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I was just reaching out to you as we received an email from Neos this morning. Did you have a couple of minutes to have a chat with me? Yeah. Amazing. Before I jump into it, I do need to let you know that calls are recorded. And just to make sure that I'm obviously talking to who I think I am, if you are able to confirm, security, full name, date of birth, and address for me? Yeah. Email or address. Either either way. Perfect. Thanks, CJ. Okay. So we received a email from Neos that you had you'd emailed them Friday evening to cancel your Neos policy as you're intending on setting up an SMSF fund and rolling all of your funds over to the SMSF? Okay. Have you I guess, can I ask a bit of what has made you sort of pursue an SMSF fund? Okay. Are you already under contract for a property under the SMSF fund? Okay. Are you buying like, you bought residential property? Or okay. And, like, your broker's confident that you're gonna be able to get all the applications and everything finalized before the time cutoff? Okay. Alright. And have like, I guess, when did you sort of make the decision to to transition that way? Okay. So it it's it's been a quick turnaround for you. Yeah. Okay. With I guess with your NEOS policy, you do like, your NEOS policy could be transferred to your SMSF fund, then paid by your SMSF fund. It doesn't have to be, I guess, canceled. I guess yeah. Yeah. It definitely it can it can be transferred to be owned by your SMSF, or I guess we could we could look into rewriting the policy. You know, obviously, have a look at have a look at where the policy sits to see whether there's anything on market and rewrite the policy to be paid for by your your SMSF fund and and kinda go from there. I mean, the the choice is obviously yours. If you do choose to cancel the policy, you just have to understand that you won't have those benefits anymore. So if anything happened to you that, you know, you you're not insured personally? You mean, you don't you don't have to get insurance? You don't yeah. Okay. Good. No. No. Cool. Amazing. And I so your Neos policy is obviously it it's in place right now. Currently, the policy currently, policy covers you for, like, life and total pump disability insurance. So it's it's sort of 1.4 of life and 1.4 of of total pamper disability. We we could transfer that to be paid by the SMSF fund. Obviously, like, as you're aware, the premiums are are, like, have have just been paid for the year. If canceled within thirty days of the renewal notice, generally, you get all of the funds back. If you wanna look at transferring it over to your SMSF fund, ultimately, you have, you know, twelve months to do so. I can see that your SMSF fund probably doesn't have any money in it at the moment, unless nothing that's come from Netwealth because all of your money is currently still in Netwealth. Hi. Generally speaking, SMSF fund will have to request the rollover directly from the self managed super fund. It can't be pushed from Netwealth to the SMSF. It has to the request has to come. Okay. Yeah. Yeah. I can I can see majority of it sitting in cash already ready to go? There's just a few assets still still pending sale. It it just looks like it's sort of like the back end settlement. So while everything might be like, might represent as sold, it just looks like there's there's sort of just the the final settlement of trades still going through. Yeah. So it's just until that happens that it just it sort of won't transition out. Yeah. So there's I guess there's a couple of options moving forward because, like, we're the adviser that set up the Neos policy. We can continue to advise you on just the Neos policy. So where we can sort of reach out to you once a year, just touch base, you know, make sure that the cover is still appropriate and go from there. We can you know, in in that instance, if you want us to keep, like, being the servicing adviser for that Neos policy, we can help you with transferring the policy over to your SMSF fund because it's a it's a transfer of memorandum. So it's it's a complete ownership transfer across. So there's a little bit of paperwork involved. Alternatively, if you want us to cease being your advisers completely and not have any engagement or contact moving forward, then what we can do is we can just leave it in your hands to contact Neos. Ultimately speaking, Neos, at the moment, their process is if they don't hear from either us or you by the August 10, they will cease the policy, and it will completely close, and they'll refund anything outstanding. Generally, that refund will go back to the account that paid for it to begin with. Yeah. So, like I said, if you want us to continue advising on the policy, I'm more than happy to assist with that side. No. It's it's part of everything. Like, we get insurance commissions on the insurance policy so we can continue servicing servicing this the insurance policy for you and with you. Yes. No. That's that's understood, I guess, implied. No. Yeah. You would you would basically become an insurance only client. So we would just advise you on insurance only. Yeah. Mhmm. Okay. Perfect. I'll well, I can kick start that side of things, get the paperwork. It takes a couple of days to come through from Neos. We obviously have time. If you're wanting to definitely keep the policy, we can we can get that transferred. What I can do is I will send you an What I can do is I will send you an email just requesting some of the SMSF details so that way I can prefill the form for you as much as possible before I send it through. It it can change a little bit, but I never see it drastically change. When I request the transfer, I I get it I'll get a quote at the same time, and I'll email that through to you so you have it all so you can make an informed decision. And I guess I wouldn't be doing my due diligence if I didn't at least ask. I guess, do you want me to have a look at possibly rewriting the policy to a brand new provider, see if there's anyone else on the market that may offer, like, a comparable pricing? Yeah. Yeah. So you wanna keep it because it's currently 1,000,006 hun sorry. $1,465,065. So $1.04 $6.05 $0.06 5. That's for both. That's that's the amount for both of them. So life insurance is that much and total family disability is also the same amount. Yep. Yeah. Absolutely. I'll yeah. Yeah. No. I can do that. Just double checking, like, nothing about your occupation's changed. Health is still still good. No issues on those fronts? Good. Cool. Cool. Cool. Alright. Well, I'll I'll get cracking and start reaching out, contacting Neos and and grabbing a few figures and go from there. Yeah. Yep. Yep. No. That's okay. So it's so, basically, there's two components to it. There's the life insured and there's the owner. So the SMSF fund becomes the owner, which means upon a claimable event happening to the self so to the life insured. So if anything happened to you as the insured person, the money gets paid to the SMSF fund. And what that what happens from there is the SMSF fund can then distribute that that that money depending on what needs to happen. So if it's a life insurance benefit, the money gets paid through to the SMSF fund, and then as your as your your partner, your wife would be able to distribute that money to herself in accordance with the beneficiary details on the fund. This so this policy covers you and you only. I can look at a policy for your partner that could be covered by the like like, where the SMSF fund pays for it, but I would need a few details to be able to try and write that. Yep. Mhmm. Yeah. Uh-huh. I can do that. I will get cracking and have a look at it. No problem. Alright. No, CJ. My pleasure. Absolutely. Yes. Yeah. I will. My pleasure. You have a great afternoon. Bye. 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or Qfin Financial. Hi. My name is Larissa from Oakview Financial. How are you going? Yeah.\n\nReally good. Thank you. I was just reaching out to you as we received an email from Neos this morning. Did you have a couple of minutes to have a chat with me? Yeah.\n\nAmazing. Before I jump into it, I do need to let you know that calls are recorded. And just to make sure that I'm obviously talking to who I think I am, if you are able to confirm, security, full name, date of birth, and address for me? Yeah. Email or address.\n\nEither either way. Perfect. Thanks, CJ. Okay. So we received a email from Neos that you had you'd emailed them Friday evening to cancel your Neos policy as you're intending on setting up an SMSF fund and rolling all of your funds over to the SMSF?\n\nOkay. Have you I guess, can I ask a bit of what has made you sort of pursue an SMSF fund? Okay. Are you already under contract for a property under the SMSF fund? Okay.\n\nAre you buying like, you bought residential property? Or okay. And, like, your broker's confident that you're gonna be able to get all the applications and everything finalized before the time cutoff? Okay. Alright.\n\nAnd have like, I guess, when did you sort of make the decision to to transition that way? Okay. So it it's it's been a quick turnaround for you. Yeah. Okay.\n\nWith I guess with your NEOS policy, you do like, your NEOS policy could be transferred to your SMSF fund, then paid by your SMSF fund. It doesn't have to be, I guess, canceled. I guess yeah. Yeah. It definitely it can it can be transferred to be owned by your SMSF, or I guess we could we could look into rewriting the policy.\n\nYou know, obviously, have a look at have a look at where the policy sits to see whether there's anything on market and rewrite the policy to be paid for by your your SMSF fund and and kinda go from there. I mean, the the choice is obviously yours. If you do choose to cancel the policy, you just have to understand that you won't have those benefits anymore. So if anything happened to you that, you know, you you're not insured personally? You mean, you don't you don't have to get insurance?\n\nYou don't yeah. Okay. Good. No. No.\n\nCool. Amazing. And I so your Neos policy is obviously it it's in place right now. Currently, the policy currently, policy covers you for, like, life and total pump disability insurance. So it's it's sort of 1.4 of life and 1.4 of of total pamper disability.\n\nWe we could transfer that to be paid by the SMSF fund. Obviously, like, as you're aware, the premiums are are, like, have have just been paid for the year. If canceled within thirty days of the renewal notice, generally, you get all of the funds back. If you wanna look at transferring it over to your SMSF fund, ultimately, you have, you know, twelve months to do so. I can see that your SMSF fund probably doesn't have any money in it at the moment, unless nothing that's come from Netwealth because all of your money is currently still in Netwealth.\n\nHi. Generally speaking, SMSF fund will have to request the rollover directly from the self managed super fund. It can't be pushed from Netwealth to the SMSF. It has to the request has to come. Okay.\n\nYeah. Yeah. I can I can see majority of it sitting in cash already ready to go? There's just a few assets still still pending sale. It it just looks like it's sort of like the back end settlement.\n\nSo while everything might be like, might represent as sold, it just looks like there's there's sort of just the the final settlement of trades still going through. Yeah. So it's just until that happens that it just it sort of won't transition out. Yeah. So there's I guess there's a couple of options moving forward because, like, we're the adviser that set up the Neos policy.\n\nWe can continue to advise you on just the Neos policy. So where we can sort of reach out to you once a year, just touch base, you know, make sure that the cover is still appropriate and go from there. We can you know, in in that instance, if you want us to keep, like, being the servicing adviser for that Neos policy, we can help you with transferring the policy over to your SMSF fund because it's a it's a transfer of memorandum. So it's it's a complete ownership transfer across. So there's a little bit of paperwork involved.\n\nAlternatively, if you want us to cease being your advisers completely and not have any engagement or contact moving forward, then what we can do is we can just leave it in your hands to contact Neos. Ultimately speaking, Neos, at the moment, their process is if they don't hear from either us or you by the August 10, they will cease the policy, and it will completely close, and they'll refund anything outstanding. Generally, that refund will go back to the account that paid for it to begin with. Yeah. So, like I said, if you want us to continue advising on the policy, I'm more than happy to assist with that side.\n\nNo. It's it's part of everything. Like, we get insurance commissions on the insurance policy so we can continue servicing servicing this the insurance policy for you and with you. Yes. No.\n\nThat's that's understood, I guess, implied. No. Yeah. You would you would basically become an insurance only client. So we would just advise you on insurance only.\n\nYeah. Mhmm. Okay. Perfect. I'll well, I can kick start that side of things, get the paperwork.\n\nIt takes a couple of days to come through from Neos. We obviously have time. If you're wanting to definitely keep the policy, we can we can get that transferred. What I can do is I will send you an What I can do is I will send you an email just requesting some of the SMSF details so that way I can prefill the form for you as much as possible before I send it through. It it can change a little bit, but I never see it drastically change.\n\nWhen I request the transfer, I I get it I'll get a quote at the same time, and I'll email that through to you so you have it all so you can make an informed decision. And I guess I wouldn't be doing my due diligence if I didn't at least ask. I guess, do you want me to have a look at possibly rewriting the policy to a brand new provider, see if there's anyone else on the market that may offer, like, a comparable pricing? Yeah. Yeah.\n\nSo you wanna keep it because it's currently 1,000,006 hun sorry. $1,465,065. So $1.04 $6.05 $0.06 5. That's for both. That's that's the amount for both of them.\n\nSo life insurance is that much and total family disability is also the same amount. Yep. Yeah. Absolutely. I'll yeah.\n\nYeah. No. I can do that. Just double checking, like, nothing about your occupation's changed. Health is still still good.\n\nNo issues on those fronts? Good. Cool. Cool. Cool.\n\nAlright. Well, I'll I'll get cracking and start reaching out, contacting Neos and and grabbing a few figures and go from there. Yeah. Yep. Yep.\n\nNo. That's okay. So it's so, basically, there's two components to it. There's the life insured and there's the owner. So the SMSF fund becomes the owner, which means upon a claimable event happening to the self so to the life insured.\n\nSo if anything happened to you as the insured person, the money gets paid to the SMSF fund. And what that what happens from there is the SMSF fund can then distribute that that that money depending on what needs to happen. So if it's a life insurance benefit, the money gets paid through to the SMSF fund, and then as your as your your partner, your wife would be able to distribute that money to herself in accordance with the beneficiary details on the fund. This so this policy covers you and you only. I can look at a policy for your partner that could be covered by the like like, where the SMSF fund pays for it, but I would need a few details to be able to try and write that.\n\nYep. Mhmm. Yeah. Uh-huh. I can do that.\n\nI will get cracking and have a look at it. No problem. Alright. No, CJ. My pleasure.\n\nAbsolutely. Yes. Yeah. I will. My pleasure.\n\nYou have a great afternoon. