text":"Now you're turning what","start":358.65,"end":360.09,"sentiment":"neutral","sentiment_score":-0.13155414909124374}],"sentiment":"neutral","sentiment_score":-0.2301170318564282,"channel":0,"num_words":79,"start":336.595,"end":360.09},{"sentences":[{"text":"I'm I'm sorry,","start":359.88998,"end":360.44998,"sentiment":"neutral","sentiment_score":-0.1233624666929245}],"sentiment":"neutral","sentiment_score":-0.1233624666929245,"channel":1,"num_words":3,"start":359.88998,"end":360.44998},{"sentences":[{"text":"it's","start":360.16998,"end":360.555,"sentiment":"neutral","sentiment_score":-0.10011334717273712}],"sentiment":"neutral","sentiment_score":-0.10011334717273712,"channel":0,"num_words":1,"start":360.16998,"end":360.555},{"sentences":[{"text":"Kyle.","start":360.44998,"end":360.94998,"sentiment":"neutral","sentiment_score":-0.1023377850651741},{"text":"I'm I'm sorry, Kyle.","start":361.33,"end":362.12997,"sentiment":"neutral","sentiment_score":-0.10723204910755157},{"text":"I'm going to interrupt.","start":362.12997,"end":363.11,"sentiment":"neutral","sentiment_score":-0.11744682304561138},{"text":"The problem is I've seen this I think it's it's a part of your Oakview Financial training that you work how you work with your clients on phone calls.","start":363.49,"end":374.325,"sentiment":"neutral","sentiment_score":-0.12101139982455764},{"text":"But I want to give you this feedback.","start":374.46503,"end":376.08502,"sentiment":"neutral","sentiment_score":-0.009694750420749187}],"sentiment":"neutral","sentiment_score":-0.09973786678165197,"channel":1,"num_words":46,"start":360.44998,"end":376.08502},{"sentences":[{"text":"You started with something, and wherever you are right now, I have lost you, mate.","start":376.14502,"end":381.31,"sentiment":"neutral","sentiment_score":-0.32479627231756847},{"text":"These are really long winded answers.","start":381.45,"end":383.23,"sentiment":"negative","sentiment_score":-0.6494164864222208},{"text":"I do not understand where you start and where you end, and this is a feedback I have to give to the system, whoever it is.","start":383.37,"end":391.545,"sentiment":"negative","sentiment_score":-0.4549670781080539},{"text":"It's a very long ended long winded answer.","start":392.825,"end":395.545,"sentiment":"negative","sentiment_score":-0.518130574375391},{"text":"I do not understand where you're going with this.","start":395.545,"end":397.725,"sentiment":"negative","sentiment_score":-0.5768666830327775}],"sentiment":"negative","sentiment_score":-0.46772549650631845,"channel":1,"num_words":64,"start":376.14502,"end":397.725},{"sentences":[{"text":"If you have if you say that you what I'm asking that is something not nonstandard, then that's fine.","start":398.18503,"end":407.62997,"sentiment":"neutral","sentiment_score":-0.33277865695325953},{"text":"But you committed to it on the January that, yes, you will prepare some kind of a document and send it across so that in the next call, we can both look at the document and talk.","start":407.69,"end":416.90997,"sentiment":"neutral","sentiment_score":-0.004542138830230043},{"text":"Right?","start":417.51498,"end":418.01498,"sentiment":"neutral","sentiment_score":-0.06425099074840546}],"sentiment":"neutral","sentiment_score":-0.11500183525576926,"channel":1,"num_words":57,"start":398.18503,"end":418.01498},{"sentences":[{"text":"But that this wasn't the call that I scheduled in there, kids, so I have to do","start":417.655,"end":421.175,"sentiment":"neutral","sentiment_score":-0.29660394086557273}],"sentiment":"neutral","sentiment_score":-0.29660394086557273,"channel":0,"num_words":17,"start":417.655,"end":421.175},{"sentences":[{"text":"So","start":421.03497,"end":421.19498,"sentiment":"neutral","sentiment_score":-0.24216043949127197}],"sentiment":"neutral","sentiment_score":-0.24216043949127197,"channel":1,"num_words":1,"start":421.03497,"end":421.19498},{"sentences":[{"text":"stop","start":421.175,"end":421.41498,"sentiment":"neutral","sentiment_score":-0.2557472288608551}],"sentiment":"neutral","sentiment_score":-0.2557472288608551,"channel":0,"num_words":1,"start":421.175,"end":421.41498},{"sentences":[{"text":"so","start":421.19498,"end":421.69498,"sentiment":"neutral","sentiment_score":-0.27881065011024475}],"sentiment":"neutral","sentiment_score":-0.27881065011024475,"channel":1,"num_words":1,"start":421.19498,"end":421.69498},{"sentences":[{"text":"you 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time,","start":427.995,"end":429.275,"sentiment":"neutral","sentiment_score":-0.25107300877571104}],"sentiment":"neutral","sentiment_score":-0.25539375758833355,"channel":1,"num_words":18,"start":424.395,"end":429.275},{"sentences":[{"text":"I","start":429.19,"end":429.69,"sentiment":"neutral","sentiment_score":-0.2403004020452499}],"sentiment":"neutral","sentiment_score":-0.2403004020452499,"channel":0,"num_words":1,"start":429.19,"end":429.69},{"sentences":[{"text":"and then I made that call to book this appointment.","start":429.275,"end":431.69498,"sentiment":"neutral","sentiment_score":-0.20398183912038803}],"sentiment":"neutral","sentiment_score":-0.20398183912038803,"channel":1,"num_words":10,"start":429.275,"end":431.69498},{"sentences":[{"text":"yep.","start":432.79,"end":433.11002,"sentiment":"neutral","sentiment_score":-0.1305931806564331},{"text":"And I've explained","start":433.11002,"end":434.09,"sentiment":"neutral","sentiment_score":-0.04959916944305102}],"sentiment":"neutral","sentiment_score":-0.06984767224639654,"channel":0,"num_words":4,"start":432.79,"end":434.09},{"sentences":[{"text":"Alright.","start":434.11002,"end":434.61002,"sentiment":"neutral","sentiment_score":-0.07396937161684036}],"sentiment":"neutral","sentiment_score":-0.07396937161684036,"channel":1,"num_words":1,"start":434.11002,"end":434.61002},{"sentences":[{"text":"previously that kids just with the business with the changes that have occurred, there is a backlog.","start":434.15002,"end":438.81,"sentiment":"neutral","sentiment_score":-0.19153819496140762},{"text":"And you are, like, at the top of the list in terms of things that are getting done, but you have to understand that with those system changes too that did occur and then the the expectation of 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Kyle.","start":451.305,"end":452.285,"sentiment":"neutral","sentiment_score":-0.23289077480634054},{"text":"You can give me a communication.","start":452.745,"end":454.205,"sentiment":"neutral","sentiment_score":-0.1346638910472393},{"text":"I'm a reasonable guy.","start":454.505,"end":455.54498,"sentiment":"neutral","sentiment_score":-0.11498259659856558},{"text":"If you tell me there's a system change, there's a backlog.","start":455.54498,"end":457.705,"sentiment":"negative","sentiment_score":-0.47537858106873254},{"text":"We need to delay this process by another two weeks.","start":457.705,"end":459.93,"sentiment":"negative","sentiment_score":-0.6497334659099578}],"sentiment":"negative","sentiment_score":-0.40273779729271636,"channel":1,"num_words":34,"start":451.305,"end":459.93},{"sentences":[{"text":"I can understand that.","start":460.09,"end":461.38998,"sentiment":"neutral","sentiment_score":-0.14891061186790466},{"text":"I don't have the 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don't","start":472.65,"end":473.05,"sentiment":"neutral","sentiment_score":-0.23612030595541}],"sentiment":"negative","sentiment_score":-0.3812443103109087,"channel":1,"num_words":28,"start":463.13,"end":473.05},{"sentences":[{"text":"Yep.","start":472.91498,"end":473.41498,"sentiment":"neutral","sentiment_score":-0.19349414110183716}],"sentiment":"neutral","sentiment_score":-0.19349414110183716,"channel":0,"num_words":1,"start":472.91498,"end":473.41498},{"sentences":[{"text":"have communications from you or your system or Oakview Financial as an organization that you guys are going through an overall of your IT systems.","start":473.05,"end":480.745,"sentiment":"neutral","sentiment_score":-0.20436433792114259}],"sentiment":"neutral","sentiment_score":-0.20436433792114259,"channel":1,"num_words":25,"start":473.05,"end":480.745},{"sentences":[{"text":"Yep.","start":481.97,"end":482.45,"sentiment":"neutral","sentiment_score":-0.04313574358820915},{"text":"And with that, yeah, again, that's not as me as an individual to send out those company wide emails.","start":482.45,"end":488.85,"sentiment":"neutral","sentiment_score":-0.17470124481539978},{"text":"So that is part of their monthly newsletters that they do sort of give updates, and they haven't obviously been as forthcoming as what's happening in the background","start":488.85,"end":496.685,"sentiment":"neutral","sentiment_score":-0.13203288840928248}],"sentiment":"neutral","sentiment_score":-0.14707042230293155,"channel":0,"num_words":48,"start":481.97,"end":496.685},{"sentences":[{"text":"That's","start":496.25998,"end":496.75998,"sentiment":"neutral","sentiment_score":-0.042409684509038925}],"sentiment":"neutral","sentiment_score":-0.042409684509038925,"channel":1,"num_words":1,"start":496.25998,"end":496.75998},{"sentences":[{"text":"there as 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yeah.","start":672.85004,"end":678.05005,"sentiment":"neutral","sentiment_score":0.2797193931681769},{"text":"The commencement date's the 2026, and premium date is the nineteenth to the third.","start":678.05005,"end":684.10504,"sentiment":"neutral","sentiment_score":0.22677829542330333},{"text":"So that should be the, yeah, the most up to date one.","start":684.10504,"end":687.965,"sentiment":"positive","sentiment_score":0.3667958850661914}],"sentiment":"neutral","sentiment_score":0.28507238444758626,"channel":0,"num_words":41,"start":672.29004,"end":687.965},{"sentences":[{"text":"Yep.","start":687.9,"end":688.4,"sentiment":"neutral","sentiment_score":0.15888813138008118},{"text":"So see, what I'm looking at is my payment detail is around 4,500 on the 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year.","start":696.94,"end":700.08,"sentiment":"neutral","sentiment_score":0.21321982145309448}],"sentiment":"neutral","sentiment_score":0.1936722674540111,"channel":1,"num_words":14,"start":695.82,"end":700.08},{"sentences":[{"text":"Yep.","start":700.96,"end":701.46,"sentiment":"neutral","sentiment_score":0.07495828717947006}],"sentiment":"neutral","sentiment_score":0.07495828717947006,"channel":0,"num_words":1,"start":700.96,"end":701.46},{"sentences":[{"text":"And what is the rollover amount?","start":702.045,"end":703.885,"sentiment":"neutral","sentiment_score":0.03408212959766388},{"text":"It's a very small question, but what is the payment method rollover and rollover amount is 3,886?","start":703.885,"end":710.605,"sentiment":"neutral","sentiment_score":0.0027532563270891413},{"text":"What is the difference there?","start":710.605,"end":711.905,"sentiment":"neutral","sentiment_score":-0.02697993293404579}],"sentiment":"neutral","sentiment_score":0.004157088231295347,"channel":1,"num_words":28,"start":702.045,"end":711.905},{"sentences":[{"text":"So because you hold the policy within superannuation instead of, like, paying personally out of pocket, you get a 15%, like, tax rebate for holding the policy within superannuation.","start":712.175,"end":721.315,"sentiment":"neutral","sentiment_score":0.12349303452105358}],"sentiment":"neutral","sentiment_score":0.12349303452105358,"channel":0,"num_words":29,"start":712.175,"end":721.315},{"sentences":[{"text":"Mhmm.","start":722.12006,"end":722.62006,"sentiment":"neutral","sentiment_score":0.08994854241609573}],"sentiment":"neutral","sentiment_score":0.08994854241609573,"channel":1,"num_words":1,"start":722.12006,"end":722.62006},{"sentences":[{"text":"So that 15% discount is actually, like, the savings.","start":722.13,"end":725.17004,"sentiment":"neutral","sentiment_score":0.1548667343126403},{"text":"So, technically, the policy cost the policy amount, but you get that rebate by having it in superannuation, which","start":725.17004,"end":731.25,"sentiment":"neutral","sentiment_score":0.11390977039148933}],"sentiment":"neutral","sentiment_score":0.12707450879471643,"channel":0,"num_words":28,"start":722.13,"end":731.25},{"sentences":[{"text":"Okay.","start":731.175,"end":731.675,"sentiment":"neutral","sentiment_score":0.07670149207115173}],"sentiment":"neutral","sentiment_score":0.07670149207115173,"channel":1,"num_words":1,"start":731.175,"end":731.675},{"sentences":[{"text":"is the rollover that's requested from your superannuation to pay for it.","start":731.25,"end":734.71,"sentiment":"neutral","sentiment_score":0.03770030724505583}],"sentiment":"neutral","sentiment_score":0.03770030724505583,"channel":0,"num_words":12,"start":731.25,"end":734.71},{"sentences":[{"text":"Okay.","start":734.455,"end":734.855,"sentiment":"neutral","sentiment_score":0.07040413469076157},{"text":"So the super technician will pay ultimately $3.08 $8.6.95.","start":734.855,"end":738.935,"sentiment":"neutral","sentiment_score":0.0831313787235154},{"text":"Correct?","start":738.935,"end":739.435,"sentiment":"neutral","sentiment_score":0.07030655443668365}],"sentiment":"neutral","sentiment_score":0.0808084634217349,"channel":1,"num_words":11,"start":734.455,"end":739.435},{"sentences":[{"text":"Correct.","start":739.645,"end":740.04504,"sentiment":"neutral","sentiment_score":0.11344461143016817},{"text":"Yep.","start":740.04504,"end":740.54504,"sentiment":"neutral","sentiment_score":0.11335627734661102}],"sentiment":"neutral","sentiment_score":0.11340044438838959,"channel":0,"num_words":2,"start":739.645,"end":740.54504},{"sentences":[{"text":"Okay.","start":740.375,"end":740.855,"sentiment":"neutral","sentiment_score":0.09489051252603532},{"text":"Alright.","start":740.855,"end":741.335,"sentiment":"neutral","sentiment_score":0.1044520139694214},{"text":"So what I'm coming to is now we're going to the cover details.","start":741.335,"end":744.135,"sentiment":"neutral","sentiment_score":0.04547585747562922},{"text":"Alright?","start":744.135,"end":744.455,"sentiment":"neutral","sentiment_score":0.03000231646001339},{"text":"There's one that is for life cover.","start":744.455,"end":746.315,"sentiment":"neutral","sentiment_score":0.008773284764694316}],"sentiment":"neutral","sentiment_score":0.0383453905865874,"channel":1,"num_words":23,"start":740.375,"end":746.315},{"sentences":[{"text":"Yep.","start":749.005,"end":749.325,"sentiment":"neutral","sentiment_score":0.0365825816988945},{"text":"Live TBD and IP, and they all","start":749.325,"end":751.76996,"sentiment":"neutral","sentiment_score":0.015332448429294996}],"sentiment":"neutral","sentiment_score":0.017988715087994933,"channel":0,"num_words":8,"start":749.005,"end":751.76996},{"sentences":[{"text":"Alright?","start":751.72003,"end":752.22003,"sentiment":"neutral","sentiment_score":0.01473694946616888}],"sentiment":"neutral","sentiment_score":0.01473694946616888,"channel":1,"num_words":1,"start":751.72003,"end":752.22003},{"sentences":[{"text":"have their separate sort of breakdowns on what they","start":751.76996,"end":754.08997,"sentiment":"neutral","sentiment_score":-0.012049153654111756}],"sentiment":"neutral","sentiment_score":-0.012049153654111756,"channel":0,"num_words":9,"start":751.76996,"end":754.08997},{"sentences":[{"text":"Got","start":754.04004,"end":754.54004,"sentiment":"neutral","sentiment_score":-0.02179393544793129}],"sentiment":"neutral","sentiment_score":-0.02179393544793129,"channel":1,"num_words":1,"start":754.04004,"end":754.54004},{"sentences":[{"text":"cost in the premium.","start":754.08997,"end":755.05,"sentiment":"neutral","sentiment_score":-0.015439616050571203},{"text":"Yep.","start":755.05,"end":755.55,"sentiment":"neutral","sentiment_score":0.06764975935220718}],"sentiment":"neutral","sentiment_score":0.0011782590299844742,"channel":0,"num_words":5,"start":754.08997,"end":755.55},{"sentences":[{"text":"it.","start":755.24,"end":755.56,"sentiment":"neutral","sentiment_score":0.058632709085941315},{"text":"Got it.","start":755.56,"end":755.80005,"sentiment":"neutral","sentiment_score":0.06981639005243778},{"text":"So I want to break that down now.","start":755.80005,"end":757.56,"sentiment":"neutral","sentiment_score":0.037048607133328915},{"text":"Okay.","start":757.56,"end":758.06,"sentiment":"neutral","sentiment_score":0.05921574681997299},{"text":"Now let's start with the bottom.","start":758.28,"end":762.365,"sentiment":"neutral","sentiment_score":0.0486145435522}],"sentiment":"neutral","sentiment_score":0.04697540857725673,"channel":1,"num_words":18,"start":755.24,"end":762.365},{"sentences":[{"text":"That is the income support cover.","start":762.425,"end":764.285,"sentiment":"neutral","sentiment_score":0.037527186796069145},{"text":"Now","start":764.505,"end":765.005,"sentiment":"neutral","sentiment_score":0.05065076798200607}],"sentiment":"neutral","sentiment_score":0.03940198410834585,"channel":1,"num_words":7,"start":762.425,"end":765.005},{"sentences":[{"text":"Yep.","start":764.57,"end":765.045,"sentiment":"neutral","sentiment_score":0.0760786384344101}],"sentiment":"neutral","sentiment_score":0.0760786384344101,"channel":0,"num_words":1,"start":764.57,"end":765.045},{"sentences":[{"text":"this income support cover, the benefit period is still $8.65, isn't it?","start":765.385,"end":769.705,"sentiment":"neutral","sentiment_score":0.028440636582672596},{"text":"Like nineteen or twenty years.","start":769.705,"end":771.325,"sentiment":"neutral","sentiment_score":0.020013836771249773}],"sentiment":"neutral","sentiment_score":0.025962166049901175,"channel":1,"num_words":17,"start":765.385,"end":771.325},{"sentences":[{"text":"Yep.","start":772.725,"end":773.20496,"sentiment":"neutral","sentiment_score":0.10108320415019988},{"text":"So