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Fair enough, mate. I've got some updated insurance quotes for you after our last discussion. Do you mind if I just go through a quick security check with you? Easy. So I'm registered with Asic as Adviser1273105. Can I just confirm your date of birth and address? Sensational. Thank you very much for that, mate. Now I've had a bit of a back and forth with the old I double o s on the it was the life insurance we were trying to top up a little bit. Yep. So I've got some sort of preliminary figures here for you. They will change a little bit just because their their quotes are a little bit wonky. So I'll kind of break down what you've got, what they're talking about, and kind of what your options are. So after any sort of previous claims or anything like that, you've got about a $100 worth of life and CBD cover put into, like, group cover for half and some additional cover for the other half. Now that's costing you about $303 a year, and there's a bit of income protection on top, which is, like, another $6.90 for the income protection policy. Now what they're sort of telling me is that to increase the life insurance up to about 450,000, it'll go up another $877. So it'll go up to $1.01 $8.00 and then the income protection on top. So just just shy of $2 altogether. Now what I was kind of doing too is we had put in through the last time that you've obviously got the multiple income sources. And I think correct me if I'm wrong, but you're getting contributions just on the agricultural work, which I think you're only about $30 from that. Right? Cool. So before talking about anything sort of health related, my flag point for premiums getting a little bit high is about 30% of your contribution. So that would be about a thousand and $80 I would start to worry. And you're just shy of 1,000 now for the life, the TPD, and the income protection, and this will bump it up to, again, about 1,900. So it'll be a decent chunk of your contributions. If I kind of work that out a little bit, we'll go 1,900. Yeah. So it'll be it's it's coming out to be more than half of your contributions for those premiums. K? The other worry that I've got, not too big a deal, but it is something that I'm not I wasn't able to confirm with them, is you went through a bit of a pre assessment with Caden for me, which is amazing, just to go through health questions. Not too much of a worry for the old knee surgery. Hernia is not too bad. The only thing that I think was a concern was high blood pressure. Now if there's high blood pressure that tends to apply loading where if it's not sort of well controlled with medication, they tend to either bump up the price by another 50% at least, or they may even not offer cover until it's stable with medication. So I want to flag that with you as well. Premium is getting a bit high, and you might get a bump up again. So if they bump up a loading, you're looking at, like, $2.5, and that's pretty much all your contribution going. And they might want you to be going some history of stable medications first. Gotcha. So warning signs, but they haven't flagged you as five. Okay. Cool. So that's not too big of an issue. Now they're not very forthcoming with their underwriting. So, normally, life insurance, you don't really get, like, exclusions for body parts. It's mainly health related. So, like, the tendons and the knees is okay. Back strain is usually okay. It's really just the pricing that was a bit of a worry. So I just wanted to kind of run by you and sort of think. Possibly. Possibly. I've been trying to quote around elsewhere in the market a little bit. Might be possible. What I can do is pop through some updated quotes with some other insurers maybe. And then, again, it's just it's just a bit of a trade off in terms of we can bump it up, but then it's gonna obviously hurt the contributions there. So it's just about what you're comfortable doing, you know, which one you prioritize over the other. Any thoughts on again, like, if you were to lean between them, is it like a fifty fifty priority between the contributions and and having the insurance there, or do you lean towards one more than the other? Yeah. So in terms of the the levels of cover, let's say you've got a 100 now with I, double o, f. We were gonna bump it up to around that kind of $4.50 mark in total for the life insurance. So I can try and get some quotes with other insurers for about $3.50, and then I'll get a final alteration with I, double f, and then see what that looks like. And whichever one comes out better, I can kind of recommend for you. Cool. And if you're happy with that, mate, I'll go dive into the updated quote call around. And then because I'm off next week, I'll get the team to kind of book in with you after that, and we can run through it together. Awesome. Awesome. Alright. That gives me a good idea. I'll run off and do that. Any questions for me at this point? I'm just trying to do right by you, Nathan. And, again, my job is to to give you the options and then see what's best. Alrighty. Look. I appreciate the time today. Just quickly before I go, any sort of major changes now that we've hit the the end of financial year in terms of the income or anything like that? Beautiful. Alrighty. Well, leave it with me. I'll get some updated research, and I'll talk to you within the fortnight. Amazing. Have a great weekend, mate. Cheers. 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day, Nathan. It's Tommy here, senior adviser of Humane. How are you doing? Yeah. Living the dream.\n\nIt's a beautiful day on the Gold Coast. What about your end? Not too cold, I hope. Fair enough, mate. I've got some updated insurance quotes for you after our last discussion.\n\nDo you mind if I just go through a quick security check with you? Easy. So I'm registered with Asic as Adviser1273105. Can I just confirm your date of birth and address? Sensational.\n\nThank you very much for that, mate. Now I've had a bit of a back and forth with the old I double o s on the it was the life insurance we were trying to top up a little bit. Yep. So I've got some sort of preliminary figures here for you. They will change a little bit just because their their quotes are a little bit wonky.\n\nSo I'll kind of break down what you've got, what they're talking about, and kind of what your options are. So after any sort of previous claims or anything like that, you've got about a $100 worth of life and CBD cover put into, like, group cover for half and some additional cover for the other half. Now that's costing you about $303 a year, and there's a bit of income protection on top, which is, like, another $6.90 for the income protection policy. Now what they're sort of telling me is that to increase the life insurance up to about 450,000, it'll go up another $877. So it'll go up to $1.01 $8.00 and then the income protection on top.\n\nSo just just shy of $2 altogether. Now what I was kind of doing too is we had put in through the last time that you've obviously got the multiple income sources. And I think correct me if I'm wrong, but you're getting contributions just on the agricultural work, which I think you're only about $30 from that. Right? Cool.\n\nSo before talking about anything sort of health related, my flag point for premiums getting a little bit high is about 30% of your contribution. So that would be about a thousand and $80 I would start to worry. And you're just shy of 1,000 now for the life, the TPD, and the income protection, and this will bump it up to, again, about 1,900. So it'll be a decent chunk of your contributions. If I kind of work that out a little bit, we'll go 1,900.\n\nYeah. So it'll be it's it's coming out to be more than half of your contributions for those premiums. K? The other worry that I've got, not too big a deal, but it is something that I'm not I wasn't able to confirm with them, is you went through a bit of a pre assessment with Caden for me, which is amazing, just to go through health questions. Not too much of a worry for the old knee surgery.\n\nHernia is not too bad. The only thing that I think was a concern was high blood pressure. Now if there's high blood pressure that tends to apply loading where if it's not sort of well controlled with medication, they tend to either bump up the price by another 50% at least, or they may even not offer cover until it's stable with medication. So I want to flag that with you as well. Premium is getting a bit high, and you might get a bump up again.\n\nSo if they bump up a loading, you're looking at, like, $2.5, and that's pretty much all your contribution going. And they might want you to be going some history of stable medications first. Gotcha. So warning signs, but they haven't flagged you as five. Okay.\n\nCool. So that's not too big of an issue. Now they're not very forthcoming with their underwriting. So, normally, life insurance, you don't really get, like, exclusions for body parts. It's mainly health related.\n\nSo, like, the tendons and the knees is okay. Back strain is usually okay. It's really just the pricing that was a bit of a worry. So I just wanted to kind of run by you and sort of think. Possibly.\n\nPossibly. I've been trying to quote around elsewhere in the market a little bit. Might be possible. What I can do is pop through some updated quotes with some other insurers maybe. And then, again, it's just it's just a bit of a trade off in terms of we can bump it up, but then it's gonna obviously hurt the contributions there.