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I'm just phoning in regards to Tamara Olsen and the breast and ovarian cancer exclusion that you were looking into for me. I understand. I I did. Yep. So what I that's why I'm phoning. So I actually got a hold of Tamara this morning, and we just got a I I explained that to her, and she said that she does not have access to her sister's genetic testing. The reason she said she recalled her sister verbally telling her and also family members verbally saying it, when Tamara went to get the genetic testing, she ended up having to pay for it herself because her sister's doctors had lost the result, which is actually quite common. I had a friend go through breast cancer two years ago, and they lost her results. So she yeah. So she doesn't have access to it. The reason why Tamara, along with her sister verbally saying it, but also the other reason why she did the test and subsequently paid for it and waited the two years for it to get done is because at some point, she will need to go through IVF because she's left it a bit late to have children. And the IVF clinic said that they would not look at an IVF plan hormonal wise with the injections and the drugs required because if she was BRCA positive, that those drugs those drugs those drugs could it can actually bring on because the the my understanding and mine's basic from my my best friend who had cancer is the ones that are BRCA can generally be hormone related or something like that. So if she did the hormone drugs, then it could create yeah. So that's why those are the two reasons she went and did it. So, yeah, I kind of I understand what the medical offices and all that are saying, but I kind of I for I know underwriting needs to look at it in in the gray. I get that. But black and white, I think Tamara has the same realistic statistics that anybody else myself or somebody that hasn't even been tested of getting breast cancer, considering she's negative for the all those BRCA genes. Mhmm. Mhmm. Mhmm. Mhmm. Okay. So the essentially, the exclusion would still apply. Yep. Okay. Alright. Beautiful. Well, thank you for confirming, and we'll speak with the client. Alright. Beautiful. Yep. Yep. We've had yeah. We we're still looking at that. Yeah. And there are some other companies that are considering it. So we're just gonna go now do that process and see how we go. Thank you so much for your time, Jackie. Okay. You too. 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Jackie. This is Jenna phoning from Oakview Financial. How are you today? I'm well. Thank you.\n\nI'm sorry that it's taken me a couple of days to come back to you. I'm just phoning in regards to Tamara Olsen and the breast and ovarian cancer exclusion that you were looking into for me. I understand. I I did. Yep.\n\nSo what I that's why I'm phoning. So I actually got a hold of Tamara this morning, and we just got a I I explained that to her, and she said that she does not have access to her sister's genetic testing. The reason she said she recalled her sister verbally telling her and also family members verbally saying it, when Tamara went to get the genetic testing, she ended up having to pay for it herself because her sister's doctors had lost the result, which is actually quite common. I had a friend go through breast cancer two years ago, and they lost her results. So she yeah.\n\nSo she doesn't have access to it. The reason why Tamara, along with her sister verbally saying it, but also the other reason why she did the test and subsequently paid for it and waited the two years for it to get done is because at some point, she will need to go through IVF because she's left it a bit late to have children. And the IVF clinic said that they would not look at an IVF plan hormonal wise with the injections and the drugs required because if she was BRCA positive, that those drugs those drugs those drugs could it can actually bring on because the the my understanding and mine's basic from my my best friend who had cancer is the ones that are BRCA can generally be hormone related or something like that. So if she did the hormone drugs, then it could create yeah. So that's why those are the two reasons she went and did it.\n\nSo, yeah, I kind of I understand what the medical offices and all that are saying, but I kind of I for I know underwriting needs to look at it in in the gray. I get that. But black and white, I think Tamara has the same realistic statistics that anybody else myself or somebody that hasn't even been tested of getting breast cancer, considering she's negative for the all those BRCA genes. Mhmm. Mhmm.\n\nMhmm. Mhmm. Okay. So the essentially, the exclusion would still apply. Yep.\n\nOkay. Alright. Beautiful. Well, thank you for confirming, and we'll speak with the client. Alright.\n\nBeautiful. Yep. Yep. We've had yeah. We we're still looking at that.\n\nYeah. And there are some other companies that are considering it. So we're just gonna go now do that process and see how we go. Thank you so much for your time, Jackie. Okay.