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Now just before I dive into it, mate, just to make it nice and easy for you, I will be off in half an hour, so I'll keep it short and sweet for you. I'll just do a quick security check with you. If I could please confirm your date of birth and address. Yep. Sensational. And are you okay for the call to be recorded? Perfect. Perfect. So, mate, basically, what we're doing is I've gone through all of the insurance stuff with Jack. You went through and did all the personal statement for us. And, basically, my job when it comes to underwriting and health concerns crossing between two different policies is it just gets flagged up to me as a senior adviser just to review your file, make sure it's all kosher, just to make sure we don't leave you in a bad position. Is that alright? Cool. Now just as a quick reminder, so what we were doing was replacing a Neos policy with an Ascender policy. Basically, same cover for half the price if that rings a bell. Perfect. Now we've gone through we've got pretty much 99% of all the health information we need for that to go in force. And then, basically, what I was cross referencing was the previous policy with Neos and just the the loadings and exclusions that you're going to get through the Ascender policy. Now just having a quick look at the statement of advice here, which is, I guess, the source of truth there, is we're we're pretty much expecting you to get the, the left shoulder exclusion for the pins. We've got the mental health exclusion for the anxiety medication, and the sleep apnea loading as well, if that rings a bell. Basically, they increase the price of your Neos policy and the Ascendor policy by a small percentage based on the sleep apnea, but all the pricing is the final pricing. So all of that's already been included. Cool. Now you already had, like, a a motor vehicle exclusion removed previously and a spinal exclusion, because I think there was a bit of, like, a a bike accident that you'd claimed on for the income protection. Does that ring a bell? Beautiful. And so, basically, what we're doing is we're replacing the policy, and they're almost like for like. The only difference between them was that the Neos policy didn't have the shoulder and the anxiety medication listed on it previously. You would have had a conversation with Kyle. I think it was actually late last year where he was just saying that they should have applied it to Neos. They're definitely gonna apply it to a sender. So in essence, it is like a like for like replacement. It's just you haven't gone through the big rigmarole with Neos, if that makes sense. So in these situations, I always think that it's best to just kind of dive in and get the new policy in place because that's the one that's best for you rather than kind of going back to Neos and trying to trigger them doing the full, you know, investigations and all that nonsense. So I just wanted to let you know that it's still that like for like replacement between the two, and it was just those conditions that we're expecting. Cool. Does all that actually make sense? Any questions so far? Beautiful. Now I've basically gone through with Jack, and we've grabbed all the old applications, pre assessments up, and the new ones and all the info you gave us. So we put it all into the application. The only thing that I wanted to get off you today, if possible, is for the the anxiety medication. Do you, by any chance, know the name of the medication? Yeah. No worries at all. Sensational. Ten milligrams. And was that the one that you will move to every second day on that one? Perfect. So ten milligrams every second day, and that was all from from 2015 onwards kind of thing. Citalopram. I love the name of these medications. So yep. I've got it here. Oh, Sandoz is the the short name for that one. Beautiful. So that all looks pretty good. Again, no point going through and talking to Neos and doing all the nonsense with them because that takes months and weeks and documentation. We'll just get the new one in place, the old one canceled, get those premiums half, and you should be good to go. Beautiful. Any questions for me before I let you go for your weekend? Amazing. Look, Sean, I do appreciate you giving me a chat straight after the old transport department on a Friday. But, basically, last step done, all closed off. You will probably get the insurer will send you, like, the email just to sign off on it all when the amended terms and everything come back, applications, and so on. And, look, they might may take a bit of time with doctor's reports and so on, but we've given them pretty much everything they could possibly want. Sometimes they just confirm it. Amazing. Well, thank you so much for your time, mate. Have a fantastic weekend, and I'll get Jack to reach out to you with some updates. Cheers, mate. See you later. 