{"metadata":{"transaction_key":"deprecated","request_id":"019e1b08-65b1-76d1-9d4f-d391398f27b4","sha256":"0791e0f341cb941a19305bf37ba66f108c6cfab5b681263eafee2a6599647068","created":"2026-05-12T07:13:17.945Z","duration":506.87994,"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":1815,"output_tokens":104},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1970,"output_tokens":1974},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1970,"output_tokens":110}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Jordan. This is Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you. Thanks for asking. I just had you booked in for a bit of a quick insurance update there for you. I believe when you completed your insurance application with my colleague Jack there, you'd noted there has been some changes to your circumstances with your income. Is that right? Yeah. Fantastic. Well, I've got you booked in to go search with you. Have a bit of a chat, and we'll update everything for you. Just just before we jump into the call, I do need to let you know moving forward to record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security, we're discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address that I should have on file. Yeah. Yep. Yeah. Beautiful. Thank you so much for that. Really appreciate it. So, Jordan, just sort of running through now your income when my colleague Kyle had completed the advice there with you, you were on, I believe, 85,000 per annum. Just double checking. Yeah. So $82,000 per annum there as a machine operator. My colleague Jack has made mention there that your income has now increased about 102,000. Is that correct? Fantastic. Well, congratulations on the pay rise. Well deserved. No worries at all. Oh, it did it. Look. You won. So that's a positive. All good. Now I have just gone through and had a bit of a look because, obviously, if you're wanting to increase, the main sort of difference would be with regards to your income protection if that's what you're sort of wanting to increase because income protection can cover if up to 70% of your income, if you're off work due to illness or injury, income protection is the first insurance we tend to claim on. So making sure we do have that protection correct and covering the maximum monthly benefit we can does sort of work in our favor there. When I sort of have a look now I believe having a look at the premiums, the original premium noted before any rebates was about $1,876.80 there in the advice document. I believe my team has gone back and just reconfirmed that the loading should not apply to that because the drug use disclosed was just a one off, which was good. When I just have a quick look at the card to see what that might change to, we can certainly expect that the premiums by increasing your income protection benefit to cover 70% of your $102,000 income. It increases the total policy to about $2,481.87 there. So there's a little bit more of an increase. I'm just looking at the difference for you really quick while I've got you here just so I can give you as much information as possible. So that's okay. $1.08 $7.06 and 80¢ and 80. That's not doing anything for me. Let's try that one again and see if it locks me this time around. So 2481. 248187. And then we're going from a premium prior to any rebates there of $1.08 $7.06 and 80¢. It essentially is an increase on the yearly total for the premium of about $605.07, and that increases your monthly benefit up to a about 5,950 in the event of a claim. It still keeps you at a thirty day waiting period and a five year benefit period. With regard to the projections there, it is obviously a little bit more than what you would have been sort of looking at. So the the projection in the advice document provided was with the higher projection, but it essentially was showing a projected yeah. So in ten years, a projected amount of 320,168. That was based on a higher amount because in the advice document Kyle provided, he was also accounting for a 100% loading there. Whereas if we're just increasing this with the rebates in the next sort of five to ten years depending on market conditions, the estimated projections about 338,305 there. So it is still sort of working in your favor. It is giving you that higher level of cover based on your income in the event that you were to claim on income protection. However, these premiums are as what's called steps premiums. It essentially means that they are gonna increase in cost every year as it goes through renewal. So we will, as advisers, make sure we catch up with you, review the level of cover you have, and, hopefully, be able to reduce that in the future to make sure it's not eating away all of your sofa. But does it does that sound okay? Do you have any questions? Are you wanting to go forward with the increase there? Yeah. Beautiful. Excellent. The only other thing I just wanted to clarify as well with you is I can see here Kyle also recommended going forward with some salary sacrifice there of about a $100 per week. Are you still comfortable moving forward with the salary sacrifice even with your increase in income? Are you still wanting to sort of make sure that's part of the advice? Yep. Yep. Yeah. Fantastic. Not a problem at all. The only other thing to sorta catch up on is just with the other recommendations for the covers there, the life and the TBD, was essentially to apply for 850,000 of life and total permanent disability cover. And that was there essentially to look at meeting your goal. So I'm just going to the document here. Just making sure that you in the event that something was to happen to you, that your family wouldn't resolve wouldn't suffer, sorry, as a result of any kind of inability to work or or if you were to pass away, that would sort of cover them. Given your current circumstances, do you feel like the 850 is still appropriate? Did you wanna review that level of cover as well? Or that's okay? Yeah. But it looks to me here like you don't have any home loans at the moment. You haven't recently purchased the property at all? Nope. That's okay. So that would still be completely appropriate there. It looks like it would still cover what you're after, and increasing those amounts would only increase the premiums there as well. The other thing he's got here is your out of pocket insurances. So your trauma and the attached life benefit there for 85,000, that was based on essentially your your income at the time. Are you wanting to look at increasing the trauma policy in line with your income, or do you still feel discovering yourself for 85,000 would be sufficient for the time being? Yes. Yep. That's okay. Not a problem at all. So what I'll do is I will get that advice document as updated with the updated premiums and the updated monthly benefit cost. We'll just get you to I'll send that through to you hopefully tomorrow. If you can just sign and return that back for us, we'll be able to complete the application, and I'll get Jack to send that off for you. The policy will just go through the underwriting process, and then if there's any changes or anything that comes out of that, we'll have another conversation with you. But do you have any questions at all in relation to any of that? No? Beautiful. All good. Well, I was oh, I love it. No. Thank you so much for your time, Jordan. I'll get the advice document updated and reissued to you, and I'll get Jack to complete the application. I appreciate your time. Mhmm. Bye bye. You too. Thank you so much. Talk soon. See you later. 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Jordan. This is Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I just had you booked in for a bit of a quick insurance update there for you. I believe when you completed your insurance application with my colleague Jack there, you'd noted there has been some changes to your circumstances with your income. Is that right? Yeah.\n\nFantastic. Well, I've got you booked in to go search with you. Have a bit of a chat, and we'll update everything for you. Just just before we jump into the call, I do need to let you know moving forward to record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do security, we're discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address that I should have on file. Yeah. Yep.\n\nYeah. Beautiful. Thank you so much for that. Really appreciate it. So, Jordan, just sort of running through now your income when my colleague Kyle had completed the advice there with you, you were on, I believe, 85,000 per annum.\n\nJust double checking. Yeah. So $82,000 per annum there as a machine operator. My colleague Jack has made mention there that your income has now increased about 102,000. Is that correct?\n\nFantastic. Well, congratulations on the pay rise. Well deserved. No worries at all. Oh, it did it.\n\nLook. You won. So that's a positive. All good. Now I have just gone through and had a bit of a look because, obviously, if you're wanting to increase, the main sort of difference would be with regards to your income protection if that's what you're sort of wanting to increase because income protection can cover if up to 70% of your income, if you're off work due to illness or injury, income protection is the first insurance we tend to claim on.