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jackie.","start":23.125,"end":23.925,"sentiment":"neutral","sentiment_score":0.21046122163534164},{"text":"This is Jenna phoning from Oakview Financial.","start":23.925,"end":26.185,"sentiment":"neutral","sentiment_score":0.21303007219518935},{"text":"How are you today?","start":26.244999,"end":27.224998,"sentiment":"neutral","sentiment_score":0.30487101525068283},{"text":"I'm well.","start":29.539999,"end":30.179998,"sentiment":"positive","sentiment_score":0.35244518518447876},{"text":"Thank you.","start":30.179998,"end":30.82,"sentiment":"positive","sentiment_score":0.4318731874227524}],"sentiment":"neutral","sentiment_score":0.27648551499142365,"num_words":17,"start":23.125,"end":30.82},{"sentences":[{"text":"I'm sorry that it's taken me a couple of days to come back to you.","start":30.82,"end":33.78,"sentiment":"negative","sentiment_score":-0.34176610310872396},{"text":"I'm just phoning in regards to Tamara Olsen and the breast and 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Welcome to Zurich Under Routing. This is Jackie. I'm good, Jenna. How are you? Yeah. I know. I'm sorry. It took a long time to get that one across the line. I yeah. Did you did you get the message there about that one? So, yeah, I finally got the confirmation that we could support standard rates. So we just need to get the confirmation of the sister's BRCA result and then her negative for that same gene. And, yeah, just a declaration of health as well just to make sure there's no other concerns or issues. Mhmm. Amazing. Mhmm. Okay. Mhmm. Oh, no. Yep. Mhmm. Okay. Oh my gosh. Oh, okay. Yep. Mhmm. Mhmm. Mhmm. Oh my goodness. Yeah. Can cause issues. Oh, wow. Yeah. Yep. Yep. Mhmm. Mhmm. Change it to hormones and yep. Yep. Mhmm. Mhmm. Yep. Yep. Mhmm. Mhmm. Yeah. So I I guess the reason that I was having a lot of pushback with being able to review it is that the BRCA positive cancers are only a relatively small number. So there's a lot of environment factors and a whole heap of other factors that can lead to breast cancer, and and the BRCA one is only a minor percentage of overall breast cancers. So even though you might be BRCA negative with family history of breast cancer, you are at a higher risk than the general population, and particularly when the family member is diagnosed younger. And it might not be a genetic thing. It might be, you know, environmental, all those sort of things, and you've grown up in that same environment, and it places you at that higher risk. So, unfortunately, without that confirmation that she's negative for that test that the sister was positive for, we would have to rate the family history, which is, I think, what we've done when offering the cover initially. Yeah. Yeah. Yep. That's all good. Yeah. Yeah. Of course. Yep. Yeah. Because I'm I'm not sure how you got on with getting that one across the line because I know I spoke to Georgia, and I'm like, well, look. I've I really do feel like it should be standard given her negative testing, and I know other companies would have considered it. So, yeah, I'm not sure whether that was an option you were looking at. Yeah. Yeah. Mhmm. Yep. Yeah. Yeah. Sure. Okay. Wonderful. No. That's all good. Thanks, Jenna. Have a good day. 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note, your call may be recorded for quality and training purposes. Welcome to Zurich Under Routing. This is Jackie. I'm good, Jenna. How are you?\n\nYeah. I know. I'm sorry. It took a long time to get that one across the line. I yeah.\n\nDid you did you get the message there about that one? So, yeah, I finally got the confirmation that we could support standard rates. So we just need to get the confirmation of the sister's BRCA result and then her negative for that same gene. And, yeah, just a declaration of health as well just to make sure there's no other concerns or issues. Mhmm.\n\nAmazing. Mhmm. Okay. Mhmm. Oh, no.\n\nYep. Mhmm. Okay. Oh my gosh. Oh, okay.\n\nYep. Mhmm. Mhmm. Mhmm. Oh my goodness.\n\nYeah. Can cause issues. Oh, wow. Yeah. Yep.\n\nYep. Mhmm. Mhmm. Change it to hormones and yep. Yep.\n\nMhmm. Mhmm. Yep. Yep. Mhmm.\n\nMhmm. Yeah. So I I guess the reason that I was having a lot of pushback with being able to review it is that the BRCA positive cancers are only a relatively small number. So there's a lot of environment factors and a whole heap of other factors that can lead to breast cancer, and and the BRCA one is only a minor percentage of overall breast cancers. So even though you might be BRCA negative with family history of breast cancer, you are at a higher risk than the general population, and particularly when the family member is diagnosed younger.\n\nAnd it might not be a genetic thing. It might be, you know, environmental, all those sort of things, and you've grown up in that same environment, and it places you at that higher risk. So, unfortunately, without that confirmation that she's negative for that test that the sister was positive for, we would have to rate the family history, which is, I think, what we've done when offering the cover initially. Yeah. Yeah.