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Larissa or Qfin Financial.","start":6.3199997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.020552799105644226},{"text":"Hi.","start":21.895,"end":22.375,"sentiment":"neutral","sentiment_score":0.09547601640224455},{"text":"My name is Larissa from Oakview Financial.","start":22.375,"end":24.055,"sentiment":"neutral","sentiment_score":0.10249495932034083},{"text":"How are you going?","start":24.055,"end":24.955,"sentiment":"neutral","sentiment_score":0.1362859159708023},{"text":"Yeah.","start":26.615,"end":27.095,"sentiment":"neutral","sentiment_score":0.2528224587440491}],"sentiment":"neutral","sentiment_score":0.09959517945261563,"num_words":17,"start":6.3199997,"end":27.095},{"sentences":[{"text":"Really good.","start":27.095,"end":27.735,"sentiment":"positive","sentiment_score":0.536895364522934},{"text":"Thank you.","start":27.735,"end":28.474998,"sentiment":"positive","sentiment_score":0.6173539459705353},{"text":"I was just 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me?","start":43.075,"end":50.935,"sentiment":"neutral","sentiment_score":0.03959791049841912},{"text":"Yeah.","start":58.739998,"end":58.98,"sentiment":"neutral","sentiment_score":-0.007677034940570593},{"text":"Email or address.","start":58.98,"end":59.86,"sentiment":"neutral","sentiment_score":-0.010492472598950068}],"sentiment":"neutral","sentiment_score":0.04896192901875251,"num_words":52,"start":39.97,"end":59.86},{"sentences":[{"text":"Either either way.","start":59.86,"end":61.079998,"sentiment":"neutral","sentiment_score":-0.005681891770412524},{"text":"Perfect.","start":65.22,"end":65.7,"sentiment":"positive","sentiment_score":0.34316956996917725},{"text":"Thanks, CJ.","start":65.7,"end":66.6,"sentiment":"neutral","sentiment_score":0.22464321553707123},{"text":"Okay.","start":67.06,"end":67.54,"sentiment":"neutral","sentiment_score":-0.01690288819372654},{"text":"So we received a email from Neos that you had you'd emailed them Friday evening to cancel your Neos policy as you're intending on setting up an SMSF fund and rolling all of your funds over to the SMSF?","start":67.54,"end":82.68,"sentiment":"neutral","sentiment_score":-0.16662525614866844}],"sentiment":"neutral","sentiment_score":-0.12477994678825464,"num_words":46,"start":59.86,"end":82.68},{"sentences":[{"text":"Okay.","start":84.44,"end":84.94,"sentiment":"neutral","sentiment_score":-0.03177125006914139},{"text":"Have you I guess, can I ask a bit of what has made you sort of pursue an SMSF fund?","start":85.24,"end":91.58,"sentiment":"neutral","sentiment_score":-0.03596899472177029},{"text":"Okay.","start":103.735,"end":104.235,"sentiment":"neutral","sentiment_score":-0.001977231353521347},{"text":"Are you already under contract for a property under the SMSF fund?","start":105.735,"end":111.85,"sentiment":"neutral","sentiment_score":-0.009800726858278116},{"text":"Okay.","start":119.19,"end":119.67,"sentiment":"neutral","sentiment_score":-0.005923599936068058}],"sentiment":"neutral","sentiment_score":-0.025047448516956398,"num_words":35,"start":84.44,"end":119.67},{"sentences":[{"text":"Are you buying like, you bought residential property?","start":119.67,"end":122.345,"sentiment":"neutral","sentiment_score":-0.02027314738370478},{"text":"Or okay.","start":122.345,"end":125.005005,"sentiment":"neutral","sentiment_score":-0.011922277393750846},{"text":"And, like, your broker's confident that you're gonna be able to get all the applications and everything finalized before the time cutoff?","start":125.305,"end":132.365,"sentiment":"positive","sentiment_score":0.4158403595740145},{"text":"Okay.","start":138.84,"end":139.34,"sentiment":"neutral","sentiment_score":0.13302649557590485},{"text":"Alright.","start":139.48,"end":139.98,"sentiment":"neutral","sentiment_score":0.14955559372901917}],"sentiment":"neutral","sentiment_score":0.27191294900223834,"num_words":34,"start":119.67,"end":139.98},{"sentences":[{"text":"And have like, I guess, when did you sort of make the decision to to transition that way?","start":140.28,"end":148.005,"sentiment":"neutral","sentiment_score":0.11059186524815029},{"text":"Okay.","start":154.645,"end":155.125,"sentiment":"neutral","sentiment_score":0.2658115029335022},{"text":"So it it's it's been a quick turnaround for you.","start":155.125,"end":157.625,"sentiment":"positive","sentiment_score":0.3674683809280396},{"text":"Yeah.","start":159.365,"end":159.865,"sentiment":"neutral","sentiment_score":0.16275887191295624},{"text":"Okay.","start":160.725,"end":161.225,"sentiment":"neutral","sentiment_score":0.16782334446907043}],"sentiment":"neutral","sentiment_score":0.20199132590524613,"num_words":31,"start":140.28,"end":161.225},{"sentences":[{"text":"With I guess with your NEOS policy, you do like, your NEOS policy could be transferred to your SMSF fund, then paid by your SMSF fund.","start":161.87,"end":172.19,"sentiment":"neutral","sentiment_score":0.11653642728924751},{"text":"It doesn't have to be, I guess, canceled.","start":172.19,"end":174.495,"sentiment":"neutral","sentiment_score":0.058700488647446036},{"text":"I guess yeah.","start":177.67499,"end":180.075,"sentiment":"neutral","sentiment_score":0.02890266167620818},{"text":"Yeah.","start":180.075,"end":180.315,"sentiment":"neutral","sentiment_score":0.10879626125097276},{"text":"It definitely it can it can be transferred to be owned by your SMSF, or I guess we could we could look into rewriting the policy.","start":180.315,"end":189.0,"sentiment":"neutral","sentiment_score":0.04935519458152927}],"sentiment":"neutral","sentiment_score":0.07778578631405253,"num_words":64,"start":161.87,"end":189.0},{"sentences":[{"text":"You know, obviously, have a look at have a look at where the policy sits to see whether there's anything on market and rewrite the policy to be paid for by your your SMSF fund and and kinda go from there.","start":189.3,"end":202.155,"sentiment":"neutral","sentiment_score":0.007245161343456768},{"text":"I mean, the the choice is obviously yours.","start":202.215,"end":204.695,"sentiment":"neutral","sentiment_score":-0.004872472491115332},{"text":"If you do choose to cancel the policy, you just have to understand that you won't have those benefits anymore.","start":204.695,"end":210.535,"sentiment":"neutral","sentiment_score":-0.08859380483627319},{"text":"So if anything happened to you that, you know, you you're not insured personally?","start":210.535,"end":215.66,"sentiment":"neutral","sentiment_score":-0.07383209839463234},{"text":"You mean, you don't you don't have to get insurance?","start":227.40501,"end":230.625,"sentiment":"neutral","sentiment_score":0.028650542814284564}],"sentiment":"neutral","sentiment_score":-0.024311271085534044,"num_words":93,"start":189.3,"end":230.625},{"sentences":[{"text":"You don't yeah.","start":231.645,"end":235.10501,"sentiment":"neutral","sentiment_score":0.03733642647663752},{"text":"Okay.","start":235.16501,"end":235.485,"sentiment":"neutral","sentiment_score":0.08712134510278702},{"text":"Good.","start":235.485,"end":235.80501,"sentiment":"neutral","sentiment_score":0.2171277552843094},{"text":"No.","start":235.80501,"end":235.88501,"sentiment":"neutral","sentiment_score":-0.08274427056312561},{"text":"No.","start":235.88501,"end":236.125,"sentiment":"neutral","sentiment_score":-0.10558438301086426}],"sentiment":"neutral","sentiment_score":0.032561389463288445,"num_words":7,"start":231.645,"end":236.125},{"sentences":[{"text":"Cool.","start":236.125,"end":236.625,"sentiment":"neutral","sentiment_score":0.0023499242961406708},{"text":"Amazing.","start":238.125,"end":238.625,"sentiment":"neutral","sentiment_score":0.17493323981761932},{"text":"And I so your Neos policy is obviously it it's in place right now.","start":238.68501,"end":245.34,"sentiment":"neutral","sentiment_score":0.12320029575909887},{"text":"Currently, the policy currently, policy covers you for, like, life and total pump disability insurance.","start":245.79999,"end":254.28,"sentiment":"neutral","sentiment_score":0.10059415573875109},{"text":"So it's it's sort of 1.4 of life and 1.4 of of total pamper disability.","start":254.28,"end":260.105,"sentiment":"neutral","sentiment_score":0.17074935336907704}],"sentiment":"neutral","sentiment_score":0.1298313030730123,"num_words":46,"start":236.125,"end":260.105},{"sentences":[{"text":"We we could transfer that to be paid by the SMSF fund.","start":262.725,"end":266.105,"sentiment":"neutral","sentiment_score":0.13925463644166788},{"text":"Obviously, like, as you're aware, the premiums are are, like, have have just been paid for the year.","start":266.405,"end":274.98,"sentiment":"neutral","sentiment_score":-0.10352175740990788},{"text":"If canceled within thirty days of the renewal notice, generally, you get all of the funds back.","start":275.6,"end":281.3,"sentiment":"neutral","sentiment_score":-0.14061607727233102},{"text":"If you wanna look at transferring it over to your SMSF fund, ultimately, you have, you know, twelve months to do so.","start":282.995,"end":289.815,"sentiment":"neutral","sentiment_score":0.0186883421106772},{"text":"I can see that your SMSF fund probably doesn't have any money in it at the moment, unless nothing that's come from Netwealth because all of your money is currently still in Netwealth.","start":290.115,"end":299.48,"sentiment":"negative","sentiment_score":-0.3381970299012733}],"sentiment":"neutral","sentiment_score":-0.13070752715701053,"num_words":102,"start":262.725,"end":299.48},{"sentences":[{"text":"Hi.","start":308.74002,"end":309.24002,"sentiment":"neutral","sentiment_score":-0.0014389902353286743},{"text":"Generally speaking, SMSF fund will have to request the rollover directly from the self managed super fund.","start":309.30002,"end":315.83502,"sentiment":"neutral","sentiment_score":-0.05097343772649765},{"text":"It can't be pushed from Netwealth to the SMSF.","start":315.83502,"end":318.815,"sentiment":"neutral","sentiment_score":-0.16967244942982992},{"text":"It has to the request has to come.","start":318.875,"end":320.73502,"sentiment":"neutral","sentiment_score":-0.03872975311242044},{"text":"Okay.","start":320.95502,"end":321.45502,"sentiment":"neutral","sentiment_score":0.02278853952884674}],"sentiment":"neutral","sentiment_score":-0.0745024711617993,"num_words":36,"start":308.74002,"end":321.45502},{"sentences":[{"text":"Yeah.","start":338.24,"end":338.74,"sentiment":"neutral","sentiment_score":0.11133953928947447},{"text":"Yeah.","start":338.88,"end":339.28,"sentiment":"neutral","sentiment_score":0.1441730558872223},{"text":"I can I can see majority of it sitting in cash already ready to go?","start":339.28,"end":342.765,"sentiment":"neutral","sentiment_score":0.20050364459554354},{"text":"There's just a few assets still still pending sale.","start":343.08502,"end":345.98502,"sentiment":"neutral","sentiment_score":-0.08864136702484554},{"text":"It it just looks like it's sort of like the back end settlement.","start":367.69498,"end":370.675,"sentiment":"neutral","sentiment_score":-0.05519708704489928}],"sentiment":"neutral","sentiment_score":0.04481366228980896,"num_words":39,"start":338.24,"end":370.675},{"sentences":[{"text":"So while everything might be like, might represent as sold, it just looks like there's there's sort of just the the final settlement of trades still going through.","start":371.055,"end":379.63498,"sentiment":"neutral","sentiment_score":-0.05897737068257162},{"text":"Yeah.","start":381.00998,"end":381.41,"sentiment":"neutral","sentiment_score":0.0014338940382003784},{"text":"So it's just until that happens that it just it sort of won't transition out.","start":381.41,"end":385.75,"sentiment":"neutral","sentiment_score":-0.1890723889072736},{"text":"Yeah.","start":390.77,"end":391.27,"sentiment":"neutral","sentiment_score":0.007129088044166565},{"text":"So there's I guess there's a couple of options moving forward because, like, we're the adviser that set up the Neos policy.","start":418.995,"end":425.155,"sentiment":"neutral","sentiment_score":0.042427063834938133}],"sentiment":"neutral","sentiment_score":-0.05291781830253886,"num_words":67,"start":371.055,"end":425.155},{"sentences":[{"text":"We can continue to advise you on just the Neos policy.","start":425.155,"end":428.775,"sentiment":"neutral","sentiment_score":0.1826739785346118},{"text":"So where we can sort of reach out to you once a year, just touch base, you know, make sure that the cover is still appropriate and go from there.","start":428.915,"end":437.27,"sentiment":"neutral","sentiment_score":0.11629146747291089},{"text":"We can you know, in in that instance, if you want us to keep, like, being the servicing adviser for that Neos policy, we can help you with transferring the policy over to your SMSF fund because it's a it's a transfer of memorandum.","start":438.77,"end":452.715,"sentiment":"neutral","sentiment_score":0.10748649159954353},{"text":"So it's it's a complete ownership transfer across.","start":453.01498,"end":456.055,"sentiment":"neutral","sentiment_score":0.020101651549339294},{"text":"So there's a little bit of paperwork involved.","start":456.055,"end":457.915,"sentiment":"neutral","sentiment_score":-0.07965254550799727}],"sentiment":"neutral","sentiment_score":0.09654610165127434,"num_words":101,"start":425.155,"end":457.915},{"sentences":[{"text":"Alternatively, if you want us to cease being your advisers completely and not have any engagement or contact moving forward, then what we can do is we can just leave it in your hands to contact Neos.","start":459.655,"end":473.24,"sentiment":"neutral","sentiment_score":-0.06393114859993393},{"text":"Ultimately speaking, Neos, at the moment, their process is if they don't hear from either us or you by the August 10, they will cease the policy, and it will completely close, and they'll refund anything outstanding.","start":473.62,"end":488.445,"sentiment":"neutral","sentiment_score":-0.060362654159197934},{"text":"Generally, that refund will go back to the account that paid for it to begin with.","start":489.065,"end":493.65,"sentiment":"neutral","sentiment_score":0.1304003078257665},{"text":"Yeah.","start":513.805,"end":514.125,"sentiment":"neutral","sentiment_score":0.10159126669168472},{"text":"So, like I said, if you want us to continue advising on the policy, I'm more than happy to assist with that side.","start":514.125,"end":520.1,"sentiment":"neutral","sentiment_score":0.30486985911493714}],"sentiment":"neutral","sentiment_score":0.04036080920578618,"num_words":114,"start":459.655,"end":520.1},{"sentences":[{"text":"No.","start":526.48,"end":526.98,"sentiment":"neutral","sentiment_score":-0.21052229404449463},{"text":"It's it's part of everything.","start":529.04,"end":530.39996,"sentiment":"neutral","sentiment_score":0.003912393376231194},{"text":"Like, we get insurance commissions on the insurance policy so we can continue servicing servicing this the insurance policy for you and with you.","start":530.39996,"end":538.945,"sentiment":"neutral","sentiment_score":0.11764503875747323},{"text":"Yes.","start":548.08,"end":548.58,"sentiment":"neutral","sentiment_score":-0.04160303622484207},{"text":"No.","start":552.08,"end":552.32,"sentiment":"neutral","sentiment_score":-0.0771200880408287}],"sentiment":"neutral","sentiment_score":0.07855617121094838,"num_words":32,"start":526.48,"end":552.32},{"sentences":[{"text":"That's that's understood, I guess, implied.","start":552.32,"end":554.66,"sentiment":"neutral","sentiment_score":-0.04883477029701074},{"text":"No.","start":555.2,"end":555.44,"sentiment":"neutral","sentiment_score":-0.18659499287605288},{"text":"Yeah.","start":555.44,"end":555.6,"sentiment":"neutral","sentiment_score":-0.07743064314126968},{"text":"You would you would basically become an insurance only client.","start":555.6,"end":558.015,"sentiment":"neutral","sentiment_score":-0.07241300903260708},{"text":"So we would just advise you on insurance only.","start":558.09503,"end":560.91504,"sentiment":"neutral","sentiment_score":0.0023931853680147063}],"sentiment":"neutral","sentiment_score":-0.04665280295604909,"num_words":27,"start":552.32,"end":560.91504},{"sentences":[{"text":"Yeah.","start":561.135,"end":561.635,"sentiment":"neutral","sentiment_score":0.07570827007293701},{"text":"Mhmm.","start":574.06,"end":574.56,"sentiment":"neutral","sentiment_score":0.2441912591457367},{"text":"Okay.","start":576.78,"end":577.28,"sentiment":"positive","sentiment_score":0.4021734297275543},{"text":"Perfect.","start":577.34,"end":577.82,"sentiment":"positive","sentiment_score":0.6834505200386047},{"text":"I'll well, I can kick start that side of things, get the paperwork.","start":577.82,"end":581.58,"sentiment":"positive","sentiment_score":0.39849114647278416}],"sentiment":"positive","sentiment_score":0.3874063754782957,"num_words":17,"start":561.135,"end":581.58},{"sentences":[{"text":"It takes a couple of days to come through from Neos.","start":581.58,"end":584.16003,"sentiment":"neutral","sentiment_score":0.19685973565686832},{"text":"We obviously have time.","start":584.94,"end":585.82,"sentiment":"neutral","sentiment_score":0.0875938069075346},{"text":"If you're wanting to definitely keep the policy, we can we can get that transferred.","start":585.82,"end":586.8689,"sentiment":"neutral","sentiment_score":0.2614645113547643},{"text":"What I can do is I will send you an What I can do is I will send you an email just requesting some of the SMSF details so that way I can prefill the form for you as much as possible before I send it through.","start":586.8689,"end":614.29,"sentiment":"neutral","sentiment_score":0.08493029076526774},{"text":"It it can change a little bit, but I never see it drastically