\n\nSo making sure we do have that protection correct and covering the maximum monthly benefit we can does sort of work in our favor there. When I sort of have a look now I believe having a look at the premiums, the original premium noted before any rebates was about $1,876.80 there in the advice document. I believe my team has gone back and just reconfirmed that the loading should not apply to that because the drug use disclosed was just a one off, which was good. When I just have a quick look at the card to see what that might change to, we can certainly expect that the premiums by increasing your income protection benefit to cover 70% of your $102,000 income. It increases the total policy to about $2,481.87 there.\n\nSo there's a little bit more of an increase. I'm just looking at the difference for you really quick while I've got you here just so I can give you as much information as possible. So that's okay. $1.08 $7.06 and 80¢ and 80. That's not doing anything for me.\n\nLet's try that one again and see if it locks me this time around. So 2481. 248187. And then we're going from a premium prior to any rebates there of $1.08 $7.06 and 80¢. It essentially is an increase on the yearly total for the premium of about $605.07, and that increases your monthly benefit up to a about 5,950 in the event of a claim.\n\nIt still keeps you at a thirty day waiting period and a five year benefit period. With regard to the projections there, it is obviously a little bit more than what you would have been sort of looking at. So the the projection in the advice document provided was with the higher projection, but it essentially was showing a projected yeah. So in ten years, a projected amount of 320,168. That was based on a higher amount because in the advice document Kyle provided, he was also accounting for a 100% loading there.\n\nWhereas if we're just increasing this with the rebates in the next sort of five to ten years depending on market conditions, the estimated projections about 338,305 there. So it is still sort of working in your favor. It is giving you that higher level of cover based on your income in the event that you were to claim on income protection. However, these premiums are as what's called steps premiums. It essentially means that they are gonna increase in cost every year as it goes through renewal.\n\nSo we will, as advisers, make sure we catch up with you, review the level of cover you have, and, hopefully, be able to reduce that in the future to make sure it's not eating away all of your sofa. But does it does that sound okay? Do you have any questions? Are you wanting to go forward with the increase there? Yeah.\n\nBeautiful. Excellent. The only other thing I just wanted to clarify as well with you is I can see here Kyle also recommended going forward with some salary sacrifice there of about a $100 per week. Are you still comfortable moving forward with the salary sacrifice even with your increase in income? Are you still wanting to sort of make sure that's part of the advice?\n\nYep. Yep. Yeah. Fantastic. Not a problem at all.\n\nThe only other thing to sorta catch up on is just with the other recommendations for the covers there, the life and the TBD, was essentially to apply for 850,000 of life and total permanent disability cover. And that was there essentially to look at meeting your goal. So I'm just going to the document here. Just making sure that you in the event that something was to happen to you, that your family wouldn't resolve wouldn't suffer, sorry, as a result of any kind of inability to work or or if you were to pass away, that would sort of cover them. Given your current circumstances, do you feel like the 850 is still appropriate?\n\nDid you wanna review that level of cover as well? Or that's okay? Yeah. But it looks to me here like you don't have any home loans at the moment. You haven't recently purchased the property at all?\n\nNope. That's okay. So that would still be completely appropriate there. It looks like it would still cover what you're after, and increasing those amounts would only increase the premiums there as well. The other thing he's got here is your out of pocket insurances.\n\nSo your trauma and the attached life benefit there for 85,000, that was based on essentially your your income at the time. Are you wanting to look at increasing the trauma policy in line with your income, or do you still feel discovering yourself for 85,000 would be sufficient for the time being? Yes. Yep. That's okay.\n\nNot a problem at all. So what I'll do is I will get that advice document as updated with the updated premiums and the updated monthly benefit cost. We'll just get you to I'll send that through to you hopefully tomorrow. If you can just sign and return that back for us, we'll be able to complete the application, and I'll get Jack to send that off for you. The policy will just go through the underwriting process, and then if there's any changes or anything that comes out of that, we'll have another conversation with you.\n\nBut do you have any questions at all in relation to any of that? No? Beautiful. All good. Well, I was oh, I love it.\n\nNo. Thank you so much for your time, Jordan. I'll get the advice document updated and reissued to you, and I'll get Jack to complete the application. I appreciate your time. Mhmm.\n\nBye bye. You too. Thank you so much. Talk soon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Jordan.","start":2.0,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.1043677031993866},{"text":"This is Dana from Oakey Financial.","start":2.8799999,"end":4.48,"sentiment":"neutral","sentiment_score":0.14747528483470282},{"text":"How are you this afternoon?","start":4.48,"end":5.7,"sentiment":"neutral","sentiment_score":0.22725971639156342},{"text":"I'm very well.","start":7.68,"end":8.559999,"sentiment":"positive","sentiment_score":0.5507819453875223},{"text":"Thank you.","start":8.559999,"end":8.88,"sentiment":"positive","sentiment_score":0.5965962111949921}],"sentiment":"neutral","sentiment_score":0.28196799755096436,"num_words":18,"start":2.0,"end":8.88},{"sentences":[{"text":"Thanks for asking.","start":8.88,"end":9.86,"sentiment":"positive","sentiment_score":0.5308020114898682},{"text":"I just had you booked in for a bit of a quick insurance update there for you.","start":10.08,"end":13.695,"sentiment":"neutral","sentiment_score":0.12681974382961497},{"text":"I believe when you completed your insurance application with my colleague Jack there, you'd noted there has been some changes to your circumstances with your income.","start":13.934999,"end":21.855,"sentiment":"neutral","sentiment_score":0.024714377923653677},{"text":"Is that right?","start":21.855,"end":22.755,"sentiment":"neutral","sentiment_score":0.02551567554473877},{"text":"Yeah.","start":25.055,"end":25.555,"sentiment":"neutral","sentiment_score":0.1692361831665039}],"sentiment":"neutral","sentiment_score":0.0927339743077755,"num_words":50,"start":8.88,"end":25.555},{"sentences":[{"text":"Fantastic.","start":25.615,"end":26.115,"sentiment":"positive","sentiment_score":0.45280903577804565},{"text":"Well, I've got you booked in to go search with you.","start":26.255,"end":28.05,"sentiment":"neutral","sentiment_score":0.24174779924479398},{"text":"Have a bit of a chat, and we'll update everything for you.","start":28.05,"end":30.71,"sentiment":"neutral","sentiment_score":0.23422188932696977},{"text":"Just just before we jump into the call, I do need to let you know moving forward to record our calls for quality and training purposes.","start":31.73,"end":37.33,"sentiment":"neutral","sentiment_score":0.09300843654916836},{"text":"Are you happy for me to proceed with that?","start":37.33,"end":39.43,"sentiment":"neutral","sentiment_score":0.12876791755358377}],"sentiment":"neutral","sentiment_score":0.1610140357229669,"num_words":59,"start":25.615,"end":39.43},{"sentences":[{"text":"Fantastic.","start":41.184998,"end":41.684998,"sentiment":"positive","sentiment_score":0.49096253514289856},{"text":"And just to do security, we're discussing your personal information.","start":41.905,"end":44.805,"sentiment":"neutral","sentiment_score":0.1565423421561718},{"text":"I'll just get you to confirm your full name, your date of birth, and address that I should have on file.","start":45.024998,"end":49.204998,"sentiment":"neutral","sentiment_score":0.11150016954966954},{"text":"Yeah.","start":53.359997,"end":53.859997,"sentiment":"neutral","sentiment_score":0.03592031076550484},{"text":"Yep.","start":56.32,"end":56.82,"sentiment":"neutral","sentiment_score":0.036246538162231445}],"sentiment":"neutral","sentiment_score":0.13147224606398275,"num_words":34,"start":41.184998,"end":56.82},{"sentences":[{"text":"Yeah.","start":59.6,"end":60.1,"sentiment":"neutral","sentiment_score":0.046842239797115326},{"text":"Beautiful.","start":60.879997,"end":61.36,"sentiment":"positive","sentiment_score":0.4270521104335785},{"text":"Thank you so much for that.","start":61.36,"end":62.399998,"sentiment":"positive","sentiment_score":0.5910127262274424},{"text":"Really appreciate it.","start":62.399998,"end":63.615,"sentiment":"positive","sentiment_score":0.5677712758382162},{"text":"So, Jordan, just