{"metadata":{"transaction_key":"deprecated","request_id":"019dfbf3-9a45-7171-930a-74616e4a975f","sha256":"9cf27bb5b04f5a2208b86a0b5fd3be46d8f87870cda4108d81b61f873c39681d","created":"2026-05-06T06:22:22.712Z","duration":1071.72,"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":4012,"output_tokens":108},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4520,"output_tokens":4529},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4520,"output_tokens":290}},"results":{"channels":[{"alternatives":[{"transcript":"Jason, it's Tommy here, senior adviser from IQ. How are you going, sir? Right. Living the dream. Absolutely living the dream. Right. I'm just giving you a call to go through that that advice piece I'm sending through to you. Do you have a bit of time now for me? Cool. Now I'm gonna pop it through to your email. Will you be able to look onto the document with me, or do you want me to just walk you through it? No worries at all, sir. I'll go over the key points, and then if you can just kind of read over it in your own time and call back with any questions, that'd be fabulous. Awesome. Now just usual, the calls are recorded for training quality purposes. And for security, do you remember your client password, Jason? Sorry. Cut out there for a second. I was just after your password. That's the one. Thank you so much, mate. Appreciate it. So I'm just popping this through to your y seven mail. Now just to sort of let you know what's coming, it's got a statement of advice there, insurance quotes for that life insurance, as well as just supporting documentation. There's an appendix there. There's an updated service guide, all that kind of thing. Yep. Gotcha. Sorry about that, mate. I've popped that through to you. It's got all those documents there. Now couple of quick things that I wanna just run through with you as well. So that advice document, we were doing two main things. We were just doing a quick update to your portfolio for the super, because if you remember, there was we were a bit alarmed by the volatility given that your balance growth, and we were trying to get a bit of a fix for that. Does that ring a bell? Yep. And then there was just that life insurance to add on with your TPD. Perfect. So I'm just gonna bring up the updated document there. Now with the portfolio update so I found the issue with the volatility was that one Australian shares option that was underperforming. Its volatility compared to every other Australian shares option was about 10 times as much as we would expect. All the rest of your investments were pretty well fine. So what I've basically done, if you recall, we had a quick chat to make sure that we kept you in some low fee index funds, which were a little bit more straightforward, a little bit less volatility. The the option that I've found is pretty much like a 90% reduction in the risk for that option, much better performance, much lower fees. Combined with all the rest of it, it pretty well fixes the issue for you. Cool. Now when it comes to the life insurance, I had to do a little bit of wizardry, and you'll have to forgive me for this. We were putting together life insurance, and I double checked with Tao. And Tao, we're doing this weird thing where because you've already got TPD insurance. In order to add the life insurance on, they do something called a cancel and replace, which resets both policies. Now the problem with that is that both policies go through full underwriting again. Now when they go through full underwriting again, it means that there's a risk of your TPD insurance copying, like, a loading or an additional exclusion from anything that shows up for the life insurance application, which I didn't wanna do. Now I've actually found an insurer, a separate one, who is gonna offer you the life insurance with basically 90% chance of it not having a loading on it, and it won't impact your your existing TPD cover, if that makes sense. Now it's actually even sort of more affordable than the other one as well. So premiums are much lower like for like. It's the same kind of 750,000 that equals your your TPD insurance. It just does mean that you're gonna be going kind of with two different insurers, but we can handle that for you. So in terms of when we do a review, we get all your certificates of currency to package up for you. If you ever go on a claim, we can help you with the claims whichever type of policy it is. Okay? Any sort of questions or thoughts or queries on that to begin with? Correct. So that's total and permanent disability. And what that basically does is if you're never able to work again, you're in a car accident, but you're still here, there's a lump sum there of close to 750,000, pay off the mortgage, let you live off of it, that kind of thing. Correct. So that's kind of like a sister policy there. One covers you for death. One covers you for disability. The other one doesn't do disability. It only does the life part portion. They kind of go hand in hand. And there is a possibility that let's say I have actually seen this happen before. If you're in a car accident and you're declared TBD, totally disabled, then you get your lump sum from that cover. And then if you pass away afterwards, you get your life insurance on top of that, and it's a bit of a double double claim for your family. Alright. I'm gonna bring up so the quote for your life insurance is only about after the rebate, 1,082. So that's pretty good. Just bear with me for a moment. I'm gonna pull up your towel policy, if that's okay. It'll only take me about four seconds. Here we go. Tow COC. K. Yeah. Tau is the big one. So Tau is 3,600. You're thinking go without TPD at all and just have life insurance only? K? Don't want me to do any of it. Sure. Yeah. And I did have a little bit of a quick check back on the old archive, and I think there was a bit of a note there that we were trying to line up life insurance when you purchased a property or something like that. But if you don't want the policy, mate, no one's gonna force you to keep it as long as you understand the risks of not having that type of cover. That's all. Do I have that cover? Yeah. I'm one of those ones where out of the four insurances, life, TPD, income protection, and trauma, I've got my life and TPD to cover the mortgage for the fam. That's my main thing. It is you're exactly right. It's gonna get more expensive. And because it's step premiums and with age and everything, that'll be 4,000, then 5,000, and in ten years' time, it'll be 10,000. And the whole idea is that once you've got like, a mortgage, you build up your super, you pay off the debt, you don't need the insurance, you can reduce it down. So it is a bit of a juggling act, and that's part of what we do is we go, okay. What impact is this having on your super? Are you still actually gonna hit your goal? And if not, do we reduce it? Do we chop around? All that kind of thing. I still honestly, like, know full transparency. Tal's given you the best deal in terms of the TPD underwriting side of things, but the premiums, they're just gonna get bigger and bigger. We usually put a bit of a cap where we say, okay. If it's below 30% of your contributions, we should still be able to get enough growth and contributions to get you to your goal and keep reducing it down from there. So I can do reduction quotes. I can cancel. Up to you on that one. I can do some updated projections to sort of see how you're looking, and if we can kind of juggle it for a few years and just slowly reduce it down over five years or something like that. Thoughts? Yeah. It's not chump change. Yeah. And it's not like those monthly premiums where it spreads it out over the year. If you have the market dip and then that premium come out, it takes a lot longer to kind of regain that when the market goes back up. Yeah. And it's one of those things that I've gotta be like, again, full transparency. When you hit your fifties, TPD and income protections start to skyrocket the most. Life insurance is okay to maintain for quite a while, but if you were 30, that TPD insurance would be like $900. And it does not get prettier through your fifties. K. So if you're comfortable with that, I'll do a quick amendment to the document that I'm sending out to you. I can even update the projection so you can kind of see. We do include an insurance impact table, so you can see how big of an impact it's having. And if you're comfortable with that, mate, we can help you cancel that one and go through just that application for the life insurance instead. Yes. An even mil. That's an extra third on top, a thousand and 82, an extra couple $100. Yep. Altogether. K. Let me have a quick look. I'm just got your fact find in front of me there. Yeah. Look. One of those things was the the idea of purchasing a property, and you don't have that debt right now. So what's that TPD kind of covering? Do you know what I mean? So if it's for future liabilities, that's a lot of money to come out for something that's not there yet. Yep. Okay. So push it up to a mill, drop the TBD, and then I can send that through to you. Cool. Now I won't give you another call to go through it with you because we've already had the discussion. All I'll do is amend it and shoot it through, have a read, make sure you're comfortable. It does include, again, like, our service agreement and stuff like that. So if you have any questions on the fees or anything, please let me know. But all of that's there. The next step is literally just to get you in for a it's usually about twenty five minutes to go through the personal statement with Zurich, and my team member, Jack, can run through that with you pretty quickly. Life insurance doesn't ask as many questions as TPD, so it's a bit of a quicker application. K? The only question I have for you when it comes to, like, the health side of things, Zurich were really good when it comes to things like BMI and blood pressure, but they just wanted to make sure that the blood pressure was a good rating and well controlled with medication. Oh, yeah? Yep. And is that blood work for anything specific, or is it general checkup just with age? Yeah. Yeah. What now? Yeah. That's an hour's long wait. Yeah. That's cool. Look. Usually, for general checkups, they're okay. Sometimes if there's a specific investigation, they wanna see the results first in case, you know, you get diagnosed with cancer four days after the the damn policy goes in force. Outside of that, when we go through that personal statement, if you can have your your blood pressure ratings available, if you've got that document, we can just punch it into the application, and they can pretty much skip through that. Yeah. I mean, worst case scenario, they do the old shoot off a report to the doctor to quickly check what the reading was. It just delays the application by a week or two depending on how quick the doctors turn around the document, but it's not usually too much of an issue. Fair warning, if they find something random in there that they don't know about, they're obviously gonna try and poke a hole in it. But if it's just that, it should be alright. Cool. Alrighty. Mate, did you want me to find a time to book you in now for that application? Because I can get that document to you tomorrow. I do have a calendar open in front of me if you did have your availability to go through the application next week or later this week. Yep. Tuesday afternoon. Alright. Two. Alright. Now there's usually a couple of people that I've got that can do it around that time. If there's any issues at all that we we don't have anyone available, I'll let them text, call, and email you straight away, but I can put it in for 04:00. Thank god we don't have daylight savings, so it's perfect there. Yes. 04:00 is 04:00. I think it's twenty past now. Yep. I'll go personal statement, Zurich for Jason. Done and done and done. Alright. Yeah. So don't I'm gonna just resend that email I've just sent you so I can make the adjustments. So don't sign anything straight away, and I'll shoot you a text once I've got that updated document through to you. Yeah. Yeah. And look, I'm totally fine to send it through to you to read and go through any questions you have. One of the sort of standard policies we got is we don't want clients signing something if we don't know we've talked about it, And that's just something where if someone just ticks it without knowing what's in there, we can get in a lot of trouble for that. But because we've had that conversation, mate, I'm totally fine to send it through to you. You have a read, and then that way we can make the conversations a bit more concise and meaningful. Yep. Perfect. I think there'll be a couple of extra little inclusions there about, you know, make sure your will is in place and and all that kind of thing. I didn't spend an exhaustive amount of time updating some of your details. So if there's anything that's inaccurate, just flick me a message and I can bump it up, and it should be pretty close. Cool, Jason. Mate, any questions for me before I let you go? Yep. Easy done. No. Thank you for your time, sir. I will get that through to you in twenty four hours, and I've got you tentatively booked in for 04:00 next Tuesday. Sensational, mate. Have a fantastic day. Cheers, mate. 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it's Tommy here, senior adviser from IQ. How are you going, sir? Right. Living the dream. Absolutely living the dream.\n\nRight. I'm just giving you a call to go through that that advice piece I'm sending through to you. Do you have a bit of time now for me? Cool. Now I'm gonna pop it through to your email.\n\nWill you be able to look onto the document with me, or do you want me to just walk you through it? No worries at all, sir. I'll go over the key points, and then if you can just kind of read over it in your own time and call back with any questions, that'd be fabulous. Awesome. Now just usual, the calls are recorded for training quality purposes.\n\nAnd for security, do you remember your client password, Jason? Sorry. Cut out there for a second. I was just after your password. That's the one.\n\nThank you so much, mate. Appreciate it. So I'm just popping this through to your y seven mail. Now just to sort of let you know what's coming, it's got a statement of advice there, insurance quotes for that life insurance, as well as just supporting documentation. There's an appendix there.\n\nThere's an updated service guide, all that kind of thing. Yep. Gotcha. Sorry about that, mate. I've popped that through to you.\n\nIt's got all those documents there. Now couple of quick things that I wanna just run through with you as well. So that advice document, we were doing two main things. We were just doing a quick update to your portfolio for the super, because if you remember, there was we were a bit alarmed by the volatility given that your balance growth, and we were trying to get a bit of a fix for that. Does that ring a bell?\n\nYep. And then there was just that life insurance to add on with your TPD. Perfect. So I'm just gonna bring up the updated document there. Now with the portfolio update so I found the issue with the volatility was that one Australian shares option that was underperforming.\n\nIts volatility compared to every other Australian shares option was about 10 times as much as we would expect. All the rest of your investments were pretty well fine. So what I've basically done, if you recall, we had a quick chat to make sure that we kept you in some low fee index funds, which were a little bit more straightforward, a little bit less volatility. The the option that I've found is pretty much like a 90% reduction in the risk for that option, much better performance, much lower fees. Combined with all the rest of it, it pretty well fixes the issue for you.\n\nCool. Now when it comes to the life insurance, I had to do a little bit of wizardry, and you'll have to forgive me for this. We were putting together life insurance, and I double checked with Tao. And Tao, we're doing this weird thing where because you've already got TPD insurance. In order to add the life insurance on, they do something called a cancel and replace, which resets both policies.\n\nNow the problem with that is that both policies go through full underwriting again. Now when they go through full underwriting again, it means that there's a risk of your TPD insurance copying, like, a loading or an additional exclusion from anything that shows up for the life insurance application, which I didn't wanna do. Now I've actually found an insurer, a separate one, who is gonna offer you the life insurance with basically 90% chance of it not having a loading on it, and it won't impact your your existing TPD cover, if that makes sense. Now it's actually even sort of more affordable than the other one as well. So premiums are much lower like for like.\n\nIt's the same kind of 750,000 that equals your your TPD insurance. It just does mean that you're gonna be going kind of with two different insurers, but we can handle that for you. So in terms of when we do a review, we get all your certificates of currency to package up for you. If you ever go on a claim, we can help you with the claims whichever type of policy it is. Okay?\n\nAny sort of questions or thoughts or queries on that to begin with? Correct. So that's total and permanent disability. And what that basically does is if you're never able to work again, you're in a car accident, but you're still here, there's a lump sum there of close to 750,000, pay off the mortgage, let you live off of it, that kind of thing. Correct.\n\nSo that's kind of like a sister policy there. One covers you for death. One covers you for disability. The other one doesn't do disability. It only does the life part portion.\n\nThey kind of go hand in hand. And there is a possibility that let's say I have actually seen this happen before. If you're in a car accident and you're declared TBD, totally disabled, then you get your lump sum from that cover. And then if you pass away afterwards, you get your life insurance on top of that, and it's a bit of a double double claim for your family. Alright.\n\nI'm gonna bring up so the quote for your life insurance is only about after the rebate, 1,082. So that's pretty good. Just bear with me for a moment. I'm gonna pull up your towel policy, if that's okay. It'll only take me about four seconds.\n\nHere we go. Tow COC. K. Yeah. Tau is the big one.