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So so if I start with occupation, I have a investment analyst for hedge fund. Now when it comes to income, it does vary quite a bit because they do get quite a lot of bonuses. Now for this year, base income is about $1.90, and then bonus is very consistent. So the client's been with the company for seven years, and each year, there is a bonus. But it does increase each year because it's a percentage of the base. Basically, this financial year, the total package is about 265,000. Last year, it was $2.02 $0.08. And then for next financial year, they estimated around 321. So it does go up quite quite a lot each year. Correct. Yes. Yep. Yep. Yep. It would be ceased because it would be based on my performance. So, obviously, if you're not working yeah. No. Yeah. Yes. Well, I was going to see if there was any restrictions on how much we can do, like, for financials and stuff. Yep. Because that's this year. Yeah. Yep. Yep. Yep. Perfect. And do you have any what's your limit for requiring, obviously, financials and stuff for IP amount? Okay. Okay. Yep. Yep. Yep. Beautiful. That's great. Now health wise, there are a couple of things I do wanna just check with you. Now the first thing is IBS. So let me just see here. The client Let me see here. I'm sorry. Just trying to find the information. Now he had, yeah, IVR in about 2003. So, like, a little bit of stomach issues, not on any current medication or treatment, never had surgery or anything like that. Would that be an issue? Resolved. Okay. Yeah. There is mental health. So let me just get it up for you. So there is anxiety with panic attacks. Now let me see here so I can get the information. Sorry. Just bear with me. So first had symptoms in 2018. Minor symptoms. He did see a doctor, like a GP, in the last five years and was prescribed Valium for it. So it wasn't too bad. So just Valium, which would be more so for situations because that seemed to be more triggering, like, if you're on a plane or a boat and stuff like that. So the doctor just prescribed Valium to be used if that was ever a situation, but the client didn't actually take any of it. He didn't need to. It was more just like a a backup if that presented itself. So no, like, regular medication otherwise. They're quite minor. Yes. So small minor symptoms. Doesn't obviously restrict work at all and no medications or anything like that. Just feeling a little bit anxious every now and then, but not enough to warrant going on medication or anything like that. Yep. Yep. And for time frames, is that five years without any symptoms, typically? Yes. Yep. Yep. Yep. Yep. Yep. Yep. No. That totally makes sense. Alright. Perfect. Now the other thing is so sorry. So, obviously, with that information, does that impact the IBS at all? Correct. Yep. Yep. Yeah. Okay. Perfect. Now the other thing is just a bit of a bad batch. Now it started in let me see here. Around 2015. Last symptom was last year. No, like, a diagnosis for anything. Like, there's no medical diagnosis or anything. No surgery. Had physio physio and chiropractic treatment for it. Last physio was about eight months ago, so don't need, like, regular treatment for it. When he was younger, so when he was first kind of diagnosed, he did have steroid injections to help with the pain. And that was mainly just because he was playing sports like golf quite competitively, and that was just trying to help with it. He's no longer doing that. Yep. Yep. Also, upper back. Yeah. Mhmm. Mhmm. Okay. Perfect. And would that ever be reviewable or no? Yeah. I thought so. Yep. Yep. Yeah. Yep. Perfect. And with the back as well, so kind of at the same time, but only in 2015 was bulging disc as well, kind of from the same thing, same treatment. Yeah. Okay. Yep. Perfect. Now there is two more things that Klein mentioned, but I'd having a look at the application, I don't really see where it fits in. So I do wanna check it. Sorry. Because in the application, there is a question where it is if you've ever experienced any symptoms of it. And that was high cortisol. The doctors thought that it may be high cortisol, but they did, like, a test and everything. And this was back in 2019, and it came so there was a blood test done to see if it was high cortisol, and the test didn't show anything. So the test was all fine. Yep. And that was all to tryna determine, like, in regards to the anxiety, like, what was kind of triggering. Yeah. Yep. Yep. Yep. And just like the doctor's report to show that would be sufficient? Yep. Okay. And that was the same with human growth hormone. It was kind of in the the same time. They thought that maybe it was a human growth hormone to kinda work out the reasoning behind, like, the anxiety. Again, did test and showed that there was like, the human growth hormone was normal according to blood test and everything like that. Yep. Yep. Yep. Yep. Yep. Yep. Beautiful. Perfect. And that was everything. Great. Well, thank you so much for your help today, Mark. I really appreciate it. Thanks. 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Mark. This is Veronica from Oakview Financial. How are you? Yeah. I'm good.\n\nThanks. I'm just hoping to do a bit of an occupation and a medical pre assessment, please. So so if I start with occupation, I have a investment analyst for hedge fund. Now when it comes to income, it does vary quite a bit because they do get quite a lot of bonuses. Now for this year, base income is about $1.90, and then bonus is very consistent.\n\nSo the client's been with the company for seven years, and each year, there is a bonus. But it does increase each year because it's a percentage of the base. Basically, this financial year, the total package is about 265,000. Last year, it was $2.02 $0.08. And then for next financial year, they estimated around 321.\n\nSo it does go up quite quite a lot each year. Correct. Yes. Yep. Yep.\n\nYep. It would be ceased because it would be based on my performance. So, obviously, if you're not working yeah. No. Yeah.\n\nYes. Well, I was going to see if there was any restrictions on how much we can do, like, for financials and stuff. Yep. Because that's this year. Yeah.\n\nYep. Yep. Yep. Perfect. And do you have any what's your limit for requiring, obviously, financials and stuff for IP amount?\n\nOkay. Okay. Yep. Yep. Yep.\n\nBeautiful. That's great. Now health wise, there are a couple of things I do wanna just check with you. Now the first thing is IBS. So let me just see here.\n\nThe client Let me see here. I'm sorry. Just trying to find the information. Now he had, yeah, IVR in about 2003. So, like, a little bit of stomach issues, not on any current medication or treatment, never had surgery or anything like that.\n\nWould that be an issue? Resolved. Okay. Yeah. There is mental health.\n\nSo let me just get it up for you. So there is anxiety with panic attacks. Now let me see here so I can get the information. Sorry. Just bear with me.\n\nSo first had symptoms in 2018. Minor symptoms. He did see a doctor, like a GP, in the last five years and was prescribed Valium for it. So it wasn't too bad. So just Valium, which would be more so for situations because that seemed to be more triggering, like, if you're on a plane or a boat and stuff like that.\n\nSo the doctor just prescribed Valium to be used if that was ever a situation, but the client didn't actually take any of it. He didn't need to. It was more just like a a backup if that presented itself. So no, like, regular medication otherwise. They're quite minor.\n\nYes. So small minor symptoms. Doesn't obviously restrict work at all and no medications or anything like that. Just feeling a little bit anxious every now and then, but not enough to warrant going on medication or anything like that. Yep.\n\nYep. And for time frames, is that five years without any symptoms, typically? Yes. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nThat totally makes sense. Alright. Perfect. Now the other thing is so sorry. So, obviously, with that information, does that impact the IBS at all?\n\nCorrect. Yep. Yep. Yeah. Okay.\n\nPerfect. Now the other thing is just a bit of a bad batch. Now it started in let me see here. Around 2015. Last symptom was last year.\n\nNo, like, a diagnosis for anything. Like, there's no medical diagnosis or anything. No surgery. Had physio physio and chiropractic treatment for it. Last physio was about eight months ago, so don't need, like, regular treatment for it.\n\nWhen he was younger, so when he was first kind of diagnosed, he did have steroid injections to help with the pain. And that was mainly just because he was playing sports like golf quite competitively, and that was just trying to help with it. He's no longer doing that. Yep. Yep.\n\nAlso, upper back. Yeah. Mhmm. Mhmm. Okay.\n\nPerfect. And would that ever be reviewable or no? Yeah. I thought so. Yep.\n\nYep. Yeah. Yep. Perfect. And with the back as well, so kind of at the same time, but only in 2015 was bulging disc as well, kind of from the same thing, same treatment.\n\nYeah. Okay. Yep. Perfect. Now there is two more things that Klein mentioned, but I'd having a look at the application, I don't really see where it fits in.\n\nSo I do wanna check it. Sorry. Because in the application, there is a question where it is if you've ever experienced any symptoms of it. And that was high cortisol. The doctors thought that it may be high cortisol, but they did, like, a test and everything.\n\nAnd this was back in 2019, and it came so there was a blood test done to see if it was high cortisol, and the test didn't show anything. So the test was all fine. Yep. And that was all to tryna determine, like, in regards to the anxiety, like, what was kind of triggering. Yeah.\n\nYep. Yep. Yep. And just like the doctor's report to show that would be sufficient? Yep.\n\nOkay. And that was the same with human growth hormone. It was kind of in the the same time. They thought that maybe it was a human growth hormone to kinda work out the reasoning behind, like, the anxiety. Again, did test and showed that there was like, the human growth hormone was normal according to blood test and everything like that.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Beautiful. Perfect. And that was everything. Great.\n\nWell, thank you so much for your help today, Mark. I really appreciate it. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Mark.","start":59.260002,"end":59.9,"sentiment":"neutral","sentiment_score":0.11772459745407104},{"text":"This is Veronica from Oakview Financial.","start":59.9,"end":61.74,"sentiment":"neutral","sentiment_score":0.13608229781190553},{"text":"How are you?","start":61.74,"end":62.56,"sentiment":"neutral","sentiment_score":0.15416419009367624},{"text":"Yeah.","start":64.545,"end":64.785,"sentiment":"neutral","sentiment_score":0.32991570234298706},{"text":"I'm good.","start":64.785,"end":65.425,"sentiment":"positive","sentiment_score":0.5554594695568085}],"sentiment":"neutral","sentiment_score":0.211090728108372,"num_words":14,"start":59.260002,"end":65.425},{"sentences":[{"text":"Thanks.","start":65.425,"end":65.925,"sentiment":"positive","sentiment_score":0.6558300852775574},{"text":"I'm just hoping to do a bit of an occupation and a medical pre assessment, 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amount?","start":266.21,"end":272.63,"sentiment":"neutral","sentiment_score":0.034982736058094925}],"sentiment":"neutral","sentiment_score":0.06530652195215225,"num_words":21,"start":250.835,"end":272.63},{"sentences":[{"text":"Okay.","start":276.785,"end":277.285,"sentiment":"neutral","sentiment_score":0.004689923487603664},{"text":"Okay.","start":277.585,"end":278.085,"sentiment":"neutral","sentiment_score":0.01821577548980713},{"text":"Yep.","start":286.4,"end":286.9,"sentiment":"neutral","sentiment_score":0.03171630576252937},{"text":"Yep.","start":297.375,"end":297.875,"sentiment":"neutral","sentiment_score":0.020866965875029564},{"text":"Yep.","start":298.97498,"end":299.455,"sentiment":"neutral","sentiment_score":0.1557058542966843}],"sentiment":"neutral","sentiment_score":0.04623896498233081,"num_words":5,"start":276.785,"end":299.455},{"sentences":[{"text":"Beautiful.","start":299.455,"end":299.955,"sentiment":"positive","sentiment_score":0.6739993095397949},{"text":"That's great.","start":300.175,"end":301.07498,"sentiment":"positive","sentiment_score":0.7441301941871643},{"text":"Now health wise, there are a couple of things I do wanna just check with you.","start":304.01498,"end":310.995,"sentiment":"neutral","sentiment_score":0.05282209697179496},{"text":"Now the first thing is IBS.","start":311.58,"end":315.6,"sentiment":"neutral","sentiment_score":-0.008592822899421057},{"text":"So let me just see here.","start":316.54,"end":318.72,"sentiment":"neutral","sentiment_score":-0.0018566550376514594}],"sentiment":"neutral","sentiment_score":0.09499085102710993,"num_words":31,"start":299.455,"end":318.72},{"sentences":[{"text":"The client Let me see here.","start":319.5,"end":325.45502,"sentiment":"neutral","sentiment_score":-0.004020305039982001},{"text":"I'm sorry.","start":347.385,"end":354.58502,"sentiment":"neutral","sentiment_score":-0.07756097055971622},{"text":"Just trying to find the information.","start":354.58502,"end":355.80502,"sentiment":"neutral","sentiment_score":-0.06698841166992982},{"text":"Now he had, yeah, IVR in about 2003.","start":356.745,"end":362.78,"sentiment":"neutral","sentiment_score":-0.06712404545396566},{"text":"So, like, a little bit of stomach issues, not on any current medication or