sort of running through now your income when my colleague Kyle had completed the advice there with you, you were on, I believe, 85,000 per annum.","start":63.855003,"end":73.795,"sentiment":"neutral","sentiment_score":0.027090913680349958}],"sentiment":"neutral","sentiment_score":0.16272302579600365,"num_words":40,"start":59.6,"end":73.795},{"sentences":[{"text":"Just double checking.","start":75.135,"end":76.175,"sentiment":"neutral","sentiment_score":0.028570694848895073},{"text":"Yeah.","start":76.175,"end":76.495,"sentiment":"neutral","sentiment_score":0.03346528857946396},{"text":"So $82,000 per annum there as a machine operator.","start":76.495,"end":80.05,"sentiment":"neutral","sentiment_score":0.041048414177364774},{"text":"My colleague Jack has made mention there that your income has now increased about 102,000.","start":80.43,"end":86.35,"sentiment":"neutral","sentiment_score":0.05715787882606189},{"text":"Is that correct?","start":86.35,"end":87.25,"sentiment":"neutral","sentiment_score":0.05938562626640002}],"sentiment":"neutral","sentiment_score":0.04916574715846969,"num_words":31,"start":75.135,"end":87.25},{"sentences":[{"text":"Fantastic.","start":88.99,"end":89.49,"sentiment":"positive","sentiment_score":0.476162850856781},{"text":"Well, congratulations on the pay rise.","start":89.630005,"end":91.39,"sentiment":"positive","sentiment_score":0.4970856159925461},{"text":"Well deserved.","start":91.39,"end":92.130005,"sentiment":"positive","sentiment_score":0.39460065960884094},{"text":"No worries at all.","start":95.075005,"end":96.295,"sentiment":"neutral","sentiment_score":0.025619325693696737},{"text":"Oh, it did it.","start":97.955,"end":99.075005,"sentiment":"neutral","sentiment_score":0.09289771690964699}],"sentiment":"neutral","sentiment_score":0.27776153155547734,"num_words":17,"start":88.99,"end":99.075005},{"sentences":[{"text":"Look.","start":99.075005,"end":99.395004,"sentiment":"neutral","sentiment_score":0.1906505525112152},{"text":"You won.","start":99.395004,"end":100.035,"sentiment":"neutral","sentiment_score":0.2628287225961685},{"text":"So that's a positive.","start":100.035,"end":101.015,"sentiment":"positive","sentiment_score":0.3593086898326874},{"text":"All good.","start":103.555,"end":104.375,"sentiment":"neutral","sentiment_score":0.21246912330389023},{"text":"Now I have just gone through and had a bit of a look because, obviously, if you're wanting to increase, the main sort of difference would be with regards to your income protection if that's what you're sort of wanting to increase because income protection can cover if up to 70% of your income, if you're off work due to illness or injury, income protection is the first insurance we tend to claim on.","start":104.93,"end":123.235,"sentiment":"neutral","sentiment_score":0.05219929421169532}],"sentiment":"neutral","sentiment_score":0.07760516596756067,"num_words":83,"start":99.075005,"end":123.235},{"sentences":[{"text":"So making sure we do have that protection correct and covering the maximum monthly benefit we can does sort of work in our favor there.","start":123.534996,"end":131.315,"sentiment":"neutral","sentiment_score":0.1864996474981308},{"text":"When I sort of have a look now I believe having a look at the premiums, the original premium noted before any rebates was about $1,876.80 there in the advice document.","start":131.535,"end":144.84,"sentiment":"neutral","sentiment_score":0.02662687228932496},{"text":"I believe my team has gone back and just reconfirmed that the loading should not apply to that because the drug use disclosed was just a one off, which was good.","start":145.46,"end":153.68501,"sentiment":"neutral","sentiment_score":0.09850223134121587},{"text":"When I just have a quick look at the card to see what that might change to, we can certainly expect that the premiums by increasing your income protection benefit to cover 70% of your $102,000 income.","start":154.54501,"end":167.87,"sentiment":"neutral","sentiment_score":0.1415934876815693},{"text":"It increases the total policy to about $2,481.87 there.","start":168.49,"end":175.45,"sentiment":"neutral","sentiment_score":0.11627949443128374}],"sentiment":"neutral","sentiment_score":0.11148096160977182,"num_words":133,"start":123.534996,"end":175.45},{"sentences":[{"text":"So there's a little bit more of an increase.","start":175.45,"end":177.53,"sentiment":"neutral","sentiment_score":0.04833641917341285},{"text":"I'm just looking at the difference for you really quick while I've got you here just so I can give you as much information as possible.","start":177.53,"end":183.335,"sentiment":"neutral","sentiment_score":0.10067500116733405},{"text":"So that's okay.","start":184.995,"end":186.215,"sentiment":"neutral","sentiment_score":0.10323261966307958},{"text":"$1.08 $7.06 and 80¢ and 80.","start":187.395,"end":193.71,"sentiment":"neutral","sentiment_score":-0.006067442893981933},{"text":"That's not doing anything for me.","start":194.97,"end":197.07,"sentiment":"negative","sentiment_score":-0.33442430198192596}],"sentiment":"neutral","sentiment_score":0.027048829296717838,"num_words":50,"start":175.45,"end":197.07},{"sentences":[{"text":"Let's try that one again and see if it locks me this time around.","start":200.41,"end":204.11,"sentiment":"neutral","sentiment_score":-0.06096312776207924},{"text":"So 2481.","start":205.05,"end":207.47,"sentiment":"neutral","sentiment_score":-0.003577184244932141},{"text":"248187.","start":212.25499,"end":217.315,"sentiment":"neutral","sentiment_score":0.0041824690997600555},{"text":"And then we're going from a premium prior to any rebates there of $1.08 $7.06 and 80¢.","start":218.575,"end":226.85,"sentiment":"neutral","sentiment_score":0.01807184878271073},{"text":"It essentially is an increase on the yearly total for the premium of about $605.07, and that increases your monthly benefit up to a about 5,950 in the event of a claim.","start":227.23001,"end":242.665,"sentiment":"neutral","sentiment_score":0.12099593644961715}],"sentiment":"neutral","sentiment_score":0.05083944398233703,"num_words":66,"start":200.41,"end":242.665},{"sentences":[{"text":"It still keeps you at a thirty day waiting period and a five year benefit period.","start":243.045,"end":247.385,"sentiment":"neutral","sentiment_score":0.12806010525673628},{"text":"With regard to the projections there, it is obviously a little bit more than what you would have been sort of looking at.","start":248.805,"end":255.79001,"sentiment":"neutral","sentiment_score":-0.0006217894994694253},{"text":"So the the projection in the advice document provided was with the higher projection, but it essentially was showing a projected yeah.","start":255.79001,"end":267.705,"sentiment":"neutral","sentiment_score":0.0055937709879468785},{"text":"So in ten years, a projected amount of 320,168.","start":267.705,"end":273.705,"sentiment":"neutral","sentiment_score":0.011562307882640097},{"text":"That was based on a higher amount because in the advice document Kyle provided, he was also accounting for a 100% loading there.","start":273.705,"end":280.925,"sentiment":"neutral","sentiment_score":0.03438065225339454}],"sentiment":"neutral","sentiment_score":0.032823002797060755,"num_words":93,"start":243.045,"end":280.925},{"sentences":[{"text":"Whereas if we're just increasing this with the rebates in the next sort of five to ten years depending on market conditions, the estimated projections about 338,305 there.","start":281.99002,"end":294.23,"sentiment":"neutral","sentiment_score":0.05276307237467596},{"text":"So it is still sort of working in your favor.","start":294.23,"end":297.375,"sentiment":"neutral","sentiment_score":0.25183478444814683},{"text":"It is giving you that higher level of cover based on your income in the event that you were to claim on income protection.","start":297.375,"end":303.155,"sentiment":"neutral","sentiment_score":0.1555438848833243},{"text":"However, these premiums are as what's called steps premiums.","start":304.09497,"end":307.955,"sentiment":"neutral","sentiment_score":-0.02556677281649576},{"text":"It essentially means that they are gonna increase in cost every year as it goes through renewal.","start":308.54,"end":313.36002,"sentiment":"neutral","sentiment_score":-0.06085886926773716}],"sentiment":"neutral","sentiment_score":0.07345528835536573,"num_words":88,"start":281.99002,"end":313.36002},{"sentences":[{"text":"So we will, as advisers, make sure we catch up with you, review the level of cover you have, and, hopefully, be able to reduce that in the future to make sure it's not eating away all of your sofa.","start":313.42,"end":323.2,"sentiment":"neutral","sentiment_score":-0.035807549767196176},{"text":"But does it does that sound okay?","start":323.875,"end":325.475,"sentiment":"neutral","sentiment_score":0.03416354102747781},{"text":"Do you have any questions?","start":325.475,"end":326.515,"sentiment":"neutral","sentiment_score":0.0027382105588912966},{"text":"Are you wanting to go forward with the increase