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Sean. Tommy here from. Thank you so much for your message. Now just before I dive into it, mate, just to make it nice and easy for you, I will be off in half an hour, so I'll keep it short and sweet for you. I'll just do a quick security check with you.\n\nIf I could please confirm your date of birth and address. Yep. Sensational. And are you okay for the call to be recorded? Perfect.\n\nPerfect. So, mate, basically, what we're doing is I've gone through all of the insurance stuff with Jack. You went through and did all the personal statement for us. And, basically, my job when it comes to underwriting and health concerns crossing between two different policies is it just gets flagged up to me as a senior adviser just to review your file, make sure it's all kosher, just to make sure we don't leave you in a bad position. Is that alright?\n\nCool. Now just as a quick reminder, so what we were doing was replacing a Neos policy with an Ascender policy. Basically, same cover for half the price if that rings a bell. Perfect. Now we've gone through we've got pretty much 99% of all the health information we need for that to go in force.\n\nAnd then, basically, what I was cross referencing was the previous policy with Neos and just the the loadings and exclusions that you're going to get through the Ascender policy. Now just having a quick look at the statement of advice here, which is, I guess, the source of truth there, is we're we're pretty much expecting you to get the, the left shoulder exclusion for the pins. We've got the mental health exclusion for the anxiety medication, and the sleep apnea loading as well, if that rings a bell. Basically, they increase the price of your Neos policy and the Ascendor policy by a small percentage based on the sleep apnea, but all the pricing is the final pricing. So all of that's already been included.\n\nCool. Now you already had, like, a a motor vehicle exclusion removed previously and a spinal exclusion, because I think there was a bit of, like, a a bike accident that you'd claimed on for the income protection. Does that ring a bell? Beautiful. And so, basically, what we're doing is we're replacing the policy, and they're almost like for like.\n\nThe only difference between them was that the Neos policy didn't have the shoulder and the anxiety medication listed on it previously. You would have had a conversation with Kyle. I think it was actually late last year where he was just saying that they should have applied it to Neos. They're definitely gonna apply it to a sender. So in essence, it is like a like for like replacement.\n\nIt's just you haven't gone through the big rigmarole with Neos, if that makes sense. So in these situations, I always think that it's best to just kind of dive in and get the new policy in place because that's the one that's best for you rather than kind of going back to Neos and trying to trigger them doing the full, you know, investigations and all that nonsense. So I just wanted to let you know that it's still that like for like replacement between the two, and it was just those conditions that we're expecting. Cool. Does all that actually make sense?\n\nAny questions so far? Beautiful. Now I've basically gone through with Jack, and we've grabbed all the old applications, pre assessments up, and the new ones and all the info you gave us. So we put it all into the application. The only thing that I wanted to get off you today, if possible, is for the the anxiety medication.\n\nDo you, by any chance, know the name of the medication? Yeah. No worries at all. Sensational. Ten milligrams.\n\nAnd was that the one that you will move to every second day on that one? Perfect. So ten milligrams every second day, and that was all from from 2015 onwards kind of thing. Citalopram. I love the name of these medications.\n\nSo yep. I've got it here. Oh, Sandoz is the the short name for that one. Beautiful. So that all looks pretty good.\n\nAgain, no point going through and talking to Neos and doing all the nonsense with them because that takes months and weeks and documentation. We'll just get the new one in place, the old one canceled, get those premiums half, and you should be good to go. Beautiful. Any questions for me before I let you go for your weekend? Amazing.\n\nLook, Sean, I do appreciate you giving me a chat straight after the old transport department on a Friday. But, basically, last step done, all closed off. You will probably get the insurer will send you, like, the email just to sign off on it all when the amended terms and everything come back, applications, and so on. 