{"metadata":{"transaction_key":"deprecated","request_id":"019e5e14-b351-7c50-8ac1-8e75da909129","sha256":"feab29064bf461654a71fe03816dab5a7c699a05194aaf80f008802f4d826a11","created":"2026-05-25T07:41:17.274Z","duration":646.0559,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2128,"output_tokens":71},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2338,"output_tokens":2343},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2338,"output_tokens":180}},"results":{"channels":[{"alternatives":[{"transcript":"Hello. This is Veronica from Financial again. How are you? That's good. Is now a little bit better time or still a bit busy? Oh, perfect. Do do you have some time to to talk now? Or Yes. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. Correct. Yes. If that's fine okay. And just to confirm I am speaking with the right person, just for your security, could I just get you to confirm your full name, date of birth, and address, please. Yep. Beautiful. That's exactly what I have here. Now the reason for my call today is that I know that you have spoken to my colleague, Caden, and he mentioned that you are in the process of rolling over through a super for your superannuation. Is that correct? Yep. Have you already set up the account, or do you have a member number and everything, or are you just kind of in the process of doing that? Okay. And okay. So you've already set up the account, and it's just in the in the process of, And would you like us to do that rollover, assist you with that rollover, or have you already requested that through us super? Okay. Yep. Okay. No problem. And can I ask you as well just for feedback for the team why you have decided to leave, obviously, and go to our super? Just sorry if there's any feedback I can provide to the team at all. Okay. Just to see. Okay. Okay. And, so with the insurances, because that's obviously different to your super. So your your super was obviously with Netwealth, which you are now rolling through us super. So with your insurances, because you have underwritten cover with Zurich, are you getting new insurances with Osofa, or would you like to retain your Zurich insurance? Because that's, like, a different a different company, or what would you like to do with those? Okay. Yep. Mhmm. Okay. No. That is perfectly fine. It is completely up to you at the end of the day. Obviously, we would love for you for you to stay on and to to help you address all your goals moving forward and, you know, work together with the strategy on how to minimize fees and everything. But if you are, you know, wanting to do and you already have an account and everything and you would like to do that yourself, you are obviously more than welcome to do that. Is there anything that, like, I can do to to do research or anything else for you otherwise if you wanted to look at potentially staying on, or are you quite set on that you've already started the process? Yes. Okay. So I can give you a bit of a rundown what you have at the moment. So with Zurich, you have three policies. So you have life insurance. So that is, obviously, if something were to happen to you, you were to pass away. That's been left for your loved one. Now at the moment, you are covered for 876,488. So that is how much would be paid to your family if something were to happen at the moment. You then have total permanent disability. So that is if you are totally and permanently disabled and unable to ever go back to work again, that is the same amount. So 876,488 would then be paid out to you if something were to happen and you can never go back to work again. Does that make sense so far? Yeah. And then you also have an income protection policy. So the income protection is designed to pay you a monthly amount if you are temporarily unable to work. So if something were to happen and you can't work for a while, this will pay you a monthly income replacement. Now what you are covered for at the moment is a monthly amount of $6,186 on your income yes. Sorry. Per month. Correct. Now on the income protection as well, you have a thirty day waiting period, which means that you would have to wait thirty days before you could start claiming on the policy. Your benefit period, so how long you can, if you're eligible, receive that 6,186 per month is for up to five years. Correct. Okay. So would you so if something were to happen to you so, obviously, if you were to pass away or something were to happen and you can never work again, would your family be able to be okay without your income, that'll be okay? Okay. Yep. No. That's okay. I just wanted to make sure, obviously, if if we want if you if you don't wanna keep your insurances and you would like to cancel them, but you just understand the risks by doing it. So, obviously, you wouldn't have your live TP and IP if something were to happen to you. And because you have an older policy, it would also mean that if you decide down the track to change so if in a couple of years or whenever you decide to change, actually, and you want to look at cover again, you won't be able to get the same type of cover because they have seized them. So they're still covered there, but you can't get as good benefits as you have now because the the rules changed in 2021, so after your policy was taken out, just so that you are aware. Yep. Yep. Okay. No problem. So if there's nothing that I can do for you or or help you in if you are upset on obviously going through Australian super and cancel the insurances, I will let my colleague, Kaden, know who you spoke to last to kind of handle all the rollout process, and I will let him know that this is what you would like to do. And then he will kind of assist you with the forms and everything to get that sorted. And I will provide feedback obviously to the team as well that the the main reason or one of the reasons that you did decide to go to or super was mainly because the fees you felt was a bit too expensive and that you would like to manage it yourself. Is that correct? Yep. Perfect. Is there anything else that I can help you with or do for you? No. No. That is no problem. Now if anything does change in the future and you need advice in any areas or you do wanna look at cover or super anything in the future as well, just let us know, and we'll be more than happy to assist you as well. And, yeah, obviously, wish that we could have kept you on as a client, but at the end of the day, it is up to you. And if you, yeah. Okay. Yep. Yep. Yeah. Yeah. And and that is okay. And like I said, you have our contact details and email and everything. And if there ever changes anything in the future, just let us know, and I wish you all the best, obviously, with everything moving forward. And I will let my colleague, Kaden, know that this is what you would like to do, and he can pop it all in an email and then kind of talk you through the different steps on how to get that ball rolling for you. Okay. No problem at all. All the best, and, yeah, looks hopefully, it all goes well. No problem. Thank you so much. 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This is Veronica from Financial again. How are you? That's good. Is now a little bit better time or still a bit busy?\n\nOh, perfect. Do do you have some time to to talk now? Or Yes. Okay. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. Correct. Yes. If that's fine okay.\n\nAnd just to confirm I am speaking with the right person, just for your security, could I just get you to confirm your full name, date of birth, and address, please. Yep. Beautiful. That's exactly what I have here. Now the reason for my call today is that I know that you have spoken to my colleague, Caden, and he mentioned that you are in the process of rolling over through a super for your superannuation.\n\nIs that correct? Yep. Have you already set up the account, or do you have a member number and everything, or are you just kind of in the process of doing that? Okay. And okay.\n\nSo you've already set up the account, and it's just in the in the process of, And would you like us to do that rollover, assist you with that rollover, or have you already requested that through us super? Okay. Yep. Okay. No problem.