{"metadata":{"transaction_key":"deprecated","request_id":"e3b4169b-9012-45d1-80ea-31600c390146","sha256":"6ab2026c909eced398b1a83e39f1ad43d8e16a8cb0f4b12527fb8d8e4dcf95d7","created":"2026-03-23T01:49:16.779Z","duration":738.64795,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2900,"output_tokens":72},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3213,"output_tokens":3220},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3213,"output_tokens":376}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Lynn. It's Kyle calling from Oakview Financial. Hi, Lynn. It's Carl from Oakview Financial. How are you this morning? That's good to hear. I just scheduled in for a bit of a follow-up this morning. Is now still a good time for you? Perfect. Just to jump into that one there today, Lynn, if I could just pass through security with that name, date of birth, and current address, please? Perfect. Thank you for that one, Lynn. Now I don't know if you remember because it was quite a while ago now. I know there was a bit of back and forth ex. We originally went to the SOA, and then we found the the trauma policy from when you first came on board that I was unaware of there. And then we've moved it over, and then we just need to have a bit of a catch up in regards to how we'd like to proceed in terms of that because we were looking at insurance reduction and that investment update inside your superannuation, if you remember. And then, yeah, just with the trauma policy as well, you do have, like, a a family protection as well as, like, a trauma policy for that and just seeing how you wanted to proceed with that as well in terms of, like, if you did wanna reduce those cover amounts. At the moment, when I brought them up just for the so the the crisis, which is, like, your trauma is around 166 for your yourself, and then for each of the kids, about 16,600 for those. You're happy to keep the the trauma amount as is in paying that monthly benefit? So at the moment, it's as annualized premium is $2,747 and a monthly amount around the $230 a month for for those. Yes. So it is quite up there. I know originally sort of from the original advice and discussions around your your cover and what you wanted to be covered for, you did wanna look at cutting back on your your TPD and and life there as well just to make it so it was a bit more affordable and just giving you a current level of debt. And then, yeah, when the trauma policy came up, we didn't proceed with presenting the advice piece just based on the fact that I wasn't aware of it before creating the advice piece, and then we got it moved over per the original recommendation you did have, so we had visibility on it. And just for the past few months of the year, we were just sort of unable to get a hold of you and get you booked in, if that makes sense. Make a difference in cost if that's sort of what you're gonna. Yep. I can sort of request a quote there for you. How much do you think you feel you'd be comfortable with with that? Because let me just have a quick look. The the child cover isn't a huge expense. The main expense there is in regards to your own, so we could look at reducing that down potentially. So trauma cover or, like, the crisis recovery, it depends on the PDFs, but, generally, it's for, like, traumatic events and things like that that don't sort of fall into regards to you know, it's like heart attacks, strokes, things like that. Obviously, I'd have to look at the PDFs and see the exact cover and what it covers you for. Obviously, when you have an injury at work, you can potentially be covered by some form of workers' comp yeah. And then this is sort of like the bridge between TBD insurance and income protection insurance where you may not be injured to the point where you have to take more than a month off work or you sort of may not be injured to the point where unable to work. But it just means that you're able to have some yeah. All sort of medical costs when it comes to certain health conditions that do arise and the ones you are covered for. 166,000. Some of the older ones can be done as sort of like like paid out like in in bits, but it's generally a lump sum figure in regards to yeah. It's we're up around a bit over 1,000,000 now because we're looking at that reduction originally, but we didn't do. I think the original recommendation was gonna be around the $7.50 mark. Yeah. Yeah. The the income protection on that one is quite high in terms of, like, the cost, which is what we're gonna address as well with that. Because original recommend just for the life and TPD portions, which from the discussions we did have, I'll just show you there. Because at the moment, your yearly premiums for just the life TPD and IP is around the $10,000 mark. We're gonna look at reducing life and TPD around $7.50 and then reduce your income protection cover amount down to around $3,750 as a monthly benefit just on the amount that you're able to claim on and then keeping the waiting period and benefit period the same. But we could also look at reducing the waiting period and benefit period to help reduce the the cost out of your superannuation as well. We we're gonna put it just at the 750,000, which covers your debt and then then some. Okay. Do you want yeah. No. Understandable. Do you want me to email you your certificates of currencies for your two products, and then you can have a look over them there, Lynn, and we can have another discussion after you've had a chance to review them? Yeah. Well, at at the moment, it's income protection policy that is the the more expensive one just due to the age because it is a more comprehensive policy being it is an older policy. Otherwise, we might potentially look at returning to market. It also covers you all the way up to the age of 65, and we can look at trying to change that. Obviously, some of the older policies, you can't, but we can see if we can change that down to a benefit period of five years, which just means that if something did occur to you and you ended up on a claim, it means it'd only pay for up to five years, not until the eight up to the age of 65. If that makes sense, then that can also help reduce those costs down. Yep. Yeah. It basically, what happened was sort of last year, we'd sort of we're gonna go through that recommendation, but we found the trauma policy so everything's remained the same since since we're not then I'm able to to reach you there, which is fine. So with that one, if we were to update the adviser, then we do have to update some details and things like that. But if you wanna have a read through that first, you can sort of even request a couple of quotes on what sort of different sums you might wanna have a look at in terms of, like, the pricing and the difference, and we can request those quotes for you and just to see what price difference that makes for you. But just respond to that email, and then once you sort of make a bit more of a decision around what you potentially might want, we can have another conversation, update your details, and get that advice piece back out to you. Yeah. And then with that, we were gonna update your superannuation investments, which was the main thing there. Obviously, given everything with the war and everything, it has taken a bit of a dive. And then also because you have I know we had that discussion around Benelong and changing that Benelong out. It is quite a heavy weighting in your portfolio, and it's done quite poorly on the back end of that year where we're unable to reach you there as well. So we still need to look at updating that with your advice piece as well even with the insurances or even if you decide to keep the level of insurance cover you hold, if that makes sense. Yes. So towards the back end of last year, they had an underlying investment called corporate traveler, which wasn't accounting correctly, and they were done for not accounting correctly. And then with that, they've had to reevaluate that stock. It was put on trading hold, and as a result, it caused Ben Long to take quite a dip. And then in conjunction with what's happening with the wars and everything has caused it to dip a bit further with that, if that makes sense. So over a twelve month period, I think it's down around 5% your superannuation from the results of that and then the war that started this this year. Yeah. But we can definitely look at like I said, we had the recommendation to update that portfolio previously. It's just with the insurance side of things that held it up there a bit. And obviously, you had a busy back end of the year, which is perfectly understandable coming into Christmas and everything and probably some other things. But Yep. I can are you available sorta just next week or next week in an afternoon or something to have a discussion after you've had a chance over the weekend to have a look at those and finalize everything there? I'm sorry. I'll look. Would Tuesday around 12:00 still work for you? Yeah. Tuesday, thirty first there. And we can look at getting that all finalized and getting that advice piece out to you and updating those investments and those insurances there for you, Leland. Not a problem. And then, yeah, we'll just update all your details and everything then and make sure that's all accurate and up to date as well. No problem, Lynn. Well, I'll shoot you that off that email after I get off the phone here, and then just let us know if you have any questions or want any specific quotes for that appointment to go over. No problem then. You enjoy the rest of your day. Thanks for your time. Thanks. 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morning, Lynn. It's Kyle calling from Oakview Financial. Hi, Lynn. It's Carl from Oakview Financial. How are you this morning?\n\nThat's good to hear. I just scheduled in for a bit of a follow-up this morning. Is now still a good time for you? Perfect. Just to jump into that one there today, Lynn, if I could just pass through security with that name, date of birth, and current address, please?\n\nPerfect. Thank you for that one, Lynn. Now I don't know if you remember because it was quite a while ago now. I know there was a bit of back and forth ex. We originally went to the SOA, and then we found the the trauma policy from when you first came on board that I was unaware of there.\n\nAnd then we've moved it over, and then we just need to have a bit of a catch up in regards to how we'd like to proceed in terms of that because we were looking at insurance reduction and that investment update inside your superannuation, if you remember. And then, yeah, just with the trauma policy as well, you do have, like, a a family protection as well as, like, a trauma policy for that and just seeing how you wanted to proceed with that as well in terms of, like, if you did wanna reduce those cover amounts. At the moment, when I brought them up just for the so the the crisis, which is, like, your trauma is around 166 for your yourself, and then for each of the kids, about 16,600 for those. You're happy to keep the the trauma amount as is in paying that monthly benefit? So at the moment, it's as annualized premium is $2,747 and a monthly amount around the $230 a month for for those.\n\nYes. So it is quite up there. I know originally sort of from the original advice and discussions around your your cover and what you wanted to be covered for, you did wanna look at cutting back on your your TPD and and life there as well just to make it so it was a bit more affordable and just giving you a current level of debt. And then, yeah, when the trauma policy came up, we didn't proceed with presenting the advice piece just based on the fact that I wasn't aware of it before creating the advice piece, and then we got it moved over per the original recommendation you did have, so we had visibility on it. And just for the past few months of the year, we were just sort of unable to get a hold of you and get you booked in, if that makes sense.\n\nMake a difference in cost if that's sort of what you're gonna. Yep. I can sort of request a quote there for you. How much do you think you feel you'd be comfortable with with that? Because let me just have a quick look.\n\nThe the child cover isn't a huge expense. The main expense there is in regards to your own, so we could look at reducing that down potentially. So trauma cover or, like, the crisis recovery, it depends on the PDFs, but, generally, it's for, like, traumatic events and things like that that don't sort of fall into regards to you know, it's like heart attacks, strokes, things like that. Obviously, I'd have to look at the PDFs and see the exact cover and what it covers you for. Obviously, when you have an injury at work, you can potentially be covered by some form of workers' comp yeah.\n\nAnd then this is sort of like the bridge between TBD insurance and income protection insurance where you may not be injured to the point where you have to take more than a month off work or you sort of may not be injured to the point where unable to work. But it just means that you're able to have some yeah. All sort of medical costs when it comes to certain health conditions that do arise and the ones you are covered for. 166,000. Some of the older ones can be done as sort of like like paid out like in in bits, but it's generally a lump sum figure in regards to yeah.\n\nIt's we're up around a bit over 1,000,000 now because we're looking at that reduction originally, but we didn't do. I think the original recommendation was gonna be around the $7.50 mark. Yeah. Yeah. The the income protection on that one is quite high in terms of, like, the cost, which is what we're gonna address as well with that.\n\nBecause original recommend just for the life and TPD portions, which from the discussions we did have, I'll just show you there. Because at the moment, your yearly premiums for just the life TPD and IP is around the $10,000 mark. We're gonna look at reducing life and TPD around $7.50 and then reduce your income protection cover amount down to around $3,750 as a monthly benefit just on the amount that you're able to claim on and then keeping the waiting period and benefit period the same. But we could also look at reducing the waiting period and benefit period to help reduce the the cost out of your superannuation as well. We we're gonna put it just at the 750,000, which covers your debt and then then some.\n\nOkay. Do you want yeah. No. Understandable. Do you want me to email you your certificates of currencies for your two products, and then you can have a look over them there, Lynn, and we can have another discussion after you've had a chance to review them?\n\nYeah. Well, at at the moment, it's income protection policy that is the the more expensive one just due to the age because it is a more comprehensive policy being it is an older policy. Otherwise, we might potentially look at returning to market. It also covers you all the way up to the age of 65, and we can look at trying to change that. Obviously, some of the older policies, you can't, but we can see if we can change that down to a benefit period of five years, which just means that if something did occur to you and you ended up on a claim, it means it'd only pay for up to five years, not until the eight up to the age of 65.\n\nIf that makes sense, then that can also help reduce those costs down. Yep. Yeah. It basically, what happened was sort of last year, we'd sort of we're gonna go through that recommendation, but we found the trauma policy so everything's remained the same since since we're not then I'm able to to reach you there, which is fine. So with that one, if we were to update the adviser, then we do have to update some details and things like that.\n\nBut if you wanna have a read through that first, you can sort of even request a couple of quotes on what sort of different sums you might wanna have a look at in terms of, like, the pricing and the difference, and we can request those quotes for you and just to see what price difference that makes for you. But just respond to that email, and then once you sort of make a bit more of a decision around what you potentially might want, we can have another conversation, update your details, and get that advice piece back out to you. Yeah. And then with that, we were gonna update your superannuation investments, which was the main thing there. Obviously, given everything with the war and everything, it has taken a bit of a dive.\n\nAnd then also because you have I know we had that discussion around Benelong and changing that Benelong out. It is quite a heavy weighting in your portfolio, and it's done quite poorly on the back end of that year where we're unable to reach you there as well. So we still need to look at updating that with your advice piece as well even with the insurances or even if you decide to keep the level of insurance cover you hold, if that makes sense. Yes. So towards the back end of last year, they had an underlying investment called corporate traveler, which wasn't accounting correctly, and they were done for not accounting correctly.