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See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Sean.","start":2.0,"end":2.72,"sentiment":"neutral","sentiment_score":0.13489658385515213},{"text":"Tommy here from.","start":2.72,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.1617927352587382},{"text":"Thank you so much for your message.","start":3.84,"end":5.2999997,"sentiment":"positive","sentiment_score":0.703650142465319},{"text":"Now just before I dive into it, mate, just to make it nice and easy for you, I will be off in half an hour, so I'll keep it short and sweet for you.","start":7.2,"end":13.815,"sentiment":"neutral","sentiment_score":0.14509944946450345},{"text":"I'll just do a quick security check with you.","start":14.375,"end":17.195,"sentiment":"neutral","sentiment_score":0.06526943296194077}],"sentiment":"neutral","sentiment_score":0.20366415543989702,"num_words":55,"start":2.0,"end":17.195},{"sentences":[{"text":"If I could please confirm your date of birth and 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Yeah. That's yep. Twenty third of fifth 76. 1 Cooler Bar Court, Highfields. Yeah. That's fine. Yep. Yep. Yep. That's fine. Yep. Yeah. So what's this, like, pepneo lighting, mate? Yeah. Right. Yeah. Well, yeah. Okay. Yep. Yep. Yes. Yes. No. I understand. Yep. Yep. Got it. It does. No. No. That's good. Yep. Yeah. Actually, let me just give you five here. I'll look at my script. It's escitalopram, spelled e s c I t a l o p r a m. Ten milligrams. Yes. That's correct. Yeah. Yeah. Okay. Yes. Yep. Beautiful. I'm I'm all good. Shit. That's terrible. Yep. Yep. Yep. That's fine. Please tell me. Thank you very much. Alright. 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correct.","start":278.97998,"end":279.72,"sentiment":"neutral","sentiment_score":0.11629179120063782}],"sentiment":"neutral","sentiment_score":0.02345559177920222,"num_words":25,"start":245.035,"end":279.72},{"sentences":[{"text":"Yeah.","start":284.82,"end":285.32,"sentiment":"neutral","sentiment_score":0.03667046129703522},{"text":"Yeah.","start":290.02,"end":290.52,"sentiment":"neutral","sentiment_score":0.1308005154132843},{"text":"Okay.","start":297.675,"end":298.175,"sentiment":"neutral","sentiment_score":0.12282030284404756},{"text":"Yes.","start":310.73,"end":311.23,"sentiment":"neutral","sentiment_score":-0.0182979553937912},{"text":"Yep.","start":316.41,"end":316.91,"sentiment":"neutral","sentiment_score":0.08952000737190247}],"sentiment":"neutral","sentiment_score":0.07230266630649566,"num_words":5,"start":284.82,"end":316.91},{"sentences":[{"text":"Beautiful.","start":319.24503,"end":319.74503,"sentiment":"positive","sentiment_score":0.3386848568916321},{"text":"I'm I'm all 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me.","start":368.54,"end":369.1,"sentiment":"neutral","sentiment_score":0.18521003425121307},{"text":"Thank you very much.","start":369.1,"end":370.0,"sentiment":"positive","sentiment_score":0.4299943521618843}],"sentiment":"neutral","sentiment_score":0.24119195562194695,"num_words":11,"start":350.335,"end":370.0},{"sentences":[{"text":"Alright.","start":371.66,"end":372.06,"sentiment":"neutral","sentiment_score":0.15178626775741577},{"text":"Bye.","start":372.06,"end":372.56,"sentiment":"neutral","sentiment_score":0.098388209939003}],"sentiment":"neutral","sentiment_score":0.12508723884820938,"num_words":2,"start":371.66,"end":372.56}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey, Sean. Tommy here from. Thank you so much for your message.\n\nChannel 1: Hello?\n\nChannel 0: Now just before I dive into it, mate, just to make it nice and easy for you, I will be off in half an hour, so I'll keep it short and sweet for you. I'll\n\nChannel 1: Yeah. That's\n\nChannel 0: just do a quick security check with you. If I could please confirm your date of birth and address.\n\nChannel 1: yep. Twenty third of fifth 76. 1\n\nChannel 0: Yep.\n\nChannel 1: Cooler Bar Court, Highfields.\n\nChannel 0: Sensational. And are you okay for the call to be recorded?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. Perfect. So, mate, basically, what we're doing is I've gone through all of the insurance stuff with Jack. You went through and did all the personal statement for us. And, basically, my job when it comes to underwriting and health concerns crossing between two different policies is it just gets\n\nChannel 1: Yep.\n\nChannel 0: flagged up to me as a senior adviser just to review your file, make sure it's all kosher, just to make sure we don't leave\n\nChannel 1: Yep.\n\nChannel 0: you in a bad position. Is that alright?\n\nChannel 1: Yep. That's\n\nChannel 0: Cool. Now just as a quick reminder, so what we were doing was replacing a Neos policy with an Ascender\n\nChannel 1: fine.\n\nChannel 0: policy. Basically, same cover for half the price if that rings a bell.