\n\nYep. That's all good. Yeah. Yeah. Of course.\n\nYep. Yeah. Because I'm I'm not sure how you got on with getting that one across the line because I know I spoke to Georgia, and I'm like, well, look. I've I really do feel like it should be standard given her negative testing, and I know other companies would have considered it. So, yeah, I'm not sure whether that was an option you were looking at.\n\nYeah. Yeah. Mhmm. Yep. Yeah.\n\nYeah. Sure. Okay. Wonderful. No.\n\nThat's all good. Thanks, Jenna. Have a good day. Bye.","paragraphs":[{"sentences":[{"text":"Please note, your call may be recorded for quality and training purposes.","start":0.71999997,"end":4.5,"sentiment":"neutral","sentiment_score":-0.014803200649718443},{"text":"Welcome to Zurich Under Routing.","start":20.365,"end":21.805,"sentiment":"neutral","sentiment_score":0.12023665010929108},{"text":"This is Jackie.","start":21.805,"end":22.545,"sentiment":"neutral","sentiment_score":0.1110318253437678},{"text":"I'm good, Jenna.","start":27.645,"end":28.365,"sentiment":"positive","sentiment_score":0.5571205615997314},{"text":"How are you?","start":28.365,"end":29.185,"sentiment":"positive","sentiment_score":0.3900071481863658}],"sentiment":"neutral","sentiment_score":0.13838551723613188,"num_words":26,"start":0.71999997,"end":29.185},{"sentences":[{"text":"Yeah.","start":39.42,"end":39.92,"sentiment":"neutral","sentiment_score":-0.09863124787807465},{"text":"I know.","start":42.475002,"end":43.115,"sentiment":"neutral","sentiment_score":-0.17314711213111877},{"text":"I'm sorry.","start":43.115,"end":43.835003,"sentiment":"neutral","sentiment_score":-0.2620183229446411},{"text":"It took a long time to get that one across the line.","start":43.835003,"end":47.115,"sentiment":"neutral","sentiment_score":-0.31112300232052803},{"text":"I yeah.","start":47.115,"end":49.215,"sentiment":"neutral","sentiment_score":-0.0582435205578804}],"sentiment":"neutral","sentiment_score":-0.25362764142061534,"num_words":19,"start":39.42,"end":49.215},{"sentences":[{"text":"Did you did you get the message there about that one?","start":50.395,"end":54.415,"sentiment":"neutral","sentiment_score":-0.057536856017329475},{"text":"So, yeah, I finally got the confirmation that we could support standard rates.","start":54.475002,"end":59.19,"sentiment":"neutral","sentiment_score":0.07767336486050716},{"text":"So we just need to get the confirmation of the sister's BRCA result and then her negative for that same gene.","start":59.19,"end":69.77,"sentiment":"neutral","sentiment_score":-0.043472452532677425},{"text":"And, yeah, just a declaration of health as well just to make sure there's no other concerns or issues.","start":71.985,"end":77.285,"sentiment":"neutral","sentiment_score":0.04529117302674996},{"text":"Mhmm.","start":80.625,"end":81.125,"sentiment":"neutral","sentiment_score":0.05891753733158112}],"sentiment":"neutral","sentiment_score":0.005898102286916513,"num_words":65,"start":50.395,"end":81.125},{"sentences":[{"text":"Amazing.","start":82.705,"end":83.205,"sentiment":"neutral","sentiment_score":0.26272621750831604},{"text":"Mhmm.","start":84.33,"end":84.83,"sentiment":"neutral","sentiment_score":-0.037954702973365784},{"text":"Okay.","start":92.2425,"end":92.7425,"sentiment":"neutral","sentiment_score":-0.11992946267127992},{"text":"Mhmm.","start":103.994995,"end":104.494995,"sentiment":"neutral","sentiment_score":-0.2125246226787567},{"text":"Oh, no.","start":106.155,"end":107.115,"sentiment":"neutral","sentiment_score":-0.2846529260277748}],"sentiment":"neutral","sentiment_score":-0.11283140381177266,"num_words":6,"start":82.705,"end":107.115},{"sentences":[{"text":"Yep.","start":107.115,"end":107.615,"sentiment":"neutral","sentiment_score":-0.2847052812576294},{"text":"Mhmm.","start":108.875,"end":109.375,"sentiment":"neutral","sentiment_score":-0.24583713710308075},{"text":"Okay.","start":110.795,"end":111.295,"sentiment":"neutral","sentiment_score":-0.1837683916091919},{"text":"Oh my gosh.","start":116.6,"end":117.74,"sentiment":"neutral","sentiment_score":-0.097575510541598},{"text":"Oh, okay.","start":118.119995,"end":119.259995,"sentiment":"neutral","sentiment_score":-0.005709471181035042}],"sentiment":"neutral","sentiment_score":-0.12730703549459577,"num_words":8,"start":107.115,"end":119.259995},{"sentences":[{"text":"Yep.","start":119.64,"end":120.14,"sentiment":"neutral","sentiment_score":-0.01835520751774311},{"text":"Mhmm.","start":120.36,"end":120.86,"sentiment":"neutral","sentiment_score":-0.04042218998074531},{"text":"Mhmm.","start":137.705,"end":138.205,"sentiment":"neutral","sentiment_score":-0.16628339886665344},{"text":"Mhmm.","start":145.63,"end":146.13,"sentiment":"neutral","sentiment_score":-0.08797718584537506},{"text":"Oh my goodness.","start":162.795,"end":163.515,"sentiment":"negative","sentiment_score":-0.36262960235277814}],"sentiment":"neutral","sentiment_score":-0.20013239846697875,"num_words":7,"start":119.64,"end":163.515},{"sentences":[{"text":"Yeah.","start":163.515,"end":164.015,"sentiment":"neutral","sentiment_score":-0.2354128062725067},{"text":"Can