{"metadata":{"transaction_key":"deprecated","request_id":"019e3e1f-a488-72b2-8c13-80d9a802d595","sha256":"99111f1d8d6d1cce89d9a6f940614db9d0c9254dafdda0c4c7dd57882acd2e94","created":"2026-05-19T02:45:23.550Z","duration":747.50397,"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":2877,"output_tokens":161},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3178,"output_tokens":3185},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3178,"output_tokens":384}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Jack. This is Veronica from XC Financial. How are you? Yeah. Good. Thanks. I had you booked in, just a bit of a catch up about your insurance. Is now still a good time? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Beautiful. That's exactly what I have here. And how's your day been? Been busy? Yeah. Yeah. Did did you guys get slammed yesterday as well with all the rain? Oh, nice. Yeah. And even, like, flood warnings in certain sections as well supposedly. So oh, yeah. You guys okay, though? Okay. Good. Good. Yeah. Yeah. Yeah. Perfect. It is pretty straightforward because we're just looking after your income protection. So it is pretty straightforward. Now my colleague, Whitlam, did send you an email yesterday, I believe, with an updated certificate of currency for your policy. Not sure if you did have a look at that. Okay. 110. And what do you think you're in tax for this year? Is that also around a 100 and 10? Okay. Yeah. So when I do have a look at it, also with the documents, when you have a look at it, he did send you a certificate of currency, which breaks down your insurance, but I will just go through that with you today. He did also send you a bit of a summary, but just ignore that one because I did notice that there was a bit of a typo, and it was accidentally added as a yearly premium instead of a monthly. So if you look at it and you go, oh, wow. That is super cheap. It's just a monthly premium. Yeah. And then he also sends you just an updated financial services guide. It is one of those compliance documents, just a bit of an updated version for you. Feel free to have a read over it when you have a moment. You may have seen there's been some slight updates to marketing and some photos in there if you do have a look at it. You'll also see myself in there if you do wanna put a face to the voice. But that was essentially your email. So if we do look at your income protection so when we did get it set up, I can see that it was about $9,595,000. So if it is now at a 110 let me just see here. Because the way that the income protection works is that it is calculated at the time of claim. So how it works is that if you were to go claim tomorrow, they will then calculate at 70% of the income at that time. Now how it also works is that you are only insured up to a certain amount. So what you are currently insured for is a monthly benefit of 5,657. So if your income is a 110, that would be about 6,416 that you could be insured for. So at the moment, it is under a little bit. If you want to increase it, we can definitely have a look at it. It would just mean that we would have to go through that whole underwriting process again to to get it all sorted because the insurers are taking on more risk. So they would wanna, like, go go through, like, health and everything like that as well. Correct. It will get more expensive. Yes. Okay. Yep. It is indexed. So oh, yes. Yes. You can call me whenever you want to. So even if you go, oh, yeah. Yep. Yeah. Perfect. And because you do have your policy paid out of pocket, you do get that tax deduction. So with the monthly premium, the total is 155 and 8¢ per month at the moment. And on a yearly basis, that's about 1,860. But because of the marginal tax rate, you'll still be within that 32% bracket. It would still give you about $598 in tax saving, which is great. So it does bring it down to about 1,265, which I'm sure your accountant does go through with you as well. Oh, yes. Yes. Yes. Who do you speak to from there? Chris. Oh, beautiful. Yes. So he would, yeah, be across all of that as well and can do all those deductions for you. Yep. Now with your income protection as well, just letting you know that you do have a ninety day waiting period. So that means that you do have to wait ninety days until you can start claiming on the policy. And it is also paid thirty days in arrears. So it would mean that you would start getting the payment after about a hundred and twenty days. Yep. And you do have a benefit period to age 65. So if something were to happen, it would run until age of 65. So, obviously, very comprehensive for you. Yep. Now I can see that you don't obviously have life, TPD, or trauma insurance. You're still happy without those three? Yep. Okay. Great. Perfect. Is there anything else that has changed in your life? So insurance is pretty straightforward. Just if I need to update the fax lines of your personal information that we have on file. So mhmm. Oh, congratulations. How how old? Oh, nice. That's very exciting. Oh, beautiful. I I can imagine. I'm actually pregnant at the moment and expecting a little girl in October. So, yeah, I'll be feeling that soon. Yes. First is first as well. I can't imagine. And, obviously, then probably the income protection would come in very handy and important if something were to happen to you. And your wife, Veronica, I have down here as a next step, Ken. That's still the case as well? Yep. Beautiful. And, otherwise, your occupation, has that changed? Are you still kind of working as a boilermaker? Yep. Perfect. Any changes to your assets or liabilities or all the same? Okay. Perfect. And health wise, all good still? Okay. Amazing. If anything ever were to happen, fingers crossed, it won't. But if anything ever were to happen and and you need to look at making a claim or anything, just give us a call, and we will obviously help you through the process and everything like that if something ever were to happen. Yep. Yep. Beautiful. Yes and no. It is dependent on you being unable to work. Yes. But if you get injured. No. Correct. Sorry. If you if you go and take up a super risky occupation or go skydiving or snowboarding and break a leg and you can't work, if you as long as you meet the definition of you cannot go back to work, it doesn't matter how that happens as long as you cannot go back to work and a doctor sign off on it. But it makes this a lot more comprehensive than, like, work cover because sometimes people are like, oh, well, what's really the difference? Well, work cover is only if the injury happens at work. This can happen anywhere. So it is correct. Yes. Exactly. As long as you can't work and the doctor signs off that you can't work and you meet the in the waiting period, then you will get that payment. Yep. Perfect. Let me see. Yeah. That was essentially everything. So it's pretty straightforward, just the income protection for you. If anything does change and you want to review the income protection or if you ever change your mind and you wanna look at, you know, live TV or trauma cover or anything like that, just just let us know, and we can definitely have a bit of a look at that for you. Yep. Yeah. Let me have a look if it's on the the document I have. On the certificate, it won't tell me. I'd have to log in to the portal, and we are currently working from home with the flood. Sorry. I can't get into the physical portal. Yeah. Because it should be paid last payment was paid on the May 7, so it should have come out quite recently. So even if you wanna go through your transactions and check where it came from and if you want to change it, so if you wanted to go elsewhere, just give us a call just for security for you. We do say don't email it through so it's in writing. Just give us a call, and we can always update it for you if you do wanna change where it's paid from. Yep. Amazing. Now do you have any other questions or anything else for me otherwise today, Jack, or pretty straightforward? Yeah. No. That's all done because you don't have to sign anything because you don't pay any ongoing fees. So you don't actually have to sign anything. The only thing is, obviously, the commission we get from your insurance policy, but that is your provider. So Ascender used to be MLC. They've now moved to Ascender. That's them paying us. It is not you paying us, so you don't actually pay anything for our services, just the just the insurances. Yeah. You don't need to sign anything. Yep. No problem. You too. And if you need anything else, Jack, just let me know, and, yeah, we'll be in touch. You too. 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afternoon, Jack. This is Veronica from XC Financial. How are you? Yeah. Good.\n\nThanks. I had you booked in, just a bit of a catch up about your insurance. Is now still a good time? Yep. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Beautiful.\n\nThat's exactly what I have here. And how's your day been? Been busy? Yeah. Yeah.\n\nDid did you guys get slammed yesterday as well with all the rain? Oh, nice. Yeah. And even, like, flood warnings in certain sections as well supposedly. So oh, yeah.\n\nYou guys okay, though? Okay. Good. Good. Yeah.\n\nYeah. Yeah. Perfect. It is pretty straightforward because we're just looking after your income protection. So it is pretty straightforward.\n\nNow my colleague, Whitlam, did send you an email yesterday, I believe, with an updated certificate of currency for your policy. Not sure if you did have a look at that. Okay. 110. And what do you think you're in tax for this year?\n\nIs that also around a 100 and 10? Okay. Yeah. So when I do have a look at it, also with the documents, when you have a look at it, he did send you a certificate of currency, which breaks down your insurance, but I will just go through that with you today. He did also send you a bit of a summary, but just ignore that one because I did notice that there was a bit of a typo, and it was accidentally added as a yearly premium instead of a monthly.\n\nSo if you look at it and you go, oh, wow. That is super cheap. It's just a monthly premium. Yeah. And then he also sends you just an updated financial services guide.\n\nIt is one of those compliance documents, just a bit of an updated version for you. Feel free to have a read over it when you have a moment. You may have seen there's been some slight updates to marketing and some photos in there if you do have a look at it. You'll also see myself in there if you do wanna put a face to the voice. But that was essentially your email.\n\nSo if we do look at your income protection so when we did get it set up, I can see that it was about $9,595,000. So if it is now at a 110 let me just see here. Because the way that the income protection works is that it is calculated at the time of claim. So how it works is that if you were to go claim tomorrow, they will then calculate at 70% of the income at that time. Now how it also works is that you are only insured up to a certain amount.\n\nSo what you are currently insured for is a monthly benefit of 5,657. So if your income is a 110, that would be about 6,416 that you could be insured for. So at the moment, it is under a little bit. If you want to increase it, we can definitely have a look at it. It would just mean that we would have to go through that whole underwriting process again to to get it all sorted because the insurers are taking on more risk.\n\nSo they would wanna, like, go go through, like, health and everything like that as well. Correct. It will get more expensive. Yes. Okay.\n\nYep. It is indexed. So oh, yes. Yes. You can call me whenever you want to.\n\nSo even if you go, oh, yeah. Yep. Yeah. Perfect. And because you do have your policy paid out of pocket, you do get that tax deduction.\n\nSo with the monthly premium, the total is 155 and 8¢ per month at the moment. And on a yearly basis, that's about 1,860. But because of the marginal tax rate, you'll still be within that 32% bracket. It would still give you about $598 in tax saving, which is great. So it does bring it down to about 1,265, which I'm sure your accountant does go through with you as well.\n\nOh, yes. Yes. Yes. Who do you speak to from there? Chris.\n\nOh, beautiful. Yes. So he would, yeah, be across all of that as well and can do all those deductions for you. Yep. Now with your income protection as well, just letting you know that you do have a ninety day waiting period.\n\nSo that means that you do have to wait ninety days until you can start claiming on the policy. And it is also paid thirty days in arrears. So it would mean that you would start getting the payment after about a hundred and twenty days. Yep. And you do have a benefit period to age 65.\n\nSo if something were to happen, it would run until age of 65. So, obviously, very comprehensive for you. Yep. Now I can see that you don't obviously have life, TPD, or trauma insurance. You're still happy without those three?\n\nYep. Okay. Great. Perfect. Is there anything else that has changed in your life?\n\nSo insurance is pretty straightforward. Just if I need to update the fax lines of your personal information that we have on file. So mhmm. Oh, congratulations. How how old?\n\nOh, nice. That's very exciting. Oh, beautiful. I I can imagine. I'm actually pregnant at the moment and expecting a little girl in October.\n\nSo, yeah, I'll be feeling that soon. Yes. First is first as well. I can't imagine. And, obviously, then probably the income protection would come in very handy and important if something were to happen to you.\n\nAnd your wife, Veronica, I have down here as a next step, Ken. That's still the case as well? Yep. Beautiful. And, otherwise, your occupation, has that changed?\n\nAre you still kind of working as a boilermaker? Yep. Perfect. Any changes to your assets or liabilities or all the same? Okay.\n\nPerfect. And health wise, all good still? Okay. Amazing. If anything ever were to happen, fingers crossed, it won't.\n\nBut if anything ever were to happen and and you need to look at making a claim or anything, just give us a call, and we will obviously help you through the process and everything like that if something ever were to happen. Yep. Yep. Beautiful. Yes and no.