\n\nAnd can I ask you as well just for feedback for the team why you have decided to leave, obviously, and go to our super? Just sorry if there's any feedback I can provide to the team at all. Okay. Just to see. Okay.\n\nOkay. And, so with the insurances, because that's obviously different to your super. So your your super was obviously with Netwealth, which you are now rolling through us super. So with your insurances, because you have underwritten cover with Zurich, are you getting new insurances with Osofa, or would you like to retain your Zurich insurance? Because that's, like, a different a different company, or what would you like to do with those?\n\nOkay. Yep. Mhmm. Okay. No.\n\nThat is perfectly fine. It is completely up to you at the end of the day. Obviously, we would love for you for you to stay on and to to help you address all your goals moving forward and, you know, work together with the strategy on how to minimize fees and everything. But if you are, you know, wanting to do and you already have an account and everything and you would like to do that yourself, you are obviously more than welcome to do that. Is there anything that, like, I can do to to do research or anything else for you otherwise if you wanted to look at potentially staying on, or are you quite set on that you've already started the process?\n\nYes. Okay. So I can give you a bit of a rundown what you have at the moment. So with Zurich, you have three policies. So you have life insurance.\n\nSo that is, obviously, if something were to happen to you, you were to pass away. That's been left for your loved one. Now at the moment, you are covered for 876,488. So that is how much would be paid to your family if something were to happen at the moment. You then have total permanent disability.\n\nSo that is if you are totally and permanently disabled and unable to ever go back to work again, that is the same amount. So 876,488 would then be paid out to you if something were to happen and you can never go back to work again. Does that make sense so far? Yeah. And then you also have an income protection policy.\n\nSo the income protection is designed to pay you a monthly amount if you are temporarily unable to work. So if something were to happen and you can't work for a while, this will pay you a monthly income replacement. Now what you are covered for at the moment is a monthly amount of $6,186 on your income yes. Sorry. Per month.\n\nCorrect. Now on the income protection as well, you have a thirty day waiting period, which means that you would have to wait thirty days before you could start claiming on the policy. Your benefit period, so how long you can, if you're eligible, receive that 6,186 per month is for up to five years. Correct. Okay.\n\nSo would you so if something were to happen to you so, obviously, if you were to pass away or something were to happen and you can never work again, would your family be able to be okay without your income, that'll be okay? Okay. Yep. No. That's okay.\n\nI just wanted to make sure, obviously, if if we want if you if you don't wanna keep your insurances and you would like to cancel them, but you just understand the risks by doing it. So, obviously, you wouldn't have your live TP and IP if something were to happen to you. And because you have an older policy, it would also mean that if you decide down the track to change so if in a couple of years or whenever you decide to change, actually, and you want to look at cover again, you won't be able to get the same type of cover because they have seized them. So they're still covered there, but you can't get as good benefits as you have now because the the rules changed in 2021, so after your policy was taken out, just so that you are aware. Yep.\n\nYep. Okay. No problem. So if there's nothing that I can do for you or or help you in if you are upset on obviously going through Australian super and cancel the insurances, I will let my colleague, Kaden, know who you spoke to last to kind of handle all the rollout process, and I will let him know that this is what you would like to do. And then he will kind of assist you with the forms and everything to get that sorted.\n\nAnd I will provide feedback obviously to the team as well that the the main reason or one of the reasons that you did decide to go to or super was mainly because the fees you felt was a bit too expensive and that you would like to manage it yourself. Is that correct? Yep. Perfect. Is there anything else that I can help you with or do for you?\n\nNo. No. That is no problem. Now if anything does change in the future and you need advice in any areas or you do wanna look at cover or super anything in the future as well, just let us know, and we'll be more than happy to assist you as well. And, yeah, obviously, wish that we could have kept you on as a client, but at the end of the day, it is up to you.\n\nAnd if you, yeah. Okay. Yep. Yep. Yeah.\n\nYeah. And and that is okay. And like I said, you have our contact details and email and everything. And if there ever changes anything in the future, just let us know, and I wish you all the best, obviously, with everything moving forward. And I will let my colleague, Kaden, know that this is what you would like to do, and he can pop it all in an email and then kind of talk you through the different steps on how to get that ball rolling for you.\n\nOkay. No problem at all. All the best, and, yeah, looks hopefully, it all goes well. No problem. Thank you so much.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.68,"sentiment":"neutral","sentiment_score":0.06460787355899811},{"text":"This is Veronica from Financial again.","start":1.68,"end":3.84,"sentiment":"neutral","sentiment_score":0.12288616970181465},{"text":"How are you?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.15943674246470133},{"text":"That's good.","start":6.8799996,"end":7.94,"sentiment":"positive","sentiment_score":0.4348621964454651},{"text":"Is now a little bit better time or still a bit busy?","start":8.0,"end":11.219999,"sentiment":"neutral","sentiment_score":0.04875988451143106}],"sentiment":"neutral","sentiment_score":0.1139615885913372,"num_words":24,"start":1.28,"end":11.219999},{"sentences":[{"text":"Oh, perfect.","start":12.975,"end":13.715,"sentiment":"neutral","sentiment_score":0.28276970982551575},{"text":"Do do you have some time to to talk now?","start":14.495001,"end":17.075,"sentiment":"neutral","sentiment_score":0.03715208675712347},{"text":"Or Yes.","start":17.135,"end":19.555,"sentiment":"neutral","sentiment_score":0.047264658845961094},{"text":"Okay.","start":20.735,"end":21.235,"sentiment":"neutral","sentiment_score":0.1671764850616455},{"text":"Perfect.","start":21.455,"end":21.955,"sentiment":"neutral","sentiment_score":0.26485300064086914}],"sentiment":"neutral","sentiment_score":0.09147619316354394,"num_words":16,"start":12.975,"end":21.955},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's 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please.","start":44.955,"end":65.65,"sentiment":"neutral","sentiment_score":0.03928858258070484},{"text":"Yep.","start":65.65,"end":66.049995,"sentiment":"neutral","sentiment_score":0.15050718188285828},{"text":"Beautiful.","start":66.049995,"end":66.549995,"sentiment":"positive","sentiment_score":0.41003066301345825},{"text":"That's exactly what I have here.","start":66.61,"end":68.63,"sentiment":"positive","sentiment_score":0.3424629767735799},{"text":"Now the reason for my call today is that I know that you have spoken to my colleague, Caden, and he mentioned that you are in the process of rolling over through a super for your superannuation.","start":69.895,"end":82.315,"sentiment":"neutral","sentiment_score":0.019488480344817444}],"sentiment":"neutral","sentiment_score":0.059925467609182784,"num_words":76,"start":44.955,"end":82.315},{"sentences":[{"text":"Is that correct?","start":82.695,"end":83.515,"sentiment":"neutral","sentiment_score":0.03559674757222334},{"text":"Yep.","start":84.62,"end":85.1,"sentiment":"neutral","sentiment_score":0.031006239354610443},{"text":"Have