\n\nSo Tau is 3,600. You're thinking go without TPD at all and just have life insurance only? K? Don't want me to do any of it. Sure.\n\nYeah. And I did have a little bit of a quick check back on the old archive, and I think there was a bit of a note there that we were trying to line up life insurance when you purchased a property or something like that. But if you don't want the policy, mate, no one's gonna force you to keep it as long as you understand the risks of not having that type of cover. That's all. Do I have that cover?\n\nYeah. I'm one of those ones where out of the four insurances, life, TPD, income protection, and trauma, I've got my life and TPD to cover the mortgage for the fam. That's my main thing. It is you're exactly right. It's gonna get more expensive.\n\nAnd because it's step premiums and with age and everything, that'll be 4,000, then 5,000, and in ten years' time, it'll be 10,000. And the whole idea is that once you've got like, a mortgage, you build up your super, you pay off the debt, you don't need the insurance, you can reduce it down. So it is a bit of a juggling act, and that's part of what we do is we go, okay. What impact is this having on your super? Are you still actually gonna hit your goal?\n\nAnd if not, do we reduce it? Do we chop around? All that kind of thing. I still honestly, like, know full transparency. Tal's given you the best deal in terms of the TPD underwriting side of things, but the premiums, they're just gonna get bigger and bigger.\n\nWe usually put a bit of a cap where we say, okay. If it's below 30% of your contributions, we should still be able to get enough growth and contributions to get you to your goal and keep reducing it down from there. So I can do reduction quotes. I can cancel. Up to you on that one.\n\nI can do some updated projections to sort of see how you're looking, and if we can kind of juggle it for a few years and just slowly reduce it down over five years or something like that. Thoughts? Yeah. It's not chump change. Yeah.\n\nAnd it's not like those monthly premiums where it spreads it out over the year. If you have the market dip and then that premium come out, it takes a lot longer to kind of regain that when the market goes back up. Yeah. And it's one of those things that I've gotta be like, again, full transparency. When you hit your fifties, TPD and income protections start to skyrocket the most.\n\nLife insurance is okay to maintain for quite a while, but if you were 30, that TPD insurance would be like $900. And it does not get prettier through your fifties. K. So if you're comfortable with that, I'll do a quick amendment to the document that I'm sending out to you. I can even update the projection so you can kind of see.\n\nWe do include an insurance impact table, so you can see how big of an impact it's having. And if you're comfortable with that, mate, we can help you cancel that one and go through just that application for the life insurance instead. Yes. An even mil. That's an extra third on top, a thousand and 82, an extra couple $100.\n\nYep. Altogether. K. Let me have a quick look. I'm just got your fact find in front of me there.\n\nYeah. Look. One of those things was the the idea of purchasing a property, and you don't have that debt right now. So what's that TPD kind of covering? Do you know what I mean?\n\nSo if it's for future liabilities, that's a lot of money to come out for something that's not there yet. Yep. Okay. So push it up to a mill, drop the TBD, and then I can send that through to you. Cool.\n\nNow I won't give you another call to go through it with you because we've already had the discussion. All I'll do is amend it and shoot it through, have a read, make sure you're comfortable. It does include, again, like, our service agreement and stuff like that. So if you have any questions on the fees or anything, please let me know. But all of that's there.\n\nThe next step is literally just to get you in for a it's usually about twenty five minutes to go through the personal statement with Zurich, and my team member, Jack, can run through that with you pretty quickly. Life insurance doesn't ask as many questions as TPD, so it's a bit of a quicker application. K? The only question I have for you when it comes to, like, the health side of things, Zurich were really good when it comes to things like BMI and blood pressure, but they just wanted to make sure that the blood pressure was a good rating and well controlled with medication. Oh, yeah?\n\nYep. And is that blood work for anything specific, or is it general checkup just with age? Yeah. Yeah. What now?\n\nYeah. That's an hour's long wait. Yeah. That's cool. Look.\n\nUsually, for general checkups, they're okay. Sometimes if there's a specific investigation, they wanna see the results first in case, you know, you get diagnosed with cancer four days after the the damn policy goes in force. Outside of that, when we go through that personal statement, if you can have your your blood pressure ratings available, if you've got that document, we can just punch it into the application, and they can pretty much skip through that. Yeah. I mean, worst case scenario, they do the old shoot off a report to the doctor to quickly check what the reading was.\n\nIt just delays the application by a week or two depending on how quick the doctors turn around the document, but it's not usually too much of an issue. Fair warning, if they find something random in there that they don't know about, they're obviously gonna try and poke a hole in it. But if it's just that, it should be alright. Cool. Alrighty.\n\nMate, did you want me to find a time to book you in now for that application? Because I can get that document to you tomorrow. I do have a calendar open in front of me if you did have your availability to go through the application next week or later this week. Yep. Tuesday afternoon.\n\nAlright. Two. Alright. Now there's usually a couple of people that I've got that can do it around that time. If there's any issues at all that we we don't have anyone available, I'll let them text, call, and email you straight away, but I can put it in for 04:00.\n\nThank god we don't have daylight savings, so it's perfect there. Yes. 04:00 is 04:00. I think it's twenty past now. Yep.\n\nI'll go personal statement, Zurich for Jason. Done and done and done. Alright. Yeah. So don't I'm gonna just resend that email I've just sent you so I can make the adjustments.\n\nSo don't sign anything straight away, and I'll shoot you a text once I've got that updated document through to you. Yeah. Yeah. And look, I'm totally fine to send it through to you to read and go through any questions you have. One of the sort of standard policies we got is we don't want clients signing something if we don't know we've talked about it, And that's just something where if someone just ticks it without knowing what's in there, we can get in a lot of trouble for that.\n\nBut because we've had that conversation, mate, I'm totally fine to send it through to you. You have a read, and then that way we can make the conversations a bit more concise and meaningful. Yep. Perfect. I think there'll be a couple of extra little inclusions there about, you know, make sure your will is in place and and all that kind of thing.\n\nI didn't spend an exhaustive amount of time updating some of your details. So if there's anything that's inaccurate, just flick me a message and I can bump it up, and it should be pretty close. Cool, Jason. Mate, any questions for me before I let you go? Yep.\n\nEasy done. No. Thank you for your time, sir. I will get that through to you in twenty four hours, and I've got you tentatively booked in for 04:00 next Tuesday. Sensational, mate.\n\nHave a fantastic day. Cheers, mate. Bye.","paragraphs":[{"sentences":[{"text":"Jason, it's Tommy here, senior adviser from IQ.","start":3.04,"end":5.52,"sentiment":"neutral","sentiment_score":0.08157571777701378},{"text":"How are you going, sir?","start":5.52,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2017066538333893},{"text":"Right.","start":8.559999,"end":8.88,"sentiment":"positive","sentiment_score":0.4597017765045166},{"text":"Living the dream.","start":8.88,"end":9.679999,"sentiment":"positive","sentiment_score":0.6505196293195089},{"text":"Absolutely living the dream.","start":9.679999,"end":10.98,"sentiment":"positive","sentiment_score":0.7667948603630066}],"sentiment":"positive","sentiment_score":0.33997995796657743,"num_words":21,"start":3.04,"end":10.98},{"sentences":[{"text":"Right.","start":12.175,"end":12.415,"sentiment":"neutral","sentiment_score":0.31582918763160706},{"text":"I'm just giving you a call to go through that that advice piece I'm sending through to you.","start":12.415,"end":17.055,"sentiment":"neutral","sentiment_score":0.1466387766930792},{"text":"Do you have a bit of time now for me?","start":17.055,"end":18.995,"sentiment":"neutral","sentiment_score":0.0220519432798028},{"text":"Cool.","start":20.654999,"end":21.055,"sentiment":"positive","sentiment_score":0.3684352040290833},{"text":"Now I'm gonna pop it through to your email.","start":21.055,"end":22.975,"sentiment":"neutral","sentiment_score":0.2612724718120363}],"sentiment":"neutral","sentiment_score":0.1511726679805762,"num_words":39,"start":12.175,"end":22.975},{"sentences":[{"text":"Will you be able to look onto the document with me, or do you want me to just walk you through it?","start":22.975,"end":26.43,"sentiment":"neutral","sentiment_score":0.15252268890088255},{"text":"No worries at all, sir.","start":30.19,"end":31.470001,"sentiment":"neutral","sentiment_score":0.3164171397686005},{"text":"I'll go over the key points, and then if you can just kind of read over it in your own time and call back with any questions, that'd be fabulous.","start":31.470001,"end":37.57,"sentiment":"positive","sentiment_score":0.45791656176249185},{"text":"Awesome.","start":39.085,"end":39.485,"sentiment":"positive","sentiment_score":0.4297376871109009},{"text":"Now just usual, the calls are recorded for training quality purposes.","start":39.485,"end":42.785,"sentiment":"neutral","sentiment_score":0.10616711086847565}],"sentiment":"neutral","sentiment_score":0.293806632089874,"num_words":69,"start":22.975,"end":42.785},{"sentences":[{"text":"And for security, do you remember your client password, Jason?","start":43.245,"end":46.145,"sentiment":"neutral","sentiment_score":0.03567799106240273},{"text":"Sorry.","start":53.42,"end":53.82,"sentiment":"neutral","sentiment_score":-0.028110358864068985},{"text":"Cut out there for a second.","start":53.82,"end":55.12,"sentiment":"neutral","sentiment_score":-0.035568975222607456},{"text":"I was just after your password.","start":55.26,"end":57.04,"sentiment":"neutral","sentiment_score":-0.06306432311733563},{"text":"That's the one.","start":59.5,"end":60.22,"sentiment":"neutral","sentiment_score":0.11804340034723282}],"sentiment":"neutral","sentiment_score":0.0034999985677691605,"num_words":26,"start":43.245,"end":60.22},{"sentences":[{"text":"Thank you so much, mate.","start":60.22,"end":61.34,"sentiment":"positive","sentiment_score":0.6195927143096924},{"text":"Appreciate it.","start":61.34,"end":62.379997,"sentiment":"positive","sentiment_score":0.506546676158905},{"text":"So I'm just popping this through to your y seven mail.","start":62.379997,"end":66.435,"sentiment":"neutral","sentiment_score":0.18876117603345352},{"text":"Now just to sort of let you know what's coming, it's got a statement of advice there, insurance quotes for that life insurance, as well as just supporting documentation.","start":66.915,"end":77.335,"sentiment":"neutral","sentiment_score":0.0884926750742156},{"text":"There's an appendix there.","start":77.395,"end":78.854996,"sentiment":"neutral","sentiment_score":0.0711330734193325}],"sentiment":"neutral","sentiment_score":0.17722058296203613,"num_words":51,"start":60.22,"end":78.854996},{"sentences":[{"text":"There's an updated service guide, all that kind of thing.","start":79.314995,"end":82.134995,"sentiment":"neutral","sentiment_score":0.07555790022015571},{"text":"Yep.","start":94.22,"end":94.53999,"sentiment":"neutral","sentiment_score":0.022026244550943375},{"text":"Gotcha.","start":94.53999,"end":95.02,"sentiment":"neutral","sentiment_score":0.010306041687726974},{"text":"Sorry about that, mate.","start":95.02,"end":96.165,"sentiment":"neutral","sentiment_score":-0.022293188143521547},{"text":"I've popped that through to you.","start":96.725,"end":98.005,"sentiment":"neutral","sentiment_score":-0.010468207920591036}],"sentiment":"neutral","sentiment_score":0.02890587674284523,"num_words":22,"start":79.314995,"end":98.005},{"sentences":[{"text":"It's got all those documents there.","start":98.005,"end":99.865,"sentiment":"neutral","sentiment_score":0.02566775307059288},{"text":"Now couple of quick things that I wanna just run through with you as well.","start":99.925,"end":104.505,"sentiment":"neutral","sentiment_score":0.1001972605784734},{"text":"So that advice document, we were doing two main things.","start":104.885,"end":108.485,"sentiment":"neutral","sentiment_score":0.04857516698539257},{"text":"We were just doing a quick update to your portfolio for the super, because if you remember, there was we were a bit alarmed by the volatility given that your balance growth, and we were trying to get a bit of a fix for that.","start":108.485,"end":119.659996,"sentiment":"neutral","sentiment_score":0.005771414231922891},{"text":"Does that ring a bell?","start":119.659996,"end":120.72,"sentiment":"neutral","sentiment_score":0.009830102825071662}],"sentiment":"neutral","sentiment_score":0.03026643520390707,"num_words":81,"start":98.005,"end":120.72},{"sentences":[{"text":"Yep.","start":121.979996,"end":122.3,"sentiment":"neutral","sentiment_score":0.05464937910437584},{"text":"And then there was just that life insurance to add on with your TPD.","start":122.3,"end":125.44,"sentiment":"neutral","sentiment_score":0.04467593745461532},{"text":"Perfect.","start":127.455,"end":127.775,"sentiment":"positive","sentiment_score":0.46370190382003784},{"text":"So I'm just gonna bring up the updated document there.","start":127.775,"end":131.235,"sentiment":"neutral","sentiment_score":0.1608332060277462},{"text":"Now with the portfolio update so I found the issue with the volatility was that one Australian shares option that was underperforming.","start":131.935,"end":140.595,"sentiment":"neutral","sentiment_score":-0.07505869670686396}],"sentiment":"neutral","sentiment_score":0.022934482083655894,"num_words":48,"start":121.979996,"end":140.595},{"sentences":[{"text":"Its volatility compared to every other Australian shares option was about 10 times as much as we would expect.","start":141.48001,"end":147.42,"sentiment":"neutral","sentiment_score":-0.19386135943626104},{"text":"All the rest of your investments were pretty well fine.","start":148.6,"end":150.94,"sentiment":"positive","sentiment_score":0.4083648294210434},{"text":"So what I've basically done, if you recall, we had a quick chat to make sure that we kept you in some low fee index funds, which were a little bit more straightforward, a little bit less volatility.","start":152.36,"end":162.755,"sentiment":"neutral","sentiment_score":0.19926819871915014},{"text":"The the option that I've found is pretty much like a 90% reduction in the risk for that option, much better performance, much lower fees.","start":164.255,"end":171.475,"sentiment":"positive","sentiment_score":0.39253515005111694},{"text":"Combined with all the rest of it, it pretty well fixes the issue for you.","start":171.89001,"end":175.59001,"sentiment":"positive","sentiment_score":0.4296670297781626}],"sentiment":"neutral","sentiment_score":0.2264566188242948,"num_words":107,"start":141.48001,"end":175.59001},{"sentences":[{"text":"Cool.","start":177.09001,"end":177.57,"sentiment":"positive","sentiment_score":0.5040681958198547},{"text":"Now when it comes to the life insurance, I had to do a little bit of wizardry, and you'll have to forgive me for this.","start":177.57,"end":183.51001,"sentiment":"neutral","sentiment_score":-0.04468786351382732},{"text":"We were putting together life insurance, and I double checked with Tao.","start":184.245,"end":189.305,"sentiment":"neutral","sentiment_score":-0.028729103816052277},{"text":"And Tao, we're doing this weird thing where because you've already got TPD insurance.","start":189.605,"end":194.025,"sentiment":"neutral","sentiment_score":-0.033709549877260415},{"text":"In order to add the life insurance on, they do something called a cancel and replace, which resets both policies.","start":194.485,"end":201.02,"sentiment":"neutral","sentiment_score":-0.029172140918672086}],"sentiment":"neutral","sentiment_score":-0.02796186325657699,"num_words":72,"start":177.09001,"end":201.02},{"sentences":[{"text":"Now the problem with that is that both policies go through full underwriting again.","start":203.16,"end":207.82,"sentiment":"neutral","sentiment_score":-0.16898969507643155},{"text":"Now when they go through full underwriting again, it means that there's a risk of your TPD insurance copying, like, a loading or an additional exclusion from anything that shows up for the life insurance application, which I didn't wanna do.","start":209.32,"end":221.66501,"sentiment":"neutral","sentiment_score":-0.11904350631847614},{"text":"Now I've actually found an insurer, a separate one, who is gonna offer you the life insurance with basically 90% chance of it not having a loading on it, and it won't impact your your existing TPD cover, if that makes sense.","start":223.325,"end":238.74,"sentiment":"neutral","sentiment_score":0.17742294197281203},{"text":"Now it's actually even sort of more affordable than the other one as well.","start":240.16,"end":245.385,"sentiment":"positive","sentiment_score":0.40420714233602795},{"text":"So premiums are much lower like for like.","start":245.685,"end":248.08499,"sentiment":"neutral","sentiment_score":0.29764237254858017}],"sentiment":"neutral","sentiment_score":0.0692870844186855,"num_words":119,"start":203.16,"end":248.08499},{"sentences":[{"text":"It's the same kind of 750,000 that equals your your TPD insurance.","start":248.08499,"end":252.58499,"sentiment":"neutral","sentiment_score":0.22652721032500267},{"text":"It just does mean that you're gonna be going kind of with two different insurers, but we can handle that for you.","start":253.44499,"end":259.74,"sentiment":"neutral","sentiment_score":0.09388906898146326},{"text":"So