with that benefit period to age 65, that would mean that if you were to ever end up on a claim, it would pay all the way up until the age of 65.","start":773.20496,"end":782.4,"sentiment":"neutral","sentiment_score":0.0687534404808984},{"text":"Or if you had a conversation with your insurer that worked out some sort of payment, if they just, like, discovered that you would not ever return to work, if that makes sense.","start":782.4,"end":791.04004,"sentiment":"neutral","sentiment_score":-0.3145528936927969},{"text":"So it's","start":791.04004,"end":791.44,"sentiment":"neutral","sentiment_score":0.08165561594069004}],"sentiment":"neutral","sentiment_score":-0.1111176297068596,"channel":0,"num_words":70,"start":772.725,"end":791.44},{"sentences":[{"text":"Yep.","start":791.275,"end":791.775,"sentiment":"neutral","sentiment_score":0.15182501077651978}],"sentiment":"neutral","sentiment_score":0.15182501077651978,"channel":1,"num_words":1,"start":791.275,"end":791.775},{"sentences":[{"text":"the most comprehensive benefit period you can hold on a policy for, like, more recent policies that is.","start":791.44,"end":796.835,"sentiment":"neutral","sentiment_score":0.32152097672224045}],"sentiment":"neutral","sentiment_score":0.32152097672224045,"channel":0,"num_words":18,"start":791.44,"end":796.835},{"sentences":[{"text":"Okay.","start":797.03503,"end":797.53503,"sentiment":"neutral","sentiment_score":0.09444528818130492},{"text":"So, generally, do people really cover themselves up for till 65?","start":797.755,"end":803.05505,"sentiment":"neutral","sentiment_score":-0.01887545328248631},{"text":"I know it's a very personal circumstance question, but I was like, do I really need a cover for till the age of 65 or should I be looking at a roll sorry, income support cover for a rolling five year period?","start":803.18,"end":816.39996,"sentiment":"neutral","sentiment_score":-0.11277063634423982},{"text":"So whenever I lose a job, I'm covered for the next five years.","start":816.815,"end":820.275,"sentiment":"neutral","sentiment_score":-0.17040876413767153},{"text":"It should not take me five years to find a job, so kind of like that.","start":820.495,"end":824.175,"sentiment":"neutral","sentiment_score":-0.2762807561084628}],"sentiment":"neutral","sentiment_score":-0.13837780067360544,"channel":1,"num_words":83,"start":797.03503,"end":824.175},{"sentences":[{"text":"So will that bring the premium down?","start":824.175,"end":827.395,"sentiment":"neutral","sentiment_score":-0.01506364984171731}],"sentiment":"neutral","sentiment_score":-0.01506364984171731,"channel":1,"num_words":7,"start":824.175,"end":827.395},{"sentences":[{"text":"That income support code, let me just touch on that first.","start":827.405,"end":830.37,"sentiment":"neutral","sentiment_score":-0.06871513260359113},{"text":"It's not for redundancy and not finding a job.","start":830.45,"end":832.85,"sentiment":"negative","sentiment_score":-0.3369692928261227},{"text":"It's if you're sick or injured to where you can't perform a job.","start":832.85,"end":835.89,"sentiment":"negative","sentiment_score":-0.33624044289955723},{"text":"So it doesn't count for, like, redundancy.","start":835.89,"end":837.67,"sentiment":"neutral","sentiment_score":-0.2237927849803652},{"text":"There are certain, like, redundancy covers to where if you aren't within a job at the time, you can still pay a premium.","start":838.21,"end":844.79,"sentiment":"neutral","sentiment_score":-0.12182530501614446}],"sentiment":"neutral","sentiment_score":-0.19886106923813857,"channel":0,"num_words":63,"start":827.405,"end":844.79},{"sentences":[{"text":"Back.","start":845.54504,"end":845.945,"sentiment":"neutral","sentiment_score":-0.061868950724601746},{"text":"But in saying that, the income support covers for if you're sick or injured.","start":845.945,"end":849.48505,"sentiment":"neutral","sentiment_score":-0.14177800848015717},{"text":"So if you're out of work for a period of time, you can't claim on your income protection cover for that.","start":849.625,"end":854.28503,"sentiment":"neutral","sentiment_score":-0.25162075495436076},{"text":"But the second part there in regards to benefit period, you're right.","start":854.585,"end":858.905,"sentiment":"neutral","sentiment_score":0.013866137092312178},{"text":"Sort of some people do decide to go for the more five year because if you hurt yourself, kids, and you're unable to work, there's a high likelihood that no matter what the injury, you're either back at work in that five year period or you might be looking down the route to total permanent disablement and making a claim that way.","start":858.905,"end":876.545,"sentiment":"negative","sentiment_score":-0.3937122713654272}],"sentiment":"neutral","sentiment_score":-0.287041491845792,"channel":0,"num_words":110,"start":845.54504,"end":876.545},{"sentences":[{"text":"If you're on claim for more than five years for income protection cover, there's a likelihood that you might never go back to work, and you might never go back to work, like, in a role or a similar role to you're currently working, if that makes","start":876.545,"end":888.42,"sentiment":"negative","sentiment_score":-0.4172684949763278}],"sentiment":"negative","sentiment_score":-0.4172684949763278,"channel":0,"num_words":47,"start":876.545,"end":888.42},{"sentences":[{"text":"Yeah.","start":889.01,"end":889.25,"sentiment":"neutral","sentiment_score":-0.08575421571731567},{"text":"Yeah.","start":889.25,"end":889.57,"sentiment":"neutral","sentiment_score":-0.06575634330511093},{"text":"Okay.","start":889.57,"end":889.89,"sentiment":"neutral","sentiment_score":-0.09539227932691574},{"text":"So this but because it says special conditions","start":889.89,"end":893.57,"sentiment":"neutral","sentiment_score":-0.06644086353480816}],"sentiment":"neutral","sentiment_score":-0.07076634060252797,"channel":1,"num_words":11,"start":889.01,"end":893.57},{"sentences":[{"text":"sense.","start":893.2,"end":893.7,"sentiment":"neutral","sentiment_score":-0.08709856122732162}],"sentiment":"neutral","sentiment_score":-0.08709856122732162,"channel":0,"num_words":1,"start":893.2,"end":893.7},{"sentences":[{"text":"loading and exclusions, it says no","start":893.57,"end":896.23,"sentiment":"neutral","sentiment_score":-0.11531533176700275}],"sentiment":"neutral","sentiment_score":-0.11531533176700275,"channel":1,"num_words":6,"start":893.57,"end":896.23},{"sentences":[{"text":"Mhmm.","start":895.76,"end":896.26,"sentiment":"neutral","sentiment_score":-0.12747912108898163}],"sentiment":"neutral","sentiment_score":-0.12747912108898163,"channel":0,"num_words":1,"start":895.76,"end":896.26},{"sentences":[{"text":"no claim shall be payable under the insured benefits whether condition of event or event giving rise to the claim results from any disease, condition or disorder or lumbar support, it's intervertebral discs, joints, no root spinal cord or supportive musculature or ligaments or any treatment surgery complications thereof.","start":896.61,"end":919.8,"sentiment":"neutral","sentiment_score":-0.19750258280914657},{"text":"So then what is the income?","start":920.02,"end":921.48,"sentiment":"neutral","sentiment_score":-0.08649535042544206},{"text":"What defines what am I going off my income for if it's an injury?","start":922.33997,"end":926.36,"sentiment":"neutral","sentiment_score":-0.10858989027994019},{"text":"Then if they've taken excluded all the main injuries out, then what's the point?","start":926.985,"end":932.125,"sentiment":"neutral","sentiment_score":-0.08562502637505531}],"sentiment":"neutral","sentiment_score":-0.15560972883579244,"channel":1,"num_words":83,"start":896.61,"end":932.125},{"sentences":[{"text":"So that specific exclusion is related to that lumbar spine exclusion that you got when you originally took out the policy just due to previous health.","start":933.00494,"end":941.5,"sentiment":"neutral","sentiment_score":-0.31918625361644304},{"text":"So with that too, Kij, if you got into a car accident and broke your back and it's related specifically to the car accident, not your preexisting injury that did occur to your your spinal region, you'd still be covered under your income protection policy.","start":941.80005,"end":954.975,"sentiment":"neutral","sentiment_score":-0.2376881026559406},{"text":"It's just anything and any condition that is related specifically to what was preexisting","start":954.975,"end":960.27496,"sentiment":"neutral","sentiment_score":-0.21821602433919907}],"sentiment":"neutral","sentiment_score":-0.2594097829916898,"channel":0,"num_words":85,"start":933.00494,"end":960.27496},{"sentences":[{"text":"I don't","start":960.285,"end":960.685,"sentiment":"negative","sentiment_score":-0.3473331332206726}],"sentiment":"negative","sentiment_score":-0.3473331332206726,"channel":1,"num_words":2,"start":960.285,"end":960.685},{"sentences":[{"text":"in","start":960.495,"end":960.735,"sentiment":"neutral","sentiment_score":-0.330810010433197}],"sentiment":"neutral","sentiment_score":-0.330810010433197,"channel":0,"num_words":1,"start":960.495,"end":960.735},{"sentences":[{"text":"have","start":960.685,"end":960.925,"sentiment":"neutral","sentiment_score":-0.288734495639801}],"sentiment":"neutral","sentiment_score":-0.288734495639801,"channel":1,"num_words":1,"start":960.685,"end":960.925},{"sentences":[{"text":"those","start":960.735,"end":960.975,"sentiment":"neutral","sentiment_score":-0.3145682215690613}],"sentiment":"neutral","sentiment_score":-0.3145682215690613,"channel":0,"num_words":1,"start":960.735,"end":960.975},{"sentences":[{"text":"an","start":960.925,"end":961.08496,"sentiment":"neutral","sentiment_score":-0.29052457213401794}],"sentiment":"neutral","sentiment_score":-0.29052457213401794,"channel":1,"num_words":1,"start":960.925,"end":961.08496},{"sentences":[{"text":"numbers.","start":960.975,"end":961.475,"sentiment":"neutral","sentiment_score":-0.3185431957244873}],"sentiment":"neutral","sentiment_score":-0.3185431957244873,"channel":0,"num_words":1,"start":960.975,"end":961.475},{"sentences":[{"text":"injury.","start":961.08496,"end":961.58496,"sentiment":"neutral","sentiment_score":-0.2188156545162201},{"text":"I don't know how this has come on record.","start":961.805,"end":963.745,"sentiment":"neutral","sentiment_score":-0.31718254420492387},{"text":"I don't have an injury.","start":964.045,"end":965.245,"sentiment":"neutral","sentiment_score":-0.32197134494781493},{"text":"What I was told was at that time, I used to go for whatever","start":965.245,"end":969.86,"sentiment":"neutral","sentiment_score":-0.12177856053624835}],"sentiment":"neutral","sentiment_score":-0.22028328015886503,"channel":1,"num_words":29,"start":961.08496,"end":969.86},{"sentences":[{"text":"To the chiropractor.","start":969.47,"end":970.37,"sentiment":"neutral","sentiment_score":-0.07579497247934341}],"sentiment":"neutral","sentiment_score":-0.07579497247934341,"channel":0,"num_words":3,"start":969.47,"end":970.37},{"sentences":[{"text":"chiropractor.","start":969.92,"end":970.42,"sentiment":"neutral","sentiment_score":-0.05563456937670708},{"text":"Yeah.","start":970.96,"end":971.46,"sentiment":"neutral","sentiment_score":-0.03681015223264694}],"sentiment":"neutral","sentiment_score":-0.04622236080467701,"channel":1,"num_words":2,"start":969.92,"end":971.46},{"sentences":[{"text":"Yep.","start":970.99,"end":971.49,"sentiment":"neutral","sentiment_score":-0.016454072669148445}],"sentiment":"neutral","sentiment_score":-0.016454072669148445,"channel":0,"num_words":1,"start":970.99,"end":971.49},{"sentences":[{"text":"And the exclusion of this thing was only for one year.","start":971.92,"end":975.68,"sentiment":"neutral","sentiment_score":-0.19013674557209015},{"text":"This is my second year.","start":975.68,"end":977.14,"sentiment":"neutral","sentiment_score":-0.12222079336643218},{"text":"Right?","start":978.64,"end":979.04,"sentiment":"neutral","sentiment_score":-0.03271164372563362},{"text":"I I came on board on twenty four February.","start":979.04,"end":981.54,"sentiment":"neutral","sentiment_score":0.02992016573746999},{"text":"So this is my third year.","start":981.765,"end":983.125,"sentiment":"neutral","sentiment_score":0.014393720775842667}],"sentiment":"neutral","sentiment_score":-0.07436487486120313,"channel":1,"num_words":32,"start":971.92,"end":983.125},{"sentences":[{"text":"So the third year is going to start from nineteenth March twenty twenty six.","start":983.125,"end":986.585,"sentiment":"neutral","sentiment_score":0.008499867149761744},{"text":"And I was told that the exclusion I mean, this exclusion would be only for the first two years or something or first one year or something.","start":986.885,"end":993.385,"sentiment":"neutral","sentiment_score":-0.2628831339103204},{"text":"Why is it being carried forward?","start":993.525,"end":994.885,"sentiment":"negative","sentiment_score":-0.4540143708388011},{"text":"And that's where my confusion 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apply at some point if you're not touching tobacco at all.","start":1292.4349,"end":1296.5299,"sentiment":"neutral","sentiment_score":-0.024240474837521713},{"text":"So it doesn't matter if it's one a day, if it's 20 a day.","start":1296.9099,"end":1299.23,"sentiment":"neutral","sentiment_score":-0.02035881015139499},{"text":"It just it's smokers' rates.","start":1299.23,"end":1300.59,"sentiment":"neutral","sentiment_score":-0.04695177897810936},{"text":"It's smokers' rates.","start":1300.59,"end":1301.5499,"sentiment":"neutral","sentiment_score":-0.06358032549420993},{"text":"And if you don't smoke within a twelve month period, that also is something that we can look at getting removed, 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on price.","start":1315.195,"end":1318.015,"sentiment":"neutral","sentiment_score":0.021823058370500803},{"text":"So with that one there as well bear with me.","start":1319.9149,"end":1322.315,"sentiment":"neutral","sentiment_score":0.03516992293298245}],"sentiment":"neutral","sentiment_score":0.0024720742367208004,"channel":0,"num_words":48,"start":1306.11,"end":1322.315},{"sentences":[{"text":"I'll just bring up the old one again.","start":1322.315,"end":1326.74,"sentiment":"neutral","sentiment_score":-0.0028488582465797663},{"text":"And then still just a a social drinker not having too many drinks on the average.","start":1329.3201,"end":1334.3,"sentiment":"neutral","sentiment_score":-0.00520438002422452}],"sentiment":"neutral","sentiment_score":-0.0044192060983429355,"channel":0,"num_words":24,"start":1322.315,"end":1334.3},{"sentences":[{"text":"Yep.","start":1334.79,"end":1335.29,"sentiment":"neutral","sentiment_score":0.054738640785217285},{"text":"No changes to the 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have.","start":1901.16,"end":1901.8201,"sentiment":"neutral","sentiment_score":0.1327415034174919},{"text":"But is there any way that I can lower that premium, which means I have to lower the sum insured is what I understand.","start":1902.04,"end":1908.2201,"sentiment":"neutral","sentiment_score":0.014549183969696363}],"sentiment":"neutral","sentiment_score":0.026517486864967004,"channel":1,"num_words":28,"start":1900.025,"end":1908.2201},{"sentences":[{"text":"We can change that benefit period too.","start":1908.965,"end":1911.045,"sentiment":"neutral","sentiment_score":0.16997596195765904},{"text":"So if you knocked it down to that five years, your current policy is sitting around that 4,500 mark, it would drop it down to, like, the $34.50, so $3,450 sort of mark as, like, a rough estimate.","start":1911.045,"end":1923.72,"sentiment":"neutral","sentiment_score":-0.1192546240054071},{"text":"If you were to just put that benefit period down to the five years and be comfortable with that, if you were to end up on a claim, it would only pay for five years maximum.","start":1923.94,"end":1931.88,"sentiment":"neutral","sentiment_score":-0.08634111285209656}],"sentiment":"neutral","sentiment_score":-0.07963116100218928,"channel":0,"num_words":81,"start":1908.965,"end":1931.88},{"sentences":[{"text":"Oh, and I cannot revisit this in after the sixth I mean, the starting of the sixth year and say, okay.","start":1932.95,"end":1938.39,"sentiment":"negative","sentiment_score":-0.3605441805862245},{"text":"Roll it for another five.","start":1938.39,"end":1939.77,"sentiment":"negative","sentiment_score":-0.3705290138721466},{"text":"I can't.","start":1940.07,"end":1940.625,"sentiment":"negative","sentiment_score":-0.3572545647621155},{"text":"Right?","start":1940.945,"end":1941.445,"sentiment":"neutral","sentiment_score":-0.14417196810245514}],"sentiment":"negative","sentiment_score":-0.3545777227344184,"channel":1,"num_words":29,"start":1932.95,"end":1941.445},{"sentences":[{"text":"But, like, explain that again, sir.","start":1943.315,"end":1944.835,"sentiment":"neutral","sentiment_score":-0.15418555463353792},{"text":"Just like, so as in, like, you have a policy, it pays for five years, and then you start again for another five years.","start":1944.835,"end":1950.28,"sentiment":"neutral","sentiment_score":-0.12735140416771173},{"text":"Is that what you're 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'6,","start":1955.64,"end":1956.36,"sentiment":"neutral","sentiment_score":-0.031634571651617684}],"sentiment":"neutral","sentiment_score":-0.06023102988930125,"channel":1,"num_words":19,"start":1951.425,"end":1956.36},{"sentences":[{"text":"Yep.","start":1956.12,"end":1956.62,"sentiment":"neutral","sentiment_score":-0.02430066838860512}],"sentiment":"neutral","sentiment_score":-0.02430066838860512,"channel":0,"num_words":1,"start":1956.12,"end":1956.62},{"sentences":[{"text":"'27, '28, '29, and '30, the five","start":1956.36,"end":1959.0801,"sentiment":"neutral","sentiment_score":-0.03869508100407464}],"sentiment":"neutral","sentiment_score":-0.03869508100407464,"channel":1,"num_words":7,"start":1956.36,"end":1959.0801},{"sentences":[{"text":"Yep.","start":1958.84,"end":1959.34,"sentiment":"neutral","sentiment_score":-0.029900792986154556}],"sentiment":"neutral","sentiment_score":-0.029900792986154556,"channel":0,"num_words":1,"start":1958.84,"end":1959.34},{"sentences":[{"text":"years, I'm in I'm covered for the support, you know, income support cover.","start":1959.0801,"end":1963.42,"sentiment":"neutral","sentiment_score":-0.09156349014777404},{"text":"And in '31, it is not there on my policy.","start":1963.56,"end":1966.28,"sentiment":"neutral","sentiment_score":-0.22115312814712523},{"text":"And then I can I ask for another five years later on if I","start":1966.28,"end":1969.865,"sentiment":"neutral","sentiment_score":-0.11784102767705917}],"sentiment":"neutral","sentiment_score":-0.13653056867219307,"channel":1,"num_words":37,"start":1959.0801,"end":1969.865},{"sentences":[{"text":"So","start":1969.8351,"end":1970.2351,"sentiment":"neutral","sentiment_score":-0.10015790164470673}],"sentiment":"neutral","sentiment_score":-0.10015790164470673,"channel":0,"num_words":1,"start":1969.8351,"end":1970.2351},{"sentences":[{"text":"have not claimed","start":1969.865,"end":1970.505,"sentiment":"neutral","sentiment_score":-0.17098001142342886}],"sentiment":"neutral","sentiment_score":-0.17098001142342886,"channel":1,"num_words":3,"start":1969.865,"end":1970.505},{"sentences":[{"text":"that","start":1970.2351,"end":1970.4751,"sentiment":"neutral","sentiment_score":-0.17306074500083923}],"sentiment":"neutral","sentiment_score":-0.17306074500083923,"channel":0,"num_words":1,"start":1970.2351,"end":1970.4751},{"sentences":[{"text":"them 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up to that even if you don't like, all the way up to the age of that 65, I believe it is for Niels.","start":1987.765,"end":1994.665,"sentiment":"neutral","sentiment_score":0.01038499060086906}],"sentiment":"neutral","sentiment_score":-0.20936550194356632,"channel":0,"num_words":91,"start":1971.3551,"end":1994.665},{"sentences":[{"text":"Don't quote me entirely because I'm not looking at the PDFs, but the policy would hold to that age.","start":1994.725,"end":1999.75,"sentiment":"neutral","sentiment_score":-0.07329569521703218},{"text":"But it's just specifically if you're on claim.","start":1999.75,"end":2002.4701,"sentiment":"neutral","sentiment_score":-0.09718694910407066},{"text":"So if you broke a leg or something like that and were unable to work for three months because you couldn't, you know, get into your workplace or get into your car, you could essentially end up on a claim.","start":2002.4701,"end":2012.965,"sentiment":"negative","sentiment_score":-0.3570437267422676},{"text":"And then that claim could pay for three months and then say you're off claim, your policy would still be enforced, and you wouldn't lose that policy.","start":2013.1849,"end":2020.405,"sentiment":"neutral","sentiment_score":-0.039699483990531276}],"sentiment":"neutral","sentiment_score":-0.18642286105735345,"channel":0,"num_words":94,"start":1994.725,"end":2020.405},{"sentences":[{"text":"Yep.","start":2020.705,"end":2021.205,"sentiment":"neutral","sentiment_score":0.07386893033981323}],"sentiment":"neutral","sentiment_score":0.07386893033981323,"channel":1,"num_words":1,"start":2020.705,"end":2021.205},{"sentences":[{"text":"It would just mean that you've had a claim that paid for three months.","start":2020.705,"end":2025.345,"sentiment":"neutral","sentiment_score":-0.004367154224642685},{"text":"Now if you injure yourself in a car accident when I'm able to work and you end up on a claim, you could be getting paid for your income protection support cover for five years.","start":2025.345,"end":2034.25,"sentiment":"neutral","sentiment_score":0.002749506916318621},{"text":"But then after that, if you haven't returned to work, it doesn't matter.","start":2034.25,"end":2037.5299,"sentiment":"neutral","sentiment_score":0.003039706999865863},{"text":"They're gonna cut that payment off at that five year mark, and then you can't claim additionally again on that and ask for another five years, if that makes sense.","start":2037.5299,"end":2046.345,"sentiment":"neutral","sentiment_score":-0.02810735342403253}],"sentiment":"neutral","sentiment_score":-0.008354476399962668,"channel":0,"num_words":92,"start":2020.705,"end":2046.345},{"sentences":[{"text":"Yeah.","start":2046.385,"end":2046.785,"sentiment":"neutral","sentiment_score":-0.01741815358400345}],"sentiment":"neutral","sentiment_score":-0.01741815358400345,"channel":1,"num_words":1,"start":2046.385,"end":2046.785},{"sentences":[{"text":"If you were","start":2046.405,"end":2046.9651,"sentiment":"neutral","sentiment_score":-0.06156829744577408}],"sentiment":"neutral","sentiment_score":-0.06156829744577408,"channel":0,"num_words":3,"start":2046.405,"end":2046.9651},{"sentences":[{"text":"Yeah.","start":2046.785,"end":2046.865,"sentiment":"neutral","sentiment_score":-0.04097483307123184},{"text":"Yeah.","start":2046.865,"end":2046.945,"sentiment":"neutral","sentiment_score":-0.061281703412532806},{"text":"Alright.","start":2046.945,"end":2047.445,"sentiment":"neutral","sentiment_score":-0.0650503858923912}],"sentiment":"neutral","sentiment_score":-0.055768974125385284,"channel":1,"num_words":3,"start":2046.785,"end":2047.445},{"sentences":[{"text":"to reinjure yourself with something else, you potentially could make another claim for something else or a different injury, but it wouldn't be likely to the same injury, if that makes sense.","start":2046.9651,"end":2055.6,"sentiment":"neutral","sentiment_score":-0.1970097734592855}],"sentiment":"neutral","sentiment_score":-0.1970097734592855,"channel":0,"num_words":32,"start":2046.9651,"end":2055.6},{"sentences":[{"text":"Yep.","start":2057.425,"end":2057.665,"sentiment":"neutral","sentiment_score":0.03918011114001274},{"text":"Yep.","start":2057.665,"end":2058.165,"sentiment":"neutral","sentiment_score":0.053217824548482895},{"text":"Alright.","start":2058.225,"end":2058.725,"sentiment":"neutral","sentiment_score":0.09560193866491318},{"text":"So let's move on.","start":2058.8901,"end":2059.77,"sentiment":"neutral","sentiment_score":0.08126594685018063},{"text":"I'll leave the income protection as is.","start":2059.77,"end":2061.71,"sentiment":"neutral","sentiment_score":0.05153383953230722}],"sentiment":"neutral","sentiment_score":0.062414324177162986,"channel":1,"num_words":14,"start":2057.425,"end":2061.71},{"sentences":[{"text":"It has an in some insured of $8.09 $7.03.","start":2063.37,"end":2066.75,"sentiment":"neutral","sentiment_score":0.022442194529705577},{"text":"Is that","start":2066.81,"end":2067.21,"sentiment":"neutral","sentiment_score":0.03603958711028099}],"sentiment":"neutral","sentiment_score":0.024914447726173836,"channel":1,"num_words":11,"start":2063.37,"end":2067.21},{"sentences":[{"text":"Yep.","start":2067.04,"end":2067.54,"sentiment":"neutral","sentiment_score":0.04072299227118492}],"sentiment":"neutral","sentiment_score":0.04072299227118492,"channel":0,"num_words":1,"start":2067.04,"end":2067.54},{"sentences":[{"text":"the amount in such a claim in such case of a claim, $8.09 $7.03 is the four months sub insured?","start":2067.21,"end":2073.1501,"sentiment":"neutral","sentiment_score":0.05211611557751894}],"sentiment":"neutral","sentiment_score":0.05211611557751894,"channel":1,"num_words":20,"start":2067.21,"end":2073.1501},{"sentences":[{"text":"So that's the monthly benefit.","start":2074.575,"end":2076.095,"sentiment":"neutral","sentiment_score":0.1110459566116333},{"text":"Obviously, tax comes into it, but that's the monthly amount you would receive if you were to make a successful claim, if that makes","start":2076.095,"end":2082.87,"sentiment":"neutral","sentiment_score":0.1647268768089513}],"sentiment":"neutral","sentiment_score":0.1554715457404482,"channel":0,"num_words":29,"start":2074.575,"end":2082.87},{"sentences":[{"text":"Yep.","start":2082.9348,"end":2083.1748,"sentiment":"neutral","sentiment_score":0.06681904196739197},{"text":"Yeah.","start":2083.1748,"end":2083.4148,"sentiment":"neutral","sentiment_score":0.09746713936328888}],"sentiment":"neutral","sentiment_score":0.08214309066534042,"channel":1,"num_words":2,"start":2082.9348,"end":2083.4148},{"sentences":[{"text":"sense.","start":2083.25,"end":2083.75,"sentiment":"neutral","sentiment_score":0.04375530779361725}],"sentiment":"neutral","sentiment_score":0.04375530779361725,"channel":0,"num_words":1,"start":2083.25,"end":2083.75},{"sentences":[{"text":"Okay.","start":2083.4148,"end":2083.9148,"sentiment":"neutral","sentiment_score":0.020280882716178898},{"text":"So how is that number derived?","start":2084.1348,"end":2087.6548,"sentiment":"neutral","sentiment_score":-0.00919015302012364},{"text":"Is it derived because it's such an odd number, $8.09 $7.03?","start":2087.6548,"end":2090.99,"sentiment":"neutral","sentiment_score":-0.048263953321359375}],"sentiment":"neutral","sentiment_score":-0.03143130677441756,"channel":1,"num_words":18,"start":2083.4148,"end":2090.99},{"sentences":[{"text":"So the way that works is when they originally do the application, you do it for 70% of your current income.","start":2092.1301,"end":2099.985,"sentiment":"neutral","sentiment_score":0.1399636013167245},{"text":"So 70%","start":2099.985,"end":2100.7852,"sentiment":"neutral","sentiment_score":0.06869633123278618}],"sentiment":"neutral","sentiment_score":0.13376644739638205,"channel":0,"num_words":23,"start":2092.1301,"end":2100.7852},{"sentences":[{"text":"Oh,","start":2100.73,"end":2100.8901,"sentiment":"neutral","sentiment_score":0.21217767894268036}],"sentiment":"neutral","sentiment_score":0.21217767894268036,"channel":1,"num_words":1,"start":2100.73,"end":2100.8901},{"sentences":[{"text":"of","start":2100.7852,"end":2100.945,"sentiment":"neutral","sentiment_score":0.1977183222770691}],"sentiment":"neutral","sentiment_score":0.1977183222770691,"channel":0,"num_words":1,"start":2100.7852,"end":2100.945},{"sentences":[{"text":"okay.","start":2100.8901,"end":2101.3901,"sentiment":"neutral","sentiment_score":0.20374011993408203}],"sentiment":"neutral","sentiment_score":0.20374011993408203,"channel":1,"num_words":1,"start":2100.8901,"end":2101.3901},{"sentences":[{"text":"whatever your current income was at the time, because you can only do up to 70% of your income because if people are getting a 100% of their income, you know, they're just gonna keep trying to stay on claim because you're not you're you're getting a full full ride, basically.","start":2100.945,"end":2113.05,"sentiment":"neutral","sentiment_score":0.14985055359555224},{"text":"Whereas if it's 70%, it's more enticing for people to return to work because you're missing out on a certain level of your pay packet even if you're not working, So trying to get people back at work.","start":2113.11,"end":2123.865,"sentiment":"positive","sentiment_score":0.3556753493061191},{"text":"Now with that premium amount there as well and with the the sum insured because you have CPI on that as well, whatever they deem the CPI rate to be, whether it's, like, they're doing, like, the aiming for the cash rate or things like that, it increases your policy each year by, like, two to 5% depending on what the markets are doing and what things are doing in general.","start":2124.005,"end":2144.49,"sentiment":"neutral","sentiment_score":0.2208260178146228},{"text":"Now so your policy does creep up in terms of, like, how much you're covered for in addition to, obviously, it goes up in price for not only the what the government's doing, what the taxes are at the time, and then also your age as it get up it gets older, and then the amount that goes up goes up a little bit well as as well.","start":2144.71,"end":2163.845,"sentiment":"neutral","sentiment_score":-0.18695121817290783}],"sentiment":"neutral","sentiment_score":0.10580704357932534,"channel":0,"num_words":228,"start":2100.945,"end":2163.845},{"sentences":[{"text":"So you'll notice even with your life and TPD, that does creep up a little bit each year.","start":2163.845,"end":2168.95,"sentiment":"negative","sentiment_score":-0.3766863528225157}],"sentiment":"negative","sentiment_score":-0.3766863528225157,"channel":0,"num_words":18,"start":2163.845,"end":2168.95},{"sentences":[{"text":"Alright.","start":2169.335,"end":2169.835,"sentiment":"neutral","sentiment_score":-0.08008261770009995},{"text":"Okay.","start":2170.055,"end":2170.455,"sentiment":"neutral","sentiment_score":-0.08262264728546143},{"text":"So there's not much that we can do for the income support cover.","start":2170.455,"end":2173.62,"sentiment":"neutral","sentiment_score":-0.31392152263567996},{"text":"Alright.","start":2173.9402,"end":2174.1802,"sentiment":"neutral","sentiment_score":-0.015275448560714722},{"text":"And so let's","start":2174.1802,"end":2175.4602,"sentiment":"neutral","sentiment_score":0.00863846018910408}],"sentiment":"neutral","sentiment_score":-0.2227918488022528,"channel":1,"num_words":19,"start":2169.335,"end":2175.4602},{"sentences":[{"text":"You","start":2175.4102,"end":2175.6501,"sentiment":"neutral","sentiment_score":0.013551607728004456}],"sentiment":"neutral","sentiment_score":0.013551607728004456,"channel":0,"num_words":1,"start":2175.4102,"end":2175.6501},{"sentences":[{"text":"move","start":2175.4602,"end":2175.7002,"sentiment":"neutral","sentiment_score":0.05708040669560432}],"sentiment":"neutral","sentiment_score":0.05708040669560432,"channel":1,"num_words":1,"start":2175.4602,"end":2175.7002},{"sentences":[{"text":"could","start":2175.6501,"end":2175.8901,"sentiment":"neutral","sentiment_score":0.10520575940608978}],"sentiment":"neutral","sentiment_score":0.10520575940608978,"channel":0,"num_words":1,"start":2175.6501,"end":2175.8901},{"sentences":[{"text":"on to","start":2175.7002,"end":2176.1,"sentiment":"neutral","sentiment_score":0.05691428855061531}],"sentiment":"neutral","sentiment_score":0.05691428855061531,"channel":1,"num_words":2,"start":2175.7002,"end":2176.1},{"sentences":[{"text":"do","start":2175.8901,"end":2176.1301,"sentiment":"neutral","sentiment_score":0.020400986075401303}],"sentiment":"neutral","sentiment_score":0.020400986075401303,"channel":0,"num_words":1,"start":2175.8901,"end":2176.1301},{"sentences":[{"text":"that.","start":2176.1,"end":2176.6,"sentiment":"neutral","sentiment_score":0.00925704464316368}],"sentiment":"neutral","sentiment_score":0.00925704464316368,"channel":1,"num_words":1,"start":2176.1,"end":2176.6},{"sentences":[{"text":"the you could do the five year benefit if you'd like.","start":2176.1301,"end":2179.19,"sentiment":"neutral","sentiment_score":0.06027158112688498}],"sentiment":"neutral","sentiment_score":0.06027158112688498,"channel":0,"num_words":11,"start":2176.1301,"end":2179.19},{"sentences":[{"text":"No.","start":2179.9402,"end":2180.26,"sentiment":"negative","sentiment_score":-0.3421424627304077},{"text":"I'll just leave it because, see, even if it is a five year benefit, it's still going to charge they're still going to charge me some amount on the policy.","start":2180.26,"end":2186.58,"sentiment":"neutral","sentiment_score":-0.2875971292455991},{"text":"Right?","start":2186.58,"end":2187.08,"sentiment":"neutral","sentiment_score":-0.09632904082536696}],"sentiment":"neutral","sentiment_score":-0.2833245431538671,"channel":1,"num_words":32,"start":2179.9402,"end":2187.08},{"sentences":[{"text":"Yep.","start":2188.835,"end":2189.335,"sentiment":"neutral","sentiment_score":-0.04473156854510307},{"text":"As","start":2189.475,"end":2189.795,"sentiment":"neutral","sentiment_score":-0.05574272945523262}],"sentiment":"neutral","sentiment_score":-0.05023714900016785,"channel":0,"num_words":2,"start":2188.835,"end":2189.795},{"sentences":[{"text":"Yeah.","start":2189.7249,"end":2190.2249,"sentiment":"neutral","sentiment_score":-0.017869507893919945}],"sentiment":"neutral","sentiment_score":-0.017869507893919945,"channel":1,"num_words":1,"start":2189.7249,"end":2190.2249},{"sentences":[{"text":"as I said, yeah.","start":2189.795,"end":2190.595,"sentiment":"neutral","sentiment_score":-0.04415226075798273},{"text":"So, like, if you were to change it to from the age 65 to a five year benefit, it's about a a thousand dollar sorta difference in in premium just based","start":2190.595,"end":2200.02,"sentiment":"neutral","sentiment_score":-0.025853043602358912}],"sentiment":"neutral","sentiment_score":-0.027944382705858774,"channel":0,"num_words":35,"start":2189.795,"end":2200.02},{"sentences":[{"text":"Right.","start":2199.9648,"end":2200.4648,"sentiment":"neutral","sentiment_score":0.051154859364032745}],"sentiment":"neutral","sentiment_score":0.051154859364032745,"channel":1,"num_words":1,"start":2199.9648,"end":2200.4648},{"sentences":[{"text":"on that.","start":2200.02,"end":2200.76,"sentiment":"neutral","sentiment_score":0.04961450956761837}],"sentiment":"neutral","sentiment_score":0.04961450956761837,"channel":0,"num_words":2,"start":2200.02,"end":2200.76},{"sentences":[{"text":"Yeah.","start":2201.005,"end":2201.2449,"sentiment":"neutral","sentiment_score":0.054624445736408234},{"text":"No.","start":2201.2449,"end":2201.4849,"sentiment":"neutral","sentiment_score":-0.11874151974916458},{"text":"I'll leave it