you already set up the account, or do you have a member number and everything, or are you just kind of in the process of doing that?","start":85.1,"end":91.84,"sentiment":"neutral","sentiment_score":0.015625225180493935},{"text":"Okay.","start":96.315,"end":96.475,"sentiment":"neutral","sentiment_score":0.010533842258155346},{"text":"And okay.","start":96.475,"end":105.835,"sentiment":"neutral","sentiment_score":0.01498438511043787}],"sentiment":"neutral","sentiment_score":0.017594439988689762,"num_words":35,"start":82.695,"end":105.835},{"sentences":[{"text":"So you've already set up the account, and it's just in the in the process of, And would you like us to do that rollover, assist you with that rollover, or have you already requested that through us 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that you've already started the process?","start":258.325,"end":270.22998,"sentiment":"neutral","sentiment_score":0.17596412020233962}],"sentiment":"positive","sentiment_score":0.4301225607179933,"num_words":126,"start":230.855,"end":270.22998},{"sentences":[{"text":"Yes.","start":282.225,"end":282.725,"sentiment":"neutral","sentiment_score":0.023579448461532593},{"text":"Okay.","start":282.945,"end":283.445,"sentiment":"neutral","sentiment_score":0.032858602702617645},{"text":"So I can give you a bit of a rundown what you have at the moment.","start":284.70502,"end":287.92502,"sentiment":"neutral","sentiment_score":0.05950816906988621},{"text":"So with Zurich, you have three policies.","start":288.385,"end":293.59,"sentiment":"neutral","sentiment_score":0.04618210292288235},{"text":"So you have life 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do.","start":511.74,"end":532.985,"sentiment":"neutral","sentiment_score":0.002986852661706507},{"text":"And then he will kind of assist you with the forms and everything to get that sorted.","start":533.045,"end":537.61005,"sentiment":"neutral","sentiment_score":0.14951999836108265}],"sentiment":"neutral","sentiment_score":0.033489551932057916,"num_words":85,"start":508.94,"end":537.61005},{"sentences":[{"text":"And I will provide feedback obviously to the team as well that the the main reason or one of the reasons that you did decide to go to or super was mainly because the fees you felt was a bit too expensive and that you would like to manage it yourself.","start":537.61005,"end":553.805,"sentiment":"neutral","sentiment_score":-0.02056741217772166},{"text":"Is that correct?","start":553.865,"end":554.685,"sentiment":"neutral","sentiment_score":0.06865169356266658},{"text":"Yep.","start":556.105,"end":556.505,"sentiment":"neutral","sentiment_score":0.23742547631263733},{"text":"Perfect.","start":556.505,"end":556.985,"sentiment":"positive","sentiment_score":0.5786960124969482},{"text":"Is there anything else that I can help you with or do for you?","start":556.985,"end":560.285,"sentiment":"neutral","sentiment_score":0.2713222290788378}],"sentiment":"neutral","sentiment_score":0.053880710793392995,"num_words":70,"start":537.61005,"end":560.285},{"sentences":[{"text":"No.","start":562.08,"end":562.58,"sentiment":"neutral","sentiment_score":-0.06446810811758041},{"text":"No.","start":565.76,"end":566.0,"sentiment":"neutral","sentiment_score":0.24063441157341003},{"text":"That is no problem.","start":566.0,"end":567.2,"sentiment":"neutral","sentiment_score":0.2643937021493912},{"text":"Now if anything does change in the future and you need advice in any areas or you do wanna look at cover or super anything in the future as well, just let us know, and we'll be more than happy to assist you as well.","start":567.2,"end":580.935,"sentiment":"neutral","sentiment_score":0.27687495566076703},{"text":"And, yeah, obviously, wish that we could have kept you on as a client, but at the end of the day, it is up to you.","start":580.935,"end":586.63495,"sentiment":"neutral","sentiment_score":0.21966997820597428}],"sentiment":"neutral","sentiment_score":0.2520069292226395,"num_words":77,"start":562.08,"end":586.63495},{"sentences":[{"text":"And if you, 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everything.","start":606.975,"end":610.415,"sentiment":"neutral","sentiment_score":0.2504946600932341},{"text":"And if there ever changes anything in the future, just let us know, and I wish you all the best, obviously, with everything moving forward.","start":610.415,"end":617.96,"sentiment":"positive","sentiment_score":0.4197870910167694},{"text":"And I will let my colleague, Kaden, know that this is what you would like to do, and he can pop it all in an email and then kind of talk you through the different steps on how to get that ball rolling for you.","start":618.42,"end":629.235,"sentiment":"positive","sentiment_score":0.3459448789556821}],"sentiment":"positive","sentiment_score":0.34432923936107185,"num_words":89,"start":605.21497,"end":629.235},{"sentences":[{"text":"Okay.","start":631.15497,"end":631.65497,"sentiment":"positive","sentiment_score":0.4369211792945862},{"text":"No problem at 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Yeah. I'm good. Thank you. Yeah. Yeah. I just arrived home. Yeah. Yeah. Yeah. I I have time to talk. Yeah. Did you say it's it's regarding my my finances, is it? Okay. Yeah. Alright. Yeah. That's fine. Thank you. Yeah. Yeah. It's Sifos Weah. Date of birth is the 10/30/1982, and it's Stankava Court, Maule, Westin, Australia 6062. Yeah. Yes. Yes. I've already set up a member number details. It's been it's been going on for, I think, few a few sometimes not yet. No. I haven't done the rollover yet, but I'll I would love to do that as well. Yeah. Yeah. I think the the the insurance is is too much. I'm not earning a lot. And on top of that, I'm paying 20% of what I earn, you know, at the end of the year. That is too much for me. That's almost like that's that's yeah. That's a lot of money going and that is not yeah. It's not so I felt like yeah. Assurance book got a a a very flexible option, so I thought that would be the that would be okay for me. Yeah. Yeah. Yes. Yeah. In regards to that, I think I just wanted to say do it myself because I was told that I'm not gonna be paying interest on that. Because now things are really not working well, and the inflation is quite a lot. Any money that I can save for myself by any means, it'll be good for me. Yes. Yeah. So yeah. No. The only thing I'd like to know is regarding the the the part that the insurance that I'm paying cover for. Is it just for yeah. Yeah. Okay. Yeah. Yep. Ten ten months. That's a temporary. Yeah. That those insurances, to be honest, I I don't think I need them. Yeah. Yeah. That'll be fine. Yeah. That'll be fine. Yeah. Yeah. Yeah. Yeah. No. No. I'm aware of that. That's that's fine. Yeah. Yeah. Alright. Yeah. Yeah. Yeah. Correct. Yeah. No. I think I think that's that should be fine. Thank you very much. I appreciate your time. No problem. Sure. Yeah. No. I I really wanted to stay on as well, but I've seen lots of things that are not not are really not happening for me at the time, and I'm kinda like I don't think I can maintain order what I decided to insure for. So that's the reason. That's one of the main reason. Yeah. Yep. Yep. Thank you. Alright. Thank you very much. I'll be That's Alright. Thank you. Thanks. Yeah. Bye bye. 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Yeah. I'm good. Thank you. Yeah.\n\nYeah. I just arrived home. Yeah. Yeah. Yeah.\n\nI I have time to talk. Yeah. Did you say it's it's regarding my my finances, is it? Okay. Yeah.\n\nAlright. Yeah. That's fine. Thank you. Yeah.\n\nYeah. It's Sifos Weah. Date of birth is the 10/30/1982, and it's Stankava Court, Maule, Westin, Australia 6062. Yeah. Yes.\n\nYes. I've already set up a member number details. It's been it's been going on for, I think, few a few sometimes not yet. No. I haven't done the rollover yet, but I'll I would love to do that as well.\n\nYeah. Yeah. I think the the the insurance is is too much. I'm not earning a lot. And on top of that, I'm paying 20% of what I earn, you know, at the end of the year.