\n\nAnd then with that, they've had to reevaluate that stock. It was put on trading hold, and as a result, it caused Ben Long to take quite a dip. And then in conjunction with what's happening with the wars and everything has caused it to dip a bit further with that, if that makes sense. So over a twelve month period, I think it's down around 5% your superannuation from the results of that and then the war that started this this year. Yeah.\n\nBut we can definitely look at like I said, we had the recommendation to update that portfolio previously. It's just with the insurance side of things that held it up there a bit. And obviously, you had a busy back end of the year, which is perfectly understandable coming into Christmas and everything and probably some other things. But Yep. I can are you available sorta just next week or next week in an afternoon or something to have a discussion after you've had a chance over the weekend to have a look at those and finalize everything there?\n\nI'm sorry. I'll look. Would Tuesday around 12:00 still work for you? Yeah. Tuesday, thirty first there.\n\nAnd we can look at getting that all finalized and getting that advice piece out to you and updating those investments and those insurances there for you, Leland. Not a problem. And then, yeah, we'll just update all your details and everything then and make sure that's all accurate and up to date as well. No problem, Lynn. Well, I'll shoot you that off that email after I get off the phone here, and then just let us know if you have any questions or want any specific quotes for that appointment to go over.\n\nNo problem then. You enjoy the rest of your day. Thanks for your time. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Lynn.","start":6.08,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.22756881018479666},{"text":"It's Kyle calling from Oakview Financial.","start":6.8799996,"end":8.98,"sentiment":"neutral","sentiment_score":0.1073395311832428},{"text":"Hi, Lynn.","start":18.495,"end":19.135,"sentiment":"neutral","sentiment_score":0.15087272226810455},{"text":"It's Carl from Oakview Financial.","start":19.135,"end":20.494999,"sentiment":"neutral","sentiment_score":0.14916886985301972},{"text":"How are you this morning?","start":20.494999,"end":21.555,"sentiment":"neutral","sentiment_score":0.23903873264789582}],"sentiment":"neutral","sentiment_score":0.1699774797473635,"num_words":21,"start":6.08,"end":21.555},{"sentences":[{"text":"That's good to hear.","start":23.055,"end":23.935001,"sentiment":"positive","sentiment_score":0.6307923048734665},{"text":"I just scheduled in for a bit of a follow-up this morning.","start":23.935001,"end":26.175,"sentiment":"neutral","sentiment_score":0.3241571473578612},{"text":"Is now still a good time for you?","start":26.175,"end":27.69,"sentiment":"neutral","sentiment_score":0.25477047078311443},{"text":"Perfect.","start":30.09,"end":30.41,"sentiment":"positive","sentiment_score":0.4420141577720642},{"text":"Just to jump into that one there today, Lynn, if I could just pass through security with that name, date of birth, and current address, please?","start":30.41,"end":36.11,"sentiment":"neutral","sentiment_score":0.16311873151705816}],"sentiment":"neutral","sentiment_score":0.2575356849268371,"num_words":51,"start":23.055,"end":36.11},{"sentences":[{"text":"Perfect.","start":42.825,"end":43.145,"sentiment":"positive","sentiment_score":0.5052236318588257},{"text":"Thank you for that one, Lynn.","start":43.145,"end":44.365,"sentiment":"positive","sentiment_score":0.5100234299898148},{"text":"Now I don't know if you remember because it was quite a while ago now.","start":44.505,"end":48.185,"sentiment":"neutral","sentiment_score":-0.08276315679152807},{"text":"I know there was a bit of back and forth ex.","start":48.185,"end":50.985,"sentiment":"neutral","sentiment_score":-0.12160847132856195},{"text":"We originally went to the SOA, and then we found the the trauma policy from when you first came on board that I was unaware of there.","start":50.985,"end":58.16,"sentiment":"neutral","sentiment_score":-0.12514718953106138}],"sentiment":"neutral","sentiment_score":-0.039879174033800764,"num_words":60,"start":42.825,"end":58.16},{"sentences":[{"text":"And then we've moved it over, and then we just need to have a bit of a catch up in regards to how we'd like to proceed in terms of that because we were looking at insurance reduction and that investment update inside your superannuation, if you remember.","start":58.16,"end":70.765,"sentiment":"neutral","sentiment_score":-0.06817695199667166},{"text":"And then, yeah, just with the trauma policy as well, you do have, like, a a family protection as well as, like, a trauma policy for that and just seeing how you wanted to proceed with that as well in terms of, like, if you did wanna reduce those cover amounts.","start":71.145004,"end":91.36,"sentiment":"neutral","sentiment_score":0.016175249226245227},{"text":"At the moment, when I brought them up just for the so the the crisis, which is, like, your trauma is around 166 for your yourself, and then for each of the kids, about 16,600 for those.","start":93.44,"end":108.354996,"sentiment":"neutral","sentiment_score":-0.09513909208613473},{"text":"You're happy to keep the the trauma amount as is in paying that monthly benefit?","start":112.02,"end":116.119995,"sentiment":"positive","sentiment_score":0.5655481378237407},{"text":"So at the moment, it's as annualized premium is $2,747 and a monthly amount around the $230 a month for for those.","start":120.34,"end":130.27501,"sentiment":"neutral","sentiment_score":-0.03865899666297165}],"sentiment":"neutral","sentiment_score":0.009624403169260205,"num_words":173,"start":58.16,"end":130.27501},{"sentences":[{"text":"Yes.","start":134.095,"end":134.41501,"sentiment":"neutral","sentiment_score":0.054985061287879944},{"text":"So it is quite up there.","start":134.41501,"end":136.77,"sentiment":"neutral","sentiment_score":0.0117801275725166},{"text":"I know originally sort of from the original advice and discussions around your your cover and what you wanted to be covered for, you did wanna look at cutting back on your your TPD and and life there as well just to make it so it was a bit more affordable and just giving you a current level of debt.","start":136.77,"end":155.025,"sentiment":"neutral","sentiment_score":0.11847184368719657},{"text":"And then, yeah, when the trauma policy came up, we didn't proceed with presenting the advice piece just based on the fact that I wasn't aware of it before creating the advice piece, and then we got it moved over per the original recommendation you did have, so we had visibility on it.","start":155.025,"end":167.56,"sentiment":"neutral","sentiment_score":-0.07369708909459834},{"text":"And just for the past few months of the year, we were just sort of unable to get a hold of you and get you booked in, if that makes sense.","start":167.56,"end":172.62001,"sentiment":"neutral","sentiment_score":-0.2870201583831541}],"sentiment":"neutral","sentiment_score":-0.036884729694945134,"num_words":151,"start":134.095,"end":172.62001},{"sentences":[{"text":"Make a difference in cost if that's sort of what you're gonna.","start":185.675,"end":188.4,"sentiment":"neutral","sentiment_score":-0.0075014067503313235},{"text":"Yep.","start":189.2,"end":189.7,"sentiment":"neutral","sentiment_score":0.1866869032382965},{"text":"I can sort of request a quote there for you.","start":190.0,"end":193.12,"sentiment":"neutral","sentiment_score":0.22944457083940506},{"text":"How much do you think you feel you'd be comfortable with with that?","start":193.12,"end":196.42,"sentiment":"neutral","sentiment_score":0.19611955147523147},{"text":"Because let me just have a quick look.","start":197.59999,"end":200.09999,"sentiment":"neutral","sentiment_score":0.06266058655455709}],"sentiment":"neutral","sentiment_score":0.1236807861873372,"num_words":44,"start":185.675,"end":200.09999},{"sentences":[{"text":"The the child cover isn't a huge expense.","start":201.215,"end":203.61499,"sentiment":"neutral","sentiment_score":-0.04018335067667067},{"text":"The main expense there is in regards to your own, so we could look at reducing that down potentially.","start":203.61499,"end":209.715,"sentiment":"neutral","sentiment_score":0.056486845996819045},{"text":"So trauma cover or, like, the crisis recovery, it depends on the PDFs, but, generally, it's for, like, traumatic events and things like that that don't sort of fall into regards to you know, it's like heart attacks, strokes, things like that.","start":219.95,"end":235.285,"sentiment":"neutral","sentiment_score":-0.10409278338331551},{"text":"Obviously, I'd have to look at the PDFs and see the exact cover and what it covers you for.","start":235.285,"end":241.48,"sentiment":"neutral","sentiment_score":-0.08830421025815763},{"text":"Obviously, when you have an injury at work, you can potentially be covered by some form of workers' comp yeah.","start":241.7,"end":248.5,"sentiment":"neutral","sentiment_score":-0.14115498987957836}],"sentiment":"neutral","sentiment_score":-0.07519438357471868,"num_words":108,"start":201.215,"end":248.5},{"sentences":[{"text":"And then this is sort of like the bridge between TBD insurance and income protection insurance where you may not be injured to the point where you have to take more than a month off work or you sort of may not be injured to the point where unable to work.","start":248.5,"end":266.595,"sentiment":"neutral","sentiment_score":-0.04874618095802326},{"text":"But it just means that you're able to have some yeah.","start":266.91,"end":272.91,"sentiment":"neutral","sentiment_score":0.06549818585203453},{"text":"All sort of medical costs when it comes to certain health conditions that do arise and the ones you are covered for.","start":272.91,"end":280.155,"sentiment":"neutral","sentiment_score":-0.03553479554300958},{"text":"166,000.","start":287.035,"end":288.975,"sentiment":"neutral","sentiment_score":0.002385421423241496},{"text":"Some of the older ones can be done as sort of like like paid out like in in bits, but it's generally a lump sum figure in regards to yeah.","start":298.17,"end":309.17502,"sentiment":"neutral","sentiment_score":-0.05606364042808612}],"sentiment":"neutral","sentiment_score":-0.03675534328567269,"num_words":115,"start":248.5,"end":309.17502},{"sentences":[{"text":"It's we're up around a bit over 1,000,000 now because we're looking at that reduction originally, but we didn't do.","start":315.95502,"end":321.33,"sentiment":"neutral","sentiment_score":-0.14626192450523376},{"text":"I think the original recommendation was gonna be around the $7.50 mark.","start":321.33,"end":325.66998,"sentiment":"neutral","sentiment_score":-0.0896019268160065},{"text":"Yeah.","start":335.905,"end":336.385,"sentiment":"neutral","sentiment_score":-0.031360648572444916},{"text":"Yeah.","start":336.385,"end":336.885,"sentiment":"neutral","sentiment_score":-0.0925908461213112},{"text":"The the income protection on that one is quite high in terms of, like, the cost, which is what we're gonna address as well with that.","start":337.185,"end":346.245,"sentiment":"negative","sentiment_score":-0.5096922207337159}],"sentiment":"neutral","sentiment_score":-0.2896068474277854,"num_words":60,"start":315.95502,"end":346.245},{"sentences":[{"text":"Because original recommend just for the life and TPD portions, which from the discussions we did have, I'll just show you there.","start":358.785,"end":367.125,"sentiment":"neutral","sentiment_score":0.18985315344550394},{"text":"Because at the moment, your yearly premiums for just the life TPD and IP is around the $10,000 mark.","start":368.145,"end":373.685,"sentiment":"neutral","sentiment_score":0.12059507636647475},{"text":"We're gonna look at reducing life and TPD around $7.50 and then reduce your income protection cover amount down to around $3,750 as a monthly benefit just on the amount that you're able to claim on and then keeping the waiting period and benefit period the same.","start":373.9,"end":388.23502,"sentiment":"neutral","sentiment_score":0.24005311188545633},{"text":"But we could also look at reducing the waiting period and benefit period to help reduce the the cost out of your superannuation as well.","start":388.23502,"end":396.17502,"sentiment":"neutral","sentiment_score":0.26087319910526274},{"text":"We we're gonna put it just at the 750,000, which covers your debt and then then some.","start":402.72998,"end":407.87,"sentiment":"neutral","sentiment_score":0.015580702134791543}],"sentiment":"neutral","sentiment_score":0.18874826153310445,"num_words":130,"start":358.785,"end":407.87},{"sentences":[{"text":"Okay.","start":421.145,"end":421.645,"sentiment":"neutral","sentiment_score":-0.00934672076255083},{"text":"Do you want yeah.","start":422.84,"end":424.78,"sentiment":"neutral","sentiment_score":-0.01873139338567853},{"text":"No.","start":425.56,"end":425.63998,"sentiment":"neutral","sentiment_score":-0.04196973890066147},{"text":"Understandable.","start":425.63998,"end":426.13998,"sentiment":"neutral","sentiment_score":-0.005698589142411947},{"text":"Do you want me to email you your certificates of currencies for your two products, and then you can have a look over them there, Lynn, and we can have another discussion after you've had a chance to review them?","start":426.84,"end":435.855,"sentiment":"neutral","sentiment_score":0.059797947946935895}],"sentiment":"neutral","sentiment_score":0.04808462330912973,"num_words":47,"start":421.145,"end":435.855},{"sentences":[{"text":"Yeah.","start":453.38998,"end":453.79,"sentiment":"neutral","sentiment_score":-0.013537025079131126},{"text":"Well, at at the moment, it's income protection policy that is the the more expensive one just due to the age because it is a more comprehensive policy being it is an older policy.","start":453.79,"end":463.035,"sentiment":"neutral","sentiment_score":-0.22999018408796368},{"text":"Otherwise, we might potentially look at returning to market.","start":463.035,"end":465.835,"sentiment":"neutral","sentiment_score":-0.0908735344807307},{"text":"It also covers you all the way up to the age of 65, and we can look at trying to change that.","start":465.835,"end":470.875,"sentiment":"neutral","sentiment_score":0.02582308023490689},{"text":"Obviously, some of the older policies, you can't, but we can see if we can change that down to a benefit period of five years, which just means that if something did occur to you and you ended up on a claim, it means it'd only pay for up to five years, not until the eight up to the age of 65.","start":470.875,"end":483.68002,"sentiment":"neutral","sentiment_score":0.06861225413458963}],"sentiment":"neutral","sentiment_score":-0.029914043538155966,"num_words":128,"start":453.38998,"end":483.68002},{"sentences":[{"text":"If that makes sense, then that can also help reduce those costs down.","start":483.68002,"end":487.22,"sentiment":"positive","sentiment_score":0.3653912819348849},{"text":"Yep.","start":492.495,"end":492.995,"sentiment":"neutral","sentiment_score":0.08560758084058762},{"text":"Yeah.","start":500.335,"end":500.655,"sentiment":"neutral","sentiment_score":0.1277715116739273},{"text":"It basically, what happened was sort of last year, we'd sort of we're gonna go through that recommendation, but we found the trauma policy so everything's remained the same since since we're not then I'm able to to reach you there, which is fine.","start":500.655,"end":515.82996,"sentiment":"neutral","sentiment_score":-0.06902023235505278},{"text":"So with that one, if we were to update the adviser, then we do have to update some details and things like that.","start":516.665,"end":521.225,"sentiment":"neutral","sentiment_score":0.0717104370503322}],"sentiment":"neutral","sentiment_score":0.043608726661016305,"num_words":82,"start":483.68002,"end":521.225},{"sentences":[{"text":"But if you wanna have a read through that first, you can sort of even request a couple of quotes on what sort of different sums you might wanna have a look at in terms of, like, the pricing and the difference, and we can request those quotes for you and just to see what price difference that makes for you.","start":521.225,"end":535.37,"sentiment":"neutral","sentiment_score":0.18447953425958508},{"text":"But just respond to that email, and then once you sort of make a bit more of a decision around what you potentially might want, we can have another conversation, update your details, and get that advice piece back out to you.","start":535.67,"end":544.605,"sentiment":"neutral","sentiment_score":0.07466239938955932},{"text":"Yeah.","start":551.165,"end":551.485,"sentiment":"neutral","sentiment_score":0.0633242130279541},{"text":"And then with that, we were gonna update your superannuation investments, which was the main thing there.","start":551.485,"end":557.58,"sentiment":"neutral","sentiment_score":-0.0033281391541309215},{"text":"Obviously, given everything with the war and everything, it has taken a bit of a dive.","start":557.58,"end":560.72,"sentiment":"neutral","sentiment_score":-0.1810058387927711}],"sentiment":"neutral","sentiment_score":0.08393959701401148,"num_words":137,"start":521.225,"end":560.72},{"sentences":[{"text":"And