in terms of when we do a review, we get all your certificates of currency to package up for you.","start":259.74,"end":265.97998,"sentiment":"neutral","sentiment_score":0.16272103786468506},{"text":"If you ever go on a claim, we can help you with the claims whichever type of policy it is.","start":265.97998,"end":270.88,"sentiment":"neutral","sentiment_score":0.1534026052802801},{"text":"Okay?","start":272.475,"end":272.975,"sentiment":"neutral","sentiment_score":0.08906988054513931}],"sentiment":"neutral","sentiment_score":0.149449339773702,"num_words":76,"start":248.08499,"end":272.975},{"sentences":[{"text":"Any sort of questions or thoughts or queries on that to begin with?","start":273.67502,"end":277.055,"sentiment":"neutral","sentiment_score":0.061999269402944125},{"text":"Correct.","start":290.81,"end":291.28998,"sentiment":"neutral","sentiment_score":0.03550475835800171},{"text":"So that's total and permanent disability.","start":291.28998,"end":293.47,"sentiment":"neutral","sentiment_score":0.022575949008266132},{"text":"And what that basically does is if you're never able to work again, you're in a car accident, but you're still here, there's a lump sum there of close to 750,000, pay off the mortgage, let you live off of it, that kind of thing.","start":293.93,"end":306.945,"sentiment":"neutral","sentiment_score":0.005461281631141901},{"text":"Correct.","start":313.41998,"end":313.91998,"sentiment":"neutral","sentiment_score":0.04829729348421097}],"sentiment":"neutral","sentiment_score":0.019257665477749524,"num_words":66,"start":273.67502,"end":313.91998},{"sentences":[{"text":"So that's kind of like a sister policy there.","start":314.06,"end":316.38,"sentiment":"neutral","sentiment_score":0.02938099019229412},{"text":"One covers you for death.","start":316.38,"end":317.84,"sentiment":"neutral","sentiment_score":0.012360155209898948},{"text":"One covers you for disability.","start":317.9,"end":319.44,"sentiment":"neutral","sentiment_score":0.010180171579122543},{"text":"The other one doesn't do disability.","start":328.315,"end":329.855,"sentiment":"neutral","sentiment_score":-0.07504319647947948},{"text":"It only does the life part portion.","start":329.995,"end":331.915,"sentiment":"neutral","sentiment_score":-0.04454493575862476}],"sentiment":"neutral","sentiment_score":-0.012029474484734237,"num_words":32,"start":314.06,"end":331.915},{"sentences":[{"text":"They kind of go hand in hand.","start":331.915,"end":333.535,"sentiment":"neutral","sentiment_score":-0.054113908537796566},{"text":"And there is a possibility that let's say I have actually seen this happen before.","start":335.63,"end":340.13,"sentiment":"neutral","sentiment_score":-0.05858376994729042},{"text":"If you're in a car accident and you're declared TBD, totally disabled, then you get your lump sum from that cover.","start":340.35,"end":347.57,"sentiment":"neutral","sentiment_score":-0.0027770683435457094},{"text":"And then if you pass away afterwards, you get your life insurance on top of that, and it's a bit of a double double claim for your family.","start":347.745,"end":353.76498,"sentiment":"neutral","sentiment_score":-0.07183676319462913},{"text":"Alright.","start":365.52002,"end":365.84,"sentiment":"neutral","sentiment_score":-0.09219969809055328}],"sentiment":"neutral","sentiment_score":-0.04749307516289668,"num_words":72,"start":331.915,"end":365.84},{"sentences":[{"text":"I'm gonna bring up so the quote for your life insurance is only about after the rebate, 1,082.","start":365.84,"end":372.765,"sentiment":"neutral","sentiment_score":0.06358687434759405},{"text":"So that's pretty good.","start":374.125,"end":375.345,"sentiment":"positive","sentiment_score":0.3997751623392105},{"text":"Just bear with me for a moment.","start":375.725,"end":376.92502,"sentiment":"neutral","sentiment_score":0.130763797887734},{"text":"I'm gonna pull up your towel policy, if that's okay.","start":376.92502,"end":379.165,"sentiment":"neutral","sentiment_score":0.0998682763427496},{"text":"It'll only take me about four seconds.","start":379.165,"end":380.785,"sentiment":"neutral","sentiment_score":0.08484946404184614}],"sentiment":"neutral","sentiment_score":0.11416608662061069,"num_words":46,"start":365.84,"end":380.785},{"sentences":[{"text":"Here we go.","start":384.36502,"end":385.265,"sentiment":"neutral","sentiment_score":0.04635161285599073},{"text":"Tow COC.","start":385.64502,"end":386.545,"sentiment":"neutral","sentiment_score":0.00806095777079463},{"text":"K.","start":389.03,"end":389.53,"sentiment":"neutral","sentiment_score":0.007001423742622137},{"text":"Yeah.","start":389.75,"end":390.25,"sentiment":"neutral","sentiment_score":0.009429029189050198},{"text":"Tau is the big one.","start":390.38998,"end":391.43,"sentiment":"neutral","sentiment_score":0.011139355599880219}],"sentiment":"neutral","sentiment_score":0.01894199875338624,"num_words":12,"start":384.36502,"end":391.43},{"sentences":[{"text":"So Tau is 3,600.","start":391.43,"end":393.77,"sentiment":"neutral","sentiment_score":0.004206538433209062},{"text":"You're thinking go without TPD at all and just have life insurance only?","start":398.71,"end":402.65,"sentiment":"neutral","sentiment_score":-0.06527334738236207},{"text":"K?","start":403.955,"end":404.435,"sentiment":"neutral","sentiment_score":-0.034632883965969086},{"text":"Don't want me to do any of it.","start":404.435,"end":406.375,"sentiment":"neutral","sentiment_score":-0.3068937100470066},{"text":"Sure.","start":406.675,"end":407.175,"sentiment":"neutral","sentiment_score":-0.06577533483505249}],"sentiment":"neutral","sentiment_score":-0.12545500968203502,"num_words":27,"start":391.43,"end":407.175},{"sentences":[{"text":"Yeah.","start":432.94498,"end":433.345,"sentiment":"neutral","sentiment_score":-0.053670577704906464},{"text":"And I did have a little bit of a quick check back on the old archive, and I think there was a bit of a note there that we were trying to line up life insurance when you purchased a property or something like that.","start":433.345,"end":444.0,"sentiment":"neutral","sentiment_score":0.0035693267981211346},{"text":"But if you don't want the policy, mate, no one's gonna force you to keep it as long as you understand the risks of not having that type of cover.","start":444.22,"end":450.54,"sentiment":"neutral","sentiment_score":-0.19463710139195126},{"text":"That's all.","start":450.54,"end":451.28,"sentiment":"neutral","sentiment_score":-0.06649334728717804},{"text":"Do I have that cover?","start":463.77,"end":465.07,"sentiment":"neutral","sentiment_score":-0.023840048164129258}],"sentiment":"neutral","sentiment_score":-0.0721006126378674,"num_words":83,"start":432.94498,"end":465.07},{"sentences":[{"text":"Yeah.","start":467.69,"end":468.17,"sentiment":"neutral","sentiment_score":0.004794200882315636},{"text":"I'm one of those ones where out of the four insurances, life, TPD, income protection, and trauma, I've got my life and TPD to cover the mortgage for the fam.","start":468.17,"end":476.33,"sentiment":"neutral","sentiment_score":-0.02768823051204284},{"text":"That's my main thing.","start":476.33,"end":477.465,"sentiment":"neutral","sentiment_score":-0.023239975795149803},{"text":"It is you're exactly right.","start":479.305,"end":480.505,"sentiment":"neutral","sentiment_score":0.025179721787571906},{"text":"It's gonna get more expensive.","start":480.505,"end":481.885,"sentiment":"neutral","sentiment_score":-0.16408753544092178}],"sentiment":"neutral","sentiment_score":-0.03585225968725152,"num_words":45,"start":467.69,"end":481.885},{"sentences":[{"text":"And because it's step premiums and with age and everything, that'll be 4,000, then 5,000, and in ten years' time, it'll be 10,000.","start":482.185,"end":490.60498,"sentiment":"neutral","sentiment_score":-0.08101101883727571},{"text":"And the whole idea is that once you've got like, a mortgage, you build up your super, you pay off the debt, you don't need the insurance, you can reduce it down.","start":490.905,"end":498.5,"sentiment":"neutral","sentiment_score":0.06645539088640362},{"text":"So it is a bit of a juggling act, and that's part of what we do is we go, okay.","start":500.64,"end":504.88,"sentiment":"neutral","sentiment_score":0.06147530674934387},{"text":"What impact is this having on your super?","start":504.88,"end":506.56,"sentiment":"neutral","sentiment_score":0.06791147124022245},{"text":"Are you still actually gonna hit your goal?","start":506.56,"end":508.42,"sentiment":"neutral","sentiment_score":0.10786655638366938}],"sentiment":"neutral","sentiment_score":0.03185768605588556,"num_words":91,"start":482.185,"end":508.42},{"sentences":[{"text":"And if not, do we reduce it?","start":508.655,"end":510.575,"sentiment":"neutral","sentiment_score":-0.07964103988238744},{"text":"Do we chop around?","start":510.575,"end":511.695,"sentiment":"neutral","sentiment_score":-0.08489766344428062},{"text":"All that kind of thing.","start":511.695,"end":512.835,"sentiment":"neutral","sentiment_score":0.04804486185312271},{"text":"I still honestly, like, know full transparency.","start":513.295,"end":516.755,"sentiment":"neutral","sentiment_score":0.28900511137076784},{"text":"Tal's given you the best deal in terms of the TPD underwriting side of things, but the premiums, they're just gonna get bigger and bigger.","start":517.215,"end":525.19995,"sentiment":"neutral","sentiment_score":0.18840417325496672}],"sentiment":"neutral","sentiment_score":0.1265893018183609,"num_words":48,"start":508.655,"end":525.19995},{"sentences":[{"text":"We usually put a bit of a cap where we say, okay.","start":525.74,"end":528.3,"sentiment":"neutral","sentiment_score":0.08732074374953906},{"text":"If it's below 30% of your contributions, we should still be able to get enough growth and contributions to get you to your goal and keep reducing it down from there.","start":528.3,"end":537.895,"sentiment":"neutral","sentiment_score":0.17356180195366183},{"text":"So I can do reduction quotes.","start":538.115,"end":540.275,"sentiment":"neutral","sentiment_score":-0.014738204268117746},{"text":"I can cancel.","start":540.275,"end":541.17505,"sentiment":"neutral","sentiment_score":-0.037487498174111046},{"text":"Up to you on that one.","start":542.275,"end":543.715,"sentiment":"neutral","sentiment_score":0.04396482494970163}],"sentiment":"neutral","sentiment_score":0.11191658646767509,"num_words":58,"start":525.74,"end":543.715},{"sentences":[{"text":"I can do some updated projections to sort of see how you're looking, and if we can kind of juggle it for a few years and just slowly reduce it down over five years or something like that.","start":543.715,"end":553.27997,"sentiment":"neutral","sentiment_score":0.05469923598789855},{"text":"Thoughts?","start":554.54,"end":555.04,"sentiment":"neutral","sentiment_score":-0.02376793511211872},{"text":"Yeah.","start":560.795,"end":561.295,"sentiment":"neutral","sentiment_score":-0.17833034694194794},{"text":"It's not chump change.","start":566.875,"end":568.255,"sentiment":"negative","sentiment_score":-0.44121015071868896},{"text":"Yeah.","start":579.61,"end":580.11,"sentiment":"neutral","sentiment_score":-0.07549513876438141}],"sentiment":"neutral","sentiment_score":0.0008030431965986887,"num_words":45,"start":543.715,"end":580.11},{"sentences":[{"text":"And it's not like those monthly premiums where it spreads it out over the year.","start":581.77,"end":585.29,"sentiment":"neutral","sentiment_score":-0.13570829977591833},{"text":"If you have the market dip and then that premium come out, it takes a lot longer to kind of regain that when the market goes back up.","start":585.29,"end":592.795,"sentiment":"neutral","sentiment_score":-0.17995104672653334},{"text":"Yeah.","start":596.855,"end":597.175,"sentiment":"neutral","sentiment_score":-0.03795592859387398},{"text":"And it's one of those things that I've gotta be like, again, full transparency.","start":597.175,"end":600.795,"sentiment":"neutral","sentiment_score":0.06789064380739417},{"text":"When you hit your fifties, TPD and income protections start to skyrocket the most.","start":601.5,"end":606.56,"sentiment":"neutral","sentiment_score":-0.0390743345820478}],"sentiment":"neutral","sentiment_score":-0.09317751950584352,"num_words":72,"start":581.77,"end":606.56},{"sentences":[{"text":"Life insurance is okay to maintain for quite a while, but if you were 30, that TPD insurance would be like $900.","start":606.78,"end":613.515,"sentiment":"neutral","sentiment_score":-0.009153892989905382},{"text":"And it does not get prettier through your fifties.","start":615.435,"end":617.85504,"sentiment":"neutral","sentiment_score":-0.028876473092370562},{"text":"K.","start":623.675,"end":624.175,"sentiment":"neutral","sentiment_score":0.04537394642829895},{"text":"So if you're comfortable with that, I'll do a quick amendment to the document that I'm sending out to you.","start":624.875,"end":631.32,"sentiment":"neutral","sentiment_score":0.12132273018360137},{"text":"I can even update the projection so you can kind of see.","start":632.1,"end":635.06,"sentiment":"neutral","sentiment_score":0.13288787240162492}],"sentiment":"neutral","sentiment_score":0.05633139242672769,"num_words":64,"start":606.78,"end":635.06},{"sentences":[{"text":"We do include an insurance impact table, so you can see how big of an impact it's having.","start":635.06,"end":640.6,"sentiment":"neutral","sentiment_score":-0.013694755526052581},{"text":"And if you're comfortable with that, mate, we can help you cancel that one and go through just that application for the life insurance instead.","start":640.82,"end":649.29504,"sentiment":"neutral","sentiment_score":-0.15396179854869843},{"text":"Yes.","start":654.955,"end":655.455,"sentiment":"neutral","sentiment_score":-0.022861286997795105},{"text":"An even mil.","start":661.44995,"end":662.51,"sentiment":"neutral","sentiment_score":-0.050328546514113746},{"text":"That's an extra third on top, a thousand and 82, an extra couple $100.","start":663.76996,"end":668.51,"sentiment":"neutral","sentiment_score":-0.17550300593887055}],"sentiment":"neutral","sentiment_score":-0.11026950119460216,"num_words":61,"start":635.06,"end":668.51},{"sentences":[{"text":"Yep.","start":674.025,"end":674.425,"sentiment":"neutral","sentiment_score":0.023658577352762222},{"text":"Altogether.","start":674.425,"end":674.925,"sentiment":"neutral","sentiment_score":0.02703429013490677},{"text":"K.","start":676.90497,"end":677.385,"sentiment":"neutral","sentiment_score":0.009469590149819853},{"text":"Let me have a quick look.","start":677.385,"end":678.585,"sentiment":"neutral","sentiment_score":0.02116240266089638},{"text":"I'm just got your fact find in front of me there.","start":678.585,"end":681.085,"sentiment":"neutral","sentiment_score":0.017361635172908955}],"sentiment":"neutral","sentiment_score":0.018905743025243282,"num_words":20,"start":674.025,"end":681.085},{"sentences":[{"text":"Yeah.","start":681.865,"end":682.185,"sentiment":"neutral","sentiment_score":-0.004885432310402393},{"text":"Look.","start":682.185,"end":682.59,"sentiment":"neutral","sentiment_score":-0.01779477670788765},{"text":"One of those things was the the idea of purchasing a property, and you don't have that debt right now.","start":682.67004,"end":687.39,"sentiment":"neutral","sentiment_score":-0.06836631447076798},{"text":"So what's that TPD kind of covering?","start":687.39,"end":690.03,"sentiment":"neutral","sentiment_score":-0.07610201197011131},{"text":"Do you know what I mean?","start":690.03,"end":691.09,"sentiment":"neutral","sentiment_score":-0.07556360214948654}],"sentiment":"neutral","sentiment_score":-0.06788863414632422,"num_words":35,"start":681.865,"end":691.09},{"sentences":[{"text":"So if it's for future liabilities, that's a lot of money to come out for something that's not there yet.","start":692.99005,"end":697.305,"sentiment":"neutral","sentiment_score":-0.2509588323533535},{"text":"Yep.","start":698.745,"end":699.225,"sentiment":"neutral","sentiment_score":0.009717090055346487},{"text":"Okay.","start":699.225,"end":699.725,"sentiment":"neutral","sentiment_score":0.02428456209599972},{"text":"So push it up to a mill, drop the TBD, and then I can send that through to you.","start":699.785,"end":706.345,"sentiment":"neutral","sentiment_score":0.0586502041275564},{"text":"Cool.","start":706.345,"end":706.825,"sentiment":"neutral","sentiment_score":0.3242984414100647}],"sentiment":"neutral","sentiment_score":-0.08444101607338303,"num_words":42,"start":692.99005,"end":706.825},{"sentences":[{"text":"Now I won't give you another call to go through it with you because we've already had the discussion.","start":706.825,"end":710.765,"sentiment":"neutral","sentiment_score":0.0525771732393064},{"text":"All I'll do is amend it and shoot it through, have a read, make sure you're comfortable.","start":710.985,"end":715.91,"sentiment":"neutral","sentiment_score":0.11788156760089538},{"text":"It does include, again, like, our service agreement and stuff like that.","start":717.17,"end":720.05,"sentiment":"neutral","sentiment_score":0.12490194290876389},{"text":"So if you have any questions on the fees or anything, please let me know.","start":720.05,"end":723.17,"sentiment":"neutral","sentiment_score":0.09373802244663239},{"text":"But all of that's there.","start":723.17,"end":724.47,"sentiment":"neutral","sentiment_score":0.06122715026140213}],"sentiment":"neutral","sentiment_score":0.0913820932893192,"num_words":68,"start":706.825,"end":724.47},{"sentences":[{"text":"The next step is literally just to get you in for a it's usually about twenty five minutes to go through the personal statement with Zurich, and my team member, Jack, can run through that with you pretty quickly.","start":724.655,"end":735.47504,"sentiment":"neutral","sentiment_score":0.17987326742746892},{"text":"Life insurance doesn't ask as many questions as TPD, so it's a bit of a quicker application.","start":735.695,"end":740.4,"sentiment":"neutral","sentiment_score":0.05562080837347928},{"text":"K?","start":742.46,"end":742.94,"sentiment":"neutral","sentiment_score":0.029316715896129608},{"text":"The only question I have for you when it comes to, like, the health side of things, Zurich were really good when it comes to things like BMI and blood pressure, but they just wanted to make sure that the blood pressure was a good rating and well controlled with