cause issues.","start":166.155,"end":167.455,"sentiment":"negative","sentiment_score":-0.504256953795751},{"text":"Oh, wow.","start":167.675,"end":168.735,"sentiment":"neutral","sentiment_score":-0.19529485702514648},{"text":"Yeah.","start":169.995,"end":170.495,"sentiment":"neutral","sentiment_score":-0.11017835885286333},{"text":"Yep.","start":182.81,"end":183.29001,"sentiment":"neutral","sentiment_score":-0.15719226002693176}],"sentiment":"neutral","sentiment_score":-0.30076800007373095,"num_words":8,"start":163.515,"end":183.29001},{"sentences":[{"text":"Yep.","start":183.29001,"end":183.79001,"sentiment":"neutral","sentiment_score":-0.1486530750989914},{"text":"Mhmm.","start":184.17,"end":184.67,"sentiment":"neutral","sentiment_score":-0.08751014620065689},{"text":"Mhmm.","start":186.935,"end":187.435,"sentiment":"neutral","sentiment_score":-0.10809648036956788},{"text":"Change it to hormones and yep.","start":188.295,"end":190.215,"sentiment":"neutral","sentiment_score":-0.15597116574645042},{"text":"Yep.","start":190.215,"end":190.715,"sentiment":"neutral","sentiment_score":-0.03610846400260925}],"sentiment":"neutral","sentiment_score":-0.13161951601505278,"num_words":10,"start":183.29001,"end":190.715},{"sentences":[{"text":"Mhmm.","start":191.575,"end":192.075,"sentiment":"neutral","sentiment_score":-0.0575016476213932},{"text":"Mhmm.","start":202.41,"end":202.91,"sentiment":"neutral","sentiment_score":-0.14902636408805847},{"text":"Yep.","start":203.37001,"end":203.87001,"sentiment":"neutral","sentiment_score":-0.12554243206977844},{"text":"Yep.","start":209.13,"end":209.63,"sentiment":"neutral","sentiment_score":-0.10634773969650269},{"text":"Mhmm.","start":211.13,"end":211.63,"sentiment":"neutral","sentiment_score":-0.09986859560012816}],"sentiment":"neutral","sentiment_score":-0.10765735581517219,"num_words":5,"start":191.575,"end":211.63},{"sentences":[{"text":"Mhmm.","start":211.69,"end":212.19,"sentiment":"neutral","sentiment_score":-0.192842498421669},{"text":"Yeah.","start":227.37,"end":227.61,"sentiment":"neutral","sentiment_score":-0.2891544699668884},{"text":"So I I guess the reason that I was having a lot of pushback with being able to review it is that the BRCA positive cancers are only a relatively small number.","start":227.61,"end":240.81,"sentiment":"negative","sentiment_score":-0.4449220020323992},{"text":"So there's a lot of environment factors and a whole heap of other factors that can lead to breast cancer, and and the BRCA one is only a minor percentage of overall breast cancers.","start":240.81,"end":251.805,"sentiment":"neutral","sentiment_score":-0.1495595245676882},{"text":"So even though you might be BRCA negative with family history of breast cancer, you are at a higher risk than the general population, and particularly when the family member is diagnosed younger.","start":251.865,"end":265.65,"sentiment":"neutral","sentiment_score":-0.24529468629396323}],"sentiment":"neutral","sentiment_score":-0.27623019323195563,"num_words":101,"start":211.69,"end":265.65},{"sentences":[{"text":"And it might not be a genetic thing.","start":267.15,"end":269.15,"sentiment":"neutral","sentiment_score":-0.2178360167890787},{"text":"It might be, you know, environmental, all those sort of things, and you've grown up in that same environment, and it places you at that higher risk.","start":269.15,"end":278.05502,"sentiment":"neutral","sentiment_score":-0.25121701260407764},{"text":"So, unfortunately, without that confirmation that she's negative for that test that the sister was positive for, we would have to rate the family history, which is, I think, what we've done when offering the cover initially.","start":278.595,"end":296.98,"sentiment":"negative","sentiment_score":-0.4291830832088316},{"text":"Yeah.","start":299.04,"end":299.54,"sentiment":"neutral","sentiment_score":-0.04491766542196274},{"text":"Yeah.","start":301.095,"end":301.33502,"sentiment":"neutral","sentiment_score":-0.006144835613667965}],"sentiment":"neutral","sentiment_score":-0.3304916764106098,"num_words":74,"start":267.15,"end":301.33502},{"sentences":[{"text":"Yep.","start":301.33502,"end":301.83502,"sentiment":"neutral","sentiment_score":0.017196958884596825},{"text":"That's all good.","start":305.73502,"end":306.795,"sentiment":"neutral","sentiment_score":0.20869710048039755},{"text":"Yeah.","start":307.015,"end":307.515,"sentiment":"neutral","sentiment_score":0.04336953908205032},{"text":"Yeah.","start":308.05502,"end":308.45502,"sentiment":"neutral","sentiment_score":0.024088900536298752},{"text":"Of course.","start":308.45502,"end":309.17502,"sentiment":"neutral","sentiment_score":0.020818240009248257}],"sentiment":"neutral","sentiment_score":0.09404789749532938,"num_words":8,"start":301.33502,"end":309.17502},{"sentences":[{"text":"Yep.","start":309.17502,"end":309.67502,"sentiment":"neutral","sentiment_score":0.02382270060479641},{"text":"Yeah.","start":310.215,"end":310.45502,"sentiment":"neutral","sentiment_score":0.04589705169200897},{"text":"Because