there?","start":326.515,"end":329.255,"sentiment":"neutral","sentiment_score":-0.014193344675004483},{"text":"Yeah.","start":331.475,"end":331.95502,"sentiment":"positive","sentiment_score":0.3560294806957245}],"sentiment":"neutral","sentiment_score":-0.015323335186593116,"num_words":63,"start":313.42,"end":331.95502},{"sentences":[{"text":"Beautiful.","start":331.95502,"end":332.45502,"sentiment":"positive","sentiment_score":0.6647423505783081},{"text":"Excellent.","start":332.515,"end":333.015,"sentiment":"positive","sentiment_score":0.6559919118881226},{"text":"The only other thing I just wanted to clarify as well with you is I can see here Kyle also recommended going forward with some salary sacrifice there of about a $100 per week.","start":333.555,"end":344.12003,"sentiment":"neutral","sentiment_score":0.07517411455731182},{"text":"Are you still comfortable moving forward with the salary sacrifice even with your increase in income?","start":344.42,"end":350.58002,"sentiment":"neutral","sentiment_score":-0.0034956741146743306},{"text":"Are you still wanting to sort of make sure that's part of the advice?","start":350.58002,"end":353.625,"sentiment":"neutral","sentiment_score":0.013697362371853419}],"sentiment":"neutral","sentiment_score":0.060795249163427136,"num_words":66,"start":331.95502,"end":353.625},{"sentences":[{"text":"Yep.","start":358.005,"end":358.505,"sentiment":"neutral","sentiment_score":0.1433843970298767},{"text":"Yep.","start":359.125,"end":359.625,"sentiment":"neutral","sentiment_score":0.09369932115077972},{"text":"Yeah.","start":360.085,"end":360.48502,"sentiment":"neutral","sentiment_score":0.31091588735580444},{"text":"Fantastic.","start":360.48502,"end":360.98502,"sentiment":"positive","sentiment_score":0.5778952240943909},{"text":"Not a problem at all.","start":361.445,"end":362.745,"sentiment":"positive","sentiment_score":0.3904230535030365}],"sentiment":"positive","sentiment_score":0.3420011219051149,"num_words":9,"start":358.005,"end":362.745},{"sentences":[{"text":"The only other thing to sorta catch up on is just with the other recommendations for the covers there, the life and the TBD, was essentially to apply for 850,000 of life and total permanent disability cover.","start":363.045,"end":377.69,"sentiment":"neutral","sentiment_score":0.08010527562047984},{"text":"And that was there essentially to look at meeting your goal.","start":378.22998,"end":380.87,"sentiment":"neutral","sentiment_score":0.1548469290137291},{"text":"So I'm just going to the document here.","start":380.87,"end":382.81,"sentiment":"neutral","sentiment_score":0.05530026491032913},{"text":"Just making sure that you in the event that something was to happen to you, that your family wouldn't resolve wouldn't suffer, sorry, as a result of any kind of inability to work or or if you were to pass away, that would sort of cover them.","start":383.325,"end":397.905,"sentiment":"neutral","sentiment_score":-0.02665492161078022},{"text":"Given your current circumstances, do you feel like the 850 is still appropriate?","start":398.46002,"end":402.96002,"sentiment":"neutral","sentiment_score":0.03374753806453485}],"sentiment":"neutral","sentiment_score":0.03703060530623871,"num_words":116,"start":363.045,"end":402.96002},{"sentences":[{"text":"Did you wanna review that level of cover as well?","start":403.02002,"end":405.5,"sentiment":"neutral","sentiment_score":0.000430179201066494},{"text":"Or that's okay?","start":405.5,"end":409.18002,"sentiment":"neutral","sentiment_score":0.019513598332802456},{"text":"Yeah.","start":409.18002,"end":409.5,"sentiment":"neutral","sentiment_score":0.009208246134221554},{"text":"But it looks to me here like you don't have any home loans at the moment.","start":409.5,"end":413.325,"sentiment":"neutral","sentiment_score":-0.054551171022467315},{"text":"You haven't recently purchased the property at all?","start":413.325,"end":416.625,"sentiment":"neutral","sentiment_score":-0.05439870082773268}],"sentiment":"neutral","sentiment_score":-0.03252519762731696,"num_words":38,"start":403.02002,"end":416.625},{"sentences":[{"text":"Nope.","start":417.405,"end":417.725,"sentiment":"neutral","sentiment_score":-0.08514788746833801},{"text":"That's okay.","start":417.725,"end":418.445,"sentiment":"neutral","sentiment_score":0.013991029001772404},{"text":"So that would still be completely appropriate there.","start":418.445,"end":420.765,"sentiment":"neutral","sentiment_score":0.11494377162307501},{"text":"It looks like it would still cover what you're after, and increasing those amounts would only increase the premiums there as well.","start":420.765,"end":427.42502,"sentiment":"neutral","sentiment_score":0.03749925753271038},{"text":"The other thing he's got here is your out of pocket insurances.","start":428.03,"end":431.17,"sentiment":"neutral","sentiment_score":0.000729669351130724}],"sentiment":"neutral","sentiment_score":0.037691645365622306,"num_words":45,"start":417.405,"end":431.17},{"sentences":[{"text":"So your trauma and the attached life benefit there for 85,000, that was based on essentially your your income at the time.","start":431.31,"end":440.665,"sentiment":"neutral","sentiment_score":0.012993175875056873},{"text":"Are you wanting to look at increasing the trauma policy in line with your income, or do you still feel discovering yourself for 85,000 would be sufficient for the time being?","start":440.665,"end":450.20502,"sentiment":"neutral","sentiment_score":0.022366807165165103},{"text":"Yes.","start":453.63998,"end":453.87997,"sentiment":"neutral","sentiment_score":0.09871631860733032},{"text":"Yep.","start":453.87997,"end":454.19998,"sentiment":"neutral","sentiment_score":0.1218426674604416},{"text":"That's okay.","start":454.19998,"end":454.75998,"sentiment":"neutral","sentiment_score":0.1812063828110695}],"sentiment":"neutral","sentiment_score":0.027406888474759302,"num_words":57,"start":431.31,"end":454.75998},{"sentences":[{"text":"Not a problem at all.","start":454.75998,"end":455.72,"sentiment":"neutral","sentiment_score":0.21907510757446289},{"text":"So what I'll do is I will get that advice document as updated with the updated premiums and the updated monthly benefit cost.","start":455.72,"end":463.5,"sentiment":"neutral","sentiment_score":0.15706985800162607},{"text":"We'll just get you to I'll send that through to you hopefully tomorrow.","start":463.56,"end":466.46,"sentiment":"neutral","sentiment_score":0.18351208590544188},{"text":"If you can just sign and return that back for us, we'll be able to complete the application, and I'll get Jack to send that off for you.","start":466.715,"end":473.215,"sentiment":"neutral","sentiment_score":0.15776653747473443},{"text":"The policy will just go through the underwriting process, and then if there's any changes or anything that comes out of that, we'll have another conversation with you.","start":473.515,"end":480.93,"sentiment":"neutral","sentiment_score":0.1830897754324334}],"sentiment":"neutral","sentiment_score":0.17152181598021812,"num_words":97,"start":454.75998,"end":480.93},{"sentences":[{"text":"But do you have any questions at all in relation to any of that?","start":481.00998,"end":484.07,"sentiment":"neutral","sentiment_score":0.054304958188108036},{"text":"No?","start":486.05,"end":486.55,"sentiment":"neutral","sentiment_score":0.004157986491918564},{"text":"Beautiful.","start":486.69,"end":487.19,"sentiment":"neutral","sentiment_score":0.28757116198539734},{"text":"All good.","start":487.97,"end":488.44998,"sentiment":"neutral","sentiment_score":0.2799091637134552},{"text":"Well, I was oh, I love it.","start":488.44998,"end":490.77,"sentiment":"positive","sentiment_score":0.41768210913453785}],"sentiment":"neutral","sentiment_score":0.18142366617918015,"num_words":25,"start":481.00998,"end":490.77},{"sentences":[{"text":"No.","start":490.77,"end":491.00998,"sentiment":"neutral","sentiment_score":0.21408331394195557},{"text":"Thank you so much for your time, Jordan.","start":491.00998,"end":492.93,"sentiment":"positive","sentiment_score":0.4355027973651886},{"text":"I'll get the advice document updated and reissued to you, and I'll get Jack to complete the application.","start":492.93,"end":497.815,"sentiment":"neutral","sentiment_score":0.31795263373189503},{"text":"I appreciate your time.","start":497.955,"end":499.335,"sentiment":"positive","sentiment_score":0.724649965763092},{"text":"Mhmm.","start":501.235,"end":501.395,"sentiment":"positive","sentiment_score":0.5928465127944946}],"sentiment":"positive","sentiment_score":0.4035218586213887,"num_words":32,"start":490.77,"end":501.395},{"sentences":[{"text":"Bye bye.","start":501.395,"end":502.035,"sentiment":"positive","sentiment_score":0.3380873501300812},{"text":"You too.","start":502.035,"end":502.51498,"sentiment":"positive","sentiment_score":0.3919723331928253},{"text":"Thank you so much.","start":502.51498,"end":503.475,"sentiment":"positive","sentiment_score":0.711976632475853},{"text":"Talk soon.","start":503.475,"end":504.29498,"sentiment":"positive","sentiment_score":0.3698854446411133},{"text":"See you 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I'm good. Thanks. How are you doing? Yep. Yeah. Yeah. No. That that is correct. Okay. Cool. Yep. That's no problem. Sure. My full name is Jordan Lee Robinson. My date of birth is the 10/16/1995, And my address is 527 Brushwood Crescent, and that's in Cedar Grove. Yep. Yeah. That's correct. Well, thank you very much. I appreciate it. It took a bit of a fight with the management, but got there in the end. Yeah. Definitely. Not awesome. Awesome. Thank you. Okay. Okay. Yep. Yep. Yep. Yeah. That's that's no problem. Yeah. That's no problem. And I have actually handed that form to payroll. Yeah. Yep. No. That that's okay. Yeah. No. Okay. Yeah. It'll be sufficient for the time being. Okeydokey. Okay. Awesome. No. No question. I'm pretty simple. Awesome. Thank you so much. I hope you have a great night. See you later. 