medication.","start":742.94,"end":755.415,"sentiment":"neutral","sentiment_score":0.30949415098510535},{"text":"Oh, yeah?","start":760.355,"end":761.01495,"sentiment":"neutral","sentiment_score":0.1221628487110138}],"sentiment":"neutral","sentiment_score":0.21834959350526334,"num_words":110,"start":724.655,"end":761.01495},{"sentences":[{"text":"Yep.","start":777.25,"end":777.57,"sentiment":"neutral","sentiment_score":-0.004149990156292915},{"text":"And is that blood work for anything specific, or is it general checkup just with age?","start":777.57,"end":782.14496,"sentiment":"neutral","sentiment_score":-0.024437445332296193},{"text":"Yeah.","start":792.22,"end":792.72,"sentiment":"neutral","sentiment_score":-0.01502720732241869},{"text":"Yeah.","start":793.74,"end":794.24,"sentiment":"neutral","sentiment_score":0.00999227724969387},{"text":"What now?","start":794.94,"end":795.92,"sentiment":"neutral","sentiment_score":-0.0017625675536692142}],"sentiment":"neutral","sentiment_score":-0.01922424669776644,"num_words":21,"start":777.25,"end":795.92},{"sentences":[{"text":"Yeah.","start":800.86,"end":801.1,"sentiment":"neutral","sentiment_score":0.03386949747800827},{"text":"That's an hour's long wait.","start":801.1,"end":802.64,"sentiment":"neutral","sentiment_score":0.3276159971952438},{"text":"Yeah.","start":810.715,"end":810.955,"sentiment":"neutral","sentiment_score":0.26633453369140625},{"text":"That's cool.","start":810.955,"end":811.515,"sentiment":"positive","sentiment_score":0.36539988219738007},{"text":"Look.","start":811.515,"end":811.835,"sentiment":"neutral","sentiment_score":0.13933165371418}],"sentiment":"neutral","sentiment_score":0.28084154352545737,"num_words":10,"start":800.86,"end":811.835},{"sentences":[{"text":"Usually, for general checkups, they're okay.","start":811.835,"end":814.015,"sentiment":"neutral","sentiment_score":0.05735165439546108},{"text":"Sometimes if there's a specific investigation, they wanna see the results first in case, you know, you get diagnosed with cancer four days after the the damn policy goes in force.","start":814.155,"end":823.26,"sentiment":"neutral","sentiment_score":-0.06544269314937053},{"text":"Outside of that, when we go through that personal statement, if you can have your your blood pressure ratings available, if you've got that document, we can just punch it into the application, and they can pretty much skip through that.","start":824.60004,"end":835.555,"sentiment":"neutral","sentiment_score":-0.028248233584369103},{"text":"Yeah.","start":842.11,"end":842.43,"sentiment":"neutral","sentiment_score":-0.22218476235866547},{"text":"I mean, worst case scenario, they do the old shoot off a report to the doctor to quickly check what the reading was.","start":842.43,"end":848.21,"sentiment":"neutral","sentiment_score":-0.2309710312148799}],"sentiment":"neutral","sentiment_score":-0.08213048645605643,"num_words":102,"start":811.835,"end":848.21},{"sentences":[{"text":"It just delays the application by a week or two depending on how quick the doctors turn around the document, but it's not usually too much of an issue.","start":848.91003,"end":856.13,"sentiment":"negative","sentiment_score":-0.3395403279312726},{"text":"Fair warning, if they find something random in there that they don't know about, they're obviously gonna try and poke a hole in it.","start":856.695,"end":861.99506,"sentiment":"negative","sentiment_score":-0.38033590217431384},{"text":"But if it's just that, it should be alright.","start":862.135,"end":864.315,"sentiment":"neutral","sentiment_score":0.012916569287578264},{"text":"Cool.","start":867.895,"end":868.35,"sentiment":"positive","sentiment_score":0.5418011546134949},{"text":"Alrighty.","start":868.50995,"end":868.99,"sentiment":"positive","sentiment_score":0.40446001291275024}],"sentiment":"neutral","sentiment_score":-0.2798784511105623,"num_words":64,"start":848.91003,"end":868.99},{"sentences":[{"text":"Mate, did you want me to find a time to book you in now for that application?","start":868.99,"end":872.82996,"sentiment":"neutral","sentiment_score":0.31322625630042134},{"text":"Because I can get that document to you tomorrow.","start":872.82996,"end":875.00995,"sentiment":"positive","sentiment_score":0.3717174894279904},{"text":"I do have a calendar open in front of me if you did have your availability to go through the application next week or later this week.","start":876.82996,"end":883.875,"sentiment":"neutral","sentiment_score":0.24059820506307814},{"text":"Yep.","start":889.715,"end":889.875,"sentiment":"neutral","sentiment_score":0.07721520960330963},{"text":"Tuesday afternoon.","start":889.875,"end":891.095,"sentiment":"neutral","sentiment_score":0.051543472334742546}],"sentiment":"neutral","sentiment_score":0.2740492402309818,"num_words":56,"start":868.99,"end":891.095},{"sentences":[{"text":"Alright.","start":893.715,"end":894.215,"sentiment":"neutral","sentiment_score":0.0834190845489502},{"text":"Two.","start":894.675,"end":895.175,"sentiment":"neutral","sentiment_score":0.04850882291793823},{"text":"Alright.","start":897.17004,"end":897.57,"sentiment":"neutral","sentiment_score":0.11515726894140244},{"text":"Now there's usually a couple of people that I've got that can do it around that time.","start":897.57,"end":901.51,"sentiment":"neutral","sentiment_score":0.08559925635071362},{"text":"If there's any issues at all that we we don't have anyone available, I'll let them text, call, and email you straight away, but I can put it in for 04:00.","start":901.97003,"end":910.47003,"sentiment":"neutral","sentiment_score":-0.013114614892871149}],"sentiment":"neutral","sentiment_score":0.025406264170419936,"num_words":51,"start":893.715,"end":910.47003},{"sentences":[{"text":"Thank god we don't have daylight savings, so it's perfect there.","start":911.02496,"end":915.045,"sentiment":"neutral","sentiment_score":0.0469083846970038},{"text":"Yes.","start":917.505,"end":917.90497,"sentiment":"neutral","sentiment_score":0.02039523236453533},{"text":"04:00 is 04:00.","start":917.90497,"end":918.945,"sentiment":"neutral","sentiment_score":0.0009873063924411933},{"text":"I think it's twenty past now.","start":918.945,"end":920.485,"sentiment":"neutral","sentiment_score":-0.044366100492576756},{"text":"Yep.","start":922.625,"end":923.125,"sentiment":"neutral","sentiment_score":0.09511588513851166}],"sentiment":"neutral","sentiment_score":0.016739484790543265,"num_words":22,"start":911.02496,"end":923.125},{"sentences":[{"text":"I'll go personal statement, Zurich for Jason.","start":923.505,"end":927.93,"sentiment":"neutral","sentiment_score":0.16342867272240774},{"text":"Done and done and done.","start":928.55,"end":929.85,"sentiment":"neutral","sentiment_score":0.3181511342525482},{"text":"Alright.","start":931.58997,"end":931.99,"sentiment":"neutral","sentiment_score":0.15749065577983856},{"text":"Yeah.","start":931.99,"end":932.23,"sentiment":"neutral","sentiment_score":0.1247047409415245},{"text":"So don't I'm gonna just resend that email I've just sent you so I can make the 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just something where if someone just ticks it without knowing what's in there, we can get in a lot of trouble for that.","start":984.67,"end":997.60504,"sentiment":"neutral","sentiment_score":-0.18976606322186335}],"sentiment":"neutral","sentiment_score":-0.04049245078805024,"num_words":92,"start":936.94995,"end":997.60504},{"sentences":[{"text":"But because we've had that conversation, mate, I'm totally fine to send it through to you.","start":997.60504,"end":1001.685,"sentiment":"neutral","sentiment_score":0.1760562309063971},{"text":"You have a read, and then that way we can make the conversations a bit more concise and meaningful.","start":1001.685,"end":1017.8675,"sentiment":"neutral","sentiment_score":0.16096176991337224},{"text":"Yep.","start":1017.8675,"end":1017.915,"sentiment":"neutral","sentiment_score":0.1617872267961502},{"text":"Perfect.","start":1019.83496,"end":1020.235,"sentiment":"positive","sentiment_score":0.6991329193115234},{"text":"I think there'll be a couple of extra little inclusions there about, you know, make sure your will is in place and and all that kind of thing.","start":1020.235,"end":1026.1749,"sentiment":"positive","sentiment_score":0.35596495281372753}],"sentiment":"neutral","sentiment_score":0.25697095611920723,"num_words":65,"start":997.60504,"end":1026.1749},{"sentences":[{"text":"I didn't spend an exhaustive amount of time updating some of your details.","start":1027.115,"end":1031.035,"sentiment":"neutral","sentiment_score":0.023781836605989017},{"text":"So if there's anything that's inaccurate, just flick me a message and I can bump it up, and it should be pretty close.","start":1031.035,"end":1036.34,"sentiment":"neutral","sentiment_score":0.04780728495477334},{"text":"Cool, Jason.","start":1039.12,"end":1039.84,"sentiment":"positive","sentiment_score":0.3421601951122284},{"text":"Mate, any questions for me before I let you 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Jason speaking. Good. How are you? Yep. Yeah. That's fine. You'll have to sit me through it because I'm driving at the moment. Yep. Nope. It hasn't yet. Right. Yep. Yep. Oh, you there? Yeah. I'm sorry. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Excellent. Yep. Yeah. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Okay. So the the towel one, the the total disability, what's the Tel insurance as it currently is? Okay. And now for the other one is a life insurance policy. So there's a question. Do I need to tell one if the other one does disability and death? Okay. Right. Yep. Yep. Yep. Okay. How much of these things? Because how I believe that this total disability, I feel is exceptionally expensive. Yep. I'm tempted to drop towel and just have the other one. Yep. Yep. Because that that's because well, look. I I just like, the towel just continually seems to get more and more expensive. And, like, realistically, I thought I only asked for life insurance. Then I end up with this TPD without any life insurance. The thing's costing me over $3 a year. Like and and it isn't actually what I thought I was getting. Yeah. I just do you do you have it? Do you have both of these covers? Yep. Yep. Okay. Yeah. Yeah. Yep. Yep. Yep. Yeah. I I just think it's way too expensive for what it is. Like, $3,600. No. I no. It's not at all. And the way that the market has been, that's a lot to be taking out in one go based on the way that everything else has changed. So I no. Yeah. Correct. So I don't see the value in it. Yeah. Yeah. Yep. I'm going to drop the TPD, but I'll keep the life insurance. Yep. So with the life insurance, you said that's a $7.50 payout? What would that look like if that went from $7.50 to an even mil? Okay. I'd rather do that and increase that one and drop the ticket. Yeah. K. Yep. Yep. Yep. That'd be great. Thank you. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Blood pressure I actually was at the doctor's on Saturday. Blood pressure was perfect. Doctor's gone. Your medication, obviously, is doing exactly what it has to do. I have the I have to go get some blood work because I haven't got it done in, like, three or five years or something. That's it at the moment. Okay. General. Because the doctor he goes, when did you get it done after, I don't know, two or three years ago? No. No. I said, well, how long ago? When he goes, five. He's gone. Yeah. Just get it checked. Just get it done. I gotta hear okay. So I went to get it done on Saturday, but there were, like, 25 people in front of me. So I got no. So I'll get it done like this, like and I'm happy just to share. Yeah. I mean, look, as soon as I have it, I'm happy to share those results, and Derek can have a copy of that. That's fine. Yep. Yeah. Can you give me the rating? I do I do not want to. Yeah. Yep. I'm okay with that. That might be this week. Next Tuesday afternoon. 04:00 ish. Yep. Yeah. So it's it's 04:00. It's 04:00. Yeah. Okay. I did ask the other someone rang me the other day, and they hadn't really looked that we're booked in for today. And I've gone, right. Okay. And I've gone with it. If you have it, you can send it to me. I could read it. I am aware of any questions. Before we step through, they go, no. That's not gonna work. I'm like, okay. It's fine. Because I'm on the road a lot, I don't always have that time. So at times, it's it's more convenient for me if I actually have something. I could have read it before then I have a conversation about it. But I also get yep. Yeah. Oh, yeah. Yep. But, look, send that straight for me, and, mate, I'll have a look as long as it's, like, everything that we've discussed. I'll, give you a day sign and send it back to you. Yep. Yeah. No. That's fine. No, mate. All I need to do is just have a little bit of time and actually have a read just tick boxes. That's it. Yeah. Alright. Appreciate it. Thanks, Tony. Okay. Sounds good. Alright. You too. 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Jason speaking. Good. How are you? Yep.\n\nYeah. That's fine. You'll have to sit me through it because I'm driving at the moment. Yep. Nope.\n\nIt hasn't yet. Right. Yep. Yep. Oh, you there?\n\nYeah. I'm sorry. Yep. Yep. Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Excellent. Yep. Yeah. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. So the the towel one, the the total disability, what's the Tel insurance as it currently is? Okay. And now for the other one is a life insurance policy.\n\nSo there's a question. Do I need to tell one if the other one does disability and death? Okay. Right. Yep.\n\nYep. Yep. Okay. How much of these things? Because how I believe that this total disability, I feel is exceptionally expensive.\n\nYep. I'm tempted to drop towel and just have the other one. Yep. Yep. Because that that's because well, look.\n\nI I just like, the towel just continually seems to get more and more expensive. And, like, realistically, I thought I only asked for life insurance. Then I end up with this TPD without any life insurance. The thing's costing me over $3 a year. Like and and it isn't actually what I thought I was getting.\n\nYeah. I just do you do you have it? Do you have both of these covers? Yep. Yep.\n\nOkay. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. I I just think it's way too expensive for what it is. Like, $3,600. No.\n\nI no. It's not at all. And the way that the market has been, that's a lot to be taking out in one go based on the way that everything else has changed. So I no. Yeah.\n\nCorrect. So I don't see the value in it. Yeah. Yeah. Yep.\n\nI'm going to drop the TPD, but I'll keep the life insurance. Yep. So with the life insurance, you said that's a $7.50 payout? What would that look like if that went from $7.50 to an even mil? Okay.\n\nI'd rather do that and increase that one and drop the ticket. Yeah. K. Yep. Yep.\n\nYep. That'd be great. Thank you. Yep. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nBlood pressure I actually was at the doctor's on Saturday. Blood pressure was perfect. Doctor's gone. Your medication, obviously, is doing exactly what it has to do. I have the I have to go get some blood work because I haven't got it done in, like, three or five years or something.\n\nThat's it at the moment. Okay. General. Because the doctor he goes, when did you get it done after, I don't know, two or three years ago? No.\n\nNo. I said, well, how long ago? When he goes, five. He's gone. Yeah.\n\nJust get it checked. Just get it done. I gotta hear okay. So I went to get it done on Saturday, but there were, like, 25 people in front of me. So I got no.\n\nSo I'll get it done like this, like and I'm happy just to share. Yeah. I mean, look, as soon as I have it, I'm happy to share those results, and Derek can have a copy of that. That's fine. Yep.\n\nYeah. Can you give me the rating? I do I do not want to. Yeah. Yep.\n\nI'm okay with that. That might be this week. Next Tuesday afternoon. 04:00 ish. Yep.\n\nYeah. So it's it's 04:00. It's 04:00. Yeah. Okay.\n\nI did ask the other someone rang me the other day, and they hadn't really looked that we're booked in for today. And I've gone, right. Okay. And I've gone with it. If you have it, you can send it to me.\n\nI could read it. I am aware of any questions. Before we step through, they go, no. That's not gonna work. I'm like, okay.\n\nIt's fine. Because I'm on the road a lot, I don't always have that time. So at times, it's it's more convenient for me if I actually have something. I could have read it before then I have a conversation about it. But I also get yep.\n\nYeah. Oh, yeah. Yep. But, look, send that straight for me, and, mate, I'll have a look as long as it's, like, everything that we've discussed. I'll, give you a day sign and send it back to you.\n\nYep. Yeah. No. That's fine. No, mate.\n\nAll I need to do is just have a little bit of time and actually have a read just tick boxes. That's it. Yeah. Alright. Appreciate it.\n\nThanks, Tony. Okay. Sounds good. Alright. You too.\n\nEnjoy the rest of your afternoon. Cheers, mate. 