treatment, never had surgery or anything like that.","start":365.0,"end":373.58,"sentiment":"neutral","sentiment_score":-0.18542725863781842}],"sentiment":"neutral","sentiment_score":-0.1181265067055144,"num_words":44,"start":319.5,"end":373.58},{"sentences":[{"text":"Would that be an issue?","start":375.96,"end":377.18,"sentiment":"neutral","sentiment_score":-0.14620682299137117},{"text":"Resolved.","start":388.645,"end":389.145,"sentiment":"neutral","sentiment_score":-0.016961948946118355},{"text":"Okay.","start":391.84998,"end":392.34998,"sentiment":"neutral","sentiment_score":-0.038149844855070114},{"text":"Yeah.","start":407.865,"end":408.365,"sentiment":"neutral","sentiment_score":-0.05034399777650833},{"text":"There is mental health.","start":408.425,"end":410.285,"sentiment":"neutral","sentiment_score":-0.05491828452795744}],"sentiment":"neutral","sentiment_score":-0.0880135870538652,"num_words":12,"start":375.96,"end":410.285},{"sentences":[{"text":"So let me just get it up for you.","start":410.905,"end":413.065,"sentiment":"neutral","sentiment_score":0.06638251410590278},{"text":"So there is anxiety with panic attacks.","start":413.065,"end":420.13998,"sentiment":"neutral","sentiment_score":-0.18245087457554682},{"text":"Now let me see here so I can get the information.","start":423.56,"end":427.65997,"sentiment":"neutral","sentiment_score":0.009676493704319},{"text":"Sorry.","start":448.91998,"end":449.24,"sentiment":"neutral","sentiment_score":-0.11549416929483414},{"text":"Just bear with me.","start":449.24,"end":450.53998,"sentiment":"neutral","sentiment_score":-0.10750161111354828}],"sentiment":"neutral","sentiment_score":-0.034961646189913154,"num_words":32,"start":410.905,"end":450.53998},{"sentences":[{"text":"So first had symptoms in 2018.","start":458.45502,"end":461.915,"sentiment":"neutral","sentiment_score":-0.059703403462966285},{"text":"Minor symptoms.","start":464.87,"end":466.00998,"sentiment":"neutral","sentiment_score":-0.073272455483675},{"text":"He did see a doctor, like a GP, in the last five years and was prescribed Valium for it.","start":469.27,"end":480.965,"sentiment":"neutral","sentiment_score":-0.02823901970527674},{"text":"So it wasn't too bad.","start":480.965,"end":482.585,"sentiment":"neutral","sentiment_score":-0.009723608708009123},{"text":"So just Valium, which would be more so for situations because that seemed to be more triggering, like, if you're on a plane or a boat and stuff like that.","start":483.20502,"end":492.085,"sentiment":"neutral","sentiment_score":-0.11132263243198395}],"sentiment":"neutral","sentiment_score":-0.07144522133298338,"num_words":62,"start":458.45502,"end":492.085},{"sentences":[{"text":"So the doctor just prescribed Valium to be used if that was ever a situation, but the client didn't actually take any of it.","start":492.085,"end":500.16998,"sentiment":"neutral","sentiment_score":-0.04825514291102687},{"text":"He didn't need to.","start":500.16998,"end":501.31,"sentiment":"neutral","sentiment_score":-0.06346666999161243},{"text":"It was more just like a a backup if that presented itself.","start":501.77,"end":506.09,"sentiment":"neutral","sentiment_score":-0.07664082385599613},{"text":"So no, like, regular medication otherwise.","start":506.09,"end":509.655,"sentiment":"neutral","sentiment_score":-0.22186677157878876},{"text":"They're quite minor.","start":510.11502,"end":511.17502,"sentiment":"neutral","sentiment_score":-0.19243629773457846}],"sentiment":"neutral","sentiment_score":-0.08653447997509217,"num_words":49,"start":492.085,"end":511.17502},{"sentences":[{"text":"Yes.","start":516.835,"end":517.335,"sentiment":"neutral","sentiment_score":0.009213127195835114},{"text":"So small minor symptoms.","start":517.47504,"end":519.235,"sentiment":"neutral","sentiment_score":0.011152754537761211},{"text":"Doesn't obviously restrict work at all and no medications or anything like that.","start":519.235,"end":525.72003,"sentiment":"neutral","sentiment_score":-0.16779391138026348},{"text":"Just feeling a little bit anxious every now and then, but not enough to warrant going on medication or anything like that.","start":525.72003,"end":533.5,"sentiment":"negative","sentiment_score":-0.3975412601774389},{"text":"Yep.","start":540.045,"end":540.545,"sentiment":"neutral","sentiment_score":-0.08224617689847946}],"sentiment":"neutral","sentiment_score":-0.26721099032679707,"num_words":41,"start":516.835,"end":540.545},{"sentences":[{"text":"Yep.","start":548.78,"end":549.28,"sentiment":"neutral","sentiment_score":-0.008471877314150333},{"text":"And for time frames, is that five years without any symptoms, typically?","start":549.58,"end":554.08,"sentiment":"neutral","sentiment_score":-0.015251730801537633},{"text":"Yes.","start":565.27496,"end":565.77496,"sentiment":"neutral","sentiment_score":-0.028164155781269073},{"text":"Yep.","start":582.025,"end":582.525,"sentiment":"neutral","sentiment_score":-0.179751455783844},{"text":"Yep.","start":588.345,"end":588.845,"sentiment":"neutral","sentiment_score":-0.059187695384025574}],"sentiment":"neutral","sentiment_score":-0.028662247117608786,"num_words":16,"start":548.78,"end":588.845},{"sentences":[{"text":"Yep.","start":594.68,"end":595.18,"sentiment":"neutral","sentiment_score":-0.04511387646198273},{"text":"Yep.","start":600.04004,"end":600.54004,"sentiment":"neutral","sentiment_score":-0.04715912789106369},{"text":"Yep.","start":614.135,"end":614.635,"sentiment":"neutral","sentiment_score":-0.14925293624401093},{"text":"Yep.","start":621.91,"end":622.31,"sentiment":"neutral","sentiment_score":-0.026034977287054065},{"text":"No.","start":622.31,"end":622.47,"sentiment":"neutral","sentiment_score":-0.05682400241494179}],"sentiment":"neutral","sentiment_score":-0.06487698405981064,"num_words":5,"start":594.68,"end":622.47},{"sentences":[{"text":"That totally makes sense.","start":622.47,"end":623.93,"sentiment":"neutral","sentiment_score":0.011682869866490364},{"text":"Alright.","start":624.87,"end":625.37,"sentiment":"neutral","sentiment_score":0.16771356761455536},{"text":"Perfect.","start":625.51,"end":626.01,"sentiment":"neutral","sentiment_score":0.25440317392349243},{"text":"Now the other thing is so sorry.","start":626.38995,"end":630.725,"sentiment":"neutral","sentiment_score":-0.03355818135397775},{"text":"So, obviously, with that information, does that impact the IBS at all?","start":630.725,"end":634.425,"sentiment":"neutral","sentiment_score":-0.11516073408226173}],"sentiment":"neutral","sentiment_score":-0.045919514298439025,"num_words":25,"start":622.47,"end":634.425},{"sentences":[{"text":"Correct.","start":639.605,"end":640.105,"sentiment":"neutral","sentiment_score":0.005846310406923294},{"text":"Yep.","start":640.40497,"end":640.90497,"sentiment":"neutral","sentiment_score":0.001986271468922496},{"text":"Yep.","start":649.14,"end":649.64,"sentiment":"neutral","sentiment_score":-0.10939904302358627},{"text":"Yeah.","start":659.395,"end":659.715,"sentiment":"neutral","sentiment_score":0.06908512115478516},{"text":"Okay.","start":659.715,"end":660.215,"sentiment":"neutral","sentiment_score":0.037391506135463715}],"sentiment":"neutral","sentiment_score":0.0009820332285016774,"num_words":5,"start":639.605,"end":660.215},{"sentences":[{"text":"Perfect.","start":660.355,"end":660.855,"sentiment":"positive","sentiment_score":0.5922269821166992},{"text":"Now the other thing is just a bit of a bad batch.","start":662.275,"end":667.575,"sentiment":"negative","sentiment_score":-0.47017541403571766},{"text":"Now it started in let me see here.","start":669.54004,"end":677.30005,"sentiment":"neutral","sentiment_score":-0.08548109466210008},{"text":"Around 2015.","start":677.30005,"end":678.84,"sentiment":"neutral","sentiment_score":-0.05933164060115814},{"text":"Last symptom was last year.","start":681.06,"end":683.88,"sentiment":"neutral","sentiment_score":-0.11630652099847794}],"sentiment":"neutral","sentiment_score":-0.22978295106440783,"num_words":28,"start":660.355,"end":683.88},{"sentences":[{"text":"No, like, a diagnosis for anything.","start":686.235,"end":689.535,"sentiment":"neutral","sentiment_score":-0.2695833717783292},{"text":"Like, there's no medical diagnosis or anything.","start":689.835,"end":693.055,"sentiment":"neutral","sentiment_score":-0.24860825496060507},{"text":"No surgery.","start":694.395,"end":695.135,"sentiment":"neutral","sentiment_score":-0.20176052302122116},{"text":"Had physio physio and chiropractic treatment for it.","start":695.755,"end":700.89,"sentiment":"neutral","sentiment_score":-0.1477867690846324},{"text":"Last physio was about eight months ago, so don't need, like, regular treatment for it.","start":702.23004,"end":712.57,"sentiment":"neutral","sentiment_score":-0.20099816123644512}],"sentiment":"neutral","sentiment_score":-0.2094354113857997,"num_words":38,"start":686.235,"end":712.57},{"sentences":[{"text":"When he was younger, so when he was first kind of diagnosed, he did have steroid injections to help with the pain.","start":714.24506,"end":723.22504,"sentiment":"neutral","sentiment_score":-0.12619780579751189},{"text":"And that was mainly just because he was playing sports like golf quite competitively, and that was just trying to help with it.","start":726.18,"end":735.07996,"sentiment":"neutral","sentiment_score":-0.16187090847803198},{"text":"He's no longer doing that.","start":735.3,"end":737.07996,"sentiment":"neutral","sentiment_score":-0.15465455502271652},{"text":"Yep.","start":739.425,"end":739.925,"sentiment":"neutral","sentiment_score":0.0013105149846524},{"text":"Yep.","start":743.025,"end":743.525,"sentiment":"neutral","sentiment_score":-0.023368313908576965}],"sentiment":"neutral","sentiment_score":-0.14028294608802894,"num_words":52,"start":714.24506,"end":743.525},{"sentences":[{"text":"Also, upper back.","start":750.16003,"end":751.54004,"sentiment":"neutral","sentiment_score":-0.07737668603658676},{"text":"Yeah.","start":756.08,"end":756.58,"sentiment":"neutral","sentiment_score":-0.06219688802957535},{"text":"Mhmm.","start":761.535,"end":762.035,"sentiment":"neutral","sentiment_score":-0.05803979188203811},{"text":"Mhmm.","start":772.89496,"end":773.055,"sentiment":"neutral","sentiment_score":-0.012054563499987124},{"text":"Okay.","start":773.055,"end":773.555,"sentiment":"neutral","sentiment_score":0.054665707051754}],"sentiment":"neutral","sentiment_score":-0.04425079920994384,"num_words":7,"start":750.16003,"end":773.555},{"sentences":[{"text":"Perfect.","start":773.855,"end":774.355,"sentiment":"neutral","sentiment_score":0.22451753914356232},{"text":"And would that ever be reviewable or no?","start":775.64,"end":778.46,"sentiment":"neutral","sentiment_score":0.013231055345386267},{"text":"Yeah.","start":783.4,"end":783.72003,"sentiment":"neutral","sentiment_score":-0.11116518080234528},{"text":"I thought so.","start":783.72003,"end":784.78,"sentiment":"neutral","sentiment_score":-0.10502812017997105},{"text":"Yep.","start":789.33496,"end":789.83496,"sentiment":"neutral","sentiment_score":-0.03081608936190605}],"sentiment":"neutral","sentiment_score":-0.009049974914108005,"num_words":14,"start":773.855,"end":789.83496},{"sentences":[{"text":"Yep.","start":791.175,"end":791.675,"sentiment":"neutral","sentiment_score":-0.02808794751763344},{"text":"Yeah.","start":799.27,"end":799.77,"sentiment":"neutral","sentiment_score":-0.1516798883676529},{"text":"Yep.","start":801.11,"end":801.58997,"sentiment":"neutral","sentiment_score":-0.002110981848090887},{"text":"Perfect.","start":801.58997,"end":802.08997,"sentiment":"neutral","sentiment_score":0.13354720175266266},{"text":"And with the back as well, so kind of at the same time, but only in 2015 was bulging disc as well, kind of from the same thing, same treatment.","start":802.87,"end":815.52496,"sentiment":"neutral","sentiment_score":-0.037002838340898354}],"sentiment":"neutral","sentiment_score":-0.034071081359048974,"num_words":34,"start":791.175,"end":815.52496},{"sentences":[{"text":"Yeah.","start":816.385,"end":816.885,"sentiment":"neutral","sentiment_score":-0.03152885288000107},{"text":"Okay.","start":818.625,"end":819.125,"sentiment":"neutral","sentiment_score":0.09461963921785356},{"text":"Yep.","start":820.14496,"end":820.625,"sentiment":"positive","sentiment_score":0.3641928136348725},{"text":"Perfect.","start":820.625,"end":821.125,"sentiment":"positive","sentiment_score":0.5386776328086853},{"text":"Now there is two more things that Klein mentioned, but I'd having a look at the application, I don't really see where it fits in.","start":821.90497,"end":829.72,"sentiment":"neutral","sentiment_score":-0.022771674171090127}],"sentiment":"neutral","sentiment_score":0.01367825443117783,"num_words":29,"start":816.385,"end":829.72},{"sentences":[{"text":"So I do wanna check it.","start":829.72,"end":831.32,"sentiment":"neutral","sentiment_score":-0.001637343938151995},{"text":"Sorry.","start":831.32,"end":831.82,"sentiment":"neutral","sentiment_score":-0.10975596308708192},{"text":"Because in the application, there is a question where it is if you've ever experienced any symptoms of it.","start":831.96,"end":838.38,"sentiment":"neutral","sentiment_score":-0.12846624184595912},{"text":"And that was high cortisol.","start":839.96,"end":842.38,"sentiment":"neutral","sentiment_score":-0.21229047179222107},{"text":"The doctors thought that it may be high cortisol, but they did, like, a test and everything.","start":844.165,"end":851.20496,"sentiment":"neutral","sentiment_score":-0.1700370259144727}],"sentiment":"neutral","sentiment_score":-0.13567750877700746,"num_words":48,"start":829.72,"end":851.20496},{"sentences":[{"text":"And