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now we've gone through we've got pretty much 99% of all the health information we need for that to go in force. And then, basically, what I was cross referencing was the previous policy with Neos and just the the loadings and exclusions that you're going to get through the Ascender policy. Now just having a quick look at the statement of advice here, which is, I guess, the source of truth there, is we're we're pretty much expecting you to get the, the left shoulder exclusion for the pins. We've got the mental health exclusion for the anxiety medication, and the sleep apnea loading as well, if that rings a bell.\n\nChannel 1: Yeah. So what's this, like, pepneo lighting, mate?\n\nChannel 0: Basically, they increase the price of your Neos policy and the Ascendor policy by a small percentage based on\n\nChannel 1: Yeah.\n\nChannel 0: the sleep apnea, but\n\nChannel 1: Right.\n\nChannel 0: all the pricing is the final pricing. So all of that's already\n\nChannel 1: Yeah.\n\nChannel 0: been included.\n\nChannel 1: Well, yeah. Okay.\n\nChannel 0: Cool. Now you already had, like, a a motor vehicle exclusion removed previously and a spinal exclusion, because I think there was a bit of, like, a a bike accident that you'd claimed\n\nChannel 1: Yep.\n\nChannel 0: on for the income protection. Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And so, basically, what we're doing is we're replacing the policy, and they're almost like for like. The only difference between them was that the Neos policy didn't have the shoulder and the anxiety medication listed on it previously. You would have had a conversation with Kyle. I think it was actually late last year where he was just saying that they should have applied it to Neos.\n\nThey're definitely gonna apply it to a sender. So in essence, it is like a like for like replacement. It's just you haven't gone through the big rigmarole with Neos, if that makes sense.\n\nChannel 1: Yes. Yes. No. I understand.\n\nChannel 0: So in these situations, I always think that it's best to just kind of dive in and get the new policy in place because that's the one that's best for you rather than\n\nChannel 1: Yep.\n\nChannel 0: kind of going back to Neos and trying to trigger them doing the full, you know, investigations and all that nonsense. So I just wanted to let you know that it's still that like for like replacement between the two, and it was just those conditions that we're expecting.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Cool. Does all that actually make sense? Any questions so far?\n\nChannel 1: It does. No. No. That's good.\n\nChannel 0: Beautiful. Now I've basically gone through with Jack, and we've grabbed all the old applications, pre assessments up, and the new ones and all the info you gave us. So we put it all into the application. The only thing that I wanted to get off you today, if possible, is for\n\nChannel 1: Yep.\n\nChannel 0: the the anxiety medication. Do you, by any chance, know the name of the medication?\n\nChannel 1: Yeah. Actually, let me just give you five here.\n\nChannel 0: Yeah. No\n\nChannel 1: I'll\n\nChannel 0: worries\n\nChannel 1: look at\n\nChannel 0: at\n\nChannel 1: my\n\nChannel 0: all.\n\nChannel 1: script. It's escitalopram, spelled e s c I t a l o p r a m.\n\nChannel 0: Sensational.\n\nChannel 1: Ten milligrams.\n\nChannel 0: Ten milligrams. And was that the one that you will move to every second day on that one?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Perfect. So ten milligrams every second day,\n\nChannel 1: Yeah.\n\nChannel 0: and that was all from from 2015 onwards kind of thing. Citalopram.\n\nChannel 1: Yeah.\n\nChannel 0: I love the name of these medications. So yep. I've got it here. Oh, Sandoz is the the short name for that one.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. So that all looks pretty good. Again, no point going through and talking to Neos and doing all the nonsense with them because that takes months\n\nChannel 1: Yes.\n\nChannel 0: and weeks and documentation. We'll just get the new one in place, the old one canceled, get those premiums\n\nChannel 1: Yep.\n\nChannel 0: half, and you should be good to go.\n\nChannel 1: Beautiful.\n\nChannel 0: Beautiful. Any questions for me before I let you go for your\n\nChannel 1: I'm I'm all\n\nChannel 0: weekend?\n\nChannel 1: good.\n\nChannel 0: Amazing. Look, Sean, I do appreciate you giving me a chat straight after the old transport department on a Friday. But, basically,\n\nChannel 1: Shit.\n\nChannel 0: last\n\nChannel 1: That's\n\nChannel 0: step\n\nChannel 1: terrible.\n\nChannel 0: done, all closed off.\n\nChannel 1: Yep.\n\nChannel 0: You will probably get the insurer will send you, like, the email just to sign off on it all when the amended terms and everything come back, applications, and so on. And,\n\nChannel 1: Yep.