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things?","start":356.255,"end":357.61502,"sentiment":"neutral","sentiment_score":-0.21221598982810974},{"text":"Because how I believe that this total disability, I feel is exceptionally expensive.","start":357.61502,"end":363.16998,"sentiment":"negative","sentiment_score":-0.5873643389114966}],"sentiment":"negative","sentiment_score":-0.4209216394062553,"num_words":21,"start":345.27,"end":363.16998},{"sentences":[{"text":"Yep.","start":373.15,"end":373.65,"sentiment":"neutral","sentiment_score":0.2144746482372284},{"text":"I'm tempted to drop towel and just have the other one.","start":395.03,"end":397.77002,"sentiment":"neutral","sentiment_score":-0.05461078171025623},{"text":"Yep.","start":401.51,"end":402.01,"sentiment":"neutral","sentiment_score":-0.05469954013824463},{"text":"Yep.","start":402.79,"end":403.29,"sentiment":"neutral","sentiment_score":-0.022940708324313164},{"text":"Because that that's because well, 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that look like if that went from $7.50 to an even mil?","start":656.685,"end":660.78503,"sentiment":"neutral","sentiment_score":-0.04965152671294553},{"text":"Okay.","start":662.925,"end":663.425,"sentiment":"neutral","sentiment_score":-0.07367447018623352}],"sentiment":"neutral","sentiment_score":-0.025203966463987645,"num_words":39,"start":618.72003,"end":663.425},{"sentences":[{"text":"I'd rather do that and increase that one and drop the 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did ask the other someone rang me the other day, and they hadn't really looked that we're booked in for today.","start":943.79004,"end":951.01,"sentiment":"neutral","sentiment_score":-0.1645260944285176},{"text":"And I've gone, right.","start":951.47003,"end":953.97504,"sentiment":"neutral","sentiment_score":-0.044480846263468266},{"text":"Okay.","start":953.97504,"end":954.375,"sentiment":"neutral","sentiment_score":0.055704616010189056},{"text":"And I've gone with it.","start":954.375,"end":955.175,"sentiment":"neutral","sentiment_score":0.05558142466470599},{"text":"If you have it, you can send it to me.","start":955.175,"end":957.575,"sentiment":"neutral","sentiment_score":0.06757668629288674}],"sentiment":"neutral","sentiment_score":-0.0663837823861589,"num_words":42,"start":943.79004,"end":957.575},{"sentences":[{"text":"I could read it.","start":957.575,"end":958.615,"sentiment":"neutral","sentiment_score":0.05395866883918643},{"text":"I am aware of any questions.","start":958.615,"end":960.155,"sentiment":"neutral","sentiment_score":-0.08401526386539142},{"text":"Before we step through, they go, no.","start":960.455,"end":961.895,"sentiment":"negative","sentiment_score":-0.33479246497154236},{"text":"That's not gonna work.","start":961.895,"end":963.115,"sentiment":"negative","sentiment_score":-0.49386638030409813},{"text":"I'm like, okay.","start":963.175,"end":963.895,"sentiment":"neutral","sentiment_score":0.10142276808619499}],"sentiment":"neutral","sentiment_score":-0.1792917241497586,"num_words":24,"start":957.575,"end":963.895},{"sentences":[{"text":"It's fine.","start":963.895,"end":964.555,"sentiment":"neutral","sentiment_score":0.21615364402532578},{"text":"Because I'm on the road a lot, I don't always have that time.","start":966.02997,"end":970.69,"sentiment":"neutral","sentiment_score":-0.01411441183434083},{"text":"So at times, it's it's more convenient for me if I actually have something.","start":970.82996,"end":974.58997,"sentiment":"neutral","sentiment_score":0.10517334352646555},{"text":"I could have read it before then I have a conversation about it.","start":974.58997,"end":977.73,"sentiment":"neutral","sentiment_score":0.08720406259481724},{"text":"But I also get yep.","start":978.67,"end":984.615,"sentiment":"neutral","sentiment_score":0.12787821160163731}],"sentiment":"neutral","sentiment_score":0.07434660883650104,"num_words":47,"start":963.895,"end":984.615},{"sentences":[{"text":"Yeah.","start":990.995,"end":991.495,"sentiment":"neutral","sentiment_score":-0.09604974091053008},{"text":"Oh, yeah.","start":998.07,"end":998.64996,"sentiment":"neutral","sentiment_score":0.023584592156112194},{"text":"Yep.","start":1007.855,"end":1008.355,"sentiment":"neutral","sentiment_score":0.10408307611942293},{"text":"But, look, send that straight for me, and, mate, I'll have a look as long as it's, like, everything that we've discussed.","start":1009.135,"end":1016.115,"sentiment":"neutral","sentiment_score":0.19182015549052844},{"text":"I'll, give you a day sign and send it back to you.","start":1016.575,"end":1019.475,"sentiment":"neutral","sentiment_score":0.24041267111897469}],"sentiment":"neutral","sentiment_score":0.18842626299316945,"num_words":38,"start":990.995,"end":1019.475},{"sentences":[{"text":"Yep.","start":1027.04,"end":1027.54,"sentiment":"neutral","sentiment_score":0.15182331204414368},{"text":"Yeah.","start":1037.0851,"end":1037.5851,"sentiment":"neutral","sentiment_score":0.059538334608078},{"text":"No.","start":1037.645,"end":1037.805,"sentiment":"neutral","sentiment_score":0.10272111743688583},{"text":"That's fine.","start":1037.805,"end":1042.285,"sentiment":"neutral","sentiment_score":0.2098580226302147},{"text":"No, mate.","start":1042.285,"end":1042.845,"sentiment":"neutral","sentiment_score":0.10894284397363664}],"sentiment":"neutral","sentiment_score":0.1359549281852586,"num_words":7,"start":1027.04,"end":1042.845},{"sentences":[{"text":"All I need to do is just have a little bit of time and actually have a read just tick boxes.","start":1042.845,"end":1047.345,"sentiment":"neutral","sentiment_score":0.0540637272809233},{"text":"That's it.","start":1048.285,"end":1049.105,"sentiment":"neutral","sentiment_score":0.07544925436377525},{"text":"Yeah.","start":1050.045,"end":1050.545,"sentiment":"neutral","sentiment_score":0.27663654088974},{"text":"Alright.","start":1052.24,"end":1052.64,"sentiment":"positive","sentiment_score":0.4028134346008301},{"text":"Appreciate it.","start":1052.64,"end":1053.2799,"sentiment":"positive","sentiment_score":0.6046935617923737}],"sentiment":"neutral","sentiment_score":0.11759532891489842,"num_words":27,"start":1042.845,"end":1053.2799},{"sentences":[{"text":"Thanks, Tony.","start":1053.2799,"end":1054.02,"sentiment":"positive","sentiment_score":0.44713515043258667},{"text":"Okay.","start":1063.135,"end":1063.455,"sentiment":"neutral","sentiment_score":0.24016395211219788},{"text":"Sounds good.","start":1063.455,"end":1064.275,"sentiment":"neutral","sentiment_score":0.3197670578956604},{"text":"Alright.","start":1065.9349,"end":1066.4349,"sentiment":"positive","sentiment_score":0.5846959352493286},{"text":"You too.","start":1067.0549,"end":1067.455,"sentiment":"positive","sentiment_score":0.6424150466918945}],"sentiment":"positive","sentiment_score":0.4554367996752262,"num_words":8,"start":1053.2799,"end":1067.455},{"sentences":[{"text":"Enjoy the rest of your afternoon.","start":1067.455,"end":1068.755,"sentiment":"positive","sentiment_score":0.719842940568924},{"text":"Cheers, mate.","start":1070.095,"end":1070.575,"sentiment":"positive","sentiment_score":0.41176116466522217},{"text":"Bye.","start":1070.575,"end":1071.075,"sentiment":"neutral","sentiment_score":-0.09713494032621384}],"sentiment":"positive","sentiment_score":0.560605003601975,"num_words":9,"start":1067.455,"end":1071.075}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jason speaking.\n\nChannel 0: Jason, it's Tommy here, senior adviser from IQ. How are you going, sir?\n\nChannel 1: Good. How are you?\n\nChannel 0: Right. Living the dream. Absolutely living the dream. Right. I'm just giving you a call to go through that that advice piece I'm sending through to you.\n\nDo you have a bit\n\nChannel 1: Yep.\n\nChannel 0: of time now for me?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Cool. Now I'm gonna pop it through to your email. Will you be able to look onto the document with me, or do you want me to just walk you through it?\n\nChannel 1: You'll have to sit me through it because I'm driving at the moment.\n\nChannel 0: No worries at all, sir. I'll go over the key points, and then if you can just kind of read over it in your own time and call back with any questions, that'd be fabulous.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Now just usual, the calls are recorded for training quality purposes. And for security, do you remember your client password, Jason? Sorry. Cut out there for a second.\n\nChannel 1: Nope. It hasn't\n\nChannel 0: I was just\n\nChannel 1: yet.\n\nChannel 0: after your password.\n\nChannel 1: Right.\n\nChannel 0: That's the one. Thank you so much, mate. Appreciate it. So I'm just popping this through to your y seven mail. Now just\n\nChannel 1: Yep.\n\nChannel 0: to sort of let you know what's coming, it's got a statement of advice there, insurance quotes for that life insurance,\n\nChannel 1: Yep.\n\nChannel 0: as well as just supporting documentation. There's an appendix there. There's an updated service guide, all that kind of thing.\n\nChannel 1: Oh, you there?\n\nChannel 0: Yep. Gotcha. Sorry\n\nChannel 1: Yeah.\n\nChannel 0: about that,\n\nChannel 1: I'm\n\nChannel 0: mate.\n\nChannel 1: sorry.\n\nChannel 0: I've popped that through to you. It's got all those documents there. Now\n\nChannel 1: Yep.\n\nChannel 0: couple of quick things that I wanna just run through with you as well. So that advice document, we were doing two main things. We were just doing a quick update to your portfolio for the super,\n\nChannel 1: Yep.\n\nChannel 0: because if you remember, there was we were a bit alarmed by the volatility given that your balance growth, and we were\n\nChannel 1: Yep.\n\nChannel 0: trying to get a bit of a fix for that. Does that ring a bell? Yep. And then there was just that life insurance to add on with your TPD. Perfect.\n\nSo I'm just gonna bring up the updated document there. Now with the portfolio update so I found the issue with the volatility\n\nChannel 1: Yep.\n\nChannel 0: was that\n\nChannel 1: Yep.\n\nChannel 0: one Australian shares option that was underperforming. Its volatility compared to every other Australian shares option was about 10 times as much as we would expect.\n\nChannel 1: Yep.\n\nChannel 0: All the rest of your investments were pretty well fine.\n\nChannel 1: Okay.\n\nChannel 0: So what I've basically done, if you recall, we had a quick chat to make sure that we kept you in some low fee index funds, which were a little bit more straightforward, a little bit less volatility. The the option that I've found\n\nChannel 1: Yep.\n\nChannel 0: is pretty much like a 90% reduction in the risk for that option, much better\n\nChannel 1: Yep.\n\nChannel 0: performance, much lower fees. Combined with all the rest of it, it pretty well fixes the issue for you.\n\nChannel 1: Excellent.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to the life insurance, I had to do a little bit of wizardry, and you'll have to forgive me for this. We were putting together life insurance, and I double checked with Tao. And Tao, we're doing this weird thing where because you've already got TPD insurance. In order to add the life insurance on, they do something called a cancel and replace, which resets\n\nChannel 1: Yeah.\n\nChannel 0: both policies.\n\nChannel 1: Okay.\n\nChannel 0: Now the problem with that is that both policies go through full underwriting again.\n\nChannel 1: Yep.\n\nChannel 0: Now when they go through full underwriting again, it means that there's a risk of your TPD insurance copying, like, a loading or an additional exclusion from anything that shows up for the life insurance application, which I didn't wanna do.\n\nChannel 1: Yep.\n\nChannel 0: Now I've actually found an insurer, a separate one, who is gonna offer you the life insurance with basically 90% chance of it not having a loading on it, and it won't impact your your existing TPD cover, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Now it's actually even sort of more affordable than the other one as well. So premiums are much lower like for like. It's the same kind of 750,000 that equals your your TPD insurance.\n\nChannel 1: Yep. Yep.\n\nChannel 0: It just does mean that you're gonna be going kind of with two different insurers, but we\n\nChannel 1: Yep.\n\nChannel 0: can handle that for you. So in terms of when we do a review, we get all your certificates of currency to package up for you. If you ever go on a claim, we can help you with the claims whichever type of policy it is. Okay? Any sort\n\nChannel 1: Okay.\n\nChannel 0: of questions or thoughts or queries on that to begin with?\n\nChannel 1: So the the towel one, the the total disability, what's the Tel insurance as it currently is?\n\nChannel 0: Correct. So that's total and permanent disability. And what that basically does is if you're never able to work again, you're in a car accident, but you're still here, there's a lump sum there of close to 750,000, pay off the mortgage, let you live off of it, that kind of thing.\n\nChannel 1: Okay. And now for the other one is a life insurance policy.\n\nChannel 0: Correct. So that's kind of like a sister policy there. One covers you for death. One covers you for disability.\n\nChannel 1: So there's a question. Do I need to tell one if the other one does disability and death?\n\nChannel 0: The other one doesn't do disability. It only does the\n\nChannel 1: Okay.\n\nChannel 0: life part portion. They kind of go hand in hand. And there is a possibility that let's say I have actually seen this happen before. If\n\nChannel 1: Right.\n\nChannel 0: you're\n\nChannel 1: Yep.\n\nChannel 0: in a car accident and you're declared TBD, totally disabled,\n\nChannel 1: Yep.\n\nChannel 0: then you get your lump sum from that cover. And then if you pass away afterwards, you get your life insurance on top of that, and it's a bit of a double double claim for your family.\n\nChannel 1: Yep. Okay. How much of these things? Because how I believe that this total disability, I feel is exceptionally expensive.\n\nChannel 0: Alright. I'm gonna bring up so the quote for your life insurance is only about after the rebate, 1,082.\n\nChannel 1: Yep.\n\nChannel 0: So that's pretty good. Just bear with me for a moment. I'm gonna pull up your towel policy, if that's okay. It'll only take me about four seconds. Here we go.\n\nTow COC. K. Yeah. Tau is the big one. So Tau is 3,600.\n\nChannel 1: I'm tempted to drop towel and just have the other one.\n\nChannel 0: You're thinking go without TPD at all and just have\n\nChannel 1: Yep.\n\nChannel 0: life insurance only?\n\nChannel 1: Yep.\n\nChannel 0: K?\n\nChannel 1: Because\n\nChannel 0: Don't want\n\nChannel 1: that\n\nChannel 0: me to\n\nChannel 1: that's\n\nChannel 0: do any of it.\n\nChannel 1: because\n\nChannel 0: Sure.\n\nChannel 1: well, look. I I just like, the towel just continually seems to get more and more expensive. And, like, realistically, I thought I only asked for life insurance. Then I end up with this TPD without any life insurance. The thing's costing me over $3 a year.\n\nLike and and it isn't actually what I thought I was getting.\n\nChannel 0: Yeah. And I did have a little bit of a quick check back on the old archive, and I think there was a bit of a note there that we were trying to line up life insurance when you purchased a property or something like that. But if you don't want the policy, mate, no one's gonna force you to keep it as long as you\n\nChannel 1: Yeah.\n\nChannel 0: understand the risks of not having that type of cover. That's all.\n\nChannel 1: I just do you do you have it?\n\nChannel 0: Do I\n\nChannel 1: Do\n\nChannel 0: have\n\nChannel 1: you\n\nChannel 0: that cover?\n\nChannel 1: have both of these covers?\n\nChannel 0: Yeah. I'm one of those ones where out of the four insurances, life, TPD, income protection, and trauma, I've got my life\n\nChannel 1: Yep.\n\nChannel 0: and TPD to cover the mortgage for the fam. That's my main thing.\n\nChannel 1: Yep. Okay.\n\nChannel 0: It is you're exactly right. It's gonna get\n\nChannel 1: Yeah.\n\nChannel 0: more expensive. And because it's step premiums and with age and everything, that'll be 4,000, then 5,000, and in ten years' time, it'll be 10,000. And the whole idea is that once you've got like, a mortgage, you build up your super, you pay off the debt, you don't need the insurance, you can reduce it down.\n\nChannel 1: Yeah.\n\nChannel 0: So it is a bit of a juggling act, and that's part of what we do is we go, okay. What impact is this having on your super? Are you still actually gonna hit your goal? And if not,\n\nChannel 1: Yep.\n\nChannel 0: do we reduce it? Do we chop around? All that kind of thing. I still honestly, like, know full transparency. Tal's given you the best deal in terms of the TPD underwriting side of things, but\n\nChannel 1: Yep.\n\nChannel 0: the premiums, they're just gonna get bigger and bigger. We usually put a bit of a cap where we say, okay. If it's below 30% of your contributions, we should still be able to get enough growth and contributions to get you to your goal and\n\nChannel 1: Yep.\n\nChannel 0: keep reducing it down from there. So I can do reduction quotes. I can cancel. Up to you on that one. I can do some updated projections to sort of see how you're looking, and if we can kind of juggle it for a few years and just slowly reduce it down over five years or something like that.\n\nThoughts?\n\nChannel 1: Yeah. I I just think it's way too expensive for what it is.\n\nChannel 0: Yeah.\n\nChannel 1: Like, $3,600. No.\n\nChannel 0: It's\n\nChannel 1: I\n\nChannel 0: not chump change.\n\nChannel 1: no. It's not at all. And the way that the market has been, that's a lot to be taking out in one go based on\n\nChannel 0: Yeah.\n\nChannel 1: the way that everything else has changed.\n\nChannel 0: And it's not\n\nChannel 1: So\n\nChannel 0: like those\n\nChannel 1: I\n\nChannel 0: monthly premiums where it spreads it out over the year.\n\nChannel 1: no.\n\nChannel 0: If you have the market dip and then that premium come out, it takes a lot\n\nChannel 1: Yeah.\n\nChannel 0: longer to kind of regain that when the market goes back up.\n\nChannel 1: Correct. So I don't see the value in it.\n\nChannel 0: Yeah. And it's one of those things that I've gotta be like, again, full transparency. When you\n\nChannel 1: Yeah.\n\nChannel 0: hit your fifties, TPD and income protections start to skyrocket the most. Life\n\nChannel 1: Yeah.\n\nChannel 0: insurance is okay to maintain for quite a while, but if you were 30, that TPD insurance would be like $900.\n\nChannel 1: Yep.\n\nChannel 0: And it does not get prettier through your fifties.\n\nChannel 1: I'm going to drop the TPD, but I'll keep the life insurance.\n\nChannel 0: K. So if you're comfortable with that, I'll do a quick amendment to the document\n\nChannel 1: Yep.\n\nChannel 0: that I'm sending out to you. I can even update the projection so you can kind of see. We do include an insurance impact table, so you can see how big of an impact it's having. And if you're comfortable with that, mate, we can help you cancel that one and go through just that application for the life insurance instead.\n\nChannel 1: So with the life insurance, you said that's a $7.50 payout?\n\nChannel 0: Yes.\n\nChannel 1: What would that look like if that went from $7.50 to an even mil?\n\nChannel 0: An even mil.\n\nChannel 1: Okay.\n\nChannel 0: That's an extra third on top, a thousand and 82, an extra couple $100.\n\nChannel 1: I'd rather do that and increase that one and drop the ticket.\n\nChannel 0: Yep. Altogether.\n\nChannel 1: Yeah.\n\nChannel 0: K. Let me have a quick look. I'm just got your fact find in front of me there. Yeah. Look.\n\nOne of those things was the the idea of purchasing a property, and you don't have that debt right now. So what's that TPD kind of covering? Do you know what I mean?\n\nChannel 1: K.