then also because you have I know we had that discussion around Benelong and changing that Benelong out.","start":560.77997,"end":566.16,"sentiment":"neutral","sentiment_score":-0.07812831060666788},{"text":"It is quite a heavy weighting in your portfolio, and it's done quite poorly on the back end of that year where we're unable to reach you there as well.","start":566.22,"end":572.455,"sentiment":"neutral","sentiment_score":-0.2816573227445284},{"text":"So we still need to look at updating that with your advice piece as well even with the insurances or even if you decide to keep the level of insurance cover you hold, if that makes sense.","start":572.455,"end":581.515,"sentiment":"neutral","sentiment_score":-0.07784326696718061},{"text":"Yes.","start":591.11,"end":591.43,"sentiment":"neutral","sentiment_score":-0.09243271499872208},{"text":"So towards the back end of last year, they had an underlying investment called corporate traveler, which wasn't accounting correctly, and they were done for not accounting correctly.","start":591.43,"end":599.875,"sentiment":"neutral","sentiment_score":-0.16115147274519717}],"sentiment":"neutral","sentiment_score":-0.15146984707402147,"num_words":115,"start":560.77997,"end":599.875},{"sentences":[{"text":"And then with that, they've had to reevaluate that stock.","start":600.575,"end":602.89496,"sentiment":"neutral","sentiment_score":-0.2020288497209549},{"text":"It was put on trading hold, and as a result, it caused Ben Long to take quite a dip.","start":602.89496,"end":606.415,"sentiment":"neutral","sentiment_score":-0.27206693746541677},{"text":"And then in conjunction with what's happening with the wars and everything has caused it to dip a bit further with that, if that makes sense.","start":606.415,"end":613.47,"sentiment":"neutral","sentiment_score":-0.18595399908148325},{"text":"So over a twelve month period, I think it's down around 5% your superannuation from the results of that and then the war that started this this year.","start":613.47,"end":621.17,"sentiment":"neutral","sentiment_score":-0.22047409362026624},{"text":"Yeah.","start":628.285,"end":628.605,"sentiment":"neutral","sentiment_score":0.036673907190561295}],"sentiment":"neutral","sentiment_score":-0.2162019642779515,"num_words":84,"start":600.575,"end":628.605},{"sentences":[{"text":"But we can definitely look at like I said, we had the recommendation to update that portfolio previously.","start":628.605,"end":633.425,"sentiment":"neutral","sentiment_score":0.17200669853223693},{"text":"It's just with the insurance side of things that held it up there a bit.","start":633.485,"end":636.445,"sentiment":"neutral","sentiment_score":-0.0033615936835606893},{"text":"And obviously, you had a busy back end of the year, which is perfectly understandable coming into Christmas and everything and probably some other things.","start":636.445,"end":643.56,"sentiment":"neutral","sentiment_score":-0.06551773577928544},{"text":"But Yep.","start":643.56,"end":657.495,"sentiment":"neutral","sentiment_score":0.06796306371688843},{"text":"I can are you available sorta just next week or next week in an afternoon or something to have a discussion after you've had a chance over the weekend to have a look at those and finalize everything there?","start":657.495,"end":669.08,"sentiment":"neutral","sentiment_score":0.1531574819714595}],"sentiment":"neutral","sentiment_score":0.07592748685015573,"num_words":99,"start":628.605,"end":669.08},{"sentences":[{"text":"I'm sorry.","start":688.61,"end":692.49,"sentiment":"neutral","sentiment_score":0.0023458339273929596},{"text":"I'll look.","start":692.49,"end":692.85,"sentiment":"neutral","sentiment_score":-0.0032005884386308026},{"text":"Would Tuesday around 12:00 still work for you?","start":692.85,"end":695.67,"sentiment":"neutral","sentiment_score":0.019833596306852996},{"text":"Yeah.","start":699.97,"end":700.37,"sentiment":"neutral","sentiment_score":0.15171632170677185},{"text":"Tuesday, thirty first there.","start":700.37,"end":701.99,"sentiment":"neutral","sentiment_score":0.14569132775068283}],"sentiment":"neutral","sentiment_score":0.05243769965540303,"num_words":17,"start":688.61,"end":701.99},{"sentences":[{"text":"And we can look at getting that all finalized and getting that advice piece out to you and updating those investments and those insurances there for you, Leland.","start":702.235,"end":709.055,"sentiment":"neutral","sentiment_score":0.2339035810104438},{"text":"Not a problem.","start":715.77,"end":716.41003,"sentiment":"positive","sentiment_score":0.34463242689768475},{"text":"And then, yeah, we'll just update all your details and everything then and make sure that's all accurate and up to date as well.","start":716.41003,"end":721.79004,"sentiment":"neutral","sentiment_score":0.31975030650695163},{"text":"No problem, Lynn.","start":723.77,"end":724.65,"sentiment":"neutral","sentiment_score":0.31004857768615085},{"text":"Well, I'll shoot you that off that email after I get off the phone here, and then just let us know if you have any questions or want any specific quotes for that appointment to go over.","start":724.65,"end":732.065,"sentiment":"neutral","sentiment_score":0.17596932399917292}],"sentiment":"neutral","sentiment_score":0.23892858553873866,"num_words":95,"start":702.235,"end":732.065},{"sentences":[{"text":"No problem then.","start":734.605,"end":735.245,"sentiment":"positive","sentiment_score":0.7352858980496725},{"text":"You enjoy the rest of your day.","start":735.245,"end":736.045,"sentiment":"positive","sentiment_score":0.8041045069694519},{"text":"Thanks for your time.","start":736.045,"end":737.105,"sentiment":"positive","sentiment_score":0.7446995079517365},{"text":"Thanks.","start":737.805,"end":738.125,"sentiment":"positive","sentiment_score":0.6264195442199707},{"text":"Bye.","start":738.125,"end":738.625,"sentiment":"neutral","sentiment_score":-0.1113155111670494}],"sentiment":"positive","sentiment_score":0.7080307067371905,"num_words":16,"start":734.605,"end":738.625}]}}]},{"alternatives":[{"transcript":"I'll see if this person is available. Hello? Speaking. Yep. I'm Kathleen Beck in the 07/02/1927. 14 yard cruise in All Hills Queensland. Yep. Yep. No. I think Sarah and Samuels is 20, I think, was it? Or 15, something like that, I think the kids were, if I remember. Okay. No. That's fine. That's cool. Sounds good. How much is it? I don't even have much of this to be fair. Oh, okay. So let's cut them up. Yeah. No. It's been a bit crazy. The last few months have been a bit crazy to see. So yeah. No. That's okay. So if I reduce it, what would it all go down to? And would it really yeah. Yeah. What is it? It's how much is it for my a five it's for when I fall at work or something. Is that what it's sort of covering, or what is it covering? Because they'll cover the mortgage payments and have money. Oh. Yep. Okay. So how much is it? Am I actually covered for at the moment without changing it? What? Okay. That would be paid out in a lump sum or do they pay that out monthly or how would that I don't even know how that would work. Too sure. Oh, okay. Great. And then my life insurance is still quite high, isn't it? It's like 8. Is it still? Well, that's what's taking on my that's what's taking on a super early, isn't it, to be honest, when I've looked at it. Okay. Yep. So I don't I don't know what you're thinking of the cost would be, but yeah. Okay. Okay. Yep. So then what would the life insurance drop down to? Like, if something happened to me. That's the main one. Yeah. Okay. I will talk to Scott and see if he wants to change it down. So yeah. I don't know if that would be enough at the moment to cover solar bills. Yeah. No. That sounds good. Yeah. Because, yeah, I didn't think it would yeah. I don't actually know how much we have to work out how much it would be he would need. Even though the kids are getting a little bit older, it's just to cover the mortgage and can't let the bills and stuff that we have in order and stuff. So yeah. Okay. Yeah. No. That doesn't matter. It doesn't yeah. That's fine. Yep. No. Just do that and we'll figure out and then I'll talk to Scott. But it'll still still the same until I change everything anyway. So that's okay. So everything will still still stay the same unless I sign it or change anything on it. So Yep. Yep. Yep. Yep. And and just change what I need wanna change or if I can see if I can keep something the same or change whatever. Yep. Sounds like a plan. Yeah. Yep. So yeah. Is it quite a high loss that I did with I presume I would've all that. So I don't even know. I haven't seen anything. So no. Yeah. Great. Lovely. Thanks, Tom. Oh, well. Okay. Yep. No. Sorry. No. That's okay. Yep. Well, we'll just send the email through, and then I will just get me just to ring up and make an appointment and get another chat or change email, whatever I need to change. So okay. Yep. I can do anything from Wednesday is sort of no go. I've got massive hospital appointments and stuff all coming up next week. So either Monday or Tuesday morning's a good time to call. So I can just go back over into the weekend and Scott, and we can do that. Anything for Monday or Tuesday ish? Yep. No. That's fine. Tuesday '12. The thirty first we're looking at? Cool. Yep. Yep. No. That sounds good. Yep. No. We'll go see them over the next couple days, and I'll see what they say. Sure thing. Yep. Awesome. Cool. Perfect. Yep. Okay. Cool. Awesome. Thank you so much for that. You too. See you. 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see if this person is available. Hello? Speaking. Yep. I'm Kathleen Beck in the 07/02/1927.\n\n14 yard cruise in All Hills Queensland. Yep. Yep. No. I think Sarah and Samuels is 20, I think, was it?\n\nOr 15, something like that, I think the kids were, if I remember. Okay. No. That's fine. That's cool.\n\nSounds good. How much is it? I don't even have much of this to be fair. Oh, okay. So let's cut them up.\n\nYeah. No. It's been a bit crazy. The last few months have been a bit crazy to see. So yeah.\n\nNo. That's okay. So if I reduce it, what would it all go down to? And would it really yeah. Yeah.\n\nWhat is it? It's how much is it for my a five it's for when I fall at work or something. Is that what it's sort of covering, or what is it covering? Because they'll cover the mortgage payments and have money. Oh.\n\nYep. Okay. So how much is it? Am I actually covered for at the moment without changing it? What?\n\nOkay. That would be paid out in a lump sum or do they pay that out monthly or how would that I don't even know how that would work. Too sure. Oh, okay. Great.\n\nAnd then my life insurance is still quite high, isn't it? It's like 8. Is it still? Well, that's what's taking on my that's what's taking on a super early, isn't it, to be honest, when I've looked at it. Okay.\n\nYep. So I don't I don't know what you're thinking of the cost would be, but yeah. Okay. Okay. Yep.\n\nSo then what would the life insurance drop down to? Like, if something happened to me. That's the main one. Yeah. Okay.\n\nI will talk to Scott and see if he wants to change it down. So yeah. I don't know if that would be enough at the moment to cover solar bills. Yeah. No.\n\nThat sounds good. Yeah. Because, yeah, I didn't think it would yeah. I don't actually know how much we have to work out how much it would be he would need. Even though the kids are getting a little bit older, it's just to cover the mortgage and can't let the bills and stuff that we have in order and stuff.\n\nSo yeah. Okay. Yeah. No. That doesn't matter.\n\nIt doesn't yeah. That's fine. Yep. No. Just do that and we'll figure out and then I'll talk to Scott.\n\nBut it'll still still the same until I change everything anyway. So that's okay. So everything will still still stay the same unless I sign it or change anything on it. So Yep. Yep.\n\nYep. Yep. And and just change what I need wanna change or if I can see if I can keep something the same or change whatever. Yep. Sounds like a plan.\n\nYeah. Yep. So yeah. Is it quite a high loss that I did with I presume I would've all that. So I don't even know.\n\nI haven't seen anything. So no. Yeah. Great. Lovely.\n\nThanks, Tom. Oh, well. Okay. Yep. No.\n\nSorry. No. That's okay. Yep. Well, we'll just send the email through, and then I will just get me just to ring up and make an appointment and get another chat or change email, whatever I need to change.\n\nSo okay. Yep. I can do anything from Wednesday is sort of no go. I've got massive hospital appointments and stuff all coming up next week. So either Monday or Tuesday morning's a good time to call.\n\nSo I can just go back over into the weekend and Scott, and we can do that. Anything for Monday or Tuesday ish? Yep. No. That's fine.\n\nTuesday '12. The thirty first we're looking at? Cool. Yep. Yep.\n\nNo. That sounds good. Yep. No. We'll go see them over the next couple days, and I'll see what they say.\n\nSure thing. Yep. Awesome. Cool. Perfect.\n\nYep. Okay. Cool. Awesome. Thank you so much for that.\n\nYou too. See you. Bye.","paragraphs":[{"sentences":[{"text":"I'll see if this person is available.","start":0.48,"end":2.34,"sentiment":"neutral","sentiment_score":0.016237024483936175},{"text":"Hello?","start":16.215,"end":16.715,"sentiment":"neutral","sentiment_score":0.06957340240478516},{"text":"Speaking.","start":16.855,"end":17.355,"sentiment":"neutral","sentiment_score":0.06036561727523804},{"text":"Yep.","start":27.895,"end":28.26,"sentiment":"neutral","sentiment_score":0.2269517481327057},{"text":"I'm Kathleen Beck in the 07/02/1927.","start":36.42,"end":39.48,"sentiment":"neutral","sentiment_score":0.026324132457375526}],"sentiment":"neutral","sentiment_score":0.03928092087153345,"num_words":16,"start":0.48,"end":39.48},{"sentences":[{"text":"14 yard cruise in All Hills 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fair.","start":117.33,"end":119.19,"sentiment":"neutral","sentiment_score":-0.15895092263817787},{"text":"Oh, okay.","start":130.03499,"end":130.69499,"sentiment":"neutral","sentiment_score":0.03482312988489866},{"text":"So let's cut them up.","start":134.03499,"end":135.415,"sentiment":"neutral","sentiment_score":0.03698593154549599}],"sentiment":"neutral","sentiment_score":-0.029034665016376453,"num_words":23,"start":110.945,"end":135.415},{"sentences":[{"text":"Yeah.","start":172.40001,"end":172.72,"sentiment":"neutral","sentiment_score":-0.09491273760795592},{"text":"No.","start":172.72,"end":172.88,"sentiment":"neutral","sentiment_score":-0.19941458106040957},{"text":"It's been a bit crazy.","start":172.88,"end":173.92,"sentiment":"neutral","sentiment_score":-0.2670247107744217},{"text":"The last few months have been a bit crazy to see.","start":173.92,"end":176.64,"sentiment":"neutral","sentiment_score":-0.3109674535014413},{"text":"So yeah.","start":176.64,"end":176.96,"sentiment":"neutral","sentiment_score":-0.11493318900465965}],"sentiment":"neutral","sentiment_score":-0.26399796195328235,"num_words":20,"start":172.40001,"end":176.96},{"sentences":[{"text":"No.","start":176.96,"end":177.12,"sentiment":"neutral","sentiment_score":-0.13242056965827942},{"text":"That's okay.","start":177.12,"end":177.94,"sentiment":"neutral","sentiment_score":-0.0644560307264328},{"text":"So if I reduce it, what would it all go down to?","start":178.32,"end":181.695,"sentiment":"neutral","sentiment_score":-0.02231919765472412},{"text":"And would it really yeah.","start":181.695,"end":185.395,"sentiment":"neutral","sentiment_score":-0.013086120039224625},{"text":"Yeah.","start":187.455,"end":187.955,"sentiment":"neutral","sentiment_score":0.03671132028102875}],"sentiment":"neutral","sentiment_score":-0.026565822994425184,"num_words":21,"start":176.96,"end":187.955},{"sentences":[{"text":"What is it?","start":212.24501,"end":212.80501,"sentiment":"neutral","sentiment_score":0.014648780847589174},{"text":"It's how much is it for my a five it's for when I fall at work or something.","start":212.80501,"end":216.485,"sentiment":"neutral","sentiment_score":0.0033247648324403497},{"text":"Is that what it's sort of covering, or what is it covering?","start":216.485,"end":219.065,"sentiment":"neutral","sentiment_score":-0.04696928973620137},{"text":"Because they'll cover the mortgage payments and have money.","start":269.77502,"end":272.11502,"sentiment":"neutral","sentiment_score":-0.0020788436134656276},{"text":"Oh.","start":272.575,"end":273.075,"sentiment":"neutral","sentiment_score":-0.005875043570995331}],"sentiment":"neutral","sentiment_score":-0.011265674497672292,"num_words":43,"start":212.24501,"end":273.075},{"sentences":[{"text":"Yep.","start":278.89502,"end":279.39502,"sentiment":"neutral","sentiment_score":0.04423501342535019},{"text":"Okay.","start":281.4,"end":281.80002,"sentiment":"neutral","sentiment_score":0.022203635424375538},{"text":"So how much is it?","start":281.80002,"end":282.68,"sentiment":"neutral","sentiment_score":0.01787998229265213},{"text":"Am I actually covered for at the moment without changing