this was back in 2019, and it came so there was a blood test done to see if it was high cortisol, and the test didn't show anything.","start":851.20496,"end":859.38,"sentiment":"neutral","sentiment_score":-0.15596231586974243},{"text":"So the test was all fine.","start":859.52,"end":861.22003,"sentiment":"neutral","sentiment_score":-0.033625999465584755},{"text":"Yep.","start":867.04004,"end":867.54004,"sentiment":"neutral","sentiment_score":-0.05564498528838158},{"text":"And that was all to tryna determine, like, in regards to the anxiety, like, what was kind of triggering.","start":867.68,"end":873.88495,"sentiment":"neutral","sentiment_score":-0.09880250300231733},{"text":"Yeah.","start":876.425,"end":876.925,"sentiment":"neutral","sentiment_score":-0.08166754990816116}],"sentiment":"neutral","sentiment_score":-0.12034327230815377,"num_words":56,"start":851.20496,"end":876.925},{"sentences":[{"text":"Yep.","start":878.345,"end":878.845,"sentiment":"neutral","sentiment_score":-0.15784049034118652},{"text":"Yep.","start":886.27997,"end":886.77997,"sentiment":"neutral","sentiment_score":-0.1282247006893158},{"text":"Yep.","start":889.8,"end":890.3,"sentiment":"neutral","sentiment_score":-0.01984965428709984},{"text":"And just like the doctor's report to show that would be sufficient?","start":890.44,"end":893.58,"sentiment":"neutral","sentiment_score":-0.01642419785882036},{"text":"Yep.","start":894.44,"end":894.94,"sentiment":"neutral","sentiment_score":0.07969216257333755}],"sentiment":"neutral","sentiment_score":-0.026457066065631807,"num_words":16,"start":878.345,"end":894.94},{"sentences":[{"text":"Okay.","start":897.495,"end":897.995,"sentiment":"neutral","sentiment_score":0.042419418692588806},{"text":"And that was the same with human growth hormone.","start":898.135,"end":901.755,"sentiment":"neutral","sentiment_score":0.007484669279721048},{"text":"It was kind of in the the same time.","start":902.295,"end":904.695,"sentiment":"neutral","sentiment_score":-0.014108337668908967},{"text":"They thought that maybe it was a human growth hormone to kinda work out the reasoning behind, like, the anxiety.","start":904.695,"end":914.54004,"sentiment":"neutral","sentiment_score":-0.028559894673526286},{"text":"Again, did test and showed that there was like, the human growth hormone was normal according to blood test and everything like 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that was everything.","start":951.84503,"end":953.22504,"sentiment":"positive","sentiment_score":0.7846294194459915},{"text":"Great.","start":955.85895,"end":956.17896,"sentiment":"positive","sentiment_score":0.8506683111190796}],"sentiment":"positive","sentiment_score":0.730674497783184,"num_words":8,"start":949.28503,"end":956.17896},{"sentences":[{"text":"Well, thank you so much for your help today, Mark.","start":956.17896,"end":957.85895,"sentiment":"positive","sentiment_score":0.8346939980983734},{"text":"I really appreciate it.","start":957.85895,"end":959.079,"sentiment":"positive","sentiment_score":0.8554824441671371},{"text":"Thanks.","start":961.37897,"end":961.87897,"sentiment":"positive","sentiment_score":0.6983461380004883},{"text":"Bye.","start":961.93896,"end":962.43896,"sentiment":"positive","sentiment_score":0.4302252233028412}],"sentiment":"positive","sentiment_score":0.8060900699347258,"num_words":16,"start":956.17896,"end":962.43896}]}}]},{"alternatives":[{"transcript":"Your underwriter is currently on another call. If you would like them to call you back, please press 1. Otherwise, please hold the line, and we will transfer you to the next available representative. Please note this call will be recorded for quality, training, and assurance purposes. MetLife is committed to protecting your privacy and handling personal information in accordance with the privacy act nineteen eighty eight. For information on MetLife's privacy policy, such as how we collect, use, handle, and disclose personal information, visit our website at www.netlife.com.au. All our representatives are currently on other calls. Please hold the line, and we will be with you as soon as possible. You are the next caller in the Midlife Underwriting. Mark speaking. Oh, not too bad. Yourself? Are you going for it? What have we got? Yeah. Yep. Yep. Yeah. Okay. So so in short, we've got no dramas ensuring so it's a cash bonus. Is that correct? Yeah. So we've got no dramas, especially for that field because we're, like you mentioned, commissions or bonuses are commonplace. So we've got no dramas ensuring that component of the income on the provider that it's consistent. The only the only kicker that you've got or what I'm not a 100% clear on is the is the the the bonuses being a percentage a percentage amount, I e, does that does that if the client was unable to work, would that bonus cease, or would he continue to earn it regardless based on that formula of it being a percentage of the base? That's fine. Yeah. As long as it's not like a trail commission like a mortgage broker where you get this wicked tails. So that that's fine. So the the second thing is so the the only con because his income's gonna go up by about, what, just under just over 55 grands this year. What what are you looking to ensure? Yeah. So where yeah. So, I mean, where we'd be sitting is, preferably, we'd be looking at ensuring the 265. Just that's what he's currently earning. So that would give you a monthly a monthly benefit of just over $15. And, occupationally, the client's easily gonna meet criteria for a professional rating. So just so I'd like basically, it's up to $20, so we don't need it. And the the application will ask you the valid questions saying, what was your income last year? What's your income this year? And then it will ask it may flag with underwriting. But if that's the case, we can just send you guys through a quick email to go through what you've detailed over the phone, and there's not gonna be any issues. Cool beans. No. You're wrong. No. So, like, if so if it's all the way back and what's the current status? Is it ongoing or resolved? Yeah. That'll be fine. Well, like, it was don't don't these years ago. The only red flag would be if there's, like, a mental health history, because IBS can be associated with any number of conditions, and stress can be one of them. But if he's had no dramas for the last twenty odd years, that's not gonna cause you any issues. And the symptoms are ongoing. Yeah. So where we're gonna be is because I'm a shit like, we're gonna be looking at it sounds like decent levels of cover. More than likely, you're gonna be looking at a doctor's report, but the end outcome should be life and trauma standard IP TBD with a mental health exclusion. It typically is, but the thing you've gotta be mindful of with mental health is review periods can really be dictated by the duration of symptoms. So what I mean by that is, let's say, you went through a divorce or your dog died or you know, and and you're upset for, you know, six months. It's all reactive. Those are the ones that are much easier to review. Whereas if you've got a history of panic attacks and anxiety and they date back to 2018, we're in 2026. Now so that that and and I get the fact he's not on any medication, but it's still an eight year history. So, like, on face value, five years treatment and symptom free is generally what we look at, but I do think you need to be mindful that that's gonna be subject to full doctor's reports because it's a history dictates that it's something that's been present for for many, many years opposed to a reactive event where that the trigger gets removed and and therefore the risk totally removes for us. Well, no. To be honest, it actually makes it but IBS shouldn't have been an issue anyway. But but in saying that, like, it's given we're excluding men mental health for valid reasons being the anxiety, it it almost makes it probably a little bit easier because one of the causes, like I said, can be anxiety stress, and we're excluding that risk anyway. So that that's that's fine. Yeah. That's that's fine. So as like, it's we're we're excluding it, but, like, is it limited just the lower back, or is it mid spine? Or yeah. So we're definitely looking at a back exclusion. We're just gonna need some clearer details on the application as to whether or not that's gonna be a full spine or if it can be limited to a certain area of the spine. If it's the upper thoracic spine, it's which is two parts, that's when you can be looking at a full spine. I I think based on what you're telling me, the the short answer would be no. And the reason why I say that, like, you've had cortisone injections, It's not debilitating, but it's there or thereabouts. So that that that, like, permanent exclusion if something changes after five years, happy to review. But I think that's highly unlikely. That's fine. The back it's it's gonna cut, like, the back exclusion is gonna cover us, so that's fine. Yeah. That should be fine, but we're definitely gonna need a doctor's report. I mean, that yeah. So, correct. So high cortisol can be attributed stress, but it can also be associated with cushions and pituitary tumors, all that kind of thing. So we'd need to do our due diligence just to make sure that the any any nasties were fully excluded. Well, correct. Exactly right. So yeah. Correct. Yeah. So it sounds like he's been fully worked up on this kind of stuff. So there's no hiding it it sounds all good, but the report's gonna be really key for both of those last two conditions to make sure that everything basically led back to stress and that there was no underlying conditions that that that were associated for what they're investigating. Excellent. No worries. Alright. Thanks for that. Cheers. 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underwriter is currently on another call. If you would like them to call you back, please press 1. Otherwise, please hold the line, and we will transfer you to the next available representative. Please note this call will be recorded for quality, training, and assurance purposes. MetLife is committed to protecting your privacy and handling personal information in accordance with the privacy act nineteen eighty eight.\n\nFor information on MetLife's privacy policy, such as how we collect, use, handle, and disclose personal information, visit our website at www.netlife.com.au. All our representatives are currently on other calls. Please hold the line, and we will be with you as soon as possible. You are the next caller in the Midlife Underwriting. Mark speaking.\n\nOh, not too bad. Yourself? Are you going for it? What have we got? Yeah.\n\nYep. Yep. Yeah. Okay. So so in short, we've got no dramas ensuring so it's a cash bonus.\n\nIs that correct? Yeah. So we've got no dramas, especially for that field because we're, like you mentioned, commissions or bonuses are commonplace. So we've got no dramas ensuring that component of the income on the provider that it's consistent. The only the only kicker that you've got or what I'm not a 100% clear on is the is the the the bonuses being a percentage a percentage amount, I e, does that does that if the client was unable to work, would that bonus cease, or would he continue to earn it regardless based on that formula of it being a percentage of the base?\n\nThat's fine. Yeah. As long as it's not like a trail commission like a mortgage broker where you get this wicked tails. So that that's fine. So the the second thing is so the the only con because his income's gonna go up by about, what, just under just over 55 grands this year.\n\nWhat what are you looking to ensure? Yeah. So where yeah. So, I mean, where we'd be sitting is, preferably, we'd be looking at ensuring the 265. Just that's what he's currently earning.\n\nSo that would give you a monthly a monthly benefit of just over $15. And, occupationally, the client's easily gonna meet criteria for a professional rating. So just so I'd like basically, it's up to $20, so we don't need it. And the the application will ask you the valid questions saying, what was your income last year? What's your income this year?\n\nAnd then it will ask it may flag with underwriting. But if that's the case, we can just send you guys through a quick email to go through what you've detailed over the phone, and there's not gonna be any issues. Cool beans. No. You're wrong.\n\nNo. So, like, if so if it's all the way back and what's the current status? Is it ongoing or resolved? Yeah. That'll be fine.\n\nWell, like, it was don't don't these years ago. The only red flag would be if there's, like, a mental health history, because IBS can be associated with any number of conditions, and stress can be one of them. But if he's had no dramas for the last twenty odd years, that's not gonna cause you any issues. And the symptoms are ongoing. Yeah.\n\nSo where we're gonna be is because I'm a shit like, we're gonna be looking at it sounds like decent levels of cover. More than likely, you're gonna be looking at a doctor's report, but the end outcome should be life and trauma standard IP TBD with a mental health exclusion. It typically is, but the thing you've gotta be mindful of with mental health is review periods can really be dictated by the duration of symptoms. So what I mean by that is, let's say, you went through a divorce or your dog died or you know, and and you're upset for, you know, six months. It's all reactive.