\n\nThat is too much for me. That's almost like that's that's yeah. That's a lot of money going and that is not yeah. It's not so I felt like yeah. Assurance book got a a a very flexible option, so I thought that would be the that would be okay for me.\n\nYeah. Yeah. Yes. Yeah. In regards to that, I think I just wanted to say do it myself because I was told that I'm not gonna be paying interest on that.\n\nBecause now things are really not working well, and the inflation is quite a lot. Any money that I can save for myself by any means, it'll be good for me. Yes. Yeah. So yeah.\n\nNo. The only thing I'd like to know is regarding the the the part that the insurance that I'm paying cover for. Is it just for yeah. Yeah. Okay.\n\nYeah. Yep. Ten ten months. That's a temporary. Yeah.\n\nThat those insurances, to be honest, I I don't think I need them. Yeah. Yeah. That'll be fine. Yeah.\n\nThat'll be fine. Yeah. Yeah. Yeah. Yeah.\n\nNo. No. I'm aware of that. That's that's fine. Yeah.\n\nYeah. Alright. Yeah. Yeah. Yeah.\n\nCorrect. Yeah. No. I think I think that's that should be fine. Thank you very much.\n\nI appreciate your time. No problem. Sure. Yeah. No.\n\nI I really wanted to stay on as well, but I've seen lots of things that are not not are really not happening for me at the time, and I'm kinda like I don't think I can maintain order what I decided to insure for. So that's the reason. That's one of the main reason. Yeah. Yep.\n\nYep. Thank you. Alright. Thank you very much. I'll be That's Alright.\n\nThank you. Thanks. Yeah. Bye bye. 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6062.","start":57.525,"end":65.33,"sentiment":"neutral","sentiment_score":0.021095776398267065},{"text":"Yeah.","start":72.205,"end":72.705,"sentiment":"neutral","sentiment_score":0.024468112736940384},{"text":"Yes.","start":83.564995,"end":84.064995,"sentiment":"neutral","sentiment_score":0.041744306683540344}],"sentiment":"neutral","sentiment_score":0.023314426932483912,"num_words":20,"start":55.925,"end":84.064995},{"sentences":[{"text":"Yes.","start":92.28,"end":92.76,"sentiment":"neutral","sentiment_score":0.019293028861284256},{"text":"I've already set up a member number details.","start":92.76,"end":95.740005,"sentiment":"neutral","sentiment_score":0.014337134314700961},{"text":"It's been it's been going on for, I think, few a few sometimes not yet.","start":97.4,"end":105.075,"sentiment":"neutral","sentiment_score":-0.031561045721173284},{"text":"No.","start":118.18,"end":118.58,"sentiment":"neutral","sentiment_score":-0.05505844205617905},{"text":"I haven't done the rollover yet, but I'll I would love to do that as well.","start":118.58,"end":122.74,"sentiment":"neutral","sentiment_score":0.28387056407518685}],"sentiment":"neutral","sentiment_score":0.10115719513922203,"num_words":41,"start":92.28,"end":122.74},{"sentences":[{"text":"Yeah.","start":122.74,"end":123.24,"sentiment":"neutral","sentiment_score":0.1365918517112732},{"text":"Yeah.","start":142.24,"end":142.48,"sentiment":"neutral","sentiment_score":-0.16477607190608978},{"text":"I think the the the insurance is is too much.","start":142.48,"end":146.72,"sentiment":"negative","sentiment_score":-0.47457997798919677},{"text":"I'm not earning a lot.","start":146.72,"end":148.18,"sentiment":"negative","sentiment_score":-0.5302433013916016},{"text":"And on top of that, I'm paying 20% of what I earn, you know, at the end of the year.","start":148.48,"end":153.7,"sentiment":"neutral","sentiment_score":-0.3076750963926315}],"sentiment":"negative","sentiment_score":-0.36699195769993037,"num_words":37,"start":122.74,"end":153.7},{"sentences":[{"text":"That is too much for me.","start":153.785,"end":154.905,"sentiment":"negative","sentiment_score":-0.6421375274658203},{"text":"That's almost like that's that's yeah.","start":154.905,"end":157.885,"sentiment":"negative","sentiment_score":-0.40803196032842},{"text":"That's a lot of money going and that is not yeah.","start":157.945,"end":160.745,"sentiment":"negative","sentiment_score":-0.4574161009355025},{"text":"It's not so I felt like yeah.","start":160.745,"end":163.485,"sentiment":"neutral","sentiment_score":-0.27005066190447125},{"text":"Assurance book got a a a very flexible option, so I thought that would be the that would be okay for me.","start":164.105,"end":170.84001,"sentiment":"neutral","sentiment_score":0.1522220584817908}],"sentiment":"neutral","sentiment_score":-0.1898858343036129,"num_words":52,"start":153.785,"end":170.84001},{"sentences":[{"text":"Yeah.","start":170.84001,"end":171.34001,"sentiment":"neutral","sentiment_score":0.07804682105779648},{"text":"Yeah.","start":179.08,"end":179.58,"sentiment":"neutral","sentiment_score":0.04625021666288376},{"text":"Yes.","start":186.185,"end":186.685,"sentiment":"neutral","sentiment_score":0.05691079795360565},{"text":"Yeah.","start":204.85,"end":205.33,"sentiment":"neutral","sentiment_score":-0.009771589189767838},{"text":"In regards to that, I think I just wanted to say do it myself because I was told that I'm not gonna be paying interest on that.","start":205.33,"end":219.64499,"sentiment":"neutral","sentiment_score":-0.169215625083005}],"sentiment":"neutral","sentiment_score":-0.1418511493792457,"num_words":31,"start":170.84001,"end":219.64499},{"sentences":[{"text":"Because now things are really not working well, and the inflation is quite a lot.","start":219.64499,"end":224.84499,"sentiment":"negative","sentiment_score":-0.37930184106032055},{"text":"Any money that I can save for myself by any means, it'll be good for me.","start":224.84499,"end":228.765,"sentiment":"neutral","sentiment_score":0.15946037555113435},{"text":"Yes.","start":228.765,"end":229.14,"sentiment":"neutral","sentiment_score":0.08507564663887024},{"text":"Yeah.","start":229.3,"end":229.62,"sentiment":"neutral","sentiment_score":0.10939817130565643},{"text":"So yeah.","start":229.62,"end":235.4,"sentiment":"neutral","sentiment_score":0.037350683473050594}],"sentiment":"neutral","sentiment_score":-0.0819710406341723,"num_words":35,"start":219.64499,"end":235.4},{"sentences":[{"text":"No.","start":268.72,"end":269.22,"sentiment":"neutral","sentiment_score":-0.043836452066898346},{"text":"The only thing I'd like to know is regarding the the the part that the insurance that I'm paying cover for.","start":269.615,"end":282.035,"sentiment":"neutral","sentiment_score":-0.09305945766114053},{"text":"Is it just for yeah.","start":282.495,"end":284.13,"sentiment":"neutral","sentiment_score":0.016534166783094405},{"text":"Yeah.","start":319.56,"end":320.06,"sentiment":"neutral","sentiment_score":-0.006899077445268631},{"text":"Okay.","start":343.37997,"end":343.87997,"sentiment":"neutral","sentiment_score":0.088118776679039}],"sentiment":"neutral","sentiment_score":-0.06324808723453818,"num_words":29,"start":268.72,"end":343.87997},{"sentences":[{"text":"Yeah.","start":346.02,"end":346.52,"sentiment":"neutral","sentiment_score":0.13628345727920532},{"text":"Yep.","start":347.06,"end":347.56,"sentiment":"neutral","sentiment_score":0.17597894370555878},{"text":"Ten ten months.","start":381.105,"end":386.725,"sentiment":"neutral","sentiment_score":0.012952687839667002},{"text":"That's a temporary.","start":421.735,"end":422.63498,"sentiment":"neutral","sentiment_score":-0.04305680717031161},{"text":"Yeah.","start":426.85,"end":427.35,"sentiment":"neutral","sentiment_score":-0.0422179214656353}],"sentiment":"neutral","sentiment_score":0.019970235725243885,"num_words":9,"start":346.02,"end":427.35},{"sentences":[{"text":"That those insurances, to be honest, I I don't think I need them.","start":429.73,"end":434.23,"sentiment":"neutral","sentiment_score":-0.29996849252627444},{"text":"Yeah.","start":435.495,"end":435.995,"sentiment":"neutral","sentiment_score":0.02032718062400818},{"text":"Yeah.","start":451.96,"end":452.28,"sentiment":"neutral","sentiment_score":0.019869770854711533},{"text":"That'll be