\n\nSo it's just about what you're comfortable doing, you know, which one you prioritize over the other. Any thoughts on again, like, if you were to lean between them, is it like a fifty fifty priority between the contributions and and having the insurance there, or do you lean towards one more than the other? Yeah. So in terms of the the levels of cover, let's say you've got a 100 now with I, double o, f. We were gonna bump it up to around that kind of $4.50 mark in total for the life insurance.\n\nSo I can try and get some quotes with other insurers for about $3.50, and then I'll get a final alteration with I, double f, and then see what that looks like. And whichever one comes out better, I can kind of recommend for you. Cool. And if you're happy with that, mate, I'll go dive into the updated quote call around. And then because I'm off next week, I'll get the team to kind of book in with you after that, and we can run through it together.\n\nAwesome. Awesome. Alright. That gives me a good idea. I'll run off and do that.\n\nAny questions for me at this point? I'm just trying to do right by you, Nathan. And, again, my job is to to give you the options and then see what's best. Alrighty. Look.\n\nI appreciate the time today. Just quickly before I go, any sort of major changes now that we've hit the the end of financial year in terms of the income or anything like that? Beautiful. Alrighty. Well, leave it with me.\n\nI'll get some updated research, and I'll talk to you within the fortnight. Amazing. Have a great weekend, mate. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Nathan.","start":2.32,"end":3.04,"sentiment":"positive","sentiment_score":0.34367867310841876},{"text":"It's Tommy here, senior adviser of Humane.","start":3.04,"end":5.04,"sentiment":"neutral","sentiment_score":0.2059826659304755},{"text":"How are you doing?","start":5.04,"end":5.94,"sentiment":"neutral","sentiment_score":0.19128130748867989},{"text":"Yeah.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.263187974691391},{"text":"Living the dream.","start":7.8399997,"end":8.4,"sentiment":"positive","sentiment_score":0.4405711789925893}],"sentiment":"neutral","sentiment_score":0.2679411901368035,"num_words":18,"start":2.32,"end":8.4},{"sentences":[{"text":"It's a beautiful day on the Gold Coast.","start":8.4,"end":9.92,"sentiment":"positive","sentiment_score":0.6350484192371368},{"text":"What about your end?","start":9.92,"end":10.9,"sentiment":"neutral","sentiment_score":0.1076747439801693},{"text":"Not too cold, I hope.","start":16.175,"end":17.635,"sentiment":"neutral","sentiment_score":-0.10582979619503022},{"text":"Fair enough, mate.","start":21.455,"end":22.595001,"sentiment":"neutral","sentiment_score":0.07076842089494069},{"text":"I've got some updated insurance quotes for you after our last discussion.","start":22.895,"end":27.68,"sentiment":"neutral","sentiment_score":0.0529553540982306}],"sentiment":"neutral","sentiment_score":0.18217833939706907,"num_words":32,"start":8.4,"end":27.68},{"sentences":[{"text":"Do you mind if I just go through a quick security check with you?","start":28.06,"end":30.96,"sentiment":"neutral","sentiment_score":0.0032009628734418322},{"text":"Easy.","start":32.7,"end":33.02,"sentiment":"neutral","sentiment_score":0.15695568919181824},{"text":"So I'm registered with Asic as Adviser1273105.","start":33.02,"end":37.5,"sentiment":"neutral","sentiment_score":0.05523830918329103},{"text":"Can I just confirm your date of birth and address?","start":37.5,"end":40.095,"sentiment":"neutral","sentiment_score":0.02625798936933279},{"text":"Sensational.","start":49.055,"end":49.555,"sentiment":"neutral","sentiment_score":0.034966446459293365}],"sentiment":"neutral","sentiment_score":0.026847990116838253,"num_words":33,"start":28.06,"end":49.555},{"sentences":[{"text":"Thank you very much for that, mate.","start":49.695,"end":51.315002,"sentiment":"positive","sentiment_score":0.45881614089012146},{"text":"Now I've had a bit of a back and forth with the old I double o s on the it was the life insurance we were trying to top up a little bit.","start":51.375,"end":60.629997,"sentiment":"neutral","sentiment_score":-0.09048410651810242},{"text":"Yep.","start":61.809998,"end":62.21,"sentiment":"neutral","sentiment_score":0.006038689985871315},{"text":"So I've got some sort of preliminary figures here for you.","start":62.21,"end":65.43,"sentiment":"neutral","sentiment_score":-0.002613415772264654},{"text":"They will change a little bit just because their their quotes are a little bit wonky.","start":65.729996,"end":70.39,"sentiment":"neutral","sentiment_score":-0.13231618492864072}],"sentiment":"neutral","sentiment_score":-0.028147505459320897,"num_words":68,"start":49.695,"end":70.39},{"sentences":[{"text":"So I'll kind of break down what you've got, what they're talking about, and kind of what your options are.","start":70.995,"end":76.615,"sentiment":"neutral","sentiment_score":-0.004012646898627281},{"text":"So after any sort of previous claims or anything like that, you've got about a $100 worth of life and CBD cover put into, like, group cover for half and some additional cover for the other half.","start":78.435,"end":93.0,"sentiment":"neutral","sentiment_score":-0.01680847135296947},{"text":"Now that's costing you about $303 a year, and there's a bit of income protection on top, which is, like, another $6.90 for the income protection policy.","start":94.26,"end":105.465004,"sentiment":"neutral","sentiment_score":-0.03854321971259735},{"text":"Now what they're sort of telling me is that to increase the life insurance up to about 450,000, it'll go up another $877.","start":106.565,"end":121.28,"sentiment":"neutral","sentiment_score":-0.05877003640584324},{"text":"So it'll go up to $1.01 $8.00 and then the income protection on top.","start":124.54,"end":131.325,"sentiment":"neutral","sentiment_score":0.0399652561172843}],"sentiment":"neutral","sentiment_score":-0.020950665801363295,"num_words":121,"start":70.995,"end":131.325},{"sentences":[{"text":"So just just shy of $2 altogether.","start":131.325,"end":133.58499,"sentiment":"neutral","sentiment_score":0.07930913461106164},{"text":"Now what I was kind of doing too is we had put in through the last time that you've obviously got the multiple income sources.","start":136.285,"end":144.5,"sentiment":"neutral","sentiment_score":0.03255616769194603},{"text":"And I think correct me if I'm wrong, but you're getting contributions just on the agricultural work, which I think you're only about $30 from that.","start":146.31999,"end":155.04,"sentiment":"neutral","sentiment_score":0.062122130242642015},{"text":"Right?","start":155.04,"end":155.415,"sentiment":"neutral","sentiment_score":0.08558309078216553},{"text":"Cool.","start":158.45499,"end":158.775,"sentiment":"positive","sentiment_score":0.3606189489364624}],"sentiment":"neutral","sentiment_score":0.057174092676723375,"num_words":60,"start":131.325,"end":158.775},{"sentences":[{"text":"So before talking about anything sort of health related, my flag point for premiums getting a little bit high is about 30% of your contribution.","start":158.775,"end":169.435,"sentiment":"neutral","sentiment_score":0.10061573028564454},{"text":"So that would be about a thousand and $80 I would start to worry.","start":171.78,"end":176.28,"sentiment":"neutral","sentiment_score":-0.27403905774865833},{"text":"And you're just shy of 1,000 now for the life, the TPD, and the income protection, and this will bump it up to, again, about 1,900.","start":178.02,"end":186.60501,"sentiment":"neutral","sentiment_score":0.16318046602492148},{"text":"So it'll be a decent chunk of your contributions.","start":188.345,"end":190.925,"sentiment":"positive","sentiment_score":0.46786539091004264},{"text":"If I kind of work that out a little bit, we'll go 1,900.","start":191.705,"end":196.285,"sentiment":"neutral","sentiment_score":0.18067474090136015}],"sentiment":"neutral","sentiment_score":0.10897814615190714,"num_words":87,"start":158.775,"end":196.285},{"sentences":[{"text":"Yeah.","start":199.97,"end":200.21,"sentiment":"neutral","sentiment_score":0.188867449760437},{"text":"So it'll be it's it's coming out to be more than half of your contributions for those premiums.","start":200.21,"end":204.95,"sentiment":"neutral","sentiment_score":0.24810657070742714},{"text":"K?","start":207.65,"end":208.15,"sentiment":"neutral","sentiment_score":0.023177772760391235},{"text":"The other worry that I've got, not too big a deal, but it is something that I'm not I wasn't able to confirm with them, is you went through a bit of a pre assessment with Caden for me, which is amazing, just to go through health questions.","start":208.45,"end":220.575,"sentiment":"neutral","sentiment_score":-0.06999946649496754},{"text":"Not too much of a worry for the old knee surgery.","start":223.11499,"end":225.69499,"sentiment":"neutral","sentiment_score":-0.12506787478923798}],"sentiment":"neutral","sentiment_score":-0.0007311078377916843,"num_words":79,"start":199.97,"end":225.69499},{"sentences":[{"text":"Hernia is not too bad.","start":226.715,"end":228.25499,"sentiment":"neutral","sentiment_score":-0.13967976421117784},{"text":"The only thing that I think was a concern was high blood pressure.","start":228.95,"end":232.41,"sentiment":"negative","sentiment_score":-0.4443698502503909},{"text":"Now if there's high blood pressure that tends to apply loading where if it's not sort of well controlled with medication, they tend to either bump up the price by another 50% at least, or they may even not offer cover until it's stable with medication.","start":234.55,"end":252.635,"sentiment":"negative","sentiment_score":-0.3712222702477289},{"text":"So