\n\nIt is dependent on you being unable to work. Yes. But if you get injured. No. Correct.\n\nSorry. If you if you go and take up a super risky occupation or go skydiving or snowboarding and break a leg and you can't work, if you as long as you meet the definition of you cannot go back to work, it doesn't matter how that happens as long as you cannot go back to work and a doctor sign off on it. But it makes this a lot more comprehensive than, like, work cover because sometimes people are like, oh, well, what's really the difference? Well, work cover is only if the injury happens at work. This can happen anywhere.\n\nSo it is correct. Yes. Exactly. As long as you can't work and the doctor signs off that you can't work and you meet the in the waiting period, then you will get that payment. Yep.\n\nPerfect. Let me see. Yeah. That was essentially everything. So it's pretty straightforward, just the income protection for you.\n\nIf anything does change and you want to review the income protection or if you ever change your mind and you wanna look at, you know, live TV or trauma cover or anything like that, just just let us know, and we can definitely have a bit of a look at that for you. Yep. Yeah. Let me have a look if it's on the the document I have. On the certificate, it won't tell me.\n\nI'd have to log in to the portal, and we are currently working from home with the flood. Sorry. I can't get into the physical portal. Yeah. Because it should be paid last payment was paid on the May 7, so it should have come out quite recently.\n\nSo even if you wanna go through your transactions and check where it came from and if you want to change it, so if you wanted to go elsewhere, just give us a call just for security for you. We do say don't email it through so it's in writing. Just give us a call, and we can always update it for you if you do wanna change where it's paid from. Yep. Amazing.\n\nNow do you have any other questions or anything else for me otherwise today, Jack, or pretty straightforward? Yeah. No. That's all done because you don't have to sign anything because you don't pay any ongoing fees. So you don't actually have to sign anything.\n\nThe only thing is, obviously, the commission we get from your insurance policy, but that is your provider. So Ascender used to be MLC. They've now moved to Ascender. That's them paying us. It is not you paying us, so you don't actually pay anything for our services, just the just the insurances.\n\nYeah. You don't need to sign anything. Yep. No problem. You too.\n\nAnd if you need anything else, Jack, just let me know, and, yeah, we'll be in touch. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jack.","start":2.3999999,"end":3.36,"sentiment":"positive","sentiment_score":0.37471358974774677},{"text":"This is Veronica from XC Financial.","start":3.36,"end":5.14,"sentiment":"neutral","sentiment_score":0.2966369117299716},{"text":"How are you?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":0.2408040165901184},{"text":"Yeah.","start":7.7599998,"end":8.16,"sentiment":"neutral","sentiment_score":0.24102889001369476},{"text":"Good.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.4927854835987091}],"sentiment":"neutral","sentiment_score":0.3114420473575592,"num_words":14,"start":2.3999999,"end":8.559999},{"sentences":[{"text":"Thanks.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.5236471891403198},{"text":"I had you booked in, just a bit of a catch up about your insurance.","start":9.76,"end":14.099999,"sentiment":"neutral","sentiment_score":0.14222814093033473},{"text":"Is now still a good time?","start":14.16,"end":15.405,"sentiment":"neutral","sentiment_score":0.1873764842748642},{"text":"Yep.","start":16.845,"end":17.345,"sentiment":"neutral","sentiment_score":0.2646976411342621},{"text":"Perfect.","start":17.564999,"end":18.064999,"sentiment":"positive","sentiment_score":0.4747900366783142}],"sentiment":"neutral","sentiment_score":0.18836732860654593,"num_words":24,"start":8.559999,"end":18.064999},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.205,"end":25.105,"sentiment":"neutral","sentiment_score":0.07038276192956958},{"text":"Perfect.","start":26.925,"end":27.404999,"sentiment":"neutral","sentiment_score":0.2651878297328949},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":27.404999,"end":36.09,"sentiment":"neutral","sentiment_score":0.09501472331823842},{"text":"Yep.","start":43.445,"end":43.945,"sentiment":"neutral","sentiment_score":0.21905194222927096},{"text":"Beautiful.","start":44.164997,"end":44.664997,"sentiment":"positive","sentiment_score":0.6284282803535461}],"sentiment":"neutral","sentiment_score":0.09681308843077176,"num_words":63,"start":18.205,"end":44.664997},{"sentences":[{"text":"That's exactly what I have here.","start":44.805,"end":46.405,"sentiment":"positive","sentiment_score":0.5749950011571249},{"text":"And how's your day been?","start":46.405,"end":47.605,"sentiment":"neutral","sentiment_score":0.16183845698833466},{"text":"Been busy?","start":47.605,"end":48.344997,"sentiment":"neutral","sentiment_score":0.011105792596936226},{"text":"Yeah.","start":52.405,"end":52.905,"sentiment":"neutral","sentiment_score":-0.004981400445103645},{"text":"Yeah.","start":55.059998,"end":55.46,"sentiment":"neutral","sentiment_score":0.0037080664187669754}],"sentiment":"neutral","sentiment_score":0.2853400362034639,"num_words":15,"start":44.805,"end":55.46},{"sentences":[{"text":"Did did you guys get slammed yesterday as well with all the rain?","start":55.46,"end":59.559998,"sentiment":"neutral","sentiment_score":-0.053358324158650175},{"text":"Oh, nice.","start":62.82,"end":63.399998,"sentiment":"neutral","sentiment_score":0.12277140840888025},{"text":"Yeah.","start":67.715,"end":68.215,"sentiment":"neutral","sentiment_score":-0.003905372694134712},{"text":"And even, like, flood warnings in certain sections as well supposedly.","start":68.274994,"end":71.975,"sentiment":"neutral","sentiment_score":-0.022887618083834903},{"text":"So oh, yeah.","start":72.835,"end":77.41499,"sentiment":"neutral","sentiment_score":0.01755911111831665}],"sentiment":"neutral","sentiment_score":-0.021703574516868683,"num_words":30,"start":55.46,"end":77.41499},{"sentences":[{"text":"You guys okay, though?","start":77.954994,"end":79.335,"sentiment":"neutral","sentiment_score":0.02785676345229149},{"text":"Okay.","start":82.049995,"end":82.549995,"sentiment":"neutral","sentiment_score":0.07481591403484344},{"text":"Good.","start":83.729996,"end":84.229996,"sentiment":"neutral","sentiment_score":0.16695189476013184},{"text":"Good.","start":85.96999,"end":86.21,"sentiment":"neutral","sentiment_score":0.1924787014722824},{"text":"Yeah.","start":86.21,"end":86.71,"sentiment":"neutral","sentiment_score":0.07293572276830673}],"sentiment":"neutral","sentiment_score":0.0773261608555913,"num_words":8,"start":77.954994,"end":86.71},{"sentences":[{"text":"Yeah.","start":91.25,"end":91.75,"sentiment":"neutral","sentiment_score":0.009495212696492672},{"text":"Yeah.","start":93.585,"end":94.064995,"sentiment":"positive","sentiment_score":0.505577564239502},{"text":"Perfect.","start":94.064995,"end":94.564995,"sentiment":"positive","sentiment_score":0.7600394487380981},{"text":"It is pretty straightforward because we're just looking after your income protection.","start":94.704994,"end":98.325,"sentiment":"positive","sentiment_score":0.6171623369057974},{"text":"So it is pretty straightforward.","start":99.585,"end":101.284996,"sentiment":"positive","sentiment_score":0.49177698493003846}],"sentiment":"positive","sentiment_score":0.5569972596596926,"num_words":20,"start":91.25,"end":101.284996},{"sentences":[{"text":"Now my colleague, Whitlam, did send you an email yesterday, I believe, with an updated certificate of currency for your policy.","start":101.66499,"end":108.57,"sentiment":"neutral","sentiment_score":0.10546545294069108},{"text":"Not sure if you did have a look at that.","start":109.11,"end":111.37,"sentiment":"neutral","sentiment_score":-0.012796695344150066},{"text":"Okay.","start":137.62,"end":138.1,"sentiment":"neutral","sentiment_score":0.016240376979112625},{"text":"110.","start":138.1,"end":139.32,"sentiment":"neutral","sentiment_score":0.010525589808821678},{"text":"And what do you think you're in tax for this year?","start":139.78,"end":143.46,"sentiment":"neutral","sentiment_score":0.016424068249762058}],"sentiment":"neutral","sentiment_score":0.05214177899655293,"num_words":44,"start":101.66499,"end":143.46},{"sentences":[{"text":"Is that also around a 100 and 10?","start":143.46,"end":145.32,"sentiment":"neutral","sentiment_score":0.012532970285974443},{"text":"Okay.","start":147.66501,"end":148.065,"sentiment":"neutral","sentiment_score":0.04397875815629959},{"text":"Yeah.","start":148.065,"end":148.565,"sentiment":"neutral","sentiment_score":0.042932555079460144},{"text":"So when I do have a look at it, also with the documents, when you have a look at it, he did send you a certificate of currency, which breaks down your insurance, but I will just go through that with you today.","start":148.785,"end":158.405,"sentiment":"neutral","sentiment_score":0.06286925813832948},{"text":"He did also send you a bit of a summary, but just ignore that one because I did notice that there was a bit of a typo, and it was accidentally added as a yearly premium instead of a monthly.","start":158.72,"end":168.18,"sentiment":"neutral","sentiment_score":-0.028361092461273073}],"sentiment":"neutral","sentiment_score":0.018882897602374195,"num_words":93,"start":143.46,"end":168.18},{"sentences":[{"text":"So if you look at it and you go, oh, wow.","start":168.56,"end":170.31999,"sentiment":"neutral","sentiment_score":0.04818494109944864},{"text":"That is super cheap.","start":170.31999,"end":171.36,"sentiment":"neutral","sentiment_score":0.25775614753365517},{"text":"It's just a monthly premium.","start":171.36,"end":172.81999,"sentiment":"neutral","sentiment_score":0.04000318497419357},{"text":"Yeah.","start":175.065,"end":175.30501,"sentiment":"neutral","sentiment_score":0.08937646448612213},{"text":"And then he also sends you just an updated financial services guide.","start":175.30501,"end":179.085,"sentiment":"neutral","sentiment_score":0.11044792893032233}],"sentiment":"neutral","sentiment_score":0.09623716602271254,"num_words":33,"start":168.56,"end":179.085},{"sentences":[{"text":"It is one of those compliance documents, just a bit of an updated version for you.","start":179.38501,"end":183.46501,"sentiment":"neutral","sentiment_score":0.12910399306565523},{"text":"Feel free to have a read over it when you have a moment.","start":183.46501,"end":185.96501,"sentiment":"neutral","sentiment_score":0.1495360777928279},{"text":"You may have seen there's been some slight updates to marketing and some photos in there if you do have a look at it.","start":186.985,"end":192.97,"sentiment":"neutral","sentiment_score":0.07845120457932353},{"text":"You'll also see myself in there if you do wanna put a face to the voice.","start":193.43001,"end":196.73001,"sentiment":"neutral","sentiment_score":0.07680646353401244},{"text":"But that was essentially your email.","start":197.19,"end":199.11,"sentiment":"neutral","sentiment_score":0.034144073414305844}],"sentiment":"neutral","sentiment_score":0.09768306223054726,"num_words":75,"start":179.38501,"end":199.11},{"sentences":[{"text":"So if we do look at your income protection so when we did get it set up, I can see that it was about $9,595,000.","start":199.11,"end":207.725,"sentiment":"neutral","sentiment_score":0.07851159185171128},{"text":"So if it is now at a 110 let me just see here.","start":208.025,"end":215.725,"sentiment":"neutral","sentiment_score":0.060232114333372846},{"text":"Because the way that the income protection works is that it is calculated at the time of claim.","start":218.04,"end":224.78,"sentiment":"neutral","sentiment_score":0.07568807610207134},{"text":"So how it works is that if you were to go claim tomorrow, they will then calculate at 70% of the income at that time.","start":225.4,"end":234.265,"sentiment":"neutral","sentiment_score":0.11746332705020905},{"text":"Now how it also works is that you are only insured up to a certain amount.","start":234.80501,"end":240.185,"sentiment":"neutral","sentiment_score":0.0557340185623616}],"sentiment":"neutral","sentiment_score":0.08181979511048376,"num_words":97,"start":199.11,"end":240.185},{"sentences":[{"text":"So what you are currently insured for is a monthly benefit of 5,657.","start":240.32501,"end":247.38501,"sentiment":"neutral","sentiment_score":0.06096244718019779},{"text":"So if your income is a 110, that would be about 6,416 that you could be insured for.","start":248.49,"end":258.91,"sentiment":"neutral","sentiment_score":0.07755419425666332},{"text":"So at the moment, it is under a little bit.","start":260.02502,"end":262.765,"sentiment":"neutral","sentiment_score":-0.00272620040923357},{"text":"If you want to increase it, we can definitely have a look at it.","start":264.665,"end":269.625,"sentiment":"neutral","sentiment_score":0.054592273863298554},{"text":"It would just mean that we would have to go through that whole underwriting process again to to get it all sorted because the insurers are taking on more risk.","start":269.625,"end":279.85,"sentiment":"neutral","sentiment_score":-0.009799551342924435}],"sentiment":"neutral","sentiment_score":0.0309591835255132,"num_words":85,"start":240.32501,"end":279.85},{"sentences":[{"text":"So they would wanna, like, go go through, like, health and everything like that as well.","start":279.99,"end":285.37,"sentiment":"neutral","sentiment_score":-0.00027488189516589035},{"text":"Correct.","start":287.27,"end":287.59,"sentiment":"neutral","sentiment_score":0.003896651789546013},{"text":"It will get more