it?","start":282.68,"end":285.9,"sentiment":"neutral","sentiment_score":-0.010439791801300917},{"text":"What?","start":289.88,"end":290.38,"sentiment":"neutral","sentiment_score":-0.0009601358324289322}],"sentiment":"neutral","sentiment_score":0.002107406035065651,"num_words":19,"start":278.89502,"end":290.38},{"sentences":[{"text":"Okay.","start":291.24,"end":291.74,"sentiment":"neutral","sentiment_score":0.013685731217265127},{"text":"That would be paid out in a lump sum or do they pay that out monthly or how would that I don't even know how that would work.","start":291.8,"end":301.95502,"sentiment":"neutral","sentiment_score":-0.03120142294626151},{"text":"Too sure.","start":302.61502,"end":304.27502,"sentiment":"neutral","sentiment_score":-0.04640381783246994},{"text":"Oh, okay.","start":306.815,"end":307.55502,"sentiment":"neutral","sentiment_score":0.008191187400370836},{"text":"Great.","start":309.77502,"end":310.27502,"sentiment":"positive","sentiment_score":0.3491516411304474}],"sentiment":"neutral","sentiment_score":-0.01727140385328847,"num_words":34,"start":291.24,"end":310.27502},{"sentences":[{"text":"And then my life insurance is still quite high, isn't it?","start":310.68,"end":313.08,"sentiment":"neutral","sentiment_score":-0.0986309407109564},{"text":"It's like 8.","start":313.08,"end":313.97998,"sentiment":"neutral","sentiment_score":-0.0701166143019994},{"text":"Is it still?","start":314.03998,"end":314.94,"sentiment":"neutral","sentiment_score":-0.06271524727344513},{"text":"Well, that's what's taking on my that's what's taking on a super early, isn't it, to be honest, when I've looked at it.","start":328.23502,"end":335.055,"sentiment":"neutral","sentiment_score":-0.20934814409069394},{"text":"Okay.","start":347.63,"end":348.13,"sentiment":"neutral","sentiment_score":-0.01663902774453163}],"sentiment":"neutral","sentiment_score":-0.15402639693603282,"num_words":41,"start":310.68,"end":348.13},{"sentences":[{"text":"Yep.","start":350.19,"end":350.51,"sentiment":"neutral","sentiment_score":0.0122523196041584},{"text":"So I don't I don't know what you're thinking of the cost would be, but yeah.","start":350.51,"end":355.705,"sentiment":"neutral","sentiment_score":-0.09919291734695435},{"text":"Okay.","start":357.28497,"end":357.78497,"sentiment":"neutral","sentiment_score":0.10152246057987212},{"text":"Okay.","start":396.76,"end":397.26,"sentiment":"neutral","sentiment_score":0.10019868612289427},{"text":"Yep.","start":397.48,"end":397.88,"sentiment":"neutral","sentiment_score":0.10452966392040253}],"sentiment":"neutral","sentiment_score":-0.0634291773661971,"num_words":20,"start":350.19,"end":397.88},{"sentences":[{"text":"So then what would the life insurance drop down to?","start":397.88,"end":400.2,"sentiment":"neutral","sentiment_score":0.04007492046803236},{"text":"Like, if something happened to me.","start":400.2,"end":402.22,"sentiment":"neutral","sentiment_score":-0.009113036096096039},{"text":"That's the main one.","start":402.68002,"end":403.82,"sentiment":"neutral","sentiment_score":0.02362386556342244},{"text":"Yeah.","start":412.135,"end":412.615,"sentiment":"neutral","sentiment_score":0.03697338327765465},{"text":"Okay.","start":412.615,"end":413.095,"sentiment":"neutral","sentiment_score":0.049080077558755875}],"sentiment":"neutral","sentiment_score":0.02393726869062944,"num_words":22,"start":397.88,"end":413.095},{"sentences":[{"text":"I will talk to Scott and see if he wants to change it down.","start":413.095,"end":416.155,"sentiment":"neutral","sentiment_score":0.04491724872163364},{"text":"So yeah.","start":416.215,"end":417.195,"sentiment":"neutral","sentiment_score":-0.015300892293453217},{"text":"I don't know if that would be enough at the moment to cover solar bills.","start":418.055,"end":424.21,"sentiment":"neutral","sentiment_score":-0.07052141179641087},{"text":"Yeah.","start":436.03,"end":436.35,"sentiment":"neutral","sentiment_score":0.045437052845954895},{"text":"No.","start":436.35,"end":436.50998,"sentiment":"neutral","sentiment_score":0.064090795814991}],"sentiment":"neutral","sentiment_score":-0.010607685780886448,"num_words":33,"start":413.095,"end":436.50998},{"sentences":[{"text":"That sounds good.","start":436.50998,"end":437.22998,"sentiment":"neutral","sentiment_score":0.2020430068174998},{"text":"Yeah.","start":437.22998,"end":437.47,"sentiment":"neutral","sentiment_score":0.013846464455127716},{"text":"Because, yeah, I didn't think it would yeah.","start":437.47,"end":440.01498,"sentiment":"neutral","sentiment_score":-0.09282121947035193},{"text":"I don't actually know how much we have to work out how much it would be he would need.","start":440.07498,"end":445.055,"sentiment":"neutral","sentiment_score":-0.1314312501957542},{"text":"Even though the kids are getting a little bit older, it's just to cover the mortgage and can't let the bills and stuff that we have in order and stuff.","start":445.51498,"end":452.41,"sentiment":"neutral","sentiment_score":-0.15343303754925727}],"sentiment":"neutral","sentiment_score":-0.11840621559102027,"num_words":61,"start":436.50998,"end":452.41},{"sentences":[{"text":"So yeah.","start":452.41,"end":453.56,"sentiment":"neutral","sentiment_score":0.00021325889974832535},{"text":"Okay.","start":487.5,"end":487.9,"sentiment":"neutral","sentiment_score":0.11922994256019592},{"text":"Yeah.","start":487.9,"end":488.06,"sentiment":"neutral","sentiment_score":0.09464851021766664},{"text":"No.","start":488.06,"end":488.22,"sentiment":"neutral","sentiment_score":-0.007132451981306076},{"text":"That doesn't matter.","start":488.22,"end":489.19998,"sentiment":"neutral","sentiment_score":-0.004939481926461059}],"sentiment":"neutral","sentiment_score":0.024044259102083743,"num_words":8,"start":452.41,"end":489.19998},{"sentences":[{"text":"It doesn't yeah.","start":490.105,"end":490.98502,"sentiment":"neutral","sentiment_score":-0.002372624973456066},{"text":"That's fine.","start":490.98502,"end":491.805,"sentiment":"neutral","sentiment_score":0.20869579166173935},{"text":"Yep.","start":492.105,"end":492.42502,"sentiment":"neutral","sentiment_score":0.13408860564231873},{"text":"No.","start":492.42502,"end":492.585,"sentiment":"neutral","sentiment_score":0.00885823741555214},{"text":"Just do that and we'll figure out and then I'll talk to Scott.","start":492.585,"end":495.305,"sentiment":"neutral","sentiment_score":0.0925478281883093}],"sentiment":"neutral","sentiment_score":0.08781711589545012,"num_words":20,"start":490.105,"end":495.305},{"sentences":[{"text":"But it'll still still the same until I change everything anyway.","start":495.305,"end":498.105,"sentiment":"neutral","sentiment_score":0.006884394721551375},{"text":"So that's okay.","start":498.105,"end":499.64502,"sentiment":"neutral","sentiment_score":0.17819764713446298},{"text":"So everything will still still stay the same unless I sign it or change anything on it.","start":500.025,"end":504.59003,"sentiment":"neutral","sentiment_score":0.03240370750427246},{"text":"So Yep.","start":504.59003,"end":519.625,"sentiment":"neutral","sentiment_score":0.07665317505598068},{"text":"Yep.","start":531.06,"end":531.56,"sentiment":"neutral","sentiment_score":0.27384912967681885}],"sentiment":"neutral","sentiment_score":0.04671587619711371,"num_words":34,"start":495.305,"end":531.56},{"sentences":[{"text":"Yep.","start":535.62,"end":536.12,"sentiment":"neutral","sentiment_score":-0.014314450323581696},{"text":"Yep.","start":544.335,"end":544.655,"sentiment":"neutral","sentiment_score":0.10111270844936372},{"text":"And and just change what I need wanna change or if I can see if I can keep something the same or change whatever.","start":544.655,"end":549.955,"sentiment":"neutral","sentiment_score":0.05947652210791906},{"text":"Yep.","start":550.015,"end":550.515,"sentiment":"neutral","sentiment_score":0.1745072305202484},{"text":"Sounds like a plan.","start":550.575,"end":551.635,"sentiment":"neutral","sentiment_score":0.24829978495836258}],"sentiment":"neutral","sentiment_score":0.08651423093772703,"num_words":31,"start":535.62,"end":551.635},{"sentences":[{"text":"Yeah.","start":561.75,"end":562.25,"sentiment":"neutral","sentiment_score":-0.05160806328058243},{"text":"Yep.","start":581.935,"end":582.335,"sentiment":"neutral","sentiment_score":-0.010353827849030496},{"text":"So yeah.","start":582.335,"end":583.135,"sentiment":"neutral","sentiment_score":-0.05747653916478157},{"text":"Is it quite a high loss that I did with I presume I would've all that.","start":583.135,"end":587.75,"sentiment":"neutral","sentiment_score":-0.3096425496041775},{"text":"So I don't even know.","start":587.75,"end":588.70996,"sentiment":"neutral","sentiment_score":-0.21263059377670288}],"sentiment":"neutral","sentiment_score":-0.2477739492803812,"num_words":25,"start":561.75,"end":588.70996},{"sentences":[{"text":"I haven't seen anything.","start":588.70996,"end":589.83,"sentiment":"neutral","sentiment_score":-0.23518123850226402},{"text":"So no.","start":589.83,"end":591.29,"sentiment":"neutral","sentiment_score":-0.15032615512609482},{"text":"Yeah.","start":611.49,"end":611.99,"sentiment":"neutral","sentiment_score":-0.09376642107963562},{"text":"Great.","start":622.05,"end":622.55,"sentiment":"positive","sentiment_score":0.3793533444404602},{"text":"Lovely.","start":622.85,"end":623.35,"sentiment":"positive","sentiment_score":0.4418182373046875}],"sentiment":"neutral","sentiment_score":-0.057108011510637074,"num_words":9,"start":588.70996,"end":623.35},{"sentences":[{"text":"Thanks, Tom.","start":623.41,"end":624.31,"sentiment":"positive","sentiment_score":0.41673633456230164},{"text":"Oh, well.","start":625.865,"end":626.685,"sentiment":"neutral","sentiment_score":0.12407530844211578},{"text":"Okay.","start":628.58496,"end":629.08496,"sentiment":"neutral","sentiment_score":0.017108500003814697},{"text":"Yep.","start":644.55,"end":645.05,"sentiment":"neutral","sentiment_score":-0.003084896830841899},{"text":"No.","start":645.19,"end":645.59,"sentiment":"neutral","sentiment_score":-0.09452400356531145}],"sentiment":"neutral","sentiment_score":0.14301755508807087,"num_words":7,"start":623.41,"end":645.59},{"sentences":[{"text":"Sorry.","start":645.59,"end":645.99,"sentiment":"neutral","sentiment_score":-0.1300278902053833},{"text":"No.","start":645.99,"end":646.15,"sentiment":"neutral","sentiment_score":-0.12236305326223372},{"text":"That's okay.","start":646.15,"end":646.71,"sentiment":"neutral","sentiment_score":-0.01296522282063961},{"text":"Yep.","start":646.71,"end":646.95,"sentiment":"neutral","sentiment_score":0.09817437827587128},{"text":"Well, we'll just send the email through, and then I will just get me just to ring up and make an appointment and get another chat or change email, whatever I need to change.","start":646.95,"end":655.90497,"sentiment":"neutral","sentiment_score":0.10003215907251134}],"sentiment":"neutral","sentiment_score":0.08258836917006053,"num_words":39,"start":645.59,"end":655.90497},{"sentences":[{"text":"So okay.","start":657.245,"end":658.065,"sentiment":"neutral","sentiment_score":0.15076979994773865},{"text":"Yep.","start":669.14,"end":669.46,"sentiment":"neutral","sentiment_score":0.09055673331022264},{"text":"I can do anything from Wednesday is sort of no go.","start":669.46,"end":675.3,"sentiment":"neutral","sentiment_score":-0.05254447324709459},{"text":"I've got massive hospital appointments and stuff all coming up next week.","start":675.3,"end":678.66003,"sentiment":"neutral","sentiment_score":-0.042590041334430374},{"text":"So either Monday or Tuesday morning's a good time to call.","start":678.66003,"end":683.265,"sentiment":"neutral","sentiment_score":0.12526806850324979}],"sentiment":"neutral","sentiment_score":0.01840474013541196,"num_words":37,"start":657.245,"end":683.265},{"sentences":[{"text":"So I can just go back over into the weekend and Scott, and we can do that.","start":683.34503,"end":686.405,"sentiment":"neutral","sentiment_score":0.10826518561910181},{"text":"Anything for Monday or Tuesday ish?","start":688.145,"end":690.16504,"sentiment":"neutral","sentiment_score":0.019715418573468924},{"text":"Yep.","start":695.69,"end":695.85,"sentiment":"neutral","sentiment_score":0.019712259992957115},{"text":"No.","start":695.85,"end":696.01,"sentiment":"neutral","sentiment_score":0.0013558026403188703},{"text":"That's fine.","start":696.01,"end":696.57,"sentiment":"neutral","sentiment_score":0.044252682477235794}],"sentiment":"neutral","sentiment_score":0.07660644794641822,"num_words":27,"start":683.34503,"end":696.57},{"sentences":[{"text":"Tuesday '12.","start":696.57,"end":697.45,"sentiment":"neutral","sentiment_score":0.02120102010667324},{"text":"The thirty first we're looking at?","start":697.45,"end":699.37,"sentiment":"neutral","sentiment_score":0.03597440508504709},{"text":"Cool.","start":699.37,"end":699.87,"sentiment":"neutral","sentiment_score":0.22718682885169983},{"text":"Yep.","start":706.64996,"end":707.14996,"sentiment":"neutral","sentiment_score":0.1324588507413864},{"text":"Yep.","start":709.265,"end":709.585,"sentiment":"neutral","sentiment_score":0.09677678346633913}],"sentiment":"neutral","sentiment_score":0.06497008488936858,"num_words":11,"start":696.57,"end":709.585},{"sentences":[{"text":"No.","start":709.585,"end":709.745,"sentiment":"neutral","sentiment_score":0.11494593322277068},{"text":"That sounds good.","start":709.745,"end":710.385,"sentiment":"neutral","sentiment_score":0.32464002072811127},{"text":"Yep.","start":710.385,"end":710.54504,"sentiment":"neutral","sentiment_score":0.12580576539039612},{"text":"No.","start":710.54504,"end":710.705,"sentiment":"neutral","sentiment_score":0.056611351668834686},{"text":"We'll go see them over the next couple days, and I'll see what they say.","start":710.705,"end":713.925,"sentiment":"neutral","sentiment_score":0.07977890049417814}],"sentiment":"neutral","sentiment_score":0.11752221999423844,"num_words":21,"start":709.585,"end":713.925},{"sentences":[{"text":"Sure thing.","start":714.625,"end":715.525,"sentiment":"neutral","sentiment_score":0.2550552934408188},{"text":"Yep.","start":721.905,"end":722.305,"sentiment":"neutral","sentiment_score":0.31165552139282227},{"text":"Awesome.","start":722.305,"end":722.805,"sentiment":"positive","sentiment_score":0.7194715738296509},{"text":"Cool.","start":722.865,"end":723.365,"sentiment":"positive","sentiment_score":0.703042209148407},{"text":"Perfect.","start":723.425,"end":723.925,"sentiment":"positive","sentiment_score":0.7317639589309692}],"sentiment":"positive","sentiment_score":0.4960073083639145,"num_words":6,"start":714.625,"end":723.925},{"sentences":[{"text":"Yep.","start":730.36,"end":730.86,"sentiment":"neutral","sentiment_score":0.12492206692695618},{"text":"Okay.","start":732.36,"end":732.76,"sentiment":"positive","sentiment_score":0.447762131690979},{"text":"Cool.","start":732.76,"end":733.0,"sentiment":"positive","sentiment_score":0.754679799079895},{"text":"Awesome.","start":733.0,"end":733.4,"sentiment":"positive","sentiment_score":0.8626159429550171},{"text":"Thank you so much for that.","start":733.4,"end":734.7,"sentiment":"positive","sentiment_score":0.8941287597020467}],"sentiment":"positive","sentiment_score":0.7554752498865127,"num_words":10,"start":730.36,"end":734.7},{"sentences":[{"text":"You too.","start":736.44,"end":736.92,"sentiment":"positive","sentiment_score":0.43023982644081116},{"text":"See you.","start":736.92,"end":737.32,"sentiment":"positive","sentiment_score":0.47988617420196533},{"text":"Bye.","start":737.32,"end":737.82,"sentiment":"neutral","sentiment_score":0.30531126260757446}],"sentiment":"positive","sentiment_score":0.4251126527786255,"num_words":5,"start":736.44,"end":737.82}]}}]}],"paragraphs":{"transcript":"\nChannel 1: I'll see if this person is available.\n\nChannel 0: Good morning, Lynn. It's Kyle calling from Oakview Financial.\n\nChannel 1: Hello? Speaking.\n\nChannel 0: Hi, Lynn. It's Carl from Oakview Financial. How are you this morning? That's good to hear. I just scheduled in for a bit of a follow-up this morning.\n\nIs now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Just to jump into that one there today, Lynn, if I could just pass through security with that name, date of birth, and current address, please?\n\nChannel 1: I'm Kathleen Beck in the 07/02/1927. 14 yard cruise in All Hills Queensland.\n\nChannel 0: Perfect. Thank you for that one, Lynn. Now I don't know if you remember because it was quite a while ago now. I know there was a bit of back and forth ex. We originally went to the SOA, and then we found the the trauma policy from when you first came on board that I was unaware of there.\n\nAnd then we've moved it over, and then we just need to have a bit of a catch up in regards to how we'd like to proceed in terms of that because we were looking at insurance reduction and that investment update inside your superannuation, if you remember. And\n\nChannel 1: Yep.\n\nChannel 0: then, yeah, just with the trauma policy as well, you do have, like, a a family protection as well as, like, a trauma policy for that and just seeing how you wanted to proceed with that as well in terms of, like, if you did wanna reduce\n\nChannel 1: Yep. No.