I want to flag that with you as well.","start":255.35,"end":256.95,"sentiment":"neutral","sentiment_score":-0.10144114196300506},{"text":"Premium is getting a bit high, and you might get a bump up again.","start":256.95,"end":262.09,"sentiment":"negative","sentiment_score":-0.3975343810660498}],"sentiment":"negative","sentiment_score":-0.342401409775696,"num_words":88,"start":226.715,"end":262.09},{"sentences":[{"text":"So if they bump up a loading, you're looking at, like, $2.5, and that's pretty much all your contribution going.","start":262.15,"end":267.29,"sentiment":"neutral","sentiment_score":0.04474993785843253},{"text":"And they might want you to be going some history of stable medications first.","start":268.07,"end":273.735,"sentiment":"neutral","sentiment_score":0.012003390650664057},{"text":"Gotcha.","start":284.2,"end":284.52002,"sentiment":"neutral","sentiment_score":-0.07730250805616379},{"text":"So warning signs, but they haven't flagged you as five.","start":284.52002,"end":288.38,"sentiment":"neutral","sentiment_score":-0.10832583755254746},{"text":"Okay.","start":291.08002,"end":291.4,"sentiment":"neutral","sentiment_score":0.05539650097489357}],"sentiment":"neutral","sentiment_score":-0.0009156120941042894,"num_words":46,"start":262.15,"end":291.4},{"sentences":[{"text":"Cool.","start":291.4,"end":291.64,"sentiment":"neutral","sentiment_score":0.17439082264900208},{"text":"So that's not too big of an issue.","start":291.64,"end":293.42,"sentiment":"neutral","sentiment_score":0.034890304785221815},{"text":"Now they're not very forthcoming with their underwriting.","start":293.72,"end":295.98,"sentiment":"negative","sentiment_score":-0.33873271755874157},{"text":"So, normally, life insurance, you don't really get, like, exclusions for body parts.","start":296.28,"end":301.325,"sentiment":"neutral","sentiment_score":-0.2089235157920764},{"text":"It's mainly health related.","start":301.865,"end":303.565,"sentiment":"neutral","sentiment_score":-0.049680065363645554}],"sentiment":"neutral","sentiment_score":-0.15209042489090385,"num_words":34,"start":291.4,"end":303.565},{"sentences":[{"text":"So, like, the tendons and the knees is okay.","start":303.865,"end":306.205,"sentiment":"neutral","sentiment_score":-0.012483195091287294},{"text":"Back strain is usually okay.","start":306.985,"end":308.685,"sentiment":"neutral","sentiment_score":-0.17382000386714935},{"text":"It's really just the pricing that was a bit of a worry.","start":309.465,"end":311.76,"sentiment":"neutral","sentiment_score":-0.3206175242861112},{"text":"So I just wanted to kind of run by you and sort of think.","start":314.40002,"end":316.98,"sentiment":"neutral","sentiment_score":0.00864386824624879},{"text":"Possibly.","start":323.6,"end":324.1,"sentiment":"neutral","sentiment_score":-0.01364549808204174}],"sentiment":"neutral","sentiment_score":-0.11515830266402989,"num_words":41,"start":303.865,"end":324.1},{"sentences":[{"text":"Possibly.","start":324.16,"end":324.64,"sentiment":"neutral","sentiment_score":-0.02465180866420269},{"text":"I've been trying to quote around elsewhere in the market a little bit.","start":324.64,"end":327.735,"sentiment":"neutral","sentiment_score":-0.03635123973855606},{"text":"Might be possible.","start":329.09497,"end":330.155,"sentiment":"neutral","sentiment_score":0.08119216561317444},{"text":"What I can do is pop through some updated quotes with some other insurers maybe.","start":330.775,"end":337.275,"sentiment":"neutral","sentiment_score":0.045382135361433026},{"text":"And then, again, it's just it's just a bit of a trade off in terms of we can bump it up, but then it's gonna obviously hurt the contributions there.","start":339.735,"end":349.03998,"sentiment":"neutral","sentiment_score":-0.2580254127581914}],"sentiment":"neutral","sentiment_score":-0.1179624480766154,"num_words":62,"start":324.16,"end":349.03998},{"sentences":[{"text":"So it's just about what you're comfortable doing, you know, which one you prioritize over the other.","start":349.03998,"end":353.625,"sentiment":"neutral","sentiment_score":-0.006887440295780406},{"text":"Any thoughts on again, like, if you were to lean between them, is it like a fifty fifty priority between the contributions and and having the insurance there, or do you lean towards one more than the other?","start":357.065,"end":369.09,"sentiment":"neutral","sentiment_score":-0.020042912495371542},{"text":"Yeah.","start":407.065,"end":407.385,"sentiment":"neutral","sentiment_score":0.043635014444589615},{"text":"So in terms of the the levels of cover, let's say you've got a 100 now with I, double o, f.","start":407.385,"end":413.085,"sentiment":"neutral","sentiment_score":0.03950118894378344},{"text":"We were gonna bump it up to around that kind of $4.50 mark in total for the life insurance.","start":414.425,"end":419.325,"sentiment":"neutral","sentiment_score":0.0743591030569453}],"sentiment":"neutral","sentiment_score":0.014659018546808511,"num_words":96,"start":349.03998,"end":419.325},{"sentences":[{"text":"So I can try and get some quotes with other insurers for about $3.50, and then I'll get a final alteration with I, double f, and then see what that looks like.","start":421.46,"end":432.41998,"sentiment":"neutral","sentiment_score":0.09530281869228929},{"text":"And whichever one comes out better, I can kind of recommend for you.","start":432.41998,"end":438.495,"sentiment":"neutral","sentiment_score":0.18361242688619173},{"text":"Cool.","start":439.115,"end":439.615,"sentiment":"positive","sentiment_score":0.4641590118408203},{"text":"And if you're happy with that, mate, I'll go dive into the updated quote call around.","start":439.675,"end":445.375,"sentiment":"neutral","sentiment_score":0.24186889361590147},{"text":"And then because I'm off next week, I'll get the team to kind of book in with you after that, and we can run through it together.","start":445.595,"end":452.92,"sentiment":"neutral","sentiment_score":0.1167681829796897}],"sentiment":"neutral","sentiment_score":0.14520734829011928,"num_words":89,"start":421.46,"end":452.92},{"sentences":[{"text":"Awesome.","start":455.46,"end":455.94,"sentiment":"positive","sentiment_score":0.5902631282806396},{"text":"Awesome.","start":455.94,"end":456.34,"sentiment":"positive","sentiment_score":0.5469150543212891},{"text":"Alright.","start":456.34,"end":456.74,"sentiment":"positive","sentiment_score":0.4360844790935517},{"text":"That gives me a good idea.","start":456.74,"end":458.12,"sentiment":"positive","sentiment_score":0.5463876227537791},{"text":"I'll run off and do that.","start":458.58,"end":459.62,"sentiment":"neutral","sentiment_score":0.24160364270210266}],"sentiment":"positive","sentiment_score":0.42008068362871803,"num_words":15,"start":455.46,"end":459.62},{"sentences":[{"text":"Any questions for me at this point?","start":459.62,"end":461.32,"sentiment":"neutral","sentiment_score":0.0838491820863315},{"text":"I'm just trying to do right by you, Nathan.","start":466.48502,"end":469.30502,"sentiment":"neutral","sentiment_score":0.027544278651475906},{"text":"And, again, my job is to to give you the options and then see what's best.","start":469.765,"end":473.70502,"sentiment":"neutral","sentiment_score":0.06210104376077652},{"text":"Alrighty.","start":477.94,"end":478.26,"sentiment":"neutral","sentiment_score":0.20554262399673465},{"text":"Look.","start":478.26,"end":478.5,"sentiment":"neutral","sentiment_score":0.288949191570282}],"sentiment":"neutral","sentiment_score":0.06832209700608954,"num_words":34,"start":459.62,"end":478.5},{"sentences":[{"text":"I appreciate the time today.","start":478.5,"end":479.78,"sentiment":"positive","sentiment_score":0.46517856121063234},{"text":"Just quickly before I go, any sort of major changes now that we've hit the the end of financial year in terms of the income or anything like that?","start":479.78,"end":487.32,"sentiment":"neutral","sentiment_score":0.02581685757392953},{"text":"Beautiful.","start":490.98,"end":491.48,"sentiment":"positive","sentiment_score":0.3761560916900635},{"text":"Alrighty.","start":491.865,"end":492.265,"sentiment":"neutral","sentiment_score":0.1692282259464264},{"text":"Well, leave it with me.","start":492.265,"end":493.065,"sentiment":"neutral","sentiment_score":0.025511949323117733}],"sentiment":"neutral","sentiment_score":0.09140306682802918,"num_words":41,"start":478.5,"end":493.065},{"sentences":[{"text":"I'll get some updated research, and I'll talk to you within the fortnight.","start":493.065,"end":496.365,"sentiment":"positive","sentiment_score":0.39262508199765134},{"text":"Amazing.","start":499.145,"end":499.625,"sentiment":"positive","sentiment_score":0.8895208835601807},{"text":"Have a great weekend, mate.","start":499.625,"end":500.665,"sentiment":"positive","sentiment_score":0.7932324409484863},{"text":"Cheers.","start":500.665,"end":501.165,"sentiment":"positive","sentiment_score":0.7009309530258179},{"text":"Bye.","start":503.305,"end":503.805,"sentiment":"neutral","sentiment_score":-0.10568874329328536}],"sentiment":"positive","sentiment_score":0.5026214935240292,"num_words":21,"start":493.065,"end":503.805}]}}]},{"alternatives":[{"transcript":"Ethan speaking. Good. How are you? Well, it's a bit of weak sunshine, but it's not that great. No. It's not too bad. Yep. It's been worse. Yes. Yes. No. Yep. That's fine. Yep. Sixteenth of the ninth, nineteen seventy three, and it's 9 Eastern Road, Stratford, Victoria 355, A. Mhmm. Yes. Correct. Yep. Yep. Yep. Right. Yep. Right. Yep. Yep. Yep. Right. Okay. Yep. Okay. Yep. Correct. Yep. Yep. That's put on. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Alright. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Because, yeah, I'm not on medication for it. They tested me for it because I said it was getting getting higher, and I wanted to see what was going on. That was it. So no. They could no. Yep. Yep. Yep. Yep. Do you do you suggest do you suggest PACE life insurance another through another source or something? Yep. Yep. Yep. Sounds good. Yep. Yep. Yep. Well, they don't see. I don't I don't I mean, I don't really think about that one. That's stupid to be truthful. It's more of the other one I've got. So yeah. So that doesn't really warrant me too greatly for half of it to come in and put, like, you know, admin fees or whatever the insurance premiums. So that doesn't greatly I mean, I prefer if it wasn't, but if that's the way it's gotta be, that's why it's gotta be copying. So I'm just looking at, you know, more covering the increasing the insurance amount just in case something. The same did happen. I'm like a diet or whatever. Yep. Yep. Yep. Yep. Yep. Yep. Sounds good. Yep. Yep. Yeah. Yeah. Yeah. Sounds good. No. No. No. You're doing well so far. So Yep. Yep. Sounds good. Not now. It's all about the same. Yep. Yep. Sounds good. Okay. You too. Thank you. 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Good. How are you? Well, it's a bit of weak sunshine, but it's not that great. No.\n\nIt's not too bad. Yep. It's been worse. Yes. Yes.\n\nNo. Yep. That's fine. Yep. Sixteenth of the ninth, nineteen seventy three, and it's 9 Eastern Road, Stratford, Victoria 355, A.\n\nMhmm. Yes. Correct. Yep. Yep.\n\nYep. Right. Yep. Right. Yep.\n\nYep. Yep. Right. Okay. Yep.\n\nOkay. Yep. Correct. Yep. Yep.\n\nThat's put on. Yep. Yes. Yep. Yep.\n\nYep. Yep. Yep. Yep. Alright.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nBecause, yeah, I'm not on medication for it. They tested me for it because I said it was getting getting higher, and I wanted to see what was going on. That was it. So no. They could no.\n\nYep. Yep. Yep. Yep. Do you do you suggest do you suggest PACE life insurance another through another source or something?\n\nYep. Yep. Yep. Sounds good. Yep.\n\nYep. Yep. Well, they don't see. I don't I don't I mean, I don't really think about that one. 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Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Ethan speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.026912239380180836},{"text":"Good.","start":6.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.2657583951950073},{"text":"How are you?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.18622133135795593},{"text":"Well, it's a bit of weak sunshine, but it's not that great.","start":11.84,"end":17.705,"sentiment":"neutral","sentiment_score":-0.05953965770701567},{"text":"No.","start":17.705,"end":18.025,"sentiment":"neutral","sentiment_score":-0.022553585469722748}],"sentiment":"neutral","sentiment_score":0.0074324942144908404,"num_words":19,"start":0.24,"end":18.025},{"sentences":[{"text":"It's not too bad.","start":18.025,"end":18.985,"sentiment":"neutral","sentiment_score":-0.0420395964756608},{"text":"Yep.","start":18.985,"end":19.224998,"sentiment":"neutral","sentiment_score":-0.01741058938205242},{"text":"It's 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A.","start":40.82,"end":47.615,"sentiment":"neutral","sentiment_score":0.013677164795808494}],"sentiment":"neutral","sentiment_score":0.02690397593237105,"num_words":21,"start":29.939999,"end":47.615},{"sentences":[{"text":"Mhmm.","start":57.115,"end":57.615,"sentiment":"neutral","sentiment_score":-0.0600527822971344},{"text":"Yes.","start":60.210003,"end":60.61,"sentiment":"neutral","sentiment_score":0.006921406835317612},{"text":"Correct.","start":60.61,"end":60.93,"sentiment":"neutral","sentiment_score":0.015301653183996676},{"text":"Yep.","start":60.93,"end":61.43,"sentiment":"neutral","sentiment_score":0.008247289806604385},{"text":"Yep.","start":71.01,"end":71.51,"sentiment":"neutral","sentiment_score":-0.007192447781562805}],"sentiment":"neutral","sentiment_score":-0.007354976050555706,"num_words":5,"start":57.115,"end":71.51},{"sentences":[{"text":"Yep.","start":76.895004,"end":77.395004,"sentiment":"neutral","sentiment_score":0.007925127632915974},{"text":"Right.","start":88.46001,"end":88.96001,"sentiment":"neutral","sentiment_score":-0.010717215947806835},{"text":"Yep.","start":93.340004,"end":93.420006,"sentiment":"neutral","sentiment_score":0.008246035315096378},{"text":"Right.","start":93.420006,"end":93.920006,"sentiment":"neutral","sentiment_score":-0.0032729078084230423},{"text":"Yep.","start":98.3,"end":98.8,"sentiment":"neutral","sentiment_score":-0.01906590163707733}],"sentiment":"neutral","sentiment_score":-0.0033769724890589715,"num_words":5,"start":76.895004,"end":98.8},{"sentences":[{"text":"Yep.","start":103.985,"end":104.485,"sentiment":"neutral","sentiment_score":-0.027065500617027283},{"text":"Yep.","start":122.47,"end":122.71,"sentiment":"neutral","sentiment_score":0.012564539909362791},{"text":"Right.","start":122.71,"end":123.21,"sentiment":"neutral","sentiment_score":0.0193549282848835},{"text":"Okay.","start":124.47,"end":124.97,"sentiment":"neutral","sentiment_score":0.024565309286117554},{"text":"Yep.","start":129.505,"end":130.005,"sentiment":"neutral","sentiment_score":0.004132214467972517}],"sentiment":"neutral","sentiment_score":0.006710298266261816,"num_words":5,"start":103.985,"end":130.005},{"sentences":[{"text":"Okay.","start":134.305,"end":134.805,"sentiment":"neutral","sentiment_score":0.06869025528430939},{"text":"Yep.","start":144.96,"end":145.46,"sentiment":"neutral","sentiment_score":0.07264914363622665},{"text":"Correct.","start":153.035,"end":153.535,"sentiment":"neutral","sentiment_score":0.10001856833696364},{"text":"Yep.","start":155.115,"end":155.615,"sentiment":"neutral","sentiment_score":0.06729377061128616},{"text":"Yep.","start":155.995,"end":156.315,"sentiment":"neutral","sentiment_score":0.07740356028079987}],"sentiment":"neutral","sentiment_score":0.07721105962991714,"num_words":5,"start":134.305,"end":156.315},{"sentences":[{"text":"That's 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yeah, I'm not on medication for it.","start":274.08002,"end":276.4,"sentiment":"neutral","sentiment_score":-0.09051230922341347},{"text":"They tested me for it because I said it was getting getting higher, and I wanted to see what was going on.","start":276.4,"end":282.48,"sentiment":"neutral","sentiment_score":-0.14395092156800357},{"text":"That was it.","start":282.48,"end":283.28,"sentiment":"neutral","sentiment_score":-0.12887259324391684},{"text":"So no.","start":283.28,"end":287.44,"sentiment":"neutral","sentiment_score":-0.09941934421658516},{"text":"They could 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something?","start":314.73,"end":321.845,"sentiment":"neutral","sentiment_score":-0.014992964947048356}],"sentiment":"neutral","sentiment_score":-0.019852306635584682,"num_words":21,"start":297.88498,"end":321.845},{"sentences":[{"text":"Yep.","start":328.225,"end":328.725,"sentiment":"neutral","sentiment_score":0.06642573326826096},{"text":"Yep.","start":335.82,"end":336.32,"sentiment":"neutral","sentiment_score":0.02508017048239708},{"text":"Yep.","start":337.18,"end":337.68,"sentiment":"neutral","sentiment_score":0.09862618893384932},{"text":"Sounds 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truthful.","start":371.09,"end":372.45,"sentiment":"negative","sentiment_score":-0.734426474571228}],"sentiment":"negative","sentiment_score":-0.34403498137059313,"num_words":24,"start":354.065,"end":372.45},{"sentences":[{"text":"It's more of the other one I've got.","start":372.45,"end":373.785,"sentiment":"neutral","sentiment_score":-0.2623770497739315},{"text":"So yeah.","start":376.505,"end":376.905,"sentiment":"neutral","sentiment_score":-0.09786522388458252},{"text":"So that doesn't really warrant me too greatly for half of it to come in and put, like, you know, admin fees or whatever the insurance premiums.","start":376.905,"end":385.145,"sentiment":"neutral","sentiment_score":-0.16989630267575936},{"text":"So that doesn't greatly I mean, I prefer if it wasn't, but if that's the way it's gotta be, that's why it's gotta be copying.","start":385.145,"end":392.15,"sentiment":"neutral","sentiment_score":-0.07200169280171394},{"text":"So I'm just looking at, you know, more covering the increasing the insurance amount just in case something.","start":392.21,"end":402.365,"sentiment":"neutral","sentiment_score":0.007427162594265408}],"sentiment":"neutral","sentiment_score":-0.10685375514440239,"num_words":80,"start":372.45,"end":402.365},{"sentences":[{"text":"The same did happen.","start":402.905,"end":404.105,"sentiment":"neutral","sentiment_score":0.005372646264731884},{"text":"I'm like a diet or 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you.","start":501.41095,"end":501.97095,"sentiment":"positive","sentiment_score":0.7665521800518036}],"sentiment":"positive","sentiment_score":0.6464631613343954,"num_words":8,"start":491.925,"end":501.97095},{"sentences":[{"text":"Bye.","start":501.97095,"end":502.47095,"sentiment":"positive","sentiment_score":0.44174009561538696}],"sentiment":"positive","sentiment_score":0.44174009561538696,"num_words":1,"start":501.97095,"end":502.47095}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Ethan speaking.\n\nChannel 0: Good day, Nathan. It's Tommy here, senior adviser of Humane. How are you doing?\n\nChannel 1: Good. How are you?