then.","start":2201.4849,"end":2202.205,"sentiment":"neutral","sentiment_score":-0.07517726812511683},{"text":"I'll leave it the way it is because it gives me some relief that I am covered because of an accident or whatever, right, in such cases.","start":2202.205,"end":2208.1,"sentiment":"neutral","sentiment_score":0.13026955282246624}],"sentiment":"neutral","sentiment_score":0.09552884180888985,"channel":1,"num_words":33,"start":2201.005,"end":2208.1},{"sentences":[{"text":"Yeah.","start":2207.945,"end":2208.105,"sentiment":"neutral","sentiment_score":0.023609381169080738}],"sentiment":"neutral","sentiment_score":0.023609381169080738,"channel":0,"num_words":1,"start":2207.945,"end":2208.105},{"sentences":[{"text":"50","start":2208.1,"end":2208.6,"sentiment":"neutral","sentiment_score":0.007506638765335083}],"sentiment":"neutral","sentiment_score":0.007506638765335083,"channel":1,"num_words":1,"start":2208.1,"end":2208.6},{"sentences":[{"text":"You'd be covered all the way up to the age of 65 if you","start":2208.105,"end":2211.225,"sentiment":"neutral","sentiment_score":-0.029898868607623235}],"sentiment":"neutral","sentiment_score":-0.029898868607623235,"channel":0,"num_words":14,"start":2208.105,"end":2211.225},{"sentences":[{"text":"five.","start":2211.2202,"end":2211.7202,"sentiment":"neutral","sentiment_score":-0.05634462833404541}],"sentiment":"neutral","sentiment_score":-0.05634462833404541,"channel":1,"num_words":1,"start":2211.2202,"end":2211.7202},{"sentences":[{"text":"were on on a on a serious claim and were unable to return to work.","start":2211.225,"end":2215.065,"sentiment":"neutral","sentiment_score":-0.1737042819460233},{"text":"Yeah.","start":2215.065,"end":2215.305,"sentiment":"neutral","sentiment_score":-0.04616740345954895},{"text":"And obviously meet the definitions of the insurer.","start":2215.305,"end":2217.645,"sentiment":"neutral","sentiment_score":-0.0897164810448885},{"text":"That's not up","start":2217.785,"end":2218.505,"sentiment":"neutral","sentiment_score":-0.13705229262510935}],"sentiment":"neutral","sentiment_score":-0.14002297625497537,"channel":0,"num_words":27,"start":2211.225,"end":2218.505},{"sentences":[{"text":"Correct.","start":2218.455,"end":2218.5352,"sentiment":"neutral","sentiment_score":-0.05659956485033035}],"sentiment":"neutral","sentiment_score":-0.05659956485033035,"channel":1,"num_words":1,"start":2218.455,"end":2218.5352},{"sentences":[{"text":"to","start":2218.505,"end":2218.665,"sentiment":"neutral","sentiment_score":-0.019708363339304924}],"sentiment":"neutral","sentiment_score":-0.019708363339304924,"channel":0,"num_words":1,"start":2218.505,"end":2218.665},{"sentences":[{"text":"Exactly.","start":2218.5352,"end":2219.0352,"sentiment":"neutral","sentiment_score":-0.018915412947535515}],"sentiment":"neutral","sentiment_score":-0.018915412947535515,"channel":1,"num_words":1,"start":2218.5352,"end":2219.0352},{"sentences":[{"text":"us.","start":2218.665,"end":2218.905,"sentiment":"neutral","sentiment_score":-0.00540296733379364},{"text":"Yep.","start":2218.905,"end":2219.405,"sentiment":"neutral","sentiment_score":0.004647658672183752}],"sentiment":"neutral","sentiment_score":-0.00037765433080494404,"channel":0,"num_words":2,"start":2218.665,"end":2219.405},{"sentences":[{"text":"And this insurance cover will definitely cease after I am retired.","start":2219.3352,"end":2224.875,"sentiment":"neutral","sentiment_score":-0.30087103830142453}],"sentiment":"neutral","sentiment_score":-0.30087103830142453,"channel":1,"num_words":11,"start":2219.3352,"end":2224.875},{"sentences":[{"text":"So we, obviously, as a part of you and your reviews, look at, like, your insurance you hold and everything at the time as well.","start":2226.1199,"end":2232.92,"sentiment":"neutral","sentiment_score":-0.10224235624074936},{"text":"If you feel like you're in a position where you're no longer working and you you are retired, we can just get rid of the policy because you can't ensure for money you aren't earning, if that makes sense as 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then that's settled.","start":2244.4702,"end":2245.59,"sentiment":"neutral","sentiment_score":0.12273369543254375},{"text":"Let's move on to the attached TBT cover and life cover.","start":2245.59,"end":2248.305,"sentiment":"neutral","sentiment_score":0.06079619885845618}],"sentiment":"neutral","sentiment_score":0.0773128646115462,"channel":1,"num_words":15,"start":2244.4702,"end":2248.305},{"sentences":[{"text":"Yep.","start":2248.655,"end":2249.01,"sentiment":"neutral","sentiment_score":0.09453200548887251}],"sentiment":"neutral","sentiment_score":0.09453200548887251,"channel":0,"num_words":1,"start":2248.655,"end":2249.01},{"sentences":[{"text":"I just want to bring the sum assured down to 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hikes.","start":2334.22,"end":2340.86,"sentiment":"neutral","sentiment_score":0.10127655805263203},{"text":"But then after that, each year, it tends to hike up a little bit more.","start":2340.86,"end":2344.7852,"sentiment":"neutral","sentiment_score":-0.24881224781274797},{"text":"So we can definitely, as I said because I'll call Neos and see what they sort of gauge in regards to your previous chiropractor history, if you'll still be an exclusion, if it is reviewable or not.","start":2345.165,"end":2355.54,"sentiment":"neutral","sentiment_score":0.16100611034277323}],"sentiment":"neutral","sentiment_score":0.05401606181872758,"channel":0,"num_words":134,"start":2318.355,"end":2355.54},{"sentences":[{"text":"And then with that, based on your occupation, I'll go to a couple of other insurers that rate your occupation quite well, and I'll double check what their pricing is and if the exclusion applies then as 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about?","start":2370.645,"end":2374.245,"sentiment":"neutral","sentiment_score":0.16022382150678074},{"text":"Or","start":2374.245,"end":2374.485,"sentiment":"neutral","sentiment_score":0.015172451734542848}],"sentiment":"neutral","sentiment_score":0.18834526633674448,"channel":0,"num_words":22,"start":2368.74,"end":2374.485},{"sentences":[{"text":"Nope.","start":2375.25,"end":2375.75,"sentiment":"neutral","sentiment_score":-0.006802099756896496},{"text":"So only one question now.","start":2376.85,"end":2378.31,"sentiment":"neutral","sentiment_score":-0.008445383608341217},{"text":"You will work with getting the price.","start":2379.4102,"end":2382.0151,"sentiment":"neutral","sentiment_score":0.1499285719224385},{"text":"There's some insured for life cover and TPD to 1.5.","start":2382.315,"end":2386.735,"sentiment":"neutral","sentiment_score":0.1384413242340088},{"text":"That will take effect on the next 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me.","start":2401.155,"end":2411.45,"sentiment":"neutral","sentiment_score":0.017460568601058588},{"text":"And then I'll also double check on our software there what rates your occupation quite well and then get the pricing from those insurers as to what a policy might cost for the same amount that you currently","start":2412.1501,"end":2423.835,"sentiment":"neutral","sentiment_score":0.20999295421336828}],"sentiment":"neutral","sentiment_score":0.11632855040197437,"channel":0,"num_words":74,"start":2401.155,"end":2423.835},{"sentences":[{"text":"Yep.","start":2423.6602,"end":2424.1602,"sentiment":"neutral","sentiment_score":0.07282713055610657}],"sentiment":"neutral","sentiment_score":0.07282713055610657,"channel":1,"num_words":1,"start":2423.6602,"end":2424.1602},{"sentences":[{"text":"have, 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subscribes to kind of thing.","start":2753.54,"end":2755.3801,"sentiment":"neutral","sentiment_score":-0.07853899585704009},{"text":"Yeah.","start":2755.3801,"end":2755.8801,"sentiment":"neutral","sentiment_score":0.03911531716585159}],"sentiment":"neutral","sentiment_score":-0.06173123685376985,"channel":1,"num_words":7,"start":2753.54,"end":2755.8801},{"sentences":[{"text":"Yeah.","start":2756.345,"end":2756.665,"sentiment":"neutral","sentiment_score":0.03512154519557953},{"text":"No.","start":2756.665,"end":2756.905,"sentiment":"neutral","sentiment_score":-0.022713448852300644},{"text":"No.","start":2756.905,"end":2757.0652,"sentiment":"neutral","sentiment_score":-0.0015723854303359983},{"text":"That makes a lot more sense there as well.","start":2757.0652,"end":2759.0652,"sentiment":"neutral","sentiment_score":0.11648142958680789},{"text":"So okay.","start":2759.0652,"end":2760.125,"sentiment":"neutral","sentiment_score":0.1578783020377159}],"sentiment":"neutral","sentiment_score":0.0982089415192604,"channel":0,"num_words":14,"start":2756.345,"end":2760.125},{"sentences":[{"text":"Not a not a problem.","start":2760.345,"end":2761.645,"sentiment":"neutral","sentiment_score":0.2550515443086624},{"text":"Well, we got it booked in there in a a week and a half there, and we'll have a bit more of a conversation, or you can have a look at a few","start":2761.7852,"end":2766.81,"sentiment":"neutral","sentiment_score":0.24797898372917465}],"sentiment":"neutral","sentiment_score":0.24890958380542302,"channel":0,"num_words":38,"start":2760.345,"end":2766.81},{"sentences":[{"text":"Sure, mate.","start":2767.565,"end":2768.205,"sentiment":"neutral","sentiment_score":0.2337767705321312},{"text":"Not a problem.","start":2768.205,"end":2768.845,"sentiment":"positive","sentiment_score":0.4936921298503876},{"text":"Thanks, Kyle.","start":2768.845,"end":2769.825,"sentiment":"positive","sentiment_score":0.6452034115791321}],"sentiment":"positive","sentiment_score":0.4627195362533842,"channel":1,"num_words":7,"start":2767.565,"end":2769.825},{"sentences":[{"text":"things.","start":2769.85,"end":2770.33,"sentiment":"positive","sentiment_score":0.5513317584991455},{"text":"No worries.","start":2770.33,"end":2770.8901,"sentiment":"positive","sentiment_score":0.5235625207424164},{"text":"Could you enjoy the rest of your afternoon?","start":2770.8901,"end":2771.9302,"sentiment":"positive","sentiment_score":0.7049285098910332},{"text":"Thanks for your time.","start":2771.9302,"end":2772.9102,"sentiment":"positive","sentiment_score":0.7780616283416748}],"sentiment":"positive","sentiment_score":0.6900087594985962,"channel":0,"num_words":15,"start":2769.85,"end":2772.9102},{"sentences":[{"text":"Yeah.","start":2772.685,"end":2772.925,"sentiment":"positive","sentiment_score":0.506669282913208},{"text":"You too, mate.","start":2772.925,"end":2773.565,"sentiment":"positive","sentiment_score":0.620757003625234},{"text":"Cheers.","start":2773.565,"end":2773.885,"sentiment":"positive","sentiment_score":0.7706841230392456},{"text":"Have a good one.","start":2773.885,"end":2774.865,"sentiment":"positive","sentiment_score":0.7329099476337433},{"text":"Bye bye.","start":2774.925,"end":2775.585,"sentiment":"positive","sentiment_score":0.35525859892368317}],"sentiment":"positive","sentiment_score":0.6165255822918632,"channel":1,"num_words":11,"start":2772.685,"end":2775.585},{"sentences":[{"text":"Thanks.","start":2775.21,"end":2775.69,"sentiment":"positive","sentiment_score":0.6036626100540161},{"text":"Bye.","start":2775.69,"end":2776.19,"sentiment":"neutral","sentiment_score":-0.09431134164333344}],"sentiment":"neutral","sentiment_score":0.25467563420534134,"channel":0,"num_words":2,"start":2775.21,"end":2776.19}]},"summary":{"result":"success","short":"The representative from Oakview Financial calls Kyle to discuss his insurances and to update him on comparison information. Kyle is experiencing a slow process with insurance and is not willing to move forward with it. The agent suggests sending a statement to review and scheduling a follow-up call for a later time. The agent explains the insurance policy and coverage details, and suggests sending a statement and booking an appointment for a few weeks later. They also discuss the impact of smoking and alcohol on premiums and health. The agent explains the coverage for accidents and injuries and recommends a life insurance company to review exclusions and rates. They schedule a follow-up call for a week and a half to discuss coverage and insurance coverage."},"intents":{"segments":[{"text":"you scheduled in to to go over a general discussion on your your insurances, plus I got a little bit Yep. of an update there just on some of those comparisons.","start_word":34,"end_word":64,"intents":[{"intent":"Discuss insurances","confidence_score":0.2593124}]},{"text":"of an update there just on some of those comparisons.","start_word":55,"end_word":64,"intents":[{"intent":"Discuss comparisons","confidence_score":0.28708175}]},{"text":"I haven't got them into a a document yet just because it's not really a templated document I can throw it into.","start_word":65,"end_word":86,"intents":[{"intent":"Discuss current documents","confidence_score":0.0000890679}]},{"text":"and then that might narrow it down so I don't have to put all the options in there for you to have a look at.","start_word":188,"end_word":212,"intents":[{"intent":"Discuss options","confidence_score":0.059650596}]},{"text":"And at least the because I have that file, just to revise in my mind, try and remember what has been discussed, if there is a there is a decision that I have to give, I have those files to go and revisit and do something about it.","start_word":265,"end_word":312,"intents":[{"intent":"Revision information","confidence_score":0.0025499226}]},{"text":"regards to that there, Kitch, we don't send out, like, the entire files, which is why we have to put it into a separate document, which is why I haven't had a chance to do that. Yeah.","start_word":328,"end_word":364,"intents":[{"intent":"Discuss future plans","confidence_score":0.022347657}]},{"text":"If you don't wanna talk on those and I'll get around to putting it into a document there, then I can have a chat around the insurances tonight.","start_word":366,"end_word":393,"intents":[{"intent":"Discuss insurances","confidence_score":0.051048327}]},{"text":"So when did we last speak? What's the date on your record?","start_word":413,"end_word":424,"intents":[{"intent":"Verify call date","confidence_score":0.0017431319}]},{"text":"So when did we last speak? What's the date on your record? When did when was the last conversation? date.","start_word":413,"end_word":432,"intents":[{"intent":"Confirm previous conversation","confidence_score":0.021024264}]},{"text":"Apologies for the delay. We've literally switched systems there as well in the meantime since we last spoke, so everything's a little bit all over the shop. Mhmm.","start_word":470,"end_word":497,"intents":[{"intent":"Apologize for delay","confidence_score":0.077138975},{"intent":"Apologize for delay","confidence_score":0.049354866}]},{"text":"I'm just trying to find the call log that list. Yep.","start_word":498,"end_word":508,"intents":[{"intent":"Request information on call log","confidence_score":0.0003165185},{"intent":"Find call log","confidence_score":0.07923444}]},{"text":"So I do apologize.","start_word":634,"end_word":637,"intents":[{"intent":"Acknowledge responsibility for documents","confidence_score":0.000054354845}]},{"text":"You're apologizing and all of that is all said and done. It's it's okay.","start_word":646,"end_word":659,"intents":[{"intent":"Ensure completion of call","confidence_score":0.00003599423}]},{"text":"However, because you are you are having an internal system change, we don't have any communications. So when the next call happens after a month, I kind of expect that there are some details that are put in front of my eyes so that I can look at them. Right? Is that expectation any wrong? Because that's the commitment we had from the last call. Right?","start_word":666,"end_word":731,"intents":[{"intent":"Express expectation","confidence_score":0.0019914208}]},{"text":"Now with this insurance thing, the Neos insurance, I have received an email from them, so I know what they're charging me for what.","start_word":777,"end_word":800,"intents":[{"intent":"Verify email","confidence_score":0.00014612511}]},{"text":"So could you discuss here more personal details there?","start_word":888,"end_word":896,"intents":[{"intent":"Discuss personal details","confidence_score":0.5592747}]},{"text":"I'd have to pass you through security just for that name, date of birth, and current address, and then we can go over that. Yes.","start_word":897,"end_word":921,"intents":[{"intent":"Pass through security","confidence_score":0.61524296}]},{"text":"If we had that general discussion and I made a recommendation from the general discussion from what you're comfortable with as a client and what the recommendation sort of flows towards, then you would just get the document with the one recommendation and the the appendix with Okay.","start_word":1021,"end_word":1068,"intents":[{"intent":"Provide recommendations","confidence_score":0.02303137}]},{"text":"Now to get the comparison between your current versus, like, the SMA we discussed versus, like, an index option versus, like, an active managed option, We can't just send you all those reports because, obviously, it just looks like gibberish.","start_word":1074,"end_word":1113,"intents":[{"intent":"Compare options","confidence_score":0.5122782}]},{"text":"But I want to give you this feedback.","start_word":1190,"end_word":1197,"intents":[{"intent":"Provide feedback","confidence_score":0.41744155}]},{"text":"You I wanted had to to call talk about the insurance, so I and had to I had to call Kyle because he did not schedule it. I waited for some time, I and then I made that call to book this appointment. yep.","start_word":1341,"end_word":1384,"intents":[{"intent":"Discuss