\n\nChannel 0: So if it's for future liabilities, that's a lot of money to come out for something that's not there yet.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. So push it up to a mill, drop\n\nChannel 1: Yep.\n\nChannel 0: the TBD, and then I\n\nChannel 1: Yep.\n\nChannel 0: can send that through to\n\nChannel 1: That'd be great. Thank\n\nChannel 0: you.\n\nChannel 1: you.\n\nChannel 0: Cool. Now I won't give you another call to go through it with you because we've already had the discussion. All I'll do is amend it and shoot it through,\n\nChannel 1: Yep.\n\nChannel 0: have a read, make sure you're comfortable. It does include, again, like, our service agreement and stuff like that. So if you have any questions on the fees or anything, please let me know. But all of that's\n\nChannel 1: Yep.\n\nChannel 0: there. The next step is literally just to get you in for a it's usually about twenty five minutes to go through the personal statement with Zurich, and\n\nChannel 1: Yep.\n\nChannel 0: my team member, Jack, can run through that with you pretty quickly. Life insurance doesn't ask as many questions as TPD, so it's a bit of a\n\nChannel 1: Yep.\n\nChannel 0: quicker application. K? The only question I have for you when it comes to, like, the health side of things,\n\nChannel 1: Okay.\n\nChannel 0: Zurich were\n\nChannel 1: Yep.\n\nChannel 0: really good when it comes to things like BMI and blood pressure, but they\n\nChannel 1: Yep.\n\nChannel 0: just wanted to make sure that the blood pressure was a good rating and well controlled with medication.\n\nChannel 1: Blood pressure I actually was at the doctor's on Saturday.\n\nChannel 0: Oh, yeah?\n\nChannel 1: Blood pressure was perfect. Doctor's gone. Your medication, obviously, is doing exactly what it has to do. I have the I have to go get some blood work because I haven't got it done in, like, three or five years or something. That's it at the moment.\n\nChannel 0: Yep. And is that blood work for anything specific, or is it general checkup just with age?\n\nChannel 1: Okay. General. Because the doctor he goes, when did you get it done after, I don't know, two or three years ago? No. No.\n\nI said, well, how long ago? When he goes, five. He's gone. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just get it checked. Just get it\n\nChannel 0: Yeah.\n\nChannel 1: done. I gotta hear\n\nChannel 0: What\n\nChannel 1: okay. So\n\nChannel 0: now?\n\nChannel 1: I went to get it done on Saturday, but there were, like, 25 people in front of me. So I got no. So I'll get it\n\nChannel 0: Yeah.\n\nChannel 1: done like\n\nChannel 0: That's\n\nChannel 1: this,\n\nChannel 0: an\n\nChannel 1: like\n\nChannel 0: hour's\n\nChannel 1: and I'm\n\nChannel 0: long\n\nChannel 1: happy\n\nChannel 0: wait.\n\nChannel 1: just to share. Yeah. I mean, look, as soon as I have it, I'm happy to share those results, and Derek can have a copy of that. That's fine.\n\nChannel 0: Yeah. That's cool. Look. Usually, for general checkups, they're okay. Sometimes\n\nChannel 1: Yep.\n\nChannel 0: if there's a specific investigation, they wanna see the results first in case, you know, you get diagnosed with cancer four days after the the damn policy goes in force. Outside of that, when we go through that personal statement, if\n\nChannel 1: Yeah.\n\nChannel 0: you can have your your blood pressure ratings available, if you've got that document, we can just punch it into the application, and they can pretty much skip through that.\n\nChannel 1: Can you give me the rating? I do I do not want to.\n\nChannel 0: Yeah. I mean, worst case scenario, they do the old shoot off a report to the doctor to quickly check what the reading was. It just delays the application by a week or two depending on how quick the doctors turn around the document, but\n\nChannel 1: Yeah.\n\nChannel 0: it's not usually too much of an issue. Fair warning, if they find something random in there that they don't know about, they're obviously gonna try and poke a hole in it. But if it's just that, it should be alright.\n\nChannel 1: Yep. I'm okay with that.\n\nChannel 0: Cool. Alrighty. Mate, did you want me to find a time to book you in now for that application? Because I can get that document to you tomorrow. I do have a calendar open in front of me if you did have your availability to go through the application next week or later this week.\n\nChannel 1: That might be this week. Next Tuesday afternoon.\n\nChannel 0: Yep. Tuesday afternoon. Alright.\n\nChannel 1: 04:00\n\nChannel 0: Two.\n\nChannel 1: ish.\n\nChannel 0: Alright. Now there's usually a couple of people that I've got that can do it around that time. If there's any issues at all that we we don't have anyone available, I'll let them text, call, and email you straight away, but I\n\nChannel 1: Yep.\n\nChannel 0: can put it in for 04:00. Thank god we don't have daylight savings, so it's\n\nChannel 1: Yeah.\n\nChannel 0: perfect\n\nChannel 1: So\n\nChannel 0: there.\n\nChannel 1: it's it's 04:00. It's 04:00.\n\nChannel 0: Yes. 04:00 is 04:00. I think it's twenty past now.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. I'll go personal statement, Zurich for Jason. Done and done and done. Alright. Yeah.\n\nSo don't I'm gonna just resend that email I've just sent you so I can make the adjustments. So don't sign anything straight away, and I'll shoot you a text once I've got that updated document through to you.\n\nChannel 1: Okay. I did ask the other someone rang me the other day, and they hadn't really looked that we're booked in for today. And I've gone, right. Okay. And I've gone with it.\n\nIf you have it, you can send it to me. I could read it. I am aware of any questions. Before we step through, they go, no. That's not gonna work.\n\nI'm like, okay. It's fine. Because I'm on the road a lot, I don't\n\nChannel 0: Yeah.\n\nChannel 1: always have that time. So at times, it's it's more convenient for me if I actually have something. I could have read it before then I have a conversation about it.\n\nChannel 0: Yeah. And\n\nChannel 1: But\n\nChannel 0: look,\n\nChannel 1: I also\n\nChannel 0: I'm\n\nChannel 1: get\n\nChannel 0: totally fine to send it through to you to read and go through any questions you have.\n\nChannel 1: yep.\n\nChannel 0: One of the sort of standard policies we got is we don't want clients signing something if we don't know we've talked about it, And\n\nChannel 1: Yeah.\n\nChannel 0: that's just something where if someone just ticks it without knowing what's in there, we can get in a lot of trouble for that. But because\n\nChannel 1: Oh, yeah.\n\nChannel 0: we've had that conversation, mate, I'm totally fine to send it through to you. You have a read, and then that way we can make the conversations a bit more concise\n\nChannel 1: Yep. But, look, send that straight for me, and, mate, I'll have a look as long as it's, like, everything that we've discussed.\n\nChannel 0: and\n\nChannel 1: I'll, give you a\n\nChannel 0: meaningful.\n\nChannel 1: day\n\nChannel 0: Yep.\n\nChannel 1: sign and send it back to you.\n\nChannel 0: Perfect. I think there'll be a couple of extra little inclusions there about, you know, make sure your will is in place and and all that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: I didn't spend an exhaustive amount of time updating some of your details. So if there's anything that's inaccurate, just flick me a message and I can bump it up, and it should be pretty close.\n\nChannel 1: Yeah. No. That's\n\nChannel 0: Cool, Jason. Mate, any questions for me before I let you go?\n\nChannel 1: fine. No, mate. All I need to do is just have a little bit of time and actually have a read just tick boxes. That's it.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Easy done.\n\nChannel 1: Alright. Appreciate it. Thanks, Tony.\n\nChannel 0: No. Thank you for your time, sir. I will get that through to you in twenty four hours, and I've got you tentatively booked in for 04:00 next Tuesday.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Sensational, mate. Have a fantastic\n\nChannel 1: Alright.\n\nChannel 0: day.\n\nChannel 1: You too. Enjoy the rest of your afternoon.\n\nChannel 0: Cheers, mate. Bye.\n\nChannel 1: Cheers, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.68,"sentiment":"neutral","sentiment_score":0.045655425637960434},{"text":"Jason speaking.","start":1.68,"end":2.58,"sentiment":"neutral","sentiment_score":0.04004506766796112}],"sentiment":"neutral","sentiment_score":0.04191518699129423,"channel":1,"num_words":3,"start":1.1999999,"end":2.58},{"sentences":[{"text":"Jason, it's Tommy here, senior adviser from IQ.","start":3.04,"end":5.52,"sentiment":"neutral","sentiment_score":0.08157571777701378},{"text":"How are you going, sir?","start":5.52,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2017066538333893}],"sentiment":"neutral","sentiment_score":0.1277799239525428,"channel":0,"num_words":13,"start":3.04,"end":6.8999996},{"sentences":[{"text":"Good.","start":7.2799997,"end":7.6,"sentiment":"positive","sentiment_score":0.4566307067871094},{"text":"How are 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me?","start":17.775,"end":18.995,"sentiment":"neutral","sentiment_score":0.01701909825205803}],"sentiment":"neutral","sentiment_score":0.01701909825205803,"channel":0,"num_words":5,"start":17.775,"end":18.995},{"sentences":[{"text":"Yeah.","start":19.155,"end":19.395,"sentiment":"neutral","sentiment_score":0.08819931745529175},{"text":"That's fine.","start":19.395,"end":20.295,"sentiment":"neutral","sentiment_score":0.22043075412511826}],"sentiment":"neutral","sentiment_score":0.17635360856850943,"channel":1,"num_words":3,"start":19.155,"end":20.295},{"sentences":[{"text":"Cool.","start":20.654999,"end":21.055,"sentiment":"positive","sentiment_score":0.3684352040290833},{"text":"Now I'm gonna pop it through to your email.","start":21.055,"end":22.975,"sentiment":"neutral","sentiment_score":0.2612724718120363},{"text":"Will you be able to look onto the document with me, or do you want me to just walk you through it?","start":22.975,"end":26.43,"sentiment":"neutral","sentiment_score":0.15252268890088255}],"sentiment":"neutral","sentiment_score":0.1898558314424008,"channel":0,"num_words":32,"start":20.654999,"end":26.43},{"sentences":[{"text":"You'll have to sit me through it because I'm driving at the moment.","start":26.675,"end":29.494999,"sentiment":"neutral","sentiment_score":0.0797567072396095}],"sentiment":"neutral","sentiment_score":0.0797567072396095,"channel":1,"num_words":13,"start":26.675,"end":29.494999},{"sentences":[{"text":"No worries at all, sir.","start":30.19,"end":31.470001,"sentiment":"neutral","sentiment_score":0.3164171397686005},{"text":"I'll go over the key points, and then if you can just kind of read over it in your own time and call back with any questions, that'd be 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Jason?","start":43.245,"end":46.145,"sentiment":"neutral","sentiment_score":0.03567799106240273},{"text":"Sorry.","start":53.42,"end":53.82,"sentiment":"neutral","sentiment_score":-0.028110358864068985},{"text":"Cut out there for a second.","start":53.82,"end":55.12,"sentiment":"neutral","sentiment_score":-0.035568975222607456}],"sentiment":"neutral","sentiment_score":0.05906315886511885,"channel":0,"num_words":29,"start":39.085,"end":55.12},{"sentences":[{"text":"Nope.","start":54.885,"end":55.045,"sentiment":"neutral","sentiment_score":-0.09332001209259032},{"text":"It hasn't","start":55.045,"end":55.605,"sentiment":"neutral","sentiment_score":-0.09799611568450928}],"sentiment":"neutral","sentiment_score":-0.09643741448720296,"channel":1,"num_words":3,"start":54.885,"end":55.605},{"sentences":[{"text":"I was 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got a statement of advice there, insurance quotes for that life insurance,","start":67.155,"end":74.134995,"sentiment":"neutral","sentiment_score":0.08394762731733776}],"sentiment":"neutral","sentiment_score":0.08394762731733776,"channel":0,"num_words":21,"start":67.155,"end":74.134995},{"sentences":[{"text":"Yep.","start":74.6,"end":75.1,"sentiment":"neutral","sentiment_score":0.11133313179016112}],"sentiment":"neutral","sentiment_score":0.11133313179016112,"channel":1,"num_words":1,"start":74.6,"end":75.1},{"sentences":[{"text":"as well as just supporting documentation.","start":75.555,"end":77.335,"sentiment":"neutral","sentiment_score":0.10273602604866028},{"text":"There's an appendix there.","start":77.395,"end":78.854996,"sentiment":"neutral","sentiment_score":0.0711330734193325},{"text":"There's an updated service guide, all that kind of 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towel one, the the total disability, what's the Tel insurance as it currently is?","start":277.965,"end":290.04,"sentiment":"neutral","sentiment_score":-0.01107910050846198}],"sentiment":"neutral","sentiment_score":-0.01107910050846198,"channel":1,"num_words":17,"start":277.965,"end":290.04},{"sentences":[{"text":"Correct.","start":290.81,"end":291.28998,"sentiment":"neutral","sentiment_score":0.03550475835800171},{"text":"So that's total and permanent disability.","start":291.28998,"end":293.47,"sentiment":"neutral","sentiment_score":0.022575949008266132},{"text":"And what that basically does is if you're never able to work again, you're in a car accident, but you're still here, there's a lump sum there of close to 750,000, pay off the mortgage, let you live off of it, that kind of 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a car accident and you're declared TBD, totally disabled,","start":340.83002,"end":345.55002,"sentiment":"neutral","sentiment_score":-0.012114638183265924}],"sentiment":"neutral","sentiment_score":-0.012114638183265924,"channel":0,"num_words":10,"start":340.83002,"end":345.55002},{"sentences":[{"text":"Yep.","start":345.27,"end":345.77,"sentiment":"neutral","sentiment_score":0.009995995089411736}],"sentiment":"neutral","sentiment_score":0.009995995089411736,"channel":1,"num_words":1,"start":345.27,"end":345.77},{"sentences":[{"text":"then you get your lump sum from that cover.","start":345.55002,"end":347.57,"sentiment":"neutral","sentiment_score":0.008561687543988228},{"text":"And then if you pass away afterwards, you get your life insurance on top of that, and it's a bit of a double double claim for your 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not,","start":508.655,"end":509.475,"sentiment":"neutral","sentiment_score":-0.05639449506998062}],"sentiment":"neutral","sentiment_score":0.06324479155815564,"channel":0,"num_words":39,"start":500.64,"end":509.475},{"sentences":[{"text":"Yep.","start":509.04,"end":509.54,"sentiment":"neutral","sentiment_score":-0.03692394122481346}],"sentiment":"neutral","sentiment_score":-0.03692394122481346,"channel":1,"num_words":1,"start":509.04,"end":509.54},{"sentences":[{"text":"do we reduce it?","start":509.535,"end":510.575,"sentiment":"neutral","sentiment_score":-0.09707594849169254},{"text":"Do we chop around?","start":510.575,"end":511.695,"sentiment":"neutral","sentiment_score":-0.08489766344428062},{"text":"All that kind of thing.","start":511.695,"end":512.835,"sentiment":"neutral","sentiment_score":0.04804486185312271},{"text":"I still honestly, like, know full transparency.","start":513.295,"end":516.755,"sentiment":"neutral","sentiment_score":0.28900511137076784},{"text":"Tal's given you the best deal in terms of the TPD underwriting side of things, but","start":517.215,"end":523.01996,"sentiment":"neutral","sentiment_score":0.2525260141119361}],"sentiment":"neutral","sentiment_score":0.15488282963633537,"channel":0,"num_words":36,"start":509.535,"end":523.01996},{"sentences":[{"text":"Yep.","start":522.71497,"end":523.21497,"sentiment":"neutral","sentiment_score":0.11039894819259644}],"sentiment":"neutral","sentiment_score":0.11039894819259644,"channel":1,"num_words":1,"start":522.71497,"end":523.21497},{"sentences":[{"text":"the premiums, they're just gonna get bigger and bigger.","start":523.01996,"end":525.19995,"sentiment":"neutral","sentiment_score":0.07440978950924343},{"text":"We usually put a bit of a cap where we say, okay.","start":525.74,"end":528.3,"sentiment":"neutral","sentiment_score":0.08732074374953906},{"text":"If it's below 30% of your contributions, we should still be able to get enough growth and contributions to get you to your goal and","start":528.3,"end":536.03503,"sentiment":"neutral","sentiment_score":0.22192527055740358}],"sentiment":"neutral","sentiment_score":0.15794932161984238,"channel":0,"num_words":46,"start":523.01996,"end":536.03503},{"sentences":[{"text":"Yep.","start":535.915,"end":536.415,"sentiment":"neutral","sentiment_score":0.03257640823721886}],"sentiment":"neutral","sentiment_score":0.03257640823721886,"channel":1,"num_words":1,"start":535.915,"end":536.415},{"sentences":[{"text":"keep reducing it down from there.","start":536.03503,"end":537.895,"sentiment":"neutral","sentiment_score":-0.02795265056192875},{"text":"So I can do reduction quotes.","start":538.115,"end":540.275,"sentiment":"neutral","sentiment_score":-0.014738204268117746},{"text":"I can cancel.","start":540.275,"end":541.17505,"sentiment":"neutral","sentiment_score":-0.037487498174111046},{"text":"Up to you on that one.","start":542.275,"end":543.715,"sentiment":"neutral","sentiment_score":0.04396482494970163},{"text":"I can do some updated projections to sort of see how you're looking, and if we can kind of juggle it for a few years and just slowly reduce it down over five years or something like that.","start":543.715,"end":553.27997,"sentiment":"neutral","sentiment_score":0.05469923598789855}],"sentiment":"neutral","sentiment_score":0.03345342870738547,"channel":0,"num_words":59,"start":536.03503,"end":553.27997},{"sentences":[{"text":"Thoughts?","start":554.54,"end":555.04,"sentiment":"neutral","sentiment_score":-0.02376793511211872}],"sentiment":"neutral","sentiment_score":-0.02376793511211872,"channel":0,"num_words":1,"start":554.54,"end":555.04},{"sentences":[{"text":"Yeah.","start":555.235,"end":555.555,"sentiment":"neutral","sentiment_score":-0.25591352581977844},{"text":"I I just think it's way too expensive for what it 