\n\nChannel 0: look, they might may take a bit of time with doctor's reports and so on, but we've given them pretty much everything they could possibly want. Sometimes they just confirm it.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Amazing. Well, thank you so much for your time, mate. Have a fantastic weekend, and I'll get Jack to reach out to you with some updates.\n\nChannel 1: Please tell me. Thank you very much.\n\nChannel 0: Cheers, mate. See you later.\n\nChannel 1: Alright. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hey, Sean.","start":2.0,"end":2.72,"sentiment":"neutral","sentiment_score":0.13489658385515213},{"text":"Tommy here from.","start":2.72,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.1617927352587382},{"text":"Thank you so much for your message.","start":3.84,"end":5.2999997,"sentiment":"positive","sentiment_score":0.703650142465319}],"sentiment":"positive","sentiment_score":0.4733935308953126,"channel":0,"num_words":12,"start":2.0,"end":5.2999997},{"sentences":[{"text":"Hello?","start":5.6,"end":6.1,"sentiment":"positive","sentiment_score":0.3423095941543579}],"sentiment":"positive","sentiment_score":0.3423095941543579,"channel":1,"num_words":1,"start":5.6,"end":6.1},{"sentences":[{"text":"Now just before I dive into it, mate, just to make it nice and easy for you, I will be off in half an hour, so I'll keep it short and sweet for 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Highfields.","start":24.204998,"end":25.585,"sentiment":"neutral","sentiment_score":0.0159434120869264}],"sentiment":"neutral","sentiment_score":0.0159434120869264,"channel":1,"num_words":4,"start":24.204998,"end":25.585},{"sentences":[{"text":"Sensational.","start":27.015,"end":27.515,"sentiment":"neutral","sentiment_score":-0.01001383550465107},{"text":"And are you okay for the call to be recorded?","start":27.735,"end":29.55,"sentiment":"neutral","sentiment_score":0.014662296511232853}],"sentiment":"neutral","sentiment_score":0.012419011782516132,"channel":0,"num_words":11,"start":27.015,"end":29.55},{"sentences":[{"text":"Yeah.","start":30.45,"end":30.69,"sentiment":"neutral","sentiment_score":0.08803331851959229},{"text":"That's 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policy.","start":79.215004,"end":90.27,"sentiment":"neutral","sentiment_score":-0.061518595367670056},{"text":"Now just having a quick look at the statement of advice here, which is, I guess, the source of truth there, is we're we're pretty much expecting you to get the, the left shoulder exclusion for the pins.","start":92.329994,"end":103.495,"sentiment":"neutral","sentiment_score":-0.10777061481617},{"text":"We've got the mental health exclusion for the anxiety medication, and the sleep apnea loading as well, if that rings a bell.","start":103.875,"end":112.159996,"sentiment":"neutral","sentiment_score":-0.15651865980841898}],"sentiment":"neutral","sentiment_score":-0.08270725610344547,"channel":0,"num_words":113,"start":72.07,"end":112.159996},{"sentences":[{"text":"Yeah.","start":113.11,"end":113.35,"sentiment":"neutral","sentiment_score":-0.014715010300278664},{"text":"So what's this, like, pepneo lighting, 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later.","start":370.81998,"end":371.56,"sentiment":"neutral","sentiment_score":0.25152306258678436}],"sentiment":"neutral","sentiment_score":0.2971567302942276,"channel":0,"num_words":5,"start":370.25998,"end":371.56},{"sentences":[{"text":"Alright.","start":371.66,"end":372.06,"sentiment":"neutral","sentiment_score":0.15178626775741577},{"text":"Bye.","start":372.06,"end":372.56,"sentiment":"neutral","sentiment_score":0.098388209939003}],"sentiment":"neutral","sentiment_score":0.12508723884820938,"channel":1,"num_words":2,"start":371.66,"end":372.56},{"sentences":[{"text":"Bye.","start":372.81998,"end":373.31998,"sentiment":"neutral","sentiment_score":-0.06808516383171082}],"sentiment":"neutral","sentiment_score":-0.06808516383171082,"channel":0,"num_words":1,"start":372.81998,"end":373.31998}]},"summary":{"result":"success","short":"A representative from an insurance company is speaking with a customer named Sean about their insurance policy. The representative explains that they are replacing the customer's Neos policy with an Ascender fine and provides information about the coverage and exclusions of the policy. The customer is advised to sign off on the new policy and the representative provides updates on the situation."