\n\nThose are the ones that are much easier to review. Whereas if you've got a history of panic attacks and anxiety and they date back to 2018, we're in 2026. Now so that that and and I get the fact he's not on any medication, but it's still an eight year history. So, like, on face value, five years treatment and symptom free is generally what we look at, but I do think you need to be mindful that that's gonna be subject to full doctor's reports because it's a history dictates that it's something that's been present for for many, many years opposed to a reactive event where that the trigger gets removed and and therefore the risk totally removes for us. Well, no.\n\nTo be honest, it actually makes it but IBS shouldn't have been an issue anyway. But but in saying that, like, it's given we're excluding men mental health for valid reasons being the anxiety, it it almost makes it probably a little bit easier because one of the causes, like I said, can be anxiety stress, and we're excluding that risk anyway. So that that's that's fine. Yeah. That's that's fine.\n\nSo as like, it's we're we're excluding it, but, like, is it limited just the lower back, or is it mid spine? Or yeah. So we're definitely looking at a back exclusion. We're just gonna need some clearer details on the application as to whether or not that's gonna be a full spine or if it can be limited to a certain area of the spine. If it's the upper thoracic spine, it's which is two parts, that's when you can be looking at a full spine.\n\nI I think based on what you're telling me, the the short answer would be no. And the reason why I say that, like, you've had cortisone injections, It's not debilitating, but it's there or thereabouts. So that that that, like, permanent exclusion if something changes after five years, happy to review. But I think that's highly unlikely. That's fine.\n\nThe back it's it's gonna cut, like, the back exclusion is gonna cover us, so that's fine. Yeah. That should be fine, but we're definitely gonna need a doctor's report. I mean, that yeah. So, correct.\n\nSo high cortisol can be attributed stress, but it can also be associated with cushions and pituitary tumors, all that kind of thing. So we'd need to do our due diligence just to make sure that the any any nasties were fully excluded. Well, correct. Exactly right. So yeah.\n\nCorrect. Yeah. So it sounds like he's been fully worked up on this kind of stuff. So there's no hiding it it sounds all good, but the report's gonna be really key for both of those last two conditions to make sure that everything basically led back to stress and that there was no underlying conditions that that that were associated for what they're investigating. Excellent.\n\nNo worries. Alright. Thanks for that. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Your underwriter is currently on another call.","start":1.12,"end":3.78,"sentiment":"neutral","sentiment_score":-0.13561247502054488},{"text":"If you would like them to call you back, please press 1.","start":3.84,"end":6.98,"sentiment":"neutral","sentiment_score":-0.05850469786673784},{"text":"Otherwise, please hold the line, and we will transfer you to the next available representative.","start":7.44,"end":11.62,"sentiment":"neutral","sentiment_score":-0.05497444247206052},{"text":"Please note this call will be recorded for quality, training, and assurance purposes.","start":18.175,"end":22.595001,"sentiment":"neutral","sentiment_score":-0.059814708737226635},{"text":"MetLife is committed to protecting your privacy and handling personal information in accordance with the privacy act nineteen eighty 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got?","start":71.805,"end":72.785,"sentiment":"neutral","sentiment_score":0.037276661954820156},{"text":"Yeah.","start":80.49,"end":80.99,"sentiment":"neutral","sentiment_score":0.038047850131988525}],"sentiment":"neutral","sentiment_score":0.12546842272082964,"num_words":15,"start":62.670002,"end":80.99},{"sentences":[{"text":"Yep.","start":99.495,"end":99.995,"sentiment":"neutral","sentiment_score":0.1780150830745697},{"text":"Yep.","start":107.869995,"end":108.369995,"sentiment":"neutral","sentiment_score":0.1531556248664856},{"text":"Yeah.","start":139.17,"end":139.67,"sentiment":"neutral","sentiment_score":0.10403203964233398},{"text":"Okay.","start":139.73,"end":140.23,"sentiment":"neutral","sentiment_score":0.10785629600286484},{"text":"So so in short, we've got no dramas ensuring so it's a cash bonus.","start":141.73,"end":147.83,"sentiment":"neutral","sentiment_score":0.12293240587626185}],"sentiment":"neutral","sentiment_score":0.12578404032521778,"num_words":18,"start":99.495,"end":147.83},{"sentences":[{"text":"Is that correct?","start":147.89,"end":148.79001,"sentiment":"neutral","sentiment_score":0.13029188911120096},{"text":"Yeah.","start":150.05,"end":150.45,"sentiment":"neutral","sentiment_score":0.2056621611118317},{"text":"So we've got no dramas, especially for that field because we're, like you mentioned, commissions or bonuses are commonplace.","start":150.45,"end":157.70499,"sentiment":"neutral","sentiment_score":0.255368184102209},{"text":"So we've got no dramas ensuring that component of the income on the provider that it's consistent.","start":157.765,"end":164.665,"sentiment":"neutral","sentiment_score":0.22953204810619354},{"text":"The only the only kicker that you've got or what I'm not a 100% clear on is the is the the the bonuses being a percentage a percentage amount, I e, does that does that if the client was unable to work, would that bonus cease, or would he continue to earn it regardless based on that formula of it being a percentage of the base?","start":165.65,"end":201.68,"sentiment":"neutral","sentiment_score":-0.05285837100536534}],"sentiment":"neutral","sentiment_score":0.05530118545130739,"num_words":106,"start":147.89,"end":201.68},{"sentences":[{"text":"That's fine.","start":207.625,"end":208.105,"sentiment":"neutral","sentiment_score":0.0148704182356596},{"text":"Yeah.","start":208.105,"end":208.50499,"sentiment":"neutral","sentiment_score":0.03991416096687317},{"text":"As long as it's not like a trail commission like a mortgage broker where you get this wicked tails.","start":208.50499,"end":214.185,"sentiment":"neutral","sentiment_score":-0.0665234793957911},{"text":"So that that's fine.","start":214.185,"end":215.485,"sentiment":"neutral","sentiment_score":0.08151678740978241},{"text":"So the the second thing is so the the only con because his income's gonna go up by about, what, just under just over 55 grands this year.","start":216.345,"end":228.0,"sentiment":"neutral","sentiment_score":-0.014860562980175018}],"sentiment":"neutral","sentiment_score":-0.023783698609029805,"num_words":54,"start":207.625,"end":228.0},{"sentences":[{"text":"What what are you looking to ensure?","start":228.45999,"end":230.23999,"sentiment":"neutral","sentiment_score":-0.009999979686524187},{"text":"Yeah.","start":235.80501,"end":236.205,"sentiment":"neutral","sentiment_score":-0.014187769964337347},{"text":"So where yeah.","start":236.205,"end":237.425,"sentiment":"neutral","sentiment_score":-0.013148350020249685},{"text":"So, I mean, where we'd be sitting is, preferably, we'd be looking at ensuring the 265.","start":239.005,"end":245.345,"sentiment":"neutral","sentiment_score":0.0014750571475588004},{"text":"Just that's what he's currently earning.","start":247.165,"end":250.15001,"sentiment":"neutral","sentiment_score":0.06100321436921755}],"sentiment":"neutral","sentiment_score":0.008060227961984558,"num_words":33,"start":228.45999,"end":250.15001},{"sentences":[{"text":"So that would give you a monthly a monthly benefit of just over $15.","start":250.15001,"end":255.37001,"sentiment":"neutral","sentiment_score":0.12132834802780833},{"text":"And, occupationally, the client's easily gonna meet criteria for a professional rating.","start":257.03,"end":262.41,"sentiment":"neutral","sentiment_score":0.10217015972981851},{"text":"So just so I'd like basically, it's up to $20, so we don't need it.","start":266.605,"end":277.41,"sentiment":"neutral","sentiment_score":0.013003245325914273},{"text":"And the the application will ask you the valid questions saying, what was your income last year?","start":278.37,"end":284.05002,"sentiment":"neutral","sentiment_score":0.017770781510454768},{"text":"What's your income this year?","start":284.05002,"end":285.67,"sentiment":"neutral","sentiment_score":0.0032125902129337192}],"sentiment":"neutral","sentiment_score":0.05456910644092464,"num_words":63,"start":250.15001,"end":285.67},{"sentences":[{"text":"And then it will ask it may flag with underwriting.","start":286.53,"end":291.03,"sentiment":"neutral","sentiment_score":-0.002946433611214161},{"text":"But if that's the case, we can just send you guys through a quick email to go through what you've detailed over the phone, and there's not gonna be any issues.","start":291.17,"end":298.295,"sentiment":"neutral","sentiment_score":0.05464936442477929},{"text":"Cool beans.","start":302.515,"end":303.335,"sentiment":"positive","sentiment_score":0.3972950130701065},{"text":"No.","start":356.005,"end":356.165,"sentiment":"neutral","sentiment_score":-0.17774970829486847},{"text":"You're wrong.","start":356.165,"end":356.905,"sentiment":"neutral","sentiment_score":-0.1717432215809822}],"sentiment":"neutral","sentiment_score":0.04213086599433471,"num_words":46,"start":286.53,"end":356.905},{"sentences":[{"text":"No.","start":379.725,"end":380.225,"sentiment":"neutral","sentiment_score":-0.14459344744682312},{"text":"So, like, if so if it's all the way back and what's the current status?","start":380.36502,"end":384.70502,"sentiment":"neutral","sentiment_score":-0.10350183943907419},{"text":"Is it ongoing or resolved?","start":384.765,"end":386.46503,"sentiment":"neutral","sentiment_score":-0.11718301326036454},{"text":"Yeah.","start":389.89,"end":390.13,"sentiment":"neutral","sentiment_score":0.12364880740642548},{"text":"That'll be fine.","start":390.13,"end":391.11002,"sentiment":"neutral","sentiment_score":0.24628916879494986}],"sentiment":"neutral","sentiment_score":-0.056820791661739346,"num_words":25,"start":379.725,"end":391.11002},{"sentences":[{"text":"Well, like, it was don't don't these years ago.","start":391.17,"end":393.89,"sentiment":"neutral","sentiment_score":-0.12429316341876984},{"text":"The only red flag would be if there's, like, a mental health history, because IBS can be associated with any number of conditions, and stress can be one of them.","start":393.89,"end":401.875,"sentiment":"neutral","sentiment_score":-0.3091839651266734},{"text":"But if he's had no dramas for the last twenty odd years, that's not gonna cause you any issues.","start":401.875,"end":406.375,"sentiment":"neutral","sentiment_score":-0.20464911547146344},{"text":"And the symptoms are ongoing.","start":512.81,"end":514.43,"sentiment":"neutral","sentiment_score":-0.1907173991203308},{"text":"Yeah.","start":533.78,"end":534.10004,"sentiment":"neutral","sentiment_score":-0.07612542062997818}],"sentiment":"neutral","sentiment_score":-0.23925317241810262,"num_words":64,"start":391.17,"end":534.10004},{"sentences":[{"text":"So where we're gonna be is because I'm a shit like, we're gonna be looking at it sounds like decent levels of cover.","start":534.10004,"end":539.24,"sentiment":"neutral","sentiment_score":-0.10248709405245988},{"text":"More than likely, you're gonna be looking at a doctor's report, but the end outcome should be life and trauma standard IP TBD with a mental health exclusion.","start":539.62,"end":547.32,"sentiment":"neutral","sentiment_score":-0.10559635875480515},{"text":"It typically is, but the thing you've gotta be mindful of with mental health is review periods can really be dictated by the duration of symptoms.","start":554.735,"end":564.3,"sentiment":"neutral","sentiment_score":-0.10463105557629696},{"text":"So what I mean by that is, let's say, you went through a divorce or your dog died or you know, and and you're upset for, you know, six months.","start":565.8,"end":574.515,"sentiment":"neutral","sentiment_score":-0.10727272952596346},{"text":"It's all reactive.","start":574.515,"end":575.495,"sentiment":"neutral","sentiment_score":-0.13871974498033524}],"sentiment":"neutral","sentiment_score":-0.10607863430949775,"num_words":110,"start":534.10004,"end":575.495},{"sentences":[{"text":"Those are the ones that are much easier to review.","start":575.555,"end":578.195,"sentiment":"neutral","sentiment_score":-0.037976115196943286},{"text":"Whereas if you've got a history of panic attacks and anxiety and they date back to 2018, we're in 2026.","start":578.195,"end":587.49,"sentiment":"neutral","sentiment_score":-0.17384072691202163},{"text":"Now so that that and and I get the fact he's not on any medication, but it's still an eight year history.","start":588.29,"end":593.83,"sentiment":"neutral","sentiment_score":-0.11561474204063416},{"text":"So, like, on face value, five years treatment and symptom free is generally what we look at, but I do think you need to be mindful that that's gonna be subject to full doctor's reports because it's a history dictates that it's something that's been present for for many, many years opposed to a reactive event where that the trigger gets removed and and therefore the risk totally removes for us.","start":594.20996,"end":621.36,"sentiment":"neutral","sentiment_score":-0.1443359559060822},{"text":"Well, no.","start":634.705,"end":635.265,"sentiment":"neutral","sentiment_score":-0.12325951084494591}],"sentiment":"neutral","sentiment_score":-0.13515577524900435,"num_words":125,"start":575.555,"end":635.265},{"sentences":[{"text":"To be honest, it actually makes it