\n\nChannel 0: Yeah. Living the dream. It's a beautiful day on the Gold Coast. What about your end?\n\nChannel 1: Well, it's a bit of weak sunshine, but it's not that\n\nChannel 0: Not too cold, I hope.\n\nChannel 1: great. No. It's not too bad. Yep. It's been worse.\n\nChannel 0: Fair enough, mate. I've got some updated insurance quotes for you\n\nChannel 1: Yes.\n\nChannel 0: after our last discussion. Do\n\nChannel 1: Yes.\n\nChannel 0: you mind if I just go through a quick security\n\nChannel 1: No.\n\nChannel 0: check with you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Easy. So I'm registered with Asic as Adviser1273105. Can I\n\nChannel 1: Yep.\n\nChannel 0: just confirm your date of birth and address?\n\nChannel 1: Sixteenth of the ninth, nineteen seventy three, and it's 9 Eastern Road, Stratford, Victoria 355, A.\n\nChannel 0: Sensational. Thank you very much for that, mate. Now I've had a bit of a back and forth with the old I double o s on\n\nChannel 1: Mhmm.\n\nChannel 0: the it was the life insurance we were trying to top up a little bit.\n\nChannel 1: Yes. Correct. Yep.\n\nChannel 0: Yep. So I've got some sort of preliminary figures here for you. They will change a little bit just because their their quotes are a little bit wonky. So\n\nChannel 1: Yep.\n\nChannel 0: I'll kind of break down what you've got, what they're talking about, and kind of what your options are.\n\nChannel 1: Yep.\n\nChannel 0: So after any sort of previous claims or anything like that, you've got about a $100 worth of life and CBD cover put into,\n\nChannel 1: Right.\n\nChannel 0: like, group cover for half and some additional cover for the other half.\n\nChannel 1: Yep. Right.\n\nChannel 0: Now that's costing you about $303 a year, and\n\nChannel 1: Yep.\n\nChannel 0: there's a bit of income protection on top, which is, like, another $6.90 for the\n\nChannel 1: Yep.\n\nChannel 0: income protection policy. Now what they're sort of telling me is that to increase the life insurance up to about 450,000, it'll go up another $877.\n\nChannel 1: Yep. Right. Okay.\n\nChannel 0: So it'll go up to $1.01 $8.00 and\n\nChannel 1: Yep.\n\nChannel 0: then the income protection on top. So just just shy of $2 altogether.\n\nChannel 1: Okay.\n\nChannel 0: Now what I was kind of doing too is we had put in through the last time that you've obviously got the multiple income sources.\n\nChannel 1: Yep.\n\nChannel 0: And I think correct me if I'm wrong, but you're getting contributions just on the agricultural work, which I think\n\nChannel 1: Correct.\n\nChannel 0: you're only about $30 from that. Right?\n\nChannel 1: Yep. Yep. That's put on. Yep.\n\nChannel 0: Cool. So before talking about anything sort of health related, my flag point for premiums getting a little bit high is\n\nChannel 1: Yes.\n\nChannel 0: about 30% of your contribution.\n\nChannel 1: Yep.\n\nChannel 0: So that would be about a thousand and $80 I would start to worry.\n\nChannel 1: Yep.\n\nChannel 0: And you're just shy of 1,000 now for the life, the TPD, and the income protection, and this will\n\nChannel 1: Yep.\n\nChannel 0: bump it up to, again, about 1,900.\n\nChannel 1: Yep.\n\nChannel 0: So it'll be a decent chunk of your contributions.\n\nChannel 1: Yep.\n\nChannel 0: If I kind of work that out a little bit, we'll go 1,900. Yeah. So it'll be it's it's coming out to be more than half of your contributions for\n\nChannel 1: Yep.\n\nChannel 0: those premiums.\n\nChannel 1: Alright.\n\nChannel 0: K? The other worry that I've got, not too big a deal, but it is something that I'm not I wasn't able to confirm with them, is you went through a bit of a pre assessment with Caden for me, which\n\nChannel 1: Yeah.\n\nChannel 0: is amazing, just to\n\nChannel 1: Yep.\n\nChannel 0: go through health questions.\n\nChannel 1: Yep.\n\nChannel 0: Not too much of a worry for the old knee surgery. Hernia is not too bad. The only thing that I think was a concern was high blood pressure.\n\nChannel 1: Yep.\n\nChannel 0: Now if there's high blood pressure that tends to apply loading where\n\nChannel 1: Yep.\n\nChannel 0: if it's not sort of well controlled with medication, they tend to either bump up the price by another 50% at least, or\n\nChannel 1: Yep.\n\nChannel 0: they may even not offer cover until it's stable with medication.\n\nChannel 1: Yep.\n\nChannel 0: So I want to flag that with you as well. Premium is getting a bit high, and\n\nChannel 1: Mhmm.\n\nChannel 0: you might get a bump up again. So if they bump up a loading, you're looking at, like, $2.5, and that's pretty much all your contribution going. And they might want you to be going some history\n\nChannel 1: Yep.\n\nChannel 0: of stable medications first.\n\nChannel 1: Yep. Because, yeah, I'm not on medication for it. They tested me for it because I said it was getting getting higher, and I wanted to see what was going on. That was it. So\n\nChannel 0: Gotcha. So warning signs, but they haven't flagged you\n\nChannel 1: no.\n\nChannel 0: as\n\nChannel 1: They could\n\nChannel 0: five.\n\nChannel 1: no.\n\nChannel 0: Okay. Cool. So that's not too big of an issue. Now they're not very forthcoming with their underwriting. So, normally, life insurance,\n\nChannel 1: Yep.\n\nChannel 0: you don't really get, like, exclusions for body parts.\n\nChannel 1: Yep.\n\nChannel 0: It's mainly health related. So, like,\n\nChannel 1: Yep.\n\nChannel 0: the tendons and the knees is okay. Back strain is usually okay. It's really just the pricing that was a bit of a worry.\n\nChannel 1: Yep.\n\nChannel 0: So I just\n\nChannel 1: Do\n\nChannel 0: wanted\n\nChannel 1: you\n\nChannel 0: to\n\nChannel 1: do\n\nChannel 0: kind of run\n\nChannel 1: you\n\nChannel 0: by\n\nChannel 1: suggest\n\nChannel 0: you and sort of think.\n\nChannel 1: do you suggest PACE life insurance another through another source or something?\n\nChannel 0: Possibly. Possibly. I've been trying to quote around elsewhere in the market a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Might be possible. What I can do is pop through some updated quotes with some\n\nChannel 1: Yep.\n\nChannel 0: other insurers maybe.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: And then, again, it's just it's just a bit of a trade off in terms of we can bump it up, but then it's gonna obviously hurt the contributions there. So\n\nChannel 1: Yep.\n\nChannel 0: it's just about what you're comfortable doing, you know, which one you prioritize over the other.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Any thoughts on again, like, if you were to lean between them, is it like a fifty fifty priority between the contributions and and having the insurance there, or do you\n\nChannel 1: Well,\n\nChannel 0: lean towards\n\nChannel 1: they don't\n\nChannel 0: one more\n\nChannel 1: see.\n\nChannel 0: than\n\nChannel 1: I don't\n\nChannel 0: the other?\n\nChannel 1: I don't I mean, I don't really think about that one. That's stupid to be truthful. It's more of the other one I've got. So yeah. So that doesn't really warrant me too greatly for half of it to come in and put, like, you know, admin fees or whatever the insurance premiums.\n\nSo that doesn't greatly I mean, I prefer if it wasn't, but if that's the way it's gotta be, that's why it's gotta be copying. So I'm just looking at, you know, more covering the increasing the insurance amount just in case something. The same did happen. I'm like a diet or whatever.\n\nChannel 0: Yeah. So in terms of the the levels of cover, let's say you've got a 100 now with I, double o, f.\n\nChannel 1: Yep.\n\nChannel 0: We were gonna bump it up to around that kind of $4.50 mark in total\n\nChannel 1: Yep.\n\nChannel 0: for the life insurance.\n\nChannel 1: Yep.\n\nChannel 0: So I can try and get some quotes with other insurers for about $3.50,\n\nChannel 1: Yep.\n\nChannel 0: and then I'll get a final alteration with I, double f, and then see what that looks like. And whichever one comes out better, I can kind of recommend for\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: you. Cool. And if you're happy with that, mate, I'll go dive into the updated quote\n\nChannel 1: Yep.\n\nChannel 0: call around. And then because I'm off next week, I'll get the team\n\nChannel 1: Yep.\n\nChannel 0: to kind of book in with you after that, and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: can run through it together.\n\nChannel 1: Sounds good.\n\nChannel 0: Awesome. Awesome. Alright. That gives me a good idea. I'll run off and do that.\n\nAny questions for me at this point?\n\nChannel 1: No. No. No. You're doing well so far. So\n\nChannel 0: I'm just trying to do right by you, Nathan.\n\nChannel 1: Yep.\n\nChannel 0: And, again, my job is to to give you the options and then see what's best.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Alrighty. Look. I appreciate the time today. Just quickly before I go, any sort of major changes now that we've hit the the end of financial year in terms of the income or anything like that?\n\nChannel 1: Not now. It's all about the same. Yep.\n\nChannel 0: Beautiful. Alrighty.\n\nChannel 1: Yep.\n\nChannel 0: Well, leave it with me. I'll get some updated research, and I'll talk to you within the fortnight.\n\nChannel 1: Sounds good.\n\nChannel 0: Amazing. Have a great weekend,\n\nChannel 1: Okay.\n\nChannel 0: mate. Cheers.\n\nChannel 1: You too. Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Ethan speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.026912239380180836}],"sentiment":"neutral","sentiment_score":0.026912239380180836,"channel":1,"num_words":2,"start":0.24,"end":0.98},{"sentences":[{"text":"Good day, Nathan.","start":2.32,"end":3.04,"sentiment":"positive","sentiment_score":0.34367867310841876},{"text":"It's Tommy here, senior adviser of Humane.","start":3.04,"end":5.04,"sentiment":"neutral","sentiment_score":0.2059826659304755},{"text":"How are you doing?","start":5.04,"end":5.94,"sentiment":"neutral","sentiment_score":0.19128130748867989}],"sentiment":"neutral","sentiment_score":0.2312885650566646,"channel":0,"num_words":14,"start":2.32,"end":5.94},{"sentences":[{"text":"Good.","start":6.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.2657583951950073},{"text":"How are you?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.18622133135795593}],"sentiment":"neutral","sentiment_score":0.20610559731721878,"channel":1,"num_words":4,"start":6.08,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.263187974691391},{"text":"Living the dream.","start":7.8399997,"end":8.4,"sentiment":"positive","sentiment_score":0.4405711789925893},{"text":"It's a beautiful day on the Gold Coast.","start":8.4,"end":9.92,"sentiment":"positive","sentiment_score":0.6350484192371368},{"text":"What about your end?","start":9.92,"end":10.9,"sentiment":"neutral","sentiment_score":0.1076747439801693}],"sentiment":"positive","sentiment_score":0.4434992400929332,"channel":0,"num_words":16,"start":7.52,"end":10.9},{"sentences":[{"text":"Well, it's a bit of weak sunshine, but it's not that","start":11.84,"end":14.924999,"sentiment":"neutral","sentiment_score":-0.07946638830683449}],"sentiment":"neutral","sentiment_score":-0.07946638830683449,"channel":1,"num_words":11,"start":11.84,"end":14.924999},{"sentences":[{"text":"Not too cold, I hope.","start":16.175,"end":17.635,"sentiment":"neutral","sentiment_score":-0.10582979619503022}],"sentiment":"neutral","sentiment_score":-0.10582979619503022,"channel":0,"num_words":5,"start":16.175,"end":17.635},{"sentences":[{"text":"great.","start":17.305,"end":17.705,"sentiment":"neutral","sentiment_score":0.1596543788909912},{"text":"No.","start":17.705,"end":18.025,"sentiment":"neutral","sentiment_score":-0.022553585469722748},{"text":"It's not too bad.","start":18.025,"end":18.985,"sentiment":"neutral","sentiment_score":-0.0420395964756608},{"text":"Yep.","start":18.985,"end":19.224998,"sentiment":"neutral","sentiment_score":-0.01741058938205242},{"text":"It's been 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fine.","start":31.3,"end":32.04,"sentiment":"neutral","sentiment_score":0.1475072056055069}],"sentiment":"neutral","sentiment_score":0.11747018496195476,"channel":1,"num_words":3,"start":30.98,"end":32.04},{"sentences":[{"text":"Easy.","start":32.7,"end":33.02,"sentiment":"neutral","sentiment_score":0.15695568919181824},{"text":"So I'm registered with Asic as Adviser1273105.","start":33.02,"end":37.5,"sentiment":"neutral","sentiment_score":0.05523830918329103},{"text":"Can I","start":37.5,"end":37.9,"sentiment":"neutral","sentiment_score":0.03120199590921402}],"sentiment":"neutral","sentiment_score":0.060602784529328345,"channel":0,"num_words":10,"start":32.7,"end":37.9},{"sentences":[{"text":"Yep.","start":37.86,"end":38.36,"sentiment":"neutral","sentiment_score":0.02513793669641018}],"sentiment":"neutral","sentiment_score":0.02513793669641018,"channel":1,"num_words":1,"start":37.86,"end":38.36},{"sentences":[{"text":"just confirm your date of birth and address?","start":37.9,"end":40.095,"sentiment":"neutral","sentiment_score":0.025021987734362483}],"sentiment":"neutral","sentiment_score":0.025021987734362483,"channel":0,"num_words":8,"start":37.9,"end":40.095},{"sentences":[{"text":"Sixteenth of the ninth, nineteen seventy three, and it's 9 Eastern Road, Stratford, Victoria 355, A.","start":40.82,"end":47.615,"sentiment":"neutral","sentiment_score":0.013677164795808494}],"sentiment":"neutral","sentiment_score":0.013677164795808494,"channel":1,"num_words":16,"start":40.82,"end":47.615},{"sentences":[{"text":"Sensational.","start":49.055,"end":49.555,"sentiment":"neutral","sentiment_score":0.034966446459293365},{"text":"Thank you very much for that, mate.","start":49.695,"end":51.315002,"sentiment":"positive","sentiment_score":0.45881614089012146},{"text":"Now I've had a bit of a back and forth with the old I double o s 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whatever.","start":404.105,"end":405.485,"sentiment":"neutral","sentiment_score":0.015593470695118109}],"sentiment":"neutral","sentiment_score":-0.02926984875691387,"channel":1,"num_words":53,"start":385.145,"end":405.485},{"sentences":[{"text":"Yeah.","start":407.065,"end":407.385,"sentiment":"neutral","sentiment_score":0.043635014444589615},{"text":"So in terms of the the levels of cover, let's say you've got a 100 now with I, double o, f.","start":407.385,"end":413.085,"sentiment":"neutral","sentiment_score":0.03950118894378344}],"sentiment":"neutral","sentiment_score":0.039689090102910995,"channel":0,"num_words":22,"start":407.065,"end":413.085},{"sentences":[{"text":"Yep.","start":413.08002,"end":413.58002,"sentiment":"neutral","sentiment_score":0.08831280469894409}],"sentiment":"neutral","sentiment_score":0.08831280469894409,"channel":1,"num_words":1,"start":413.08002,"end":413.58002},{"sentences":[{"text":"We were gonna bump it up to around that kind of $4.50 mark in total","start":414.425,"end":418.26498,"sentiment":"neutral","sentiment_score":0.07276691223184267}],"sentiment":"neutral","sentiment_score":0.07276691223184267,"channel":0,"num_words":15,"start":414.425,"end":418.26498},{"sentences":[{"text":"Yep.","start":418.2,"end":418.7,"sentiment":"neutral","sentiment_score":0.08514036983251572}],"sentiment":"neutral","sentiment_score":0.08514036983251572,"channel":1,"num_words":1,"start":418.2,"end":418.7},{"sentences":[{"text":"for the life insurance.","start":418.26498,"end":419.325,"sentiment":"neutral","sentiment_score":0.08032981865108013}],"sentiment":"neutral","sentiment_score":0.08032981865108013,"channel":0,"num_words":4,"start":418.26498,"end":419.325},{"sentences":[{"text":"Yep.","start":421.32,"end":421.82,"sentiment":"neutral","sentiment_score":0.10434983670711516}],"sentiment":"neutral","sentiment_score":0.10434983670711516,"channel":1,"num_words":1,"start":421.32,"end":421.82},{"sentences":[{"text":"So I can try and get some quotes with other insurers for about $3.50,","start":421.46,"end":426.12,"sentiment":"neutral","sentiment_score":0.10777619081948485}],"sentiment":"neutral","sentiment_score":0.10777619081948485,"channel":0,"num_words":14,"start":421.46,"end":426.12},{"sentences":[{"text":"Yep.","start":426.695,"end":427.195,"sentiment":"neutral","sentiment_score":0.08005139231681824}],"sentiment":"neutral","sentiment_score":0.08005139231681824,"channel":1,"num_words":1,"start":426.695,"end":427.195},{"sentences":[{"text":"and then I'll get a final alteration with I, double f, and then see what that looks like.","start":426.97998,"end":432.41998,"sentiment":"neutral","sentiment_score":0.08560130703780386},{"text":"And whichever one comes out better, I can kind of recommend 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team","start":445.595,"end":448.475,"sentiment":"neutral","sentiment_score":0.09586427767168391}],"sentiment":"neutral","sentiment_score":0.10355933755636215,"channel":0,"num_words":13,"start":444.715,"end":448.475},{"sentences":[{"text":"Yep.","start":448.43,"end":448.93,"sentiment":"neutral","sentiment_score":0.10592629015445708}],"sentiment":"neutral","sentiment_score":0.10592629015445708,"channel":1,"num_words":1,"start":448.43,"end":448.93},{"sentences":[{"text":"to kind of book in with you after that, and","start":448.475,"end":451.54,"sentiment":"neutral","sentiment_score":0.11644157692790032}],"sentiment":"neutral","sentiment_score":0.11644157692790032,"channel":0,"num_words":10,"start":448.475,"end":451.54},{"sentences":[{"text":"Yeah.","start":451.38998,"end":451.46997,"sentiment":"neutral","sentiment_score":0.08143176883459091},{"text":"Yeah.","start":451.46997,"end":451.62997,"sentiment":"neutral","sentiment_score":0.10442201793193816}],"sentiment":"neutral","sentiment_score":0.09292689338326454,"channel":1,"num_words":2,"start":451.38998,"end":451.62997},{"sentences":[{"text":"we","start":451.54,"end":451.7,"sentiment":"neutral","sentiment_score":0.11050619184970856}],"sentiment":"neutral","sentiment_score":0.11050619184970856,"channel":0,"num_words":1,"start":451.54,"end":451.7},{"sentences":[{"text":"Yeah.","start":451.62997,"end":452.12997,"sentiment":"neutral","sentiment_score":0.11220754683017732}],"sentiment":"neutral","sentiment_score":0.11220754683017732,"channel":1,"num_words":1,"start":451.62997,"end":452.12997},{"sentences":[{"text":"can run through it together.","start":451.7,"end":452.92,"sentiment":"neutral","sentiment_score":0.16466238498687744}],"sentiment":"neutral","sentiment_score":0.16466238498687744,"channel":0,"num_words":5,"start":451.7,"end":452.92},{"sentences":[{"text":"Sounds good.","start":453.15,"end":454.05,"sentiment":"positive","sentiment_score":0.4899398684501648}],"sentiment":"positive","sentiment_score":0.4899398684501648,"channel":1,"num_words":2,"start":453.15,"end":454.05},{"sentences":[{"text":"Awesome.","start":455.46,"end":455.94,"sentiment":"positive","sentiment_score":0.5902631282806396},{"text":"Awesome.","start":455.94,"end":456.34,"sentiment":"positive","sentiment_score":0.5469150543212891},{"text":"Alright.","start":456.34,"end":456.74,"sentiment":"positive","sentiment_score":0.4360844790935517},{"text":"That gives me a good idea.","start":456.74,"end":458.12,"sentiment":"positive","sentiment_score":0.5463876227537791},{"text":"I'll