expensive.","start":287.59,"end":288.88998,"sentiment":"neutral","sentiment_score":-0.033548835664987564},{"text":"Yes.","start":289.35,"end":289.85,"sentiment":"neutral","sentiment_score":0.12638868391513824},{"text":"Okay.","start":292.19498,"end":292.69498,"sentiment":"neutral","sentiment_score":0.20930445194244385}],"sentiment":"neutral","sentiment_score":0.0069769791249806685,"num_words":24,"start":279.99,"end":292.69498},{"sentences":[{"text":"Yep.","start":293.475,"end":293.975,"sentiment":"neutral","sentiment_score":0.11618226021528244},{"text":"It is indexed.","start":294.435,"end":295.975,"sentiment":"neutral","sentiment_score":0.07562123239040375},{"text":"So oh, yes.","start":296.19498,"end":301.255,"sentiment":"neutral","sentiment_score":0.036522459238767624},{"text":"Yes.","start":301.63498,"end":302.035,"sentiment":"neutral","sentiment_score":0.07386378943920135},{"text":"You can call me whenever you want to.","start":302.035,"end":303.555,"sentiment":"neutral","sentiment_score":0.12146344594657421}],"sentiment":"neutral","sentiment_score":0.09363654325716197,"num_words":16,"start":293.475,"end":303.555},{"sentences":[{"text":"So even if you go, oh, yeah.","start":303.555,"end":305.335,"sentiment":"neutral","sentiment_score":0.07479270600846835},{"text":"Yep.","start":308.5,"end":309.0,"sentiment":"neutral","sentiment_score":0.14730286598205566},{"text":"Yeah.","start":316.58,"end":316.97998,"sentiment":"positive","sentiment_score":0.37589168548583984},{"text":"Perfect.","start":316.97998,"end":317.47998,"sentiment":"positive","sentiment_score":0.6021891832351685},{"text":"And because you do have your policy paid out of pocket, you do get that tax deduction.","start":317.995,"end":322.57498,"sentiment":"positive","sentiment_score":0.4588068741209367}],"sentiment":"positive","sentiment_score":0.34994998284512097,"num_words":27,"start":303.555,"end":322.57498},{"sentences":[{"text":"So with the monthly premium, the total is 155 and 8¢ per month at the moment.","start":323.91498,"end":331.215,"sentiment":"neutral","sentiment_score":0.12401054576039314},{"text":"And on a yearly basis, that's about 1,860.","start":333.17,"end":337.75,"sentiment":"neutral","sentiment_score":0.21048997156322002},{"text":"But because of the marginal tax rate, you'll still be within that 32% bracket.","start":338.05002,"end":345.59,"sentiment":"neutral","sentiment_score":0.3070233996425356},{"text":"It would still give you about $598 in tax saving, which is great.","start":346.755,"end":351.555,"sentiment":"positive","sentiment_score":0.6206979407713964},{"text":"So it does bring it down to about 1,265, which I'm sure your accountant does go through with you as well.","start":351.555,"end":357.975,"sentiment":"neutral","sentiment_score":0.3153279473384221}],"sentiment":"neutral","sentiment_score":0.3173713475780588,"num_words":72,"start":323.91498,"end":357.975},{"sentences":[{"text":"Oh, yes.","start":363.56998,"end":364.31,"sentiment":"neutral","sentiment_score":0.02785960491746664},{"text":"Yes.","start":365.09,"end":365.59,"sentiment":"neutral","sentiment_score":0.008770482614636421},{"text":"Yes.","start":365.72998,"end":366.12997,"sentiment":"neutral","sentiment_score":0.008727233856916428},{"text":"Who do you speak to from there?","start":366.12997,"end":367.90997,"sentiment":"neutral","sentiment_score":-0.0006484071990208966},{"text":"Chris.","start":369.09,"end":369.56998,"sentiment":"neutral","sentiment_score":0.06209070235490799}],"sentiment":"neutral","sentiment_score":0.010897398189020654,"num_words":12,"start":363.56998,"end":369.56998},{"sentences":[{"text":"Oh, beautiful.","start":369.56998,"end":370.22998,"sentiment":"positive","sentiment_score":0.36647364497184753},{"text":"Yes.","start":370.44998,"end":370.935,"sentiment":"neutral","sentiment_score":0.21151751279830933},{"text":"So he would, yeah, be across all of that as well and can do all those deductions for you.","start":371.175,"end":376.155,"sentiment":"neutral","sentiment_score":0.20069151254076706},{"text":"Yep.","start":377.735,"end":378.235,"sentiment":"neutral","sentiment_score":0.216128408908844},{"text":"Now with your income protection as well, just letting you know that you do have a ninety day waiting period.","start":378.855,"end":385.275,"sentiment":"neutral","sentiment_score":0.16565197929739953}],"sentiment":"neutral","sentiment_score":0.19271561711333518,"num_words":43,"start":369.56998,"end":385.275},{"sentences":[{"text":"So that means that you do have to wait ninety days until you can start claiming on the policy.","start":385.75,"end":390.73,"sentiment":"neutral","sentiment_score":0.1525325896708589},{"text":"And it is also paid thirty days in arrears.","start":391.43,"end":395.05002,"sentiment":"neutral","sentiment_score":0.0684154476556513},{"text":"So it would mean that you would start getting the payment after about a hundred and twenty days.","start":395.11002,"end":399.105,"sentiment":"neutral","sentiment_score":0.11451493493384785},{"text":"Yep.","start":400.465,"end":400.965,"sentiment":"neutral","sentiment_score":0.07940509915351868},{"text":"And you do have a benefit period to age 65.","start":401.02502,"end":404.545,"sentiment":"neutral","sentiment_score":0.13925229609012604}],"sentiment":"neutral","sentiment_score":0.12363254599142492,"num_words":57,"start":385.75,"end":404.545},{"sentences":[{"text":"So if something were to happen, it would run until age of 65.","start":404.545,"end":407.825,"sentiment":"neutral","sentiment_score":0.1306796784584339},{"text":"So, obviously, very comprehensive for you.","start":407.825,"end":410.08502,"sentiment":"neutral","sentiment_score":0.29663707315921783},{"text":"Yep.","start":411.19998,"end":411.69998,"sentiment":"neutral","sentiment_score":0.181684672832489},{"text":"Now I can see that you don't obviously have life, TPD, or trauma insurance.","start":412.32,"end":416.82,"sentiment":"neutral","sentiment_score":0.09255449979432992},{"text":"You're still happy without those three?","start":416.88,"end":419.06,"sentiment":"neutral","sentiment_score":0.07255182725687821}],"sentiment":"neutral","sentiment_score":0.1347854223102331,"num_words":40,"start":404.545,"end":419.06},{"sentences":[{"text":"Yep.","start":421.28,"end":421.76,"sentiment":"neutral","sentiment_score":0.105988010764122},{"text":"Okay.","start":421.76,"end":422.16,"sentiment":"neutral","sentiment_score":0.2198721170425415},{"text":"Great.","start":422.16,"end":422.66,"sentiment":"positive","sentiment_score":0.5411558151245117},{"text":"Perfect.","start":422.8,"end":423.3,"sentiment":"positive","sentiment_score":0.4975773096084595},{"text":"Is there anything else that has changed in your life?","start":424.505,"end":428.185,"sentiment":"neutral","sentiment_score":0.18158632665872573}],"sentiment":"neutral","sentiment_score":0.22717546565192087,"num_words":14,"start":421.28,"end":428.185},{"sentences":[{"text":"So insurance is pretty straightforward.","start":428.185,"end":429.885,"sentiment":"neutral","sentiment_score":0.2684072256088257},{"text":"Just if I need to update the fax lines of your personal information that we have on file.","start":430.905,"end":436.125,"sentiment":"neutral","sentiment_score":0.12209047459893757},{"text":"So mhmm.","start":440.54,"end":440.7,"sentiment":"neutral","sentiment_score":-0.00991520844399929},{"text":"Oh, congratulations.","start":440.7,"end":441.6,"sentiment":"neutral","sentiment_score":0.3170953392982483},{"text":"How how old?","start":443.9,"end":445.2,"sentiment":"neutral","sentiment_score":0.0630261277159055}],"sentiment":"neutral","sentiment_score":0.1447701105227073,"num_words":30,"start":428.185,"end":445.2},{"sentences":[{"text":"Oh, nice.","start":447.82,"end":448.48,"sentiment":"positive","sentiment_score":0.3750617802143097},{"text":"That's very exciting.","start":448.86002,"end":450.80002,"sentiment":"neutral","sentiment_score":0.2861459602912267},{"text":"Oh, beautiful.","start":451.375,"end":452.115,"sentiment":"positive","sentiment_score":0.4519125521183014},{"text":"I I can imagine.","start":453.775,"end":455.055,"sentiment":"neutral","sentiment_score":0.13539744913578033},{"text":"I'm actually pregnant at the moment and expecting a little girl in October.","start":455.055,"end":458.915,"sentiment":"neutral","sentiment_score":0.10207285015628888}],"sentiment":"neutral","sentiment_score":0.1825384747547408,"num_words":24,"start":447.82,"end":458.915},{"sentences":[{"text":"So, yeah, I'll be feeling that soon.","start":458.975,"end":462.115,"sentiment":"neutral","sentiment_score":0.1374398624258382},{"text":"Yes.","start":462.415,"end":462.915,"sentiment":"neutral","sentiment_score":0.1708882451057434},{"text":"First is first as well.","start":464.01498,"end":465.875,"sentiment":"neutral","sentiment_score":0.20369693338871003},{"text":"I can't imagine.","start":466.71,"end":469.53,"sentiment":"neutral","sentiment_score":0.2671706626812617},{"text":"And, obviously, then probably the income protection would come in very handy and important if something were to happen to you.","start":471.59,"end":478.00998,"sentiment":"neutral","sentiment_score":0.09554546113525118}],"sentiment":"neutral","sentiment_score":0.13403834110578974,"num_words":37,"start":458.975,"end":478.00998},{"sentences":[{"text":"And your wife, Veronica, I have down here as a next step, Ken.","start":480.065,"end":484.625,"sentiment":"neutral","sentiment_score":0.04514710777080976},{"text":"That's still the case as well?","start":484.625,"end":486.165,"sentiment":"neutral","sentiment_score":0.03537085931748152},{"text":"Yep.","start":487.025,"end":487.505,"sentiment":"neutral","sentiment_score":0.08711177110671997},{"text":"Beautiful.","start":487.505,"end":488.005,"sentiment":"neutral","sentiment_score":0.24643972516059875},{"text":"And, otherwise, your occupation, has that changed?","start":489.265,"end":491.745,"sentiment":"neutral","sentiment_score":0.004173140839806625}],"sentiment":"neutral","sentiment_score":0.04149646568112075,"num_words":28,"start":480.065,"end":491.745},{"sentences":[{"text":"Are you still kind of working as a boilermaker?","start":491.745,"end":493.605,"sentiment":"neutral","sentiment_score":-0.011994995073311858},{"text":"Yep.","start":495.63998,"end":496.13998,"sentiment":"neutral","sentiment_score":0.05832071229815483},{"text":"Perfect.","start":496.2,"end":496.7,"sentiment":"neutral","sentiment_score":0.17546378076076508},{"text":"Any changes to your assets or liabilities or all the same?","start":497.56,"end":501.02,"sentiment":"neutral","sentiment_score":0.023921798914670944},{"text":"Okay.","start":503.72,"end":504.12,"sentiment":"neutral","sentiment_score":0.08854411542415619}],"sentiment":"neutral","sentiment_score":0.02076145395150651,"num_words":23,"start":491.745,"end":504.12},{"sentences":[{"text":"Perfect.","start":504.12,"end":504.6,"sentiment":"neutral","sentiment_score":0.16116122901439667},{"text":"And health wise, all good still?","start":504.6,"end":507.515,"sentiment":"neutral","sentiment_score":0.10243081860244274},{"text":"Okay.","start":508.295,"end":508.795,"sentiment":"neutral","sentiment_score":0.1333310604095459},{"text":"Amazing.","start":508.855,"end":509.355,"sentiment":"neutral","sentiment_score":0.13634726405143738},{"text":"If anything ever were to happen, fingers crossed, it won't.","start":509.655,"end":512.775,"sentiment":"neutral","sentiment_score":-0.08397373892366886}],"sentiment":"neutral","sentiment_score":0.01082563557122883,"num_words":19,"start":504.12,"end":512.775},{"sentences":[{"text":"But if anything ever were to happen and and you need to look at making a claim or anything, just give us a call, and we will obviously help you through the process and everything like that if something ever were to happen.","start":512.775,"end":523.78,"sentiment":"neutral","sentiment_score":0.02842422332181487},{"text":"Yep.","start":525.6,"end":526.1,"sentiment":"neutral","sentiment_score":0.04348180815577507},{"text":"Yep.","start":526.64,"end":527.14,"sentiment":"neutral","sentiment_score":0.060862258076667786},{"text":"Beautiful.","start":527.44,"end":527.94,"sentiment":"neutral","sentiment_score":0.21849465370178223},{"text":"Yes and no.","start":539.775,"end":540.655,"sentiment":"neutral","sentiment_score":-0.09558055053154628}],"sentiment":"neutral","sentiment_score":0.02568038104444134,"num_words":49,"start":512.775,"end":540.655},{"sentences":[{"text":"It is dependent on you being unable to work.","start":540.655,"end":544.03503,"sentiment":"neutral","sentiment_score":-0.17534667253494263},{"text":"Yes.","start":544.09503,"end":544.59503,"sentiment":"neutral","sentiment_score":-0.04374523460865021},{"text":"But if you get injured.","start":545.055,"end":546.675,"sentiment":"neutral","sentiment_score":-0.21299101263284684},{"text":"No.","start":548.46,"end":548.78,"sentiment":"neutral","sentiment_score":-0.20879292488098145},{"text":"Correct.","start":548.78,"end":549.26,"sentiment":"neutral","sentiment_score":-0.1706884503364563}],"sentiment":"neutral","sentiment_score":-0.18037068975322387,"num_words":17,"start":540.655,"end":549.26},{"sentences":[{"text":"Sorry.","start":549.26,"end":549.66003,"sentiment":"neutral","sentiment_score":-0.2217944711446762},{"text":"If you if you go and take up a super risky occupation or go skydiving or snowboarding and break a leg and you can't work, if you as long as you meet the definition of you cannot go back to work, it doesn't matter how that happens as long as you cannot go back to work and a doctor sign off on it.","start":549.66003,"end":568.495,"sentiment":"neutral","sentiment_score":-0.17199982182374077},{"text":"But it makes this a lot more comprehensive than, like, work cover because sometimes people are like, oh, well, what's really the difference?","start":568.495,"end":574.175,"sentiment":"neutral","sentiment_score":0.024924469220897427},{"text":"Well, work cover is only if the injury happens at work.","start":574.175,"end":577.14,"sentiment":"neutral","sentiment_score":-0.07136421955444595},{"text":"This can happen anywhere.","start":577.44,"end":579.06,"sentiment":"neutral","sentiment_score":-0.01767653226852417}],"sentiment":"neutral","sentiment_score":-0.11117875488365397,"num_words":102,"start":549.26,"end":579.06},{"sentences":[{"text":"So it is