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I'm good. Thanks. How are you doing? Yep.\n\nYeah. Yeah. No. That that is correct. Okay.\n\nCool. Yep. That's no problem. Sure. My full name is Jordan Lee Robinson.\n\nMy date of birth is the 10/16/1995, And my address is 527 Brushwood Crescent, and that's in Cedar Grove. Yep. Yeah. That's correct. Well, thank you very much.\n\nI appreciate it. It took a bit of a fight with the management, but got there in the end. Yeah. Definitely. Not awesome.\n\nAwesome. Thank you. Okay. Okay. Yep.\n\nYep. Yep. Yeah. That's that's no problem. Yeah.\n\nThat's no problem. And I have actually handed that form to payroll. Yeah. Yep. No.\n\nThat that's okay. Yeah. No. Okay. Yeah.\n\nIt'll be sufficient for the time being. Okeydokey. Okay. Awesome. No.\n\nNo question. I'm pretty simple. Awesome. Thank you so much. I hope you have a great night.\n\nSee you later. 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Jordan. This is Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: I'm good. Thanks. How are you doing?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I just had you booked in for a bit of a quick insurance update there for you. I\n\nChannel 1: Yep.\n\nChannel 0: believe when you completed your insurance application with my colleague Jack there, you'd noted there has been some changes to your circumstances with your income. Is that right?\n\nChannel 1: Yeah. Yeah. No. That that is correct.\n\nChannel 0: Yeah. Fantastic. Well, I've got you booked in to go search with you. Have a bit of a chat, and we'll update everything for you.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Just just before we jump into the call, I do need to let you know moving forward to record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. That's no problem.\n\nChannel 0: Fantastic. And just to do security, we're discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address that I should have on file.\n\nChannel 1: Sure. My full name is Jordan Lee Robinson. My date of birth is\n\nChannel 0: Yeah.\n\nChannel 1: the 10/16/1995, And\n\nChannel 0: Yep.\n\nChannel 1: my address is 527 Brushwood Crescent, and that's in\n\nChannel 0: Yeah.\n\nChannel 1: Cedar Grove.\n\nChannel 0: Beautiful. Thank you so much for that. Really appreciate it. So, Jordan, just sort of running through now your income when my colleague Kyle had completed the advice there with you, you were on, I believe, 85,000 per annum.\n\nChannel 1: Yep.\n\nChannel 0: Just double checking. Yeah. So $82,000 per annum there as a machine operator. My colleague Jack has made mention there that your income has now increased about 102,000. Is that correct?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Fantastic. Well, congratulations on the pay rise. Well deserved.\n\nChannel 1: Well, thank you very much. I appreciate it.\n\nChannel 0: No worries\n\nChannel 1: It\n\nChannel 0: at\n\nChannel 1: took\n\nChannel 0: all.\n\nChannel 1: a bit of a fight with the management, but got there\n\nChannel 0: Oh,\n\nChannel 1: in the\n\nChannel 0: it\n\nChannel 1: end.\n\nChannel 0: did it. Look. You won. So that's a positive.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: All good. Now I have just gone through and had a bit of a look because, obviously, if you're wanting to increase, the main sort of difference would be with regards to your income protection if that's what you're sort of wanting to increase because income protection can cover if up to 70% of your income, if you're off work due to illness or injury, income protection is the first insurance we tend to claim on. So making sure we do have that protection correct and covering the maximum monthly benefit we can does sort of work in our favor there. When\n\nChannel 1: Not\n\nChannel 0: I sort\n\nChannel 1: awesome.\n\nChannel 0: of have a look now I believe having a look at the premiums, the original premium noted before any rebates was about $1,876.80 there in the advice document. I believe my team has gone back and just reconfirmed that the loading should not apply to that because the drug use disclosed was just a one off, which was good. When I just have a quick look at the card to see what that might change to, we can certainly expect that the premiums by increasing your income protection benefit to cover 70% of your $102,000 income. It increases the total policy to about $2,481.87 there. So there's a little bit more of an increase.\n\nI'm just looking at the difference for you really quick while I've got you here just so I can give you as much information as possible.\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: So that's okay. $1.08 $7.06 and 80¢ and 80. That's not doing anything for me. Let's try that one again and see if it locks me this time around. So 2481.\n\n248187. And then we're going from a premium prior to any rebates there of $1.08 $7.06 and 80¢. It essentially is an increase on the yearly total for the premium of about $605.07,\n\nChannel 1: Okay.\n\nChannel 0: and that increases your monthly benefit up to a about 5,950 in the event of a claim. It\n\nChannel 1: Okay.\n\nChannel 0: still keeps you at a thirty day waiting period and a five year benefit period. With regard to the projections there, it is obviously a little bit more than what you would have been sort of looking at. So the the projection in the advice document provided was with the higher projection, but it essentially was showing a projected yeah. So in ten years, a projected amount of 320,168. That was based on a higher amount because in the advice document Kyle provided, he was also accounting for a 100% loading there.\n\nChannel 1: Yep.\n\nChannel 0: Whereas if we're just increasing this with the rebates in the next sort of five to ten years depending on market conditions, the estimated projections about 338,305 there. So it is still sort of working in your favor. It is giving you that\n\nChannel 1: Yep.\n\nChannel 0: higher level of cover based on your income in the event that you were to claim on income protection. However, these premiums are as what's called steps premiums. It essentially means that they are gonna increase in cost every year as it goes through renewal. So we will, as advisers, make sure we catch up with you, review the level of cover you have,\n\nChannel 1: Yep.\n\nChannel 0: and, hopefully, be able to reduce that in the future to make sure it's not eating away all of your sofa. But does it does that sound okay? Do you have any questions? Are you wanting to go forward with the increase there?\n\nChannel 1: Yeah. That's that's no problem.\n\nChannel 0: Yeah. Beautiful. Excellent. The only other thing I just wanted to clarify as well with you is I can see here Kyle also recommended going forward with some salary sacrifice there of about a $100 per week. Are you still comfortable moving forward with the salary sacrifice even with your increase in income?\n\nAre you still wanting to sort of make sure that's part of the advice?\n\nChannel 1: Yeah. That's no problem. And I have actually handed that form to\n\nChannel 0: Yep.\n\nChannel 1: payroll.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Fantastic. Not a problem at all. The only other thing to sorta catch up on is just with the other recommendations for the covers there, the life and the TBD, was essentially to apply for 850,000 of life and total permanent disability cover. And that\n\nChannel 1: Yep.\n\nChannel 0: was there essentially to look at meeting your goal. So I'm just going to the document here. Just making sure that you in the event that something was to happen to you, that your family wouldn't resolve wouldn't suffer, sorry, as a result of any kind of inability to work or or if you were to pass away, that would sort of cover them. Given your current circumstances, do you feel like the 850 is still appropriate? Did you wanna review that level of cover as well?\n\nOr\n\nChannel 1: No. That that's okay.\n\nChannel 0: that's okay? Yeah. But it\n\nChannel 1: Yeah.\n\nChannel 0: looks to me here like you don't have any home loans at the moment. You haven't recently purchased the property at all?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. So that would still be completely appropriate there. It looks like it would still cover what you're after, and increasing those amounts would only increase the premiums there as well.\n\nChannel 1: Okay.\n\nChannel 0: The other thing he's got here is your out of pocket insurances. So your trauma and the attached life benefit there for 85,000, that was based on essentially your your income at the time. Are you wanting to look at increasing the trauma policy in line with your income, or do you still feel discovering yourself for 85,000 would be sufficient for the time being?