\n\nChannel 0: those\n\nChannel 1: I think Sarah and Samuels is 20,\n\nChannel 0: cover\n\nChannel 1: I think, was it? Or 15, something like that,\n\nChannel 0: amounts.\n\nChannel 1: I think the kids were, if I remember.\n\nChannel 0: At the moment, when I brought them up just for the so the the crisis, which is, like, your trauma is around 166 for your yourself, and then for each of the kids, about 16,600 for those.\n\nChannel 1: Okay. No. That's fine. That's cool. Sounds good.\n\nChannel 0: You're happy to keep the the trauma amount as is in paying that monthly benefit?\n\nChannel 1: How much is it? I don't even have much of this to be fair.\n\nChannel 0: So at the moment, it's as annualized premium is $2,747 and a monthly amount around the $230 a month for for those.\n\nChannel 1: Oh, okay. So\n\nChannel 0: Yes.\n\nChannel 1: let's\n\nChannel 0: So\n\nChannel 1: cut\n\nChannel 0: it is\n\nChannel 1: them up.\n\nChannel 0: quite up there. I know originally sort of from the original advice and discussions around your your cover and what you wanted to be covered for, you did wanna look at cutting back on your your TPD and and life there as well just to make it so it was a bit more affordable and just giving you a current level of debt. And then, yeah, when the trauma policy came up, we didn't proceed with presenting the advice piece just based on the fact that I wasn't aware of it before creating the advice piece, and then we got it moved over per the original recommendation you did have, so we had visibility on it. And just for the past few months of the year, we were just sort of unable to get a hold of you and get you booked in, if that makes sense.\n\nChannel 1: Yeah. No. It's been a bit crazy. The last few months have been a bit crazy to see. So yeah.\n\nNo. That's okay. So if I reduce it, what would it all go down to? And would it really yeah.\n\nChannel 0: Make a difference in cost if that's sort of\n\nChannel 1: Yeah.\n\nChannel 0: what you're gonna. Yep. I can sort of request a quote there for you. How much do you think you feel you'd be comfortable with with that? Because let me just have a quick look.\n\nThe the child cover isn't a huge expense. The main expense there is in regards to your own, so we could look at reducing that down potentially.\n\nChannel 1: What is it? It's how much is it for my a five it's for when I fall at work or something. Is that what it's sort of covering, or what is it covering?\n\nChannel 0: So trauma cover or, like, the crisis recovery, it depends on the PDFs, but, generally, it's for, like, traumatic events and things like that that don't sort of fall into regards to you know, it's like heart attacks, strokes, things like that. Obviously, I'd have to look at the PDFs and see the exact cover and what it covers you for. Obviously, when you have an injury at work, you can potentially be covered by some form of workers' comp yeah. And then this is sort of like the bridge between TBD insurance and income protection insurance where you may not be injured to the point where you have to take more than a month off work or you sort of may not be injured to the point where unable to work. But it just means that you're able\n\nChannel 1: Because they'll cover\n\nChannel 0: to have\n\nChannel 1: the mortgage\n\nChannel 0: some\n\nChannel 1: payments and have money. Oh.\n\nChannel 0: yeah. All sort of medical costs when it comes to certain health conditions that do arise and the ones\n\nChannel 1: Yep.\n\nChannel 0: you are covered for.\n\nChannel 1: Okay. So how much is it? Am I actually covered for at the moment without changing it?\n\nChannel 0: 166,000.\n\nChannel 1: What? Okay. That would be paid out in a lump sum or do they pay that out monthly or how would that I don't even know how\n\nChannel 0: Some of the older ones\n\nChannel 1: that\n\nChannel 0: can be done as\n\nChannel 1: would\n\nChannel 0: sort of like\n\nChannel 1: work.\n\nChannel 0: like\n\nChannel 1: Too\n\nChannel 0: paid out like in in\n\nChannel 1: sure.\n\nChannel 0: bits, but it's generally a lump sum figure in\n\nChannel 1: Oh, okay.\n\nChannel 0: regards to yeah.\n\nChannel 1: Great. And then my life insurance is still quite high, isn't it? It's like 8. Is it still?\n\nChannel 0: It's we're up around a bit over 1,000,000 now because we're looking at that reduction originally, but we didn't do. I think the original recommendation was gonna be around the $7.50 mark.\n\nChannel 1: Well, that's what's taking on my that's what's taking on a super early, isn't it, to be honest, when I've looked at it.\n\nChannel 0: Yeah. Yeah. The the income protection on that one is quite high in terms of, like, the cost, which is what we're gonna address as well with that.\n\nChannel 1: Okay. Yep. So I don't I don't know what you're thinking of the cost would be, but yeah. Okay.\n\nChannel 0: Because original recommend just for the life and TPD portions, which from the discussions we did have, I'll just show you there. Because at the moment, your yearly premiums for just the life TPD and IP is around the $10,000 mark. We're gonna look at reducing life and TPD around $7.50 and then reduce your income protection cover amount down to around $3,750 as a monthly benefit just on the amount that you're able to claim on and then keeping the waiting period and benefit period the same. But we could also look at reducing the waiting period and benefit period to help reduce the the cost out of your superannuation as well.\n\nChannel 1: Okay. Yep. So then what would the life insurance drop down to? Like, if something happened to me. That's\n\nChannel 0: We\n\nChannel 1: the main\n\nChannel 0: we're gonna\n\nChannel 1: one.\n\nChannel 0: put it just at the 750,000, which covers your debt and then then some.\n\nChannel 1: Yeah. Okay. I will talk to Scott and see if he wants to change it down. So yeah. I don't know if that would be enough at the moment\n\nChannel 0: Okay.\n\nChannel 1: to cover solar\n\nChannel 0: Do you want\n\nChannel 1: bills.\n\nChannel 0: yeah. No. Understandable. Do you want me to email you your certificates of currencies for your two products, and then you can have a look over them there, Lynn, and we can have another discussion after you've had a chance to review them?\n\nChannel 1: Yeah. No. That sounds good. Yeah. Because, yeah, I didn't think it would yeah.\n\nI don't actually know how much we have to work out how much it would be he would need. Even though the kids are getting a little bit older, it's just to cover the mortgage and can't let the bills and stuff that we have in order and stuff. So yeah.\n\nChannel 0: Yeah. Well, at at the moment, it's income protection policy that is the the more expensive one just due to the age because it is a more comprehensive policy being it is an older policy. Otherwise, we might potentially look at returning to market. It also covers you all the way up to the age of 65, and we can look at trying to change that. Obviously, some of the older policies, you can't, but we can see if we can change that down to a benefit period of five years, which just means that if something did occur to you and you ended up on a claim, it means it'd only pay for up to five years, not until the eight up to the age of 65.\n\nIf that makes sense, then that can also help reduce those costs down.\n\nChannel 1: Okay. Yeah. No. That doesn't matter. It doesn't yeah.\n\nThat's fine. Yep. No.\n\nChannel 0: Yep.\n\nChannel 1: Just do that and we'll figure out and then I'll talk to Scott. But it'll still still the same until I change everything anyway. So that's okay. So\n\nChannel 0: Yeah.\n\nChannel 1: everything\n\nChannel 0: It\n\nChannel 1: will still still stay the same unless I sign it or change anything on it. So\n\nChannel 0: basically, what happened was sort of last year, we'd sort of we're gonna go through that recommendation, but we found the trauma policy so everything's remained the same since since we're not then I'm able to to reach you there, which is fine. So with that one, if we were to update the adviser, then\n\nChannel 1: Yep.\n\nChannel 0: we do have to update some details and things like that. But if you wanna have a read through that first, you can sort of even request a couple of quotes on what sort of different sums you might wanna have a look at in terms of, like, the pricing and the difference, and we can\n\nChannel 1: Yep.\n\nChannel 0: request those quotes for you and just to see what price difference that makes for you.\n\nChannel 1: Yep.\n\nChannel 0: But just respond to that email, and then once you sort of make a bit more of a decision around what you potentially might want, we can have another conversation, update your details, and get that advice piece back out to you.\n\nChannel 1: Yep. And and just change what I need wanna change or if I can see if I can keep something the same or change whatever. Yep. Sounds like a plan.\n\nChannel 0: Yeah. And then with that, we were gonna update your superannuation investments, which was the main thing there. Obviously, given everything with the war and everything, it has taken a bit of a dive. And then also because\n\nChannel 1: Yeah.\n\nChannel 0: you have I know we had that discussion around Benelong and changing that Benelong out. It is quite a heavy weighting in your portfolio, and it's done quite poorly on the back end of that year where we're unable to reach you there as well. So we still need to look at updating that with your advice piece as well even with the insurances or even if you decide to keep the level of insurance cover you hold, if that makes sense.\n\nChannel 1: Yep. So yeah. Is it quite a high loss that I did with I presume I would've all that. So I don't even know. I haven't seen anything.\n\nSo no.\n\nChannel 0: Yes. So towards the back end of last year, they had an underlying investment called corporate traveler, which wasn't accounting correctly, and they were done for not accounting correctly. And then with that, they've had to reevaluate that stock. It was put on trading hold, and as a result, it caused Ben Long to take quite a dip. And then in conjunction with what's happening with the wars and everything has caused it to dip a bit further\n\nChannel 1: Yeah.\n\nChannel 0: with that, if that makes sense. So over a twelve month period, I think it's down around 5% your superannuation from the results of that and then the war that started this this year.\n\nChannel 1: Great. Lovely. Thanks, Tom. Oh, well.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: But we can definitely look at like I said, we had the recommendation to update that portfolio previously. It's just with the insurance side of things that held it up there a bit. And obviously, you had a busy back end of the year, which is perfectly understandable coming into Christmas and everything and probably some other things. But\n\nChannel 1: Yep. No. Sorry. No. That's okay.\n\nYep. Well, we'll just send the email through, and then I will just get me just to ring up and make an appointment and get another chat or change email, whatever I need to change.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: okay.\n\nChannel 0: can are you available sorta just next week or next week in an afternoon or something to have a discussion after you've had a chance over the weekend to have a look at those and finalize everything there?\n\nChannel 1: Yep. I can do anything from Wednesday is sort of no go. I've got massive hospital appointments and stuff all coming up next week. So either Monday or Tuesday morning's a good time to call. So I can just go back over into the weekend and Scott, and we can do that.\n\nAnything\n\nChannel 0: I'm\n\nChannel 1: for Monday or Tuesday ish?\n\nChannel 0: sorry. I'll look. Would Tuesday around 12:00 still work for you?\n\nChannel 1: Yep. No. That's fine. Tuesday '12. The thirty first we're looking at?\n\nCool.\n\nChannel 0: Yeah. Tuesday, thirty first there. And we can look at getting that all finalized and getting that advice piece out to you and updating those investments\n\nChannel 1: Yep.\n\nChannel 0: and those insurances there for you, Leland.\n\nChannel 1: Yep. No. That sounds good. Yep. No.\n\nWe'll go see them over the next couple days, and I'll see what they say. Sure thing.\n\nChannel 0: Not a problem. And then, yeah, we'll just update all your details and everything then and make sure that's all accurate and up to date as well.\n\nChannel 1: Yep. Awesome. Cool. Perfect.\n\nChannel 0: No problem, Lynn. Well, I'll shoot you that off that email after I get off the phone here, and then just let us know if you have any questions or want any specific quotes\n\nChannel 1: Yep.\n\nChannel 0: for that appointment to go over.\n\nChannel 1: Okay. Cool. Awesome. Thank you so much for that.\n\nChannel 0: No problem then. You enjoy the rest of your day. Thanks for your\n\nChannel 1: You\n\nChannel 0: time.\n\nChannel 1: too. See you. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"I'll see if this person is available.","start":0.48,"end":2.34,"sentiment":"neutral","sentiment_score":0.016237024483936175}],"sentiment":"neutral","sentiment_score":0.016237024483936175,"channel":1,"num_words":7,"start":0.48,"end":2.34},{"sentences":[{"text":"Good morning, Lynn.","start":6.08,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.22756881018479666},{"text":"It's Kyle calling from Oakview Financial.","start":6.8799996,"end":8.98,"sentiment":"neutral","sentiment_score":0.1073395311832428}],"sentiment":"neutral","sentiment_score":0.14741595751709408,"channel":0,"num_words":9,"start":6.08,"end":8.98},{"sentences":[{"text":"Hello?","start":16.215,"end":16.715,"sentiment":"neutral","sentiment_score":0.06957340240478516},{"text":"Speaking.","start":16.855,"end":17.355,"sentiment":"neutral","sentiment_score":0.06036561727523804}],"sentiment":"neutral","sentiment_score":0.0649695098400116,"channel":1,"num_words":2,"start":16.215,"end":17.355},{"sentences":[{"text":"Hi, Lynn.","start":18.495,"end":19.135,"sentiment":"neutral","sentiment_score":0.15087272226810455},{"text":"It's Carl from Oakview Financial.","start":19.135,"end":20.494999,"sentiment":"neutral","sentiment_score":0.14916886985301972},{"text":"How are you this morning?","start":20.494999,"end":21.555,"sentiment":"neutral","sentiment_score":0.23903873264789582},{"text":"That's good to hear.","start":23.055,"end":23.935001,"sentiment":"positive","sentiment_score":0.6307923048734665},{"text":"I just scheduled in for a bit of a follow-up this morning.","start":23.935001,"end":26.175,"sentiment":"neutral","sentiment_score":0.3241571473578612}],"sentiment":"neutral","sentiment_score":0.30913708731532097,"channel":0,"num_words":28,"start":18.495,"end":26.175},{"sentences":[{"text":"Is now still a good time for you?","start":26.175,"end":27.69,"sentiment":"neutral","sentiment_score":0.25477047078311443}],"sentiment":"neutral","sentiment_score":0.25477047078311443,"channel":0,"num_words":8,"start":26.175,"end":27.69},{"sentences":[{"text":"Yep.","start":27.895,"end":28.26,"sentiment":"neutral","sentiment_score":0.2269517481327057}],"sentiment":"neutral","sentiment_score":0.2269517481327057,"channel":1,"num_words":1,"start":27.895,"end":28.26},{"sentences":[{"text":"Perfect.","start":30.09,"end":30.41,"sentiment":"positive","sentiment_score":0.4420141577720642},{"text":"Just to jump into that one there today, Lynn, if I could just pass through security with that name, date of birth, and current address, please?","start":30.41,"end":36.11,"sentiment":"neutral","sentiment_score":0.16311873151705816}],"sentiment":"neutral","sentiment_score":0.17344819174872506,"channel":0,"num_words":27,"start":30.09,"end":36.11},{"sentences":[{"text":"I'm Kathleen Beck in the 07/02/1927.","start":36.42,"end":39.48,"sentiment":"neutral","sentiment_score":0.026324132457375526},{"text":"14 yard cruise in All Hills Queensland.","start":39.62,"end":41.64,"sentiment":"neutral","sentiment_score":0.05912182852625847}],"sentiment":"neutral","sentiment_score":0.04398443034062019,"channel":1,"num_words":13,"start":36.42,"end":41.64},{"sentences":[{"text":"Perfect.","start":42.825,"end":43.145,"sentiment":"positive","sentiment_score":0.5052236318588257},{"text":"Thank you for that one, Lynn.","start":43.145,"end":44.365,"sentiment":"positive","sentiment_score":0.5100234299898148},{"text":"Now I don't know if you remember because it was quite a while ago now.","start":44.505,"end":48.185,"sentiment":"neutral","sentiment_score":-0.08276315679152807},{"text":"I know there was a bit of back and forth ex.","start":48.185,"end":50.985,"sentiment":"neutral","sentiment_score":-0.12160847132856195},{"text":"We originally went to the SOA, and then we found the the trauma policy from when you first came on board that I was unaware of there.","start":50.985,"end":58.16,"sentiment":"neutral","sentiment_score":-0.12514718953106138}],"sentiment":"neutral","sentiment_score":-0.039879174033800764,"channel":0,"num_words":60,"start":42.825,"end":58.16},{"sentences":[{"text":"And then we've moved it over, and then we just need to have a bit of a catch up in regards