correct.","start":579.36,"end":581.22,"sentiment":"neutral","sentiment_score":-0.0240278048440814},{"text":"Yes.","start":582.39996,"end":582.89996,"sentiment":"neutral","sentiment_score":0.0332355797290802},{"text":"Exactly.","start":583.6,"end":584.08,"sentiment":"neutral","sentiment_score":0.1069459542632103},{"text":"As long as you can't work and the doctor signs off that you can't work and you meet the in the waiting period, then you will get that payment.","start":584.08,"end":591.3,"sentiment":"neutral","sentiment_score":0.10987333208322525},{"text":"Yep.","start":593.415,"end":593.915,"sentiment":"neutral","sentiment_score":0.11150576919317244}],"sentiment":"neutral","sentiment_score":0.09283063095062971,"num_words":36,"start":579.36,"end":593.915},{"sentences":[{"text":"Perfect.","start":594.055,"end":594.555,"sentiment":"positive","sentiment_score":0.3540550768375397},{"text":"Let me see.","start":596.055,"end":596.935,"sentiment":"neutral","sentiment_score":0.1878641148408254},{"text":"Yeah.","start":596.935,"end":597.175,"sentiment":"neutral","sentiment_score":0.1442987024784088},{"text":"That was essentially everything.","start":597.175,"end":598.535,"sentiment":"neutral","sentiment_score":0.14974313601851463},{"text":"So it's pretty straightforward, just the income protection for you.","start":598.535,"end":601.415,"sentiment":"neutral","sentiment_score":0.2119908094406128}],"sentiment":"neutral","sentiment_score":0.19899088222729533,"num_words":19,"start":594.055,"end":601.415},{"sentences":[{"text":"If anything does change and you want to review the income protection or if you ever change your mind and you wanna look at, you know, live TV or trauma cover or anything like that, just just let us know, and we can definitely have a bit of a look at that for you.","start":601.415,"end":617.205,"sentiment":"neutral","sentiment_score":0.10373958752111152},{"text":"Yep.","start":627.445,"end":627.945,"sentiment":"neutral","sentiment_score":0.08054113388061523},{"text":"Yeah.","start":628.405,"end":628.905,"sentiment":"neutral","sentiment_score":0.020279094576835632},{"text":"Let me have a look if it's on the the document I have.","start":629.54,"end":634.83997,"sentiment":"neutral","sentiment_score":0.02354677838201706},{"text":"On the certificate, it won't tell me.","start":642.915,"end":644.595,"sentiment":"neutral","sentiment_score":-0.06133767297225339}],"sentiment":"neutral","sentiment_score":0.07341450477313054,"num_words":76,"start":601.415,"end":644.595},{"sentences":[{"text":"I'd have to log in to the portal, and we are currently working from home with the flood.","start":644.595,"end":649.235,"sentiment":"neutral","sentiment_score":-0.11909863394167688},{"text":"Sorry.","start":649.235,"end":649.555,"sentiment":"neutral","sentiment_score":-0.2441752851009369},{"text":"I can't get into the physical portal.","start":649.555,"end":651.975,"sentiment":"neutral","sentiment_score":-0.3016489786761148},{"text":"Yeah.","start":658.29,"end":658.61,"sentiment":"neutral","sentiment_score":0.008463237434625626},{"text":"Because it should be paid last payment was paid on the May 7, so it should have come out quite recently.","start":658.61,"end":665.17,"sentiment":"neutral","sentiment_score":0.0455616960922877}],"sentiment":"neutral","sentiment_score":-0.07362988940440118,"num_words":48,"start":644.595,"end":665.17},{"sentences":[{"text":"So even if you wanna go through your transactions and check where it came from and if you want to change it, so if you wanted to go elsewhere, just give us a call just for security for you.","start":665.17,"end":676.29504,"sentiment":"neutral","sentiment_score":0.02943866451581319},{"text":"We do say don't email it through so it's in writing.","start":676.67505,"end":679.575,"sentiment":"neutral","sentiment_score":0.023687812753699043},{"text":"Just give us a call, and we can always update it for you if you do wanna change where it's paid from.","start":680.275,"end":686.02997,"sentiment":"neutral","sentiment_score":0.047024902421981096},{"text":"Yep.","start":687.37,"end":687.87,"sentiment":"positive","sentiment_score":0.5272442698478699},{"text":"Amazing.","start":688.17,"end":688.64996,"sentiment":"positive","sentiment_score":0.69432532787323}],"sentiment":"neutral","sentiment_score":0.049524206856920105,"num_words":74,"start":665.17,"end":688.64996},{"sentences":[{"text":"Now do you have any other questions or anything else for me otherwise today, Jack, or pretty straightforward?","start":688.64996,"end":693.31,"sentiment":"neutral","sentiment_score":0.28530540731218124},{"text":"Yeah.","start":695.075,"end":695.575,"sentiment":"neutral","sentiment_score":0.030069295316934586},{"text":"No.","start":700.27496,"end":700.595,"sentiment":"neutral","sentiment_score":0.011205695569515228},{"text":"That's all done because you don't have to sign anything because you don't pay any ongoing fees.","start":700.595,"end":705.01495,"sentiment":"neutral","sentiment_score":0.03965586774489459},{"text":"So you don't actually have to sign anything.","start":705.555,"end":707.975,"sentiment":"neutral","sentiment_score":-0.02336297440342605}],"sentiment":"neutral","sentiment_score":0.12586707286536694,"num_words":45,"start":688.64996,"end":707.975},{"sentences":[{"text":"The only thing is, obviously, the commission we get from your insurance policy, but that is your provider.","start":708.27496,"end":714.23,"sentiment":"neutral","sentiment_score":-0.00022698742234044604},{"text":"So Ascender used to be MLC.","start":714.61,"end":716.44995,"sentiment":"neutral","sentiment_score":-0.01157107421507438},{"text":"They've now moved to Ascender.","start":716.44995,"end":717.91,"sentiment":"neutral","sentiment_score":-0.004844231531023979},{"text":"That's them paying us.","start":718.69,"end":719.88995,"sentiment":"neutral","sentiment_score":0.012052353471517563},{"text":"It is not you paying us, so you don't actually pay anything for our services, just the just the insurances.","start":719.88995,"end":725.625,"sentiment":"neutral","sentiment_score":-0.00598394563421607}],"sentiment":"neutral","sentiment_score":-0.003192507081998969,"num_words":53,"start":708.27496,"end":725.625},{"sentences":[{"text":"Yeah.","start":727.365,"end":727.605,"sentiment":"neutral","sentiment_score":0.14190973341464996},{"text":"You don't need to sign anything.","start":727.605,"end":728.985,"sentiment":"neutral","sentiment_score":0.11048888539274533},{"text":"Yep.","start":730.805,"end":731.305,"sentiment":"neutral","sentiment_score":0.23875749111175537},{"text":"No problem.","start":731.525,"end":732.265,"sentiment":"positive","sentiment_score":0.42990244925022125},{"text":"You too.","start":736.58,"end":736.98004,"sentiment":"neutral","sentiment_score":0.15472147334367037}],"sentiment":"neutral","sentiment_score":0.18440403183922172,"num_words":12,"start":727.365,"end":736.98004},{"sentences":[{"text":"And if you need anything else, Jack, just let me know, and, yeah, we'll be in touch.","start":736.98004,"end":741.32,"sentiment":"neutral","sentiment_score":0.27992427612052245},{"text":"You too.","start":744.26,"end":744.9,"sentiment":"positive","sentiment_score":0.5860552787780762},{"text":"Bye.","start":744.9,"end":745.4,"sentiment":"positive","sentiment_score":0.35569316148757935}],"sentiment":"neutral","sentiment_score":0.31432582065463066,"num_words":20,"start":736.98004,"end":745.4}]}}]},{"alternatives":[{"transcript":"Hello. Jack speaking. Yeah. Good. Thanks. How are you doing? Yes. Yeah. Yeah. Not a problem. Yeah. No worries. It's Jack Albert Zanko. It's a six of the first 90 6, and it's 24 Point City Of Parade Varsity. Yeah. It's been busy. It's a bit quiet now with the rain still. So but, yeah, just trying to get what I can done. So but yeah. I slammed. Luckily, I was in a workshop yesterday, so kinda kept me out of the rain. But, yeah, I know a lot of other people that are struggling this week. Oh, exactly. Yeah. I know. We're the a river out the back of our house. So yeah, we're all above ground. We're just watching it. So yeah. No. It's all good. But but but, yeah, just let us know what if you what updates you need, and I'll let you know as much as I can. Yes. Mhmm. I briefly looked this morning. So my income has actually changed since the last year. So so it's I don't I don't know what I put it. I think it was around 80,000, and now my my taxable income from, like, the financial year that's gone was a 110,000. It'll be it'll it'll also be on track for around 110. Yes. Yeah. I got you. Yep. Yeah. Not a problem. Yes. Mhmm. Yes. Yes. Yeah. Yeah. And then that would change that monthly cost as well. Yeah. I'm happy actually just to leave it as is. So if I got thinking that if I think can I can I change that during the year if I decide to? Yeah. Yeah. So I I'll leave it for now to to so it's still all running. And then if I kind of I might just even speak to my Canon on that and to see what the best is, and and I'll just call you back to change it. Yes. Yep. Yep. Yeah. Perfect. Yeah. Because they they they're actually a part of because it's QC accounts I'm with anyway, so they're a part of you as well, aren't they? Yeah. Chris. Yeah. Yes. Perfect. Mhmm. Yeah. Yep. No worries. Yeah. Perfect. I'm happy at this point in time. Yeah. The only thing that's changed is we've had a kid, so that's about it. Oh, thank you. Just over a year. So just a little little girl. Yeah. It is. It's a handful. So oh, wow. Congratulations. Yeah. Nice. Is that your first? Yeah. Oh, very nice. No. It keeps keeps me entertained every afternoon, which is good. So Yeah. Exactly. Yes. Still a boilermaker. Yeah. Everything is pretty well the same. Yeah. Yeah. Completely the same. Yeah. All good. Yeah. Yep. Yeah. Absolutely. Because even because this because since the cover the cover, it it has only got to do in relation to work. But it's not actually directly got to do with being injured at work. Yeah. Yep. Yeah. Gotcha. Yep. Yeah. Gotcha. Any anywhere. Yeah. If if there's a car crash outside of work, it's fine. It's still covered here. Yeah. Perfect. Yeah. No worries. Oh, good. Yep. Mhmm. Yes. Wait. And you still do you withdraw from a a Visa card or from, like, a bank just to to make sure that's all updated if it's through from my card? I I believe it will be I believe it was the card. It's still 2027. So anything we can fix out fix that later. Yeah. Yes. Yeah. Perfect. No worries. No. That that should be about it. So and will is it will you send through another document to resign or is that all this done? Oh, I got you. Yeah. Yeah. Yep. Perfect. No worries. Alright. Well, thank you for updating all that. And, yeah, you have a you have a good day as well. Sounds good. Alright. You have a good one. Thank you so much. Alright. See you. 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Jack speaking. Yeah. Good. Thanks.\n\nHow are you doing? Yes. Yeah. Yeah. Not a problem.\n\nYeah. No worries. It's Jack Albert Zanko. It's a six of the first 90 6, and it's 24 Point City Of Parade Varsity. Yeah.\n\nIt's been busy. It's a bit quiet now with the rain still. So but, yeah, just trying to get what I can done. So but yeah. I slammed.\n\nLuckily, I was in a workshop yesterday, so kinda kept me out of the rain. But, yeah, I know a lot of other people that are struggling this week. Oh, exactly. Yeah. I know.\n\nWe're the a river out the back of our house. So yeah, we're all above ground. We're just watching it. So yeah. No.\n\nIt's all good. But but but, yeah, just let us know what if you what updates you need, and I'll let you know as much as I can. Yes. Mhmm. I briefly looked this morning.\n\nSo my income has actually changed since the last year. So so it's I don't I don't know what I put it. I think it was around 80,000, and now my my taxable income from, like, the financial year that's gone was a 110,000. It'll be it'll it'll also be on track for around 110. Yes.\n\nYeah. I got you. Yep. Yeah. Not a problem.\n\nYes. Mhmm. Yes. Yes. Yeah.\n\nYeah. And then that would change that monthly cost as well. Yeah. I'm happy actually just to leave it as is. So if I got thinking that if I think can I can I change that during the year if I decide to?\n\nYeah. Yeah. So I I'll leave it for now to to so it's still all running. And then if I kind of I might just even speak to my Canon on that and to see what the best is, and and I'll just call you back to change it. Yes.\n\nYep. Yep. Yeah. Perfect. Yeah.\n\nBecause they they they're actually a part of because it's QC accounts I'm with anyway, so they're a part of you as well, aren't they? Yeah. Chris. Yeah. Yes.\n\nPerfect. Mhmm. Yeah. Yep. No worries.\n\nYeah. Perfect. I'm happy at this point in time. Yeah. The only thing that's changed is we've had a kid, so that's about it.\n\nOh, thank you. Just over a year. So just a little little girl. Yeah. It is.\n\nIt's a handful. So oh, wow. Congratulations. Yeah. Nice.\n\nIs that your first? Yeah. Oh, very nice. No. It keeps keeps me entertained every afternoon, which is good.\n\nSo Yeah. Exactly. Yes. Still a boilermaker. Yeah.\n\nEverything is pretty well the same. Yeah. Yeah. Completely the same. Yeah.\n\nAll good. Yeah. Yep. Yeah. Absolutely.\n\nBecause even because this because since the cover the cover, it it has only got to do in relation to work. But it's not actually directly got to do with being injured at work. Yeah. Yep. Yeah.\n\nGotcha. Yep. Yeah. Gotcha. Any anywhere.\n\nYeah. If if there's a car crash outside of work, it's fine. It's still covered here. Yeah. Perfect.\n\nYeah. No worries. Oh, good. Yep. Mhmm.\n\nYes. Wait. And you still do you withdraw from a a Visa card or from, like, a bank just to to make sure that's all updated if it's through from my card? I I believe it will be I believe it was the card. It's still 2027.\n\nSo anything we can fix out fix that later. Yeah. Yes. Yeah. Perfect.\n\nNo worries. No. That that should be about it. So and will is it will you send through another document to resign or is that all this done? Oh, I got you.\n\nYeah. Yeah. Yep. Perfect. No worries.\n\nAlright. Well, thank you for updating all that. And, yeah, you have a you have a good day as well. Sounds good. Alright.\n\nYou have a good one. Thank you so much. Alright. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.04604320228099823},{"text":"Jack speaking.","start":1.1999999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.04442470520734787},{"text":"Yeah.","start":6.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.24413999915122983},{"text":"Good.","start":6.3199997,"end":6.56,"sentiment":"positive","sentiment_score":0.5617867708206177},{"text":"Thanks.","start":6.56,"end":6.7999997,"sentiment":"positive","sentiment_score":0.565214991569519}],"sentiment":"neutral","sentiment_score":0.2510057290395101,"num_words":6,"start":0.88,"end":6.7999997},{"sentences":[{"text":"How are you 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good.","start":593.61,"end":594.43,"sentiment":"positive","sentiment_score":0.34613585472106934},{"text":"Yep.","start":605.34503,"end":605.84503,"sentiment":"neutral","sentiment_score":0.04347439855337143},{"text":"Mhmm.","start":612.62,"end":613.12,"sentiment":"neutral","sentiment_score":0.07817310839891434}],"sentiment":"neutral","sentiment_score":0.15555052246366227,"num_words":7,"start":591.61,"end":613.12},{"sentences":[{"text":"Yes.","start":617.58,"end":617.9,"sentiment":"neutral","sentiment_score":0.11095717549324036},{"text":"Wait.","start":617.9,"end":618.22003,"sentiment":"neutral","sentiment_score":0.08511404693126678},{"text":"And you still do you withdraw from a a Visa card or from, like, a bank just to to make sure that's all updated if it's through from my card?","start":618.22003,"end":629.205,"sentiment":"neutral","sentiment_score":0.06663821339607238},{"text":"I I believe it will be I believe it was the card.","start":651.47504,"end":653.875,"sentiment":"neutral","sentiment_score":-0.1704977434128523},{"text":"It's still 2027.","start":653.875,"end":655.075,"sentiment":"neutral","sentiment_score":-0.20615391929944357}],"sentiment":"neutral","sentiment_score":-0.00998334158608254,"num_words":47,"start":617.58,"end":655.075},{"sentences":[{"text":"So anything we can fix out fix that later.","start":655.075,"end":658.695,"sentiment":"neutral","sentiment_score":-0.19590747356414795},{"text":"Yeah.","start":663.715,"end":664.05,"sentiment":"neutral","sentiment_score":0.0554264672100544},{"text":"Yes.","start":668.05,"end":668.55,"sentiment":"neutral","sentiment_score":0.04742620140314102},{"text":"Yeah.","start":686.355,"end":686.675,"sentiment":"neutral","sentiment_score":0.1828538328409195},{"text":"Perfect.","start":686.675,"end":687.15497,"sentiment":"positive","sentiment_score":0.5276228785514832}],"sentiment":"neutral","sentiment_score":-0.07306445246705642,"num_words":13,"start":655.075,"end":687.15497},{"sentences":[{"text":"No worries.","start":687.15497,"end":687.815,"sentiment":"positive","sentiment_score":0.37434084713459015},{"text":"No.","start":693.07495,"end":693.315,"sentiment":"neutral","sentiment_score":-0.013096779584884644},{"text":"That that should be about it.","start":693.315,"end":694.8,"sentiment":"neutral","sentiment_score":-0.018321152155598004},{"text":"So and will is it will you send through another document to resign or is that all this done?","start":695.12,"end":700.18,"sentiment":"neutral","sentiment_score":0.0007327398971507424},{"text":"Oh, I got you.","start":705.44,"end":706.08,"sentiment":"neutral","sentiment_score":0.017277369275689125}],"sentiment":"neutral","sentiment_score":0.022146548028104007,"num_words":32,"start":687.15497,"end":706.08},{"sentences":[{"text":"Yeah.","start":706.08,"end":706.58,"sentiment":"neutral","sentiment_score":-0.010656922124326227},{"text":"Yeah.","start":708.90497,"end":709.40497,"sentiment":"neutral","sentiment_score":-0.004266519099473953},{"text":"Yep.","start":726.86005,"end":727.36005,"sentiment":"neutral","sentiment_score":0.09899604320526124},{"text":"Perfect.","start":729.74005,"end":730.24005,"sentiment":"positive","sentiment_score":0.42542338371276855},{"text":"No worries.","start":730.30005,"end":731.04004,"sentiment":"neutral","sentiment_score":0.2436281219124794}],"sentiment":"neutral","sentiment_score":0.1661253715865314,"num_words":6,"start":706.08,"end":731.04004},{"sentences":[{"text":"Alright.","start":731.18005,"end":731.58,"sentiment":"neutral","sentiment_score":0.28565967082977295},{"text":"Well, thank you for updating all that.","start":731.58,"end":733.66003,"sentiment":"positive","sentiment_score":0.6492585710116795},{"text":"And, yeah, you have a you have a good day as well.","start":733.66003,"end":736.275,"sentiment":"positive","sentiment_score":0.6393225441376368},{"text":"Sounds good.","start":741.635,"end":742.275,"sentiment":"positive","sentiment_score":0.8031767904758453},{"text":"Alright.","start":742.275,"end":742.59503,"sentiment":"positive","sentiment_score":0.7220703959465027}],"sentiment":"positive","sentiment_score":0.6448158336722333,"num_words":23,"start":731.18005,"end":742.59503},{"sentences":[{"text":"You have a good one.","start":742.59503,"end":743.155,"sentiment":"positive","sentiment_score":0.8246179580688476},{"text":"Thank you so much.","start":743.155,"end":744.215,"sentiment":"positive","sentiment_score":0.8798863738775253},{"text":"Alright.","start":745.23505,"end":745.635,"sentiment":"neutral","sentiment_score":0.26153498888015747},{"text":"See you.","start":745.635,"end":745.955,"sentiment":"positive","sentiment_score":0.3592015355825424},{"text":"Bye.","start":745.955,"end":746.455,"sentiment":"neutral","sentiment_score":-0.08661895990371704}],"sentiment":"positive","sentiment_score":0.6566118758458358,"num_words":13,"start":742.59503,"end":746.455}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jack speaking.\n\nChannel 0: Good afternoon, Jack. This is Veronica from XC Financial. How are you?\n\nChannel 1: Yeah. Good. Thanks. How are you doing?\n\nChannel 0: Yeah. Good. Thanks. I had\n\nChannel 1: Yes.\n\nChannel 0: you booked in, just a bit of a catch up about your insurance. Is now still a good time?\n\nChannel 1: Yeah. Yeah. Not a problem.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: It's Jack Albert Zanko. It's a six of the first 90 6, and it's 24 Point City Of Parade Varsity.\n\nChannel 0: Yep. Beautiful. That's exactly what I have here. And how's your day been? Been busy?\n\nChannel 1: Yeah. It's been busy. It's a bit quiet now with the rain still. So\n\nChannel 0: Yeah.\n\nChannel 1: but, yeah, just trying to get what I can done. So\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: Did did you guys get slammed yesterday as well with all the\n\nChannel 1: yeah.\n\nChannel 0: rain?\n\nChannel 1: I slammed. Luckily, I was in a workshop yesterday, so kinda kept me out\n\nChannel 0: Oh,\n\nChannel 1: of\n\nChannel 0: nice.\n\nChannel 1: the rain. But, yeah, I know a lot of other people that are struggling this week.\n\nChannel 0: Yeah. And even, like, flood warnings in certain sections as well supposedly. So\n\nChannel 1: Oh, exactly. Yeah. I know. We're the a river out the back of our house.\n\nChannel 0: oh, yeah. You\n\nChannel 1: So\n\nChannel 0: guys okay, though?\n\nChannel 1: yeah, we're all above ground. We're just watching it.\n\nChannel 0: Okay.\n\nChannel 1: So yeah.\n\nChannel 0: Good.\n\nChannel 1: No. It's all good. But\n\nChannel 0: Good. Yeah.\n\nChannel 1: but but, yeah, just let us know what if you what updates you need, and\n\nChannel 0: Yeah.\n\nChannel 1: I'll let you know as much as I can.\n\nChannel 0: Yeah. Perfect. It is pretty straightforward because we're just looking after your income protection.\n\nChannel 1: Yes.\n\nChannel 0: So it is pretty straightforward. Now my colleague, Whitlam, did send you an email yesterday, I believe, with an updated certificate of currency for your policy. Not sure\n\nChannel 1: Mhmm.\n\nChannel 0: if you did have a look at that.\n\nChannel 1: I briefly looked this morning. So my income has actually changed since the last year. So so it's I don't I don't know what I put it. I think it was around 80,000, and now my my taxable income from, like, the financial year that's gone was a 110,000.\n\nChannel 0: Okay. 110. And what do you think you're in tax for this year? Is that also around\n\nChannel 1: It'll\n\nChannel 0: a 100\n\nChannel 1: be\n\nChannel 0: and\n\nChannel 1: it'll\n\nChannel 0: 10?\n\nChannel 1: it'll also be on track for around 110.\n\nChannel 0: Okay. Yeah. So when I do have a look at it, also with the documents, when you have a look at it, he did send you a certificate of currency, which breaks down your insurance, but I will just go through that with you today. He did\n\nChannel 1: Yes.\n\nChannel 0: also send you a bit of a summary, but just ignore that one because I did notice that there was a bit of a typo, and it was accidentally added as a yearly premium instead of a monthly. So if you look at it and you go, oh, wow. That is super cheap. It's just a monthly premium.\n\nChannel 1: Yeah. I got you. Yep.\n\nChannel 0: Yeah. And then he also sends you just an updated financial services guide. It is one of those compliance documents, just a bit of an updated version for you. Feel free to have a read over it when you have a moment. You may have seen there's been some slight updates to marketing and some photos in there if you do have a look at it.\n\nYou'll also see myself in there if you do wanna put a face to the voice. But\n\nChannel 1: Yeah.\n\nChannel 0: that was\n\nChannel 1: Not a\n\nChannel 0: essentially\n\nChannel 1: problem.\n\nChannel 0: your email. So if we do look at your income protection so when we did get it set up, I can see that it was about $9,595,000. So if it is now at a 110 let me just see here. Because the way that the income protection works is that it is calculated at the time of claim. So how\n\nChannel 1: Yes.\n\nChannel 0: it works is that if you were to go claim tomorrow, they will then calculate at 70% of the income\n\nChannel 1: Mhmm.\n\nChannel 0: at that time. Now how it also works is that you are only insured up to a certain amount. So what you are currently insured for is a monthly\n\nChannel 1: Yes.\n\nChannel 0: benefit of 5,657.\n\nChannel 1: Yes.\n\nChannel 0: So if your income is a 110, that would be about 6,416 that you could be insured for.\n\nChannel 1: Yeah.\n\nChannel 0: So at the moment, it is under a little bit. If you want to increase it, we can definitely have a look at it. It would just mean that we would have to go through that whole underwriting process again to to get it all sorted because the insurers are taking on more risk. So they would wanna, like,\n\nChannel 1: Yeah.\n\nChannel 0: go go through, like, health and everything like that\n\nChannel 1: And\n\nChannel 0: as\n\nChannel 1: then\n\nChannel 0: well.\n\nChannel 1: that would change that monthly\n\nChannel 0: Correct.\n\nChannel 1: cost\n\nChannel 0: It will get\n\nChannel 1: as\n\nChannel 0: more\n\nChannel 1: well.\n\nChannel 0: expensive.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: I'm happy actually just to leave it\n\nChannel 0: Okay.\n\nChannel 1: as is.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: It is indexed.\n\nChannel 1: if I got\n\nChannel 0: So\n\nChannel 1: thinking that if I think can I can I change that during the year if I decide\n\nChannel 0: oh, yes.\n\nChannel 1: to?\n\nChannel 0: Yes. You\n\nChannel 1: Yeah.\n\nChannel 0: can call me whenever you want to. So even\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: So\n\nChannel 0: you go,\n\nChannel 1: I\n\nChannel 0: oh,\n\nChannel 1: I'll\n\nChannel 0: yeah.\n\nChannel 1: leave it for now to to so it's still all running.\n\nChannel 0: Yep.\n\nChannel 1: And then if I kind of I might just even speak to my Canon on that and to see what the best is, and and I'll just call you back to change it.\n\nChannel 0: Yeah. Perfect. And because you do have your policy paid out of pocket, you do get that tax deduction.\n\nChannel 1: Yes.\n\nChannel 0: So with the monthly premium, the total is 155 and 8¢ per month at the moment.\n\nChannel 1: Yep.\n\nChannel 0: And on a yearly basis, that's about 1,860. But because of the marginal tax rate, you'll still be within that 32% bracket. It would still give you about $598 in tax saving, which is great. So it does\n\nChannel 1: Yep.\n\nChannel 0: bring it down to about 1,265, which I'm sure your accountant does go through with you as well.\n\nChannel 1: Yeah. Perfect. Yeah. Because they they they're actually a part of because it's QC accounts I'm with anyway,\n\nChannel 0: Oh,\n\nChannel 1: so they're\n\nChannel 0: yes.\n\nChannel 1: a part of you as well, aren't\n\nChannel 0: Yes.\n\nChannel 1: they?\n\nChannel 0: Yes. Who\n\nChannel 1: Yeah.\n\nChannel 0: do you speak to from there?\n\nChannel 1: Chris. Yeah.\n\nChannel 0: Chris. Oh, beautiful. Yes. So he would, yeah, be across all of that as well and can do all those deductions for you.\n\nChannel 1: Yes. Perfect.\n\nChannel 0: Yep. Now with your income protection as well, just letting you know\n\nChannel 1: Mhmm.\n\nChannel 0: that you do have a ninety day waiting period. So that means that you do have to wait ninety days until you can start claiming on the policy. And it\n\nChannel 1: Yeah.\n\nChannel 0: is also paid thirty days in arrears. So it would mean that you would start getting the payment after about a hundred and twenty days.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: No worries.\n\nChannel 0: And you do have a benefit period to age 65. So if something were to happen, it would run until age of 65. So, obviously, very comprehensive for you.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Yep. Now I can see that you don't obviously have life, TPD, or trauma insurance. You're still happy without those three?\n\nChannel 1: I'm happy at this point in time. Yeah.\n\nChannel 0: Yep. Okay. Great. Perfect. Is there anything else that has changed in your life?\n\nSo insurance is pretty straightforward. Just if I need to update the fax lines of your personal information that we have on file.\n\nChannel 1: The only thing that's changed is we've had a kid, so that's\n\nChannel 0: So mhmm.\n\nChannel 1: about\n\nChannel 0: Oh,\n\nChannel 1: it.\n\nChannel 0: congratulations.\n\nChannel 1: Oh, thank you.\n\nChannel 0: How how old?