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$3,600.","start":562.355,"end":564.45496,"sentiment":"neutral","sentiment_score":-0.15277443826198578},{"text":"No.","start":565.99,"end":566.49,"sentiment":"negative","sentiment_score":-0.3353249430656433}],"sentiment":"neutral","sentiment_score":-0.2136246065298716,"channel":1,"num_words":3,"start":562.355,"end":566.49},{"sentences":[{"text":"It's","start":566.875,"end":567.115,"sentiment":"negative","sentiment_score":-0.363920658826828}],"sentiment":"negative","sentiment_score":-0.363920658826828,"channel":0,"num_words":1,"start":566.875,"end":567.115},{"sentences":[{"text":"I","start":567.02997,"end":567.52997,"sentiment":"negative","sentiment_score":-0.4379495978355408}],"sentiment":"negative","sentiment_score":-0.4379495978355408,"channel":1,"num_words":1,"start":567.02997,"end":567.52997},{"sentences":[{"text":"not chump 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you","start":601.5,"end":601.9,"sentiment":"neutral","sentiment_score":0.007033878937363624}],"sentiment":"neutral","sentiment_score":0.0545047554461395,"channel":0,"num_words":17,"start":596.855,"end":601.9},{"sentences":[{"text":"Yeah.","start":601.73,"end":602.23,"sentiment":"neutral","sentiment_score":-0.00012881681323051453}],"sentiment":"neutral","sentiment_score":-0.00012881681323051453,"channel":1,"num_words":1,"start":601.73,"end":602.23},{"sentences":[{"text":"hit your fifties, TPD and income protections start to skyrocket the 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$900.","start":607.02,"end":613.515,"sentiment":"neutral","sentiment_score":-0.00964802355572049}],"sentiment":"neutral","sentiment_score":-0.00964802355572049,"channel":0,"num_words":21,"start":607.02,"end":613.515},{"sentences":[{"text":"Yep.","start":613.855,"end":614.355,"sentiment":"neutral","sentiment_score":0.08355997502803802}],"sentiment":"neutral","sentiment_score":0.08355997502803802,"channel":1,"num_words":1,"start":613.855,"end":614.355},{"sentences":[{"text":"And it does not get prettier through your fifties.","start":615.435,"end":617.85504,"sentiment":"neutral","sentiment_score":-0.028876473092370562}],"sentiment":"neutral","sentiment_score":-0.028876473092370562,"channel":0,"num_words":9,"start":615.435,"end":617.85504},{"sentences":[{"text":"I'm going to drop the TPD, but I'll keep the life 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mean?","start":690.03,"end":691.09,"sentiment":"neutral","sentiment_score":-0.07556360214948654}],"sentiment":"neutral","sentiment_score":-0.07131581776069873,"channel":0,"num_words":33,"start":682.67004,"end":691.09},{"sentences":[{"text":"K.","start":691.505,"end":692.005,"sentiment":"neutral","sentiment_score":-0.07217016816139221}],"sentiment":"neutral","sentiment_score":-0.07217016816139221,"channel":1,"num_words":1,"start":691.505,"end":692.005},{"sentences":[{"text":"So if it's for future liabilities, that's a lot of money to come out for something that's not there 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an exhaustive amount of time updating some of your details.","start":1027.115,"end":1031.035,"sentiment":"neutral","sentiment_score":0.023781836605989017},{"text":"So if there's anything that's inaccurate, just flick me a message and I can bump it up, and it should be pretty close.","start":1031.035,"end":1036.34,"sentiment":"neutral","sentiment_score":0.04780728495477334}],"sentiment":"neutral","sentiment_score":0.03913142860660122,"channel":0,"num_words":36,"start":1027.115,"end":1036.34},{"sentences":[{"text":"Yeah.","start":1037.0851,"end":1037.5851,"sentiment":"neutral","sentiment_score":0.059538334608078},{"text":"No.","start":1037.645,"end":1037.805,"sentiment":"neutral","sentiment_score":0.10272111743688583},{"text":"That's","start":1037.805,"end":1038.305,"sentiment":"neutral","sentiment_score":0.2976423501968384}],"sentiment":"neutral","sentiment_score":0.1533006007472674,"channel":1,"num_words":3,"start":1037.0851,"end":1038.305},{"sentences":[{"text":"Cool, 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twenty four hours, and I've got you tentatively booked in for 04:00 next Tuesday.","start":1055.775,"end":1062.3,"sentiment":"neutral","sentiment_score":0.22053489529273726}],"sentiment":"neutral","sentiment_score":0.25937910711970824,"channel":0,"num_words":29,"start":1054.335,"end":1062.3},{"sentences":[{"text":"Okay.","start":1063.135,"end":1063.455,"sentiment":"neutral","sentiment_score":0.24016395211219788},{"text":"Sounds good.","start":1063.455,"end":1064.275,"sentiment":"neutral","sentiment_score":0.3197670578956604}],"sentiment":"neutral","sentiment_score":0.2932326893011729,"channel":1,"num_words":3,"start":1063.135,"end":1064.275},{"sentences":[{"text":"Sensational, mate.","start":1064.76,"end":1065.4,"sentiment":"positive","sentiment_score":0.5550050139427185},{"text":"Have a 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IQ named Tommy updates Jason's insurance policy, including a statement of advice, insurance quotes, and supporting documentation. The benefits of the life insurance policy are discussed, including a reduction in risk and a lower premium. The policy is expensive and requires investment, and the speaker suggests reducing the premiums and increasing coverage. The customer discusses their medication and blood pressure, and the representative explains the process of obtaining a new insurance policy and updating their projection. They schedule a follow-up appointment and provide instructions for filling out a personal statement."},"intents":{"segments":[{"text":"I'm just giving you a call to go through that that advice piece I'm sending through to you.","start_word":29,"end_word":46,"intents":[{"intent":"Review advice","confidence_score":0.111194864}]},{"text":"Now I'm gonna pop it through to your email. Will you be able to look onto the document with me, or do you want me to just walk you through it?","start_word":62,"end_word":92,"intents":[{"intent":"Explore options","confidence_score":0.00024623726}]},{"text":"I'll go over the key points, and then if you can just kind of read over it in your own time and call back with any questions, that'd be fabulous. Yep.","start_word":111,"end_word":141,"intents":[{"intent":"Review key points","confidence_score":0.05994077}]},{"text":"We were just doing a quick update to your portfolio for the super, Yep. because if you remember, there was we were a bit alarmed by the volatility given that your balance growth, and we were Yep. trying to get a bit of a fix for that. Does that ring a bell?","start_word":298,"end_word":349,"intents":[{"intent":"Update portfolio","confidence_score":0.19773339},{"intent":"Ask about balance growth","confidence_score":0.0015979317}]},{"text":"And then there was just that life insurance to add on with your TPD.","start_word":351,"end_word":364,"intents":[{"intent":"Discuss life insurance policies","confidence_score":0.0002218681}]},{"text":"So I'm just gonna bring up the updated document there.","start_word":366,"end_word":375,"intents":[{"intent":"Update document","confidence_score":0.668349}]},{"text":"Now with the portfolio update so I found the issue with the volatility Yep. was that Yep. one Australian shares option that was underperforming. Its volatility compared to every other Australian shares option was about 10 times as much as we would expect. Yep.","start_word":376,"end_word":419,"intents":[{"intent":"Discuss portfolio update","confidence_score":0.3248082}]},{"text":"The the option that I've found Yep. is pretty much like a 90% reduction in the risk for that option, much better Yep. performance, much lower fees. Combined with all the rest of it, it pretty well fixes the issue for you. Excellent.","start_word":469,"end_word":511,"intents":[{"intent":"Discuss risk reduction","confidence_score":0.011184044}]},{"text":"Now I've actually found an insurer, a separate one, who is gonna offer you the life insurance with basically 90% chance of it not having a loading on it, and it won't impact your your existing TPD cover, if that makes sense. Yep.","start_word":644,"end_word":686,"intents":[{"intent":"Discuss insurance cover","confidence_score":0.00005218947}]},{"text":"Now it's actually even sort of more affordable than the other one as well. So premiums are much lower like for like. It's the same kind of 750,000 that equals your your TPD insurance. Yep.","start_word":687,"end_word":721,"intents":[{"intent":"Discuss insurance rates","confidence_score":0.005788928}]},{"text":"can handle that for you. So in terms of when we do a review, we get all your certificates of currency to package up for you. If you ever go on a claim, we can help you with the claims whichever type of policy it is. Okay? Any sort Okay.","start_word":741,"end_word":790,"intents":[{"intent":"Handle claims","confidence_score":0.21128005}]},{"text":"of questions or thoughts or queries on that to begin with?","start_word":791,"end_word":801,"intents":[{"intent":"Gather information","confidence_score":0.0059565096}]},{"text":"So the the towel one, the the total disability, what's the Tel insurance as it currently is? Correct.","start_word":802,"end_word":819,"intents":[{"intent":"Discuss coverage","confidence_score":0.000257278},{"intent":"Provide information","confidence_score":0.17169541}]},{"text":"I'm gonna bring up so the quote for your life insurance is only about after the rebate, 1,082. Yep.","start_word":1030,"end_word":1048,"intents":[{"intent":"Provide quote","confidence_score":0.14390096}]},{"text":"The thing's costing me over $3 a year. Like and and it isn't actually what I thought I was getting. Yeah.","start_word":1172,"end_word":1192,"intents":[{"intent":"Evaluate policy cost","confidence_score":0.0017098512}]},{"text":"the premiums, they're just gonna get bigger and bigger. We usually put a bit of a cap where we say, okay. If it's below 30% of your contributions, we should still be able to get enough growth and contributions to get you to your goal and Yep. keep reducing it down from there.","start_word":1473,"end_word":1525,"intents":[{"intent":"Reduce premiums","confidence_score":0.12746416}]},{"text":"I can cancel.","start_word":1532,"end_word":1534,"intents":[{"intent":"Cancel","confidence_score":0.32524577}]},{"text":"I can do some updated projections to sort of see how you're looking, and if we can kind of juggle it for a few years and just slowly reduce it down over five years or something like that. Thoughts? Yeah.","start_word":1541,"end_word":1580,"intents":[{"intent":"Change plans","confidence_score":0.004023514}]},{"text":"So if you're comfortable with that, I'll do a quick amendment to the document Yep. that I'm sending out to you. I can even update the projection so you can kind of see.","start_word":1767,"end_word":1799,"intents":[{"intent":"Request amendment","confidence_score":0.00107617}]},{"text":"One of those things was the the idea of purchasing a property, and you don't have that debt right now. So what's that TPD kind of covering? Do you know what I mean?","start_word":1922,"end_word":1954,"intents":[{"intent":"Explain situation","confidence_score":0.049431723}]},{"text":"Now I won't give you another call to go through it with you because we've already had the discussion. All I'll do is amend it and shoot it through, Yep. have a read, make sure you're comfortable. It does include, again, like, our service agreement and stuff like that.","start_word":2006,"end_word":2054,"intents":[{"intent":"Update information","confidence_score":0.0031505926},{"intent":"Suggest amendment","confidence_score":0.010109871}]},{"text":"So if you have any questions on the fees or anything, please let me know.","start_word":2055,"end_word":2069,"intents":[{"intent":"Offer assistance","confidence_score":0.0020683408},{"intent":"Provide information","confidence_score":0.10048638},{"intent":"Ask about questions","confidence_score":0.0024971282},{"intent":"Ask about fee","confidence_score":0.009999774}]},{"text":"The only question I have for you when it comes to, like, the health side of things, Okay.","start_word":2135,"end_word":2152,"intents":[{"intent":"Discuss health","confidence_score":0.0031952108}]},{"text":"just wanted to make sure that the blood pressure was a good rating and well controlled with medication.","start_word":2171,"end_word":2188,"intents":[{"intent":"Check blood pressure and medication","confidence_score":0.08782631}]},{"text":"I mean, look, as soon as I have it, I'm happy to share those results, and Derek can have a copy of that. That's fine. Yeah.","start_word":2362,"end_word":2387,"intents":[{"intent":"Share results and share","confidence_score":0.00016325098}]},{"text":"Can you give me the rating?","start_word":2471,"end_word":2476,"intents":[{"intent":"Get rating","confidence_score":0.05702799}]},{"text":"It just delays the application by a week or two depending on how quick the doctors turn around the document, but Yeah.","start_word":2509,"end_word":2530,"intents":[{"intent":"Book application","confidence_score":0.52726936}]},{"text":"we've had that conversation, mate, I'm totally fine to send it through to you. You have a read, and then that way we can make the conversations a bit more concise Yep.","start_word":2969,"end_word":3000,"intents":[{"intent":"Provide concise conversation","confidence_score":0.00002871407}]},{"text":"I didn't spend an exhaustive amount of time updating some of your details. So if there's anything that's inaccurate, just flick me a message and I can bump it up, and it should be pretty close. Yeah.","start_word":3068,"end_word":3104,"intents":[{"intent":"Update details","confidence_score":0.21510766}]},{"text":"That's Cool, Jason. Mate, any questions for me before I let you go? fine.","start_word":3106,"end_word":3119,"intents":[{"intent":"Provide assistance","confidence_score":0.0020573542}]}]},"sentiments":{"segments":[{"text":"Hello. Jason speaking. Jason, it's Tommy here, senior adviser from IQ. How are you going, sir?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.11350912600755692},{"text":"Good. How are you? Right. Living the dream. Absolutely living the dream.","start_word":16,"end_word":27,"sentiment":"positive","sentiment_score":0.5702744722366333},{"text":"Right. I'm just giving you a call to go through that that advice piece I'm sending through to you. Do you have a bit Yep. of time now for me? Yeah. That's fine.","start_word":28,"end_word":60,"sentiment":"neutral","sentiment_score":0.11941790580749512},{"text":"Cool.","start_word":61,"end_word":61,"sentiment":"positive","sentiment_score":0.3684352040290833},{"text":"Now I'm gonna pop it through to your email. Will you be able to look onto the document with me, or do you want me to just walk you through it? You'll have to sit me through it because I'm driving at the moment.","start_word":62,"end_word":105,"sentiment":"neutral","sentiment_score":0.15510788559913635},{"text":"No worries at all, sir. I'll go over the key points, and then if you can just kind of read over it in your own time and call back with any questions, that'd be fabulous.","start_word":106,"end_word":140,"sentiment":"positive","sentiment_score":0.44546622037887573},{"text":"Yep.","start_word":141,"end_word":141,"sentiment":"neutral","sentiment_score":0.2583112120628357},{"text":"Awesome.","start_word":142,"end_word":142,"sentiment":"positive","sentiment_score":0.4297376871109009},{"text":"Now just usual, the calls are recorded for training quality purposes. And for security, do you remember your client password, Jason? Sorry. Cut out there for a second. Nope. It hasn't I was just yet. after your password. Right. That's the one.","start_word":143,"end_word":184,"sentiment":"neutral","sentiment_score":0.016310550272464752},{"text":"Thank you so much, mate. Appreciate it.","start_word":185,"end_word":191,"sentiment":"positive","sentiment_score":0.5745863318443298},{"text":"So I'm just popping this through to your y seven mail. Now just Yep. to sort of let you know what's coming, it's got a statement of advice there, insurance quotes for that life insurance, Yep. as well as just supporting documentation. There's an appendix there. There's an updated service guide, all that kind of thing. Oh, you there? Yep. Gotcha. Sorry Yeah. about that, I'm mate. sorry. I've popped that through to you. It's got all those documents there. Now Yep. couple of quick things that I wanna just run through with you as well. So that advice document, we were doing two main things. We were just doing a quick update to your portfolio for the super, Yep. because if you remember, there was we were a bit alarmed by the volatility given that your balance growth, and we were Yep. trying to get a bit of a fix for that. Does that ring a bell? Yep. And then there was just that life insurance to add on with your TPD.","start_word":192,"end_word":364,"sentiment":"neutral","sentiment_score":0.049955613717350654},{"text":"Perfect.","start_word":365,"end_word":365,"sentiment":"positive","sentiment_score":0.46370190382003784},{"text":"So I'm just gonna bring up the updated document there. Now with the portfolio update so I found the issue with the volatility Yep. was that Yep. one Australian shares option that was underperforming. Its volatility compared to every other Australian shares option was about 10 times as much as we would expect. Yep.","start_word":366,"end_word":419,"sentiment":"neutral","sentiment_score":-0.06030498817563057},{"text":"All the rest of your investments were pretty well fine.","start_word":420,"end_word":429,"sentiment":"positive","sentiment_score":0.3954111635684967},{"text":"Okay. So what I've basically done, if you recall, we had a quick chat to make sure that we kept you in some low fee index funds, which were a little bit more straightforward, a little bit less volatility.","start_word":430,"end_word":468,"sentiment":"neutral","sentiment_score":0.1974817216396332},{"text":"The the option that I've found Yep. is pretty much like a 90% reduction in the risk for that option, much better Yep. performance, much lower fees. Combined with all the rest of it, it pretty well fixes the issue for you. Excellent. Cool.","start_word":469,"end_word":512,"sentiment":"positive","sentiment_score":0.4158411622047424},{"text":"Yep. Now when it comes to the life insurance, I had to do a little bit of wizardry, and you'll have to forgive me for this. We were putting together life insurance, and I double checked with Tao. And Tao, we're doing this weird thing where because you've already got TPD insurance. In order to add the life insurance on, they do something called a cancel and replace, which resets Yeah. both policies. Okay. Now the problem with that is that both policies go through full underwriting again. Yep. Now when they go through full underwriting again, it means that there's a risk of your TPD insurance copying, like, a loading or an additional exclusion from anything that shows up