change.","start":614.29,"end":618.105,"sentiment":"neutral","sentiment_score":-0.08748151415160724}],"sentiment":"neutral","sentiment_score":0.10115145558266195,"num_words":91,"start":581.58,"end":618.105},{"sentences":[{"text":"When I request the transfer, I I get it I'll get a quote at the same time, and I'll email that through to you so you have it all so you can make an informed decision.","start":618.325,"end":626.825,"sentiment":"neutral","sentiment_score":0.16402737496213782},{"text":"And I guess I wouldn't be doing my due diligence if I didn't at least ask.","start":627.70996,"end":631.32996,"sentiment":"neutral","sentiment_score":-0.16245916299521923},{"text":"I guess, do you want me to have a look at possibly rewriting the policy to a brand new provider, see if there's anyone else on the market that may offer, like, a comparable pricing?","start":631.55,"end":641.08997,"sentiment":"neutral","sentiment_score":-0.03383854137999671},{"text":"Yeah.","start":649.185,"end":649.685,"sentiment":"neutral","sentiment_score":0.05578457564115524},{"text":"Yeah.","start":649.985,"end":650.145,"sentiment":"neutral","sentiment_score":0.053592488169670105}],"sentiment":"neutral","sentiment_score":0.02506367422724038,"num_words":89,"start":618.325,"end":650.145},{"sentences":[{"text":"So you wanna keep it because it's currently 1,000,006 hun sorry.","start":650.145,"end":653.265,"sentiment":"neutral","sentiment_score":0.046286631036888466},{"text":"$1,465,065.","start":653.265,"end":656.34,"sentiment":"neutral","sentiment_score":0.022968200966715813},{"text":"So $1.04 $6.05 $0.06 5.","start":656.66003,"end":659.08,"sentiment":"neutral","sentiment_score":0.012176624312996865},{"text":"That's for both.","start":664.34,"end":665.56,"sentiment":"neutral","sentiment_score":-0.0026459706326325736},{"text":"That's that's the amount for both of them.","start":665.62006,"end":667.62006,"sentiment":"neutral","sentiment_score":0.020702822948805988}],"sentiment":"neutral","sentiment_score":0.026810319129643694,"num_words":28,"start":650.145,"end":667.62006},{"sentences":[{"text":"So life insurance is that much and total family disability is also the same amount.","start":667.62006,"end":672.755,"sentiment":"neutral","sentiment_score":0.046351247529188795},{"text":"Yep.","start":685.375,"end":685.68,"sentiment":"neutral","sentiment_score":0.1202416941523552},{"text":"Yeah.","start":694.56,"end":694.88,"sentiment":"neutral","sentiment_score":0.15756011009216309},{"text":"Absolutely.","start":694.88,"end":695.38,"sentiment":"neutral","sentiment_score":0.1883586049079895},{"text":"I'll yeah.","start":695.52,"end":696.58,"sentiment":"neutral","sentiment_score":0.06427275389432907}],"sentiment":"neutral","sentiment_score":0.06449873149394988,"num_words":20,"start":667.62006,"end":696.58},{"sentences":[{"text":"Yeah.","start":702.355,"end":702.855,"sentiment":"neutral","sentiment_score":0.01735788583755493},{"text":"No.","start":703.395,"end":703.635,"sentiment":"neutral","sentiment_score":-0.06830805540084839},{"text":"I can do that.","start":703.635,"end":704.455,"sentiment":"neutral","sentiment_score":-0.05641680955886841},{"text":"Just double checking, like, nothing about your occupation's changed.","start":704.675,"end":708.135,"sentiment":"neutral","sentiment_score":-0.039998609779609576},{"text":"Health is still still good.","start":708.195,"end":710.515,"sentiment":"neutral","sentiment_score":0.05057427063584328}],"sentiment":"neutral","sentiment_score":-0.019186677131801843,"num_words":20,"start":702.355,"end":710.515},{"sentences":[{"text":"No issues on those fronts?","start":710.515,"end":712.2,"sentiment":"neutral","sentiment_score":0.015550878643989564},{"text":"Good.","start":714.12,"end":714.52,"sentiment":"neutral","sentiment_score":0.12905210256576538},{"text":"Cool.","start":714.52,"end":714.76,"sentiment":"neutral","sentiment_score":0.2702658772468567},{"text":"Cool.","start":714.76,"end":714.92,"sentiment":"neutral","sentiment_score":0.3252965807914734},{"text":"Cool.","start":714.92,"end":715.24,"sentiment":"neutral","sentiment_score":0.29989171028137207}],"sentiment":"neutral","sentiment_score":0.12247340712282392,"num_words":9,"start":710.515,"end":715.24},{"sentences":[{"text":"Alright.","start":715.24,"end":715.48004,"sentiment":"neutral","sentiment_score":0.20696184039115903},{"text":"Well, I'll I'll get cracking and start reaching out, contacting Neos and and grabbing a few figures and go from there.","start":715.48004,"end":723.02,"sentiment":"neutral","sentiment_score":0.140613426055227},{"text":"Yeah.","start":726.44,"end":726.885,"sentiment":"neutral","sentiment_score":0.08190663158893585},{"text":"Yep.","start":735.445,"end":735.945,"sentiment":"neutral","sentiment_score":0.12630562484264374},{"text":"Yep.","start":742.9,"end":743.4,"sentiment":"neutral","sentiment_score":0.03426138684153557}],"sentiment":"neutral","sentiment_score":0.13609269723296166,"num_words":25,"start":715.24,"end":743.4},{"sentences":[{"text":"No.","start":754.125,"end":754.365,"sentiment":"neutral","sentiment_score":-0.1821242868900299},{"text":"That's okay.","start":754.365,"end":754.925,"sentiment":"neutral","sentiment_score":-0.019788304343819618},{"text":"So it's so, basically, there's two components to it.","start":754.925,"end":757.645,"sentiment":"neutral","sentiment_score":0.1214204728603363},{"text":"There's the life insured and there's the owner.","start":757.645,"end":759.90497,"sentiment":"neutral","sentiment_score":0.08489624643698335},{"text":"So the SMSF fund becomes the owner, which means upon a claimable event happening to the self so to the life insured.","start":759.965,"end":767.63,"sentiment":"neutral","sentiment_score":0.1008882751180367}],"sentiment":"neutral","sentiment_score":0.08975703295852457,"num_words":42,"start":754.125,"end":767.63},{"sentences":[{"text":"So if anything happened to you as the insured person, the money gets paid to the SMSF fund.","start":767.63,"end":773.41003,"sentiment":"neutral","sentiment_score":0.09265240074859725},{"text":"And what that what happens from there is the SMSF fund can then distribute that that that money depending on what needs to happen.","start":773.87,"end":781.365,"sentiment":"neutral","sentiment_score":0.16582631195584932},{"text":"So if it's a life insurance benefit, the money gets paid through to the SMSF fund, and then as your as your your partner, your wife would be able to distribute that money to herself in accordance with the beneficiary details on the fund.","start":781.365,"end":798.23004,"sentiment":"neutral","sentiment_score":0.11078524631871418},{"text":"This so this policy covers you and you only.","start":813.34503,"end":816.065,"sentiment":"neutral","sentiment_score":0.01919093935026063},{"text":"I can look at a policy for your partner that could be covered by the like like, where the SMSF fund pays for it, but I would need a few details to be able to try and write 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I'll see if this person is available. Thanks. Please stay on the line. Hello? Good. Thanks, Liza. How are you? That's good. Yeah. Yeah. Yeah. Yeah. Yeah. Sure. Mhmm. Yeah. It is full name is Sujopanail. Date of birth is 07/20/1985. And email ID, you said? Yeah. Email is Sujo.Panayil@Yahoo.co.in. That is right. Yes. Yeah. So I am going to get some property on through that. So just buying some real estate through the SMS accounts and managing myself. Yes. Yes. Well, yeah, I will see the process. So I've got the contact through, and we're getting it all sorted. Yes. Property. Yes. Yes. So the contact is already in, so it it will be done before that. I think early I think mid last month, mid July. Yeah. Yeah. Mhmm. Mhmm. Oh, can that happen? Okay. Mhmm. Mhmm. Mhmm. K. Anyways, I will have to get an insurance for the SMSF account as well. So anyway, I'm gonna get an insurance for that. So I don't of course, yeah, I don't have to, but, yeah, I will I will I will be doing that. Yeah. Just to protect her. Yeah. Yep. Yep. That is right. Yes. So the the rollover hasn't happened yet. So I'm even waiting for that as well from NetWell. Yeah. It was already requested. So the process is already through. It was already requested, and it is in process. I spoke to somebody from just yesterday, and they said they've got my assets being sold. And then they put it all in cash, and they're just waiting for the final confirmation to get that through now. Yeah. Yeah. Yeah. Yeah. That is right. I think that's what this well, they didn't they didn't mention to them about any pending sales, but they did mention about the that that all of them have been completed, but I because I checked the allocations, I didn't see anything else other than cash. So even I'm not sure, but are you saying that there is something still pending for sales? Right. Right. Right. Right. Right. So okay. Yeah. That should be okay. I think that should be fine. So that will take another couple of days, I believe. And then yeah. So that I think that was the the real process where the rollover was initiated by my accountant. So that was done. And just waiting for that rollover to happen and then get that money in the account. But was it related to the payment of because the payment for this insurance has already been done. And if I move it over, do I have to speak to somebody from Nuance again to get it moved over to the SMSF account if I need to continue the same insurance? Mhmm. Mhmm. Yep. Yep. Mhmm. Correct. Yes. Yes. Yes. Yeah. Yeah. Which is back to Netwealth. I think they did mention this to me as well yesterday that and I got an email also about it, that they'll just wait until the August 10 if they don't get back, I think, and they'll close it. But since you gave me an idea of transferring it over to an SMSF, would you be assisting me to do that if I need to? Mhmm. Right. And what about any charges of fees? Is this a separate, like, a service for that, or is this part of the whole deal? Okay. Alright. And without me continuing my relationship with Netwealth, because shortly after the rollover, I would plan to stop or seize the Netwealth account as well. Oh, okay. Yeah. So that also happens right away. Yeah. Right. Right. Okay. Because I think, yeah, Neos did not advise me about this thing, but then if they are happy to move this all to the SMS SMS SMS fund count, then I'm okay to do that as well. I'm happy to do that as well. Mhmm. Yep. Yeah. That'll be great. And just one more thing. So will the premium change over being from an individual to an SMS of a fund managed pre insurance? Will it change? Okay. Okay. Yeah. Yeah. Yeah. Yeah. That'll be best. Of course. Why not? I mean, if if I find a cheaper place, then why not? But then, yeah, with the obviously, same level of covers, though, for sure. Yeah. That is the permanent disability or the insurance? That's a board. Okay. Okay. I think that is reasonable. So let's continue with that. Meanwhile, I'll let you do the paperwork rather okay. Let's do this. Before we do the paperwork, let's get a quote for it. And meanwhile, I'll talk to my accountant who's also wanting to help you with that. So let me get a quote from him as well and then try to see what suits best. Yeah. Before you before you proceed with the paperwork, I think that will be reasonable to just get quotes and find out rather than proceeding and then realize we don't want to. So yeah. Yeah. Yeah. No. Not at all. Yeah. That'll be great. And just one more thing, Clarissa. So the the SMSF fund itself. So I am basically gonna be the trustee on that on that fund. So how does this insurance policy work? So because it's not just me. Even my partner would be a part of that same fund. So how does the policy work then? I mean, does it work individually for both of us, or does it work combined together for both of us, or does it work only in terms of the SMSF? I don't know. I'm just trying to understand. Mhmm. Okay. Okay. Yeah. That makes sense. So so and in that case, would both the beneficiaries have equal sort of cover with their insurance? Mhmm. Mhmm. Oh, okay. Okay. So let's do this. Let's let's go for me for now. Meanwhile, I will have a chat about with my accountant as well who's also get probably in the line of getting an insurance for me for this SMS account. So let's do both, and then I'll I'll I will try to compare and see if I need to add or anything. Yeah. Yeah. Alright. Cool. Thank you. Thank you so much. Yeah. No worries. And just send me an email whatever details you would need, and then I can share that with Malan as well. Yeah. Yeah. Cool. Thank you. Thank you so much, Lutsel. Yeah. You too. Thank you. 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I'll see if this person is available. Thanks. Please stay on the line. Hello?\n\nGood. Thanks, Liza. How are you? That's good. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Sure.\n\nMhmm. Yeah. It is full name is Sujopanail. Date of birth is 07/20/1985. And email ID, you said?\n\nYeah. Email is Sujo.Panayil@Yahoo.co.in. That is right. Yes. Yeah.\n\nSo I am going to get some property on through that. So just buying some real estate through the SMS accounts and managing myself. Yes. Yes. Well, yeah, I will see the process.\n\nSo I've got the contact through, and we're getting it all sorted. Yes. Property. Yes. Yes.\n\nSo the contact is already in, so it it will be done before that. I think early I think mid last month, mid July. Yeah. Yeah. Mhmm.\n\nMhmm. Oh, can that happen? Okay. Mhmm. Mhmm.\n\nMhmm. K. Anyways, I will have to get an insurance for the SMSF account as well. So anyway, I'm gonna get an insurance for that. So I don't of course, yeah, I don't have to, but, yeah, I will I will I will be doing that.\n\nYeah. Just to protect her. Yeah. Yep. Yep.\n\nThat is right. Yes. So the the rollover hasn't happened yet. So I'm even waiting for that as well from NetWell. Yeah.\n\nIt was already requested. So the process is already through. It was already requested, and it is in process. I spoke to somebody from just yesterday, and they said they've got my assets being sold. And then they put it all in cash, and they're just waiting for the final confirmation to get that through now.\n\nYeah. Yeah. Yeah. Yeah. That is right.\n\nI think that's what this well, they didn't they didn't mention to them about any pending sales, but they did mention about the that that all of them have been completed, but I because I checked the allocations, I didn't see anything else other than cash. So even I'm not sure, but are you saying that there is something still pending for sales? Right. Right. Right.\n\nRight. Right. So okay. Yeah. That should be okay.\n\nI think that should be fine. So that will take another couple of days, I believe. And then yeah. So that I think that was the the real process where the rollover was initiated by my accountant. So that was done.\n\nAnd just waiting for that rollover to happen and then get that money in the account. But was it related to the payment of because the payment for this insurance has already been done. And if I move it over, do I have to speak to somebody from Nuance again to get it moved over to the SMSF account if I need to continue the same insurance? Mhmm. Mhmm.\n\nYep. Yep. Mhmm. Correct. Yes.\n\nYes. Yes. Yeah. Yeah. Which is back to Netwealth.\n\nI think they did mention this to me as well yesterday that and I got an email also about it, that they'll just wait until the August 10 if they don't get back, I think, and they'll close it. But since you gave me an idea of transferring it over to an SMSF, would you be assisting me to do that if I need to? Mhmm. Right. And what about any charges of fees?\n\nIs this a separate, like, a service for that, or is this part of the whole deal? Okay. Alright. And without me continuing my relationship with Netwealth, because shortly after the rollover, I would plan to stop or seize the Netwealth account as well. Oh, okay.\n\nYeah. So that also happens right away. Yeah. Right. Right.\n\nOkay. Because I think, yeah, Neos did not advise me about this thing, but then if they are happy to move this all to the SMS SMS SMS fund count, then I'm okay to do that as well. I'm happy to do that as well. Mhmm. Yep.\n\nYeah. That'll be great. And just one more thing. So will the premium change over being from an individual to an SMS of a fund managed pre insurance? Will it change?\n\nOkay. Okay. Yeah. Yeah. Yeah.\n\nYeah. That'll be best. Of course. Why not? I mean, if if I find a cheaper place, then why not?\n\nBut then, yeah, with the obviously, same level of covers, though, for sure. Yeah. That is the permanent disability or the insurance? That's a board. Okay.\n\nOkay. I think that is reasonable. So let's continue with that. Meanwhile, I'll let you do the paperwork rather okay. Let's do this.