insurance","confidence_score":0.40196654}]},{"text":"You can give me a communication.","start_word":1455,"end_word":1460,"intents":[{"intent":"Set up communication","confidence_score":0.00026127446}]},{"text":"just want to conclude Yep.","start_word":1875,"end_word":1879,"intents":[{"intent":"Conclude call","confidence_score":0.5181757}]},{"text":"that there's a decision. That's it.","start_word":1880,"end_word":1885,"intents":[{"intent":"Discuss research decision","confidence_score":0.015496213}]},{"text":"So if that decision's there, whenever you do send, am I can I expect to get a document in my hand so that I open it locally on my side here on my laptop and talk to you so that I can see what you're referring to and what we are, you Yep.","start_word":1886,"end_word":1938,"intents":[{"intent":"Send document","confidence_score":0.026690466}]},{"text":"know I'll book you in yeah? for if I'll have a look here what works. Would 6PM, Friday, Monday the second, work for you in March then?","start_word":1939,"end_word":1965,"intents":[{"intent":"Book appointment","confidence_score":0.56872714},{"intent":"Discuss scheduling","confidence_score":0.0015822568}]},{"text":"We can go over that and have a discussion around that there, Kij. Okay.","start_word":2171,"end_word":2184,"intents":[{"intent":"Schedule discussion","confidence_score":0.012574701}]},{"text":"Do you have the insurance Yep. policy from Neos open in front of you?","start_word":2236,"end_word":2249,"intents":[{"intent":"Determine policy details","confidence_score":0.007312881}]},{"text":"So it's Yep. the most comprehensive benefit period you can hold on a policy for, like, more recent policies that is. Okay.","start_word":2595,"end_word":2616,"intents":[{"intent":"Assert insurance coverage","confidence_score":0.0001016464}]},{"text":"the most comprehensive benefit period you can hold on a policy for, like, more recent policies that is. Okay.","start_word":2598,"end_word":2616,"intents":[{"intent":"Convey benefits of coverage","confidence_score":0.00001667008}]},{"text":"That income support code, let me just touch on that first. It's not for redundancy and not finding a job. It's if you're sick or injured to where you can't perform a job. So it doesn't count for, like, redundancy. There are certain, like, redundancy covers to where if you aren't within a job at the time, you can still pay a premium. Back.","start_word":2706,"end_word":2769,"intents":[{"intent":"Explain coverage requirements","confidence_score":0.0003003868}]},{"text":"So this but because it says special conditions sense. loading and exclusions, it says no Mhmm. no claim shall be payable under the insured benefits whether condition of event or event giving rise to the claim results from any disease, condition or disorder or lumbar support, it's intervertebral discs, joints, no root spinal cord or supportive musculature or ligaments or any treatment surgery complications thereof.","start_word":2930,"end_word":2994,"intents":[{"intent":"Clarify policy requirements","confidence_score":0.041361395}]},{"text":"Now I wasn't around when that policy was written, so we can, Yeah.","start_word":3308,"end_word":3320,"intents":[{"intent":"Review policy","confidence_score":0.3427736}]},{"text":"Yeah.","start_word":3426,"end_word":3426,"intents":[{"intent":"Remove insurance","confidence_score":0.06204139}]},{"text":"We can review that. We can go Yep. through the process with Neos first.","start_word":3646,"end_word":3659,"intents":[{"intent":"Review information","confidence_score":0.050135314}]},{"text":"If they're not willing to review it, then we can just, as you said, go to market again. We can do that pre assessment process. Again, I know previously, other than, like, obviously, seeing a chiropractor, you didn't disclose any health issues and things like that, so it shouldn't be an issue to go to market again. Yep.","start_word":3661,"end_word":3718,"intents":[{"intent":"Review policy","confidence_score":0.6325302}]},{"text":"Now I will ask you a few questions there in regards to that there, kids, so bear Yep.","start_word":3735,"end_word":3752,"intents":[{"intent":"Ask questions","confidence_score":0.63806313}]},{"text":"And then if it comes back that another insurance would accept your extended rates, we can look at rewriting that as part as your advice as Yeah.","start_word":3921,"end_word":3947,"intents":[{"intent":"Rewrite advice","confidence_score":0.122041486}]},{"text":"If yours is difficult well being acting difficult, then I'm happy to move on to someone else that gives with yeah. someone Not else.","start_word":3949,"end_word":3972,"intents":[{"intent":"Move to other insurer","confidence_score":0.0008379118}]},{"text":"fine. Bear with me.","start_word":4018,"end_word":4021,"intents":[{"intent":"Confirm understanding","confidence_score":0.02354102}]},{"text":"I'll just bring up your old pre assessment as well and just confirm a few things. Perfect.","start_word":4023,"end_word":4039,"intents":[{"intent":"Update pre assessment","confidence_score":0.0026772935}]},{"text":"then income, yeah, the $1.04 8. So that's changed a little bit.","start_word":4045,"end_word":4056,"intents":[{"intent":"Confirm income","confidence_score":0.4385618}]},{"text":"And now I know you said previously that you were a social smoker, so that can affect premium. I know you stopped it at some point, but just have the occasional one. Now if you haven't been smoking or touching cigarettes for a twelve month period, you can look at obviously not having smokers rates at all. If you have touched nicotine products within that time frame, you would be looking at smokers rates, which does affect insurance premiums.","start_word":4093,"end_word":4171,"intents":[{"intent":"Mention smoking smoking","confidence_score":0.0004856378}]},{"text":"Not planning on doing any travel in the next twelve months or, you know, recent, like, going overseas or anything like that?","start_word":4342,"end_word":4363,"intents":[{"intent":"Propose traveling","confidence_score":0.000022479055}]},{"text":"Not planning on doing any travel in the next twelve months or, you know, recent, like, going overseas or anything like that? Well, I can't guarantee that. It can happen because my family stays overseas. So Yeah.","start_word":4342,"end_word":4378,"intents":[{"intent":"End conversation","confidence_score":0.00063830364}]},{"text":"Now just in regards to the the neck, was it just tight like, a tight neck, like, that you went to a chiropractor originally?","start_word":4488,"end_word":4511,"intents":[{"intent":"Evaluate chiropractic treatment","confidence_score":0.0004072856}]},{"text":"Or Just, like just a slight stiffness that you just noticed when you were moving around a little bit that it was a bit tight, or was it like you couldn't turn and look one way? Oh, no.","start_word":4709,"end_word":4746,"intents":[{"intent":"Fix tightness","confidence_score":0.0016167164}]},{"text":"As I said, even if it was general maintenance there, they might still view it as looking closer to that three to five year mark, as I said.","start_word":5101,"end_word":5128,"intents":[{"intent":"Determine future policy coverage","confidence_score":0.0019039852}]},{"text":"I'll I'll check with Yep. the your Neos, and then I'll check with a few other insurers.","start_word":5129,"end_word":5145,"intents":[{"intent":"Check with yep","confidence_score":0.028109344},{"intent":"Check with insurers","confidence_score":0.6751978}]},{"text":"It means that, basically, anything related to the stiffness of the if you were unable to work, it means you wouldn't be able to claim on the policy.","start_word":5164,"end_word":5191,"intents":[{"intent":"Determine policy eligibility","confidence_score":0.09388536}]},{"text":"have a knee pain, someone has a back pain, someone has a joint pain, and it is everyone's evolving, everyone's aging, everyone's growing in their ages, things will happen that I don't understand that they're being too strict about this.","start_word":5291,"end_word":5330,"intents":[{"intent":"Express concern about health","confidence_score":0.000028237333}]},{"text":"And the degree of recovery that you Yeah. consider at full at the moment there, kids, you're not having any sort of ongoing issues with Yeah. that? About which one?","start_word":5400,"end_word":5429,"intents":[{"intent":"Discuss recovery degree","confidence_score":0.00982685}]},{"text":"Now in regards to the policy itself, the kids and the cover amounts, were you still happy with the cover amounts that you covered for? Was it just sort of looking at potentially the the waiting period for that income protection? Or Yeah.","start_word":5694,"end_word":5736,"intents":[{"intent":"Identify insurance coverage options","confidence_score":0.000004662338}]},{"text":"They have they have correct explanations where it is inclusions and loadings, but it is not they will not explain when is What it the income.","start_word":5784,"end_word":5809,"intents":[{"intent":"Request policy explanation","confidence_score":0.0002186146}]},{"text":"actually covers yeah. And Yeah.","start_word":5809,"end_word":5813,"intents":[{"intent":"Clarify income coverage","confidence_score":0.038599674}]},{"text":"But is there any way that I can lower that premium, which means I have to lower the sum insured is what I understand.","start_word":5849,"end_word":5872,"intents":[{"intent":"Reduce premium amount","confidence_score":0.000694114}]},{"text":"So if you knocked it down to that five years, your current policy is sitting around that 4,500 mark, it would drop it down to, like, the $34.50, so $3,450 sort of mark as, like, a rough estimate. If you were to just put that benefit period down to the five years and be comfortable with that, if you were to end up on a claim, it would only pay for five years maximum.","start_word":5880,"end_word":5953,"intents":[{"intent":"Explain benefit period","confidence_score":0.008828982}]},{"text":"And the policy itself, you can hold all the way up to that even if you don't like, all the way up to the age of that 65, I believe it is for Niels.","start_word":6148,"end_word":6181,"intents":[{"intent":"Educate on policy","confidence_score":0.0024549542}]},{"text":"Now so your policy does creep up in terms of, like, how much you're covered for in addition to, obviously, it goes up in price for not only the what the government's doing, what the taxes are at the time, and then also your age as it get up it gets older, and then the amount that goes up goes up a little bit well as as well.","start_word":6689,"end_word":6756,"intents":[{"intent":"Explain policy coverage and cost","confidence_score":0.000055173572},{"intent":"Explain policy cost","confidence_score":0.027126472},{"intent":"Discuss policy costs","confidence_score":0.0028129516},{"intent":"Plan policy cost","confidence_score":0.000017002541}]},{"text":"I'll just leave it because, see, even if it is a five year benefit, it's still going to charge they're still going to charge me some amount on the policy. Right? Yep.","start_word":6813,"end_word":6844,"intents":[{"intent":"Explain policy charges","confidence_score":0.009132585}]},{"text":"So, like, if you were to change it to from the age 65 to a five year benefit, it's about a a thousand dollar sorta difference in in premium just based Right.","start_word":6852,"end_word":6883,"intents":[{"intent":"Rewrite health insurance policy","confidence_score":1.7773958e-7},{"intent":"Explain insurance coverage","confidence_score":0.011112474},{"intent":"Express concern about insurance coverage","confidence_score":0.011861272}]},{"text":"So bringing it down from the 1.8 to the 1.5 for life and attached total permanent disability, it brings the policy premium down from 4,572 to 4,162. So that of only $400 sort of saving. Yep.","start_word":7122,"end_word":7157,"intents":[{"intent":"Discuss policy savings","confidence_score":0.009108695}]},{"text":"So let's stick to that. Let's get it revised to 1.5. And Yep.","start_word":7159,"end_word":7171,"intents":[{"intent":"Explain policy revision","confidence_score":0.0010517462}]},{"text":"I definitely want to if if I I don't know if I'm allowed to ask for this, but I definitely want to look at another insurer and see if the premiums are competitive. Yep.","start_word":7172,"end_word":7205,"intents":[{"intent":"Advise on new insurer","confidence_score":0.0000085829215},{"intent":"Express a preference for alternative insurer","confidence_score":5.669176e-7}]},{"text":"So we can definitely, as I said because I'll call Neos and see what they sort of gauge in regards to your previous chiropractor history, if you'll still be an exclusion, if it is reviewable or not. And then with that, based on your occupation, I'll go to a couple of other insurers that rate your occupation quite well, and I'll double check what their pricing is and if the exclusion applies then as well.","start_word":7302,"end_word":7376,"intents":[{"intent":"Review policy coverage and pricing","confidence_score":0.000056317334}]},{"text":"You will work with getting the price. There's some insured for life cover and TPD to 1.5. That will take effect on the next policy.","start_word":7406,"end_word":7430,"intents":[{"intent":"Determine policy coverage","confidence_score":0.0077032936}]},{"text":"As I said, with NextUp and things like that, even if it's minor, they generally look at that three to five years for, like, reviewing exclusions.","start_word":7546,"end_word":7571,"intents":[{"intent":"Inquire about policy","confidence_score":0.0062689586}]},{"text":"And if there's a comparison available, I would like to take a decision. Yeah.","start_word":7913,"end_word":7926,"intents":[{"intent":"Compare insurance options","confidence_score":0.03854518}]},{"text":"And if there's a comparison available, I would like to take a decision. Yeah. Yes.","start_word":7913,"end_word":7927,"intents":[{"intent":"Discuss plan","confidence_score":0.0000827114}]},{"text":"As far as the quote goes, I'll try and get that sent off to you, like, this afternoon.","start_word":7978,"end_word":7995,"intents":[{"intent":"Send quote","confidence_score":0.65896}]},{"text":"That's why I wouldn't send you, like, all the reports that I've got because for you, it's probably more confusing than if I simplify it down to the figures that actually matter because the things that spits out, there's a million different things. There's only a few that probably actually you're concerned about or wanna actually hear about if that makes sense Right.","start_word":8426,"end_word":8488,"intents":[{"intent":"Explain and simplify reports","confidence_score":0.017554248}]},{"text":"Sorry that the business hasn't communicated that properly really in the the newsletters and things like that, but a lot of it, yeah, is sort of stuff that not to concern really the the clients with.","start_word":8532,"end_word":8567,"intents":[{"intent":"Communicate with","confidence_score":0.00010408095}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Kij. It's Carl calling from Oakview Financial. How are you today? Hey.