I'm I'm not sure how you got on with getting that one across the line because I know I spoke to Georgia, and I'm like, well, look.","start":310.45502,"end":317.87,"sentiment":"neutral","sentiment_score":-0.11923086456954479},{"text":"I've I really do feel like it should be standard given her negative testing, and I know other companies would have considered it.","start":317.87,"end":326.59,"sentiment":"neutral","sentiment_score":-0.188457149202409},{"text":"So, yeah, I'm not sure whether that was an option you were looking at.","start":326.59,"end":330.565,"sentiment":"neutral","sentiment_score":-0.14493314336453164}],"sentiment":"neutral","sentiment_score":-0.1437660133493925,"num_words":67,"start":309.17502,"end":330.565},{"sentences":[{"text":"Yeah.","start":332.145,"end":332.645,"sentiment":"neutral","sentiment_score":-0.034269340336322784},{"text":"Yeah.","start":332.785,"end":333.285,"sentiment":"neutral","sentiment_score":-0.022803936153650284},{"text":"Mhmm.","start":335.425,"end":335.925,"sentiment":"neutral","sentiment_score":-0.006830642465502024},{"text":"Yep.","start":336.865,"end":337.365,"sentiment":"neutral","sentiment_score":0.004416651092469692},{"text":"Yeah.","start":337.585,"end":338.085,"sentiment":"neutral","sentiment_score":0.01149297971278429}],"sentiment":"neutral","sentiment_score":-0.009598857630044222,"num_words":5,"start":332.145,"end":338.085},{"sentences":[{"text":"Yeah.","start":338.305,"end":338.805,"sentiment":"neutral","sentiment_score":0.02318548783659935},{"text":"Sure.","start":339.425,"end":339.925,"sentiment":"neutral","sentiment_score":0.08269491791725159},{"text":"Okay.","start":339.985,"end":340.485,"sentiment":"neutral","sentiment_score":0.14397963881492615},{"text":"Wonderful.","start":341.35297,"end":341.85297,"sentiment":"positive","sentiment_score":0.5722529888153076},{"text":"No.","start":342.47296,"end":342.79294,"sentiment":"neutral","sentiment_score":0.1990374326705933}],"sentiment":"neutral","sentiment_score":0.2042300932109356,"num_words":5,"start":338.305,"end":342.79294},{"sentences":[{"text":"That's all good.","start":342.79294,"end":343.59296,"sentiment":"neutral","sentiment_score":0.31526265541712445},{"text":"Thanks, Jenna.","start":343.59296,"end":344.23294,"sentiment":"positive","sentiment_score":0.3569485992193222},{"text":"Have a good day.","start":344.23294,"end":345.13297,"sentiment":"positive","sentiment_score":0.6704193502664566},{"text":"Bye.","start":345.51294,"end":346.01294,"sentiment":"neutral","sentiment_score":0.2816757559776306}],"sentiment":"positive","sentiment_score":0.4623038321733475,"num_words":10,"start":342.79294,"end":346.01294}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Please note, your call may be recorded for quality and training purposes. Welcome to Zurich Under Routing. This is Jackie.\n\nChannel 0: Hi, Jackie. This is Jenna phoning from Oakview Financial. How are you today?\n\nChannel 1: I'm good, Jenna. How are you?\n\nChannel 0: I'm well. Thank you. I'm sorry that it's taken me a couple of days to come back to you. I'm just phoning in regards to Tamara Olsen and the breast and ovarian cancer exclusion\n\nChannel 1: Yeah.\n\nChannel 0: that you were looking into for me.\n\nChannel 1: I know. I'm sorry. It took a long time to get that one across\n\nChannel 0: I\n\nChannel 1: the line. I yeah.\n\nChannel 0: understand.\n\nChannel 1: Did you did you get the message there about that\n\nChannel 0: I\n\nChannel 1: one? So,\n\nChannel 0: I\n\nChannel 1: yeah,\n\nChannel 0: did.\n\nChannel 1: I finally got the confirmation that we could support standard rates. So we just need to get the confirmation of the sister's BRCA result and then her negative for that same gene. And, yeah, just a declaration of health as well just to make\n\nChannel 0: Yep.\n\nChannel 1: sure there's no other concerns or issues.\n\nChannel 0: So what I that's why I'm phoning. So I actually\n\nChannel 1: Mhmm.\n\nChannel 0: got a hold of Tamara this morning,\n\nChannel 1: Amazing.\n\nChannel 0: and we just got a\n\nChannel 1: Mhmm.\n\nChannel 0: I I explained that to her, and she said that she does not have access to her sister's genetic testing.\n\nChannel 1: Okay.\n\nChannel 0: The reason she said she recalled her sister verbally telling her and also family members verbally saying it, when Tamara went to get the genetic testing, she ended up\n\nChannel 1: Mhmm.\n\nChannel 0: having to pay for it herself because her\n\nChannel 1: Oh,\n\nChannel 0: sister's\n\nChannel 1: no.\n\nChannel 0: doctors\n\nChannel 1: Yep.\n\nChannel 0: had lost\n\nChannel 1: Mhmm.\n\nChannel 0: the result, which is actually\n\nChannel 1: Okay.\n\nChannel 0: quite common. I had a friend go through breast cancer two years ago, and they lost her results.\n\nChannel 1: Oh my gosh. Oh,\n\nChannel 0: So\n\nChannel 1: okay.\n\nChannel 0: she\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: So she doesn't have access to it. The reason why Tamara, along with her sister verbally saying it, but also the other reason why she did the test and subsequently paid for it and waited the two years for it to get done\n\nChannel 1: Mhmm.