\n\nBefore we do the paperwork, let's get a quote for it. And meanwhile, I'll talk to my accountant who's also wanting to help you with that. So let me get a quote from him as well and then try to see what suits best. Yeah. Before you before you proceed with the paperwork, I think that will be reasonable to just get quotes and find out rather than proceeding and then realize we don't want to.\n\nSo yeah. Yeah. Yeah. No. Not at all.\n\nYeah. That'll be great. And just one more thing, Clarissa. So the the SMSF fund itself. So I am basically gonna be the trustee on that on that fund.\n\nSo how does this insurance policy work? So because it's not just me. Even my partner would be a part of that same fund. So how does the policy work then? I mean, does it work individually for both of us, or does it work combined together for both of us, or does it work only in terms of the SMSF?\n\nI don't know. I'm just trying to understand. Mhmm. Okay. Okay.\n\nYeah. That makes sense. So so and in that case, would both the beneficiaries have equal sort of cover with their insurance? Mhmm. Mhmm.\n\nOh, okay. Okay. So let's do this. Let's let's go for me for now. Meanwhile, I will have a chat about with my accountant as well who's also get probably in the line of getting an insurance for me for this SMS account.\n\nSo let's do both, and then I'll I'll I will try to compare and see if I need to add or anything. Yeah. Yeah. Alright. Cool.\n\nThank you. Thank you so much. Yeah. No worries. And just send me an email whatever details you would need, and then I can share that with Malan as well.\n\nYeah. Yeah. Cool. Thank you. Thank you so much, Lutsel.\n\nYeah. You too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Record your name and reason for calling.","start":0.24,"end":2.26,"sentiment":"neutral","sentiment_score":-0.0075963144190609455},{"text":"I'll see if this person is available.","start":2.32,"end":4.02,"sentiment":"neutral","sentiment_score":0.004522278971437897},{"text":"Thanks.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.3019351661205292},{"text":"Please stay on the line.","start":13.36,"end":14.74,"sentiment":"neutral","sentiment_score":0.12990915179252624},{"text":"Hello?","start":20.215,"end":20.715,"sentiment":"neutral","sentiment_score":0.0551227331161499}],"sentiment":"neutral","sentiment_score":0.04690882905075947,"num_words":21,"start":0.24,"end":20.715},{"sentences":[{"text":"Good.","start":24.775002,"end":25.015,"sentiment":"positive","sentiment_score":0.3989748954772949},{"text":"Thanks, Liza.","start":25.015,"end":25.654999,"sentiment":"positive","sentiment_score":0.4541047513484955},{"text":"How 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is full name is Sujopanail.","start":51.305,"end":52.925,"sentiment":"neutral","sentiment_score":0.0034784309876461825},{"text":"Date of birth is 07/20/1985.","start":53.305,"end":55.65,"sentiment":"neutral","sentiment_score":0.002221847791224718},{"text":"And email ID, you said?","start":56.050003,"end":58.15,"sentiment":"neutral","sentiment_score":-0.006163261923938989}],"sentiment":"neutral","sentiment_score":-0.00039370753802359104,"num_words":18,"start":50.585,"end":58.15},{"sentences":[{"text":"Yeah.","start":61.010002,"end":61.49,"sentiment":"neutral","sentiment_score":0.006170253269374371},{"text":"Email is Sujo.Panayil@Yahoo.co.in.","start":61.49,"end":64.79,"sentiment":"neutral","sentiment_score":0.010776789238055548},{"text":"That is right.","start":82.885,"end":83.604996,"sentiment":"neutral","sentiment_score":-0.05439433082938194},{"text":"Yes.","start":83.604996,"end":84.09,"sentiment":"neutral","sentiment_score":-0.023447245359420776},{"text":"Yeah.","start":93.369995,"end":93.869995,"sentiment":"neutral","sentiment_score":-0.02377801202237606}],"sentiment":"neutral","sentiment_score":-0.019100847654044628,"num_words":9,"start":61.010002,"end":93.869995},{"sentences":[{"text":"So I am going to get some property on through that.","start":94.09,"end":97.215,"sentiment":"neutral","sentiment_score":-0.024108660153367302},{"text":"So just buying some real estate through the SMS accounts and managing myself.","start":97.534996,"end":102.195,"sentiment":"neutral","sentiment_score":-0.010549837866654763},{"text":"Yes.","start":110.91,"end":110.990005,"sentiment":"neutral","sentiment_score":0.0005691098049283028},{"text":"Yes.","start":110.990005,"end":111.490005,"sentiment":"neutral","sentiment_score":0.00029125623404979706},{"text":"Well, yeah, I will see the process.","start":111.87,"end":113.57,"sentiment":"neutral","sentiment_score":0.02713694583092417}],"sentiment":"neutral","sentiment_score":-0.0064098232453971195,"num_words":33,"start":94.09,"end":113.57},{"sentences":[{"text":"So I've got the contact through, and we're getting it all 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happen?","start":177.46,"end":178.84,"sentiment":"neutral","sentiment_score":0.018209212459623814},{"text":"Okay.","start":183.295,"end":183.795,"sentiment":"neutral","sentiment_score":0.0436394177377224},{"text":"Mhmm.","start":185.455,"end":185.955,"sentiment":"neutral","sentiment_score":0.013401947915554048},{"text":"Mhmm.","start":193.13501,"end":193.53,"sentiment":"neutral","sentiment_score":0.00008384417742490768}],"sentiment":"neutral","sentiment_score":0.019204734242521226,"num_words":8,"start":177.14,"end":193.53},{"sentences":[{"text":"Mhmm.","start":206.49,"end":206.835,"sentiment":"neutral","sentiment_score":-0.09471450746059418},{"text":"K.","start":216.515,"end":216.835,"sentiment":"neutral","sentiment_score":-0.0335356630384922},{"text":"Anyways, I will have to get an insurance for the SMSF account as well.","start":216.835,"end":223.82,"sentiment":"neutral","sentiment_score":0.008820566747869765},{"text":"So anyway, I'm gonna get an insurance for 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is back to Netwealth.","start":493.39,"end":494.43002,"sentiment":"neutral","sentiment_score":0.02807849142700434}],"sentiment":"neutral","sentiment_score":0.06133251854528984,"num_words":9,"start":485.585,"end":494.43002},{"sentences":[{"text":"I think they did mention this to me as well yesterday that and I got an email also about it, that they'll just wait until the August 10 if they don't get back, I think, and they'll close it.","start":494.43002,"end":504.935,"sentiment":"neutral","sentiment_score":0.024247518042102456},{"text":"But since you gave me an idea of transferring it over to an SMSF, would you be assisting me to do that if I need to?","start":505.155,"end":512.21497,"sentiment":"neutral","sentiment_score":0.059354688614033736},{"text":"Mhmm.","start":517.875,"end":518.375,"sentiment":"neutral","sentiment_score":0.30694887042045593},{"text":"Right.","start":520.63,"end":520.95,"sentiment":"neutral","sentiment_score":0.0439981073141098},{"text":"And what about any charges of fees?","start":520.95,"end":523.11005,"sentiment":"neutral","sentiment_score":-0.029354553137506758}],"sentiment":"neutral","sentiment_score":0.03559919207268772,"num_words":74,"start":494.43002,"end":523.11005},{"sentences":[{"text":"Is this a separate, like, a service for that, or is this part of the whole deal?","start":523.11005,"end":528.41003,"sentiment":"neutral","sentiment_score":-0.0925094962996595},{"text":"Okay.","start":533.43005,"end":533.93005,"sentiment":"neutral","sentiment_score":0.11463940143585204},{"text":"Alright.","start":538.195,"end":538.695,"sentiment":"neutral","sentiment_score":0.1190682053565979},{"text":"And without me continuing my relationship with Netwealth, because shortly after the rollover, I would plan to stop or seize the Netwealth account as well.","start":539.155,"end":551.13,"sentiment":"neutral","sentiment_score":-0.07199371919035912},{"text":"Oh, okay.","start":558.39,"end":558.87,"sentiment":"neutral","sentiment_score":0.01607375778257847}],"sentiment":"neutral","sentiment_score":-0.06753585422816484,"num_words":46,"start":523.11005,"end":558.87},{"sentences":[{"text":"Yeah.","start":558.87,"end":559.11,"sentiment":"neutral","sentiment_score":0.019616860896348953},{"text":"So that also happens right away.","start":559.11,"end":560.63,"sentiment":"neutral","sentiment_score":0.016371722022692364},{"text":"Yeah.","start":560.63,"end":560.87,"sentiment":"neutral","sentiment_score":0.04026712849736214},{"text":"Right.","start":560.87,"end":561.11,"sentiment":"neutral","sentiment_score":0.07466627657413483},{"text":"Right.","start":561.11,"end":561.27,"sentiment":"neutral","sentiment_score":0.07881875336170197}],"sentiment":"neutral","sentiment_score":0.031159935146570207,"num_words":10,"start":558.87,"end":561.27},{"sentences":[{"text":"Okay.","start":561.27,"end":561.765,"sentiment":"neutral","sentiment_score":0.09079807251691818},{"text":"Because I think, yeah, Neos did not advise me about this thing, but then if they are happy to move this all to the SMS SMS SMS fund count, then I'm okay to do that as well.","start":563.525,"end":575.04504,"sentiment":"neutral","sentiment_score":0.16554581263178103},{"text":"I'm happy to do that as well.","start":575.04504,"end":576.36,"sentiment":"positive","sentiment_score":0.5887884327343532},{"text":"Mhmm.","start":591.795,"end":592.295,"sentiment":"neutral","sentiment_score":0.05817596614360809},{"text":"Yep.","start":598.675,"end":599.175,"sentiment":"neutral","sentiment_score":0.10206672549247742}],"sentiment":"neutral","sentiment_score":0.22335648639722072,"num_words":47,"start":561.27,"end":599.175},{"sentences":[{"text":"Yeah.","start":601.315,"end":601.795,"sentiment":"neutral","sentiment_score":0.26929357647895813},{"text":"That'll be great.","start":601.795,"end":602.595,"sentiment":"positive","sentiment_score":0.6360504627227783},{"text":"And just one more thing.","start":602.595,"end":604.035,"sentiment":"neutral","sentiment_score":0.11791932731866836},{"text":"So will the premium change over being from an individual to an SMS of a fund managed pre insurance?","start":604.035,"end":613.27997,"sentiment":"neutral","sentiment_score":0.04947982003030024},{"text":"Will it change?","start":613.89996,"end":614.72,"sentiment":"neutral","sentiment_score":0.005934499204158783}],"sentiment":"neutral","sentiment_score":0.12016005417512308,"num_words":31,"start":601.315,"end":614.72},{"sentences":[{"text":"Okay.","start":618.45996,"end":618.95996,"sentiment":"neutral","sentiment_score":0.03694221004843712},{"text":"Okay.","start":621.715,"end":622.195,"sentiment":"neutral","sentiment_score":0.12346089631319046},{"text":"Yeah.","start":622.195,"end":622.695,"sentiment":"neutral","sentiment_score":0.12557674944400787},{"text":"Yeah.","start":624.515,"end":625.015,"sentiment":"neutral","sentiment_score":0.17737439274787903},{"text":"Yeah.","start":627.075,"end":627.575,"sentiment":"neutral","sentiment_score":0.017627347260713577}],"sentiment":"neutral","sentiment_score":0.09619631916284561,"num_words":5,"start":618.45996,"end":627.575},{"sentences":[{"text":"Yeah.","start":642.01,"end":642.25,"sentiment":"neutral","sentiment_score":0.11560000479221344},{"text":"That'll be best.","start":642.25,"end":642.97003,"sentiment":"neutral","sentiment_score":0.1765285531679789},{"text":"Of course.","start":642.97003,"end":643.21,"sentiment":"neutral","sentiment_score":0.04132910817861557},{"text":"Why not?","start":643.21,"end":643.61,"sentiment":"neutral","sentiment_score":-0.03910125605762005},{"text":"I mean, if if I find a cheaper place, then why not?","start":643.61,"end":646.01,"sentiment":"neutral","sentiment_score":-0.0918999429171284}],"sentiment":"neutral","sentiment_score":-0.02265789732336998,"num_words":20,"start":642.01,"end":646.01},{"sentences":[{"text":"But then, yeah, with the obviously, same level of covers, though, for sure.","start":646.01,"end":649.425,"sentiment":"neutral","sentiment_score":0.026882487420852367},{"text":"Yeah.","start":659.185,"end":659.685,"sentiment":"neutral","sentiment_score":0.00745175126940012},{"text":"That is the permanent disability or the insurance?","start":659.745,"end":665.05,"sentiment":"neutral","sentiment_score":-0.0030805603601038456},{"text":"That's a board.","start":665.91,"end":666.81,"sentiment":"neutral","sentiment_score":0.032173016419013344},{"text":"Okay.","start":672.95,"end":673.35,"sentiment":"neutral","sentiment_score":0.10900035500526428}],"sentiment":"neutral","sentiment_score":0.020684577273921326,"num_words":26,"start":646.01,"end":673.35},{"sentences":[{"text":"Okay.","start":673.35,"end":673.75,"sentiment":"neutral","sentiment_score":0.15341073274612427},{"text":"I think that is reasonable.","start":673.75,"end":675.53,"sentiment":"neutral","sentiment_score":0.30312131345272064},{"text":"So let's continue with that.","start":675.75,"end":677.565,"sentiment":"neutral","sentiment_score":0.18828262388706207},{"text":"Meanwhile, I'll let you do the paperwork rather okay.","start":677.565,"end":681.485,"sentiment":"neutral","sentiment_score":0.11827300323380364},{"text":"Let's do this.","start":681.485,"end":682.205,"sentiment":"neutral","sentiment_score":0.12226620564858119}],"sentiment":"neutral","sentiment_score":0.17572548110847888,"num_words":23,"start":673.35,"end":682.205},{"sentences":[{"text":"Before we do the paperwork, let's get a quote for it.","start":682.205,"end":684.865,"sentiment":"neutral","sentiment_score":0.09672981161962856},{"text":"And meanwhile, I'll talk to my accountant who's also wanting to help you with that.","start":685.08496,"end":689.73,"sentiment":"neutral","sentiment_score":0.1373784934480985},{"text":"So let me get a quote from him as well and then try to see what suits best.","start":689.81,"end":693.91,"sentiment":"neutral","sentiment_score":0.14131119143631724},{"text":"Yeah.","start":695.01,"end":695.32996,"sentiment":"neutral","sentiment_score":0.10497786104679108},{"text":"Before you before you proceed with the paperwork, I think that will be reasonable to just get quotes and find out rather than proceeding and then realize we don't want to.","start":695.32996,"end":701.925,"sentiment":"neutral","sentiment_score":0.041828169757800716}],"sentiment":"neutral","sentiment_score":0.09302576182802257,"num_words":76,"start":682.205,"end":701.925},{"sentences":[{"text":"So yeah.","start":702.325,"end":703.14496,"sentiment":"neutral","sentiment_score":0.011179646011441946},{"text":"Yeah.","start":710.005,"end":710.485,"sentiment":"neutral","sentiment_score":0.115034282207489},{"text":"Yeah.","start":710.485,"end":710.985,"sentiment":"neutral","sentiment_score":0.09421977400779724},{"text":"No.","start":712.485,"end":712.805,"sentiment":"neutral","sentiment_score":-0.16573183238506317},{"text":"Not at all.","start":712.805,"end":713.705,"sentiment":"neutral","sentiment_score":-0.13867906481027603}],"sentiment":"neutral","sentiment_score":-0.04376945982221514,"num_words":8,"start":702.325,"end":713.705},{"sentences":[{"text":"Yeah.","start":723.14,"end":723.38,"sentiment":"positive","sentiment_score":0.383823037147522},{"text":"That'll be great.","start":723.38,"end":724.18,"sentiment":"positive","sentiment_score":0.5713212887446085},{"text":"And just one more thing, Clarissa.","start":724.18,"end":725.86,"sentiment":"neutral","sentiment_score":0.14638260379433632},{"text":"So the the SMSF fund itself.","start":725.86,"end":729.845,"sentiment":"neutral","sentiment_score":0.08721993242700894},{"text":"So I am basically gonna be the trustee on that on that fund.","start":729.90497,"end":734.805,"sentiment":"neutral","sentiment_score":0.10872443249592414}],"sentiment":"neutral","sentiment_score":0.16940757735022183,"num_words":29,"start":723.14,"end":734.805},{"sentences":[{"text":"So how does this insurance policy work?","start":735.345,"end":737.425,"sentiment":"neutral","sentiment_score":0.10236272854464394},{"text":"So because it's not just me.","start":737.425,"end":739.105,"sentiment":"neutral","sentiment_score":0.03756385234495004},{"text":"Even my partner would be a part of that same fund.","start":739.105,"end":742.165,"sentiment":"neutral","sentiment_score":0.05718075314706022},{"text":"So how does the policy work then?","start":742.68,"end":744.44,"sentiment":"neutral","sentiment_score":0.05979856210095542},{"text":"I mean, does it work individually for both of us, or does it work combined together for both of us, or does it work only in terms of the SMSF?","start":744.44,"end":752.14,"sentiment":"neutral","sentiment_score":0.053404654500385125}],"sentiment":"neutral","sentiment_score":0.05887934538062479,"num_words":61,"start":735.345,"end":752.14},{"sentences":[{"text":"I don't know.","start":752.2,"end":752.68,"sentiment":"neutral","sentiment_score":-0.11649179210265477},{"text":"I'm just trying to understand.","start":752.68,"end":753.82,"sentiment":"neutral","sentiment_score":-0.130809922516346},{"text":"Mhmm.","start":786.565,"end":787.065,"sentiment":"neutral","sentiment_score":0.08639442175626755},{"text":"Okay.","start":798.885,"end":799.28503,"sentiment":"neutral","sentiment_score":0.1202336847782135},{"text":"Okay.","start":799.28503,"end":799.685,"sentiment":"neutral","sentiment_score":0.13202804327011108}],"sentiment":"neutral","sentiment_score":-0.06044262173500928,"num_words":11,"start":752.2,"end":799.685},{"sentences":[{"text":"Yeah.","start":799.685,"end":800.185,"sentiment":"neutral","sentiment_score":0.21540188789367676},{"text":"That