\n\nChannel 1: Just over a year.\n\nChannel 0: Oh, nice. That's\n\nChannel 1: So just a little\n\nChannel 0: very\n\nChannel 1: little\n\nChannel 0: exciting.\n\nChannel 1: girl.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: beautiful.\n\nChannel 1: It is. It's a handful.\n\nChannel 0: I I can imagine. I'm actually pregnant at the moment and\n\nChannel 1: So\n\nChannel 0: expecting a little\n\nChannel 1: oh, wow.\n\nChannel 0: girl in\n\nChannel 1: Congratulations.\n\nChannel 0: October. So, yeah,\n\nChannel 1: Yeah. Nice.\n\nChannel 0: I'll be\n\nChannel 1: Is that\n\nChannel 0: feeling\n\nChannel 1: your first?\n\nChannel 0: that soon. Yes.\n\nChannel 1: Yeah. Oh, very nice.\n\nChannel 0: First\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: It\n\nChannel 0: first\n\nChannel 1: keeps\n\nChannel 0: as well.\n\nChannel 1: keeps me entertained every afternoon,\n\nChannel 0: I\n\nChannel 1: which is good.\n\nChannel 0: can't imagine. And, obviously, then probably the income protection would come in very handy and important if something were to happen to you.\n\nChannel 1: So Yeah. Exactly.\n\nChannel 0: And your wife, Veronica, I have down here as a next step, Ken. That's still the case as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And, otherwise, your occupation, has that changed? Are you still kind of working as a boilermaker?\n\nChannel 1: Still a boilermaker. Yeah.\n\nChannel 0: Yep. Perfect. Any changes to your assets or liabilities or all the same?\n\nChannel 1: Everything is pretty well the same. Yeah.\n\nChannel 0: Okay. Perfect. And health wise, all\n\nChannel 1: Yeah.\n\nChannel 0: good\n\nChannel 1: Completely\n\nChannel 0: still?\n\nChannel 1: the same. Yeah. All good.\n\nChannel 0: Okay. Amazing. If anything ever were to happen, fingers crossed, it won't. But if anything ever\n\nChannel 1: Yeah.\n\nChannel 0: were to happen and and you need to look at making a claim or anything, just give us a call, and we will obviously help you through the process and everything like that if something ever were to happen.\n\nChannel 1: Yep. Yeah. Absolutely.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Because\n\nChannel 0: Beautiful.\n\nChannel 1: even because this because since the cover the cover, it it has only got to do in relation to work.\n\nChannel 0: Yes and no. It is dependent on you being unable to work. Yes.\n\nChannel 1: But\n\nChannel 0: But\n\nChannel 1: it's\n\nChannel 0: if\n\nChannel 1: not actually\n\nChannel 0: you get\n\nChannel 1: directly\n\nChannel 0: injured.\n\nChannel 1: got to do with being injured at work.\n\nChannel 0: No. Correct. Sorry. If you if you go and take up a super risky occupation or go skydiving or snowboarding and break a leg and you can't work, if you as long as you meet the definition of you cannot go back to work, it doesn't matter\n\nChannel 1: Yeah.\n\nChannel 0: how that happens as long as\n\nChannel 1: Yep.\n\nChannel 0: you cannot go back to work and a doctor sign off on it.\n\nChannel 1: Yeah.\n\nChannel 0: But it\n\nChannel 1: Gotcha.\n\nChannel 0: makes this\n\nChannel 1: Yep.\n\nChannel 0: a lot more comprehensive than, like, work cover because sometimes people are like, oh, well, what's really the difference? Well, work cover is only if the injury happens at work.\n\nChannel 1: Yeah.\n\nChannel 0: This can\n\nChannel 1: Gotcha.\n\nChannel 0: happen anywhere.\n\nChannel 1: Any anywhere.\n\nChannel 0: So it is\n\nChannel 1: Yeah. If if there's a car\n\nChannel 0: correct.\n\nChannel 1: crash outside of work, it's fine. It's still\n\nChannel 0: Yes.\n\nChannel 1: covered here.\n\nChannel 0: Exactly.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: As long as you can't work and the doctor signs off that you can't work and you meet the in the waiting period, then you will get that payment.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep.\n\nChannel 1: Oh, good.\n\nChannel 0: Perfect. Let me see. Yeah. That was essentially everything. So it's pretty straightforward, just the income protection for you.\n\nIf anything does change and you want to review the income protection or\n\nChannel 1: Yep.\n\nChannel 0: if you ever change your mind and you wanna look at, you know, live TV or trauma cover or anything like that,\n\nChannel 1: Mhmm.\n\nChannel 0: just just let us know, and we can definitely have a bit of a look at that for you.\n\nChannel 1: Yes. Wait. And you still do you withdraw from a a Visa card or from, like, a bank just to to make sure that's all updated\n\nChannel 0: Yep.\n\nChannel 1: if it's through from\n\nChannel 0: Yeah.\n\nChannel 1: my card?\n\nChannel 0: Let me have a look if it's on the the document I have. On the certificate, it won't tell me. I'd have to log in to the portal, and we are currently working from home with the flood. Sorry. I can't get into the physical portal.\n\nChannel 1: I I believe it will be I believe it was the card. It's still 2027. So anything we can fix out fix that later.\n\nChannel 0: Yeah. Because it should be paid last payment was paid on the May 7, so it\n\nChannel 1: Yeah.\n\nChannel 0: should have come out quite recently. So even if you wanna go through your transactions\n\nChannel 1: Yes.\n\nChannel 0: and check where it came from and if you want to change it, so if you wanted to go elsewhere, just give us a call just for security for you. We do say don't email it through so it's in writing. Just give us a call, and we can always update it for you if you do wanna change where it's paid from.\n\nChannel 1: Yeah. Perfect. No worries.\n\nChannel 0: Yep. Amazing. Now do you have any other questions or anything else for me otherwise today, Jack, or pretty straightforward?\n\nChannel 1: No. That that should be about it.\n\nChannel 0: Yeah.\n\nChannel 1: So and will is it will you send through another document to resign or is that all this done?\n\nChannel 0: No. That's all done because you don't have to sign anything because you don't pay any ongoing fees.\n\nChannel 1: Oh, I\n\nChannel 0: So\n\nChannel 1: got\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: don't\n\nChannel 1: Yeah.\n\nChannel 0: actually have to sign anything. The only thing\n\nChannel 1: Yeah.\n\nChannel 0: is, obviously, the commission we get from your insurance policy, but that is your provider. So Ascender used to be MLC. They've now moved to Ascender. That's them paying us. It is not you paying us, so you don't actually pay anything for our services, just the just the insurances.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. You don't need to sign anything.\n\nChannel 1: Perfect. No worries.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: No\n\nChannel 1: Well,\n\nChannel 0: problem.\n\nChannel 1: thank you for updating all that. And, yeah, you have a you have a good day as well.\n\nChannel 0: You too. And if you need anything else, Jack, just let me know, and, yeah, we'll be in touch.\n\nChannel 1: Sounds good. Alright. You have a good one. Thank you so much.\n\nChannel 0: You too. Bye.\n\nChannel 1: Alright. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.04604320228099823},{"text":"Jack speaking.","start":1.1999999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.04442470520734787}],"sentiment":"neutral","sentiment_score":0.04496420423189799,"channel":1,"num_words":3,"start":0.88,"end":1.9399999},{"sentences":[{"text":"Good afternoon, Jack.","start":2.3999999,"end":3.36,"sentiment":"positive","sentiment_score":0.37471358974774677},{"text":"This is Veronica from XC Financial.","start":3.36,"end":5.14,"sentiment":"neutral","sentiment_score":0.2966369117299716},{"text":"How are you?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":0.2408040165901184}],"sentiment":"neutral","sentiment_score":0.3021978574494521,"channel":0,"num_words":12,"start":2.3999999,"end":6.02},{"sentences":[{"text":"Yeah.","start":6.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.24413999915122983},{"text":"Good.","start":6.3199997,"end":6.56,"sentiment":"positive","sentiment_score":0.5617867708206177},{"text":"Thanks.","start":6.56,"end":6.7999997,"sentiment":"positive","sentiment_score":0.565214991569519},{"text":"How are you 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portal.","start":649.555,"end":651.975,"sentiment":"neutral","sentiment_score":-0.3016489786761148}],"sentiment":"neutral","sentiment_score":-0.10049454649181469,"channel":0,"num_words":46,"start":629.54,"end":651.975},{"sentences":[{"text":"I I believe it will be I believe it was the card.","start":651.47504,"end":653.875,"sentiment":"neutral","sentiment_score":-0.1704977434128523},{"text":"It's still 2027.","start":653.875,"end":655.075,"sentiment":"neutral","sentiment_score":-0.20615391929944357},{"text":"So anything we can fix out fix that later.","start":655.075,"end":658.695,"sentiment":"neutral","sentiment_score":-0.19590747356414795}],"sentiment":"neutral","sentiment_score":-0.18448341420541206,"channel":1,"num_words":24,"start":651.47504,"end":658.695},{"sentences":[{"text":"Yeah.","start":658.29,"end":658.61,"sentiment":"neutral","sentiment_score":0.008463237434625626},{"text":"Because it should be paid last payment was paid on the May 7, so it","start":658.61,"end":663.73,"sentiment":"neutral","sentiment_score":0.03386951486269633}],"sentiment":"neutral","sentiment_score":0.03228162252344191,"channel":0,"num_words":16,"start":658.29,"end":663.73},{"sentences":[{"text":"Yeah.","start":663.715,"end":664.05,"sentiment":"neutral","sentiment_score":0.0554264672100544}],"sentiment":"neutral","sentiment_score":0.0554264672100544,"channel":1,"num_words":1,"start":663.715,"end":664.05},{"sentences":[{"text":"should have come out quite recently.","start":663.73,"end":665.17,"sentiment":"neutral","sentiment_score":0.07479214916626613},{"text":"So even if you wanna go through your transactions","start":665.17,"end":667.19,"sentiment":"neutral","sentiment_score":0.027891478604740567}],"sentiment":"neutral","sentiment_score":0.04665174682935079,"channel":0,"num_words":15,"start":663.73,"end":667.19},{"sentences":[{"text":"Yes.","start":668.05,"end":668.55,"sentiment":"neutral","sentiment_score":0.04742620140314102}],"sentiment":"neutral","sentiment_score":0.04742620140314102,"channel":1,"num_words":1,"start":668.05,"end":668.55},{"sentences":[{"text":"and check where it came from and if you want to change it, so if you wanted to go elsewhere, just give us a call just for security for you.","start":668.35504,"end":676.29504,"sentiment":"neutral","sentiment_score":0.02990282028913498},{"text":"We do say don't email it through so it's in writing.","start":676.67505,"end":679.575,"sentiment":"neutral","sentiment_score":0.023687812753699043},{"text":"Just give us a call, and we can always update it for you if you do wanna change where it's paid from.","start":680.275,"end":686.02997,"sentiment":"neutral","sentiment_score":0.047024902421981096}],"sentiment":"neutral","sentiment_score":0.034796800035687664,"channel":0,"num_words":63,"start":668.35504,"end":686.02997},{"sentences":[{"text":"Yeah.","start":686.355,"end":686.675,"sentiment":"neutral","sentiment_score":0.1828538328409195},{"text":"Perfect.","start":686.675,"end":687.15497,"sentiment":"positive","sentiment_score":0.5276228785514832},{"text":"No worries.","start":687.15497,"end":687.815,"sentiment":"positive","sentiment_score":0.37434084713459015}],"sentiment":"positive","sentiment_score":0.36478960141539574,"channel":1,"num_words":4,"start":686.355,"end":687.815},{"sentences":[{"text":"Yep.","start":687.37,"end":687.87,"sentiment":"positive","sentiment_score":0.5272442698478699},{"text":"Amazing.","start":688.17,"end":688.64996,"sentiment":"positive","sentiment_score":0.69432532787323},{"text":"Now do you have any other questions or anything else for me otherwise today, Jack, or pretty straightforward?","start":688.64996,"end":693.31,"sentiment":"neutral","sentiment_score":0.28530540731218124}],"sentiment":"neutral","sentiment_score":0.3178533464670181,"channel":0,"num_words":20,"start":687.37,"end":693.31},{"sentences":[{"text":"No.","start":693.07495,"end":693.315,"sentiment":"neutral","sentiment_score":-0.013096779584884644},{"text":"That that should be about it.","start":693.315,"end":694.8,"sentiment":"neutral","sentiment_score":-0.018321152155598004}],"sentiment":"neutral","sentiment_score":-0.017574813216924667,"channel":1,"num_words":7,"start":693.07495,"end":694.8},{"sentences":[{"text":"Yeah.","start":695.075,"end":695.575,"sentiment":"neutral","sentiment_score":0.030069295316934586}],"sentiment":"neutral","sentiment_score":0.030069295316934586,"channel":0,"num_words":1,"start":695.075,"end":695.575},{"sentences":[{"text":"So and will is it will you send through another document to resign or is that all this done?","start":695.12,"end":700.18,"sentiment":"neutral","sentiment_score":0.0007327398971507424}],"sentiment":"neutral","sentiment_score":0.0007327398971507424,"channel":1,"num_words":19,"start":695.12,"end":700.18},{"sentences":[{"text":"No.","start":700.27496,"end":700.595,"sentiment":"neutral","sentiment_score":0.011205695569515228},{"text":"That's all done because you don't have to sign anything because you don't pay any ongoing fees.","start":700.595,"end":705.01495,"sentiment":"neutral","sentiment_score":0.03965586774489459}],"sentiment":"neutral","sentiment_score":0.03807530262404018,"channel":0,"num_words":18,"start":700.27496,"end":705.01495},{"sentences":[{"text":"Oh, I","start":705.44,"end":705.6,"sentiment":"neutral","sentiment_score":0.022040472365915775}],"sentiment":"neutral","sentiment_score":0.022040472365915775,"channel":1,"num_words":2,"start":705.44,"end":705.6},{"sentences":[{"text":"So","start":705.555,"end":705.795,"sentiment":"neutral","sentiment_score":0.01297290436923504}],"sentiment":"neutral","sentiment_score":0.01297290436923504,"channel":0,"num_words":1,"start":705.555,"end":705.795},{"sentences":[{"text":"got","start":705.6,"end":705.83997,"sentiment":"neutral","sentiment_score":0.021728672087192535}],"sentiment":"neutral","sentiment_score":0.021728672087192535,"channel":1,"num_words":1,"start":705.6,"end":705.83997},{"sentences":[{"text":"you","start":705.795,"end":705.875,"sentiment":"neutral","sentiment_score":0.0028947293758392334}],"sentiment":"neutral","sentiment_score":0.0028947293758392334,"channel":0,"num_words":1,"start":705.795,"end":705.875},{"sentences":[{"text":"you.","start":705.83997,"end":706.08,"sentiment":"neutral","sentiment_score":0.0032998602837324142}],"sentiment":"neutral","sentiment_score":0.0032998602837324142,"channel":1,"num_words":1,"start":705.83997,"end":706.08},{"sentences":[{"text":"don't","start":705.875,"end":706.195,"sentiment":"neutral","sentiment_score":-0.01639740914106369}],"sentiment":"neutral","sentiment_score":-0.01639740914106369,"channel":0,"num_words":1,"start":705.875,"end":706.195},{"sentences":[{"text":"Yeah.","start":706.08,"end":706.58,"sentiment":"neutral","sentiment_score":-0.010656922124326227}],"sentiment":"neutral","sentiment_score":-0.010656922124326227,"channel":1,"num_words":1,"start":706.08,"end":706.58},{"sentences":[{"text":"actually