fine.","start":452.28,"end":453.26,"sentiment":"neutral","sentiment_score":0.04597666362921397},{"text":"Yeah.","start":453.96,"end":454.46,"sentiment":"neutral","sentiment_score":0.07506628334522247}],"sentiment":"neutral","sentiment_score":-0.1919156409015781,"num_words":19,"start":429.73,"end":454.46},{"sentences":[{"text":"That'll be fine.","start":454.68,"end":455.63998,"sentiment":"neutral","sentiment_score":0.21775060892105103},{"text":"Yeah.","start":455.63998,"end":456.13998,"sentiment":"neutral","sentiment_score":0.11129389703273772},{"text":"Yeah.","start":487.32,"end":487.82,"sentiment":"neutral","sentiment_score":-0.0546606108546257},{"text":"Yeah.","start":496.48502,"end":496.98502,"sentiment":"neutral","sentiment_score":-0.16374942660331726},{"text":"Yeah.","start":506.885,"end":507.36502,"sentiment":"neutral","sentiment_score":-0.05070199072360992}],"sentiment":"neutral","sentiment_score":0.07077624223061971,"num_words":7,"start":454.68,"end":507.36502},{"sentences":[{"text":"No.","start":507.36502,"end":507.605,"sentiment":"neutral","sentiment_score":-0.13521192967891693},{"text":"No.","start":507.605,"end":507.845,"sentiment":"neutral","sentiment_score":-0.1285078525543213},{"text":"I'm aware of that.","start":507.845,"end":508.64502,"sentiment":"neutral","sentiment_score":-0.10899385344237089},{"text":"That's that's fine.","start":508.64502,"end":509.75998,"sentiment":"neutral","sentiment_score":0.0012346506118774414},{"text":"Yeah.","start":516.94,"end":517.44,"sentiment":"neutral","sentiment_score":-0.09001090377569199}],"sentiment":"neutral","sentiment_score":-0.07860021479427814,"num_words":10,"start":507.36502,"end":517.44},{"sentences":[{"text":"Yeah.","start":520.86,"end":521.36,"sentiment":"neutral","sentiment_score":-0.06969515979290009},{"text":"Alright.","start":529.565,"end":530.065,"sentiment":"neutral","sentiment_score":0.13914567232131958},{"text":"Yeah.","start":533.485,"end":533.985,"sentiment":"neutral","sentiment_score":0.12358063459396362},{"text":"Yeah.","start":538.72,"end":539.22,"sentiment":"neutral","sentiment_score":0.10848112404346466},{"text":"Yeah.","start":552.435,"end":552.935,"sentiment":"neutral","sentiment_score":-0.01813268661499023}],"sentiment":"neutral","sentiment_score":0.05667591691017151,"num_words":5,"start":520.86,"end":552.935},{"sentences":[{"text":"Correct.","start":555.155,"end":555.655,"sentiment":"neutral","sentiment_score":0.09328127652406693},{"text":"Yeah.","start":555.79504,"end":556.29504,"sentiment":"neutral","sentiment_score":0.12056000530719756},{"text":"No.","start":560.72003,"end":560.96,"sentiment":"neutral","sentiment_score":-0.013882063329219818},{"text":"I think I think that's that should be fine.","start":560.96,"end":562.96,"sentiment":"neutral","sentiment_score":0.015873808827665117},{"text":"Thank you very much.","start":562.96,"end":563.92004,"sentiment":"positive","sentiment_score":0.6179642677307129}],"sentiment":"neutral","sentiment_score":0.17591753555461764,"num_words":16,"start":555.155,"end":563.92004},{"sentences":[{"text":"I appreciate your time.","start":563.92004,"end":565.46,"sentiment":"positive","sentiment_score":0.5471612960100174},{"text":"No problem.","start":567.2,"end":567.86005,"sentiment":"neutral","sentiment_score":0.23971325159072876},{"text":"Sure.","start":576.605,"end":577.105,"sentiment":"positive","sentiment_score":0.3765888810157776},{"text":"Yeah.","start":586.97003,"end":587.29004,"sentiment":"neutral","sentiment_score":0.005569063127040863},{"text":"No.","start":587.29004,"end":587.61,"sentiment":"neutral","sentiment_score":-0.1080346703529358}],"sentiment":"neutral","sentiment_score":0.32691055122349,"num_words":9,"start":563.92004,"end":587.61},{"sentences":[{"text":"I I really wanted to stay on as well, but I've seen lots of things that are not not are really not happening for me at the time, and I'm kinda like I don't think I can maintain order what I decided to insure for.","start":587.61,"end":602.155,"sentiment":"neutral","sentiment_score":-0.18687270747290718},{"text":"So that's the reason.","start":602.155,"end":603.275,"sentiment":"neutral","sentiment_score":-0.0888478010892868},{"text":"That's one of the main reason.","start":603.275,"end":604.635,"sentiment":"neutral","sentiment_score":0.035318972542881966},{"text":"Yeah.","start":604.635,"end":605.135,"sentiment":"neutral","sentiment_score":0.1045418530702591},{"text":"Yep.","start":613.755,"end":614.255,"sentiment":"neutral","sentiment_score":0.2618660628795624}],"sentiment":"neutral","sentiment_score":-0.14362002262159398,"num_words":57,"start":587.61,"end":614.255},{"sentences":[{"text":"Yep.","start":618.49,"end":618.99,"sentiment":"neutral","sentiment_score":-0.0069291419349610806},{"text":"Thank you.","start":627.69,"end":628.51,"sentiment":"positive","sentiment_score":0.5555733442306519},{"text":"Alright.","start":629.835,"end":630.235,"sentiment":"positive","sentiment_score":0.5000545978546143},{"text":"Thank you very much.","start":630.235,"end":631.455,"sentiment":"positive","sentiment_score":0.7692041397094727},{"text":"I'll be That's Alright.","start":632.715,"end":638.47504,"sentiment":"positive","sentiment_score":0.46609052270650864}],"sentiment":"positive","sentiment_score":0.5454542328370735,"num_words":12,"start":618.49,"end":638.47504},{"sentences":[{"text":"Thank you.","start":638.47504,"end":639.195,"sentiment":"positive","sentiment_score":0.711100310087204},{"text":"Thanks.","start":639.195,"end":639.695,"sentiment":"positive","sentiment_score":0.6352901458740234},{"text":"Yeah.","start":641.675,"end":642.075,"sentiment":"positive","sentiment_score":0.3953947424888611},{"text":"Bye bye.","start":642.075,"end":642.815,"sentiment":"neutral","sentiment_score":0.23067430406808853},{"text":"Bye bye.","start":643.3609,"end":644.8209,"sentiment":"neutral","sentiment_score":0.008588835597038276}],"sentiment":"positive","sentiment_score":0.36642647348344326,"num_words":8,"start":638.47504,"end":644.8209}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hello. This is Veronica from Financial again. How are you?\n\nChannel 1: Yeah. I'm good. Thank you. Yeah.\n\nChannel 0: That's good. Is now a little bit better time or still\n\nChannel 1: Yeah.\n\nChannel 0: a bit busy?\n\nChannel 1: I just arrived home.\n\nChannel 0: Oh, perfect. Do do you have some time to to talk now? Or\n\nChannel 1: Yeah. Yeah. Yeah. I I have\n\nChannel 0: Yes.\n\nChannel 1: time to talk. Yeah.\n\nChannel 0: Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Did you say it's it's regarding my my finances, is it?\n\nChannel 0: Yes. Correct.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yes. If that's\n\nChannel 1: Alright.\n\nChannel 0: fine\n\nChannel 1: Yeah. That's fine. Thank you.\n\nChannel 0: okay. And just to confirm I am speaking with the right person, just for your security, could I just\n\nChannel 1: Yeah.\n\nChannel 0: get you to confirm your full name, date of birth, and address,\n\nChannel 1: Yeah. It's Sifos Weah. Date of birth is the 10/30/1982, and it's Stankava Court, Maule, Westin, Australia 6062.\n\nChannel 0: please. Yep. Beautiful. That's exactly what I have here. Now the reason for my call today is\n\nChannel 1: Yeah.\n\nChannel 0: that I know that you have spoken to my colleague, Caden, and he mentioned that you are in the process of rolling over through a super for your superannuation. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Have you already set up the account, or do you have a member number and everything, or are you just kind of in the process of doing that?\n\nChannel 1: Yes. I've already set up a member number details.\n\nChannel 0: Okay. And\n\nChannel 1: It's been it's been going on for, I think, few a few sometimes not yet.\n\nChannel 0: okay. So you've already set up the account, and it's just in the in the process of, And would you like us to do that rollover, assist you with that rollover, or have you already requested that through us super?\n\nChannel 1: No. I haven't done the rollover yet,\n\nChannel 0: Okay.\n\nChannel 1: but I'll I would love to do that as well. Yeah.\n\nChannel 0: Yep. Okay. No problem. And can I ask you as well just for feedback for the team why you have decided to leave, obviously, and go to our super? Just sorry if there's any feedback I can provide to the team at all.