to how we'd like to proceed in terms of that because we were looking at insurance reduction and that investment update inside your superannuation, if you remember.","start":58.16,"end":70.765,"sentiment":"neutral","sentiment_score":-0.06817695199667166},{"text":"And","start":71.145004,"end":71.385,"sentiment":"neutral","sentiment_score":0.035644661635160446}],"sentiment":"neutral","sentiment_score":-0.0660581435552057,"channel":0,"num_words":49,"start":58.16,"end":71.385},{"sentences":[{"text":"Yep.","start":71.19,"end":71.565,"sentiment":"neutral","sentiment_score":0.02125765196979046}],"sentiment":"neutral","sentiment_score":0.02125765196979046,"channel":1,"num_words":1,"start":71.19,"end":71.565},{"sentences":[{"text":"then, yeah, just with the trauma policy as well, you do have, like, a a family protection as well as, like, a trauma policy for that and just seeing how you wanted to proceed with that as well in terms of, like, if you did wanna reduce","start":71.385,"end":83.62,"sentiment":"neutral","sentiment_score":0.02585122492560681}],"sentiment":"neutral","sentiment_score":0.02585122492560681,"channel":0,"num_words":47,"start":71.385,"end":83.62},{"sentences":[{"text":"Yep.","start":85.245,"end":85.565,"sentiment":"neutral","sentiment_score":-0.034148603677749634},{"text":"No.","start":85.565,"end":85.725006,"sentiment":"neutral","sentiment_score":-0.1554454267024994}],"sentiment":"neutral","sentiment_score":-0.09479701519012451,"channel":1,"num_words":2,"start":85.245,"end":85.725006},{"sentences":[{"text":"those","start":85.700005,"end":86.200005,"sentiment":"neutral","sentiment_score":-0.13690701127052307}],"sentiment":"neutral","sentiment_score":-0.13690701127052307,"channel":0,"num_words":1,"start":85.700005,"end":86.200005},{"sentences":[{"text":"I think Sarah and Samuels is 20,","start":85.725006,"end":88.5,"sentiment":"neutral","sentiment_score":-0.1416357989822115}],"sentiment":"neutral","sentiment_score":-0.1416357989822115,"channel":1,"num_words":7,"start":85.725006,"end":88.5},{"sentences":[{"text":"cover","start":88.28,"end":88.78,"sentiment":"neutral","sentiment_score":-0.11964967846870422}],"sentiment":"neutral","sentiment_score":-0.11964967846870422,"channel":0,"num_words":1,"start":88.28,"end":88.78},{"sentences":[{"text":"I think, was it?","start":88.5,"end":89.22,"sentiment":"neutral","sentiment_score":-0.13153035938739777},{"text":"Or 15, something like that,","start":89.22,"end":91.14,"sentiment":"neutral","sentiment_score":-0.13556547909975053}],"sentiment":"neutral","sentiment_score":-0.13377209256092706,"channel":1,"num_words":9,"start":88.5,"end":91.14},{"sentences":[{"text":"amounts.","start":90.86,"end":91.36,"sentiment":"neutral","sentiment_score":-0.16915783286094666}],"sentiment":"neutral","sentiment_score":-0.16915783286094666,"channel":0,"num_words":1,"start":90.86,"end":91.36},{"sentences":[{"text":"I think the kids were, if I remember.","start":91.14,"end":93.64,"sentiment":"neutral","sentiment_score":-0.11896794475615025}],"sentiment":"neutral","sentiment_score":-0.11896794475615025,"channel":1,"num_words":8,"start":91.14,"end":93.64},{"sentences":[{"text":"At the moment, when I brought them up just for the so the the crisis, which is, like, your trauma is around 166 for your yourself, and then for each of the kids, about 16,600 for those.","start":93.44,"end":108.354996,"sentiment":"neutral","sentiment_score":-0.09513909208613473}],"sentiment":"neutral","sentiment_score":-0.09513909208613473,"channel":0,"num_words":37,"start":93.44,"end":108.354996},{"sentences":[{"text":"Okay.","start":108.945,"end":109.265,"sentiment":"neutral","sentiment_score":0.019381826743483543},{"text":"No.","start":109.265,"end":109.424995,"sentiment":"neutral","sentiment_score":-0.012997016310691832},{"text":"That's fine.","start":109.424995,"end":109.985,"sentiment":"neutral","sentiment_score":0.09841921553015709},{"text":"That's cool.","start":109.985,"end":110.80499,"sentiment":"positive","sentiment_score":0.4224780201911926},{"text":"Sounds good.","start":110.945,"end":111.765,"sentiment":"neutral","sentiment_score":0.23610667511820793}],"sentiment":"neutral","sentiment_score":0.19004907901398838,"channel":1,"num_words":8,"start":108.945,"end":111.765},{"sentences":[{"text":"You're happy to keep the the trauma amount as is in paying that monthly benefit?","start":112.02,"end":116.119995,"sentiment":"positive","sentiment_score":0.5655481378237407}],"sentiment":"positive","sentiment_score":0.5655481378237407,"channel":0,"num_words":15,"start":112.02,"end":116.119995},{"sentences":[{"text":"How much is it?","start":116.69,"end":117.33,"sentiment":"neutral","sentiment_score":0.04873066581785679},{"text":"I don't even have much of this to be fair.","start":117.33,"end":119.19,"sentiment":"neutral","sentiment_score":-0.15895092263817787}],"sentiment":"neutral","sentiment_score":-0.09961332593645368,"channel":1,"num_words":14,"start":116.69,"end":119.19},{"sentences":[{"text":"So at the moment, it's as annualized premium is $2,747 and a monthly amount around the $230 a month for for those.","start":120.34,"end":130.27501,"sentiment":"neutral","sentiment_score":-0.03865899666297165}],"sentiment":"neutral","sentiment_score":-0.03865899666297165,"channel":0,"num_words":22,"start":120.34,"end":130.27501},{"sentences":[{"text":"Oh, okay.","start":130.03499,"end":130.69499,"sentiment":"neutral","sentiment_score":0.03482312988489866},{"text":"So","start":134.03499,"end":134.275,"sentiment":"neutral","sentiment_score":0.0420171394944191}],"sentiment":"neutral","sentiment_score":0.03722113308807214,"channel":1,"num_words":3,"start":130.03499,"end":134.275},{"sentences":[{"text":"Yes.","start":134.095,"end":134.41501,"sentiment":"neutral","sentiment_score":0.054985061287879944}],"sentiment":"neutral","sentiment_score":0.054985061287879944,"channel":0,"num_words":1,"start":134.095,"end":134.41501},{"sentences":[{"text":"let's","start":134.275,"end":134.515,"sentiment":"neutral","sentiment_score":0.04690387845039368}],"sentiment":"neutral","sentiment_score":0.04690387845039368,"channel":1,"num_words":1,"start":134.275,"end":134.515},{"sentences":[{"text":"So","start":134.41501,"end":134.655,"sentiment":"neutral","sentiment_score":0.05074891448020935}],"sentiment":"neutral","sentiment_score":0.05074891448020935,"channel":0,"num_words":1,"start":134.41501,"end":134.655},{"sentences":[{"text":"cut","start":134.515,"end":134.83499,"sentiment":"neutral","sentiment_score":0.05488036572933197}],"sentiment":"neutral","sentiment_score":0.05488036572933197,"channel":1,"num_words":1,"start":134.515,"end":134.83499},{"sentences":[{"text":"it is","start":134.655,"end":135.315,"sentiment":"neutral","sentiment_score":0.033104230649769306}],"sentiment":"neutral","sentiment_score":0.033104230649769306,"channel":0,"num_words":2,"start":134.655,"end":135.315},{"sentences":[{"text":"them up.","start":134.83499,"end":135.415,"sentiment":"neutral","sentiment_score":0.020564137026667595}],"sentiment":"neutral","sentiment_score":0.020564137026667595,"channel":1,"num_words":2,"start":134.83499,"end":135.415},{"sentences":[{"text":"quite up there.","start":135.73,"end":136.77,"sentiment":"neutral","sentiment_score":-0.015425536781549454},{"text":"I know originally sort of from the original advice and discussions around your your cover and what you wanted to be covered for, you did wanna look at cutting back on your your TPD and and life there as well just to make it so it was a bit more affordable and just giving you a current level of debt.","start":136.77,"end":155.025,"sentiment":"neutral","sentiment_score":0.11847184368719657},{"text":"And then, yeah, when the trauma policy came up, we didn't proceed with presenting the advice piece just based on the fact that I wasn't aware of it before creating the advice piece, and then we got it moved over per the original recommendation you did have, so we had visibility on it.","start":155.025,"end":167.56,"sentiment":"neutral","sentiment_score":-0.07369708909459834},{"text":"And just for the past few months of the year, we were just sort of unable to get a hold of you and get you booked in, if that makes sense.","start":167.56,"end":172.62001,"sentiment":"neutral","sentiment_score":-0.2870201583831541}],"sentiment":"neutral","sentiment_score":-0.039058072251730226,"channel":0,"num_words":147,"start":135.73,"end":172.62001},{"sentences":[{"text":"Yeah.","start":172.40001,"end":172.72,"sentiment":"neutral","sentiment_score":-0.09491273760795592},{"text":"No.","start":172.72,"end":172.88,"sentiment":"neutral","sentiment_score":-0.19941458106040957},{"text":"It's been a bit crazy.","start":172.88,"end":173.92,"sentiment":"neutral","sentiment_score":-0.2670247107744217},{"text":"The last few months have been a bit crazy to see.","start":173.92,"end":176.64,"sentiment":"neutral","sentiment_score":-0.3109674535014413},{"text":"So yeah.","start":176.64,"end":176.96,"sentiment":"neutral","sentiment_score":-0.11493318900465965}],"sentiment":"neutral","sentiment_score":-0.26399796195328235,"channel":1,"num_words":20,"start":172.40001,"end":176.96},{"sentences":[{"text":"No.","start":176.96,"end":177.12,"sentiment":"neutral","sentiment_score":-0.13242056965827942},{"text":"That's okay.","start":177.12,"end":177.94,"sentiment":"neutral","sentiment_score":-0.0644560307264328},{"text":"So if I reduce it, what would it all go down to?","start":178.32,"end":181.695,"sentiment":"neutral","sentiment_score":-0.02231919765472412},{"text":"And would it really yeah.","start":181.695,"end":185.395,"sentiment":"neutral","sentiment_score":-0.013086120039224625}],"sentiment":"neutral","sentiment_score":-0.02972968015819788,"channel":1,"num_words":20,"start":176.96,"end":185.395},{"sentences":[{"text":"Make a difference in cost if that's sort of","start":185.675,"end":187.515,"sentiment":"neutral","sentiment_score":-0.03401933631135358}],"sentiment":"neutral","sentiment_score":-0.03401933631135358,"channel":0,"num_words":9,"start":185.675,"end":187.515},{"sentences":[{"text":"Yeah.","start":187.455,"end":187.955,"sentiment":"neutral","sentiment_score":0.03671132028102875}],"sentiment":"neutral","sentiment_score":0.03671132028102875,"channel":1,"num_words":1,"start":187.455,"end":187.955},{"sentences":[{"text":"what you're gonna.","start":187.515,"end":188.4,"sentiment":"neutral","sentiment_score":0.07205238193273544},{"text":"Yep.","start":189.2,"end":189.7,"sentiment":"neutral","sentiment_score":0.1866869032382965},{"text":"I can sort of request a quote there for you.","start":190.0,"end":193.12,"sentiment":"neutral","sentiment_score":0.22944457083940506},{"text":"How much do you think you feel you'd be comfortable with with 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is it for my a five it's for when I fall at work or something.","start":212.80501,"end":216.485,"sentiment":"neutral","sentiment_score":0.0033247648324403497},{"text":"Is that what it's sort of covering, or what is it covering?","start":216.485,"end":219.065,"sentiment":"neutral","sentiment_score":-0.04696928973620137}],"sentiment":"neutral","sentiment_score":-0.013934526282052198,"channel":1,"num_words":33,"start":212.24501,"end":219.065},{"sentences":[{"text":"So trauma cover or, like, the crisis recovery, it depends on the PDFs, but, generally, it's for, like, traumatic events and things like that that don't sort of fall into regards to you know, it's like heart attacks, strokes, things like that.","start":219.95,"end":235.285,"sentiment":"neutral","sentiment_score":-0.10409278338331551},{"text":"Obviously, I'd have to look at the PDFs and see the exact cover and what it covers you 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yeah.","start":490.105,"end":490.98502,"sentiment":"neutral","sentiment_score":-0.002372624973456066}],"sentiment":"neutral","sentiment_score":0.020534408899645012,"channel":1,"num_words":9,"start":487.5,"end":490.98502},{"sentences":[{"text":"That's fine.","start":490.98502,"end":491.805,"sentiment":"neutral","sentiment_score":0.20869579166173935},{"text":"Yep.","start":492.105,"end":492.42502,"sentiment":"neutral","sentiment_score":0.13408860564231873},{"text":"No.","start":492.42502,"end":492.585,"sentiment":"neutral","sentiment_score":0.00885823741555214}],"sentiment":"neutral","sentiment_score":0.1400846065953374,"channel":1,"num_words":4,"start":490.98502,"end":492.585},{"sentences":[{"text":"Yep.","start":492.495,"end":492.995,"sentiment":"neutral","sentiment_score":0.08560758084058762}],"sentiment":"neutral","sentiment_score":0.08560758084058762,"channel":0,"num_words":1,"start":492.495,"end":492.995},{"sentences":[{"text":"Just do that and we'll figure out and then I'll talk to Scott.","start":492.585,"end":495.305,"sentiment":"neutral","sentiment_score":0.0925478281883093},{"text":"But it'll still still the same until I change everything anyway.","start":495.305,"end":498.105,"sentiment":"neutral","sentiment_score":0.006884394721551375},{"text":"So that's okay.","start":498.105,"end":499.64502,"sentiment":"neutral","sentiment_score":0.17819764713446298},{"text":"So","start":500.025,"end":500.345,"sentiment":"neutral","sentiment_score":0.1503387689590454}],"sentiment":"neutral","sentiment_score":0.07013506495526858,"channel":1,"num_words":28,"start":492.585,"end":500.345},{"sentences":[{"text":"Yeah.","start":500.335,"end":500.655,"sentiment":"neutral","sentiment_score":0.1277715116739273}],"sentiment":"neutral","sentiment_score":0.1277715116739273,"channel":0,"num_words":1,"start":500.335,"end":500.655},{"sentences":[{"text":"everything","start":500.345,"end":500.665,"sentiment":"neutral","sentiment_score":0.10515902936458588}],"sentiment":"neutral","sentiment_score":0.10515902936458588,"channel":1,"num_words":1,"start":500.345,"end":500.665},{"sentences":[{"text":"It","start":500.655,"end":501.155,"sentiment":"neutral","sentiment_score":0.04585367441177368}],"sentiment":"neutral","sentiment_score":0.04585367441177368,"channel":0,"num_words":1,"start":500.655,"end":501.155},{"sentences":[{"text":"will still still stay the same unless I sign it or change anything on it.","start":500.665,"end":504.59003,"sentiment":"neutral","sentiment_score":0.019691015283266704},{"text":"So","start":504.59003,"end":504.83002,"sentiment":"neutral","sentiment_score":0.03358489274978638}],"sentiment":"neutral","sentiment_score":0.020559382624924183,"channel":1,"num_words":16,"start":500.665,"end":504.83002},{"sentences":[{"text":"basically, what happened was sort of last year, we'd sort of we're gonna go through that recommendation, but we found the trauma policy so everything's remained the same since since we're not then I'm able to to reach you there, which is fine.","start":505.00998,"end":515.82996,"sentiment":"neutral","sentiment_score":-0.07169171855893246},{"text":"So with that one, if we were to update the adviser, then","start":516.665,"end":519.225,"sentiment":"neutral","sentiment_score":0.09730198327451944}],"sentiment":"neutral","sentiment_score":-0.03482036543163386,"channel":0,"num_words":55,"start":505.00998,"end":519.225},{"sentences":[{"text":"Yep.","start":519.125,"end":519.625,"sentiment":"neutral","sentiment_score":0.119721457362175}],"sentiment":"neutral","sentiment_score":0.119721457362175,"channel":1,"num_words":1,"start":519.125,"end":519.625},{"sentences":[{"text":"we do have to update some details and things like that.","start":519.225,"end":521.225,"sentiment":"neutral","sentiment_score":0.043792386623946106},{"text":"But if you wanna have a read through that first, you can sort of even request a couple of quotes on what sort of different sums you might wanna have a look at in terms of, like, the pricing and the difference, and we can","start":521.225,"end":531.26996,"sentiment":"neutral","sentiment_score":0.16212543431255552}],"sentiment":"neutral","sentiment_score":0.13888144280229295,"channel":0,"num_words":56,"start":519.225,"end":531.26996},{"sentences":[{"text":"Yep.","start":531.06,"end":531.56,"sentiment":"neutral","sentiment_score":0.27384912967681885}],"sentiment":"neutral","sentiment_score":0.27384912967681885,"channel":1,"num_words":1,"start":531.06,"end":531.56},{"sentences":[{"text":"request those quotes for you and just to see what price difference that makes for you.","start":531.26996,"end":535.37,"sentiment":"neutral","sentiment_score":0.24735044036060572}],"sentiment":"neutral","sentiment_score":0.24735044036060572,"channel":0,"num_words":16,"start":531.26996,"end":535.37},{"sentences":[{"text":"Yep.","start":535.62,"end":536.12,"sentiment":"neutral","sentiment_score":-0.014314450323581696}],"sentiment":"neutral","sentiment_score":-0.014314450323581696,"channel":1,"num_words":1,"start":535.62,"end":536.12},{"sentences":[{"text":"But just respond to that email, and then once you sort of make a bit more of a decision around what you potentially might want, we can have another conversation, update your details, and get that advice piece back out to you.","start":535.67,"end":544.605,"sentiment":"neutral","sentiment_score":0.07466239938955932}],"sentiment":"neutral","sentiment_score":0.07466239938955932,"channel":0,"num_words":42,"start":535.67,"end":544.605},{"sentences":[{"text":"Yep.","start":544.335,"end":544.655,"sentiment":"neutral","sentiment_score":0.10111270844936372},{"text":"And