makes sense.","start":801.14996,"end":801.87,"sentiment":"neutral","sentiment_score":0.2783390283584595},{"text":"So so and in that case, would both the beneficiaries have equal sort of cover with their insurance?","start":801.87,"end":813.41,"sentiment":"neutral","sentiment_score":0.11949113839202458},{"text":"Mhmm.","start":813.465,"end":813.965,"sentiment":"neutral","sentiment_score":0.006947943940758705},{"text":"Mhmm.","start":820.9125,"end":821.4125,"sentiment":"neutral","sentiment_score":0.02504752203822136}],"sentiment":"neutral","sentiment_score":0.13471895541685322,"num_words":24,"start":799.685,"end":821.4125},{"sentences":[{"text":"Oh, okay.","start":828.6,"end":829.57996,"sentiment":"neutral","sentiment_score":0.026500917971134186},{"text":"Okay.","start":830.12,"end":830.62,"sentiment":"neutral","sentiment_score":0.0445316880941391},{"text":"So let's do this.","start":830.83997,"end":832.68,"sentiment":"neutral","sentiment_score":0.0804197071120143},{"text":"Let's let's go for me for now.","start":832.68,"end":835.33997,"sentiment":"neutral","sentiment_score":0.08016715997031756},{"text":"Meanwhile, I will have a chat about with my accountant as well who's also get probably in the line of getting an insurance for me for this SMS account.","start":835.72,"end":846.275,"sentiment":"neutral","sentiment_score":0.10070766996720741}],"sentiment":"neutral","sentiment_score":0.09071871863548146,"num_words":43,"start":828.6,"end":846.275},{"sentences":[{"text":"So let's do both, and then I'll I'll I will try to compare and see if I need to add or anything.","start":846.495,"end":850.835,"sentiment":"neutral","sentiment_score":0.07832327933812683},{"text":"Yeah.","start":853.135,"end":853.635,"sentiment":"neutral","sentiment_score":0.16947081685066223},{"text":"Yeah.","start":855.215,"end":855.53503,"sentiment":"neutral","sentiment_score":0.12304992973804474},{"text":"Alright.","start":855.53503,"end":856.015,"sentiment":"neutral","sentiment_score":0.08821530640125275},{"text":"Cool.","start":856.015,"end":856.47,"sentiment":"positive","sentiment_score":0.526125431060791}],"sentiment":"neutral","sentiment_score":0.10115283190344389,"num_words":26,"start":846.495,"end":856.47},{"sentences":[{"text":"Thank you.","start":857.50995,"end":857.99,"sentiment":"positive","sentiment_score":0.4643869251012802},{"text":"Thank you so much.","start":857.99,"end":859.12994,"sentiment":"positive","sentiment_score":0.7094510495662689},{"text":"Yeah.","start":861.99,"end":862.31,"sentiment":"positive","sentiment_score":0.36485427618026733},{"text":"No worries.","start":862.31,"end":862.70996,"sentiment":"neutral","sentiment_score":0.293914332985878},{"text":"And just send me an email whatever details you would need, and then I can share that with Malan as well.","start":862.70996,"end":867.68994,"sentiment":"neutral","sentiment_score":0.28921336503255934}],"sentiment":"positive","sentiment_score":0.3597580552101135,"num_words":30,"start":857.50995,"end":867.68994},{"sentences":[{"text":"Yeah.","start":868.14996,"end":868.64996,"sentiment":"neutral","sentiment_score":0.1065038964152336},{"text":"Yeah.","start":869.26996,"end":869.75,"sentiment":"neutral","sentiment_score":0.18945840001106265},{"text":"Cool.","start":869.75,"end":870.25,"sentiment":"positive","sentiment_score":0.5560500621795654},{"text":"Thank you.","start":870.82086,"end":871.30084,"sentiment":"positive","sentiment_score":0.6863476932048798},{"text":"Thank you so much, Lutsel.","start":871.30084,"end":872.6009,"sentiment":"positive","sentiment_score":0.8209421038627625}],"sentiment":"positive","sentiment_score":0.6329418264329434,"num_words":10,"start":868.14996,"end":872.6009},{"sentences":[{"text":"Yeah.","start":874.9009,"end":875.14087,"sentiment":"positive","sentiment_score":0.5050868988037109},{"text":"You too.","start":875.14087,"end":875.62085,"sentiment":"positive","sentiment_score":0.451911598443985},{"text":"Thank you.","start":875.62085,"end":876.3409,"sentiment":"positive","sentiment_score":0.5587845742702484},{"text":"Bye.","start":876.3409,"end":876.8409,"sentiment":"neutral","sentiment_score":0.3067619800567627}],"sentiment":"positive","sentiment_score":0.4722068707148234,"num_words":6,"start":874.9009,"end":876.8409}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Record your name and reason for calling. I'll see if this person is available.\n\nChannel 0: Larissa or Qfin Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello?\n\nChannel 0: Hi. My name is Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good. Thanks, Liza. How are you?\n\nChannel 0: Yeah. Really good. Thank you.\n\nChannel 1: That's good. Yeah.\n\nChannel 0: I was\n\nChannel 1: Yeah.\n\nChannel 0: just reaching out to you as we received an email from Neos this morning. Did you have a couple of minutes to have a chat with\n\nChannel 1: Yeah.\n\nChannel 0: me?\n\nChannel 1: Yeah. Yeah. Sure.\n\nChannel 0: Yeah. Amazing. Before I jump into it, I do need to let you know that calls are recorded. And just to make sure that I'm obviously talking to who I think I am, if you are able to confirm, security, full name, date of birth, and address for me?\n\nChannel 1: Mhmm. Yeah. It is full name is Sujopanail. Date of birth is 07/20/1985. And email ID, you said?\n\nChannel 0: Yeah. Email or address. Either either way.\n\nChannel 1: Yeah. Email is Sujo.Panayil@Yahoo.co.in.\n\nChannel 0: Perfect. Thanks, CJ. Okay. So we received a email from Neos that you had you'd emailed them Friday evening to cancel your Neos policy as you're intending on setting up an SMSF fund and rolling all of your funds over to the SMSF?\n\nChannel 1: That is right. Yes.\n\nChannel 0: Okay. Have you I guess, can I ask a bit of what has made you sort of pursue an SMSF fund?\n\nChannel 1: Yeah. So I am going to get some property on through that. So just buying some real estate through the SMS accounts and managing myself.\n\nChannel 0: Okay. Are you already under contract for a property under the SMSF\n\nChannel 1: Yes. Yes.\n\nChannel 0: fund?\n\nChannel 1: Well, yeah, I will see the process. So I've got the contact through, and we're getting it all sorted.\n\nChannel 0: Okay. Are you buying like, you bought residential property? Or\n\nChannel 1: Yes. Property. Yes.\n\nChannel 0: okay. And, like, your broker's confident that you're gonna be able to get all the applications and everything finalized before the time cutoff?\n\nChannel 1: Yes. So the contact is already in, so it it will be done before that.\n\nChannel 0: Okay. Alright. And have like, I guess, when did you sort of make the decision to to transition that way?\n\nChannel 1: I think early I think mid last month, mid July.\n\nChannel 0: Okay. So it it's it's been a quick turnaround for you.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Okay. With I guess with your NEOS policy, you do like, your NEOS policy could be transferred to your SMSF fund, then paid by your SMSF fund. It doesn't have to be, I guess, canceled.\n\nChannel 1: Mhmm. Mhmm. Oh,\n\nChannel 0: I\n\nChannel 1: can\n\nChannel 0: guess\n\nChannel 1: that happen?\n\nChannel 0: yeah. Yeah. It definitely it can it can be transferred to be owned\n\nChannel 1: Okay.\n\nChannel 0: by your SMSF, or I guess\n\nChannel 1: Mhmm.\n\nChannel 0: we could we could look into rewriting the policy. You know, obviously, have a look at have a look at where the policy sits to see whether\n\nChannel 1: Mhmm.\n\nChannel 0: there's anything on market and rewrite the policy to be paid for by your your SMSF fund and and kinda go from there. I mean, the the choice is obviously yours. If you do choose to cancel the\n\nChannel 1: Mhmm.\n\nChannel 0: policy, you just have to understand that you won't have those benefits anymore. So if anything happened to you that, you know, you you're not insured personally?\n\nChannel 1: K. Anyways, I will have to get an insurance for the SMSF account as well. So anyway, I'm gonna get an insurance for that. So\n\nChannel 0: You mean,\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: don't\n\nChannel 0: don't you don't have to get insurance?\n\nChannel 1: of course,\n\nChannel 0: You\n\nChannel 1: yeah,\n\nChannel 0: don't\n\nChannel 1: I don't have to, but, yeah, I will I will I will be doing that.\n\nChannel 0: yeah. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Good.\n\nChannel 1: Just\n\nChannel 0: No. No.\n\nChannel 1: to\n\nChannel 0: Cool.\n\nChannel 1: protect her. Yeah.\n\nChannel 0: Amazing. And I so your Neos policy is obviously it it's in place right now. Currently, the policy currently, policy covers you for, like, life and total pump disability insurance. So it's it's sort of 1.4 of life and 1.4 of of total pamper disability.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We we could transfer that to be paid by the SMSF fund. Obviously, like, as you're aware, the premiums are are, like, have have just been paid for the year. If canceled within thirty days of the renewal notice, generally, you get all of the funds back. If you wanna look at transferring it over to your SMSF fund, ultimately, you have, you know, twelve months to do so. I can see that your SMSF fund probably doesn't have any money in it at the moment, unless nothing that's come from Netwealth because all of your money is currently still in Netwealth.\n\nChannel 1: That is right. Yes. So the the rollover hasn't happened yet. So I'm even waiting for that as well from NetWell. Yeah.\n\nChannel 0: Hi. Generally speaking, SMSF fund will have to request the rollover directly from the self managed super fund. It can't be pushed from Netwealth to the SMSF. It has\n\nChannel 1: It was\n\nChannel 0: to\n\nChannel 1: already\n\nChannel 0: the\n\nChannel 1: requested.\n\nChannel 0: request has\n\nChannel 1: So\n\nChannel 0: to come.\n\nChannel 1: the process is already\n\nChannel 0: Okay.\n\nChannel 1: through. It was already requested, and it is in process. I spoke to somebody from just yesterday, and they said they've got my assets being sold. And then they put it all in cash, and they're just waiting for the final confirmation to get that through now.\n\nChannel 0: Yeah. Yeah. I can I can see majority of it sitting in cash already\n\nChannel 1: Yeah.\n\nChannel 0: ready\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: go? There's just a few assets still still pending\n\nChannel 1: Yeah.\n\nChannel 0: sale.\n\nChannel 1: That is right. I think that's what this well, they didn't they didn't mention to them about any pending sales, but they did mention about the that that all of them have been completed, but I because I checked the allocations, I didn't see anything else other than cash. So even I'm not sure, but are you saying that there is something still pending for sales?\n\nChannel 0: It it just looks like it's sort of like the back end settlement. So while everything might be like, might represent as sold, it just looks like there's there's sort of just the the final settlement of\n\nChannel 1: Right.\n\nChannel 0: trades still going through.\n\nChannel 1: Right. Right. Right. Right.\n\nChannel 0: Yeah. So it's just until that happens that it just it sort of won't transition out.\n\nChannel 1: So okay. Yeah. That should be okay. I think that should be fine. So that will take another couple of days, I believe.\n\nAnd then\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So that I think that was the the real process where the rollover was initiated by my accountant. So that was done. And just waiting for that rollover to happen and then get that money in the account. But was it related to the payment of because the payment for this insurance has already been done.\n\nAnd if I move it over, do I have to speak to somebody from Nuance again to get it moved over to the SMSF account if I need to continue the same insurance?\n\nChannel 0: So there's I guess there's a couple of options moving forward because, like, we're the adviser that set up the Neos policy. We can continue to advise you on just the Neos policy. So where we can sort of reach out to you once a year, just touch base,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, make sure that the cover is still appropriate and go from there. We can you know, in in that instance, if you want us to keep, like, being the servicing adviser for that Neos policy, we can\n\nChannel 1: Mhmm.\n\nChannel 0: help you with transferring the policy over to your SMSF fund because it's a it's a transfer of memorandum. So it's it's a complete ownership transfer across. So there's a little bit of paperwork involved.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Alternatively, if you want us to cease being your advisers completely and not have any engagement or contact moving forward, then what we can do is we can just leave it in your hands to contact Neos. Ultimately speaking, Neos, at the moment, their process is if they don't\n\nChannel 1: Mhmm.\n\nChannel 0: hear from either us or you by the August 10, they will cease the policy,\n\nChannel 1: Correct.\n\nChannel 0: and it\n\nChannel 1: Yes.\n\nChannel 0: will completely close,\n\nChannel 1: Yes.\n\nChannel 0: and they'll refund anything outstanding.\n\nChannel 1: Yes.\n\nChannel 0: Generally, that refund will go back to the account that paid for it to begin\n\nChannel 1: Yeah.\n\nChannel 0: with.\n\nChannel 1: Yeah. Which is back to Netwealth. I think they did mention this to me as well yesterday that and I got an email also about it, that they'll just wait until the August 10 if they don't get back, I think, and they'll close it. But since you gave me an idea of transferring it over to an SMSF, would you be assisting me to do that if I need to?\n\nChannel 0: Yeah. So, like I said, if you want us to continue advising on the policy, I'm\n\nChannel 1: Mhmm.\n\nChannel 0: more than happy to assist with that side.\n\nChannel 1: Right. And what about any charges of fees? Is this a separate, like, a service for that, or\n\nChannel 0: No.\n\nChannel 1: is this part of the whole deal?\n\nChannel 0: It's it's part of everything. Like, we get insurance commissions on the insurance policy so\n\nChannel 1: Okay.\n\nChannel 0: we can continue servicing servicing this the insurance policy for you and\n\nChannel 1: Alright.\n\nChannel 0: with you.\n\nChannel 1: And without me continuing my relationship with Netwealth, because shortly after the rollover, I would plan to stop or\n\nChannel 0: Yes.\n\nChannel 1: seize the Netwealth account as well.\n\nChannel 0: No. That's that's understood, I guess, implied. No. Yeah. You would you would basically become an insurance only client.\n\nSo we\n\nChannel 1: Oh,\n\nChannel 0: would just\n\nChannel 1: okay.\n\nChannel 0: advise\n\nChannel 1: Yeah. So\n\nChannel 0: you\n\nChannel 1: that also\n\nChannel 0: on\n\nChannel 1: happens\n\nChannel 0: insurance\n\nChannel 1: right away.\n\nChannel 0: only.\n\nChannel 1: Yeah. Right. Right.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Because I think, yeah, Neos did not advise me about this thing, but then if they are happy to move this all to the SMS SMS SMS fund count, then I'm okay\n\nChannel 0: Mhmm.\n\nChannel 1: to do that as well. I'm happy to do that as well.\n\nChannel 0: Okay. Perfect. I'll well, I can kick start that side of things, get the paperwork. It takes a couple of days to come through from Neos. We obviously have time.\n\nIf you're wanting to definitely keep the policy, we can we can get that transferred. What I can do is I will send you an What I can do is I will send you\n\nChannel 1: Mhmm.\n\nChannel 0: an email just requesting some of the SMSF details so that way I can prefill the form for you\n\nChannel 1: Yep.\n\nChannel 0: as much as possible before I send\n\nChannel 1: Yeah. That'll be great. And just one more thing. So will the premium change over being from an individual to an SMS of a fund managed pre insurance? Will\n\nChannel 0: it\n\nChannel 1: it\n\nChannel 0: through.\n\nChannel 1: change?\n\nChannel 0: It it can change a little bit, but I never see it drastically change. When\n\nChannel 1: Okay.\n\nChannel 0: I request the transfer, I I get it I'll get a quote at the same time,\n\nChannel 1: Okay.\n\nChannel 0: and I'll email\n\nChannel 1: Yeah.\n\nChannel 0: that through to you so you have it all\n\nChannel 1: Yeah.\n\nChannel 0: so you can make an informed decision.\n\nChannel 1: Yeah.\n\nChannel 0: And I guess I wouldn't be doing my due diligence if I didn't at least ask. I guess, do you want me to have a look at possibly rewriting the policy to a brand new provider, see if there's anyone else on the market that may offer, like, a comparable pricing?