run off and do that.","start":458.58,"end":459.62,"sentiment":"neutral","sentiment_score":0.24160364270210266}],"sentiment":"positive","sentiment_score":0.42008068362871803,"channel":0,"num_words":15,"start":455.46,"end":459.62},{"sentences":[{"text":"Any questions for me at this point?","start":459.62,"end":461.32,"sentiment":"neutral","sentiment_score":0.0838491820863315}],"sentiment":"neutral","sentiment_score":0.0838491820863315,"channel":0,"num_words":7,"start":459.62,"end":461.32},{"sentences":[{"text":"No.","start":461.305,"end":461.54498,"sentiment":"neutral","sentiment_score":-0.09077487885951996},{"text":"No.","start":461.54498,"end":461.865,"sentiment":"neutral","sentiment_score":-0.09319348633289336},{"text":"No.","start":461.865,"end":462.185,"sentiment":"neutral","sentiment_score":-0.11771489679813384},{"text":"You're doing well so far.","start":462.185,"end":463.54498,"sentiment":"neutral","sentiment_score":-0.0056162551045417786},{"text":"So","start":463.54498,"end":463.705,"sentiment":"neutral","sentiment_score":-0.013588868081569672}],"sentiment":"neutral","sentiment_score":-0.03815037839942508,"channel":1,"num_words":9,"start":461.305,"end":463.705},{"sentences":[{"text":"I'm just trying to do right by you, Nathan.","start":466.48502,"end":469.30502,"sentiment":"neutral","sentiment_score":0.027544278651475906}],"sentiment":"neutral","sentiment_score":0.027544278651475906,"channel":0,"num_words":9,"start":466.48502,"end":469.30502},{"sentences":[{"text":"Yep.","start":469.625,"end":470.125,"sentiment":"neutral","sentiment_score":0.07428281754255295}],"sentiment":"neutral","sentiment_score":0.07428281754255295,"channel":1,"num_words":1,"start":469.625,"end":470.125},{"sentences":[{"text":"And, again, my job is to to give you the options and then see what's best.","start":469.765,"end":473.70502,"sentiment":"neutral","sentiment_score":0.06210104376077652}],"sentiment":"neutral","sentiment_score":0.06210104376077652,"channel":0,"num_words":16,"start":469.765,"end":473.70502},{"sentences":[{"text":"Yep.","start":474.08002,"end":474.58002,"sentiment":"neutral","sentiment_score":0.1511276364326477},{"text":"Sounds good.","start":476.16,"end":476.9,"sentiment":"positive","sentiment_score":0.34776344895362854}],"sentiment":"neutral","sentiment_score":0.2822181781133016,"channel":1,"num_words":3,"start":474.08002,"end":476.9},{"sentences":[{"text":"Alrighty.","start":477.94,"end":478.26,"sentiment":"neutral","sentiment_score":0.20554262399673465},{"text":"Look.","start":478.26,"end":478.5,"sentiment":"neutral","sentiment_score":0.288949191570282},{"text":"I appreciate the time today.","start":478.5,"end":479.78,"sentiment":"positive","sentiment_score":0.46517856121063234},{"text":"Just quickly before I go, any sort of major changes now that we've hit the the end of financial year in terms of the income or anything like that?","start":479.78,"end":487.32,"sentiment":"neutral","sentiment_score":0.02581685757392953}],"sentiment":"neutral","sentiment_score":0.09914093031289263,"channel":0,"num_words":36,"start":477.94,"end":487.32},{"sentences":[{"text":"Not now.","start":487.04498,"end":487.685,"sentiment":"neutral","sentiment_score":-0.102665476500988},{"text":"It's all about the same.","start":487.685,"end":489.04498,"sentiment":"neutral","sentiment_score":-0.03931473344564438},{"text":"Yep.","start":489.04498,"end":489.54498,"sentiment":"neutral","sentiment_score":0.10628695785999298}],"sentiment":"neutral","sentiment_score":-0.036952207796275616,"channel":1,"num_words":8,"start":487.04498,"end":489.54498},{"sentences":[{"text":"Beautiful.","start":490.98,"end":491.48,"sentiment":"positive","sentiment_score":0.3761560916900635},{"text":"Alrighty.","start":491.865,"end":492.265,"sentiment":"neutral","sentiment_score":0.1692282259464264}],"sentiment":"neutral","sentiment_score":0.27269215881824493,"channel":0,"num_words":2,"start":490.98,"end":492.265},{"sentences":[{"text":"Yep.","start":491.925,"end":492.425,"sentiment":"neutral","sentiment_score":0.07526986300945282}],"sentiment":"neutral","sentiment_score":0.07526986300945282,"channel":1,"num_words":1,"start":491.925,"end":492.425},{"sentences":[{"text":"Well, leave it with me.","start":492.265,"end":493.065,"sentiment":"neutral","sentiment_score":0.025511949323117733},{"text":"I'll get some updated research, and I'll talk to you within the fortnight.","start":493.065,"end":496.365,"sentiment":"positive","sentiment_score":0.39262508199765134}],"sentiment":"neutral","sentiment_score":0.29064921181028086,"channel":0,"num_words":18,"start":492.265,"end":496.365},{"sentences":[{"text":"Sounds good.","start":496.85095,"end":497.67093,"sentiment":"positive","sentiment_score":0.8664566874504089}],"sentiment":"positive","sentiment_score":0.8664566874504089,"channel":1,"num_words":2,"start":496.85095,"end":497.67093},{"sentences":[{"text":"Amazing.","start":499.145,"end":499.625,"sentiment":"positive","sentiment_score":0.8895208835601807},{"text":"Have a great weekend,","start":499.625,"end":500.425,"sentiment":"positive","sentiment_score":0.8269600421190262}],"sentiment":"positive","sentiment_score":0.8394722104072571,"channel":0,"num_words":5,"start":499.145,"end":500.425},{"sentences":[{"text":"Okay.","start":500.05093,"end":500.55093,"sentiment":"positive","sentiment_score":0.6587544679641724}],"sentiment":"positive","sentiment_score":0.6587544679641724,"channel":1,"num_words":1,"start":500.05093,"end":500.55093},{"sentences":[{"text":"mate.","start":500.425,"end":500.665,"sentiment":"positive","sentiment_score":0.6583220362663269},{"text":"Cheers.","start":500.665,"end":501.165,"sentiment":"positive","sentiment_score":0.7009309530258179}],"sentiment":"positive","sentiment_score":0.6796264946460724,"channel":0,"num_words":2,"start":500.425,"end":501.165},{"sentences":[{"text":"You too.","start":500.85095,"end":501.41095,"sentiment":"positive","sentiment_score":0.5858316123485565},{"text":"Thank you.","start":501.41095,"end":501.97095,"sentiment":"positive","sentiment_score":0.7665521800518036},{"text":"Bye.","start":501.97095,"end":502.47095,"sentiment":"positive","sentiment_score":0.44174009561538696}],"sentiment":"positive","sentiment_score":0.6293015360832215,"channel":1,"num_words":5,"start":500.85095,"end":502.47095},{"sentences":[{"text":"Bye.","start":503.305,"end":503.805,"sentiment":"neutral","sentiment_score":-0.10568874329328536}],"sentiment":"neutral","sentiment_score":-0.10568874329328536,"channel":0,"num_words":1,"start":503.305,"end":503.805}]},"summary":{"result":"success","short":"A senior adviser from Humane named Tommy speaks with Nathan about insurance quotes, which are weak but will break down what Nathan needs to offer. They discuss the possibility of increasing premiums for his life insurance and the potential bump up in premiums if he experiences high blood pressure. The speaker suggests PACE life insurance, which is recommended for reducing health-related costs and improving coverage, and discusses the benefits of PACE life insurance, including reducing health-related costs and improving coverage. They suggest possibly increasing coverage for health-related issues and recommend a new insurance policy. The conversation ends with the speaker offering to provide updated quotes and a follow-up call in a few weeks."},"intents":{"segments":[{"text":"I've got some updated insurance quotes for you Yes.","start_word":65,"end_word":73,"intents":[{"intent":"Update insurance quotes","confidence_score":0.2884584}]},{"text":"you're only about $30 from that. Right? Yep.","start_word":392,"end_word":399,"intents":[{"intent":"Clarify costs","confidence_score":0.0005491405}]},{"text":"it's just about what you're comfortable doing, you know, which one you prioritize over the other. Yep.","start_word":927,"end_word":943,"intents":[{"intent":"Provide recommendations","confidence_score":0.00016463641}]},{"text":"So that doesn't really warrant me too greatly for half of it to come in and put, like, you know, admin fees or whatever the insurance premiums.","start_word":1016,"end_word":1042,"intents":[{"intent":"Discuss insurance options","confidence_score":0.072170496}]},{"text":"And whichever one comes out better, I can kind of recommend for Yep. Yep.","start_word":1172,"end_word":1185,"intents":[{"intent":"Recommend insurance plan","confidence_score":0.013011238}]},{"text":"Sounds good. you. Cool.","start_word":1186,"end_word":1189,"intents":[{"intent":"Confirm understanding","confidence_score":0.01716353}]}]},"sentiments":{"segments":[{"text":"Ethan speaking.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.02691223844885826},{"text":"Good day, Nathan.