\n\nChannel 1: Yeah. It'll be sufficient for the time being.\n\nChannel 0: Yes. Yep. That's okay. Not a problem at all. So what I'll do is I will get that advice document as updated with the updated premiums and the updated\n\nChannel 1: Okeydokey.\n\nChannel 0: monthly benefit cost. We'll just get you to I'll send that through to you hopefully tomorrow. If you can just sign and return that back for us, we'll be able to complete the application, and I'll get Jack to send that off for you. The\n\nChannel 1: Okay.\n\nChannel 0: policy\n\nChannel 1: Awesome.\n\nChannel 0: will just go through the underwriting process, and then if there's any changes or anything that comes out of that, we'll have another conversation with you. But do you have any questions at all in relation to any of that?\n\nChannel 1: No. No question.\n\nChannel 0: No? Beautiful. All good.\n\nChannel 1: I'm pretty\n\nChannel 0: Well, I\n\nChannel 1: simple.\n\nChannel 0: was oh, I love it. No. Thank you so much for your time, Jordan. I'll get the advice document updated and reissued to you, and I'll get Jack to complete the application. I appreciate your time.\n\nChannel 1: Awesome. Thank you so much. I hope you have a great\n\nChannel 0: Mhmm.\n\nChannel 1: night.\n\nChannel 0: Bye bye. You too. Thank you so much. Talk soon. See\n\nChannel 1: See\n\nChannel 0: you\n\nChannel 1: you\n\nChannel 0: later.\n\nChannel 1: later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.02882818877696991}],"sentiment":"neutral","sentiment_score":0.02882818877696991,"channel":1,"num_words":1,"start":0.79999995,"end":1.3},{"sentences":[{"text":"Hi, Jordan.","start":2.0,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.1043677031993866},{"text":"This is Dana from Oakey Financial.","start":2.8799999,"end":4.48,"sentiment":"neutral","sentiment_score":0.14747528483470282},{"text":"How are you this afternoon?","start":4.48,"end":5.7,"sentiment":"neutral","sentiment_score":0.22725971639156342}],"sentiment":"neutral","sentiment_score":0.17152966902806208,"channel":0,"num_words":13,"start":2.0,"end":5.7},{"sentences":[{"text":"I'm 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you.","start":10.08,"end":13.695,"sentiment":"neutral","sentiment_score":0.12681974382961497},{"text":"I","start":13.934999,"end":14.094999,"sentiment":"neutral","sentiment_score":0.04909723252058029}],"sentiment":"neutral","sentiment_score":0.2554991219479304,"channel":0,"num_words":26,"start":7.68,"end":14.094999},{"sentences":[{"text":"Yep.","start":14.08,"end":14.58,"sentiment":"neutral","sentiment_score":0.04498046264052391}],"sentiment":"neutral","sentiment_score":0.04498046264052391,"channel":1,"num_words":1,"start":14.08,"end":14.58},{"sentences":[{"text":"believe when you completed your insurance application with my colleague Jack there, you'd noted there has been some changes to your circumstances with your income.","start":14.094999,"end":21.855,"sentiment":"neutral","sentiment_score":0.023739063739776613},{"text":"Is that 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good.","start":145.46,"end":153.68501,"sentiment":"neutral","sentiment_score":0.09850223134121587},{"text":"When I just have a quick look at the card to see what that might change to, we can certainly expect that the premiums by increasing your income protection benefit to cover 70% of your $102,000 income.","start":154.54501,"end":167.87,"sentiment":"neutral","sentiment_score":0.1415934876815693},{"text":"It increases the total policy to about $2,481.87 there.","start":168.49,"end":175.45,"sentiment":"neutral","sentiment_score":0.11627949443128374},{"text":"So there's a little bit more of an increase.","start":175.45,"end":177.53,"sentiment":"neutral","sentiment_score":0.04833641917341285}],"sentiment":"neutral","sentiment_score":0.09381570876984481,"channel":0,"num_words":114,"start":132.175,"end":177.53},{"sentences":[{"text":"I'm just looking at the difference for you really quick while I've got you here just so I can give you as much information as possible.","start":177.53,"end":183.335,"sentiment":"neutral","sentiment_score":0.10067500116733405}],"sentiment":"neutral","sentiment_score":0.10067500116733405,"channel":0,"num_words":26,"start":177.53,"end":183.335},{"sentences":[{"text":"Awesome.","start":184.035,"end":184.355,"sentiment":"positive","sentiment_score":0.4483261704444885},{"text":"Thank you.","start":184.355,"end":185.095,"sentiment":"positive","sentiment_score":0.4024968594312668}],"sentiment":"positive","sentiment_score":0.417773296435674,"channel":1,"num_words":3,"start":184.035,"end":185.095},{"sentences":[{"text":"So that's okay.","start":184.995,"end":186.215,"sentiment":"neutral","sentiment_score":0.10323261966307958},{"text":"$1.08 $7.06 and 80¢ and 80.","start":187.395,"end":193.71,"sentiment":"neutral","sentiment_score":-0.006067442893981933},{"text":"That's not doing anything for me.","start":194.97,"end":197.07,"sentiment":"negative","sentiment_score":-0.33442430198192596},{"text":"Let's try that one again and see if it locks me this time around.","start":200.41,"end":204.11,"sentiment":"neutral","sentiment_score":-0.06096312776207924},{"text":"So 2481.","start":205.05,"end":207.47,"sentiment":"neutral","sentiment_score":-0.003577184244932141}],"sentiment":"neutral","sentiment_score":-0.08626077748437334,"channel":0,"num_words":31,"start":184.995,"end":207.47},{"sentences":[{"text":"248187.","start":212.25499,"end":217.315,"sentiment":"neutral","sentiment_score":0.0041824690997600555},{"text":"And then we're going from a premium prior to any rebates there of $1.08 $7.06 and 80¢.","start":218.575,"end":226.85,"sentiment":"neutral","sentiment_score":0.01807184878271073},{"text":"It essentially is an increase on the yearly total for the premium of about $605.07,","start":227.23001,"end":234.29001,"sentiment":"neutral","sentiment_score":0.06309548864761988}],"sentiment":"neutral","sentiment_score":0.03874263685429469,"channel":0,"num_words":33,"start":212.25499,"end":234.29001},{"sentences":[{"text":"Okay.","start":234.89,"end":235.39,"sentiment":"neutral","sentiment_score":0.08684209734201431}],"sentiment":"neutral","sentiment_score":0.08684209734201431,"channel":1,"num_words":1,"start":234.89,"end":235.39},{"sentences":[{"text":"and that increases your monthly benefit up to a about 5,950 in the event of a 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projection in the advice document provided was with the higher projection, but it essentially was showing a projected yeah.","start":255.79001,"end":267.705,"sentiment":"neutral","sentiment_score":0.0055937709879468785},{"text":"So in ten years, a projected amount of 320,168.","start":267.705,"end":273.705,"sentiment":"neutral","sentiment_score":0.011562307882640097},{"text":"That was based on a higher amount because in the advice document Kyle provided, he was also accounting for a 100% loading there.","start":273.705,"end":280.925,"sentiment":"neutral","sentiment_score":0.03438065225339454}],"sentiment":"neutral","sentiment_score":0.031542763610006026,"channel":0,"num_words":92,"start":243.285,"end":280.925},{"sentences":[{"text":"Yep.","start":281.49002,"end":281.99002,"sentiment":"neutral","sentiment_score":0.14087817072868347}],"sentiment":"neutral","sentiment_score":0.14087817072868347,"channel":1,"num_words":1,"start":281.49002,"end":281.99002},{"sentences":[{"text":"Whereas if 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question.","start":485.15,"end":485.89,"sentiment":"neutral","sentiment_score":-0.008239505346864462}],"sentiment":"neutral","sentiment_score":-0.007210308375457923,"channel":1,"num_words":3,"start":484.83002,"end":485.89},{"sentences":[{"text":"No?","start":486.05,"end":486.55,"sentiment":"neutral","sentiment_score":0.004157986491918564},{"text":"Beautiful.","start":486.69,"end":487.19,"sentiment":"neutral","sentiment_score":0.28757116198539734},{"text":"All good.","start":487.97,"end":488.44998,"sentiment":"neutral","sentiment_score":0.2799091637134552}],"sentiment":"neutral","sentiment_score":0.21288686897605658,"channel":0,"num_words":4,"start":486.05,"end":488.44998},{"sentences":[{"text":"I'm pretty","start":488.19,"end":488.67,"sentiment":"neutral","sentiment_score":0.15227776765823364}],"sentiment":"neutral","sentiment_score":0.15227776765823364,"channel":1,"num_words":2,"start":488.19,"end":488.67},{"sentences":[{"text":"Well, I","start":488.44998,"end":488.77,"sentiment":"neutral","sentiment_score":0.2097274363040924}],"sentiment":"neutral","sentiment_score":0.2097274363040924,"channel":0,"num_words":2,"start":488.44998,"end":488.77},{"sentences":[{"text":"simple.","start":488.67,"end":489.17,"sentiment":"neutral","sentiment_score":0.22807511687278748}],"sentiment":"neutral","sentiment_score":0.22807511687278748,"channel":1,"num_words":1,"start":488.67,"end":489.17},{"sentences":[{"text":"was oh, I love it.","start":488.77,"end":490.77,"sentiment":"positive","sentiment_score":0.500863978266716},{"text":"No.","start":490.77,"end":491.00998,"sentiment":"neutral","sentiment_score":0.21408331394195557},{"text":"Thank you so much for your time, Jordan.","start":491.00998,"end":492.93,"sentiment":"positive","sentiment_score":0.4355027973651886},{"text":"I'll