\n\nChannel 1: Yeah. That'll be best. Of course. Why not? I mean, if if I find a cheaper place, then why not?\n\nBut then, yeah, with the obviously, same level of covers, though, for sure.\n\nChannel 0: Yeah. Yeah. So you wanna keep it because it's currently 1,000,006 hun sorry. $1,465,065. So $1.04 $6.05 $0.06 5.\n\nChannel 1: Yeah. That is the permanent disability or the\n\nChannel 0: That's\n\nChannel 1: insurance?\n\nChannel 0: for both. That's\n\nChannel 1: That's\n\nChannel 0: that's\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: board.\n\nChannel 0: amount for both of them. So life insurance is that much and total family disability is also the same amount.\n\nChannel 1: Okay. Okay. I think that is reasonable. So let's continue with that. Meanwhile, I'll let you do the paperwork rather okay.\n\nLet's do this. Before we do the paperwork, let's get a quote for it. And\n\nChannel 0: Yep.\n\nChannel 1: meanwhile, I'll talk to my accountant who's also wanting to help you with that. So let me get a quote from him as well and then try to see what suits best.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. Before you\n\nChannel 0: I'll\n\nChannel 1: before you proceed\n\nChannel 0: yeah.\n\nChannel 1: with the paperwork, I think that will be reasonable to just get quotes and find out rather than proceeding and then realize we don't want to. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: No. I can do that. Just double checking, like, nothing about your occupation's changed. Health is still still\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: Yeah.\n\nChannel 0: No issues on those fronts?\n\nChannel 1: No. Not at all.\n\nChannel 0: Good. Cool. Cool. Cool. Alright.\n\nWell, I'll I'll get cracking and start reaching out, contacting Neos and and grabbing a few figures and go from there.\n\nChannel 1: Yeah. That'll be great. And just one more thing, Clarissa. So the\n\nChannel 0: Yeah.\n\nChannel 1: the SMSF fund itself. So I am basically gonna be the trustee on that on that fund. So\n\nChannel 0: Yep.\n\nChannel 1: how does this insurance policy work? So because it's not just me. Even my partner would be a part of that same fund. So\n\nChannel 0: Yep.\n\nChannel 1: how does the policy work then? I mean, does it work individually for both of us, or does it work combined together for both of us, or does it work only in terms of the SMSF? I don't know. I'm just trying to understand.\n\nChannel 0: No. That's okay. So it's so, basically, there's two components to it. There's the life insured and there's the owner. So the SMSF fund becomes the owner, which means upon a claimable event happening to the self so to the life insured.\n\nSo if anything happened to you as the insured person, the money gets paid to the SMSF fund. And what that what happens from there is the SMSF fund can then distribute that that that money depending on what needs to happen. So if it's a life insurance benefit, the money gets paid through to the SMSF fund,\n\nChannel 1: Mhmm.\n\nChannel 0: and then as your as your your partner, your wife would be able to distribute that money to herself in accordance with the beneficiary details on the fund.\n\nChannel 1: Okay. Okay. Yeah. That makes sense. So so and in that case, would both the beneficiaries have equal sort of cover with their insurance?\n\nChannel 0: This\n\nChannel 1: Mhmm.\n\nChannel 0: so this policy covers you and you only. I can look at a policy for your partner that could be covered by\n\nChannel 1: Mhmm.\n\nChannel 0: the like like, where the SMSF fund pays for it, but I would need a few details to be able to\n\nChannel 1: Oh,\n\nChannel 0: try and\n\nChannel 1: okay.\n\nChannel 0: write\n\nChannel 1: Okay.\n\nChannel 0: that.\n\nChannel 1: So let's do this. Let's let's go for me for now. Meanwhile,\n\nChannel 0: Yep.\n\nChannel 1: I will have a chat about with my accountant as well who's also get probably in the line of getting an insurance for me for this SMS account. So\n\nChannel 0: Mhmm.\n\nChannel 1: let's do both, and then I'll I'll I will try to compare and see if I need to add or anything.\n\nChannel 0: Yeah. Uh-huh. I can do that. I will\n\nChannel 1: Yeah.\n\nChannel 0: get cracking and have a look at it.\n\nChannel 1: Yeah. Alright. Cool.\n\nChannel 0: No\n\nChannel 1: Thank\n\nChannel 0: problem.\n\nChannel 1: you. Thank\n\nChannel 0: Alright.\n\nChannel 1: you so much.\n\nChannel 0: No, CJ. My pleasure. Absolutely.\n\nChannel 1: Yeah. No worries. And just send me an email whatever details you would need, and then I can share that with Malan as well.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I will.\n\nChannel 1: Yeah. Cool. Thank you. Thank you so much, Lutsel.\n\nChannel 0: My pleasure. You have a great afternoon.\n\nChannel 1: Yeah. You too. Thank you. Bye.\n\nChannel 0: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Record your name and reason for calling.","start":0.24,"end":2.26,"sentiment":"neutral","sentiment_score":-0.0075963144190609455},{"text":"I'll see if this person is available.","start":2.32,"end":4.02,"sentiment":"neutral","sentiment_score":0.004522278971437897}],"sentiment":"neutral","sentiment_score":-0.0015370177238115243,"channel":1,"num_words":14,"start":0.24,"end":4.02},{"sentences":[{"text":"Larissa or Qfin Financial.","start":6.3199997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.020552799105644226}],"sentiment":"neutral","sentiment_score":0.020552799105644226,"channel":0,"num_words":4,"start":6.3199997,"end":7.7799997},{"sentences":[{"text":"Thanks.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.3019351661205292},{"text":"Please stay on the line.","start":13.36,"end":14.74,"sentiment":"neutral","sentiment_score":0.12990915179252624},{"text":"Hello?","start":20.215,"end":20.715,"sentiment":"neutral","sentiment_score":0.0551227331161499}],"sentiment":"neutral","sentiment_score":0.14380052259990148,"channel":1,"num_words":7,"start":12.639999,"end":20.715},{"sentences":[{"text":"Hi.","start":21.895,"end":22.375,"sentiment":"neutral","sentiment_score":0.09547601640224455},{"text":"My name is Larissa from Oakview Financial.","start":22.375,"end":24.055,"sentiment":"neutral","sentiment_score":0.10249495932034083},{"text":"How are you going?","start":24.055,"end":24.955,"sentiment":"neutral","sentiment_score":0.1362859159708023}],"sentiment":"neutral","sentiment_score":0.11317369962731998,"channel":0,"num_words":12,"start":21.895,"end":24.955},{"sentences":[{"text":"Good.","start":24.775002,"end":25.015,"sentiment":"positive","sentiment_score":0.3989748954772949},{"text":"Thanks, Liza.","start":25.015,"end":25.654999,"sentiment":"positive","sentiment_score":0.4541047513484955},{"text":"How are you?","start":25.654999,"end":26.395,"sentiment":"neutral","sentiment_score":0.2553358922402064}],"sentiment":"positive","sentiment_score":0.34553201248248416,"channel":1,"num_words":6,"start":24.775002,"end":26.395},{"sentences":[{"text":"Yeah.","start":26.615,"end":27.095,"sentiment":"neutral","sentiment_score":0.2528224587440491},{"text":"Really good.","start":27.095,"end":27.735,"sentiment":"positive","sentiment_score":0.536895364522934},{"text":"Thank you.","start":27.735,"end":28.474998,"sentiment":"positive","sentiment_score":0.6173539459705353}],"sentiment":"positive","sentiment_score":0.5122642159461975,"channel":0,"num_words":5,"start":26.615,"end":28.474998},{"sentences":[{"text":"That's good.","start":28.295,"end":28.935001,"sentiment":"positive","sentiment_score":0.5027216076850891},{"text":"Yeah.","start":28.935001,"end":29.34,"sentiment":"neutral","sentiment_score":0.10576609522104265}],"sentiment":"positive","sentiment_score":0.37040310353040695,"channel":1,"num_words":3,"start":28.295,"end":29.34},{"sentences":[{"text":"I was","start":29.49,"end":29.970001,"sentiment":"neutral","sentiment_score":0.04761425778269768}],"sentiment":"neutral","sentiment_score":0.04761425778269768,"channel":0,"num_words":2,"start":29.49,"end":29.970001},{"sentences":[{"text":"Yeah.","start":29.74,"end":30.24,"sentiment":"neutral","sentiment_score":0.03283623233437538}],"sentiment":"neutral","sentiment_score":0.03283623233437538,"channel":1,"num_words":1,"start":29.74,"end":30.24},{"sentences":[{"text":"just reaching out to you as we received an email from Neos this morning.","start":29.970001,"end":35.670002,"sentiment":"neutral","sentiment_score":0.014826531788068158},{"text":"Did you have a couple of minutes to have a chat with","start":36.29,"end":38.13,"sentiment":"neutral","sentiment_score":0.009703154598052302}],"sentiment":"neutral","sentiment_score":0.012461896161906995,"channel":0,"num_words":26,"start":29.970001,"end":38.13},{"sentences":[{"text":"Yeah.","start":37.98,"end":38.46,"sentiment":"neutral","sentiment_score":-0.0022075437009334564}],"sentiment":"neutral","sentiment_score":-0.0022075437009334564,"channel":1,"num_words":1,"start":37.98,"end":38.46},{"sentences":[{"text":"me?","start":38.13,"end":38.63,"sentiment":"neutral","sentiment_score":0.001642238348722458}],"sentiment":"neutral","sentiment_score":0.001642238348722458,"channel":0,"num_words":1,"start":38.13,"end":38.63},{"sentences":[{"text":"Yeah.","start":38.46,"end":38.7,"sentiment":"neutral","sentiment_score":0.015388899482786655},{"text":"Yeah.","start":38.7,"end":38.94,"sentiment":"neutral","sentiment_score":0.03919008746743202},{"text":"Sure.","start":38.94,"end":39.44,"sentiment":"neutral","sentiment_score":0.09101884812116624}],"sentiment":"neutral","sentiment_score":0.048532611690461636,"channel":1,"num_words":3,"start":38.46,"end":39.44},{"sentences":[{"text":"Yeah.","start":39.73,"end":39.97,"sentiment":"neutral","sentiment_score":0.21773749589920044},{"text":"Amazing.","start":39.97,"end":40.47,"sentiment":"positive","sentiment_score":0.3585308790206909},{"text":"Before I jump into it, I do need to let you know that calls are recorded.","start":40.61,"end":43.075,"sentiment":"neutral","sentiment_score":0.062444291077554226},{"text":"And just to make sure that I'm obviously talking to who I think I am, if you are able to confirm, security, full name, date of birth, and address for me?","start":43.075,"end":50.935,"sentiment":"neutral","sentiment_score":0.03959791049841912}],"sentiment":"neutral","sentiment_score":0.0572022909716684,"channel":0,"num_words":49,"start":39.73,"end":50.935},{"sentences":[{"text":"Mhmm.","start":50.585,"end":51.065,"sentiment":"neutral","sentiment_score":-0.006946028675884008},{"text":"Yeah.","start":51.065,"end":51.305,"sentiment":"neutral","sentiment_score":-0.0013042222708463669},{"text":"It is full name is Sujopanail.","start":51.305,"end":52.925,"sentiment":"neutral","sentiment_score":0.0034784309876461825},{"text":"Date of birth is 07/20/1985.","start":53.305,"end":55.65,"sentiment":"neutral","sentiment_score":0.002221847791224718},{"text":"And email ID, you said?","start":56.050003,"end":58.15,"sentiment":"neutral","sentiment_score":-0.006163261923938989}],"sentiment":"neutral","sentiment_score":-0.00039370753802359104,"channel":1,"num_words":18,"start":50.585,"end":58.15},{"sentences":[{"text":"Yeah.","start":58.739998,"end":58.98,"sentiment":"neutral","sentiment_score":-0.007677034940570593},{"text":"Email or address.","start":58.98,"end":59.86,"sentiment":"neutral","sentiment_score":-0.010492472598950068},{"text":"Either either way.","start":59.86,"end":61.079998,"sentiment":"neutral","sentiment_score":-0.005681891770412524}],"sentiment":"neutral","sentiment_score":-0.00802858972123691,"channel":0,"num_words":7,"start":58.739998,"end":61.079998},{"sentences":[{"text":"Yeah.","start":61.010002,"end":61.49,"sentiment":"neutral","sentiment_score":0.006170253269374371},{"text":"Email is Sujo.Panayil@Yahoo.co.in.","start":61.49,"end":64.79,"sentiment":"neutral","sentiment_score":0.010776789238055548}],"sentiment":"neutral","sentiment_score":0.009625155245885253,"channel":1,"num_words":4,"start":61.010002,"end":64.79},{"sentences":[{"text":"Perfect.","start":65.22,"end":65.7,"sentiment":"positive","sentiment_score":0.34316956996917725},{"text":"Thanks, CJ.","start":65.7,"end":66.6,"sentiment":"neutral","sentiment_score":0.22464321553707123},{"text":"Okay.","start":67.06,"end":67.54,"sentiment":"neutral","sentiment_score":-0.01690288819372654},{"text":"So we received a email from Neos that you had you'd emailed them Friday evening to cancel your Neos policy as you're intending on setting up an SMSF fund and rolling all of your funds over to the SMSF?","start":67.54,"end":82.68,"sentiment":"neutral","sentiment_score":-0.16662525614866844}],"sentiment":"neutral","sentiment_score":-0.13308911341740642,"channel":0,"num_words":43,"start":65.22,"end":82.68},{"sentences":[{"text":"That is right.","start":82.885,"end":83.604996,"sentiment":"neutral","sentiment_score":-0.05439433082938194},{"text":"Yes.","start":83.604996,"end":84.09,"sentiment":"neutral","sentiment_score":-0.023447245359420776}],"sentiment":"neutral","sentiment_score":-0.04665755946189165,"channel":1,"num_words":4,"start":82.885,"end":84.09},{"sentences":[{"text":"Okay.","start":84.44,"end":84.94,"sentiment":"neutral","sentiment_score":-0.03177125006914139},{"text":"Have you I guess, can I ask a bit of what has made you sort of pursue an SMSF fund?","start":85.24,"end":91.58,"sentiment":"neutral","sentiment_score":-0.03596899472177029}],"sentiment":"neutral","sentiment_score":-0.03576910211926415,"channel":0,"num_words":21,"start":84.44,"end":91.58},{"sentences":[{"text":"Yeah.","start":93.369995,"end":93.869995,"sentiment":"neutral","sentiment_score":-0.02377801202237606},{"text":"So I am going to get some property on through that.","start":94.09,"end":97.215,"sentiment":"neutral","sentiment_score":-0.024108660153367302},{"text":"So just buying some real estate through the SMS accounts and managing myself.","start":97.534996,"end":102.195,"sentiment":"neutral","sentiment_score":-0.010549837866654763}],"sentiment":"neutral","sentiment_score":-0.01704484663903713,"channel":1,"num_words":25,"start":93.369995,"end":102.195},{"sentences":[{"text":"Okay.","start":103.735,"end":104.235,"sentiment":"neutral","sentiment_score":-0.001977231353521347},{"text":"Are you already under contract for a property under the SMSF","start":105.735,"end":110.65,"sentiment":"neutral","sentiment_score":-0.01028279172764583}],"sentiment":"neutral","sentiment_score":-0.009590661696468791,"channel":0,"num_words":12,"start":103.735,"end":110.65},{"sentences":[{"text":"Yes.","start":110.91,"end":110.990005,"sentiment":"neutral","sentiment_score":0.0005691098049283028},{"text":"Yes.","start":110.990005,"end":111.490005,"sentiment":"neutral","sentiment_score":0.00029125623404979706}],"sentiment":"neutral","sentiment_score":0.0004301830194890499,"channel":1,"num_words":2,"start":110.91,"end":111.490005},{"sentences":[{"text":"fund?","start":111.35,"end":111.85,"sentiment":"neutral","sentiment_score":-0.00449801329523325}],"sentiment":"neutral","sentiment_score":-0.00449801329523325,"channel":0,"num_words":1,"start":111.35,"end":111.85},{"sentences":[{"text":"Well, yeah, I will see the process.","start":111.87,"end":113.57,"sentiment":"neutral","sentiment_score":0.02713694583092417},{"text":"So I've got the contact through, and we're getting it all sorted.","start":113.87,"end":117.41,"sentiment":"neutral","sentiment_score":0.03499739283385376}],"sentiment":"neutral","sentiment_score":0.032101438674879704,"channel":1,"num_words":19,"start":111.87,"end":117.41},{"sentences":[{"text":"Okay.","start":119.19,"end":119.67,"sentiment":"neutral","sentiment_score":-0.005923599936068058},{"text":"Are you buying like, you bought residential property?","start":119.67,"end":122.345,"sentiment":"neutral","sentiment_score":-0.02027314738370478},{"text":"Or","start":122.345,"end":122.665,"sentiment":"neutral","sentiment_score":-0.02109527587890625}],"sentiment":"neutral","sentiment_score":-0.018920405488461255,"channel":0,"num_words":10,"start":119.19,"end":122.665},{"sentences":[{"text":"Yes.","start":122.590004,"end":122.75,"sentiment":"neutral","sentiment_score":-0.005325189791619778},{"text":"Property.","start":122.75,"end":123.25,"sentiment":"neutral","sentiment_score":-0.010450709611177444},{"text":"Yes.","start":123.630005,"end":124.130005,"sentiment":"neutral","sentiment_score":0.0045733023434877396}],"sentiment":"neutral","sentiment_score":-0.0037341990197698274,"channel":1,"num_words":3,"start":122.590004,"end":124.130005},{"sentences":[{"text":"okay.","start":124.505005,"end":125.005005,"sentiment":"neutral","sentiment_score":-0.0027492789085954428},{"text":"And, like, your broker's confident that you're gonna be able to get all the applications and everything finalized before the time