\n\nChannel 0: is because at some point, she will need to go through IVF because she's left it a bit late to have children.\n\nChannel 1: Mhmm.\n\nChannel 0: And the IVF clinic said that they would not look at an IVF plan hormonal wise with the injections and the drugs required because if she was BRCA positive, that\n\nChannel 1: Oh my\n\nChannel 0: those\n\nChannel 1: goodness.\n\nChannel 0: drugs\n\nChannel 1: Yeah.\n\nChannel 0: those drugs those drugs\n\nChannel 1: Can\n\nChannel 0: could\n\nChannel 1: cause issues. Oh, wow.\n\nChannel 0: it can actually bring on\n\nChannel 1: Yeah.\n\nChannel 0: because the the my understanding and mine's basic from my my best friend who had cancer is the ones that are BRCA can generally be hormone\n\nChannel 1: Yep.\n\nChannel 0: related or\n\nChannel 1: Yep.\n\nChannel 0: something like that.\n\nChannel 1: Mhmm.\n\nChannel 0: So if she did the hormone drugs,\n\nChannel 1: Mhmm.\n\nChannel 0: then it could create\n\nChannel 1: Change it to hormones and yep. Yep.\n\nChannel 0: yeah. So\n\nChannel 1: Mhmm.\n\nChannel 0: that's why those are the two reasons she went and did it. So, yeah, I kind of I understand what the medical offices and all that are\n\nChannel 1: Mhmm.\n\nChannel 0: saying, but I kind\n\nChannel 1: Yep.\n\nChannel 0: of I for I know underwriting needs to look at it in\n\nChannel 1: Yep.\n\nChannel 0: in the gray. I get that.\n\nChannel 1: Mhmm.\n\nChannel 0: But black\n\nChannel 1: Mhmm.\n\nChannel 0: and white, I think Tamara has the same realistic statistics that anybody else myself or somebody that hasn't even been tested of getting breast cancer, considering she's negative for the all those BRCA genes.\n\nChannel 1: Yeah. So I I guess the reason that I was having a lot of pushback with\n\nChannel 0: Mhmm.\n\nChannel 1: being able to review it is that the BRCA positive cancers are only a relatively small number. So there's a lot of\n\nChannel 0: Mhmm.\n\nChannel 1: environment factors and a whole heap of other factors that can lead to breast cancer, and and the BRCA one is only a minor percentage of overall breast cancers. So even though you might be BRCA negative with family history of breast cancer, you are at a higher risk than the general population,\n\nChannel 0: Mhmm.\n\nChannel 1: and particularly when the family member is diagnosed younger. And it might not be a genetic thing. It might be, you know, environmental, all those sort of things, and you've grown up in that same environment, and it places you at that higher risk. So, unfortunately, without that confirmation that she's negative for that test that the sister was positive for, we would have to rate the family history,\n\nChannel 0: Mhmm.\n\nChannel 1: which is, I think, what we've done when offering the cover initially.\n\nChannel 0: Okay. So the essentially,\n\nChannel 1: Yeah.\n\nChannel 0: the exclusion would still apply.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Okay. Alright. Beautiful. Well, thank you for confirming, and we'll\n\nChannel 1: That's all\n\nChannel 0: speak\n\nChannel 1: good.\n\nChannel 0: with the client.\n\nChannel 1: Yeah. Yeah. Of course. Yep.\n\nChannel 0: Alright.\n\nChannel 1: Yeah. Because\n\nChannel 0: Beautiful.\n\nChannel 1: I'm I'm not sure how you got on with getting that one across the line because I know I spoke to Georgia, and I'm like, well, look. I've I really do feel like it\n\nChannel 0: Yep.\n\nChannel 1: should be standard given her negative testing,\n\nChannel 0: Yep.\n\nChannel 1: and I know other companies would have considered it. So, yeah, I'm not sure whether that was an option\n\nChannel 0: We've\n\nChannel 1: you\n\nChannel 0: had\n\nChannel 1: were looking at.\n\nChannel 0: yeah. We we're still looking at that. Yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: there are some other\n\nChannel 1: Yeah.\n\nChannel 0: companies that are considering it. So we're just gonna go\n\nChannel 1: Mhmm.\n\nChannel 0: now do\n\nChannel 1: Yep.\n\nChannel 0: that process\n\nChannel 1: Yeah.\n\nChannel 0: and see how\n\nChannel 1: Yeah.\n\nChannel 0: we go.\n\nChannel 1: Sure. Okay.\n\nChannel 0: Thank you so\n\nChannel 1: Wonderful.\n\nChannel 0: much for your time, Jackie.\n\nChannel 1: No. That's all good. Thanks, Jenna. Have a good\n\nChannel 0: Okay.\n\nChannel 1: day.\n\nChannel 0: You too.