\n\nChannel 1: Yeah. I think the the the insurance is is too much. I'm not earning a lot. And\n\nChannel 0: Okay.\n\nChannel 1: on top of that, I'm paying 20% of what I earn, you know, at the end of the year. That is too much for me. That's almost like that's that's yeah. That's a lot of money going and that is not yeah. It's not so I felt like yeah.\n\nAssurance\n\nChannel 0: Just\n\nChannel 1: book\n\nChannel 0: to\n\nChannel 1: got\n\nChannel 0: see.\n\nChannel 1: a a a very flexible option, so I thought\n\nChannel 0: Okay.\n\nChannel 1: that would be the that would be okay for me. Yeah.\n\nChannel 0: Okay. And, so with the insurances, because that's obviously different to your super. So\n\nChannel 1: Yeah.\n\nChannel 0: your your super was obviously with Netwealth, which you are now rolling through us super.\n\nChannel 1: Yes.\n\nChannel 0: So with your insurances, because you have underwritten cover with Zurich, are you getting new insurances with Osofa, or would you like to retain your Zurich insurance? Because that's, like, a different a different company, or what would you like to do with those?\n\nChannel 1: Yeah. In regards to that, I think I just wanted to say do it myself because\n\nChannel 0: Okay.\n\nChannel 1: I was told that I'm not gonna be paying interest on that. Because now things are really not working well, and\n\nChannel 0: Yep.\n\nChannel 1: the inflation is quite a lot. Any money that I can save for myself by any means, it'll be good for me. Yes.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: No. That is perfectly fine. It is completely up to you at the end of the day. Obviously,\n\nChannel 1: yeah.\n\nChannel 0: we would love for you for you to stay on and to to help you address all your goals moving forward and, you know, work together with the strategy on how to minimize fees and everything. But if you are, you know, wanting to do and you already have an account and everything and you would like to do that yourself, you are obviously more than welcome to do that. Is there anything that, like, I can do to to do research or anything else for you otherwise if you wanted to look at potentially staying on, or are you quite set on that you've\n\nChannel 1: No.\n\nChannel 0: already started the\n\nChannel 1: The\n\nChannel 0: process?\n\nChannel 1: only thing I'd like to know is regarding the the the part that the insurance that I'm paying cover for.\n\nChannel 0: Yes.\n\nChannel 1: Is it just\n\nChannel 0: Okay.\n\nChannel 1: for yeah.\n\nChannel 0: So I can give you a bit of a rundown what you have at the moment. So with Zurich, you have three policies. So you have life insurance. So that is, obviously, if something were to happen to you, you were to pass away. That's been left for your loved one.\n\nNow at the moment, you are covered for 876,488. So that is how much would be paid to your family if something were to happen at the moment. You\n\nChannel 1: Yeah.\n\nChannel 0: then have total permanent disability. So that is if you are totally and permanently disabled and unable to ever go back to work again, that is the same amount. So 876,488 would then be paid out to you if something were to happen and you can never go back to work again. Does\n\nChannel 1: Okay.\n\nChannel 0: that make sense so far?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And then you also have an income protection policy. So the income protection is designed to pay you a monthly amount if you are temporarily unable to work. So if something were to happen and you can't work for a while, this will pay you a monthly income replacement. Now what you are covered for at the moment is a monthly amount of $6,186\n\nChannel 1: Ten\n\nChannel 0: on your income yes. Sorry.\n\nChannel 1: ten months.\n\nChannel 0: Per month. Correct. Now on the income protection as well, you have a thirty day waiting period, which means that you would have to wait thirty days before you could start claiming on the policy. Your benefit period, so how long you can, if you're eligible, receive that 6,186 per month is for up to five years.\n\nChannel 1: That's a temporary.\n\nChannel 0: Correct.\n\nChannel 1: Yeah. That those insurances, to be honest, I I don't think I need them.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So would you so if something were to happen to you so, obviously, if you were to pass away or something were to happen and you can never work again, would your family be able to be okay\n\nChannel 1: Yeah.\n\nChannel 0: without\n\nChannel 1: That'll\n\nChannel 0: your\n\nChannel 1: be\n\nChannel 0: income,\n\nChannel 1: fine.\n\nChannel 0: that'll be okay?\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: That'll be fine. Yeah.\n\nChannel 0: Yep. No. That's okay. I just wanted to make sure, obviously, if if we want if you if you don't wanna keep your insurances and you would like to cancel them, but you just understand the risks by doing it. So, obviously, you wouldn't have your live TP and IP if something were to happen to you.\n\nAnd because you have an older policy, it would also mean that if you decide down the track to change so if in a couple of years or whenever you decide to change, actually, and you\n\nChannel 1: Yeah.\n\nChannel 0: want to look at cover again, you won't be able to get the same type of cover because they have seized them. So they're still covered there, but you\n\nChannel 1: Yeah.\n\nChannel 0: can't get as good benefits as you have now because the the rules changed in 2021, so after your policy was taken out, just so that you are aware.\n\nChannel 1: Yeah. No. No. I'm aware of\n\nChannel 0: Yep.\n\nChannel 1: that. That's that's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Okay. No problem. So if there's nothing that I can do for you or or help you in if you are upset on\n\nChannel 1: Yeah.\n\nChannel 0: obviously going through Australian super and cancel the insurances,\n\nChannel 1: Yeah.\n\nChannel 0: I will let my colleague, Kaden, know who you spoke to last to kind of handle all the rollout process, and\n\nChannel 1: Alright.\n\nChannel 0: I will let him know that this is what you would like to do. And then he\n\nChannel 1: Yeah.\n\nChannel 0: will kind of assist you with the forms and everything to get that sorted. And I will\n\nChannel 1: Yeah.\n\nChannel 0: provide feedback obviously to the team as well that the the main reason or one of the reasons that you did decide to go to or super was mainly because the fees you felt was a bit too expensive and that you would like\n\nChannel 1: Yeah.\n\nChannel 0: to manage it yourself. Is that correct?\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Yep. Perfect. Is there anything else that I can help you with or do for you?\n\nChannel 1: No. I think I think that's that\n\nChannel 0: No.\n\nChannel 1: should be fine. Thank you very much. I appreciate your time.\n\nChannel 0: No. That is no problem.\n\nChannel 1: No\n\nChannel 0: Now\n\nChannel 1: problem.\n\nChannel 0: if anything does change in the future and you need advice in any areas or you do wanna look at cover or super anything in the future as well,\n\nChannel 1: Sure.\n\nChannel 0: just let us know, and we'll be more than happy to assist you as well. And, yeah, obviously, wish that we could have kept you on as a client, but at the end of the day, it is up to you.\n\nChannel 1: Yeah. No.\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: if you,\n\nChannel 1: I really wanted to stay\n\nChannel 0: yeah.\n\nChannel 1: on as well, but I've seen lots of things that are not not are really\n\nChannel 0: Okay.\n\nChannel 1: not happening for me at the time, and I'm\n\nChannel 0: Yep.\n\nChannel 1: kinda like I don't think I can maintain order what I\n\nChannel 0: Yep.\n\nChannel 1: decided to insure for. So that's the reason.\n\nChannel 0: Yeah.\n\nChannel 1: That's one of the main reason. Yeah.\n\nChannel 0: Yeah. And and that is okay. And like I said, you have our contact details and email and everything. And if there ever changes anything in the future, just\n\nChannel 1: Yep.