get the advice document updated and reissued to you, and I'll get Jack to complete the application.","start":492.93,"end":497.815,"sentiment":"neutral","sentiment_score":0.31795263373189503},{"text":"I appreciate your time.","start":497.955,"end":499.335,"sentiment":"positive","sentiment_score":0.724649965763092}],"sentiment":"positive","sentiment_score":0.4117825792895423,"channel":0,"num_words":36,"start":488.77,"end":499.335},{"sentences":[{"text":"Awesome.","start":499.705,"end":499.865,"sentiment":"positive","sentiment_score":0.8449158072471619},{"text":"Thank you so much.","start":499.865,"end":500.50497,"sentiment":"positive","sentiment_score":0.8503635674715042},{"text":"I hope you have a great","start":500.50497,"end":501.305,"sentiment":"positive","sentiment_score":0.7717558940251669}],"sentiment":"positive","sentiment_score":0.8069914037531073,"channel":1,"num_words":11,"start":499.705,"end":501.305},{"sentences":[{"text":"Mhmm.","start":501.235,"end":501.395,"sentiment":"positive","sentiment_score":0.5928465127944946}],"sentiment":"positive","sentiment_score":0.5928465127944946,"channel":0,"num_words":1,"start":501.235,"end":501.395},{"sentences":[{"text":"night.","start":501.305,"end":501.805,"sentiment":"positive","sentiment_score":0.5557533502578735}],"sentiment":"positive","sentiment_score":0.5557533502578735,"channel":1,"num_words":1,"start":501.305,"end":501.805},{"sentences":[{"text":"Bye bye.","start":501.395,"end":502.035,"sentiment":"positive","sentiment_score":0.3380873501300812},{"text":"You too.","start":502.035,"end":502.51498,"sentiment":"positive","sentiment_score":0.3919723331928253},{"text":"Thank you so much.","start":502.51498,"end":503.475,"sentiment":"positive","sentiment_score":0.711976632475853},{"text":"Talk soon.","start":503.475,"end":504.29498,"sentiment":"positive","sentiment_score":0.3698854446411133},{"text":"See","start":504.435,"end":504.595,"sentiment":"neutral","sentiment_score":0.19356676936149597}],"sentiment":"positive","sentiment_score":0.4764875959266316,"channel":0,"num_words":11,"start":501.395,"end":504.595},{"sentences":[{"text":"See","start":504.50497,"end":504.66498,"sentiment":"neutral","sentiment_score":0.26882171630859375}],"sentiment":"neutral","sentiment_score":0.26882171630859375,"channel":1,"num_words":1,"start":504.50497,"end":504.66498},{"sentences":[{"text":"you","start":504.595,"end":504.755,"sentiment":"neutral","sentiment_score":0.33202144503593445}],"sentiment":"neutral","sentiment_score":0.33202144503593445,"channel":0,"num_words":1,"start":504.595,"end":504.755},{"sentences":[{"text":"you","start":504.66498,"end":504.82498,"sentiment":"neutral","sentiment_score":0.28374147415161133}],"sentiment":"neutral","sentiment_score":0.28374147415161133,"channel":1,"num_words":1,"start":504.66498,"end":504.82498},{"sentences":[{"text":"later.","start":504.755,"end":505.255,"sentiment":"neutral","sentiment_score":0.1948799192905426}],"sentiment":"neutral","sentiment_score":0.1948799192905426,"channel":0,"num_words":1,"start":504.755,"end":505.255},{"sentences":[{"text":"later.","start":504.82498,"end":505.22498,"sentiment":"neutral","sentiment_score":0.09679332375526428},{"text":"Bye.","start":505.22498,"end":505.72498,"sentiment":"neutral","sentiment_score":0.09636076539754868}],"sentiment":"neutral","sentiment_score":0.09657704457640648,"channel":1,"num_words":2,"start":504.82498,"end":505.72498},{"sentences":[{"text":"Bye.","start":505.715,"end":506.215,"sentiment":"neutral","sentiment_score":-0.12465928494930267}],"sentiment":"neutral","sentiment_score":-0.12465928494930267,"channel":0,"num_words":1,"start":505.715,"end":506.215}]},"summary":{"result":"success","short":"Representatives from Oakey Financial called Jordan to update him on his insurance application. They confirm personal information and explain the benefits of coverage for up to 70% of an income, increasing monthly benefits up to a 5,950 in the event of a claim. The policy will increase coverage as the year goes through and is recommended to apply for a salary sacrifice and not allow family suffering due to the failure to work or death. The policy will increase coverage as the year goes through and is updated with updated premiums and coverage."},"intents":{"segments":[{"text":"I just had you booked in for a bit of a quick insurance update there for you. I Yep. believe when you completed your insurance application with my colleague Jack there, you'd noted there has been some changes to your circumstances with your income. Is that right? Yeah.","start_word":29,"end_word":76,"intents":[{"intent":"Update information","confidence_score":0.20196186}]},{"text":"When I just have a quick look at the card to see what that might change to, we can certainly expect that the premiums by increasing your income protection benefit to cover 70% of your $102,000 income. It increases the total policy to about $2,481.87 there.","start_word":500,"end_word":545,"intents":[{"intent":"Update benefits","confidence_score":0.00201857}]},{"text":"So the the projection in the advice document provided was with the higher projection, but it essentially was showing a projected yeah. So in ten years, a projected amount of 320,168. That was based on a higher amount because in the advice document Kyle provided, he was also accounting for a 100% loading there. Yep.","start_word":707,"end_word":761,"intents":[{"intent":"Clarify projection and income coverage","confidence_score":0.000063078216}]},{"text":"The only other thing I just wanted to clarify as well with you is I can see here Kyle also recommended going forward with some salary sacrifice there of about a $100 per week. Are you still comfortable moving forward with the salary sacrifice even with your increase in income? Are you still wanting to sort of make sure that's part of the advice? Yeah.","start_word":921,"end_word":985,"intents":[{"intent":"Review and adjust salary sacrifice recommendation","confidence_score":0.00015795912}]},{"text":"The only other thing to sorta catch up on is just with the other recommendations for the covers there, the life and the TBD, was essentially to apply for 850,000 of life and total permanent disability cover.","start_word":1008,"end_word":1044,"intents":[{"intent":"Apply for life and disability cover","confidence_score":0.28181708}]},{"text":"Given your current circumstances, do you feel like the 850 is still appropriate?","start_word":1112,"end_word":1124,"intents":[{"intent":"Determine appropriate amount","confidence_score":0.003692235}]},{"text":"Did you wanna review that level of cover as well? Or No.","start_word":1125,"end_word":1136,"intents":[{"intent":"Review level of cover","confidence_score":0.3352491},{"intent":"Review level of cover","confidence_score":0.50318265}]},{"text":"So what I'll do is I will get that advice document as updated with the updated premiums and the updated Okeydokey. monthly benefit cost. We'll just get you to I'll send that through to you hopefully tomorrow. If you can just sign and return that back for us, we'll be able to complete the application, and I'll get Jack to send that off for you. The Okay.","start_word":1285,"end_word":1351,"intents":[{"intent":"Update policy documents","confidence_score":0.005248765}]},{"text":"If you can just sign and return that back for us, we'll be able to complete the application, and I'll get Jack to send that off for you. The Okay.","start_word":1322,"end_word":1351,"intents":[{"intent":"Complete application","confidence_score":0.08948034}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Jordan. This is Dana from Oakey Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.15194977819919586},{"text":"I'm good. Thanks. How are you doing? I'm very well. Thank you. Thanks for asking.","start_word":14,"end_word":28,"sentiment":"positive","sentiment_score":0.4984545111656189},{"text":"I just had you booked in for a bit of a quick insurance update there for you. I Yep. believe when you completed your insurance application with my colleague Jack there, you'd noted there has been some changes to your circumstances with your income. Is that right? Yeah. Yeah. No. That that is correct. Yeah.","start_word":29,"end_word":83,"sentiment":"neutral","sentiment_score":0.055156052112579346},{"text":"Fantastic.","start_word":84,"end_word":84,"sentiment":"positive","sentiment_score":0.45280903577804565},{"text":"Well, I've got you booked in to go search with you. Have a bit of a chat, and we'll update everything for you. Okay. Cool. Just just before we jump into the call, I do need to let you know moving forward to record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. That's no problem.","start_word":85,"end_word":148,"sentiment":"neutral","sentiment_score":0.16957394778728485},{"text":"Fantastic.","start_word":149,"end_word":149,"sentiment":"positive","sentiment_score":0.49096253514289856},{"text":"And just to do security, we're discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address that I should have on file. Sure. My full name is Jordan Lee Robinson. My date of birth is Yeah. the 10/16/1995, And Yep. my address is 527 Brushwood Crescent, and that's in Yeah. Cedar Grove.","start_word":150,"end_word":210,"sentiment":"neutral","sentiment_score":0.07861403375864029},{"text":"Beautiful. Thank