but IBS shouldn't have been an issue anyway.","start":635.265,"end":638.80505,"sentiment":"neutral","sentiment_score":-0.14613705972830454},{"text":"But but in saying that, like, it's given we're excluding men mental health for valid reasons being the anxiety, it it almost makes it probably a little bit easier because one of the causes, like I said, can be anxiety stress, and we're excluding that risk anyway.","start":640.385,"end":657.26,"sentiment":"neutral","sentiment_score":-0.13940652293410707},{"text":"So that that's that's fine.","start":657.26,"end":658.72,"sentiment":"neutral","sentiment_score":0.14362941980361937},{"text":"Yeah.","start":735.36,"end":735.68,"sentiment":"neutral","sentiment_score":-0.051902253180742264},{"text":"That's that's fine.","start":735.68,"end":738.66,"sentiment":"neutral","sentiment_score":-0.05332888476550579}],"sentiment":"neutral","sentiment_score":-0.11602682087727835,"num_words":71,"start":635.265,"end":738.66},{"sentences":[{"text":"So as like, it's we're we're excluding it, but, like, is it limited just the lower back, or is it mid spine?","start":738.8,"end":747.73505,"sentiment":"neutral","sentiment_score":-0.04103336991234259},{"text":"Or yeah.","start":747.79504,"end":752.435,"sentiment":"neutral","sentiment_score":-0.05726699344813824},{"text":"So we're definitely looking at a back exclusion.","start":752.435,"end":754.53503,"sentiment":"neutral","sentiment_score":-0.14499961771070957},{"text":"We're just gonna need some clearer details on the application as to whether or not that's gonna be a full spine or if it can be limited to a certain area of the spine.","start":755.635,"end":764.79,"sentiment":"neutral","sentiment_score":-0.08553804314750083},{"text":"If it's the upper thoracic spine, it's which is two parts, that's when you can be looking at a full spine.","start":764.79,"end":772.17,"sentiment":"neutral","sentiment_score":-0.0661734530613536}],"sentiment":"neutral","sentiment_score":-0.07442759825237866,"num_words":87,"start":738.8,"end":772.17},{"sentences":[{"text":"I I think based on what you're telling me, the the short answer would be no.","start":778.91504,"end":782.935,"sentiment":"neutral","sentiment_score":-0.20539254136383533},{"text":"And the reason why I say that, like, you've had cortisone injections, It's not debilitating, but it's there or thereabouts.","start":783.395,"end":789.65,"sentiment":"neutral","sentiment_score":-0.18202283047139645},{"text":"So that that that, like, permanent exclusion if something changes after five years, happy to review.","start":791.15,"end":798.35004,"sentiment":"neutral","sentiment_score":-0.09856645716354251},{"text":"But I think that's highly unlikely.","start":798.35004,"end":800.05005,"sentiment":"neutral","sentiment_score":-0.1534290835261345},{"text":"That's fine.","start":814.485,"end":815.125,"sentiment":"neutral","sentiment_score":0.06947164610028267}],"sentiment":"neutral","sentiment_score":-0.15475719658037027,"num_words":60,"start":778.91504,"end":815.125},{"sentences":[{"text":"The back it's it's gonna cut, like, the back exclusion is gonna cover us, so that's fine.","start":815.125,"end":819.60004,"sentiment":"neutral","sentiment_score":-0.018137678065720725},{"text":"Yeah.","start":862.35504,"end":862.755,"sentiment":"neutral","sentiment_score":-0.04198520630598068},{"text":"That should be fine, but we're definitely gonna need a doctor's report.","start":862.755,"end":866.215,"sentiment":"neutral","sentiment_score":-0.12262327751765649},{"text":"I mean, that yeah.","start":867.875,"end":872.85504,"sentiment":"neutral","sentiment_score":-0.09463150426745415},{"text":"So, correct.","start":872.995,"end":874.88,"sentiment":"neutral","sentiment_score":-0.07670185901224613}],"sentiment":"neutral","sentiment_score":-0.06538152218692833,"num_words":36,"start":815.125,"end":874.88},{"sentences":[{"text":"So high cortisol can be attributed stress, but it can also be associated with cushions and pituitary tumors, all that kind of thing.","start":874.88,"end":883.12006,"sentiment":"neutral","sentiment_score":-0.15000390844500583},{"text":"So we'd need to do our due diligence just to make sure that the any any nasties were fully excluded.","start":883.12006,"end":888.9,"sentiment":"neutral","sentiment_score":-0.15086475983262063},{"text":"Well, correct.","start":893.23505,"end":893.97504,"sentiment":"neutral","sentiment_score":0.049249397590756416},{"text":"Exactly right.","start":894.275,"end":895.41504,"sentiment":"neutral","sentiment_score":0.08461789041757584},{"text":"So yeah.","start":895.555,"end":896.275,"sentiment":"neutral","sentiment_score":0.07564220204949379}],"sentiment":"neutral","sentiment_score":-0.12343604307697743,"num_words":49,"start":874.88,"end":896.275},{"sentences":[{"text":"Correct.","start":896.275,"end":896.775,"sentiment":"neutral","sentiment_score":0.0865570455789566},{"text":"Yeah.","start":923.45496,"end":923.935,"sentiment":"neutral","sentiment_score":0.05791424959897995},{"text":"So it sounds like he's been fully worked up on this kind of stuff.","start":923.935,"end":928.815,"sentiment":"neutral","sentiment_score":0.14438900724053383},{"text":"So there's no hiding it it sounds all good, but the report's gonna be really key for both of those last two conditions to make sure that everything basically led back to stress and that there was no underlying conditions that that that were associated for what they're investigating.","start":928.815,"end":947.51,"sentiment":"neutral","sentiment_score":0.03848613262632672},{"text":"Excellent.","start":954.555,"end":955.055,"sentiment":"positive","sentiment_score":0.8438477516174316}],"sentiment":"neutral","sentiment_score":0.07417554010383108,"num_words":66,"start":896.275,"end":955.055},{"sentences":[{"text":"No worries.","start":959.195,"end":959.915,"sentiment":"positive","sentiment_score":0.4403922110795975},{"text":"Alright.","start":959.915,"end":960.235,"sentiment":"positive","sentiment_score":0.4381437301635742},{"text":"Thanks for that.","start":960.235,"end":961.135,"sentiment":"positive","sentiment_score":0.7721117536226908},{"text":"Cheers.","start":962.15497,"end":962.635,"sentiment":"positive","sentiment_score":0.5245315432548523},{"text":"Bye.","start":962.635,"end":963.135,"sentiment":"neutral","sentiment_score":-0.0796557143330574}],"sentiment":"positive","sentiment_score":0.5100174052640796,"num_words":8,"start":959.195,"end":963.135}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Your underwriter is currently on another call. If you would like them to call you back, please press 1. Otherwise, please hold the line, and we will transfer you to the next available representative. Please note this call will be recorded for quality, training, and assurance purposes. MetLife is committed to protecting your privacy and handling personal information in accordance with the privacy act nineteen eighty eight.\n\nFor information on MetLife's privacy policy, such as how we collect, use, handle, and disclose personal information, visit our website at www.netlife.com.au. All our representatives are currently on other calls. Please hold the line, and we will be with you as soon as possible. You are the next caller in the Midlife Underwriting. Mark speaking.\n\nChannel 0: Hi, Mark. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Oh, not too bad. Yourself?\n\nChannel 0: Yeah. I'm good. Thanks. I'm just hoping to do a bit of an occupation and a medical pre assessment, please.\n\nChannel 1: Are you going for it? What have we got?\n\nChannel 0: So so if I start with occupation, I have a investment analyst for hedge\n\nChannel 1: Yeah.\n\nChannel 0: fund. Now when it comes to income, it does vary quite a bit because they do get quite a lot of bonuses. Now for this year, base income is about $1.90, and\n\nChannel 1: Yep.\n\nChannel 0: then bonus is very consistent. So the client's been with the company for seven years, and\n\nChannel 1: Yep.\n\nChannel 0: each year, there is a bonus. But it does increase each year because it's a percentage of the base. Basically, this financial year, the total package is about 265,000. Last year, it was $2.02 $0.08. And then for next financial year, they estimated around 321.\n\nSo it does go up quite quite a lot each year.\n\nChannel 1: Yeah. Okay. So so in short, we've got no dramas ensuring so it's a cash bonus. Is that correct?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah. So we've got no dramas, especially for that field because we're, like you mentioned, commissions or bonuses are commonplace. So we've got no dramas ensuring that component\n\nChannel 0: Yep.\n\nChannel 1: of the income on the provider that it's consistent. The\n\nChannel 0: Yep.\n\nChannel 1: only the only kicker that you've got or what I'm not a 100% clear on is the is the the the bonuses being a percentage a percentage amount, I e,\n\nChannel 0: Yep.\n\nChannel 1: does that does that if the client was unable to work, would that bonus cease, or would he continue to earn it regardless based on that formula of it being a percentage of the base?\n\nChannel 0: It would be ceased because it would be based on my performance. So, obviously, if you're not working\n\nChannel 1: That's fine. Yeah. As long\n\nChannel 0: yeah.\n\nChannel 1: as it's not like a trail commission like a mortgage broker where\n\nChannel 0: No.\n\nChannel 1: you get this wicked tails. So that that's fine.\n\nChannel 0: Yeah.\n\nChannel 1: So the the second thing is so the the only con because his income's gonna go\n\nChannel 0: Yes.\n\nChannel 1: up by about, what, just under just over 55 grands this year. What what are you looking to ensure?\n\nChannel 0: Well, I was going to see if there was any restrictions on how much we can do,\n\nChannel 1: Yeah.\n\nChannel 0: like,\n\nChannel 1: So\n\nChannel 0: for\n\nChannel 1: where\n\nChannel 0: financials\n\nChannel 1: yeah.\n\nChannel 0: and stuff.\n\nChannel 1: So, I mean, where we'd be sitting is, preferably, we'd be looking at ensuring the 265.\n\nChannel 0: Yep. Because that's\n\nChannel 1: Just\n\nChannel 0: this year. Yeah.\n\nChannel 1: that's what he's currently earning. So that would give\n\nChannel 0: Yep.\n\nChannel 1: you a monthly a monthly benefit of just over $15.\n\nChannel 0: Yep.\n\nChannel 1: And, occupationally, the client's easily gonna meet criteria for a professional rating.\n\nChannel 0: Yep. Perfect. And do\n\nChannel 1: So\n\nChannel 0: you have\n\nChannel 1: just\n\nChannel 0: any what's your limit for requiring, obviously, financials and stuff for IP amount?\n\nChannel 1: so I'd like basically, it's up to $20, so we don't need\n\nChannel 0: Okay.\n\nChannel 1: it.\n\nChannel 0: Okay.\n\nChannel 1: And the the application will ask you the valid questions saying, what was your income last year? What's your income this year?\n\nChannel 0: Yep.\n\nChannel 1: And then it will ask it may flag with underwriting. But if that's the case, we can just send you guys through a quick email to go through what you've detailed over the phone, and there's not gonna\n\nChannel 0: Yep.\n\nChannel 1: be any issues.\n\nChannel 0: Yep. Beautiful. That's great.\n\nChannel 1: Cool beans.\n\nChannel 0: Now health wise, there are a couple of things I do wanna just check with you. Now the first thing is IBS. So let me just see here. The client Let me see here. I'm sorry.\n\nJust trying to find the information.\n\nChannel 1: No. You're wrong.\n\nChannel 0: Now he had, yeah, IVR in about 2003. So, like, a little bit of stomach issues, not on any current medication or treatment, never had surgery or anything like that. Would that be an issue?\n\nChannel 1: No. So, like, if so if it's all the way back and what's the current status? Is it ongoing or resolved?\n\nChannel 0: Resolved.\n\nChannel 1: Yeah. That'll be fine. Well, like,\n\nChannel 0: Okay.\n\nChannel 1: it was don't don't these years ago. The only red flag would be if there's, like, a mental health history, because IBS can be associated with any number of conditions, and stress can be one of them. But if he's had no dramas for the last twenty odd years, that's not gonna cause you any issues.\n\nChannel 0: Yeah. There is mental health. So let me just get it up for you. So there is anxiety with panic attacks. Now let me see here so I can get the information.\n\nSorry. Just bear with me. So first had symptoms in 2018. Minor symptoms. He did see a doctor, like a GP, in the last five years and was prescribed Valium for it.\n\nSo it wasn't too bad. So just Valium, which would be more so for situations because that seemed to be more triggering, like, if you're on a plane or a boat and stuff like that. So the doctor just prescribed Valium to be used if that was ever a situation, but the client didn't actually take any of it. He didn't need to. It was more just like a a backup if that presented itself.\n\nSo no, like, regular medication otherwise. They're quite minor.\n\nChannel 1: And the symptoms are ongoing.\n\nChannel 0: Yes. So small minor symptoms. Doesn't obviously restrict work at all and no medications or anything like that. Just feeling a little bit anxious every now and then, but not enough to warrant going on medication or anything like that.\n\nChannel 1: Yeah. So where we're gonna be is because I'm a shit like, we're gonna be looking at it sounds like decent levels of cover. More than likely,\n\nChannel 0: Yep.\n\nChannel 1: you're gonna be looking at a doctor's report, but the end outcome should be life and trauma standard IP TBD with a mental health exclusion.\n\nChannel 0: Yep. And for time frames, is that five years without any symptoms, typically?