},"intents":{"segments":[{"text":"That's just do a quick security check with you. If I could please confirm your date of birth and address. yep.","start_word":49,"end_word":69,"intents":[{"intent":"Provide security check","confidence_score":0.015229798},{"intent":"Check file","confidence_score":0.0070579182}]},{"text":"If I could please confirm your date of birth and address.","start_word":58,"end_word":68,"intents":[{"intent":"Confirm identity","confidence_score":0.2362323},{"intent":"Confirm date of birth","confidence_score":0.114032395},{"intent":"Confirm date of birth","confidence_score":0.0368563},{"intent":"Confirm personal information","confidence_score":0.025403315}]},{"text":"Now just as a quick reminder, so what we were doing was replacing a Neos policy with an Ascender fine. policy. Basically, same cover for half the price if that rings a bell. Yep.","start_word":184,"end_word":217,"intents":[{"intent":"Recommend replacement policy","confidence_score":0.0021986922},{"intent":"Discuss policy coverage","confidence_score":0.07188594},{"intent":"Introduce neos policy","confidence_score":0.0000369779},{"intent":"Confirm policy stance","confidence_score":0.00006254006},{"intent":"Describe policy modifications","confidence_score":0.000012851361},{"intent":"Explain policy policy policy stance","confidence_score":3.082892e-7}]},{"text":"Now you already had, like, a a motor vehicle exclusion removed previously and a spinal exclusion, because I think there was a bit of, like, a a bike accident that you'd claimed Yep. on for the income protection. Does that ring a bell? Yep.","start_word":383,"end_word":426,"intents":[{"intent":"Exclude from policy","confidence_score":0.0002481759}]},{"text":"It's escitalopram, spelled e s c I t a l o p r a m. Sensational. Ten milligrams. Ten milligrams.","start_word":725,"end_word":744,"intents":[{"intent":"Provide medication details","confidence_score":0.02446345}]},{"text":"And was that the one that you will move to every second day on that one? Yes.","start_word":745,"end_word":761,"intents":[{"intent":"Ensure medication availability","confidence_score":0.0000866485}]},{"text":"Well, thank you so much for your time, mate. Have a fantastic weekend, and I'll get Jack to reach out to you with some updates. Please tell me. Thank you very much.","start_word":983,"end_word":1014,"intents":[{"intent":"Express appreciation","confidence_score":0.00027205603}]}]},"sentiments":{"segments":[{"text":"Hey, Sean. Tommy here from.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.1466839462518692},{"text":"Thank you so much for your message. Hello?","start_word":5,"end_word":12,"sentiment":"positive","sentiment_score":0.6268407702445984},{"text":"Now just before I dive into it, mate, just to make it nice and easy for you, I will be off in half an hour, so I'll keep it short and sweet for you. I'll Yeah. That's just do a quick security check with you. If I could please confirm your date of birth and address. yep. Twenty third of fifth 76. 1 Yep. Cooler Bar Court, Highfields. Sensational. And are you okay for the call to be recorded? Yeah. That's fine.","start_word":13,"end_word":94,"sentiment":"neutral","sentiment_score":0.07758647948503494},{"text":"Perfect. Perfect.","start_word":95,"end_word":96,"sentiment":"positive","sentiment_score":0.47874757647514343},{"text":"So, mate, basically, what we're doing is I've gone through all of the insurance stuff with Jack. You went through and did all the personal statement for us. And, basically, my job when it comes to underwriting and health concerns crossing between two different policies is it just gets Yep. flagged up to me as a senior adviser just to review your file, make sure it's all kosher, just to make sure we don't leave Yep.","start_word":97,"end_word":172,"sentiment":"neutral","sentiment_score":-0.04775696247816086},{"text":"you in a bad position.","start_word":173,"end_word":177,"sentiment":"negative","sentiment_score":-0.49117928743362427},{"text":"Is that alright? Yep. That's Cool. Now just as a quick reminder, so what we were doing was replacing a Neos policy with an Ascender fine. policy. Basically, same cover for half the price if that rings a bell. Yep. Perfect. Now we've gone through we've got pretty much 99% of all the health information we need for that to go in force. And then, basically, what I was cross referencing was the previous policy with Neos and just the the loadings and exclusions that you're going to get through the Ascender policy. Now just having a quick look at the statement of advice here, which is, I guess, the source of truth there, is we're we're pretty much expecting you to get the, the left shoulder exclusion for the pins. We've got the mental health exclusion for the anxiety medication, and the sleep apnea loading as well, if that rings a bell. Yeah. So what's this, like, pepneo lighting, mate? Basically, they increase the price of your Neos policy and the Ascendor policy by a small percentage based on Yeah. the sleep apnea, but Right. all the pricing is the final pricing. So all of that's already Yeah. been included. Well, yeah. Okay. Cool. Now you already had, like, a a motor vehicle