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Please note, your call may be recorded for quality and training purposes.","start":0.71999997,"end":4.5,"sentiment":"neutral","sentiment_score":-0.014803200649718443},{"text":"Welcome to Zurich Under Routing.","start":20.365,"end":21.805,"sentiment":"neutral","sentiment_score":0.12023665010929108},{"text":"This is Jackie.","start":21.805,"end":22.545,"sentiment":"neutral","sentiment_score":0.1110318253437678}],"sentiment":"neutral","sentiment_score":0.03783201593905687,"channel":1,"num_words":20,"start":0.71999997,"end":22.545},{"sentences":[{"text":"Hi, Jackie.","start":23.125,"end":23.925,"sentiment":"neutral","sentiment_score":0.21046122163534164},{"text":"This is Jenna phoning from Oakview Financial.","start":23.925,"end":26.185,"sentiment":"neutral","sentiment_score":0.21303007219518935},{"text":"How are you today?","start":26.244999,"end":27.224998,"sentiment":"neutral","sentiment_score":0.30487101525068283}],"sentiment":"neutral","sentiment_score":0.24089361612613386,"channel":0,"num_words":13,"start":23.125,"end":27.224998},{"sentences":[{"text":"I'm good, Jenna.","start":27.645,"end":28.365,"sentiment":"positive","sentiment_score":0.5571205615997314},{"text":"How are you?","start":28.365,"end":29.185,"sentiment":"positive","sentiment_score":0.3900071481863658}],"sentiment":"positive","sentiment_score":0.4735638548930486,"channel":1,"num_words":6,"start":27.645,"end":29.185},{"sentences":[{"text":"I'm well.","start":29.539999,"end":30.179998,"sentiment":"positive","sentiment_score":0.35244518518447876},{"text":"Thank you.","start":30.179998,"end":30.82,"sentiment":"positive","sentiment_score":0.4318731874227524},{"text":"I'm sorry that it's taken me a couple of days to come back to you.","start":30.82,"end":33.78,"sentiment":"negative","sentiment_score":-0.34176610310872396},{"text":"I'm just phoning in regards to Tamara Olsen and the breast and ovarian cancer exclusion","start":33.78,"end":39.8,"sentiment":"neutral","sentiment_score":-0.09969944184025128}],"sentiment":"neutral","sentiment_score":-0.14862783614765196,"channel":0,"num_words":34,"start":29.539999,"end":39.8},{"sentences":[{"text":"Yeah.","start":39.42,"end":39.92,"sentiment":"neutral","sentiment_score":-0.09863124787807465}],"sentiment":"neutral","sentiment_score":-0.09863124787807465,"channel":1,"num_words":1,"start":39.42,"end":39.92},{"sentences":[{"text":"that you were looking into for me.","start":39.94,"end":42.04,"sentiment":"neutral","sentiment_score":-0.11316739661352974}],"sentiment":"neutral","sentiment_score":-0.11316739661352974,"channel":0,"num_words":7,"start":39.94,"end":42.04},{"sentences":[{"text":"I 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The representative explains that Tamara had to pay for her previous testing due to her sister's negative results, but the customer's family members had similar negative results. The representative explains that the exclusion of the BRCA result would still apply and that they are still looking at the case."},"intents":{"segments":[{"text":"I'm just phoning in regards to Tamara Olsen and the breast and ovarian cancer exclusion Yeah.","start_word":58,"end_word":73,"intents":[{"intent":"Provide information about tamara olsen's cancer diagnosis","confidence_score":0.0000073042775}]},{"text":"The reason why Tamara, along with her sister verbally saying it, but also the other reason why she did the test and subsequently paid for it and waited the two years for it to get done Mhmm.","start_word":302,"end_word":338,"intents":[{"intent":"Discuss fbca test","confidence_score":0.000024613662}]},{"text":"and white, I think Tamara has the same realistic statistics that anybody else myself or somebody that hasn't even been tested of getting breast cancer, considering she's negative for the all those BRCA genes. Yeah.","start_word":526,"end_word":560,"intents":[{"intent":"Describe tamara's reactions and experiences with bca genes","confidence_score":2.6313802e-9}]},{"text":"So, unfortunately, without that confirmation that she's negative for that test that the sister was positive for, we would have to rate the family history, Mhmm. which is, I think, what we've done when offering the cover initially. Okay.","start_word":698,"end_word":736,"intents":[{"intent":"Assess bca positive test effect","confidence_score":0.000016672986}]}]},"sentiments":{"segments":[{"text":"Please note, your call may be recorded for quality and training purposes. Welcome to Zurich Under Routing. This is Jackie. Hi, Jackie. This is Jenna phoning from Oakview Financial. How are you today?","start_word":0,"end_word":32,"sentiment":"neutral","sentiment_score":0.1328687071800232},{"text":"I'm good, Jenna. How are you? I'm well. Thank you.","start_word":33,"end_word":42,"sentiment":"positive","sentiment_score":0.4571845829486847},{"text":"I'm sorry that it's taken me a couple of days to come back to you. I'm just phoning in regards to Tamara Olsen and the breast and ovarian cancer exclusion Yeah. that you were looking into for me. I know. I'm sorry. It took a long time to get that one across I the line. I yeah. understand. Did you did you get the message there about that I one? So, I yeah, did. I finally got the confirmation that we could support standard rates. So we just need to get the confirmation of the sister's BRCA result and then her negative for that same gene. And, yeah, just a declaration of health as well just to make Yep. sure there's no other concerns or issues. So what I that's why I'm phoning. So I actually got Mhmm. a hold of Tamara this morning, Amazing. and we just got a Mhmm. I I explained that to her, and she said that she does not have access to her sister's genetic testing. Okay. The reason she said she recalled her sister verbally telling