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.23079581558704376},{"text":"I'm good, Kyle. How are you?","start_word":15,"end_word":20,"sentiment":"positive","sentiment_score":0.4276324212551117},{"text":"Yeah. Not too bad at all.","start_word":21,"end_word":26,"sentiment":"neutral","sentiment_score":0.28538697957992554},{"text":"Thanks for asking, Kij. I've got Good.","start_word":27,"end_word":33,"sentiment":"positive","sentiment_score":0.49882209300994873},{"text":"you scheduled in to to go over a general discussion on your your insurances, plus I got a little bit Yep. of an update there just on some of those comparisons. I haven't got them into a a document yet just because it's not really a templated document I can throw it into. So haven't had a chance to put it together, but I can go over to on the phone with you this afternoon if you got a bit of time there See, I don't I don't mind going over the phone about as well. Yeah. this. I'll still put it into a a I document.","start_word":34,"end_word":140,"sentiment":"neutral","sentiment_score":-0.08158615231513977},{"text":"will I will have no clue. It's a waste of completely waste of my time because I do not get any understanding of what we talk because it is difficult to remember all those numbers afterwards.","start_word":141,"end_word":176,"sentiment":"negative","sentiment_score":-0.5748918056488037},{"text":"Yep. Yeah. I'll have Yeah. a general conversation with you, Yeah. and then that might narrow it down so I don't have to put all the options in there for you to have a look at. As I said, it's not a a I understand standard document it's not a template. yet. I understand it's not a template. But if you can get, you know, download Excel files or download something that you can send me over an email, then we can go one file at a time. And at least the because I have that file, just to revise in my mind, try and remember what has been discussed, if there is a there is a decision that I have to give, I have those files to go and revisit and do something about it.","start_word":177,"end_word":312,"sentiment":"neutral","sentiment_score":-0.13247399032115936},{"text":"These kind of calls are not helping me at all.","start_word":313,"end_word":322,"sentiment":"negative","sentiment_score":-0.7793768048286438},{"text":"Yep. With Alright? in Yeah. regards to that there, Kitch, we don't send out, like, the entire files, which is why we have to put it into a separate document, which is why I haven't had a chance to do that. Yeah. If you don't wanna talk on those and I'll get around to putting it into a document there, then I can have a chat around the insurances tonight. And if you wanna talk about the other stuff at a later date, once I've put that into later Right. So when did we last speak? What's the date on your record? When did when was the last conversation? date. Yep. Let me just bring that up here. Joseph said we're transferring systems there. So I believe it was at the the January then. Let me just get an exact date there, kid. Bear with Yep. me. Apologies for the delay. We've literally switched systems there as well in the meantime since we last spoke, so everything's a little bit all over the shop. Mhmm. I'm just trying to find the call log that list. Yep. I believe it was around the January 14 there, the last conversation we had there, kids. Okay. So let's assume January 14 and move on. So it's been a month, but you cannot you cannot get those documents out or those things out for us to view on both sides of this call. Yeah? So now I do not know how to proceed with this beyond this. See, with The the scheduled incentive. conversation today, their kids, wasn't in regards to that. As I said, we've had a system change since we had that last spoke. The documents have been created, but as a separate document to put in for you to have as a client has not been created just due to that change. So I do apologize. I don't have see. See, Kyle, it's okay. You're apologizing and all of that is all said and done. It's it's okay. I get it.","start_word":323,"end_word":662,"sentiment":"neutral","sentiment_score":-0.10416835463222336},{"text":"I appreciate it.","start_word":663,"end_word":665,"sentiment":"positive","sentiment_score":0.4367592930793762},{"text":"However, because you are you are having an internal system change, we don't have any communications. So when the next call happens after a month, I kind of expect that there are some details that are put in front of my eyes so that I can look at them. Right?","start_word":666,"end_word":715,"sentiment":"neutral","sentiment_score":-0.2963160574436188},{"text":"Is that expectation any wrong? Because that's the commitment we had from the last call.","start_word":716,"end_word":730,"sentiment":"negative","sentiment_score":-0.3897174000740051},{"text":"Right?","start_word":731,"end_word":731,"sentiment":"neutral","sentiment_score":-0.12139809131622314},{"text":"No.","start_word":732,"end_word":732,"sentiment":"negative","sentiment_score":-0.36448585987091064},{"text":"I completely understand Yeah.","start_word":733,"end_word":736,"sentiment":"neutral","sentiment_score":-0.23011159896850583},{"text":"kids what So your expectations are this there is a very slow process. It's moving very slowly and the financial markets do not go over that slow, and isn't it? So I'm not I'm not able to move forward, frankly.","start_word":737,"end_word":776,"sentiment":"negative","sentiment_score":-0.5212165713310242},{"text":"Now with this insurance thing, the Neos insurance, I have received an email from them, so I know what they're charging me for what. So I can speak to you with numbers. I can refer to you to go to a certain page on that document where you see the same document and I see that the same document and the conversation will flow very fast and we'll have decisions about it. Right?","start_word":777,"end_word":849,"sentiment":"neutral","sentiment_score":-0.1272314190864563},{"text":"But for the rest of it is a complete black box for me. And it is it is a 140,000 of my hard earned money, and I'm Yep. not comfortable it being a black box at all.","start_word":850,"end_word":886,"sentiment":"negative","sentiment_score":-0.4999164938926697},{"text":"Yep. So could you discuss here more personal details there? I'd have to pass you through security just for that name, date of birth, and current address, and then we can go over that. Yes. My name is Shruti Jibrankar. Date of birth is sixteen July seventy nine, and full address is 12 Catania, Maryland Springs, Victoria 3023.","start_word":887,"end_word":944,"sentiment":"neutral","sentiment_score":0.014977406710386276},{"text":"Perfect. Thanks.","start_word":945,"end_word":946,"sentiment":"positive","sentiment_score":0.5700323581695557},{"text":"So I could just let you know if these calls still are recorded there for quality and training. Yep. Now I understand completely what you're saying with that. In regards to what your expectations are, you do have to sort of understand a little bit there that your expectations of what you're receiving as a client are slightly outside of what we normally provide, which does in turn change those time frames as well. If we had that general discussion and I made a recommendation from the general discussion from what you're comfortable with as a client and what the recommendation sort of flows towards, then you would just get the document with the one recommendation and the the appendix with Okay. a couple of the alternatives. Now to get the comparison between your current versus, like, the SMA we discussed versus, like, an index option versus, like, an active managed option, We can't just send you all those reports because, obviously, it just looks like gibberish.","start_word":947,"end_word":1113,"sentiment":"neutral","sentiment_score":-0.1371251493692398},{"text":"It looks messy, and then it's also just stuff you don't need there as well.","start_word":1114,"end_word":1128,"sentiment":"negative","sentiment_score":-0.5310462117195129},{"text":"So as a business, they have an expectation that we put that into a document. Now you're turning what I'm I'm sorry, it's Kyle. I'm I'm sorry, Kyle. I'm going to interrupt. The problem is I've seen this I think it's it's a part of your Oakview Financial training that you work how you work with your clients on phone calls. But I want to give you this feedback.","start_word":1129,"end_word":1197,"sentiment":"neutral","sentiment_score":-0.11735372990369795},{"text":"You started with something, and wherever you are right now, I have lost you, mate. These are really long winded answers. I do not understand where you start and where you end, and this is a feedback I have to give to the system, whoever it is. It's a very long ended long winded answer. I do not understand where you're going with this.","start_word":1198,"end_word":1261,"sentiment":"negative","sentiment_score":-0.4706420004367829},{"text":"If you have if you say that you what I'm asking that is something not nonstandard, then that's fine. But you committed to it on the January that, yes, you will prepare some kind of a document and send it across so that in the next call, we can both look at the document and talk. Right? But that this wasn't the call that I scheduled in there, kids, so I have to do So stop so you there. You I wanted had to to call talk about the insurance, so I and had to I had to call Kyle because he did not schedule it. I waited for some time, I and then I made that call to book this appointment. yep. And I've explained Alright. previously that kids just with the business with the changes that have occurred, there is a backlog. And you are, like, at the top of the list in terms of things that are getting done, but you have to understand that with those system changes too that did occur and then the the expectation of those Well, I don't have five communications separate from you, Kyle. You can give me a communication. I'm a reasonable guy.","start_word":1262,"end_word":1464,"sentiment":"neutral","sentiment_score":-0.19039538502693176},{"text":"If you tell me there's a system change, there's a backlog. We need to delay this process by another two weeks.","start_word":1465,"end_word":1485,"sentiment":"negative","sentiment_score":-0.5374830365180969},{"text":"I can understand that.","start_word":1486,"end_word":1489,"sentiment":"neutral","sentiment_score":-0.1781855821609497},{"text":"I don't have the communication.","start_word":1490,"end_word":1494,"sentiment":"negative","sentiment_score":-0.3778139054775238},{"text":"options.","start_word":1495,"end_word":1495,"sentiment":"neutral","sentiment_score":-0.3245064616203308},{"text":"I can't be held responsible for it, mate. Do you think am I asking for something unreasonable here?","start_word":1496,"end_word":1513,"sentiment":"negative","sentiment_score":-0.46822166442871094},{"text":"If you communicate, I will ask accept it. I don't Yep. have communications from you or your system or Oakview Financial as an organization that you guys are going through an overall of your IT systems. Yep. And with that, yeah, again, that's not as me as an individual to send out those company wide emails. So that is part of their monthly newsletters that they do sort of give updates, and they haven't obviously been as forthcoming as what's happening in the background That's there as well. it. Case So I do understand what you're coming from there, Kitch, and then I can only try and move forward from what we're doing. As I said, the research there is done. I've just gotta find a spare moment to put it into that nonstandard document, which takes a little bit of extra time. So if you give me a couple of extra weeks there, I'll try and put it into a document that makes clear sense to you. And then if Yep. you need some more information based on the figures that I provide in that document, because it won't have all the justifications. It would just have the figures and then the breakdowns of everything, and I'll just table it up for you. And Yep. then we can have a conversation to go over those. But we'll put that on the back burner for now. I can even put you in a book you in for a couple weeks from now just to have that scheduled in to go over that. But in terms of the insurance portion, kids, so as you said, that's something that you can look at, and we can have a discussion sort out today. We can just jump on to Yes. Alright. So before we jump on and change the subject, Yep. is there an action item here? Are you going to book something for another, let's say, two weeks or three weeks from now, from today? I was gonna do it at the end of the phone call, but if you That's wanna do fine. it now, That's fine. that's not a I problem. just want to conclude Yep. that there's a decision. That's it. So if that decision's there, whenever you do send, am I can I expect to get a document in my hand so that I open it locally on my side here on my laptop and talk to you so that I can see what you're referring to and what we are, you Yep. know I'll book you in yeah? for if I'll have a look here what works. Would 6PM, Friday, Monday the second, work for you in March then? The start of thing. Gives me time to put in a document. You'll have a document. You can look at the Second document of while March. I have a conversation with you. March 2. Okay. March 2 is a Monday. Yep. Monday evening, March 2 is fine, and it gives you exactly two and a half weeks. Is that okay? Are you comfortable with that? With that, it's about a a week and a yeah. Week and a half there for Week that. But, and yeah, a half. that's Sorry. enough A yeah. week and That's, a half. Yeah. yeah, that's that's enough time for me to put as I said, the the research is there, Kij. Obviously, like, we get booked out a little bit in advance. I'm just trying to find a spare moment to have booked aside a time tomorrow, actually. It was in my calendar to go through some research decisions and things like that as well. Yep.","start_word":1514,"end_word":2127,"sentiment":"neutral","sentiment_score":0.06368546419115646},{"text":"So that's at the top of the list there.","start_word":2128,"end_word":2136,"sentiment":"positive","sentiment_score":0.3460584580898285},{"text":"So I'll get that sorted, try and make it pretty up, and I've got you in there now for six PM your time, the March 2, and we can I'll email that to you. We can go over that and have a discussion around that there, Kij. Okay. Done. I'm also booking my calendar so that I know you're going to call me on the 03/02/2006. I'm putting in a six to seven blocking an hour out of your call. Okay. Done. Got it. So first Yep. thing, one item done and checked. The next item is insurance. Yes. Do you have the insurance Yep. policy from Neos open in front of you? Yep. I've got your certificate of currency for that policy, and that one's dated yeah. The commencement date's the 2026, and premium date is the nineteenth to the third.","start_word":2137,"end_word":2278,"sentiment":"neutral","sentiment_score":0.17887692604686173},{"text":"So that should be the, yeah, the most up to date one.","start_word":2279,"end_word":2290,"sentiment":"positive","sentiment_score":0.3671281039714813},{"text":"Yep. So see, what I'm looking at is my payment detail is around 4,500 on the policy. Okay? Yep. That's the yearly premium. That's the new yearly premium, right, for the next year. Yep. And what is the rollover amount? It's a very small question, but what is the payment method rollover and rollover amount is 3,886? What is the difference there? So because you hold the policy within superannuation instead of, like, paying personally out of pocket, you get a 15%, like, tax rebate for holding the policy within superannuation. Mhmm. So that 15% discount is actually, like, the savings. So, technically, the policy cost the policy amount, but you get that rebate by having it in superannuation, which Okay. is the rollover that's requested from your superannuation to pay for it. Okay. So the super technician will pay ultimately $3.08 $8.6.95. Correct? Correct. Yep. Okay. Alright. So what I'm coming to is now we're going to the cover details. Alright? There's one that is for life cover. Yep. Live TBD and IP, and they all Alright? have their separate sort of breakdowns on what they Got cost in the premium. Yep. it. Got it. So I want to break that down now. Okay. Now let's start with the bottom. That is the income support cover. Now Yep. this income support cover, the benefit period is still $8.65, isn't it? Like nineteen or twenty years. Yep. So with that benefit period to age 65, that would mean that if you were to ever end up on a claim, it would pay all the way up until the age of 65. Or if you had a conversation with your insurer that worked out some sort of payment, if they just, like, discovered that you would not ever return to work, if that makes sense. So it's Yep. the most comprehensive benefit period you can hold on a policy for, like, more recent policies that is. Okay. So, generally, do people really cover themselves up for till 65? I know it's a very personal circumstance question, but I was like, do I really need a cover for till the age of 65 or should I be looking at a roll sorry, income support cover for a rolling five year period? So whenever I lose a job, I'm covered for the next five years. It should not take me five years to find a job, so kind of like that. So will that bring the premium down? That income support code, let me just touch on that first. It's not for redundancy and not finding a job. It's if you're sick or injured to where you can't perform a job. So it doesn't count for, like, redundancy. There are certain, like, redundancy covers to where if you aren't within a job at the time, you can still pay a premium. Back. But in saying that, the income support covers for if you're sick or injured. So if you're out of work for a period of time, you can't claim on your income protection cover for that. But the second part there in regards to benefit period, you're right.","start_word":2291,"end_word":2816,"sentiment":"neutral","sentiment_score":-0.03314491432202633},{"text":"Sort of some people do decide to go for the more five year because if you hurt yourself, kids, and you're unable to work, there's a high likelihood that no matter what the injury, you're either back at work in that five year period or you might be looking down the route to total permanent disablement and making a claim that way. If you're on claim for more than five years for income protection cover, there's a likelihood that you might never go back to work, and you might never go back to work, like, in a role or a similar role to you're currently working, if that makes Yeah.","start_word":2817,"end_word":2926,"sentiment":"negative","sentiment_score":-0.4096784293651581},{"text":"Yeah. Okay. So this but because it says special conditions sense. loading and exclusions, it says no Mhmm. no claim shall be payable under the insured benefits whether condition of event or event giving rise to the claim results from any disease, condition or disorder or lumbar support, it's intervertebral discs, joints, no root spinal cord or supportive musculature or ligaments or any treatment surgery complications thereof. So then what is the income? What defines what am I going off my income for if it's an injury? Then if they've taken excluded all the main injuries out, then what's the point? So that specific exclusion is related to that lumbar spine exclusion that you got when you originally took out the policy just due to previous health. So with that too, Kij, if you got into a car accident and broke your back and it's related specifically to the car accident, not your preexisting injury that did occur to your your spinal region, you'd still be covered under your income protection policy. It's just anything and any condition that is related specifically to what was preexisting I don't in have those an numbers. injury. I don't know how this has come on record. I don't have an injury. What I was told was at that time, I used to go for whatever To the chiropractor. chiropractor. Yeah. Yep. And the exclusion of this thing was only for one year. This is my second year. Right? I