and just change what I need wanna change or if I can see if I can keep something the same or change whatever.","start":544.655,"end":549.955,"sentiment":"neutral","sentiment_score":0.05947652210791906},{"text":"Yep.","start":550.015,"end":550.515,"sentiment":"neutral","sentiment_score":0.1745072305202484},{"text":"Sounds like a 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with the insurances or even if you decide to keep the level of insurance cover you hold, if that makes sense.","start":572.455,"end":581.515,"sentiment":"neutral","sentiment_score":-0.07784326696718061}],"sentiment":"neutral","sentiment_score":-0.1544823226768796,"channel":0,"num_words":82,"start":561.82,"end":581.515},{"sentences":[{"text":"Yep.","start":581.935,"end":582.335,"sentiment":"neutral","sentiment_score":-0.010353827849030496},{"text":"So yeah.","start":582.335,"end":583.135,"sentiment":"neutral","sentiment_score":-0.05747653916478157},{"text":"Is it quite a high loss that I did with I presume I would've all that.","start":583.135,"end":587.75,"sentiment":"neutral","sentiment_score":-0.3096425496041775},{"text":"So I don't even know.","start":587.75,"end":588.70996,"sentiment":"neutral","sentiment_score":-0.21263059377670288},{"text":"I haven't seen 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a bit.","start":633.485,"end":636.445,"sentiment":"neutral","sentiment_score":-0.0033615936835606893},{"text":"And obviously, you had a busy back end of the year, which is perfectly understandable coming into Christmas and everything and probably some other 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are you available sorta just next week or next week in an afternoon or something to have a discussion after you've had a chance over the weekend to have a look at those and finalize everything there?","start":657.65497,"end":669.08,"sentiment":"neutral","sentiment_score":0.1525685714655801}],"sentiment":"neutral","sentiment_score":0.1525685714655801,"channel":0,"num_words":38,"start":657.65497,"end":669.08},{"sentences":[{"text":"Yep.","start":669.14,"end":669.46,"sentiment":"neutral","sentiment_score":0.09055673331022264},{"text":"I can do anything from Wednesday is sort of no go.","start":669.46,"end":675.3,"sentiment":"neutral","sentiment_score":-0.05254447324709459},{"text":"I've got massive hospital appointments and stuff all coming up next week.","start":675.3,"end":678.66003,"sentiment":"neutral","sentiment_score":-0.042590041334430374},{"text":"So either Monday or Tuesday morning's a good time to 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ish?","start":688.705,"end":690.16504,"sentiment":"neutral","sentiment_score":0.015080699510872365}],"sentiment":"neutral","sentiment_score":0.015080699510872365,"channel":1,"num_words":5,"start":688.705,"end":690.16504},{"sentences":[{"text":"sorry.","start":692.20996,"end":692.49,"sentiment":"neutral","sentiment_score":-0.019061017781496048},{"text":"I'll look.","start":692.49,"end":692.85,"sentiment":"neutral","sentiment_score":-0.0032005884386308026},{"text":"Would Tuesday around 12:00 still work for you?","start":692.85,"end":695.67,"sentiment":"neutral","sentiment_score":0.019833596306852996}],"sentiment":"neutral","sentiment_score":0.012109688708733302,"channel":0,"num_words":11,"start":692.20996,"end":695.67},{"sentences":[{"text":"Yep.","start":695.69,"end":695.85,"sentiment":"neutral","sentiment_score":0.019712259992957115},{"text":"No.","start":695.85,"end":696.01,"sentiment":"neutral","sentiment_score":0.0013558026403188703},{"text":"That's fine.","start":696.01,"end":696.57,"sentiment":"neutral","sentiment_score":0.044252682477235794},{"text":"Tuesday '12.","start":696.57,"end":697.45,"sentiment":"neutral","sentiment_score":0.02120102010667324},{"text":"The thirty first we're looking at?","start":697.45,"end":699.37,"sentiment":"neutral","sentiment_score":0.03597440508504709}],"sentiment":"neutral","sentiment_score":0.03065182485928138,"channel":1,"num_words":12,"start":695.69,"end":699.37},{"sentences":[{"text":"Cool.","start":699.37,"end":699.87,"sentiment":"neutral","sentiment_score":0.22718682885169983}],"sentiment":"neutral","sentiment_score":0.22718682885169983,"channel":1,"num_words":1,"start":699.37,"end":699.87},{"sentences":[{"text":"Yeah.","start":699.97,"end":700.37,"sentiment":"neutral","sentiment_score":0.15171632170677185},{"text":"Tuesday, thirty first there.","start":700.37,"end":701.99,"sentiment":"neutral","sentiment_score":0.14569132775068283},{"text":"And we can look at getting that all finalized and getting that advice piece out to you and updating those investments","start":702.235,"end":706.875,"sentiment":"neutral","sentiment_score":0.2585029091153826}],"sentiment":"neutral","sentiment_score":0.23704010477432838,"channel":0,"num_words":26,"start":699.97,"end":706.875},{"sentences":[{"text":"Yep.","start":706.64996,"end":707.14996,"sentiment":"neutral","sentiment_score":0.1324588507413864}],"sentiment":"neutral","sentiment_score":0.1324588507413864,"channel":1,"num_words":1,"start":706.64996,"end":707.14996},{"sentences":[{"text":"and those insurances there for you, Leland.","start":706.875,"end":709.055,"sentiment":"neutral","sentiment_score":0.1601055966956275}],"sentiment":"neutral","sentiment_score":0.1601055966956275,"channel":0,"num_words":7,"start":706.875,"end":709.055},{"sentences":[{"text":"Yep.","start":709.265,"end":709.585,"sentiment":"neutral","sentiment_score":0.09677678346633913},{"text":"No.","start":709.585,"end":709.745,"sentiment":"neutral","sentiment_score":0.11494593322277068},{"text":"That sounds good.","start":709.745,"end":710.385,"sentiment":"neutral","sentiment_score":0.32464002072811127},{"text":"Yep.","start":710.385,"end":710.54504,"sentiment":"neutral","sentiment_score":0.12580576539039612},{"text":"No.","start":710.54504,"end":710.705,"sentiment":"neutral","sentiment_score":0.056611351668834686}],"sentiment":"neutral","sentiment_score":0.19543712799038207,"channel":1,"num_words":7,"start":709.265,"end":710.705},{"sentences":[{"text":"We'll go see them over the next couple days, and I'll see what they say.","start":710.705,"end":713.925,"sentiment":"neutral","sentiment_score":0.07977890049417814},{"text":"Sure thing.","start":714.625,"end":715.525,"sentiment":"neutral","sentiment_score":0.2550552934408188}],"sentiment":"neutral","sentiment_score":0.10039965260554762,"channel":1,"num_words":17,"start":710.705,"end":715.525},{"sentences":[{"text":"Not a problem.","start":715.77,"end":716.41003,"sentiment":"positive","sentiment_score":0.34463242689768475},{"text":"And then, yeah, we'll just update all your details and everything then and make sure that's all accurate and up to date as well.","start":716.41003,"end":721.79004,"sentiment":"neutral","sentiment_score":0.31975030650695163}],"sentiment":"neutral","sentiment_score":0.3225149865503664,"channel":0,"num_words":27,"start":715.77,"end":721.79004},{"sentences":[{"text":"Yep.","start":721.905,"end":722.305,"sentiment":"neutral","sentiment_score":0.31165552139282227},{"text":"Awesome.","start":722.305,"end":722.805,"sentiment":"positive","sentiment_score":0.7194715738296509},{"text":"Cool.","start":722.865,"end":723.365,"sentiment":"positive","sentiment_score":0.703042209148407},{"text":"Perfect.","start":723.425,"end":723.925,"sentiment":"positive","sentiment_score":0.7317639589309692}],"sentiment":"positive","sentiment_score":0.6164833158254623,"channel":1,"num_words":4,"start":721.905,"end":723.925},{"sentences":[{"text":"No problem, Lynn.","start":723.77,"end":724.65,"sentiment":"neutral","sentiment_score":0.31004857768615085},{"text":"Well, I'll shoot you that off that email after I get off the phone here, and then just let us know if you have any questions or want any specific quotes","start":724.65,"end":729.885,"sentiment":"neutral","sentiment_score":0.1624969493958258}],"sentiment":"neutral","sentiment_score":0.17551621071556034,"channel":0,"num_words":34,"start":723.77,"end":729.885},{"sentences":[{"text":"Yep.","start":730.36,"end":730.86,"sentiment":"neutral","sentiment_score":0.12492206692695618}],"sentiment":"neutral","sentiment_score":0.12492206692695618,"channel":1,"num_words":1,"start":730.36,"end":730.86},{"sentences":[{"text":"for that appointment to go over.","start":730.445,"end":732.065,"sentiment":"neutral","sentiment_score":0.24557659278313318}],"sentiment":"neutral","sentiment_score":0.24557659278313318,"channel":0,"num_words":6,"start":730.445,"end":732.065},{"sentences":[{"text":"Okay.","start":732.36,"end":732.76,"sentiment":"positive","sentiment_score":0.447762131690979},{"text":"Cool.","start":732.76,"end":733.0,"sentiment":"positive","sentiment_score":0.754679799079895},{"text":"Awesome.","start":733.0,"end":733.4,"sentiment":"positive","sentiment_score":0.8626159429550171},{"text":"Thank you so much for that.","start":733.4,"end":734.7,"sentiment":"positive","sentiment_score":0.8941287597020467}],"sentiment":"positive","sentiment_score":0.8255367146597968,"channel":1,"num_words":9,"start":732.36,"end":734.7},{"sentences":[{"text":"No problem then.","start":734.605,"end":735.245,"sentiment":"positive","sentiment_score":0.7352858980496725},{"text":"You enjoy the rest of your day.","start":735.245,"end":736.045,"sentiment":"positive","sentiment_score":0.8041045069694519},{"text":"Thanks for your","start":736.045,"end":736.605,"sentiment":"positive","sentiment_score":0.7808452049891154}],"sentiment":"positive","sentiment_score":0.7828557583001944,"channel":0,"num_words":13,"start":734.605,"end":736.605},{"sentences":[{"text":"You","start":736.44,"end":736.68,"sentiment":"positive","sentiment_score":0.3989546298980713}],"sentiment":"positive","sentiment_score":0.3989546298980713,"channel":1,"num_words":1,"start":736.44,"end":736.68},{"sentences":[{"text":"time.","start":736.605,"end":737.105,"sentiment":"positive","sentiment_score":0.6362624168395996}],"sentiment":"positive","sentiment_score":0.6362624168395996,"channel":0,"num_words":1,"start":736.605,"end":737.105},{"sentences":[{"text":"too.","start":736.68,"end":736.92,"sentiment":"positive","sentiment_score":0.461525022983551},{"text":"See you.","start":736.92,"end":737.32,"sentiment":"positive","sentiment_score":0.47988617420196533},{"text":"Bye.","start":737.32,"end":737.82,"sentiment":"neutral","sentiment_score":0.30531126260757446}],"sentiment":"positive","sentiment_score":0.43165215849876404,"channel":1,"num_words":4,"start":736.68,"end":737.82},{"sentences":[{"text":"Thanks.","start":737.805,"end":738.125,"sentiment":"positive","sentiment_score":0.6264195442199707},{"text":"Bye.","start":738.125,"end":738.625,"sentiment":"neutral","sentiment_score":-0.1113155111670494}],"sentiment":"neutral","sentiment_score":0.25755201652646065,"channel":0,"num_words":2,"start":737.805,"end":738.625}]},"summary":{"result":"success","short":"Kyle from Oakview Financial calls Lynn to discuss insurance reduction and investment update. He offers coverage for accidents and injuries, as well as reducing premiums and coverage for life insurance. The agent explains coverage for traumatic events and solar panels, and suggests updating policy details and investment information. They agree to a meeting on Tuesday to discuss the update and policy update."},"intents":{"segments":[{"text":"I just scheduled in for a bit of a follow-up this morning. Is now still a good time for you? Yep. Perfect.","start_word":34,"end_word":55,"intents":[{"intent":"Schedule follow-up","confidence_score":0.7037495}]},{"text":"Just to jump into that one there today, Lynn, if I could just pass through security with that name, date of birth, and current address, please?","start_word":56,"end_word":81,"intents":[{"intent":"Pass through security","confidence_score":0.9664794},{"intent":"Pass through security","confidence_score":0.35523844}]},{"text":"No. those I think Sarah and Samuels is 20, cover I think, was it? Or 15, something like that, amounts. I think the kids were, if I remember. At the moment, when I brought them up just for the so the the crisis, which is, like, your trauma is around 166 for your yourself, and then for each of the kids, about 16,600 for those. Okay.","start_word":253,"end_word":318,"intents":[{"intent":"Reassure kids about insurance","confidence_score":0.0000023091295}]},{"text":"So if I reduce it, what would it all go down to? And would it really yeah. Make a difference in cost if that's sort of Yeah.","start_word":558,"end_word":584,"intents":[{"intent":"Negotiate cost","confidence_score":0.009628739}]},{"text":"So trauma cover or, like, the crisis recovery, it depends on the PDFs, but, generally, it's for, like, traumatic events and things like that that don't sort of fall into regards to you know, it's like heart attacks, strokes, things like that. Obviously, I'd have to look at the PDFs and see the exact cover and what it covers you for.","start_word":681,"end_word":741,"intents":[{"intent":"Discuss document coverages and requirements","confidence_score":7.0906845e-9}]},{"text":"So how much is it? Am I actually covered for at the moment without changing it? 166,000. What?","start_word":857,"end_word":874,"intents":[{"intent":"Clarify coverage options","confidence_score":0.024051888},{"intent":"Clarify coverage options","confidence_score":0.017271364}]},{"text":"And then my life insurance is still quite high, isn't it? It's like 8. Is it still?","start_word":939,"end_word":955,"intents":[{"intent":"Clarify insurance premiums","confidence_score":0.0057341885}]},{"text":"Because at the moment, your yearly premiums for just the life TPD and IP is around the $10,000 mark. We're gonna look at reducing life and TPD around $7.50 and then reduce your income protection cover amount down to around $3,750 as a monthly benefit just on the amount that you're able to claim on and then keeping the waiting period and benefit period the same.","start_word":1080,"end_word":1145,"intents":[{"intent":"Reduce premiums and premiums","confidence_score":0.0036502655}]},{"text":"We're gonna look at reducing life and TPD around $7.50 and then reduce your income protection cover amount down to around $3,750 as a monthly benefit just on the amount that you're able to claim on and then keeping the waiting period and benefit period the same. But we could also look at reducing the waiting period and benefit period to help reduce the the cost out of your superannuation as well. Okay.","start_word":1099,"end_word":1171,"intents":[{"intent":"Reduce waiting period and benefit amount","confidence_score":0.15644397}]},{"text":"I will talk to Scott and see if he wants to change it down. So yeah.","start_word":1212,"end_word":1227,"intents":[{"intent":"Change policy","confidence_score":0.027116522}]},{"text":"Do you want me to email you your certificates of currencies for your two products, and then you can have a look over them there, Lynn, and we can have another discussion after you've had a chance to review them? Yeah.","start_word":1250,"end_word":1290,"intents":[{"intent":"Email certificates of currencies","confidence_score":0.06030883}]},{"text":"Well, at at the moment, it's income protection policy that is the the more expensive one just due to the age because it is a more comprehensive policy being it is an older policy. Otherwise, we might potentially look at returning to market. It also covers you all the way up to the age of 65, and we can look at trying to change that.","start_word":1357,"end_word":1421,"intents":[{"intent":"Change policy","confidence_score":0.30997038}]},{"text":"So with that one, if we were to update the adviser, then Yep. we do have to update some details and things like that.","start_word":1600,"end_word":1623,"intents":[{"intent":"Update adviser","confidence_score":0.3170862}]},{"text":"But if you wanna have a read through that first, you can sort of even request a couple of quotes on what sort of different sums you might wanna have a look at in terms of, like, the pricing and the difference, and we can Yep. request those quotes for you and just to see what price difference that makes for you. Yep.","start_word":1624,"end_word":1686,"intents":[{"intent":"Request quotes","confidence_score":0.7311971}]},{"text":"But just respond to that email, and then once you sort of make a bit more of a decision around what you potentially might want, we can have another conversation, update your details, and get that advice piece back out to you. Yep.","start_word":1688,"end_word":1730,"intents":[{"intent":"Update and update information","confidence_score":0.03648427},{"intent":"Update details and get advice piece","confidence_score":0.020030523}]},{"text":"And then with that, we were gonna update your superannuation investments, which was the main thing there.","start_word":1760,"end_word":1776,"intents":[{"intent":"Update and update superannuation investments","confidence_score":0.2752554}]},{"text":"It is quite a heavy weighting in your portfolio, and it's done quite poorly on the back end of that year where we're unable to reach you there as well. So we still need to look at updating that