exclusion removed previously and a spinal exclusion, because I think there was a bit of, like, a a bike accident that you'd claimed Yep. on for the income protection. Does that ring a bell? Yep.","start_word":178,"end_word":426,"sentiment":"neutral","sentiment_score":-0.03600151450878166},{"text":"Beautiful.","start_word":427,"end_word":427,"sentiment":"positive","sentiment_score":0.4157082438468933},{"text":"And so, basically, what we're doing is we're replacing the policy, and they're almost like for like. The only difference between them was that the Neos policy didn't have the shoulder and the anxiety medication listed on it previously. You would have had a conversation with Kyle. I think it was actually late last year where he was just saying that they should have applied it to Neos. They're definitely gonna apply it to a sender. So in essence, it is like a like for like replacement. It's just you haven't gone through the big rigmarole with Neos, if that makes sense. Yes. Yes. No. I understand. So in these situations, I always think that it's best to just kind of dive in and get the new policy in place because that's the one that's best for you rather than Yep. kind of going back to Neos and trying to trigger them doing the full, you know, investigations and all that nonsense. So I just wanted to let you know that it's still that like for like replacement between the two, and it was just those conditions that we're expecting. Yep. Got it. Cool. Does all that actually make sense? Any questions so far? It does. No. No. That's good.","start_word":428,"end_word":637,"sentiment":"neutral","sentiment_score":0.01765277050435543},{"text":"Beautiful.","start_word":638,"end_word":638,"sentiment":"positive","sentiment_score":0.4657839834690094},{"text":"Now I've basically gone through with Jack, and we've grabbed all the old applications, pre assessments up, and the new ones and all the info you gave us. So we put it all into the application. The only thing that I wanted to get off you today, if possible, is for Yep. the the anxiety medication. Do you, by any chance, know the name of the medication? Yeah. Actually, let me just give you five here. Yeah. No I'll worries look at at my all. script. It's escitalopram, spelled e s c I t a l o p r a m. Sensational. Ten milligrams. Ten milligrams. And was that the one that you will move to every second day on that one? Yes. That's correct. Perfect. So ten milligrams every second day, Yeah. and that was all from from 2015 onwards kind of thing. Citalopram. Yeah.","start_word":639,"end_word":784,"sentiment":"neutral","sentiment_score":0.0652119689557242},{"text":"I love the name of these medications.","start_word":785,"end_word":791,"sentiment":"positive","sentiment_score":0.4242233037948608},{"text":"So yep. I've got it here. Oh, Sandoz is the the short name for that one. Okay. Beautiful. So that all looks pretty good. Again, no point going through and talking to Neos and doing all the nonsense with them because that takes months Yes. and weeks and documentation. We'll just get the new one in place, the old one canceled, get those premiums Yep. half, and you should be good to go.","start_word":792,"end_word":864,"sentiment":"neutral","sentiment_score":0.04304065927863121},{"text":"Beautiful.","start_word":865,"end_word":865,"sentiment":"positive","sentiment_score":0.3386848568916321},{"text":"Beautiful. Any questions for me before I let you go for your I'm I'm all weekend? good. Amazing. Look, Sean, I do appreciate you giving me a chat straight after the old transport department on a Friday. But, basically, Shit. last That's step terrible. done, all closed off. Yep. You will probably get the insurer will send you, like, the email just to sign off on it all when the amended terms and everything come back, applications, and so on. And, Yep. look, they might may take a bit of time with doctor's reports and so on, but we've given them pretty much everything they could possibly want. Sometimes they just confirm it. Yep. That's fine.","start_word":866,"end_word":981,"sentiment":"neutral","sentiment_score":0.024793336167931557},{"text":"Amazing. Well, thank you so much for your time, mate. Have a fantastic weekend, and I'll get Jack to reach out to you with some updates.","start_word":982,"end_word":1007,"sentiment":"positive","sentiment_score":0.4641299247741699},{"text":"Please tell me.","start_word":1008,"end_word":1010,"sentiment":"neutral","sentiment_score":0.19482629001140592},{"text":"Thank you very much. Cheers, mate.","start_word":1011,"end_word":1016,"sentiment":"positive","sentiment_score":0.3950066566467285},{"text":"See you later. Alright. Bye. Bye.","start_word":1017,"end_word":1022,"sentiment":"neutral","sentiment_score":0.17166355376442274}],"average":{"sentiment":"neutral","sentiment_score":0.035996893400787024}}}}