for the life insurance application, which I didn't wanna do. Yep. Now I've actually found an insurer, a separate one, who is gonna offer you the life insurance with basically 90% chance of it not having a loading on it, and it won't impact your your existing TPD cover, if that makes sense. Yep.","start_word":513,"end_word":686,"sentiment":"neutral","sentiment_score":-0.008496513590216637},{"text":"Now it's actually even sort of more affordable than the other one as well.","start_word":687,"end_word":700,"sentiment":"positive","sentiment_score":0.4051106870174408},{"text":"So premiums are much lower like for like. It's the same kind of 750,000 that equals your your TPD insurance. Yep. Yep. It just does mean that you're gonna be going kind of with two different insurers, but we Yep. can handle that for you. So in terms of when we do a review, we get all your certificates of currency to package up for you. If you ever go on a claim, we can help you with the claims whichever type of policy it is. Okay? Any sort Okay. of questions or thoughts or queries on that to begin with? So the the towel one, the the total disability, what's the Tel insurance as it currently is? Correct. So that's total and permanent disability. And what that basically does is if you're never able to work again, you're in a car accident, but you're still here, there's a lump sum there of close to 750,000, pay off the mortgage, let you live off of it, that kind of thing. Okay. And now for the other one is a life insurance policy. Correct. So that's kind of like a sister policy there. One covers you for death. One covers you for disability. So there's a question. Do I need to tell one if the other one does disability and death? The other one doesn't do disability. It only does the Okay. life part portion. They kind of go hand in hand. And there is a possibility that let's say I have actually seen this happen before. If Right. you're Yep. in a car accident and you're declared TBD, totally disabled, Yep. then you get your lump sum from that cover. And then if you pass away afterwards, you get your life insurance on top of that, and it's a bit of a double double claim for your family. Yep. Okay. How much of these things?","start_word":701,"end_word":1015,"sentiment":"neutral","sentiment_score":0.028571226427124605},{"text":"Because how I believe that this total disability, I feel is exceptionally expensive.","start_word":1016,"end_word":1028,"sentiment":"negative","sentiment_score":-0.5785411596298218},{"text":"Alright. I'm gonna bring up so the quote for your life insurance is only about after the rebate, 1,082. Yep.","start_word":1029,"end_word":1048,"sentiment":"neutral","sentiment_score":0.05722283199429512},{"text":"So that's pretty good.","start_word":1049,"end_word":1052,"sentiment":"positive","sentiment_score":0.405750572681427},{"text":"Just bear with me for a moment. I'm gonna pull up your towel policy, if that's okay. It'll only take me about four seconds. Here we go. Tow COC. K. Yeah. Tau is the big one. So Tau is 3,600. I'm tempted to drop towel and just have the other one. You're thinking go without TPD at all and just have life Yep. insurance only? Yep. K? Because Don't want that me to that's do any of it. because Sure. well, look.","start_word":1053,"end_word":1134,"sentiment":"neutral","sentiment_score":-0.027315513389866528},{"text":"I I just like, the towel just continually seems to get more and more expensive.","start_word":1135,"end_word":1149,"sentiment":"negative","sentiment_score":-0.4752372205257416},{"text":"And, like, realistically, I thought I only asked for life insurance.","start_word":1150,"end_word":1160,"sentiment":"neutral","sentiment_score":-0.324233740568161},{"text":"Then I end up with this TPD without any life insurance. The thing's costing me over $3 a year. Like and and it isn't actually what I thought I was getting.","start_word":1161,"end_word":1191,"sentiment":"negative","sentiment_score":-0.4293198585510254},{"text":"Yeah. And I did have a little bit of a quick check back on the old archive, and I think there was a bit of a note there that we were trying to line up life insurance when you purchased a property or something like that. But if you don't want the policy, mate, no one's gonna force you to keep it as long as you Yeah. understand the risks of not having that type of cover. That's all. I just do you do you have it? Do I have Do that you cover? have both of these covers? Yeah. I'm one of those ones where out of the four insurances, life, TPD, income protection, and trauma, I've got my life Yep. and TPD to cover the mortgage for the fam. That's my main thing. Yep. Okay. It is you're exactly right. It's gonna get Yeah. more expensive. And because it's step premiums and with age and everything, that'll be 4,000, then 5,000, and in ten years' time, it'll be 10,000. And the whole idea is that once you've got like, a mortgage, you build up your super, you pay off the debt, you don't need the insurance, you can reduce it down. Yeah. So it is a bit of a juggling act, and that's part of what we do is we go, okay. What impact is this having on your super? Are you still actually gonna hit your goal? And if not, Yep. do we reduce it? Do we chop around? All that kind of thing. I still honestly, like, know full transparency. Tal's given you the best deal in terms of the TPD underwriting side of things, but Yep. the premiums, they're just gonna get bigger and bigger. We usually put a bit of a cap where we say, okay. If it's below 30% of your contributions, we should still be able to get enough growth and contributions to get you to your goal and Yep. keep reducing it down from there. So I can do reduction quotes. I can cancel. Up to you on that one. I can do some updated projections to sort of see how you're looking, and if we can kind of juggle it for a few years and just slowly reduce it down over five years or something like that. Thoughts? Yeah.","start_word":1192,"end_word":1580,"sentiment":"neutral","sentiment_score":0.01852171421817152},{"text":"I I just think it's way too expensive for what it is.","start_word":1581,"end_word":1592,"sentiment":"negative","sentiment_score":-0.7026917934417725},{"text":"Yeah. Like, $3,600.","start_word":1593,"end_word":1595,"sentiment":"neutral","sentiment_score":-0.15947292745113373},{"text":"No. It's I not chump change. no. It's not at all.","start_word":1596,"end_word":1606,"sentiment":"negative","sentiment_score":-0.4063206613063812},{"text":"And the way that the market has been, that's a lot to be taking out in one go based on Yeah. the way that everything else has changed. And it's not So like those I monthly premiums where it spreads it out over the year. no. If you have the market dip and then that premium come out, it takes a lot Yeah. longer to kind of regain that when the market goes back up. Correct.","start_word":1607,"end_word":1682,"sentiment":"neutral","sentiment_score":-0.1766665130853653},{"text":"So I don't see the value in it.","start_word":1683,"end_word":1690,"sentiment":"negative","sentiment_score":-0.3343355357646942},{"text":"Yeah. And it's one of those things that I've gotta be like, again, full transparency. When you Yeah. hit your fifties, TPD and income protections start to skyrocket the most. Life Yeah. insurance is okay to maintain for quite a while, but if you were 30, that TPD insurance would be like $900. Yep. And it does not get prettier through your fifties. I'm going to drop the TPD, but I'll keep the life insurance. K. So if you're comfortable with that, I'll do a quick amendment to the document Yep. that I'm sending out to you. I can even update the projection so you can kind of see. We do include an insurance impact table, so you can see how big of an impact it's having. And if you're comfortable with that, mate, we can help you cancel that one and go through just that application for the life insurance instead. So with the life insurance, you said that's a $7.50 payout? Yes. What would that look like if that went from $7.50 to an even mil? An even mil. Okay. That's an extra third on top, a thousand and 82, an extra couple $100. I'd rather do that and increase that one and drop the ticket. Yep. Altogether. Yeah. K. Let me have a quick look. I'm just got your fact find in front of me there. Yeah. Look. One of those things was the the idea of purchasing a property, and you don't have that debt right now. So what's that TPD kind of covering? Do you know what I mean? K. So if it's for future liabilities, that's a lot of money to come out for something that's not there yet. Yep. Yep. Okay. So push it up to a mill, drop Yep. the TBD, and then I Yep. can send that through to That'd be great.","start_word":1691,"end_word":2001,"sentiment":"neutral","sentiment_score":-0.03212871209649411},{"text":"Thank you. you.","start_word":2002,"end_word":2004,"sentiment":"positive","sentiment_score":0.4657691419124603},{"text":"Cool. Now I won't give you another call to go through it with you because we've already had the discussion. All I'll do is amend it and shoot it through, Yep. have a read, make sure you're comfortable. It does include, again, like, our service agreement and stuff like that. So if you have any questions on the fees or anything, please let me know. But all of that's Yep. there. The next step is literally just to get you in for a it's usually about twenty five minutes to go through the personal statement with Zurich, and Yep. my team member, Jack, can run through that with you pretty quickly. Life insurance doesn't ask as many questions as TPD, so it's a bit of a Yep. quicker application. K? The only question I have for you when it comes to, like, the health side of things, Okay. Zurich were Yep.","start_word":2005,"end_word":2155,"sentiment":"neutral","sentiment_score":0.09682783484458923},{"text":"really good when it comes to things like BMI and blood pressure, but they Yep. just wanted to make sure that the blood pressure was a good rating and well controlled with medication.","start_word":2156,"end_word":2188,"sentiment":"positive","sentiment_score":0.488584041595459},{"text":"Blood pressure I actually was at the doctor's on Saturday. Oh, yeah?","start_word":2189,"end_word":2200,"sentiment":"neutral","sentiment_score":0.09331271052360536},{"text":"Blood pressure was perfect.","start_word":2201,"end_word":2204,"sentiment":"positive","sentiment_score":0.4636412560939789},{"text":"Doctor's gone. Your medication, obviously, is doing exactly what it has to do. I have the I have to go get some blood work because I haven't got it done in, like, three or five years or something. That's it at the moment. Yep. And is that blood work for anything specific, or is it general checkup just with age? Okay. General. Because the doctor he goes, when did you get it done after, I don't know, two or three years ago? No. No. I said, well, how long ago? When he goes, five. He's gone. Yeah. Yeah. Just get it checked. Just get it Yeah. done. I gotta hear What okay. So now? I went to get it done on Saturday, but there were, like, 25 people in front of me. So I got no. So I'll get it Yeah. done like That's this, an like hour's and I'm long happy wait. just to share. Yeah.","start_word":2205,"end_word":2361,"sentiment":"neutral","sentiment_score":-0.016449443995952606},{"text":"I mean, look, as soon as I have it, I'm happy to share those results, and Derek can have a copy of that.","start_word":2362,"end_word":2384,"sentiment":"positive","sentiment_score":0.3951446115970611},{"text":"That's fine. Yeah.","start_word":2385,"end_word":2387,"sentiment":"neutral","sentiment_score":0.2510455250740051},{"text":"That's cool.","start_word":2388,"end_word":2389,"sentiment":"positive","sentiment_score":0.3681919574737549},{"text":"Look. Usually, for general checkups, they're okay. Sometimes Yep. if there's a specific investigation, they wanna see the results first in case, you know, you get diagnosed with cancer four days after the the damn policy goes in force. Outside of that, when we go through that personal statement, if you Yeah. can have your your blood pressure ratings available, if you've got that document, we can just punch it into the application, and they can pretty much skip through that. Can you give me the rating?","start_word":2390,"end_word":2476,"sentiment":"neutral","sentiment_score":-0.02379308082163334},{"text":"I do I do not want to.","start_word":2477,"end_word":2483,"sentiment":"negative","sentiment_score":-0.5566110610961914},{"text":"Yeah. I mean, worst case scenario, they do the old shoot off a report to the doctor to quickly check what the reading was.","start_word":2484,"end_word":2507,"sentiment":"neutral","sentiment_score":-0.23079858720302585},{"text":"It just delays the application by a week or two depending on how quick the doctors turn around the document, but Yeah.","start_word":2508,"end_word":2529,"sentiment":"negative","sentiment_score":-0.3433506190776825},{"text":"it's not usually too much of an issue.","start_word":2530,"end_word":2537,"sentiment":"neutral","sentiment_score":-0.3051612973213196},{"text":"Fair warning, if they find something random in there that they don't know about, they're obviously gonna try and poke a hole in it.","start_word":2538,"end_word":2561,"sentiment":"negative","sentiment_score":-0.37741219997406006},{"text":"But if it's just that, it should be alright. Yep.","start_word":2562,"end_word":2571,"sentiment":"neutral","sentiment_score":0.06135226786136627},{"text":"I'm okay with that. Cool. Alrighty.","start_word":2572,"end_word":2577,"sentiment":"positive","sentiment_score":0.476082980632782},{"text":"Mate, did you want me to find a time to book you in now for that application?","start_word":2578,"end_word":2594,"sentiment":"neutral","sentiment_score":0.3102041780948639},{"text":"Because I can get that document to you tomorrow.","start_word":2595,"end_word":2603,"sentiment":"positive","sentiment_score":0.37576982378959656},{"text":"I do have a calendar open in front of me if you did have your availability to go through the application next week or later this week. That might be this week. Next Tuesday afternoon. Yep. Tuesday afternoon. Alright. 04:00 Two. ish. Alright. Now there's usually a couple of people that I've got that can do it around that time. If there's any issues at all that we we don't have anyone available, I'll let them text, call, and email you straight away, but I Yep. can put it in for 04:00. Thank god we don't have daylight savings, so it's Yeah. perfect So there. it's it's 04:00. It's 04:00. Yes. 04:00 is 04:00. I think it's twenty past now. Yeah. Yep. I'll go personal statement, Zurich for Jason. Done and done and done. Alright. Yeah. So don't I'm gonna just resend that email I've just sent you so I can make the adjustments. So don't sign anything straight away, and I'll shoot you a text once I've got that updated document through to you. Okay. I did ask the other someone rang me the other day, and they hadn't really looked that we're booked in for today. And I've gone, right. Okay. And I've gone with it. If you have it, you can send it to me. I could read it. I am aware of any questions.","start_word":2604,"end_word":2831,"sentiment":"neutral","sentiment_score":0.052927009761333466},{"text":"Before we step through, they go, no. That's not gonna work.","start_word":2832,"end_word":2842,"sentiment":"negative","sentiment_score":-0.4480012357234955},{"text":"I'm like, okay. It's fine. Because I'm on the road a lot, I don't Yeah. always have that time. So at times, it's it's more convenient for me if I actually have something. I could have read it before then I have a conversation about it. Yeah. And look, But I also I'm totally get fine to send it through to you to read and go through any questions you have. yep. One of the sort of standard policies we got is we don't want clients signing something if we don't know we've talked about it, And Yeah. that's just something where if someone just ticks it without knowing what's in there, we can get in a lot of trouble for that. But because Oh, yeah. we've had that conversation, mate, I'm totally fine to send it through to you. You have a read, and then that way we can make the conversations a bit more concise Yep. But, look, send that straight for me, and, mate, I'll have a look as long as it's, like, everything that we've discussed. and I'll, give you a meaningful. day Yep. sign and send it back to you.","start_word":2843,"end_word":3037,"sentiment":"neutral","sentiment_score":0.06501059234142303},{"text":"Perfect. I think there'll be a couple of extra little inclusions there about, you know, make sure your will is in place and and all that kind of thing.","start_word":3038,"end_word":3066,"sentiment":"positive","sentiment_score":0.3803491294384002},{"text":"Yep. I didn't spend an exhaustive amount of time updating some of your details. So if there's anything that's inaccurate, just flick me a message and I can bump it up, and it should be pretty close. Yeah. No. That's Cool, Jason. Mate, any questions for me before I let you go? fine. No, mate. All I need to do is just have a little bit of time and actually have a read just tick boxes. That's it. Yep. Yeah.","start_word":3067,"end_word":3146,"sentiment":"neutral","sentiment_score":0.08274350315332413},{"text":"Easy done. Alright. Appreciate it. Thanks, Tony.","start_word":3147,"end_word":3153,"sentiment":"positive","sentiment_score":0.4967455267906189},{"text":"No.","start_word":3154,"end_word":3154,"sentiment":"neutral","sentiment_score":0.150116428732872},{"text":"Thank you for your time, sir.","start_word":3155,"end_word":3160,"sentiment":"positive","sentiment_score":0.4418092370033264},{"text":"I will get that through to you in twenty four hours, and I've got you tentatively booked in for 04:00 next Tuesday. Okay.","start_word":3161,"end_word":3183,"sentiment":"neutral","sentiment_score":0.21413645148277283},{"text":"Sounds good. Sensational, mate. Have a fantastic Alright. day. You too. Enjoy the rest of your afternoon. Cheers, mate.","start_word":3184,"end_word":3202,"sentiment":"positive","sentiment_score":0.6084191893276415},{"text":"Bye.","start_word":3203,"end_word":3203,"sentiment":"neutral","sentiment_score":0.3070642352104187},{"text":"Cheers, mate.","start_word":3204,"end_word":3205,"sentiment":"positive","sentiment_score":0.4117611348628998},{"text":"Bye.","start_word":3206,"end_word":3206,"sentiment":"neutral","sentiment_score":0.19079653918743136}],"average":{"sentiment":"neutral","sentiment_score":0.038117101951055006}}}}