have to sign anything.","start":706.195,"end":707.975,"sentiment":"neutral","sentiment_score":-0.0372748039662838},{"text":"The only thing","start":708.27496,"end":708.995,"sentiment":"neutral","sentiment_score":0.00046991681059201557}],"sentiment":"neutral","sentiment_score":-0.023120533674955368,"channel":0,"num_words":8,"start":706.195,"end":708.995},{"sentences":[{"text":"Yeah.","start":708.90497,"end":709.40497,"sentiment":"neutral","sentiment_score":-0.004266519099473953}],"sentiment":"neutral","sentiment_score":-0.004266519099473953,"channel":1,"num_words":1,"start":708.90497,"end":709.40497},{"sentences":[{"text":"is, obviously, the commission we get from your insurance policy, but that is your provider.","start":708.995,"end":714.23,"sentiment":"neutral","sentiment_score":-0.0003663682689269384},{"text":"So Ascender used to be MLC.","start":714.61,"end":716.44995,"sentiment":"neutral","sentiment_score":-0.01157107421507438},{"text":"They've now moved to Ascender.","start":716.44995,"end":717.91,"sentiment":"neutral","sentiment_score":-0.004844231531023979},{"text":"That's them paying us.","start":718.69,"end":719.88995,"sentiment":"neutral","sentiment_score":0.012052353471517563},{"text":"It is not you paying us, so you don't actually pay anything for our services, just the just the insurances.","start":719.88995,"end":725.625,"sentiment":"neutral","sentiment_score":-0.00598394563421607}],"sentiment":"neutral","sentiment_score":-0.0034122525155544283,"channel":0,"num_words":50,"start":708.995,"end":725.625},{"sentences":[{"text":"Yep.","start":726.86005,"end":727.36005,"sentiment":"neutral","sentiment_score":0.09899604320526124}],"sentiment":"neutral","sentiment_score":0.09899604320526124,"channel":1,"num_words":1,"start":726.86005,"end":727.36005},{"sentences":[{"text":"Yeah.","start":727.365,"end":727.605,"sentiment":"neutral","sentiment_score":0.14190973341464996},{"text":"You don't need to sign 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you for updating all that.","start":732.06006,"end":733.66003,"sentiment":"positive","sentiment_score":0.7004957397778829},{"text":"And, yeah, you have a you have a good day as well.","start":733.66003,"end":736.275,"sentiment":"positive","sentiment_score":0.6393225441376368}],"sentiment":"positive","sentiment_score":0.6597136093510522,"channel":1,"num_words":18,"start":732.06006,"end":736.275},{"sentences":[{"text":"You too.","start":736.58,"end":736.98004,"sentiment":"neutral","sentiment_score":0.15472147334367037},{"text":"And if you need anything else, Jack, just let me know, and, yeah, we'll be in touch.","start":736.98004,"end":741.32,"sentiment":"neutral","sentiment_score":0.27992427612052245}],"sentiment":"neutral","sentiment_score":0.26674503372295905,"channel":0,"num_words":19,"start":736.58,"end":741.32},{"sentences":[{"text":"Sounds good.","start":741.635,"end":742.275,"sentiment":"positive","sentiment_score":0.8031767904758453},{"text":"Alright.","start":742.275,"end":742.59503,"sentiment":"positive","sentiment_score":0.7220703959465027},{"text":"You have a good one.","start":742.59503,"end":743.155,"sentiment":"positive","sentiment_score":0.8246179580688476},{"text":"Thank you so much.","start":743.155,"end":744.215,"sentiment":"positive","sentiment_score":0.8798863738775253}],"sentiment":"positive","sentiment_score":0.8309216052293777,"channel":1,"num_words":12,"start":741.635,"end":744.215},{"sentences":[{"text":"You too.","start":744.26,"end":744.9,"sentiment":"positive","sentiment_score":0.5860552787780762},{"text":"Bye.","start":744.9,"end":745.4,"sentiment":"positive","sentiment_score":0.35569316148757935}],"sentiment":"positive","sentiment_score":0.5092679063479105,"channel":0,"num_words":3,"start":744.26,"end":745.4},{"sentences":[{"text":"Alright.","start":745.23505,"end":745.635,"sentiment":"neutral","sentiment_score":0.26153498888015747},{"text":"See you.","start":745.635,"end":745.955,"sentiment":"positive","sentiment_score":0.3592015355825424},{"text":"Bye.","start":745.955,"end":746.455,"sentiment":"neutral","sentiment_score":-0.08661895990371704}],"sentiment":"neutral","sentiment_score":0.22332977503538132,"channel":1,"num_words":4,"start":745.23505,"end":746.455}]},"summary":{"result":"success","short":"A customer named Jack speaks with an agent named Veronica from Poc Financial named Veronica. Veronica confirms Jack's personal information and informs him that the call is being recorded. She explains that his insurance policy is updated and provides him with a financial services guide. The agent explains to Jack that his coverage is updated and provides information on his monthly premium and deduction. The agent also reminds the customer about their waiting period and offers assistance with claims. The agent explains to the customer that they have a benefit period until age 65 and that they do not have life, TPD, or trauma insurance. The agent also asks about the customer's marital status and other changes to their assets and liabilities. The coverage is still the same and the customer can update their information if they need to make a claim."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start_word":87,"end_word":117,"intents":[{"intent":"Confirm identity","confidence_score":0.5747948},{"intent":"Confirm identity","confidence_score":0.42201447}]},{"text":"It's Jack Albert Zanko. It's a six of the first 90 6, and it's 24 Point City Of Parade Varsity.","start_word":118,"end_word":137,"intents":[{"intent":"Confirm address","confidence_score":0.026028248}]},{"text":"It's been busy. It's a bit quiet now with the rain still. So Yeah.","start_word":154,"end_word":167,"intents":[{"intent":"Update availability","confidence_score":0.00022171346}]},{"text":"Now my colleague, Whitlam, did send you an email yesterday, I believe, with an updated certificate of currency for your policy.","start_word":328,"end_word":348,"intents":[{"intent":"Update policy information","confidence_score":0.26353768}]},{"text":"So at the moment, it is under a little bit. If you want to increase it, we can definitely have a look at it. It would just mean that we would have to go through that whole underwriting process again to to get it all sorted because the insurers are taking on more risk. So they would wanna, like, Yeah. go go through, like, health and everything like that And as then well. that would change that monthly Correct.","start_word":777,"end_word":855,"intents":[{"intent":"Update policy information","confidence_score":0.011677657}]},{"text":"So insurance is pretty straightforward. Just if I need to update the fax lines of your personal information that we have on file.","start_word":1279,"end_word":1301,"intents":[{"intent":"Clarify insurance requirements","confidence_score":0.008943528}]},{"text":"But But it's if not actually you get directly injured. got to do with being injured at work. No. Correct. Sorry.","start_word":1605,"end_word":1625,"intents":[{"intent":"Explaining injury definition","confidence_score":0.001818553}]},{"text":"makes this Yep. a lot more comprehensive than, like, work cover because sometimes people are like, oh, well, what's really the difference? Well, work cover is only if the injury happens at work. Yeah.","start_word":1694,"end_word":1727,"intents":[{"intent":"Providing work coverage","confidence_score":0.07853879}]},{"text":"So it's pretty straightforward, just the income protection for you. If anything does change and you want to review the income protection or Yep. if you ever change your mind and you wanna look at, you know, live TV or trauma cover or anything like that, Mhmm. just just let us know, and we can definitely have a bit of a look at that for you. Yes.","start_word":1803,"end_word":1869,"intents":[{"intent":"Discussing income protection","confidence_score":0.07362037}]},{"text":"if you ever change your mind and you wanna look at, you know, live TV or trauma cover or anything like that, Mhmm. just just let us know, and we can definitely have a bit of a look at that for you. Yes.","start_word":1827,"end_word":1869,"intents":[{"intent":"Discussing live tv or trauma coverage","confidence_score":0.0020497525}]},{"text":"And you still do you withdraw from a a Visa card or from, like, a bank just to to make sure that's all updated Yep. if it's through from Yeah. my card?","start_word":1871,"end_word":1902,"intents":[{"intent":"Providing information on withdrawing from a card","confidence_score":0.0017181516},{"intent":"Suggesting removing from a bank","confidence_score":7.8074675e-7}]},{"text":"I'd have to log in to the portal, and we are currently working from home with the flood. Sorry.","start_word":1924,"end_word":1942,"intents":[{"intent":"Inform about portal access","confidence_score":0.0009222912}]},{"text":"and check where it came from and if you want to change it, so if you wanted to go elsewhere, just give us a call just for security for you. We do say don't email it through so it's in writing. Just give us a call, and we can always update it for you if you do wanna change where it's paid from. Yeah.","start_word":2006,"end_word":2069,"intents":[{"intent":"Update payment information","confidence_score":0.06576121}]},{"text":"So and will is it will you send through another document to resign or is that all this done? No.","start_word":2101,"end_word":2120,"intents":[{"intent":"Provide information about service transfer","confidence_score":0.000004763834},{"intent":"Explain resignation process","confidence_score":0.0012329522}]},{"text":"That's all done because you don't have to sign anything because you don't pay any ongoing fees.","start_word":2121,"end_word":2137,"intents":[{"intent":"Confirm agreement","confidence_score":0.0057438524}]},{"text":"is, obviously, the commission we get from your insurance policy, but that is your provider. So Ascender used to be MLC. They've now moved to Ascender. That's them paying us. It is not you paying us, so you don't actually pay anything for our services, just the just the insurances. Yep.","start_word":2155,"end_word":2205,"intents":[{"intent":"Inform about insurance coverage","confidence_score":0.00011125071}]},{"text":"thank you for updating all that. And, yeah, you have a you have a good day as well. You too.","start_word":2221,"end_word":2240,"intents":[{"intent":"Express gratitude","confidence_score":0.18916744}]}]},"sentiments":{"segments":[{"text":"Hello. Jack speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0465269535779953},{"text":"Good afternoon, Jack.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3736512959003449},{"text":"This is Veronica from XC Financial. How are you? Yeah.","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.2645284831523895},{"text":"Good. Thanks.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.5635008811950684},{"text":"How are you doing? Yeah.","start_word":18,"end_word":22,"sentiment":"neutral","sentiment_score":0.30484825372695923},{"text":"Good. Thanks.","start_word":23,"end_word":24,"sentiment":"positive","sentiment_score":0.5082163214683533},{"text":"I had Yes. you booked in, just a bit of a catch up about your insurance. Is now still a good time? Yeah. Yeah. Not a problem. Yep.","start_word":25,"end_word":52,"sentiment":"neutral","sentiment_score":0.16051581501960754},{"text":"Perfect.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.4747900366783142},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. No worries. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? It's Jack Albert Zanko. It's a six of the first 90 6, and it's 24 Point City Of Parade Varsity. Yep.","start_word":54,"end_word":138,"sentiment":"neutral","sentiment_score":0.07768267393112183},{"text":"Beautiful. That's exactly what I have here.","start_word":139,"end_word":145,"sentiment":"positive","sentiment_score":0.5829778909683228},{"text":"And how's your day been? Been busy? Yeah. It's been busy. It's a bit quiet now with the rain still. So Yeah. but, yeah, just trying to get what I can done. So Yeah. but Did did you guys get slammed yesterday as well with all the yeah. rain? I slammed. Luckily, I was in a workshop yesterday, so kinda kept me out Oh, of nice. the rain. But, yeah, I know a lot of other people that are struggling this week. Yeah. And even, like, flood warnings in certain sections as well supposedly. So Oh, exactly. Yeah. I know. We're the a river out the back of our house. oh, yeah. You So guys okay, though? yeah, we're all above ground. We're just watching it. Okay. So yeah. Good. No. It's all good. But Good. Yeah. but but, yeah, just let us know what if you what updates you need, and Yeah. I'll let you know as much as I can.","start_word":146,"end_word":307,"sentiment":"neutral","sentiment_score":0.028827077605658107},{"text":"Yeah. Perfect. It is pretty straightforward because we're just looking after your income protection. Yes. So it is pretty straightforward.","start_word":308,"end_word":327,"sentiment":"positive","sentiment_score":0.5758242607116699},{"text":"Now my colleague, Whitlam, did send you an email yesterday, I believe, with an updated certificate of currency for your policy. Not sure Mhmm. if you did have a look at that. I briefly looked this morning. So my income has actually changed since the last year. So so it's I don't I don't know what I put it. I think it was around 80,000, and now my my taxable income from, like, the financial year that's gone was a 110,000. Okay. 110. And what do you think you're in tax for this year? Is that also around It'll a 100 be and it'll 10? it'll also be on track for around 110. Okay. Yeah. So when I do have a look at it, also with the documents, when you have a look at it, he did send you a certificate of currency, which breaks down your insurance, but I will just go through that with you today. He did Yes. also send you a bit of a summary, but just ignore that one because I did notice that there was a bit of a typo, and it was accidentally added as a yearly premium instead of a monthly. So if you look at it and you go, oh, wow. That is super cheap. It's just a monthly premium. Yeah. I got you. Yep. Yeah. And then he also sends you just an updated financial services guide. It is one of those compliance documents, just a bit of an updated version for you. Feel free to have a read over it when you have a moment. You may have seen there's been some slight updates to marketing and some photos in there if you do have a look at it. You'll also see myself in there if you do wanna put a face to the voice. But Yeah. that was Not essentially a problem. your email. So if we do look at your income protection so when we did get it set up, I can see that it was about $9,595,000. So if it is now at a 110 let me just see here. Because the way that the income protection works is that it is calculated at the time of claim. So how Yes. it works is that if you were to go claim tomorrow, they will then calculate at 70% of the income Mhmm. at that time. Now how it also works is that you are only insured up to a certain amount. So what you are currently insured for is a monthly Yes. benefit of 5,657. Yes. So if your income is a 110, that would be about 6,416 that you could be insured for. Yeah. So at the moment, it is under a little bit. If you want to increase it, we can definitely have a look at it. It would just mean that we would have to go through that whole underwriting process again to to get it all sorted because the insurers are taking on more risk. So they would wanna, like, Yeah. go go through, like, health and everything like that And as then well. that would change that monthly Correct. cost It will get as more well. expensive. Yeah. Yes. I'm happy actually just to leave it Okay. as is. Yep. So It is indexed. if I got So thinking that if I think can I can I change that during the year if I decide oh, yes. to? Yes. You Yeah. can call me whenever you want to. So even Yeah. if So you go, I oh, I'll yeah. leave it for now to to so it's still all running. Yep. And then if I kind of I might just even speak to my Canon on that and to see what the best is, and and I'll just call you back to change it.","start_word":328,"end_word":970,"sentiment":"neutral","sentiment_score":0.056733334370386176},{"text":"Yeah. Perfect. And because you do have your policy paid out of pocket, you do get that tax deduction.","start_word":971,"end_word":989,"sentiment":"positive","sentiment_score":0.4662542939186096},{"text":"Yes. So with the monthly premium, the total is 155 and 8<unk> per month at the moment. Yep. And on a yearly basis, that's about 1,860. But because of the marginal tax rate, you'll still be within that 32% bracket.","start_word":990,"end_word":1030,"sentiment":"neutral","sentiment_score":0.20940518379211423},{"text":"It would still give you about $598 in tax saving, which is great. So it does Yep.","start_word":1031,"end_word":1047,"sentiment":"positive","sentiment_score":0.5815109014511108},{"text":"bring it down to about 1,265, which I'm sure your accountant does go through with you as well. Yeah.","start_word":1048,"end_word":1066,"sentiment":"neutral","sentiment_score":0.27965080738067627},{"text":"Perfect.","start_word":1067,"end_word":1067,"sentiment":"positive","sentiment_score":0.39239972829818726},{"text":"Yeah. Because they they they're actually a part of because it's QC accounts I'm with anyway, Oh, so they're yes. a part of you as well, aren't Yes. they? Yes. Who Yeah. do you speak to from there? Chris. Yeah. Chris.","start_word":1068,"end_word":1108,"sentiment":"neutral","sentiment_score":0.05616239085793495},{"text":"Oh, beautiful.","start_word":1109,"end_word":1110,"sentiment":"positive","sentiment_score":0.36647364497184753},{"text":"Yes. So he would, yeah, be across all of that as well and can do all those deductions for you. Yes.","start_word":1111,"end_word":1131,"sentiment":"neutral","sentiment_score":0.19963638484477997},{"text":"Perfect.","start_word":1132,"end_word":1132,"sentiment":"positive","sentiment_score":0.44249463081359863},{"text":"Yep. Now with your income protection as well, just letting you know Mhmm. that you do have a ninety day waiting period. So that means that you do have to wait ninety days until you can start claiming on the policy. And it Yeah. is also paid thirty days in arrears. So it would mean that you would start getting the payment after about a hundred and twenty days. Yep. Yep. No worries. And you do have a benefit period to age 65. So if something were to happen, it would run until age of 65. So, obviously, very comprehensive for you. Yeah.","start_word":1133,"end_word":1235,"sentiment":"neutral","sentiment_score":0.14295558631420135},{"text":"Perfect.","start_word":1236,"end_word":1236,"sentiment":"positive","sentiment_score":0.400234192609787},{"text":"Yep. Now I can see that you don't obviously have life, TPD, or trauma insurance. You're still happy without those three? I'm happy at this point in time. Yeah. Yep. Okay.","start_word":1237,"end_word":1267,"sentiment":"neutral","sentiment_score":0.13385742902755737},{"text":"Great. Perfect.","start_word":1268,"end_word":1269,"sentiment":"positive","sentiment_score":0.5193665623664856},{"text":"Is there anything else that has changed in your life? So insurance is pretty straightforward. Just if I need to update the fax lines of your personal information that we have on file. The only thing that's changed is we've had a kid, so that's So mhmm. about Oh, it.","start_word":1270,"end_word":1318,"sentiment":"neutral","sentiment_score":0.11012624811419117},{"text":"congratulations. Oh, thank you.","start_word":1319,"end_word":1322,"sentiment":"positive","sentiment_score":0.4759487211704254},{"text":"How how old? Just over a year.","start_word":1323,"end_word":1329,"sentiment":"neutral","sentiment_score":0.04218321666121483},{"text":"Oh, nice.","start_word":1330,"end_word":1331,"sentiment":"positive","sentiment_score":0.3750617802143097},{"text":"That's So just a little very little exciting. girl. Oh, Yeah.","start_word":1332,"end_word":1342,"sentiment":"neutral","sentiment_score":0.291197270154953},{"text":"beautiful. It is.","start_word":1343,"end_word":1345,"sentiment":"positive","sentiment_score":0.5944690108299255},{"text":"It's a handful. I I can imagine. I'm actually pregnant at the moment and So expecting a little oh, wow. girl in Congratulations. October. So, yeah, Yeah.","start_word":1346,"end_word":1372,"sentiment":"neutral","sentiment_score":0.17537102103233335},{"text":"Nice.","start_word":1373,"end_word":1373,"sentiment":"positive","sentiment_score":0.4522416591644287},{"text":"I'll be Is that feeling your first? that soon. Yes. Yeah.","start_word":1374,"end_word":1384,"sentiment":"neutral","sentiment_score":0.1661275327205658},{"text":"Oh, very nice.","start_word":1385,"end_word":1387,"sentiment":"positive","sentiment_score":0.4849584698677063},{"text":"First No. is It first keeps as well.","start_word":1388,"end_word":1395,"sentiment":"neutral","sentiment_score":0.2082315534353256},{"text":"keeps me entertained every afternoon, I which is good.","start_word":1396,"end_word":1404,"sentiment":"positive","sentiment_score":0.5200288891792297},{"text":"can't imagine. And, obviously, then probably the income protection would come in very handy and important if something were to happen to you. So Yeah. Exactly. And your wife, Veronica, I have down here as a next step, Ken. That's still the case as well? Yes. Yep. Beautiful. And, otherwise, your occupation, has that changed? Are you still kind of working as a boilermaker? Still a boilermaker. Yeah. Yep. Perfect. Any changes to your assets or liabilities or all the same? Everything is pretty well the same. Yeah. Okay. Perfect. And health wise, all Yeah. good Completely still? the same. Yeah. All good. Okay. Amazing. If anything ever were to happen, fingers crossed, it won't. But if anything ever Yeah. were to happen and and you need to look at making a claim or anything, just give us a call, and we will obviously help you through the process and everything like that if something ever were to happen. Yep. Yeah. Absolutely. Yep. Yep. Because Beautiful. even because this because since the cover the cover, it it has only got to do in relation to work. Yes and no. It is dependent on you being unable to work. Yes. But But it's if not actually you get directly injured. got to do with being injured at work. No. Correct. Sorry. If you if you go and take up a super risky occupation or go skydiving or snowboarding and break a leg and you can't work, if you as long as you meet the definition of you cannot go back to work, it doesn't matter Yeah. how that happens as long as Yep. you cannot go back to work and a doctor sign off on it. Yeah. But it Gotcha. makes this Yep. a lot more comprehensive than, like, work cover because sometimes people are like, oh, well, what's really the difference? Well, work cover is only if the injury happens at work. Yeah. This can Gotcha. happen anywhere. Any anywhere. So it is Yeah. If if there's a car correct. crash outside of work, it's fine. It's still Yes. covered here. Exactly. Yeah.","start_word":1405,"end_word":1757,"sentiment":"neutral","sentiment_score":-0.0218950635925062},{"text":"Perfect.","start_word":1758,"end_word":1758,"sentiment":"positive","sentiment_score":0.40053385496139526},{"text":"As long as you can't work and the doctor signs off that you can't work and you meet the in the waiting period, then you will get that payment. Yeah. No worries. Yep.","start_word":1759,"end_word":1791,"sentiment":"neutral","sentiment_score":0.10430113971233368},{"text":"Oh, good. Perfect.","start_word":1792,"end_word":1794,"sentiment":"positive","sentiment_score":0.34877562522888184},{"text":"Let me see. Yeah. That was essentially everything. So it's pretty straightforward, just the income protection for you. If anything does change and you want to review the income protection or Yep. if you ever change your mind and you wanna look at, you know, live TV or trauma cover or anything like that, Mhmm. just just let us know, and we can definitely have a bit of a look at that for you. Yes. Wait. And you still do you withdraw from a a Visa card or from, like, a bank just to to make sure that's all updated Yep. if it's through from Yeah. my card? Let me have a look if it's on the the document I have. On the certificate, it won't tell me. I'd have to log in to the portal, and we are currently working from home with the flood. Sorry. I can't get into the physical portal. I I believe it will be I believe it was the card. It's still 2027. So anything we can fix out fix that later. Yeah. Because it should be paid last payment was paid on the May 7, so it Yeah. should have come out quite recently. So even if you wanna go through your transactions Yes. and check where it came from and if you want to change it, so if you wanted to go elsewhere, just give us a call just for security for you. We do say don't email it through so it's in writing. Just give us a call, and we can always update it for you if you do wanna change where it's paid from. Yeah.","start_word":1795,"end_word":2069,"sentiment":"neutral","sentiment_score":0.01943859787149863},{"text":"Perfect. No worries. Yep. Amazing.","start_word":2070,"end_word":2074,"sentiment":"positive","sentiment_score":0.5138198733329773},{"text":"Now do you have any other questions or anything else for me otherwise today, Jack, or pretty straightforward? No. That that should be about it. Yeah. So and will is it will you send through another document to resign or is that all this done? No. That's all done because you don't have to sign anything because you don't pay any ongoing fees. Oh, I So got you you. don't Yeah. actually have to sign anything. The only thing Yeah. is, obviously, the commission we get from your insurance policy, but that is your provider. So Ascender used to be MLC. They've now moved to Ascender. That's them paying us. It is not you paying us, so you don't actually pay anything for our services, just the just the insurances. Yep. Yeah. You don't need to sign anything.","start_word":2075,"end_word":2212,"sentiment":"neutral","sentiment_score":0.04267651215195656},{"text":"Perfect.","start_word":2213,"end_word":2213,"sentiment":"positive","sentiment_score":0.42542338371276855},{"text":"No worries. Yep. Alright.","start_word":2214,"end_word":2217,"sentiment":"neutral","sentiment_score":0.25768962502479553},{"text":"No Well, problem. thank you for updating all that. And, yeah, you have a you have a good day as well.","start_word":2218,"end_word":2238,"sentiment":"positive","sentiment_score":0.6087096333503723},{"text":"You too. And if you need anything else, Jack, just let me know, and, yeah, we'll be in touch.","start_word":2239,"end_word":2257,"sentiment":"neutral","sentiment_score":0.2736672006155315},{"text":"Sounds good. Alright. You have a good one. Thank you so much. You too. Bye.","start_word":2258,"end_word":2272,"sentiment":"positive","sentiment_score":0.7308483123779297},{"text":"Alright.","start_word":2273,"end_word":2273,"sentiment":"neutral","sentiment_score":0.26153498888015747},{"text":"See you.","start_word":2274,"end_word":2275,"sentiment":"positive","sentiment_score":0.3643255829811096},{"text":"Bye.","start_word":2276,"end_word":2276,"sentiment":"neutral","sentiment_score":0.18953971564769745}],"average":{"sentiment":"neutral","sentiment_score":0.09373020429626178}}}}