cutoff?","start":125.305,"end":132.365,"sentiment":"positive","sentiment_score":0.4158403595740145}],"sentiment":"positive","sentiment_score":0.3976408100747706,"channel":0,"num_words":23,"start":124.505005,"end":132.365},{"sentences":[{"text":"Yes.","start":132.585,"end":133.085,"sentiment":"neutral","sentiment_score":0.20673313736915588},{"text":"So the contact is already in, so it it will be done before that.","start":133.225,"end":137.965,"sentiment":"neutral","sentiment_score":0.16863571692790305}],"sentiment":"neutral","sentiment_score":0.1711755449573199,"channel":1,"num_words":15,"start":132.585,"end":137.965},{"sentences":[{"text":"Okay.","start":138.84,"end":139.34,"sentiment":"neutral","sentiment_score":0.13302649557590485},{"text":"Alright.","start":139.48,"end":139.98,"sentiment":"neutral","sentiment_score":0.14955559372901917},{"text":"And have like, I guess, when did you sort of make the decision to to transition that way?","start":140.28,"end":148.005,"sentiment":"neutral","sentiment_score":0.11059186524815029}],"sentiment":"neutral","sentiment_score":0.11366178318858147,"channel":0,"num_words":20,"start":138.84,"end":148.005},{"sentences":[{"text":"I think early I think mid last month, mid July.","start":149.04,"end":152.5,"sentiment":"neutral","sentiment_score":0.08919589668512344}],"sentiment":"neutral","sentiment_score":0.08919589668512344,"channel":1,"num_words":10,"start":149.04,"end":152.5},{"sentences":[{"text":"Okay.","start":154.645,"end":155.125,"sentiment":"neutral","sentiment_score":0.2658115029335022},{"text":"So it it's it's been a quick turnaround for 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fund.","start":161.87,"end":172.19,"sentiment":"neutral","sentiment_score":0.11653642728924751},{"text":"It doesn't have to be, I guess, 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know.","start":752.2,"end":752.68,"sentiment":"neutral","sentiment_score":-0.11649179210265477},{"text":"I'm just trying to understand.","start":752.68,"end":753.82,"sentiment":"neutral","sentiment_score":-0.130809922516346}],"sentiment":"neutral","sentiment_score":0.02173805892975493,"channel":1,"num_words":44,"start":742.92,"end":753.82},{"sentences":[{"text":"No.","start":754.125,"end":754.365,"sentiment":"neutral","sentiment_score":-0.1821242868900299},{"text":"That's okay.","start":754.365,"end":754.925,"sentiment":"neutral","sentiment_score":-0.019788304343819618},{"text":"So it's so, basically, there's two components to it.","start":754.925,"end":757.645,"sentiment":"neutral","sentiment_score":0.1214204728603363},{"text":"There's the life insured and there's the owner.","start":757.645,"end":759.90497,"sentiment":"neutral","sentiment_score":0.08489624643698335},{"text":"So the SMSF fund becomes the owner, which means upon a claimable event happening to the self so to the life insured.","start":759.965,"end":767.63,"sentiment":"neutral","sentiment_score":0.1008882751180367}],"sentiment":"neutral","sentiment_score":0.08975703295852457,"channel":0,"num_words":42,"start":754.125,"end":767.63},{"sentences":[{"text":"So if anything happened to you as the insured person, the money gets paid to the SMSF fund.","start":767.63,"end":773.41003,"sentiment":"neutral","sentiment_score":0.09265240074859725},{"text":"And what that what happens from there is the SMSF fund can then distribute that that that money depending on what needs to happen.","start":773.87,"end":781.365,"sentiment":"neutral","sentiment_score":0.16582631195584932},{"text":"So if it's a life insurance benefit, the money gets paid through to the SMSF fund,","start":781.365,"end":786.105,"sentiment":"neutral","sentiment_score":0.11218465212732553}],"sentiment":"neutral","sentiment_score":0.12831946783538523,"channel":0,"num_words":58,"start":767.63,"end":786.105},{"sentences":[{"text":"Mhmm.","start":786.565,"end":787.065,"sentiment":"neutral","sentiment_score":0.08639442175626755}],"sentiment":"neutral","sentiment_score":0.08639442175626755,"channel":1,"num_words":1,"start":786.565,"end":787.065},{"sentences":[{"text":"and then as your as your your partner, your wife would be able to distribute that money to herself in accordance with the beneficiary details on the 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by","start":816.065,"end":820.76996,"sentiment":"neutral","sentiment_score":0.07150978648236819}],"sentiment":"neutral","sentiment_score":0.05326249077916145,"channel":0,"num_words":22,"start":813.905,"end":820.76996},{"sentences":[{"text":"Mhmm.","start":820.9125,"end":821.4125,"sentiment":"neutral","sentiment_score":0.02504752203822136}],"sentiment":"neutral","sentiment_score":0.02504752203822136,"channel":1,"num_words":1,"start":820.9125,"end":821.4125},{"sentences":[{"text":"the like like, where the SMSF fund pays for it, but I would need a few details to be able 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let's do this.","start":830.83997,"end":832.68,"sentiment":"neutral","sentiment_score":0.0804197071120143},{"text":"Let's let's go for me for now.","start":832.68,"end":835.33997,"sentiment":"neutral","sentiment_score":0.08016715997031756},{"text":"Meanwhile,","start":835.72,"end":836.22,"sentiment":"neutral","sentiment_score":0.08914771676063538}],"sentiment":"neutral","sentiment_score":0.08099972208340962,"channel":1,"num_words":12,"start":830.83997,"end":836.22},{"sentences":[{"text":"Yep.","start":835.815,"end":836.315,"sentiment":"neutral","sentiment_score":0.10896135866641998}],"sentiment":"neutral","sentiment_score":0.10896135866641998,"channel":0,"num_words":1,"start":835.815,"end":836.315},{"sentences":[{"text":"I will have a chat about with my accountant as well who's also get probably in the line of getting an insurance for me for this SMS 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so much.","start":858.23,"end":859.12994,"sentiment":"positive","sentiment_score":0.7415486375490824}],"sentiment":"positive","sentiment_score":0.7415486375490824,"channel":1,"num_words":3,"start":858.23,"end":859.12994},{"sentences":[{"text":"No, CJ.","start":859.43994,"end":860.25995,"sentiment":"neutral","sentiment_score":0.27200211584568024},{"text":"My pleasure.","start":860.39996,"end":860.95996,"sentiment":"positive","sentiment_score":0.5663950741291046},{"text":"Absolutely.","start":860.95996,"end":861.45996,"sentiment":"positive","sentiment_score":0.5883836150169373}],"sentiment":"positive","sentiment_score":0.45303559899330137,"channel":0,"num_words":5,"start":859.43994,"end":861.45996},{"sentences":[{"text":"Yeah.","start":861.99,"end":862.31,"sentiment":"positive","sentiment_score":0.36485427618026733},{"text":"No worries.","start":862.31,"end":862.70996,"sentiment":"neutral","sentiment_score":0.293914332985878},{"text":"And just send me an email whatever details you would need, and then I can share that with Malan as well.","start":862.70996,"end":867.68994,"sentiment":"neutral","sentiment_score":0.28921336503255934}],"sentiment":"neutral","sentiment_score":0.2927568169931571,"channel":1,"num_words":24,"start":861.99,"end":867.68994},{"sentences":[{"text":"Yes.","start":867.445,"end":867.945,"sentiment":"neutral","sentiment_score":0.12342212349176408}],"sentiment":"neutral","sentiment_score":0.12342212349176408,"channel":0,"num_words":1,"start":867.445,"end":867.945},{"sentences":[{"text":"Yeah.","start":868.14996,"end":868.64996,"sentiment":"neutral","sentiment_score":0.1065038964152336}],"sentiment":"neutral","sentiment_score":0.1065038964152336,"channel":1,"num_words":1,"start":868.14996,"end":868.64996},{"sentences":[{"text":"Yeah.","start":868.22095,"end":868.46094,"sentiment":"neutral","sentiment_score":0.10987728089094162},{"text":"I 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you.","start":875.62085,"end":876.3409,"sentiment":"positive","sentiment_score":0.5587845742702484},{"text":"Bye.","start":876.3409,"end":876.8409,"sentiment":"neutral","sentiment_score":0.3067619800567627}],"sentiment":"positive","sentiment_score":0.4722068707148234,"channel":1,"num_words":6,"start":874.9009,"end":876.8409},{"sentences":[{"text":"Bye.","start":876.941,"end":877.441,"sentiment":"neutral","sentiment_score":0.1973838806152344},{"text":"Bye.","start":877.58093,"end":878.08093,"sentiment":"neutral","sentiment_score":-0.1051490679383278}],"sentiment":"neutral","sentiment_score":0.0461174063384533,"channel":0,"num_words":2,"start":876.941,"end":878.08093}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and Neos discuss Liza's Neos policy in effect and the transfer of insurance to her SMSF fund. The transfer will be processed automatically and the customer will need to get insurance for the SMSF fund. The agent explains that transferring the policy to the SMSF fund is pending and offers to transfer it to the SMSF fund. The customer is concerned about transferring the policy to the SMSF account and asks about changing the premium for an insurance policy. The agent explains that the premium change will be through an individual to an SMS and the policy will be transferred to a new provider. The agent promises to send an email with more information and asks for some details to be provided."},"intents":{"segments":[{"text":"Before I jump into it, I do need to let you know that calls are recorded. And just to make sure that I'm obviously talking to who I think I am, if you are able to confirm, security, full name, date of birth, and address for me? Mhmm.","start_word":87,"end_word":134,"intents":[{"intent":"Confirm identity","confidence_score":0.3083505},{"intent":"Confirm identity","confidence_score":0.29542795}]},{"text":"Before I jump into it, I do need to let you know that calls are recorded. And just to make sure that I'm obviously talking to who I think I am, if you are able to confirm, security, full name, date of birth, and address for me? Mhmm. Yeah.","start_word":87,"end_word":135,"intents":[{"intent":"Discuss call recording","confidence_score":0.0010027711},{"intent":"Follow process","confidence_score":0.0003033471}]},{"text":"So we received a email from Neos that you had you'd emailed them Friday evening to cancel your Neos policy as you're intending on setting up an SMSF fund and rolling all of your funds over to the SMSF? That is right.","start_word":167,"end_word":208,"intents":[{"intent":"Organize ssf fund","confidence_score":0.000009474075}]},{"text":"And, like, your broker's confident that you're gonna be able to get all the applications and everything finalized before the time cutoff? Yes.","start_word":305,"end_word":327,"intents":[{"intent":"Finalize applications and finalize decision","confidence_score":0.08538066}]},{"text":"And have like, I guess, when did you sort of make the decision to to transition that way?","start_word":343,"end_word":360,"intents":[{"intent":"Make decision to transition","confidence_score":0.31253174}]},{"text":"With I guess with your NEOS policy, you do like, your NEOS policy could be transferred to your SMSF fund, then paid by your SMSF fund. It doesn't have to be, I guess, canceled. Mhmm.","start_word":386,"end_word":420,"intents":[{"intent":"Transfer policy to ssf fund","confidence_score":0.683927}]},{"text":"we could we could look into rewriting the policy. You know, obviously, have a look at have a look at where the policy sits to see whether Mhmm. there's anything on market and rewrite the policy to be paid for by your your SMSF fund and and kinda go from there.","start_word":449,"end_word":499,"intents":[{"intent":"Look into rewriting policy","confidence_score":0.005834363}]},{"text":"Anyways, I will have to get an insurance for the SMSF account as well. So anyway, I'm gonna get an insurance for that. So You mean, I you don't don't you don't have to get insurance?","start_word":544,"end_word":579,"intents":[{"intent":"Obtain insurance","confidence_score":0.029719904}]},{"text":"I think that's what this well, they didn't they didn't mention to them about any pending sales, but they did mention about the that that all of them have been completed, but I because I checked the allocations, I didn't see anything else other than cash. So even I'm not sure, but are you saying that there is something still pending for sales?","start_word":909,"end_word":971,"intents":[{"intent":"Discuss pending sales","confidence_score":0.17259745}]},{"text":"That should be okay. I think that should be fine.","start_word":1036,"end_word":1045,"intents":[{"intent":"Confirm understanding","confidence_score":0.06272469}]},{"text":"So that will take another couple of days, I believe. And then Yeah.","start_word":1046,"end_word":1058,"intents":[{"intent":"Clarify rescheduling process","confidence_score":0.000019792265}]},{"text":"But was it related to the payment of because the payment for this insurance has already been done.","start_word":1098,"end_word":1115,"intents":[{"intent":"Inquire about payment","confidence_score":0.028422318}]},{"text":"So there's I guess there's a couple of options moving forward because, like, we're the adviser that set up the Neos policy. We can continue to advise you on just the Neos policy.","start_word":1149,"end_word":1181,"intents":[{"intent":"Assist adviser on policy","confidence_score":0.00413974}]},{"text":"you know, make sure that the cover is still appropriate and go from there.","start_word":1199,"end_word":1212,"intents":[{"intent":"Reassure speaker about policy cover","confidence_score":1.165899e-7}]},{"text":"help you with transferring the policy over to your SMSF fund because it's a it's a transfer of memorandum. So it's it's a complete ownership transfer across. So there's a little bit of paperwork involved. Yep.","start_word":1240,"end_word":1275,"intents":[{"intent":"Transfer policy","confidence_score":0.6890791},{"intent":"Obtain assistance with transferring policy","confidence_score":0.0011175112},{"intent":"Assist with transferring policy","confidence_score":0.097191654}]},{"text":"we can continue servicing servicing this the insurance policy for you and Alright.","start_word":1510,"end_word":1522,"intents":[{"intent":"Continue servicing insurance policy","confidence_score":0.49816194}]},{"text":"seize the Netwealth account as well.","start_word":1545,"end_word":1550,"intents":[{"intent":"Seize netwealth account","confidence_score":0.78009975}]},{"text":"If you're wanting to definitely keep the policy, we can we can get that transferred.","start_word":1668,"end_word":1682,"intents":[{"intent":"Request and confirm policy transfer","confidence_score":0.0063672354}]},{"text":"I request the transfer, I I get it I'll get a quote at the same time, Okay.","start_word":1779,"end_word":1795,"intents":[{"intent":"Get a quote","confidence_score":0.03701439}]},{"text":"And I guess I wouldn't be doing my due diligence if I didn't at least ask. I guess, do you want me to have a look at possibly rewriting the policy to a brand new provider, see if there's anyone else on the market that may offer, like, a comparable pricing? Yeah.","start_word":1818,"end_word":1869,"intents":[{"intent":"Explore options","confidence_score":0.0012081257}]},{"text":"I mean, if if I find a cheaper place, then why not? But then, yeah, with the obviously, same level of covers, though, for sure.","start_word":1878,"end_word":1902,"intents":[{"intent":"Discuss insurance policy","confidence_score":0.086698525}]},{"text":"Before we do the paperwork, let's get a quote for it. And Yep.","start_word":1983,"end_word":1995,"intents":[{"intent":"Get a quote","confidence_score":0.19756623},{"intent":"Get a quote","confidence_score":0.5072897},{"intent":"Get a quote","confidence_score":0.023276923}]},{"text":"Well, I'll I'll get cracking and start reaching out, contacting Neos and and grabbing a few figures and go from there. Yeah.","start_word":2102,"end_word":2123,"intents":[{"intent":"Reach out","confidence_score":0.3306571},{"intent":"Obtain and contact neos","confidence_score":0.00042412287}]},{"text":"how does the policy work then? I mean, does it work individually for both of us, or does it work combined together for both of us, or does it work only in terms of the SMSF?","start_word":2181,"end_word":2216,"intents":[{"intent":"Understand policy structure","confidence_score":0.19710918}]},{"text":"So so and in that case, would both the beneficiaries have equal sort of cover with their insurance? This Mhmm.","start_word":2359,"end_word":2378,"intents":[{"intent":"Calculate coverage coverage","confidence_score":0.0019925484}]},{"text":"I will have a chat about with my accountant as well who's also get probably in the line of getting an insurance for me for this SMS account. So Mhmm.","start_word":2443,"end_word":2472,"intents":[{"intent":"Discuss with accountant","confidence_score":0.024463786}]},{"text":"let's do both, and then I'll I'll I will try to compare and see if I need to add or anything. Yeah.","start_word":2473,"end_word":2494,"intents":[{"intent":"Compare policies","confidence_score":0.028417261},{"intent":"Compare insurance","confidence_score":0.091400415}]}]},"sentiments":{"segments":[{"text":"Record