\n\nChannel 1: It typically is, but the thing you've gotta be mindful of with mental health is review periods can really be dictated by the duration of symptoms.\n\nChannel 0: Yes.\n\nChannel 1: So what I mean by that is, let's say, you went through a divorce or your dog died or you know, and and you're upset for, you know, six months. It's all reactive. Those are the ones that are much easier to review. Whereas if you've got a history of panic attacks and\n\nChannel 0: Yep.\n\nChannel 1: anxiety and they date back to 2018, we're in 2026. Now\n\nChannel 0: Yep.\n\nChannel 1: so that that and and I get the fact he's not on any medication, but it's still an eight year history. So,\n\nChannel 0: Yep.\n\nChannel 1: like, on face value, five years treatment and symptom free is generally\n\nChannel 0: Yep.\n\nChannel 1: what we look at, but I do think you need to be mindful that that's gonna be subject to full doctor's reports because it's a history dictates that it's something that's been present for for many, many years opposed\n\nChannel 0: Yep.\n\nChannel 1: to a reactive event where that the trigger gets removed and and therefore the risk totally removes for us.\n\nChannel 0: Yep. No. That totally makes sense. Alright. Perfect.\n\nNow the other thing is so sorry. So, obviously, with that information, does that impact the IBS at all?\n\nChannel 1: Well, no. To be honest, it actually makes it but IBS shouldn't have been an issue anyway.\n\nChannel 0: Correct.\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: but in saying that, like, it's given we're excluding men mental health for valid reasons being the anxiety,\n\nChannel 0: Yep.\n\nChannel 1: it it almost makes it probably a little bit easier because one of the causes, like I said, can be anxiety stress, and we're excluding that risk anyway. So that that's that's fine.\n\nChannel 0: Yeah. Okay. Perfect. Now the other thing is just a bit of a bad batch. Now it started in let me see here.\n\nAround 2015. Last symptom was last year. No, like, a diagnosis for anything. Like, there's no medical diagnosis or anything. No surgery.\n\nHad physio physio and chiropractic treatment for it. Last physio was about eight months ago, so don't need, like, regular treatment for it. When he was younger, so when he was first kind of diagnosed, he did have steroid injections to help with the pain. And that was mainly just because he was playing sports like golf quite competitively, and that was just trying to help with it. He's\n\nChannel 1: Yeah.\n\nChannel 0: no\n\nChannel 1: That's\n\nChannel 0: longer doing that.\n\nChannel 1: that's fine. So\n\nChannel 0: Yep.\n\nChannel 1: as like, it's we're we're excluding it, but,\n\nChannel 0: Yep.\n\nChannel 1: like, is it limited just the lower back, or is it mid spine? Or\n\nChannel 0: Also, upper back.\n\nChannel 1: yeah. So we're definitely looking at a back exclusion. We're just gonna\n\nChannel 0: Yeah.\n\nChannel 1: need some clearer details on the application as to whether or not that's gonna be a full spine or if it can be limited\n\nChannel 0: Mhmm.\n\nChannel 1: to a certain area of the spine. If it's the upper thoracic spine, it's which is two parts, that's when you can be looking at a full spine.\n\nChannel 0: Mhmm. Okay. Perfect. And would that ever be reviewable or no?\n\nChannel 1: I I think based on what you're telling me, the the short answer would be no. And\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: I\n\nChannel 1: reason\n\nChannel 0: thought\n\nChannel 1: why I\n\nChannel 0: so.\n\nChannel 1: say that, like, you've had cortisone injections, It's not debilitating, but it's there or thereabouts.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: that that that, like, permanent exclusion if something changes after five years, happy to review. But I think that's highly\n\nChannel 0: Yeah.\n\nChannel 1: unlikely.\n\nChannel 0: Yep. Perfect. And with the back as well, so kind of at the same time, but only in 2015 was bulging disc as well, kind of from the same thing,\n\nChannel 1: That's\n\nChannel 0: same\n\nChannel 1: fine.\n\nChannel 0: treatment.\n\nChannel 1: The back it's it's gonna\n\nChannel 0: Yeah.\n\nChannel 1: cut, like, the back exclusion is gonna cover us,\n\nChannel 0: Okay.\n\nChannel 1: so that's fine.\n\nChannel 0: Yep. Perfect. Now there is two more things that Klein mentioned, but I'd having a look at the application, I don't really see where it fits in. So I do wanna check it. Sorry.\n\nBecause in the application, there is a question where it is if you've ever experienced any symptoms of it. And that was high cortisol. The doctors thought that it may be high cortisol, but they did, like, a test and everything. And this was back in 2019, and it came so there was a blood test done to see if it was high cortisol, and the test didn't show anything. So the test was all fine.\n\nChannel 1: Yeah. That should be fine, but we're definitely gonna need a doctor's report.\n\nChannel 0: Yep. And that\n\nChannel 1: I mean,\n\nChannel 0: was\n\nChannel 1: that\n\nChannel 0: all to tryna determine, like, in regards to the anxiety, like,\n\nChannel 1: yeah.\n\nChannel 0: what was kind of\n\nChannel 1: So,\n\nChannel 0: triggering.\n\nChannel 1: correct. So high cortisol can be\n\nChannel 0: Yeah.\n\nChannel 1: attributed stress, but it can also be\n\nChannel 0: Yep.\n\nChannel 1: associated with cushions and pituitary tumors, all that kind of thing. So we'd need to do our due diligence just to make sure that\n\nChannel 0: Yep.\n\nChannel 1: the any any nasties were fully excluded.\n\nChannel 0: Yep. And just like the doctor's report to show that would be sufficient?\n\nChannel 1: Well, correct. Exactly\n\nChannel 0: Yep.\n\nChannel 1: right. So yeah. Correct.\n\nChannel 0: Okay. And that was the same with human growth hormone. It was kind of in the the same time. They thought that maybe it was a human growth hormone to kinda work out the reasoning behind, like, the anxiety. Again, did test and showed that there was like, the human growth hormone was normal according to blood test and everything like that.\n\nChannel 1: Yeah. So it sounds like he's been fully worked up on this\n\nChannel 0: Yep.\n\nChannel 1: kind of stuff. So there's no hiding it it sounds all good, but the report's\n\nChannel 0: Yep.\n\nChannel 1: gonna be really key for both of those last two conditions\n\nChannel 0: Yep.\n\nChannel 1: to make sure that everything basically led back to stress and\n\nChannel 0: Yep.\n\nChannel 1: that there was no underlying conditions that that that were associated for what they're investigating.\n\nChannel 0: Yep. Yep. Beautiful. Perfect. And that was everything.\n\nChannel 1: Excellent.\n\nChannel 0: Great. Well, thank you so much for your help today, Mark. I really appreciate it.\n\nChannel 1: No worries. Alright. Thanks for that.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Your underwriter is currently on another call.","start":1.12,"end":3.78,"sentiment":"neutral","sentiment_score":-0.13561247502054488},{"text":"If you would like them to call you back, please press 1.","start":3.84,"end":6.98,"sentiment":"neutral","sentiment_score":-0.05850469786673784},{"text":"Otherwise, please hold the line, and we will transfer you to the next available representative.","start":7.44,"end":11.62,"sentiment":"neutral","sentiment_score":-0.05497444247206052},{"text":"Please note this call will be recorded for quality, training, and assurance purposes.","start":18.175,"end":22.595001,"sentiment":"neutral","sentiment_score":-0.059814708737226635},{"text":"MetLife is committed to protecting your privacy and handling personal information in accordance with the privacy act nineteen eighty 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have","start":266.61002,"end":266.93,"sentiment":"neutral","sentiment_score":0.05686976760625839}],"sentiment":"neutral","sentiment_score":0.05686976760625839,"channel":0,"num_words":2,"start":266.61002,"end":266.93},{"sentences":[{"text":"just","start":266.845,"end":267.345,"sentiment":"neutral","sentiment_score":0.08732236176729202}],"sentiment":"neutral","sentiment_score":0.08732236176729202,"channel":1,"num_words":1,"start":266.845,"end":267.345},{"sentences":[{"text":"any what's your limit for requiring, obviously, financials and stuff for IP amount?","start":266.93,"end":272.63,"sentiment":"neutral","sentiment_score":0.024430111050605774}],"sentiment":"neutral","sentiment_score":0.024430111050605774,"channel":0,"num_words":13,"start":266.93,"end":272.63},{"sentences":[{"text":"so I'd like basically, it's up to $20, so we don't 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ask you the valid questions saying, what was your income last year?","start":278.37,"end":284.05002,"sentiment":"neutral","sentiment_score":0.017770781510454768},{"text":"What's your income this year?","start":284.05002,"end":285.67,"sentiment":"neutral","sentiment_score":0.0032125902129337192}],"sentiment":"neutral","sentiment_score":0.014462101670109074,"channel":1,"num_words":22,"start":278.37,"end":285.67},{"sentences":[{"text":"Yep.","start":286.4,"end":286.9,"sentiment":"neutral","sentiment_score":0.03171630576252937}],"sentiment":"neutral","sentiment_score":0.03171630576252937,"channel":0,"num_words":1,"start":286.4,"end":286.9},{"sentences":[{"text":"And then it will ask it may flag with underwriting.","start":286.53,"end":291.03,"sentiment":"neutral","sentiment_score":-0.002946433611214161},{"text":"But if that's the case, we can just send you guys through a quick email to go through what you've detailed over the phone, and there's not 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had, yeah, IVR in about 2003.","start":356.745,"end":362.78,"sentiment":"neutral","sentiment_score":-0.06712404545396566},{"text":"So, like, a little bit of stomach issues, not on any current medication or treatment, never had surgery or anything like that.","start":365.0,"end":373.58,"sentiment":"neutral","sentiment_score":-0.18542725863781842},{"text":"Would that be an issue?","start":375.96,"end":377.18,"sentiment":"neutral","sentiment_score":-0.14620682299137117}],"sentiment":"neutral","sentiment_score":-0.15278360481773104,"channel":0,"num_words":35,"start":356.745,"end":377.18},{"sentences":[{"text":"No.","start":379.725,"end":380.225,"sentiment":"neutral","sentiment_score":-0.14459344744682312},{"text":"So, like, if so if it's all the way back and what's the current status?","start":380.36502,"end":384.70502,"sentiment":"neutral","sentiment_score":-0.10350183943907419},{"text":"Is it ongoing or resolved?","start":384.765,"end":386.46503,"sentiment":"neutral","sentiment_score":-0.11718301326036454}],"sentiment":"neutral","sentiment_score":-0.10871600501594089,"channel":1,"num_words":21,"start":379.725,"end":386.46503},{"sentences":[{"text":"Resolved.","start":388.645,"end":389.145,"sentiment":"neutral","sentiment_score":-0.016961948946118355}],"sentiment":"neutral","sentiment_score":-0.016961948946118355,"channel":0,"num_words":1,"start":388.645,"end":389.145},{"sentences":[{"text":"Yeah.","start":389.89,"end":390.13,"sentiment":"neutral","sentiment_score":0.12364880740642548},{"text":"That'll be fine.","start":390.13,"end":391.11002,"sentiment":"neutral","sentiment_score":0.24628916879494986},{"text":"Well, 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opposed","start":600.305,"end":614.54004,"sentiment":"neutral","sentiment_score":-0.15274416024868304}],"sentiment":"neutral","sentiment_score":-0.15274416024868304,"channel":1,"num_words":39,"start":600.305,"end":614.54004},{"sentences":[{"text":"Yep.","start":614.135,"end":614.635,"sentiment":"neutral","sentiment_score":-0.14925293624401093}],"sentiment":"neutral","sentiment_score":-0.14925293624401093,"channel":0,"num_words":1,"start":614.135,"end":614.635},{"sentences":[{"text":"to a reactive event where that the trigger gets removed and and therefore the risk totally removes for us.","start":614.54004,"end":621.36,"sentiment":"neutral","sentiment_score":-0.2091605447624859}],"sentiment":"neutral","sentiment_score":-0.2091605447624859,"channel":1,"num_words":19,"start":614.54004,"end":621.36},{"sentences":[{"text":"Yep.","start":621.91,"end":622.31,"sentiment":"neutral","sentiment_score":-0.026034977287054065},{"text":"No.","start":622.31,"end":622.47,"sentiment":"neutral","sentiment_score":-0.05682400241494179},{"text":"That totally makes sense.","start":622.47,"end":623.93,"sentiment":"neutral","sentiment_score":0.011682869866490364},{"text":"Alright.","start":624.87,"end":625.37,"sentiment":"neutral","sentiment_score":0.16771356761455536},{"text":"Perfect.","start":625.51,"end":626.01,"sentiment":"neutral","sentiment_score":0.25440317392349243}],"sentiment":"neutral","sentiment_score":0.048248655162751675,"channel":0,"num_words":8,"start":621.91,"end":626.01},{"sentences":[{"text":"Now the other thing is so 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that","start":883.12006,"end":886.48004,"sentiment":"neutral","sentiment_score":-0.1362704153244312}],"sentiment":"neutral","sentiment_score":-0.1555993538349867,"channel":1,"num_words":24,"start":878.56,"end":886.48004},{"sentences":[{"text":"Yep.","start":886.27997,"end":886.77997,"sentiment":"neutral","sentiment_score":-0.1282247006893158}],"sentiment":"neutral","sentiment_score":-0.1282247006893158,"channel":0,"num_words":1,"start":886.27997,"end":886.77997},{"sentences":[{"text":"the any any nasties were fully