I came on board on twenty four February. So this is my third year. So the third year is going to start from nineteenth March twenty twenty six. And I was told that the exclusion I mean, this exclusion would be only for the first two years or something or first one year or something.","start_word":2927,"end_word":3227,"sentiment":"neutral","sentiment_score":-0.18018354930948977},{"text":"Why is it being carried forward? And that's where my confusion is.","start_word":3228,"end_word":3239,"sentiment":"negative","sentiment_score":-0.4098972678184509},{"text":"I'm So I'm exclusion clearly stay on yeah. the policy until such time you review them. Now normally for things related to chiropractic, seeing a chiropractor, and those sort of things, they they wanna see, like, three to five years of you not receiving any treatment or a sort of, you know, just that it's for general maintenance and care.","start_word":3240,"end_word":3299,"sentiment":"neutral","sentiment_score":-0.2390710413455963},{"text":"Now insurers always look to the worst.","start_word":3300,"end_word":3306,"sentiment":"negative","sentiment_score":-0.4843178987503052},{"text":"Now I wasn't around when that policy was written, so we can, Yeah. like Priya's says, based on, like, what you've No. But this gone is through. wrong. Yeah. You were you weren't there, Mikhail. I understand you weren't there, but Yep. whoever was there told me that it'll be excluded after or it will be removed from these exclusions after a year if you don't go to the chiropractor. And I have not been to the chiropractor in the whole of 2025 or '24 '24. I don't have Yes. any problems in my back. This is Yes. I I mean, otherwise, So like I I need said, you we did need to know find that it another insurer. Yeah. We need to reset. We can just even look to do the process of the musculoskeletal questionnaire with Neos first to see if we can get it removed based on your answers from that. As I said, I don't know the exactly what you've stated during that process when you went through it. But, generally, if you do ask any chiropractor for any sort of injury, if it was just maintenance, like I said, like you said, you can look at getting it removed. So we can go down that route as well and look at getting Yeah. that We need to. reviewed. Yeah. That's Yeah. not We a problem need to at because all.","start_word":3307,"end_word":3541,"sentiment":"neutral","sentiment_score":-0.13074500858783722},{"text":"because this is so ridiculous.","start_word":3542,"end_word":3546,"sentiment":"negative","sentiment_score":-0.5634620189666748},{"text":"I went to the chiropractor for a tech neck. You know, tech neck tech neck is because of laptops. I Yep. went there for a neck thing. I was never there for my spine or back thing. I don't Yeah. know how Well, it next got next to record. next next is considered is fine. So so, like, that's just Possibly, oh, but this is lumber. yeah. They're going lumber is all lower back, isn't it? Yep. So, like, as I say, kids, like, Oh, I no. wasn't around for that, so no need True. to get worked up. We can review that. We can go Yep. through the process with Neos first. If they're not willing to review it, then we can just, as you said, go to market again. We can do that pre assessment process. Again, I know previously, other than, like, obviously, seeing a chiropractor, you didn't disclose any health issues and things like that, so it shouldn't be an issue to go to market again. Yep. We can obviously review this policy first and see if we can look at getting it removed. Now I will ask you a few questions there in regards to that there, kids, so bear Yep. with me. Yep. I'll just get a pre assessment questionnaire Yeah. Because so we because can of these things, probably the premium is also bumping up a little bit is my assumption. no. Exclusions are just excluded. If you get a loading, it Okay. increases the premium, but the exclusion just excludes the the Yeah. the area Okay. that it yeah. So bear with me there, kid. Georges. In fact in fact, I just rode my bike to the office and back Yep. today. Yeah. And look, I I will be honest. Like, insurers are quite strict and stringent, and they do exclude anything they can for whatever reason they generally Yeah. can. But as I said, we can review it. We can have a look at it and see in regards to your case of, obviously, just doing it for general maintenance for the next region, how they'll view it moving forward, and then we can confirm with a couple of other insurers how they'd view it. And then if it comes back that another insurance would accept your extended rates, we can look at rewriting that as part as your advice as Yeah. Exactly. If yours is difficult well being acting difficult, then I'm happy to move on to someone else that gives with yeah. someone Not else. a problem. Generally, with your, like, occupation as well, it shouldn't be much of an an issue. Like you said, you're not downhill mountain biking and things like that. You just, you know, you're quite quite standard in what you're you're doing, so that's Yeah. fine. Bear with me. I'll just bring up your old pre assessment as well and just confirm a few things.","start_word":3547,"end_word":4037,"sentiment":"neutral","sentiment_score":0.021494931349807747},{"text":"Perfect.","start_word":4038,"end_word":4038,"sentiment":"positive","sentiment_score":0.5146141648292542},{"text":"So still senior business, and Yep. then income, yeah, the $1.04 8. So that's changed a little bit. And then with your role there, you're not going any on-site visits for anywhere even if it's, like, the other, like, corporate workplaces Nope. or remote? Yep. Perfect. No travel. No travel in my work profile. And now I know you said previously that you were a social smoker, so that can affect premium. I know you stopped it at some point, but just have the occasional one. Now if you haven't been smoking or touching cigarettes for a twelve month period, you can look at obviously not having smokers rates at all. If you have touched nicotine products within that time frame, you would be looking at smokers rates, which does affect insurance premiums. Now have you stopped, like, casually smoking within a twelve month period there, Tukic? Yeah. Well, I can't guarantee that, but it's casual Yep. So that will still mean that casual. smokers rates Yeah. do apply at some point if you're not touching tobacco at all. So it doesn't matter if it's one a day, if it's 20 a day. It just it's smokers' rates. It's smokers' rates. And if you don't smoke within a twelve month period, that also is something that we can look at getting removed, and Yeah. that does quite heavily affect premiums. So that would be another reason why they're higher. Your occupation's quite safe in terms of its nature, so that's not a huge issue. That is another key factor on on price. So with that one there as well bear with me. I'll just bring up the old one again. And then still just a a social drinker not having too many drinks on the average. Yep. No changes to the score. Right. Not planning on doing any travel in the next twelve months or, you know, recent, like, going overseas or anything like that? Well, I can't guarantee that. It can happen because my family stays overseas. So Yeah. But do you Yeah. have, like, any definite plans, like, No. booked? Yep. No. That's No. fine. It just it does make a difference. Sometimes they exclude certain regions and things like that. You know? So that's just why I asked. Now in regards to your your health there, you stated that, obviously, no other changes, no injuries or sicknesses or illnesses or anything. You haven't seen a GP and they've stated anything, like, since you've last gone? No. I think and then the weight's still sitting around the sort of eighty Sorry. What is Your your weight is still sitting around, like, a eighty? it? Yeah. Yep.","start_word":4039,"end_word":4486,"sentiment":"neutral","sentiment_score":-0.06023060337507299},{"text":"Perfect.","start_word":4487,"end_word":4487,"sentiment":"positive","sentiment_score":0.36910688877105713},{"text":"Now just in regards to the the neck, was it just tight like, a tight neck, like, that you went to a chiropractor originally? Yes. Yep. And when did you first notice, like, the the tightness in the neck? Like, what year or, like, my year and month, if you know? I wouldn't remember that, mate. Just What it is the what is the answer that I've given last time? Is the one that I stick to. generally. Yeah. It's not in the the pre it would have been in the application. I can now try and find the application to see what you disclosed. Yeah. So let me find what was the chiropractor's name? I can I can find the receipt send the earliest receipt for It's it's mainly, platinum? yeah, for, like, your, like, your first trip there and then, like, your last trip to the chiropractor. Yeah. Exactly. That's what I'm trying to Yeah. And it was it find just, in like, my mail. Yeah. slight stiffness slight stiffness in the neck? Like, there wasn't any sort of you know, couldn't turn your head. It was or anything like Yes.","start_word":4488,"end_word":4680,"sentiment":"neutral","sentiment_score":-0.056447893381118774},{"text":"Stiffness in my neck because of the laptops.","start_word":4681,"end_word":4688,"sentiment":"negative","sentiment_score":-0.4115728735923767},{"text":"that? Yeah. Would you say it was, like, mild or slight or just, like, you know, it's quite significant? Or Just, like just a slight stiffness that you just noticed when you were moving around a little bit that it was a bit tight, or was it like you couldn't turn and look one way? Oh, no.","start_word":4689,"end_word":4745,"sentiment":"neutral","sentiment_score":-0.2485290169715881},{"text":"It was it was mild, but it was just nagging.","start_word":4746,"end_word":4755,"sentiment":"negative","sentiment_score":-0.4308469593524933},{"text":"You know? So Yep. Yep. over a period of time before it could really get really severe is when I started going to the chiropractor to get it fixed. Yep. Yep. That's it. And would would you say, like, the this frequency of symptoms, it was just like a little niggle that you wanted to address before the maintenance before it became anything else? Yes. Before Yep. it multiplies or becomes into bigger problem, I need to see someone and get some something done, exercises, whatnot. So the chiropractor suggested exercises and would what do they call it? Adjustment. Who would call me for an adjustment once a month? And then how often did you go, like, in terms of session for those adjustments every month? Well, it's it always starts with two or three sessions in the month for the first few months, and then it slows down to once a fortnight. It tapers down to once a fortnight to once a month. So I went there from the month just a second. 2023. So from May 2023, Yep. and until April 2024. However, it does sound for a full year, but it wasn't that many adjustments. It was starting adjustments were weekly, and then it moved to fortnightly, and then it tapered down to monthly. Yep. So was it, like, two months weekly and then two months? Fortnightly, and Yeah. then it was only about six or seven adjustments for the rest of the year. April 24, then I have a invoice for March 24, then an invoice for there are two months in the middle that I he did not ask me to come.","start_word":4756,"end_word":5032,"sentiment":"neutral","sentiment_score":-0.040192827582359314},{"text":"Everything was good.","start_word":5033,"end_word":5035,"sentiment":"positive","sentiment_score":0.4279351532459259},{"text":"Uh-huh. So then I have twenty fourth November. Then oh, interesting. It wasn't that yeah. Yeah. Yeah. Yeah. So it was monthly till about sorry. Weekly till about for about first three months. First three months is weekly. Yeah. Yeah. And then two months with the the two adjustments a month, and then six or seven Yeah. Six to seven the rest of the year. As I said, even if it was general maintenance there, they might still view it as looking closer to that three to five year mark, as I said. I'll I'll check with Yep. the your Neos, and then I'll check with a few other insurers. But even if it's not an injury, like, an exclusion isn't the end of the world either, kids. It means that, basically, anything related to the stiffness of the if you were unable to work, it means you wouldn't be able to claim on the policy. But I'm assuming even with the stiffness in the neck, you could still complete your role and you could still go back to the physio for that.","start_word":5036,"end_word":5218,"sentiment":"neutral","sentiment_score":-0.010781890911157012},{"text":"But the likelihood that you'll be off work for more than a month with a a stiff neck related to that is a little bit slim, but then we'll we'll keep an eye on it.","start_word":5219,"end_word":5253,"sentiment":"negative","sentiment_score":-0.3697945773601532},{"text":"And then if it falls to that three to five year mark, we can look at getting it removed then as well. Oh, yeah. Exactly. I mean, things happen to people. Right? I mean, someone might Yeah. have a knee pain, someone has a back pain, someone has a joint pain, and it is everyone's evolving, everyone's aging, everyone's growing in their ages, things will happen that I don't understand that they're being too strict about this. It's just the way the, yeah, the retail cover work. I've, like, had clients that have mentioned that their hand gets a bit stiff and it's cold, and then they've got an arthritis exclusion even though it wasn't diagnosed and things like that. Don't worry. We're constantly fighting with insurers, so don't feel like I'm not on your side. I'm just trying to set the expectation. I understand. Yeah. And the degree of recovery that you Yeah. consider at full at the moment there, kids, you're not having any sort of ongoing issues with Yeah. that? About which one? What recovery?","start_word":5254,"end_word":5431,"sentiment":"neutral","sentiment_score":-0.17104648053646088},{"text":"For your neck, it's like a full recovery.","start_word":5432,"end_word":5439,"sentiment":"positive","sentiment_score":0.399107813835144},{"text":"You don't have any ongoing issues at the moment. It's fine now that you're not going to the chiropractor and everything?","start_word":5440,"end_word":5460,"sentiment":"neutral","sentiment_score":0.20365570485591888},{"text":"Yes. 100% fine. Perfect.","start_word":5461,"end_word":5464,"sentiment":"positive","sentiment_score":0.4862626791000366},{"text":"And did you undergo any sort of scans or X rays or anything in regards to that? For I mean, when the chiropractor starts, they always work with X rays. They do not start without X rays. Yep. And did anything come from the X-ray other than, like, doing the adjustment? No. Yep. I mean, surgery wise or something. No. If Yeah. that Okay. is what you are leading to. Yeah. Well, it just like, if any like, if they gave you any sort of diagnosis from that. And sometimes they do request medicals in regards to that. So, like, if you sort of disclosed that you got sort of scans and X rays, the insurer might request those from that when doing those application reviews. And then they'll have a medical expert review those as well, like the independent ones. But in regards to injury to their kids, did you take any time off work at all? No. Yep. And were you taking any medication, any pain relief, anything like that in that time frame? Nope. Perfect. And, yeah, if you don't have any other sort of health that has popped up in the meantime either, that should be fine. I'll just use those details to, one, double check with your current policy and then check with a couple others depending on if that's reviewable currently or not. Now in regards to the policy itself, the kids and the cover amounts, were you still happy with the cover amounts that you covered for? Was it just sort of looking at potentially the the waiting period for that income protection? Or Yeah. Yeah. So, oh. see, income protection was one thing. I'm not Yep. sure if I really want, the income protection, for that long. I I was thinking that his income support cover, you know, unfortunately, did not explain what the income support cover really means. Yep. They have they have correct explanations where it is inclusions and loadings, but it is not they will not explain when is What it the income. actually covers yeah. And Yeah. when it's actually applicable. No. I completely Yeah. understand. Do you feel like you have a clear understanding now of what income protection actually covers for and Yeah. what it doesn't? Yeah. Yes. I have. But is there any way that I can lower that premium, which means I have to lower the sum insured is what I understand. We can change that benefit period too. So if you knocked it down to that five years, your current policy is sitting around that 4,500 mark, it would drop it down to, like, the $34.50, so $3,450 sort of mark as, like, a rough estimate. If you were to just put that benefit period down to the five years and be comfortable with that, if you were to end up on a claim, it would only pay for five years maximum.","start_word":5465,"end_word":5953,"sentiment":"neutral","sentiment_score":-0.043749797563611366},{"text":"Oh, and I cannot revisit this in after the sixth I mean, the starting of the sixth year and say, okay. Roll it for another five. I can't.","start_word":5954,"end_word":5981,"sentiment":"negative","sentiment_score":-0.3548419773578644},{"text":"Right? But, like, explain that again, sir. Just like, so as in, like, you have a policy, it pays for five years, and then you