your name and reason for calling. I'll see if this person is available. Larissa or Qfin Financial. Thanks. Please stay on the line. Hello? Hi. My name is Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":36,"sentiment":"neutral","sentiment_score":0.06720761209726334},{"text":"Good. Thanks, Liza.","start_word":37,"end_word":39,"sentiment":"positive","sentiment_score":0.431664764881134},{"text":"How are you? Yeah.","start_word":40,"end_word":43,"sentiment":"neutral","sentiment_score":0.253848135471344},{"text":"Really good. Thank you. That's good.","start_word":44,"end_word":49,"sentiment":"positive","sentiment_score":0.543990433216095},{"text":"Yeah. I was Yeah. just reaching out to you as we received an email from Neos this morning. Did you have a couple of minutes to have a chat with Yeah. me? Yeah. Yeah. Sure. Yeah.","start_word":50,"end_word":85,"sentiment":"neutral","sentiment_score":0.031458646059036255},{"text":"Amazing.","start_word":86,"end_word":86,"sentiment":"positive","sentiment_score":0.3585308790206909},{"text":"Before I jump into it, I do need to let you know that calls are recorded. And just to make sure that I'm obviously talking to who I think I am, if you are able to confirm, security, full name, date of birth, and address for me? Mhmm. Yeah. It is full name is Sujopanail. Date of birth is 07/20/1985. And email ID, you said? Yeah. Email or address. Either either way. Yeah. Email is Sujo.Panayil@Yahoo.co.in.","start_word":87,"end_word":162,"sentiment":"neutral","sentiment_score":0.025599978864192963},{"text":"Perfect.","start_word":163,"end_word":163,"sentiment":"positive","sentiment_score":0.34316956996917725},{"text":"Thanks, CJ. Okay. So we received a email from Neos that you had you'd emailed them Friday evening to cancel your Neos policy as you're intending on setting up an SMSF fund and rolling all of your funds over to the SMSF? That is right. Yes. Okay. Have you I guess, can I ask a bit of what has made you sort of pursue an SMSF fund? Yeah. So I am going to get some property on through that. So just buying some real estate through the SMS accounts and managing myself. Okay. Are you already under contract for a property under the SMSF Yes. Yes. fund? Well, yeah, I will see the process. So I've got the contact through, and we're getting it all sorted. Okay. Are you buying like, you bought residential property? Or Yes. Property. Yes. okay.","start_word":164,"end_word":303,"sentiment":"neutral","sentiment_score":-0.04477649554610253},{"text":"And, like, your broker's confident that you're gonna be able to get all the applications and everything finalized before the time cutoff?","start_word":304,"end_word":325,"sentiment":"positive","sentiment_score":0.41712236404418945},{"text":"Yes. So the contact is already in, so it it will be done before that. Okay. Alright. And have like, I guess, when did you sort of make the decision to to transition that way? I think early I think mid last month, mid July. Okay.","start_word":326,"end_word":371,"sentiment":"neutral","sentiment_score":0.13286955654621124},{"text":"So it it's it's been a quick turnaround for you.","start_word":372,"end_word":381,"sentiment":"positive","sentiment_score":0.3746853470802307},{"text":"Yeah. Yeah. Yeah. Okay. With I guess with your NEOS policy, you do like, your NEOS policy could be transferred to your SMSF fund, then paid by your SMSF fund. It doesn't have to be, I guess, canceled. Mhmm. Mhmm. Oh, I can guess that happen? yeah. Yeah. It definitely it can it can be transferred to be owned Okay. by your SMSF, or I guess Mhmm. we could we could look into rewriting the policy. You know, obviously, have a look at have a look at where the policy sits to see whether Mhmm. there's anything on market and rewrite the policy to be paid for by your your SMSF fund and and kinda go from there. I mean, the the choice is obviously yours. If you do choose to cancel the Mhmm. policy, you just have to understand that you won't have those benefits anymore. So if anything happened to you that, you know, you you're not insured personally? K. Anyways, I will have to get an insurance for the SMSF account as well. So anyway, I'm gonna get an insurance for that. So You mean, I you don't don't you don't have to get insurance? of course, You yeah, don't I don't have to, but, yeah, I will I will I will be doing that. yeah. Okay. Yeah. Good. Just No. No. to Cool. protect her. Yeah.","start_word":382,"end_word":611,"sentiment":"neutral","sentiment_score":0.02534528449177742},{"text":"Amazing.","start_word":612,"end_word":612,"sentiment":"positive","sentiment_score":0.4730680584907532},{"text":"And I so your Neos policy is obviously it it's in place right now. Currently, the policy currently, policy covers you for, like, life and total pump disability insurance. So it's it's sort of 1.4 of life and 1.4 of of total pamper disability. Yep. Yep. We we could transfer that to be paid by the SMSF fund. Obviously, like, as you're aware, the premiums are are, like, have have just been paid for the year. If canceled within thirty days of the renewal notice, generally, you get all of the funds back. If you wanna look at transferring it over to your SMSF fund, ultimately, you have, you know, twelve months to do so. I can see that your SMSF fund probably doesn't have any money in it at the moment, unless nothing that's come from Netwealth because all of your money is currently still in Netwealth. That is right. Yes. So the the rollover hasn't happened yet. So I'm even waiting for that as well from NetWell. Yeah. Hi. Generally speaking, SMSF fund will have to request the rollover directly from the self managed super fund. It can't be pushed from Netwealth to the SMSF. It has It was to already the requested. request has So to come. the process is already Okay. through. It was already requested, and it is in process. I spoke to somebody from just yesterday, and they said they've got my assets being sold. And then they put it all in cash, and they're just waiting for the final confirmation to get that through now. Yeah. Yeah. I can I can see majority of it sitting in cash already Yeah. ready Yeah. to Yeah. go? There's just a few assets still still pending Yeah. sale. That is right. I think that's what this well, they didn't they didn't mention to them about any pending sales, but they did mention about the that that all of them have been completed, but I because I checked the allocations, I didn't see anything else other than cash. So even I'm not sure, but are you saying that there is something still pending for sales? It it just looks like it's sort of like the back end settlement. So while everything might be like, might represent as sold, it just looks like there's there's sort of just the the final settlement of Right. trades still going through. Right. Right. Right. Right. Yeah. So it's just until that happens that it just it sort of won't transition out. So okay. Yeah.","start_word":613,"end_word":1035,"sentiment":"neutral","sentiment_score":-0.03532958885844154},{"text":"That should be okay. I think that should be fine.","start_word":1036,"end_word":1045,"sentiment":"positive","sentiment_score":0.4015927314758301},{"text":"So that will take another couple of days, I believe. And then Yeah. yeah. So that I think that was the the real process where the rollover was initiated by my accountant. So that was done. And just waiting for that rollover to happen and then get that money in the account. But was it related to the payment of because the payment for this insurance has already been done. And if I move it over, do I have to speak to somebody from Nuance again to get it moved over to the SMSF account if I need to continue the same insurance? So there's I guess there's a couple of options moving forward because, like, we're the adviser that set up the Neos policy. We can continue to advise you on just the Neos policy. So where we can sort of reach out to you once a year, just touch base, Mhmm. you know, make sure that the cover is still appropriate and go from there. We can you know, in in that instance, if you want us to keep, like, being the servicing adviser for that Neos policy, we can Mhmm. help you with transferring the policy over to your SMSF fund because it's a it's a transfer of memorandum. So it's it's a complete ownership transfer across. So there's a little bit of paperwork involved. Yep. Yep. Alternatively, if you want us to cease being your advisers completely and not have any engagement or contact moving forward, then what we can do is we can just leave it in your hands to contact Neos. Ultimately speaking, Neos, at the moment, their process is if they don't Mhmm. hear from either us or you by the August 10, they will cease the policy, Correct. and it Yes. will completely close, Yes. and they'll refund anything outstanding. Yes. Generally, that refund will go back to the account that paid for it to begin Yeah. with. Yeah. Which is back to Netwealth. I think they did mention this to me as well yesterday that and I got an email also about it, that they'll just wait until the August 10 if they don't get back, I think, and they'll close it. But since you gave me an idea of transferring it over to an SMSF, would you be assisting me to do that if I need to? Yeah. So, like I said, if you want us to continue advising on the policy, I'm Mhmm.","start_word":1046,"end_word":1459,"sentiment":"neutral","sentiment_score":0.02549188290745164},{"text":"more than happy to assist with that side.","start_word":1460,"end_word":1467,"sentiment":"positive","sentiment_score":0.5036619901657104},{"text":"Right. And what about any charges of fees? Is this a separate, like, a service for that, or No. is this part of the whole deal? It's it's part of everything. Like, we get insurance commissions on the insurance policy so Okay. we can continue servicing servicing this the insurance policy for you and Alright. with you. And without me continuing my relationship with Netwealth, because shortly after the rollover, I would plan to stop or Yes. seize the Netwealth account as well. No. That's that's understood, I guess, implied. No. Yeah. You would you would basically become an insurance only client. So we Oh, would just okay. advise Yeah. So you that also on happens insurance right away. only. Yeah. Right. Right. Yeah. Okay. Because I think, yeah, Neos did not advise me about this thing, but then if they are happy to move this all to the SMS SMS SMS fund count, then I'm okay Mhmm. to do that as well.","start_word":1468,"end_word":1630,"sentiment":"neutral","sentiment_score":0.02522053377577132},{"text":"I'm happy to do that as well. Okay. Perfect. I'll well, I can kick start that side of things, get the paperwork.","start_word":1631,"end_word":1652,"sentiment":"positive","sentiment_score":0.47415146231651306},{"text":"It takes a couple of days to come through from Neos. We obviously have time. If you're wanting to definitely keep the policy, we can we can get that transferred. What I can do is I will send you an What I can do is I will send you Mhmm. an email just requesting some of the SMSF details so that way I can prefill the form for you Yep. as much as possible before I send Yeah.","start_word":1653,"end_word":1730,"sentiment":"neutral","sentiment_score":0.13992740213871002},{"text":"That'll be great.","start_word":1731,"end_word":1733,"sentiment":"positive","sentiment_score":0.6390454173088074},{"text":"And just one more thing. So will the premium change over being from an individual to an SMS of a fund managed pre insurance? Will it it through. change? It it can change a little bit, but I never see it drastically change. When Okay. I request the transfer, I I get it I'll get a quote at the same time, Okay. and I'll email Yeah. that through to you so you have it all Yeah. so you can make an informed decision. Yeah. And I guess I wouldn't be doing my due diligence if I didn't at least ask. I guess, do you want me to have a look at possibly rewriting the policy to a brand new provider, see if there's anyone else on the market that may offer, like, a comparable pricing? Yeah. That'll be best. Of course. Why not? I mean, if if I find a cheaper place, then why not? But then, yeah, with the obviously, same level of covers, though, for sure. Yeah. Yeah. So you wanna keep it because it's currently 1,000,006 hun sorry. $1,465,065. So $1.04 $6.05 $0.06 5. Yeah. That is the permanent disability or the That's insurance? for both. That's That's that's a the board. amount for both of them. So life insurance is that much and total family disability is also the same amount. Okay. Okay. I think that is reasonable. So let's continue with that. Meanwhile, I'll let you do the paperwork rather okay. Let's do this. Before we do the paperwork, let's get a quote for it. And Yep. meanwhile, I'll talk to my accountant who's also wanting to help you with that. So let me get a quote from him as well and then try to see what suits best. Yeah. Absolutely. Yeah. Before you I'll before you proceed yeah. with the paperwork, I think that will be reasonable to just get quotes and find out rather than proceeding and then realize we don't want to. So Yeah. yeah. No. I can do that. Just double checking, like, nothing about your occupation's changed. Health is still still Yeah. good. Yeah. No issues on those fronts? No. Not at all. Good. Cool. Cool. Cool. Alright. Well, I'll I'll get cracking and start reaching out, contacting Neos and and grabbing a few figures and go from there.","start_word":1734,"end_word":2122,"sentiment":"neutral","sentiment_score":0.050910253728953},{"text":"Yeah. That'll be great.","start_word":2123,"end_word":2126,"sentiment":"positive","sentiment_score":0.5246190428733826},{"text":"And just one more thing, Clarissa. So the Yeah. the SMSF fund itself. So I am basically gonna be the trustee on that on that fund. So Yep. how does this insurance policy work? So because it's not just me. Even my partner would be a part of that same fund. So Yep. how does the policy work then? I mean, does it work individually for both of us, or does it work combined together for both of us, or does it work only in terms of the SMSF? I don't know. I'm just trying to understand. No. That's okay. So it's so, basically, there's two components to it. There's the life insured and there's the owner. So the SMSF fund becomes the owner, which means upon a claimable event happening to the self so to the life insured. So if anything happened to you as the insured person, the money gets paid to the SMSF fund. And what that what happens from there is the SMSF fund can then distribute that that that money depending on what needs to happen. So if it's a life insurance benefit, the money gets paid through to the SMSF fund, Mhmm. and then as your as your your partner, your wife would be able to distribute that money to herself in accordance with the beneficiary details on the fund. Okay. Okay. Yeah. That makes sense. So so and in that case, would both the beneficiaries have equal sort of cover with their insurance? This Mhmm. so this policy covers you and you only. I can look at a policy for your partner that could be covered by Mhmm. the like like, where the SMSF fund pays for it, but I would need a few details to be able to Oh, try and okay. write Okay. that. So let's do this. Let's let's go for me for now. Meanwhile, Yep. I will have a chat about with my accountant as well who's also get probably in the line of getting an insurance for me for this SMS account. So Mhmm. let's do both, and then I'll I'll I will try to compare and see if I need to add or anything. Yeah. Uh-huh. I can do that. I will Yeah. get cracking and have a look at it. Yeah. Alright.","start_word":2127,"end_word":2512,"sentiment":"neutral","sentiment_score":0.08523649291902625},{"text":"Cool. No Thank problem. you. Thank Alright. you so much.","start_word":2513,"end_word":2522,"sentiment":"positive","sentiment_score":0.5531908273696899},{"text":"No, CJ.","start_word":2523,"end_word":2524,"sentiment":"neutral","sentiment_score":0.28595778346061707},{"text":"My pleasure. Absolutely. Yeah.","start_word":2525,"end_word":2528,"sentiment":"positive","sentiment_score":0.5150162577629089},{"text":"No worries. And just send me an email whatever details you would need, and then I can share that with Malan as well. Yes. Yeah. Yeah. I will. Yeah.","start_word":2529,"end_word":2557,"sentiment":"neutral","sentiment_score":0.2469388097524643},{"text":"Cool. Thank you. Thank you so much, Lutsel. My pleasure. You have a great afternoon. Yeah. You too. Thank you.","start_word":2558,"end_word":2577,"sentiment":"positive","sentiment_score":0.7173292636871338},{"text":"Bye. Bye. Bye.","start_word":2578,"end_word":2580,"sentiment":"neutral","sentiment_score":0.22101321816444397}],"average":{"sentiment":"neutral","sentiment_score":0.06014059598883588}}}}