\n\nChannel 0: let us know, and I wish you all the best, obviously, with everything moving forward. And\n\nChannel 1: Yep.\n\nChannel 0: I will let my colleague, Kaden, know that this is what you would like to do, and he can pop it all in an email and then kind of talk you through the different steps on how to get\n\nChannel 1: Thank\n\nChannel 0: that\n\nChannel 1: you.\n\nChannel 0: ball rolling for you.\n\nChannel 1: Alright. Thank you very much.\n\nChannel 0: Okay. No problem\n\nChannel 1: I'll be\n\nChannel 0: at all. All the best, and, yeah, looks\n\nChannel 1: That's\n\nChannel 0: hopefully, it all goes well.\n\nChannel 1: Alright. Thank you. Thanks.\n\nChannel 0: No problem. Thank you so much.\n\nChannel 1: Yeah. Bye bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.02135435491800308}],"sentiment":"neutral","sentiment_score":0.02135435491800308,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hello.","start":1.28,"end":1.68,"sentiment":"neutral","sentiment_score":0.06460787355899811},{"text":"This is Veronica from Financial again.","start":1.68,"end":3.84,"sentiment":"neutral","sentiment_score":0.12288616970181465},{"text":"How are you?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.15943674246470133}],"sentiment":"neutral","sentiment_score":0.128023511916399,"channel":0,"num_words":10,"start":1.28,"end":4.66},{"sentences":[{"text":"Yeah.","start":4.96,"end":5.2,"sentiment":"positive","sentiment_score":0.34115517139434814},{"text":"I'm 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few a few sometimes not yet.","start":97.4,"end":105.075,"sentiment":"neutral","sentiment_score":-0.031561045721173284}],"sentiment":"neutral","sentiment_score":-0.031561045721173284,"channel":1,"num_words":15,"start":97.4,"end":105.075},{"sentences":[{"text":"okay.","start":105.515,"end":105.835,"sentiment":"neutral","sentiment_score":0.03114708699285984},{"text":"So you've already set up the account, and it's just in the in the process of, And would you like us to do that rollover, assist you with that rollover, or have you already requested that through us super?","start":105.835,"end":117.31,"sentiment":"neutral","sentiment_score":0.015534277312839642}],"sentiment":"neutral","sentiment_score":0.015924597554840148,"channel":0,"num_words":40,"start":105.515,"end":117.31},{"sentences":[{"text":"No.","start":118.18,"end":118.58,"sentiment":"neutral","sentiment_score":-0.05505844205617905},{"text":"I haven't done the rollover 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a a very flexible option, so I thought","start":165.145,"end":168.505,"sentiment":"neutral","sentiment_score":0.17239226566420662}],"sentiment":"neutral","sentiment_score":0.17239226566420662,"channel":1,"num_words":9,"start":165.145,"end":168.505},{"sentences":[{"text":"Okay.","start":168.45,"end":168.95,"sentiment":"neutral","sentiment_score":0.1958954632282257}],"sentiment":"neutral","sentiment_score":0.1958954632282257,"channel":0,"num_words":1,"start":168.45,"end":168.95},{"sentences":[{"text":"that would be the that would be okay for 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And I will Yeah.","start_word":1351,"end_word":1368,"intents":[{"intent":"Assist with forms and forms","confidence_score":0.2654025}]},{"text":"provide feedback obviously to the team as well that the the main reason or one of the reasons that you did decide to go to or super was mainly because the fees you felt was a bit too expensive and that you would like Yeah.","start_word":1369,"end_word":1413,"intents":[{"intent":"Provide feedback and assistance","confidence_score":0.00032399158}]},{"text":"Is there anything else that I can help you with or do for you? No. I think I think that's No. that should be fine. Thank you very much. I appreciate your time. No. That is no problem. Now No problem. if anything does change in the future and you need advice in any areas or you do wanna look at cover or super anything in the future as well, Sure.","start_word":1425,"end_word":1495,"intents":[{"intent":"Offer advice and assistance","confidence_score":0.004791022}]},{"text":"not happening for me at the time, and I'm Yep. kinda like I don't think I can maintain order what I Yep. decided to insure for. So that's the reason. Yeah.","start_word":1565,"end_word":1595,"intents":[{"intent":"Maintain order and provide information","confidence_score":0.0018315503}]},{"text":"let us know, and I wish you all the best, obviously, with everything moving forward. And Yep.","start_word":1633,"end_word":1649,"intents":[{"intent":"Wish for good luck","confidence_score":0.012794185}]}]},"sentiments":{"segments":[{"text":"Hello? Hello. This is Veronica from Financial again. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.1124800741672516},{"text":"Yeah. I'm good. Thank you. Yeah. That's good.","start_word":11,"end_word":18,"sentiment":"positive","sentiment_score":0.4927630126476288},{"text":"Is now a little bit better time or still a Yeah. bit busy? I just arrived home. Oh, perfect. Do do you have some time to to talk now? Or Yeah. Yeah. Yeah. I I have Yes. time to talk. Yeah. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Did you say it's it's regarding my my finances, is it? Yes. Correct. Okay. Yeah. Yes. If that's Alright. fine Yeah. That's fine.","start_word":19,"end_word":113,"sentiment":"neutral","sentiment_score":0.05548615753650665},{"text":"Thank you.","start_word":114,"end_word":115,"sentiment":"positive","sentiment_score":0.3574768304824829},{"text":"okay. And just to confirm I am speaking with the right person, just for your security, could I just Yeah. get you to confirm your full name, date of birth, and address, Yeah. It's Sifos Weah. Date of birth is the 10/30/1982, and it's Stankava Court, Maule, Westin, Australia 6062. please. Yep.","start_word":116,"end_word":167,"sentiment":"neutral","sentiment_score":0.03641921281814575},{"text":"Beautiful. That's exactly what I have here.","start_word":168,"end_word":174,"sentiment":"positive","sentiment_score":0.3569975793361664},{"text":"Now the reason for my call today is Yeah. that I know that you have spoken to my colleague, Caden, and he mentioned that you are in the process of rolling over through a super for your superannuation. Is that correct? Yes. Yep. Have you already set up the account, or do you have a member number and everything, or are you just kind of in the process of doing that? Yes. I've already set up a member number details. Okay. And It's been it's been going on for, I think, few a few sometimes not yet. okay. So you've already set up the account, and it's just in the in the process of, And would you like us to do that rollover, assist you with that rollover, or have you already requested that through us super? No. I haven't done the rollover yet, Okay.","start_word":175,"end_word":319,"sentiment":"neutral","sentiment_score":0.009817636385560036},{"text":"but I'll I would love to do that as well.","start_word":320,"end_word":329,"sentiment":"positive","sentiment_score":0.46960288286209106},{"text":"Yeah. Yep. Okay. No problem. And can I ask you as well just for feedback for the team why you have decided to leave, obviously, and go to our super? Just sorry if there's any feedback I can provide to the team at all. Yeah.","start_word":330,"end_word":374,"sentiment":"neutral","sentiment_score":0.05398675426840782},{"text":"I think the the the insurance is is too much. I'm not earning a lot.","start_word":375,"end_word":389,"sentiment":"negative","sentiment_score":-0.49743887782096863},{"text":"And Okay. on top of that, I'm paying 20% of what I earn, you know, at the end of the year.","start_word":390,"end_word":410,"sentiment":"neutral","sentiment_score":-0.30594098567962646},{"text":"That is too much for me. That's almost like that's that's yeah. That's a lot of money going and that is not yeah.","start_word":411,"end_word":433,"sentiment":"negative","sentiment_score":-0.4795631468296051},{"text":"It's not so I felt like yeah. Assurance Just book to got see. a a a very flexible option, so I thought Okay. that would be the that would be okay for me. Yeah. Okay. And, so with the