excluded.","start":886.48004,"end":888.9,"sentiment":"neutral","sentiment_score":-0.1779685424906867}],"sentiment":"neutral","sentiment_score":-0.1779685424906867,"channel":1,"num_words":7,"start":886.48004,"end":888.9},{"sentences":[{"text":"Yep.","start":889.8,"end":890.3,"sentiment":"neutral","sentiment_score":-0.01984965428709984},{"text":"And just like the doctor's report to show that would be sufficient?","start":890.44,"end":893.58,"sentiment":"neutral","sentiment_score":-0.01642419785882036}],"sentiment":"neutral","sentiment_score":-0.01668769450714955,"channel":0,"num_words":13,"start":889.8,"end":893.58},{"sentences":[{"text":"Well, correct.","start":893.23505,"end":893.97504,"sentiment":"neutral","sentiment_score":0.049249397590756416},{"text":"Exactly","start":894.275,"end":894.775,"sentiment":"neutral","sentiment_score":0.07938572764396667}],"sentiment":"neutral","sentiment_score":0.0592948409418265,"channel":1,"num_words":3,"start":893.23505,"end":894.775},{"sentences":[{"text":"Yep.","start":894.44,"end":894.94,"sentiment":"neutral","sentiment_score":0.07969216257333755}],"sentiment":"neutral","sentiment_score":0.07969216257333755,"channel":0,"num_words":1,"start":894.44,"end":894.94},{"sentences":[{"text":"right.","start":894.91504,"end":895.41504,"sentiment":"neutral","sentiment_score":0.089850053191185},{"text":"So yeah.","start":895.555,"end":896.275,"sentiment":"neutral","sentiment_score":0.07564220204949379},{"text":"Correct.","start":896.275,"end":896.775,"sentiment":"neutral","sentiment_score":0.0865570455789566}],"sentiment":"neutral","sentiment_score":0.0819228757172823,"channel":1,"num_words":4,"start":894.91504,"end":896.775},{"sentences":[{"text":"Okay.","start":897.495,"end":897.995,"sentiment":"neutral","sentiment_score":0.042419418692588806},{"text":"And that was the same with human growth hormone.","start":898.135,"end":901.755,"sentiment":"neutral","sentiment_score":0.007484669279721048},{"text":"It was kind of in the the same time.","start":902.295,"end":904.695,"sentiment":"neutral","sentiment_score":-0.014108337668908967},{"text":"They thought that maybe it was a human growth hormone to kinda work out the reasoning behind, like, the anxiety.","start":904.695,"end":914.54004,"sentiment":"neutral","sentiment_score":-0.028559894673526286},{"text":"Again, did test and showed that there was like, the human growth hormone was normal according to blood test and everything like that.","start":915.16003,"end":922.86005,"sentiment":"neutral","sentiment_score":0.0033232491139484487}],"sentiment":"neutral","sentiment_score":-0.008257367107416353,"channel":0,"num_words":62,"start":897.495,"end":922.86005},{"sentences":[{"text":"Yeah.","start":923.45496,"end":923.935,"sentiment":"neutral","sentiment_score":0.05791424959897995},{"text":"So it sounds like he's been fully worked up on this","start":923.935,"end":928.015,"sentiment":"neutral","sentiment_score":0.16443362087011337}],"sentiment":"neutral","sentiment_score":0.15555700659751892,"channel":1,"num_words":12,"start":923.45496,"end":928.015},{"sentences":[{"text":"Yep.","start":927.815,"end":928.315,"sentiment":"neutral","sentiment_score":0.08805155754089355}],"sentiment":"neutral","sentiment_score":0.08805155754089355,"channel":0,"num_words":1,"start":927.815,"end":928.315},{"sentences":[{"text":"kind of stuff.","start":928.015,"end":928.815,"sentiment":"neutral","sentiment_score":0.07089209059874217},{"text":"So there's no hiding it it sounds all good, but the report's","start":928.815,"end":932.89496,"sentiment":"neutral","sentiment_score":0.10561512410640717}],"sentiment":"neutral","sentiment_score":0.09867051740487416,"channel":1,"num_words":15,"start":928.015,"end":932.89496},{"sentences":[{"text":"Yep.","start":932.855,"end":933.355,"sentiment":"neutral","sentiment_score":0.06289815157651901}],"sentiment":"neutral","sentiment_score":0.06289815157651901,"channel":0,"num_words":1,"start":932.855,"end":933.355},{"sentences":[{"text":"gonna be really key for both of those last two conditions","start":932.89496,"end":936.63,"sentiment":"neutral","sentiment_score":0.09647956693714316}],"sentiment":"neutral","sentiment_score":0.09647956693714316,"channel":1,"num_words":11,"start":932.89496,"end":936.63},{"sentences":[{"text":"Yep.","start":937.67,"end":938.17,"sentiment":"neutral","sentiment_score":0.03383806347846985}],"sentiment":"neutral","sentiment_score":0.03383806347846985,"channel":0,"num_words":1,"start":937.67,"end":938.17},{"sentences":[{"text":"to make sure that everything basically led back to stress and","start":937.73004,"end":942.13,"sentiment":"neutral","sentiment_score":-0.029314113611524754}],"sentiment":"neutral","sentiment_score":-0.029314113611524754,"channel":1,"num_words":11,"start":937.73004,"end":942.13},{"sentences":[{"text":"Yep.","start":941.83,"end":942.33,"sentiment":"neutral","sentiment_score":-0.01849279552698135}],"sentiment":"neutral","sentiment_score":-0.01849279552698135,"channel":0,"num_words":1,"start":941.83,"end":942.33},{"sentences":[{"text":"that there was no underlying conditions that that that were associated for what they're investigating.","start":942.13,"end":947.51,"sentiment":"neutral","sentiment_score":-0.00802539847791195}],"sentiment":"neutral","sentiment_score":-0.00802539847791195,"channel":1,"num_words":15,"start":942.13,"end":947.51},{"sentences":[{"text":"Yep.","start":948.965,"end":949.28503,"sentiment":"neutral","sentiment_score":0.0136664267629385},{"text":"Yep.","start":949.28503,"end":949.765,"sentiment":"neutral","sentiment_score":0.2021847367286682},{"text":"Beautiful.","start":949.765,"end":950.265,"sentiment":"positive","sentiment_score":0.8226111531257629},{"text":"Perfect.","start":950.405,"end":950.905,"sentiment":"positive","sentiment_score":0.8314141035079956},{"text":"And that was everything.","start":951.84503,"end":953.22504,"sentiment":"positive","sentiment_score":0.7846294194459915}],"sentiment":"positive","sentiment_score":0.6260492622386664,"channel":0,"num_words":8,"start":948.965,"end":953.22504},{"sentences":[{"text":"Excellent.","start":954.555,"end":955.055,"sentiment":"positive","sentiment_score":0.8438477516174316}],"sentiment":"positive","sentiment_score":0.8438477516174316,"channel":1,"num_words":1,"start":954.555,"end":955.055},{"sentences":[{"text":"Great.","start":955.85895,"end":956.17896,"sentiment":"positive","sentiment_score":0.8506683111190796},{"text":"Well, thank you so much for your help today, Mark.","start":956.17896,"end":957.85895,"sentiment":"positive","sentiment_score":0.8346939980983734},{"text":"I really appreciate it.","start":957.85895,"end":959.079,"sentiment":"positive","sentiment_score":0.8554824441671371}],"sentiment":"positive","sentiment_score":0.8413025379180908,"channel":0,"num_words":15,"start":955.85895,"end":959.079},{"sentences":[{"text":"No worries.","start":959.195,"end":959.915,"sentiment":"positive","sentiment_score":0.4403922110795975},{"text":"Alright.","start":959.915,"end":960.235,"sentiment":"positive","sentiment_score":0.4381437301635742},{"text":"Thanks for that.","start":960.235,"end":961.135,"sentiment":"positive","sentiment_score":0.7721117536226908}],"sentiment":"positive","sentiment_score":0.605877235531807,"channel":1,"num_words":6,"start":959.195,"end":961.135},{"sentences":[{"text":"Thanks.","start":961.37897,"end":961.87897,"sentiment":"positive","sentiment_score":0.6983461380004883},{"text":"Bye.","start":961.93896,"end":962.43896,"sentiment":"positive","sentiment_score":0.4302252233028412}],"sentiment":"positive","sentiment_score":0.5642856806516647,"channel":0,"num_words":2,"start":961.37897,"end":962.43896},{"sentences":[{"text":"Cheers.","start":962.15497,"end":962.635,"sentiment":"positive","sentiment_score":0.5245315432548523},{"text":"Bye.","start":962.635,"end":963.135,"sentiment":"neutral","sentiment_score":-0.0796557143330574}],"sentiment":"neutral","sentiment_score":0.22243791446089745,"channel":1,"num_words":2,"start":962.15497,"end":963.135}]},"summary":{"result":"success","short":"The customer is waiting for a representative and is informed that MetLife is committed to protecting their privacy and handling personal information. They are transferred to another representative who discusses their insurance and retirement plans. They also discuss the possibility of restrictions on the policy and the client's health issues including anxiety and panic attacks. The speaker emphasizes the importance of reviewing the client's medical history and risk tolerance for the application and clarifies that mental health exclusion may be determined by the duration of symptoms. They also mention that a doctor's report is needed to confirm the exclusion."},"intents":{"segments":[{"text":"only the only kicker that you've got or what I'm not a 100% clear on is the is the the the bonuses being a percentage a percentage amount, I e, Yep. does that does that if the client was unable to work, would that bonus cease, or would he continue to earn it regardless based on that formula of it being a percentage of the base?","start_word":350,"end_word":415,"intents":[{"intent":"Explain bonus limits and restrictions on earning for bonuses","confidence_score":1.5657194e-9}]},{"text":"Now health wise, there are a couple of things I do wanna just check with you.","start_word":688,"end_word":703,"intents":[{"intent":"Check health","confidence_score":0.29130554}]},{"text":"Now health wise, there are a couple of things I do wanna just check with you. Now the first thing is IBS. So let me just see here. The client Let me see here. I'm sorry. Just trying to find the information. No.","start_word":688,"end_word":730,"intents":[{"intent":"Provide information","confidence_score":0.4379867}]},{"text":"Just trying to find the information. No.","start_word":723,"end_word":729,"intents":[{"intent":"Find information","confidence_score":0.89918065},{"intent":"Find information","confidence_score":0.13771372},{"intent":"Find information","confidence_score":0.03552971}]},{"text":"So, like, if so if it's all the way back and what's the current status? Is it ongoing or resolved? Resolved.","start_word":768,"end_word":788,"intents":[{"intent":"Resolve status","confidence_score":0.021193469}]},{"text":"So the doctor just prescribed Valium to be used if that was ever a situation, but the client didn't actually take any of it. He didn't need to. It was more just like a a backup if that presented itself. So no, like, regular medication otherwise. They're quite minor.","start_word":951,"end_word":999,"intents":[{"intent":"Provide medication advice","confidence_score":0.0023435575}]},{"text":"you're gonna be looking at a doctor's report, but the end outcome should be life and trauma standard IP TBD with a mental health exclusion.","start_word":1073,"end_word":1097,"intents":[{"intent":"Evaluate mental health coverage","confidence_score":0.10601858}]},{"text":"Had physio physio and chiropractic treatment for it. Last physio was about eight months ago, so don't need, like, regular treatment for it. When he was younger, so when he was first kind of diagnosed, he did have steroid injections to help with the pain. And that was mainly just because he was playing sports like golf quite competitively, and that was just trying to help with it. He's Yeah.","start_word":1443,"end_word":1512,"intents":[{"intent":"Discuss covid-19 treatment","confidence_score":0.0023666355}]},{"text":"When he was younger, so when he was first kind of diagnosed, he did have steroid injections to help with the pain. And that was mainly just because he was playing sports like golf quite competitively, and that was just trying to help with it. He's Yeah.","start_word":1466,"end_word":1512,"intents":[{"intent":"Discuss steroid injections","confidence_score":0.025626227}]},{"text":"need some clearer details on the application as to whether or not that's gonna be a full spine or if it can be limited Mhmm.","start_word":1561,"end_word":1585,"intents":[{"intent":"Discuss application details","confidence_score":0.09571705},{"intent":"Discuss possible application","confidence_score":0.005895973},{"intent":"Clarify case details","confidence_score":0.00011515949}]},{"text":"And would that ever be reviewable or no?","start_word":1617,"end_word":1624,"intents":[{"intent":"Review potential application","confidence_score":0.00009180799}]},{"text":"the I reason thought why I so. say that, like, you've had cortisone injections, It's not debilitating, but it's there or thereabouts. Yep.","start_word":1643,"end_word":1665,"intents":[{"intent":"Discuss potential side effects","confidence_score":0.006326243}]},{"text":"unlikely.","start_word":1689,"end_word":1689,"intents":[{"intent":"Confirm symptom severity","confidence_score":0.00007820505}]},{"text":"And with the back as well, so kind of at the same time, but only in 2015 was bulging disc as well, kind of from the same thing, That's same fine.","start_word":1692,"end_word":1722,"intents":[{"intent":"Discuss scintillation","confidence_score":0.000005345215}]},{"text":"Now there is two more things that Klein mentioned, but I'd having a look at the application, I don't really see where it fits in. So I do wanna check it.","start_word":1745,"end_word":1775,"intents":[{"intent":"Check application","confidence_score":0.72098774}]},{"text":"Because in the application, there is a question where it is if you've ever experienced any symptoms of it.","start_word":1777,"end_word":1795,"intents":[{"intent":"Determine symptoms","confidence_score":0.34420198}]},{"text":"That should be fine, but we're definitely gonna need a doctor's report. Yep.","start_word":1854,"end_word":1866,"intents":[{"intent":"Request doctor's report","confidence_score":0.011253417}]},{"text":"So high cortisol can be Yeah. attributed stress, but