with your advice piece as well even with the insurances or even if you decide to keep the level of insurance cover you hold, if that makes sense. Yep.","start_word":1813,"end_word":1880,"intents":[{"intent":"Update portfolio and advice","confidence_score":0.0014136267}]},{"text":"So towards the back end of last year, they had an underlying investment called corporate traveler, which wasn't accounting correctly, and they were done for not accounting correctly. And then with that, they've had to reevaluate that stock.","start_word":1911,"end_word":1948,"intents":[{"intent":"Reevaluate stock","confidence_score":0.2882573},{"intent":"Reevaluate stock","confidence_score":0.05361741}]},{"text":"So towards the back end of last year, they had an underlying investment called corporate traveler, which wasn't accounting correctly, and they were done for not accounting correctly. And then with that, they've had to reevaluate that stock. It was put on trading hold, and as a result, it caused Ben Long to take quite a dip.","start_word":1911,"end_word":1967,"intents":[{"intent":"Dip into conflict and make a decision","confidence_score":0.000012362616}]},{"text":"But we can definitely look at like I said, we had the recommendation to update that portfolio previously.","start_word":2032,"end_word":2049,"intents":[{"intent":"Update portfolio","confidence_score":0.7133273}]},{"text":"can are you available sorta just next week or next week in an afternoon or something to have a discussion after you've had a chance over the weekend to have a look at those and finalize everything there? Yep.","start_word":2135,"end_word":2173,"intents":[{"intent":"Check availability","confidence_score":0.005002401},{"intent":"Discuss finalizing investments","confidence_score":0.0040665586}]},{"text":"Not a problem. And then, yeah, we'll just update all your details and everything then and make sure that's all accurate and up to date as well. Yep.","start_word":2314,"end_word":2341,"intents":[{"intent":"Update details","confidence_score":0.67478126}]}]},"sentiments":{"segments":[{"text":"I'll see if this person is available. Good morning, Lynn. It's Kyle calling from Oakview Financial. Hello? Speaking. Hi, Lynn. It's Carl from Oakview Financial. How are you this morning?","start_word":0,"end_word":29,"sentiment":"neutral","sentiment_score":0.12530596554279327},{"text":"That's good to hear.","start_word":30,"end_word":33,"sentiment":"positive","sentiment_score":0.6158691644668579},{"text":"I just scheduled in for a bit of a follow-up this morning. Is now still a good time for you? Yep.","start_word":34,"end_word":54,"sentiment":"neutral","sentiment_score":0.28798937797546387},{"text":"Perfect.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.4420141577720642},{"text":"Just to jump into that one there today, Lynn, if I could just pass through security with that name, date of birth, and current address, please? I'm Kathleen Beck in the 07/02/1927. 14 yard cruise in All Hills Queensland.","start_word":56,"end_word":94,"sentiment":"neutral","sentiment_score":0.11477180570363998},{"text":"Perfect. Thank you for that one, Lynn.","start_word":95,"end_word":101,"sentiment":"positive","sentiment_score":0.5027643442153931},{"text":"Now I don't know if you remember because it was quite a while ago now. I know there was a bit of back and forth ex. We originally went to the SOA, and then we found the the trauma policy from when you first came on board that I was unaware of there. And then we've moved it over, and then we just need to have a bit of a catch up in regards to how we'd like to proceed in terms of that because we were looking at insurance reduction and that investment update inside your superannuation, if you remember. And Yep. then, yeah, just with the trauma policy as well, you do have, like, a a family protection as well as, like, a trauma policy for that and just seeing how you wanted to proceed with that as well in terms of, like, if you did wanna reduce Yep. No. those I think Sarah and Samuels is 20, cover I think, was it? Or 15, something like that, amounts. I think the kids were, if I remember. At the moment, when I brought them up just for the so the the crisis, which is, like, your trauma is around 166 for your yourself, and then for each of the kids, about 16,600 for those. Okay. No. That's fine.","start_word":102,"end_word":321,"sentiment":"neutral","sentiment_score":-0.06426117569208145},{"text":"That's cool. Sounds good. You're happy to keep the the trauma amount as is in paying that monthly benefit?","start_word":322,"end_word":340,"sentiment":"positive","sentiment_score":0.5301263865671659},{"text":"How much is it? I don't even have much of this to be fair. So at the moment, it's as annualized premium is $2,747 and a monthly amount around the $230 a month for for those. Oh, okay. So Yes. let's So cut it is them up. quite up there. I know originally sort of from the original advice and discussions around your your cover and what you wanted to be covered for, you did wanna look at cutting back on your your TPD and and life there as well just to make it so it was a bit more affordable and just giving you a current level of debt. And then, yeah, when the trauma policy came up, we didn't proceed with presenting the advice piece just based on the fact that I wasn't aware of it before creating the advice piece, and then we got it moved over per the original recommendation you did have, so we had visibility on it. And just for the past few months of the year, we were just sort of unable to get a hold of you and get you booked in, if that makes sense. Yeah. No. It's been a bit crazy. The last few months have been a bit crazy to see. So yeah. No. That's okay. So if I reduce it, what would it all go down to? And would it really yeah. Make a difference in cost if that's sort of Yeah. what you're gonna. Yep. I can sort of request a quote there for you. How much do you think you feel you'd be comfortable with with that? Because let me just have a quick look. The the child cover isn't a huge expense. The main expense there is in regards to your own, so we could look at reducing that down potentially. What is it? It's how much is it for my a five it's for when I fall at work or something. Is that what it's sort of covering, or what is it covering? So trauma cover or, like, the crisis recovery, it depends on the PDFs, but, generally, it's for, like, traumatic events and things like that that don't sort of fall into regards to you know, it's like heart attacks, strokes, things like that. Obviously, I'd have to look at the PDFs and see the exact cover and what it covers you for. Obviously, when you have an injury at work, you can potentially be covered by some form of workers' comp yeah. And then this is sort of like the bridge between TBD insurance and income protection insurance where you may not be injured to the point where you have to take more than a month off work or you sort of may not be injured to the point where unable to work. But it just means that you're able Because they'll cover to have the mortgage some payments and have money. Oh. yeah. All sort of medical costs when it comes to certain health conditions that do arise and the ones Yep. you are covered for. Okay. So how much is it? Am I actually covered for at the moment without changing it? 166,000. What? Okay. That would be paid out in a lump sum or do they pay that out monthly or how would that I don't even know how Some of the older ones that can be done as would sort of like work. like Too paid out like in in sure. bits, but it's generally a lump sum figure in Oh, okay. regards to yeah.","start_word":341,"end_word":937,"sentiment":"neutral","sentiment_score":-0.03617127907073977},{"text":"Great.","start_word":938,"end_word":938,"sentiment":"positive","sentiment_score":0.3491516411304474},{"text":"And then my life insurance is still quite high, isn't it? It's like 8. Is it still? It's we're up around a bit over 1,000,000 now because we're looking at that reduction originally, but we didn't do. I think the original recommendation was gonna be around the $7.50 mark. Well, that's what's taking on my that's what's taking on a super early, isn't it, to be honest, when I've looked at it. Yeah. Yeah.","start_word":939,"end_word":1012,"sentiment":"neutral","sentiment_score":-0.14112384617328644},{"text":"The the income protection on that one is quite high in terms of, like, the cost, which is what we're gonna address as well with that.","start_word":1013,"end_word":1038,"sentiment":"negative","sentiment_score":-0.4954182803630829},{"text":"Okay. Yep. So I don't I don't know what you're thinking of the cost would be, but yeah. Okay. Because original recommend just for the life and TPD portions, which from the discussions we did have, I'll just show you there. Because at the moment, your yearly premiums for just the life TPD and IP is around the $10,000 mark. We're gonna look at reducing life and TPD around $7.50 and then reduce your income protection cover amount down to around $3,750 as a monthly benefit just on the amount that you're able to claim on and then keeping the waiting period and benefit period the same. But we could also look at reducing the waiting period and benefit period to help reduce the the cost out of your superannuation as well. Okay. Yep. So then what would the life insurance drop down to? Like, if something happened to me. That's We the main we're gonna one. put it just at the 750,000, which covers your debt and then then some. Yeah. Okay. I will talk to Scott and see if he wants to change it down. So yeah. I don't know if that would be enough at the moment Okay. to cover solar Do you want bills. yeah. No. Understandable. Do you want me to email you your certificates of currencies for your two products, and then you can have a look over them there, Lynn, and we can have another discussion after you've had a chance to review them? Yeah. No. That sounds good. Yeah. Because, yeah, I didn't think it would yeah. I don't actually know how much we have to work out how much it would be he would need. Even though the kids are getting a little bit older, it's just to cover the mortgage and can't let the bills and stuff that we have in order and stuff. So yeah. Yeah. Well, at at the moment, it's income protection policy that is the the more expensive one just due to the age because it is a more comprehensive policy being it is an older policy. Otherwise, we might potentially look at returning to market. It also covers you all the way up to the age of 65, and we can look at trying to change that. Obviously, some of the older policies, you can't, but we can see if we can change that down to a benefit period of five years, which just means that if something did occur to you and you ended up on a claim, it means it'd only pay for up to five years, not until the eight up to the age of 65.","start_word":1039,"end_word":1482,"sentiment":"neutral","sentiment_score":0.03310468711109983},{"text":"If that makes sense, then that can also help reduce those costs down.","start_word":1483,"end_word":1495,"sentiment":"positive","sentiment_score":0.363138347864151},{"text":"Okay. Yeah. No. That doesn't matter. It doesn't yeah. That's fine. Yep. No. Yep. Just do that and we'll figure out and then I'll talk to Scott. But it'll still still the same until I change everything anyway. So that's okay. So Yeah. everything It will still still stay the same unless I sign it or change anything on it. So basically, what happened was sort of last year, we'd sort of we're gonna go through that recommendation, but we found the trauma policy so everything's remained the same since since we're not then I'm able to to reach you there, which is fine. So with that one, if we were to update the adviser, then Yep. we do have to update some details and things like that. But if you wanna have a read through that first, you can sort of even request a couple of quotes on what sort of different sums you might wanna have a look at in terms of, like, the pricing and the difference, and we can Yep. request those quotes for you and just to see what price difference that makes for you. Yep. But just respond to that email, and then once you sort of make a bit more of a decision around what you potentially might want, we can have another conversation, update your details, and get that advice piece back out to you. Yep. And and just change what I need wanna change or if I can see if I can keep something the same or change whatever. Yep. Sounds like a plan. Yeah. And then with that, we were gonna update your superannuation investments, which was the main thing there. Obviously, given everything with the war and everything, it has taken a bit of a dive. And then also because Yeah. you have I know we had that discussion around Benelong and changing that Benelong out. It is quite a heavy weighting in your portfolio, and it's done quite poorly on the back end of that year where we're unable to reach you there as well. So we still need to look at updating that with your advice piece as well even with the insurances or even if you decide to keep the level of insurance cover you hold, if that makes sense. Yep. So yeah. Is it quite a high loss that I did with I presume I would've all that. So I don't even know. I haven't seen anything. So no. Yes. So towards the back end of last year, they had an underlying investment called corporate traveler, which wasn't accounting correctly, and they were done for not accounting correctly. And then with that, they've had to reevaluate that stock. It was put on trading hold, and as a result, it caused Ben Long to take quite a dip. And then in conjunction with what's happening with the wars and everything has caused it to dip a bit further Yeah. with that, if that makes sense. So over a twelve month period, I think it's down around 5% your superannuation from the results of that and then the war that started this this year.","start_word":1496,"end_word":2022,"sentiment":"neutral","sentiment_score":-0.05037697691618831},{"text":"Great. Lovely. Thanks, Tom.","start_word":2023,"end_word":2026,"sentiment":"positive","sentiment_score":0.41366106271743774},{"text":"Oh, well. Yeah. Okay. But we can definitely look at like I said, we had the recommendation to update that portfolio previously. It's just with the insurance side of things that held it up there a bit. And obviously, you had a busy back end of the year, which is perfectly understandable coming into Christmas and everything and probably some other things. But Yep. No. Sorry. No. That's okay. Yep. Well, we'll just send the email through, and then I will just get me just to ring up and make an appointment and get another chat or change email, whatever I need to change. Yep. So I okay. can are you available sorta just next week or next week in an afternoon or something to have a discussion after you've had a chance over the weekend to have a look at those and finalize everything there? Yep. I can do anything from Wednesday is sort of no go. I've got massive hospital appointments and stuff all coming up next week. So either Monday or Tuesday morning's a good time to call. So I can just go back over into the weekend and Scott, and we can do that. Anything I'm for Monday or Tuesday ish? sorry. I'll look. Would Tuesday around 12:00 still work for you? Yep. No. That's fine. Tuesday '12. The thirty first we're looking at? Cool. Yeah. Tuesday, thirty first there. And we can look at getting that all finalized and getting that advice piece out to you and updating those investments Yep. and those insurances there for you, Leland. Yep. No. That sounds good. Yep. No. We'll go see them over the next couple days, and I'll see what they say. Sure thing.","start_word":2027,"end_word":2313,"sentiment":"neutral","sentiment_score":0.08315986296233399},{"text":"Not a problem.","start_word":2314,"end_word":2316,"sentiment":"positive","sentiment_score":0.3361796438694},{"text":"And then, yeah, we'll just update all your details and everything then and make sure that's all accurate and up to date as well. Yep.","start_word":2317,"end_word":2341,"sentiment":"neutral","sentiment_score":0.3182971477508545},{"text":"Awesome. Cool. Perfect. No problem, Lynn.","start_word":2342,"end_word":2347,"sentiment":"positive","sentiment_score":0.5875754952430725},{"text":"Well, I'll shoot you that off that email after I get off the phone here, and then just let us know if you have any questions or want any specific quotes Yep. for that appointment to go over.","start_word":2348,"end_word":2385,"sentiment":"neutral","sentiment_score":0.17030183970928192},{"text":"Okay. Cool. Awesome. Thank you so much for that. No problem then. You enjoy the rest of your day. Thanks for your You time. too. See you.","start_word":2386,"end_word":2412,"sentiment":"positive","sentiment_score":0.7269483804702759},{"text":"Bye.","start_word":2413,"end_word":2413,"sentiment":"neutral","sentiment_score":0.30531126260757446},{"text":"Thanks. Bye.","start_word":2414,"end_word":2415,"sentiment":"positive","sentiment_score":0.451909214258194}],"average":{"sentiment":"neutral","sentiment_score":0.015320343112353212}}}}