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.3487434685230255},{"text":"It's Tommy here, senior adviser of Humane. How are you doing? Good. How are you? Yeah.","start_word":5,"end_word":20,"sentiment":"neutral","sentiment_score":0.2170818597078323},{"text":"Living the dream. It's a beautiful day on the Gold Coast.","start_word":21,"end_word":31,"sentiment":"positive","sentiment_score":0.5846829414367676},{"text":"What about your end? Well, it's a bit of weak sunshine, but it's not that Not too cold, I hope. great. No. It's not too bad. Yep. It's been worse. Fair enough, mate. I've got some updated insurance quotes for you Yes. after our last discussion. Do Yes. you mind if I just go through a quick security No. check with you? Yep. That's fine. Easy. So I'm registered with Asic as Adviser1273105. Can I Yep. just confirm your date of birth and address? Sixteenth of the ninth, nineteen seventy three, and it's 9 Eastern Road, Stratford, Victoria 355, A. Sensational.","start_word":32,"end_word":132,"sentiment":"neutral","sentiment_score":0.010238472372293472},{"text":"Thank you very much for that, mate.","start_word":133,"end_word":139,"sentiment":"positive","sentiment_score":0.4738673865795135},{"text":"Now I've had a bit of a back and forth with the old I double o s on Mhmm. the it was the life insurance we were trying to top up a little bit. Yes. Correct. Yep. Yep. So I've got some sort of preliminary figures here for you. They will change a little bit just because their their quotes are a little bit wonky. So Yep. I'll kind of break down what you've got, what they're talking about, and kind of what your options are. Yep. So after any sort of previous claims or anything like that, you've got about a $100 worth of life and CBD cover put into, Right. like, group cover for half and some additional cover for the other half. Yep. Right. Now that's costing you about $303 a year, and Yep. there's a bit of income protection on top, which is, like, another $6.90 for the Yep. income protection policy. Now what they're sort of telling me is that to increase the life insurance up to about 450,000, it'll go up another $877. Yep. Right. Okay. So it'll go up to $1.01 $8.00 and Yep. then the income protection on top. So just just shy of $2 altogether. Okay. Now what I was kind of doing too is we had put in through the last time that you've obviously got the multiple income sources. Yep. And I think correct me if I'm wrong, but you're getting contributions just on the agricultural work, which I think Correct. you're only about $30 from that. Right? Yep. Yep. That's put on. Yep.","start_word":140,"end_word":404,"sentiment":"neutral","sentiment_score":-0.009498374079758266},{"text":"Cool.","start_word":405,"end_word":405,"sentiment":"positive","sentiment_score":0.3606189489364624},{"text":"So before talking about anything sort of health related, my flag point for premiums getting a little bit high is Yes. about 30% of your contribution. Yep. So that would be about a thousand and $80 I would start to worry. Yep. And you're just shy of 1,000 now for the life, the TPD, and the income protection, and this will Yep. bump it up to, again, about 1,900. Yep.","start_word":406,"end_word":475,"sentiment":"neutral","sentiment_score":0.05876113474369049},{"text":"So it'll be a decent chunk of your contributions.","start_word":476,"end_word":484,"sentiment":"positive","sentiment_score":0.45634567737579346},{"text":"Yep. If I kind of work that out a little bit, we'll go 1,900. Yeah. So it'll be it's it's coming out to be more than half of your contributions for Yep. those premiums. Alright. K? The other worry that I've got, not too big a deal, but it is something that I'm not I wasn't able to confirm with them, is you went through a bit of a pre assessment with Caden for me, which is Yeah.","start_word":485,"end_word":562,"sentiment":"neutral","sentiment_score":0.03215572610497475},{"text":"amazing, just to Yep.","start_word":563,"end_word":566,"sentiment":"positive","sentiment_score":0.4108535945415497},{"text":"go through health questions. Yep. Not too much of a worry for the old knee surgery. Hernia is not too bad.","start_word":567,"end_word":587,"sentiment":"neutral","sentiment_score":-0.051499709486961365},{"text":"The only thing that I think was a concern was high blood pressure.","start_word":588,"end_word":600,"sentiment":"negative","sentiment_score":-0.4534899592399597},{"text":"Yep. Now if there's high blood pressure that tends to apply loading where Yep.","start_word":601,"end_word":614,"sentiment":"neutral","sentiment_score":-0.27519288659095764},{"text":"if it's not sort of well controlled with medication, they tend to either bump up the price by another 50% at least, or Yep. they may even not offer cover until it's stable with medication.","start_word":615,"end_word":649,"sentiment":"negative","sentiment_score":-0.3810301125049591},{"text":"Yep. So I want to flag that with you as well.","start_word":650,"end_word":660,"sentiment":"neutral","sentiment_score":-0.10113737732172012},{"text":"Premium is getting a bit high, and Mhmm. you might get a bump up again.","start_word":661,"end_word":675,"sentiment":"negative","sentiment_score":-0.3796062171459198},{"text":"So if they bump up a loading, you're looking at, like, $2.5, and that's pretty much all your contribution going. And they might want you to be going some history Yep. of stable medications first. Yep. Because, yeah, I'm not on medication for it. They tested me for it because I said it was getting getting higher, and I wanted to see what was going on. That was it. So Gotcha. So warning signs, but they haven't flagged you no. as They could five. no. Okay. Cool. So that's not too big of an issue. Now they're not very forthcoming with their underwriting. So, normally, life insurance, Yep. you don't really get, like, exclusions for body parts. Yep. It's mainly health related. So, like, Yep. the tendons and the knees is okay. Back strain is usually okay. It's really just the pricing that was a bit of a worry. Yep. So I just Do wanted you to do kind of run you by suggest you and sort of think. do you suggest PACE life insurance another through another source or something? Possibly. Possibly. I've been trying to quote around elsewhere in the market a little bit. Yep. Might be possible. What I can do is pop through some updated quotes with some Yep. other insurers maybe. Yep. Sounds good. And then, again, it's just it's just a bit of a trade off in terms of we can bump it up, but then it's gonna obviously hurt the contributions there. So Yep. it's just about what you're comfortable doing, you know, which one you prioritize over the other. Yep. Yep. Any thoughts on again, like, if you were to lean between them, is it like a fifty fifty priority between the contributions and and having the insurance there, or do you Well, lean towards they don't one more see. than I don't the other?","start_word":676,"end_word":988,"sentiment":"neutral","sentiment_score":-0.0741376280784607},{"text":"I don't I mean, I don't really think about that one. That's stupid to be truthful.","start_word":989,"end_word":1004,"sentiment":"negative","sentiment_score":-0.4757670164108277},{"text":"It's more of the other one I've got. So yeah. So that doesn't really warrant me too greatly for half of it to come in and put, like, you know, admin fees or whatever the insurance premiums. So that doesn't greatly I mean, I prefer if it wasn't, but if that's the way it's gotta be, that's why it's gotta be copying. So I'm just looking at, you know, more covering the increasing the insurance amount just in case something. The same did happen. I'm like a diet or whatever. Yeah. So in terms of the the levels of cover, let's say you've got a 100 now with I, double o, f. Yep. We were gonna bump it up to around that kind of $4.50 mark in total Yep. for the life insurance. Yep. So I can try and get some quotes with other insurers for about $3.50, Yep. and then I'll get a final alteration with I, double f, and then see what that looks like. And whichever one comes out better, I can kind of recommend for Yep. Yep.","start_word":1005,"end_word":1185,"sentiment":"neutral","sentiment_score":-0.0023480730635520503},{"text":"Sounds good. you. Cool.","start_word":1186,"end_word":1189,"sentiment":"positive","sentiment_score":0.4758613705635071},{"text":"And if you're happy with that, mate, I'll go dive into the updated quote Yep. call around. And then because I'm off next week, I'll get the team Yep. to kind of book in with you after that, and Yeah. Yeah. we Yeah. can run through it together.","start_word":1190,"end_word":1237,"sentiment":"neutral","sentiment_score":0.16082075238227844},{"text":"Sounds good. Awesome. Awesome. Alright. That gives me a good idea.","start_word":1238,"end_word":1248,"sentiment":"positive","sentiment_score":0.5228521823883057},{"text":"I'll run off and do that. Any questions for me at this point? No. No. No. You're doing well so far. So I'm just trying to do right by you, Nathan. Yep. And, again, my job is to to give you the options and then see what's best. Yep.","start_word":1249,"end_word":1297,"sentiment":"neutral","sentiment_score":0.06110404059290886},{"text":"Sounds good.","start_word":1298,"end_word":1299,"sentiment":"positive","sentiment_score":0.3348734378814697},{"text":"Alrighty. Look.","start_word":1300,"end_word":1301,"sentiment":"neutral","sentiment_score":0.23334482312202456},{"text":"I appreciate the time today.","start_word":1302,"end_word":1306,"sentiment":"positive","sentiment_score":0.4609412550926209},{"text":"Just quickly before I go, any sort of major changes now that we've hit the the end of financial year in terms of the income or anything like that? Not now. It's all about the same. Yep.","start_word":1307,"end_word":1343,"sentiment":"neutral","sentiment_score":0.009089888073503973},{"text":"Beautiful.","start_word":1344,"end_word":1344,"sentiment":"positive","sentiment_score":0.3761560916900635},{"text":"Alrighty. Yep. Well, leave it with me.","start_word":1345,"end_word":1351,"sentiment":"neutral","sentiment_score":0.0833854228258133},{"text":"I'll get some updated research, and I'll talk to you within the fortnight. Sounds good. Amazing. Have a great weekend, Okay. mate. Cheers. You too. Thank you. Bye.","start_word":1352,"end_word":1379,"sentiment":"positive","sentiment_score":0.5750789046287537},{"text":"Bye.","start_word":1380,"end_word":1380,"sentiment":"neutral","sentiment_score":0.27627527713775635}],"average":{"sentiment":"neutral","sentiment_score":0.007377532839248904}}}}