it can also be Yep. associated with cushions and pituitary tumors, all that kind of thing. So we'd need to do our due diligence just to make sure that Yep. the any any nasties were fully excluded. Yep.","start_word":1892,"end_word":1938,"intents":[{"intent":"Identify correlations","confidence_score":0.00014891977}]}]},"sentiments":{"segments":[{"text":"Your underwriter is currently on another call. If you would like them to call you back, please press 1. Otherwise, please hold the line, and we will transfer you to the next available representative. Please note this call will be recorded for quality, training, and assurance purposes. MetLife is committed to protecting your privacy and handling personal information in accordance with the privacy act nineteen eighty eight. For information on MetLife's privacy policy, such as how we collect, use, handle, and disclose personal information, visit our website at www.netlife.com.au. All our representatives are currently on other calls. Please hold the line, and we will be with you as soon as possible. You are the next caller in the Midlife Underwriting. Mark speaking. Hi, Mark. This is Veronica from Oakview Financial. How are you? Oh, not too bad. Yourself? Yeah.","start_word":0,"end_word":138,"sentiment":"neutral","sentiment_score":-0.004859046544879675},{"text":"I'm good. Thanks.","start_word":139,"end_word":141,"sentiment":"positive","sentiment_score":0.5806776881217957},{"text":"I'm just hoping to do a bit of an occupation and a medical pre assessment, please. Are you going for it? What have we got? So so if I start with occupation, I have a investment analyst for hedge Yeah. fund. Now when it comes to income, it does vary quite a bit because they do get quite a lot of bonuses. Now for this year, base income is about $1.90, and Yep. then bonus is very consistent. So the client's been with the company for seven years, and Yep. each year, there is a bonus. But it does increase each year because it's a percentage of the base. Basically, this financial year, the total package is about 265,000. Last year, it was $2.02 $0.08. And then for next financial year, they estimated around 321. So it does go up quite quite a lot each year. Yeah. Okay. So so in short, we've got no dramas ensuring so it's a cash bonus. Is that correct? Correct. Yes. Yeah. So we've got no dramas, especially for that field because we're, like you mentioned, commissions or bonuses are commonplace. So we've got no dramas ensuring that component Yep. of the income on the provider that it's consistent. The Yep. only the only kicker that you've got or what I'm not a 100% clear on is the is the the the bonuses being a percentage a percentage amount, I e, Yep. does that does that if the client was unable to work, would that bonus cease, or would he continue to earn it regardless based on that formula of it being a percentage of the base? It would be ceased because it would be based on my performance. So, obviously, if you're not working That's fine. Yeah. As long yeah. as it's not like a trail commission like a mortgage broker where No. you get this wicked tails. So that that's fine. Yeah. So the the second thing is so the the only con because his income's gonna go Yes. up by about, what, just under just over 55 grands this year. What what are you looking to ensure? Well, I was going to see if there was any restrictions on how much we can do, Yeah. like, So for where financials yeah. and stuff. So, I mean, where we'd be sitting is, preferably, we'd be looking at ensuring the 265. Yep. Because that's Just this year. Yeah. that's what he's currently earning. So that would give Yep. you a monthly a monthly benefit of just over $15. Yep. And, occupationally, the client's easily gonna meet criteria for a professional rating. Yep.","start_word":142,"end_word":580,"sentiment":"neutral","sentiment_score":0.07878653134870638},{"text":"Perfect.","start_word":581,"end_word":581,"sentiment":"positive","sentiment_score":0.39891648292541504},{"text":"And do So you have just any what's your limit for requiring, obviously, financials and stuff for IP amount? so I'd like basically, it's up to $20, so we don't need Okay. it. Okay. And the the application will ask you the valid questions saying, what was your income last year? What's your income this year? Yep. And then it will ask it may flag with underwriting. But if that's the case, we can just send you guys through a quick email to go through what you've detailed over the phone, and there's not gonna Yep. be any issues. Yep.","start_word":582,"end_word":681,"sentiment":"neutral","sentiment_score":0.028275299817323685},{"text":"Beautiful. That's great. Cool beans.","start_word":682,"end_word":686,"sentiment":"positive","sentiment_score":0.6928600668907166},{"text":"Now health wise, there are a couple of things I do wanna just check with you. Now the first thing is IBS. So let me just see here. The client Let me see here. I'm sorry. Just trying to find the information. No. You're wrong. Now he had, yeah, IVR in about 2003. So, like, a little bit of stomach issues, not on any current medication or treatment, never had surgery or anything like that. Would that be an issue? No. So, like, if so if it's all the way back and what's the current status? Is it ongoing or resolved? Resolved. Yeah. That'll be fine. Well, like, Okay. it was don't don't these years ago. The only red flag would be if there's, like, a mental health history, because IBS can be associated with any number of conditions, and stress can be one of them. But if he's had no dramas for the last twenty odd years, that's not gonna cause you any issues. Yeah. There is mental health. So let me just get it up for you. So there is anxiety with panic attacks. Now let me see here so I can get the information. Sorry. Just bear with me. So first had symptoms in 2018. Minor symptoms. He did see a doctor, like a GP, in the last five years and was prescribed Valium for it. So it wasn't too bad. So just Valium, which would be more so for situations because that seemed to be more triggering, like, if you're on a plane or a boat and stuff like that. So the doctor just prescribed Valium to be used if that was ever a situation, but the client didn't actually take any of it. He didn't need to. It was more just like a a backup if that presented itself. So no, like, regular medication otherwise. They're quite minor. And the symptoms are ongoing. Yes. So small minor symptoms. Doesn't obviously restrict work at all and no medications or anything like that.","start_word":687,"end_word":1022,"sentiment":"neutral","sentiment_score":-0.10401132702827454},{"text":"Just feeling a little bit anxious every now and then, but not enough to warrant going on medication or anything like that.","start_word":1023,"end_word":1044,"sentiment":"negative","sentiment_score":-0.3892261385917664},{"text":"Yeah. So where we're gonna be is because I'm a shit like, we're gonna be looking at it sounds like decent levels of cover. More than likely, Yep. you're gonna be looking at a doctor's report, but the end outcome should be life and trauma standard IP TBD with a mental health exclusion. Yep. And for time frames, is that five years without any symptoms, typically? It typically is, but the thing you've gotta be mindful of with mental health is review periods can really be dictated by the duration of symptoms. Yes. So what I mean by that is, let's say, you went through a divorce or your dog died or you know, and and you're upset for, you know, six months. It's all reactive. Those are the ones that are much easier to review. Whereas if you've got a history of panic attacks and Yep. anxiety and they date back to 2018, we're in 2026. Now Yep. so that that and and I get the fact he's not on any medication, but it's still an eight year history. So, Yep. like, on face value, five years treatment and symptom free is generally Yep. what we look at, but I do think you need to be mindful that that's gonna be subject to full doctor's reports because it's a history dictates that it's something that's been present for for many, many years opposed Yep. to a reactive event where that the trigger gets removed and and therefore the risk totally removes for us. Yep. No. That totally makes sense. Alright. Perfect. Now the other thing is so sorry. So, obviously, with that information, does that impact the IBS at all? Well, no. To be honest, it actually makes it but IBS shouldn't have been an issue anyway. Correct. But Yep. but in saying that, like, it's given we're excluding men mental health for valid reasons being the anxiety, Yep. it it almost makes it probably a little bit easier because one of the causes, like I said, can be anxiety stress, and we're excluding that risk anyway. So that that's that's fine. Yeah. Okay.","start_word":1045,"end_word":1399,"sentiment":"neutral","sentiment_score":-0.106351897624177},{"text":"Perfect.","start_word":1400,"end_word":1400,"sentiment":"positive","sentiment_score":0.5922269821166992},{"text":"Now the other thing is just a bit of a bad batch.","start_word":1401,"end_word":1412,"sentiment":"negative","sentiment_score":-0.49925270676612854},{"text":"Now it started in let me see here. Around 2015. Last symptom was last year. No, like, a diagnosis for anything. Like, there's no medical diagnosis or anything. No surgery. Had physio physio and chiropractic treatment for it. Last physio was about eight months ago, so don't need, like, regular treatment for it. When he was younger, so when he was first kind of diagnosed, he did have steroid injections to help with the pain. And that was mainly just because he was playing sports like golf quite competitively, and that was just trying to help with it. He's Yeah. no That's longer doing that. that's fine. So Yep. as like, it's we're we're excluding it, but, Yep. like, is it limited just the lower back, or is it mid spine? Or Also, upper back. yeah. So we're definitely looking at a back exclusion. We're just gonna Yeah. need some clearer details on the application as to whether or not that's gonna be a full spine or if it can be limited Mhmm. to a certain area of the spine. If it's the upper thoracic spine, it's which is two parts, that's when you can be looking at a full spine. Mhmm. Okay. Perfect. And would that ever be reviewable or no? I I think based on what you're telling me, the the short answer would be no. And Yeah. the I reason thought why I so. say that, like, you've had cortisone injections, It's not debilitating, but it's there or thereabouts. Yep. So Yep. that that that, like, permanent exclusion if something changes after five years, happy to review. But I think that's highly Yeah. unlikely. Yep. Perfect. And with the back as well, so kind of at the same time, but only in 2015 was bulging disc as well, kind of from the same thing, That's same fine. treatment. The back it's it's gonna Yeah. cut, like, the back exclusion is gonna cover us, Okay. so that's fine.","start_word":1413,"end_word":1742,"sentiment":"neutral","sentiment_score":-0.10326110604642467},{"text":"Yep. Perfect.","start_word":1743,"end_word":1744,"sentiment":"positive","sentiment_score":0.43398672342300415},{"text":"Now there is two more things that Klein mentioned, but I'd having a look at the application, I don't really see where it fits in. So I do wanna check it. Sorry. Because in the application, there is a question where it is if you've ever experienced any symptoms of it. And that was high cortisol. The doctors thought that it may be high cortisol, but they did, like, a test and everything. And this was back in 2019, and it came so there was a blood test done to see if it was high cortisol, and the test didn't show anything. So the test was all fine. Yeah. That should be fine, but we're definitely gonna need a doctor's report. Yep. And that I mean, was that all to tryna determine, like, in regards to the anxiety, like, yeah. what was kind of So, triggering. correct. So high cortisol can be Yeah. attributed stress, but it can also be Yep. associated with cushions and pituitary tumors, all that kind of thing. So we'd need to do our due diligence just to make sure that Yep. the any any nasties were fully excluded. Yep. And just like the doctor's report to show that would be sufficient? Well, correct. Exactly Yep. right. So yeah. Correct. Okay. And that was the same with human growth hormone. It was kind of in the the same time. They thought that maybe it was a human growth hormone to kinda work out the reasoning behind, like, the anxiety. Again, did test and showed that there was like, the human growth hormone was normal according to blood test and everything like that. Yeah. So it sounds like he's been fully worked up on this Yep. kind of stuff. So there's no hiding it it sounds all good, but the report's Yep. gonna be really key for both of those last two conditions Yep. to make sure that everything basically led back to stress and Yep. that there was no underlying conditions that that that were associated for what they're investigating. Yep. Yep.","start_word":1745,"end_word":2090,"sentiment":"neutral","sentiment_score":-0.059737883045235814},{"text":"Beautiful. Perfect. And that was everything. Excellent. Great. Well, thank you so much for your help today, Mark. I really appreciate it. No worries. Alright. Thanks for that. Thanks. Bye. Cheers.","start_word":2091,"end_word":2121,"sentiment":"positive","sentiment_score":0.726367712020874},{"text":"Bye.","start_word":2122,"end_word":2122,"sentiment":"neutral","sentiment_score":0.27138349413871765}],"average":{"sentiment":"neutral","sentiment_score":-0.031606483020713526}}}}