her and also family members verbally saying it, when Tamara went to get the genetic testing, she ended up Mhmm. having to pay for it herself because her Oh, sister's no. doctors Yep. had lost Mhmm. the result, which is actually Okay. quite common. I had a friend go through breast cancer two years ago, and they lost her results. Oh my gosh. Oh, So okay. she Yep. yeah. Mhmm. So she doesn't have access to it. The reason why Tamara, along with her sister verbally saying it, but also the other reason why she did the test and subsequently paid for it and waited the two years for it to get done Mhmm. is because at some point, she will need to go through IVF because she's left it a bit late to have children. Mhmm. And the IVF clinic said that they would not look at an IVF plan hormonal wise with the injections and the drugs required because if she was BRCA positive, that Oh my those goodness. drugs Yeah.","start_word":43,"end_word":397,"sentiment":"neutral","sentiment_score":-0.1491686588022071},{"text":"those drugs those drugs Can could cause issues.","start_word":398,"end_word":405,"sentiment":"negative","sentiment_score":-0.4179729223251343},{"text":"Oh, wow. it can actually bring on Yeah. because the the my understanding and mine's basic from my my best friend who had cancer is the ones that are BRCA can generally be hormone Yep. related or Yep. something like that. Mhmm. So if she did the hormone drugs, Mhmm. then it could create Change it to hormones and yep. Yep. yeah. So Mhmm. that's why those are the two reasons she went and did it. So, yeah, I kind of I understand what the medical offices and all that are Mhmm. saying, but I kind Yep. of I for I know underwriting needs to look at it in Yep. in the gray. I get that. Mhmm. But black Mhmm.","start_word":406,"end_word":525,"sentiment":"neutral","sentiment_score":-0.15321803092956543},{"text":"and white, I think Tamara has the same realistic statistics that anybody else myself or somebody that hasn't even been tested of getting breast cancer, considering she's negative for the all those BRCA genes.","start_word":526,"end_word":559,"sentiment":"negative","sentiment_score":-0.4796285629272461},{"text":"Yeah.","start_word":560,"end_word":560,"sentiment":"neutral","sentiment_score":-0.2891544699668884},{"text":"So I I guess the reason that I was having a lot of pushback with Mhmm. being able to review it is that the BRCA positive cancers are only a relatively small number.","start_word":561,"end_word":593,"sentiment":"negative","sentiment_score":-0.4434623718261719},{"text":"So there's a lot of Mhmm. environment factors and a whole heap of other factors that can lead to breast cancer, and and the BRCA one is only a minor percentage of overall breast cancers. So even though you might be BRCA negative with family history of breast cancer, you are at a higher risk than the general population, Mhmm. and particularly when the family member is diagnosed younger. And it might not be a genetic thing. It might be, you know, environmental, all those sort of things, and you've grown up in that same environment, and it places you at that higher risk.","start_word":594,"end_word":697,"sentiment":"neutral","sentiment_score":-0.21131590868418032},{"text":"So, unfortunately, without that confirmation that she's negative for that test that the sister was positive for, we would have to rate the family history, Mhmm.","start_word":698,"end_word":723,"sentiment":"negative","sentiment_score":-0.4708317518234253},{"text":"which is, I think, what we've done when offering the cover initially. Okay. So the essentially, Yeah. the exclusion would still apply. Yeah. Yep. Yep. Okay. Alright. Beautiful. Well, thank you for confirming, and we'll That's all speak good. with the client. Yeah. Yeah. Of course. Yep. Alright. Yeah. Because Beautiful. I'm I'm not sure how you got on with getting that one across the line because I know I spoke to Georgia, and I'm like, well, look. I've I really do feel like it Yep. should be standard given her negative testing, Yep. and I know other companies would have considered it. So, yeah, I'm not sure whether that was an option We've you had were looking at. yeah. We we're still looking at that. Yeah. And Yeah. there are some other Yeah. companies that are considering it. So we're just gonna go Mhmm. now do Yep. that process Yeah. and see how Yeah. we go. Sure. Okay.","start_word":724,"end_word":882,"sentiment":"neutral","sentiment_score":-0.052737634629011154},{"text":"Thank you so Wonderful. much for your time, Jackie.","start_word":883,"end_word":891,"sentiment":"positive","sentiment_score":0.5097925662994385},{"text":"No. That's all good.","start_word":892,"end_word":895,"sentiment":"neutral","sentiment_score":0.2745974063873291},{"text":"Thanks, Jenna. Have a good Okay. day. You too.","start_word":896,"end_word":904,"sentiment":"positive","sentiment_score":0.5377086400985718},{"text":"Bye. Bye.","start_word":905,"end_word":906,"sentiment":"neutral","sentiment_score":0.21402952075004575}],"average":{"sentiment":"neutral","sentiment_score":-0.12955373167898723}}}}