start again for another five years. Is that what you're asking? Yeah. I mean, for the cover only for the cover. Let's say I start in '26. So '20 Yep. '6, '27, '28, '29, and '30, the five Yep. years, I'm in I'm covered for the support, you know, income support cover. And in '31, it is not there on my policy. And then I can I ask for another five years later on if I So have not claimed that them anyway? that's it. It's not like you've only covered for five years, like, in terms of, like, the policy life. The policy life still holds up until, I think, it's age 65.","start_word":5982,"end_word":6120,"sentiment":"neutral","sentiment_score":-0.13738422095775604},{"text":"It just means that if you were to hurt yourself and end on an income protection claim, it would only pay for five years in total.","start_word":6121,"end_word":6146,"sentiment":"negative","sentiment_score":-0.4431750774383545},{"text":"And the policy itself, you can hold all the way up to that even if you don't like, all the way up to the age of that 65, I believe it is for Niels. Don't quote me entirely because I'm not looking at the PDFs, but the policy would hold to that age. But it's just specifically if you're on claim.","start_word":6147,"end_word":6207,"sentiment":"neutral","sentiment_score":-0.040558379143476486},{"text":"So if you broke a leg or something like that and were unable to work for three months because you couldn't, you know, get into your workplace or get into your car, you could essentially end up on a claim.","start_word":6208,"end_word":6247,"sentiment":"negative","sentiment_score":-0.3495784103870392},{"text":"And then that claim could pay for three months and then say you're off claim, your policy would still be enforced, and you wouldn't lose that policy. It Yep. would just mean that you've had a claim that paid for three months. Now if you injure yourself in a car accident when I'm able to work and you end up on a claim, you could be getting paid for your income protection support cover for five years. But then after that, if you haven't returned to work, it doesn't matter. They're gonna cut that payment off at that five year mark, and then you can't claim additionally again on that and ask for another five years, if that makes sense. Yeah. If you were Yeah. Yeah. Alright. to reinjure yourself with something else, you potentially could make another claim for something else or a different injury, but it wouldn't be likely to the same injury, if that makes sense. Yep. Yep. Alright. So let's move on. I'll leave the income protection as is. It has an in some insured of $8.09 $7.03. Is that Yep. the amount in such a claim in such case of a claim, $8.09 $7.03 is the four months sub insured? So that's the monthly benefit. Obviously, tax comes into it, but that's the monthly amount you would receive if you were to make a successful claim, if that makes Yep. Yeah. sense. Okay. So how is that number derived? Is it derived because it's such an odd number, $8.09 $7.03? So the way that works is when they originally do the application, you do it for 70% of your current income. So 70% Oh, of okay. whatever your current income was at the time, because you can only do up to 70% of your income because if people are getting a 100% of their income, you know, they're just gonna keep trying to stay on claim because you're not you're you're getting a full full ride, basically.","start_word":6248,"end_word":6579,"sentiment":"neutral","sentiment_score":0.031068743833520235},{"text":"Whereas if it's 70%, it's more enticing for people to return to work because you're missing out on a certain level of your pay packet even if you're not working, So trying to get people back at work.","start_word":6580,"end_word":6617,"sentiment":"positive","sentiment_score":0.34029772877693176},{"text":"Now with that premium amount there as well and with the the sum insured because you have CPI on that as well, whatever they deem the CPI rate to be, whether it's, like, they're doing, like, the aiming for the cash rate or things like that, it increases your policy each year by, like, two to 5% depending on what the markets are doing and what things are doing in general. Now so your policy does creep up in terms of, like, how much you're covered for in addition to, obviously, it goes up in price for not only the what the government's doing, what the taxes are at the time, and then also your age as it get up it gets older, and then the amount that goes up goes up a little bit well as as well.","start_word":6618,"end_word":6756,"sentiment":"neutral","sentiment_score":0.022215157747268677},{"text":"So you'll notice even with your life and TPD, that does creep up a little bit each year.","start_word":6757,"end_word":6774,"sentiment":"negative","sentiment_score":-0.3688172698020935},{"text":"Alright. Okay. So there's not much that we can do for the income support cover. Alright. And so let's You move could on to do that. the you could do the five year benefit if you'd like.","start_word":6775,"end_word":6811,"sentiment":"neutral","sentiment_score":-0.07574941962957382},{"text":"No.","start_word":6812,"end_word":6812,"sentiment":"negative","sentiment_score":-0.3421424627304077},{"text":"I'll just leave it because, see, even if it is a five year benefit, it's still going to charge they're still going to charge me some amount on the policy. Right? Yep. As Yeah. as I said, yeah. So, like, if you were to change it to from the age 65 to a five year benefit, it's about a a thousand dollar sorta difference in in premium just based Right. on that. Yeah. No. I'll leave it then. I'll leave it the way it is because it gives me some relief that I am covered because of an accident or whatever, right, in such cases. Yeah. 50 You'd be covered all the way up to the age of 65 if you five. were on on a on a serious claim and were unable to return to work. Yeah. And obviously meet the definitions of the insurer. That's not up Correct. to Exactly. us. Yep. And this insurance cover will definitely cease after I am retired. So we, obviously, as a part of you and your reviews, look at, like, your insurance you hold and everything at the time as well. If you feel like you're in a position where you're no longer working and you you are retired, we can just get rid of the policy because you can't ensure for money you aren't earning, if that makes sense as well. Yeah. Exactly. Exactly. Alright. Yep. So then that's settled. Let's move on to the attached TBT cover and life cover. Yep. I just want to bring the sum assured down to 1.5. Yeah. I'll see what that will look like in terms of Yeah. Let's break that down and bring it down. There's no point going for one point Just bear with me. It's just loading up to eight. let you know what that difference will be. Yep. So bringing it down from the 1.8 to the 1.5 for life and attached total permanent disability, it brings the policy premium down from 4,572 to 4,162. So that of only $400 sort of saving. Yep. Alright. So let's stick to that. Let's get it revised to 1.5. And Yep. I definitely want to if if I I don't know if I'm allowed to ask for this, but I definitely want to look at another insurer and see if the premiums are competitive. Yep. Obviously, you know, given that it's in, like, its first few years of the policy, like, in the first three years, generally, the premiums aren't too different compared to market just as, like, the way they work because they are, like, cumulatively is, like, more of, like, a curve. So those first few years, you do get, like, a bit of a discount on the the premiums, not so much of a discount, but you don't get as many price hikes. But then after that, each year, it tends to hike up a little bit more. So we can definitely, as I said because I'll call Neos and see what they sort of gauge in regards to your previous chiropractor history, if you'll still be an exclusion, if it is reviewable or not. And then with that, based on your occupation, I'll go to a couple of other insurers that rate your occupation quite well, and I'll double check what their pricing is and if the exclusion applies then as well. Yep. Yep.","start_word":6813,"end_word":7378,"sentiment":"neutral","sentiment_score":0.00907902072789312},{"text":"Not a problem.","start_word":7379,"end_word":7381,"sentiment":"positive","sentiment_score":0.3851800560951233},{"text":"Was there anything else in regards to that kit that you wanted to have a chat about? Or Nope. So only one question now. You will work with getting the price. There's some insured for life cover and TPD to 1.5. That will take effect on the next policy. Will you be also finding an, I mean, a competitor for me or now or not? Is that an action item or not is my Yes. question. So so with that, like, as a kid, I'll I'll double check with Neos compared to, like, your the information you've given me if we can remove the the spine exclusion given what you've told me. And then I'll also double check on our software there what rates your occupation quite well and then get the pricing from those insurers as to what a policy might cost for the same amount that you currently Yep. have, and Mhmm. then if that exclusion will likely still apply on. As I said, with NextUp and things like that, even if it's minor, they generally look at that three to five years for, like, reviewing exclusions. And I've I've seen it sort of pushed out to ten for some people as well. Like, it just all depends on how they deem it. But I'll include that. And then with that two kids, did you want this reduction to go through before the advice, or do you want to us to do all the research and we have a conversation with you in that week and a half booking there as well and give you the information on how you'd like to proceed and whether or not you wanna do the quote straight away or wait for the advice on what the recommendation I see. I want to was?","start_word":7382,"end_word":7682,"sentiment":"neutral","sentiment_score":0.07969963164424579},{"text":"Because I I can definitely do I want can to do the quote for the yes.","start_word":7683,"end_word":7698,"sentiment":"positive","sentiment_score":0.3766592741012573},{"text":"the the reduction now, and I can get the team to get that off to you, and then we can get that one sorted and then just go from there. Yes. So this quote has to be or the reduction on this quote has to happen first because Yep. nineteenth March, whenever they charge by super, I'd want them to charge the lesser amount for 1,500,000.0. Alright? Yep. Yeah. That's how I'm With insured. that dude, just to let you know as well that they do, like, rebate amounts as well. Like, even if you are charged it and you're overcharged and you change it from that, whatever the difference Yeah. is, it is, like, aggregate across the days that you hold the policy, but just so Yeah. It is prorated. So, yeah, I'm you fine are with aware. that. But since we've got time, we've got the whole month, today is what the eighteenth. Right? And precisely, we've got the whole month. Why not get that quote created or, I mean, Yep. expedited? Not a problem at Yeah. all. Yeah. Yeah. Yeah. Yeah. No. That's not Right? a problem at all, And Kage. then get a comparison also. So before the nineteenth, I would like to see if there's a comparison available. And if there's a comparison available, I would like to take a decision. Yeah. Yes. So we're doing updating your advice anyway. So I'll get that by our booking on the second there and give you some sort of options in regards to the insurances as well and what sort of the competitive pricing are and if they're willing to remove any of that that exclusion. As far as the quote goes, I'll try and get that sent off to you, like, this afternoon. I just have to do forewarn you that when it comes to even though you're looking at potentially rewriting anyway, when it comes to increasing cover, unless it's under, like, certain life events, you do have to go through underwriting again. And then it's just to be wary of, like I know you've got a bit of debt, but a lot of that is into regards to, like, having an investment property, things like that as well. And you do have quite a bit of savings. So in saying that you're quite well protected in the sense that even with the 1.5, it would cover your primary residence debt and some income replacement for, you know, probably that two to three year mark given that your income's quite high. And then you'd still have, like, your other assets and things like that that you'd have to work with in regards to that and your also your superannuation balance. As long as you're aware and comfortable with that, I'm comfortable just to send you out that quote and look at that reduction. Yes.","start_word":7699,"end_word":8177,"sentiment":"neutral","sentiment_score":0.10418051859220034},{"text":"Precisely.","start_word":8178,"end_word":8178,"sentiment":"positive","sentiment_score":0.3424306809902191},{"text":"With all Yeah. the truck buses in mind and those numbers put down on paper for me, I think 1.5 is the right sum. There's no point going that far with 1.8. Yep. Yep.","start_word":8179,"end_word":8212,"sentiment":"neutral","sentiment_score":0.15760180354118347},{"text":"Not a problem at all. As I said, the the cost savings will be around that $400 mark in terms of that for that next rollover amount, if that makes sense.","start_word":8213,"end_word":8243,"sentiment":"positive","sentiment_score":0.39044350385665894},{"text":"Yep. Yep.","start_word":8244,"end_word":8245,"sentiment":"neutral","sentiment_score":0.19137942790985107},{"text":"Not a problem at all, Kitch.","start_word":8246,"end_word":8251,"sentiment":"positive","sentiment_score":0.3888908922672272},{"text":"Was there anything else that you wanted to have a chat about while you've got me there? Nope. That's it.","start_word":8252,"end_word":8271,"sentiment":"neutral","sentiment_score":0.1214943304657936},{"text":"Perfect.","start_word":8272,"end_word":8272,"sentiment":"positive","sentiment_score":0.5613465905189514},{"text":"And Well, I'll then second March now, we've got the date locked in for the quotes compare Yep. comparative codes and for the document so that I can understand some numbers. Yep. As I said, it'll just be some tabled up figures there for you to give you sort of a rough idea of Yeah. the different options. It won't be just like the full Yeah. reporting and things like that as well. As I said, Yeah. it's there. Yeah. I've I just don't gotta collate it. Yeah. yeah. Yeah. Yeah. Because, see, on half twenty four, I log in. There are there are a thousand reports there. Yep. Right? And I'm not a person who's from the finance world or the field.","start_word":8273,"end_word":8395,"sentiment":"neutral","sentiment_score":-0.009653978049755096},{"text":"So those reports really don't make any sense to me.","start_word":8396,"end_word":8405,"sentiment":"negative","sentiment_score":-0.3785467147827149},{"text":"So I want someone Exactly. to explain to me So yeah. in a little That's bit of system. Yeah. yeah. That's why I wouldn't send you, like, all the reports that I've got because for you, it's probably more confusing than if I simplify it down to the figures that actually matter because the things that spits out, there's a million different things. There's only a few that probably actually you're concerned about or wanna actually hear about if that makes sense Right. as well. Yeah. Exactly. Yep. Exactly. Precisely. Yep. Yep. Completely understand, kids. I I know exactly where you're coming from. As I said, it has taken a bit longer, but there there has been a lot of things going on the background. Yeah. Sorry that the business hasn't communicated that properly really in the the newsletters and things like that, but a lot of it, yeah, is sort of stuff that not to concern really the the clients with. Obviously, it does affect you in the background because you're going through the process at the moment. For Yep. the large majority, though, it is a little bit out of sight out of mind and normally wants to know when we're switching CRMs and softwares and things like that as well. So, again yep. Yep. A little Not bit of a a lack problem. of communication, but, yeah, we're we got it booked in there.","start_word":8406,"end_word":8642,"sentiment":"neutral","sentiment_score":-0.10281009858922112},{"text":"We'll get it sorted moving forward.","start_word":8643,"end_word":8648,"sentiment":"positive","sentiment_score":0.3373642861843109},{"text":"Yep. And do remember, I think I've unsubscribed to the OQ Financial newsletters. So Well, I yeah, that would I really totally play a difference learn as well. communication. Yeah. I totally learn Yeah. communication from your side or for anything that impacts me, basically. You know what? Yeah. Okay. Yeah. Yeah. No. That Yeah. makes a lot more sense there as well, kids. So Yeah. Yeah. yep. Yeah. Yeah. Newsletters, Completely not understand. everyone subscribes to kind of thing. Yeah. Yeah. No. No. That makes a lot more sense there as well. So okay. Not a not a problem. Well, we got it booked in there in a a week and a half there, and we'll have a bit more of a conversation, or you can have a look at a few Sure, mate.","start_word":8649,"end_word":8783,"sentiment":"neutral","sentiment_score":0.1234508901834488},{"text":"Not a problem. Thanks, Kyle. things. No worries. Could you enjoy the rest of your afternoon? Thanks for your time. Yeah. You too, mate. Cheers. Have a good one. Bye bye. Thanks. Bye.","start_word":8784,"end_word":8816,"sentiment":"positive","sentiment_score":0.6136535406112671}],"average":{"sentiment":"neutral","sentiment_score":-0.04352679650907117}}}}