you so much for that. Really appreciate it.","start_word":211,"end_word":220,"sentiment":"positive","sentiment_score":0.556643009185791},{"text":"So, Jordan, just sort of running through now your income when my colleague Kyle had completed the advice there with you, you were on, I believe, 85,000 per annum. Yep. Just double checking. Yeah. So $82,000 per annum there as a machine operator. My colleague Jack has made mention there that your income has now increased about 102,000. Is that correct? Yeah. That's correct.","start_word":221,"end_word":284,"sentiment":"neutral","sentiment_score":0.04369226470589638},{"text":"Fantastic. Well, congratulations on the pay rise. Well deserved. Well, thank you very much. I appreciate it.","start_word":285,"end_word":301,"sentiment":"positive","sentiment_score":0.4312625825405121},{"text":"No worries It at took all. a bit of a fight with the management, but got there Oh, in the it end. did it. Look. You won.","start_word":302,"end_word":328,"sentiment":"neutral","sentiment_score":0.0331108383834362},{"text":"So that's a positive.","start_word":329,"end_word":332,"sentiment":"positive","sentiment_score":0.3656194806098938},{"text":"Yeah. Definitely.","start_word":333,"end_word":334,"sentiment":"neutral","sentiment_score":0.2512400150299072},{"text":"All good.","start_word":335,"end_word":336,"sentiment":"positive","sentiment_score":0.3452237546443939},{"text":"Now I have just gone through and had a bit of a look because, obviously, if you're wanting to increase, the main sort of difference would be with regards to your income protection if that's what you're sort of wanting to increase because income protection can cover if up to 70% of your income, if you're off work due to illness or injury, income protection is the first insurance we tend to claim on. So making sure we do have that protection correct and covering the maximum monthly benefit we can does sort of work in our favor there. When Not I sort awesome. of have a look now I believe having a look at the premiums, the original premium noted before any rebates was about $1,876.80 there in the advice document. I believe my team has gone back and just reconfirmed that the loading should not apply to that because the drug use disclosed was just a one off, which was good. When I just have a quick look at the card to see what that might change to, we can certainly expect that the premiums by increasing your income protection benefit to cover 70% of your $102,000 income. It increases the total policy to about $2,481.87 there. So there's a little bit more of an increase. I'm just looking at the difference for you really quick while I've got you here just so I can give you as much information as possible.","start_word":337,"end_word":580,"sentiment":"neutral","sentiment_score":0.08550167828798294},{"text":"Awesome. Thank you.","start_word":581,"end_word":583,"sentiment":"positive","sentiment_score":0.411905825138092},{"text":"So that's okay. $1.08 $7.06 and 80<unk> and 80.","start_word":584,"end_word":593,"sentiment":"neutral","sentiment_score":0.03139648213982582},{"text":"That's not doing anything for me.","start_word":594,"end_word":599,"sentiment":"negative","sentiment_score":-0.33792951703071594},{"text":"Let's try that one again and see if it locks me this time around. So 2481. 248187. And then we're going from a premium prior to any rebates there of $1.08 $7.06 and 80<unk>. It essentially is an increase on the yearly total for the premium of about $605.07, Okay. and that increases your monthly benefit up to a about 5,950 in the event of a claim. It Okay. still keeps you at a thirty day waiting period and a five year benefit period. With regard to the projections there, it is obviously a little bit more than what you would have been sort of looking at. So the the projection in the advice document provided was with the higher projection, but it essentially was showing a projected yeah. So in ten years, a projected amount of 320,168. That was based on a higher amount because in the advice document Kyle provided, he was also accounting for a 100% loading there. Yep. Whereas if we're just increasing this with the rebates in the next sort of five to ten years depending on market conditions, the estimated projections about 338,305 there. So it is still sort of working in your favor. It is giving you that Yep. higher level of cover based on your income in the event that you were to claim on income protection. However, these premiums are as what's called steps premiums. It essentially means that they are gonna increase in cost every year as it goes through renewal. So we will, as advisers, make sure we catch up with you, review the level of cover you have, Yep. and, hopefully, be able to reduce that in the future to make sure it's not eating away all of your sofa. But does it does that sound okay? Do you have any questions? Are you wanting to go forward with the increase there? Yeah. That's that's no problem.","start_word":600,"end_word":917,"sentiment":"neutral","sentiment_score":0.041603697909030526},{"text":"Yeah. Beautiful. Excellent.","start_word":918,"end_word":920,"sentiment":"positive","sentiment_score":0.558921217918396},{"text":"The only other thing I just wanted to clarify as well with you is I can see here Kyle also recommended going forward with some salary sacrifice there of about a $100 per week. Are you still comfortable moving forward with the salary sacrifice even with your increase in income? Are you still wanting to sort of make sure that's part of the advice? Yeah. That's no problem. And I have actually handed that form to Yep. payroll. Yep. Yeah. Yeah.","start_word":921,"end_word":1001,"sentiment":"neutral","sentiment_score":0.07501145452260971},{"text":"Fantastic. Not a problem at all.","start_word":1002,"end_word":1007,"sentiment":"positive","sentiment_score":0.4266452491283417},{"text":"The only other thing to sorta catch up on is just with the other recommendations for the covers there, the life and the TBD, was essentially to apply for 850,000 of life and total permanent disability cover. And that Yep. was there essentially to look at meeting your goal. So I'm just going to the document here. Just making sure that you in the event that something was to happen to you, that your family wouldn't resolve wouldn't suffer, sorry, as a result of any kind of inability to work or or if you were to pass away, that would sort of cover them. Given your current circumstances, do you feel like the 850 is still appropriate? Did you wanna review that level of cover as well? Or No. That that's okay. that's okay? Yeah. But it Yeah. looks to me here like you don't have any home loans at the moment. You haven't recently purchased the property at all? No. Nope. That's okay. So that would still be completely appropriate there. It looks like it would still cover what you're after, and increasing those amounts would only increase the premiums there as well. Okay. The other thing he's got here is your out of pocket insurances. So your trauma and the attached life benefit there for 85,000, that was based on essentially your your income at the time. Are you wanting to look at increasing the trauma policy in line with your income, or do you still feel discovering yourself for 85,000 would be sufficient for the time being? Yeah. It'll be sufficient for the time being. Yes. Yep. That's okay. Not a problem at all. So what I'll do is I will get that advice document as updated with the updated premiums and the updated Okeydokey. monthly benefit cost. We'll just get you to I'll send that through to you hopefully tomorrow. If you can just sign and return that back for us, we'll be able to complete the application, and I'll get Jack to send that off for you. The Okay. policy Awesome. will just go through the underwriting process, and then if there's any changes or anything that comes out of that, we'll have another conversation with you. But do you have any questions at all in relation to any of that? No. No question. No? Beautiful. All good. I'm pretty Well, I simple.","start_word":1008,"end_word":1405,"sentiment":"neutral","sentiment_score":0.06778687978135281},{"text":"was oh, I love it.","start_word":1406,"end_word":1410,"sentiment":"positive","sentiment_score":0.48733392357826233},{"text":"No.","start_word":1411,"end_word":1411,"sentiment":"neutral","sentiment_score":0.21408331394195557},{"text":"Thank you so much for your time, Jordan.","start_word":1412,"end_word":1419,"sentiment":"positive","sentiment_score":0.4847797453403473},{"text":"I'll get the advice document updated and reissued to you, and I'll get Jack to complete the application.","start_word":1420,"end_word":1437,"sentiment":"neutral","sentiment_score":0.30756115913391113},{"text":"I appreciate your time. Awesome. Thank you so much. I hope you have a great Mhmm. night. Bye bye. You too. Thank you so much. Talk soon.","start_word":1438,"end_word":1464,"sentiment":"positive","sentiment_score":0.6319272518157959},{"text":"See See you you later. later. Bye. Bye.","start_word":1465,"end_word":1472,"sentiment":"neutral","sentiment_score":0.15973179042339325}],"average":{"sentiment":"neutral","sentiment_score":0.10636043838454597}}}}