insurances, because that's obviously different to your super. So Yeah. your your super was obviously with Netwealth, which you are now rolling through us super. Yes. So with your insurances, because you have underwritten cover with Zurich, are you getting new insurances with Osofa, or would you like to retain your Zurich insurance? Because that's, like, a different a different company, or what would you like to do with those? Yeah. In regards to that, I think I just wanted to say do it myself because Okay. I was told that I'm not gonna be paying interest on that.","start_word":434,"end_word":571,"sentiment":"neutral","sentiment_score":-0.00481920363381505},{"text":"Because now things are really not working well, and Yep.","start_word":572,"end_word":581,"sentiment":"negative","sentiment_score":-0.37367427349090576},{"text":"the inflation is quite a lot. Any money that I can save for myself by any means, it'll be good for me. Yes. Mhmm. Yeah. Okay. So No. That is perfectly fine. It is completely up to you at the end of the day. Obviously, yeah.","start_word":582,"end_word":627,"sentiment":"neutral","sentiment_score":0.1250845491886139},{"text":"we would love for you for you to stay on and to to help you address all your goals moving forward and, you know, work together with the strategy on how to minimize fees and everything. But if you are, you know, wanting to do and you already have an account and everything and you would like to do that yourself, you are obviously more than welcome to do that.","start_word":628,"end_word":697,"sentiment":"positive","sentiment_score":0.5971567034721375},{"text":"Is there anything that, like, I can do to to do research or anything else for you otherwise if you wanted to look at potentially staying on, or are you quite set on that you've No. already started the The process? only thing I'd like to know is regarding the the the part that the insurance that I'm paying cover for. Yes. Is it just Okay. for yeah. So I can give you a bit of a rundown what you have at the moment. So with Zurich, you have three policies. So you have life insurance. So that is, obviously, if something were to happen to you, you were to pass away. That's been left for your loved one. Now at the moment, you are covered for 876,488. So that is how much would be paid to your family if something were to happen at the moment. You Yeah. then have total permanent disability. So that is if you are totally and permanently disabled and unable to ever go back to work again, that is the same amount. So 876,488 would then be paid out to you if something were to happen and you can never go back to work again. Does Okay. that make sense so far? Yeah. Yeah. Yep. And then you also have an income protection policy. So the income protection is designed to pay you a monthly amount if you are temporarily unable to work. So if something were to happen and you can't work for a while, this will pay you a monthly income replacement. Now what you are covered for at the moment is a monthly amount of $6,186 Ten on your income yes. Sorry. ten months. Per month. Correct. Now on the income protection as well, you have a thirty day waiting period, which means that you would have to wait thirty days before you could start claiming on the policy. Your benefit period, so how long you can, if you're eligible, receive that 6,186 per month is for up to five years. That's a temporary. Correct. Yeah. That those insurances, to be honest, I I don't think I need them. Okay. Yeah. So would you so if something were to happen to you so, obviously, if you were to pass away or something were to happen and you can never work again, would your family be able to be okay Yeah. without That'll your be income, fine. that'll be okay? Yeah. Okay. That'll be fine. Yeah. Yep. No. That's okay. I just wanted to make sure, obviously, if if we want if you if you don't wanna keep your insurances and you would like to cancel them, but you just understand the risks by doing it. So, obviously, you wouldn't have your live TP and IP if something were to happen to you. And because you have an older policy, it would also mean that if you decide down the track to change so if in a couple of years or whenever you decide to change, actually, and you Yeah. want to look at cover again, you won't be able to get the same type of cover because they have seized them. So they're still covered there, but you Yeah. can't get as good benefits as you have now because the the rules changed in 2021, so after your policy was taken out, just so that you are aware. Yeah. No. No. I'm aware of Yep. that. That's that's Yep. fine. Okay. No problem. So if there's nothing that I can do for you or or help you in if you are upset on obviously Yeah. going through Australian super and cancel the insurances, Yeah. I will let my colleague, Kaden, know who you spoke to last to kind of handle all the rollout process, and Alright. I will let him know that this is what you would like to do. And then he Yeah. will kind of assist you with the forms and everything to get that sorted. And I will Yeah. provide feedback obviously to the team as well that the the main reason or one of the reasons that you did decide to go to or super was mainly because the fees you felt was a bit too expensive and that you would like Yeah. to manage it yourself. Is that correct? Correct. Yeah. Yep.","start_word":698,"end_word":1423,"sentiment":"neutral","sentiment_score":-0.014423391815100491},{"text":"Perfect.","start_word":1424,"end_word":1424,"sentiment":"positive","sentiment_score":0.5786960124969482},{"text":"Is there anything else that I can help you with or do for you? No. I think I think that's No. that should be fine.","start_word":1425,"end_word":1449,"sentiment":"neutral","sentiment_score":0.13626261055469513},{"text":"Thank you very much. I appreciate your time.","start_word":1450,"end_word":1457,"sentiment":"positive","sentiment_score":0.581911027431488},{"text":"No. That is no problem. Now No problem. if anything does change in the future and you need advice in any areas or you do wanna look at cover or super anything in the future as well, Sure.","start_word":1458,"end_word":1495,"sentiment":"neutral","sentiment_score":0.17462818324565887},{"text":"just let us know, and we'll be more than happy to assist you as well.","start_word":1496,"end_word":1510,"sentiment":"positive","sentiment_score":0.5466507077217102},{"text":"And, yeah, obviously, wish that we could have kept you on as a client, but at the end of the day, it is up to you. Yeah. No. And I if you, I really wanted to stay yeah. on as well, but I've seen lots of things that are not not are really Okay. not happening for me at the time, and I'm Yep. kinda like I don't think I can maintain order what I Yep. decided to insure for. So that's the reason. Yeah. That's one of the main reason. Yeah. Yeah. And and that is okay. And like I said, you have our contact details and email and everything. And if there ever changes anything in the future, just Yep.","start_word":1511,"end_word":1632,"sentiment":"neutral","sentiment_score":0.022505449131131172},{"text":"let us know, and I wish you all the best, obviously, with everything moving forward.","start_word":1633,"end_word":1647,"sentiment":"positive","sentiment_score":0.5389893651008606},{"text":"And Yep.","start_word":1648,"end_word":1649,"sentiment":"neutral","sentiment_score":0.13799920678138733},{"text":"I will let my colleague, Kaden, know that this is what you would like to do, and he can pop it all in an email and then kind of talk you through the different steps on how to get Thank that you. ball rolling for you. Alright. Thank you very much. Okay. No problem I'll be at all. All the best, and, yeah, looks That's hopefully, it all goes well. Alright. Thank you. Thanks. No problem. Thank you so much. Yeah.","start_word":1650,"end_word":1730,"sentiment":"positive","sentiment_score":0.45860347151756287},{"text":"Bye bye. Bye. Bye bye.","start_word":1731,"end_word":1735,"sentiment":"neutral","sentiment_score":0.19634710252285004}],"average":{"sentiment":"neutral","sentiment_score":0.05591059972524541}}}}