{"metadata":{"transaction_key":"deprecated","request_id":"019e4d64-f7c1-7782-bd36-53abde44b635","sha256":"fd9b4eac2cedd437e6a99164fd1f452d6c2db799428eb27c12f7dc4671f27dca","created":"2026-05-22T01:55:25.921Z","duration":1129.752,"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":3888,"output_tokens":89},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4358,"output_tokens":4367},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4358,"output_tokens":300}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Nathan. It's Tommy here from Oakview Financial, one of the senior advisers. Mate, how are you doing today? Man, living the dream. It's a beautiful, warm, sunny Friday. Good to hear. Mate, I'm just giving you a call to go through a bit of an insurance increase chat that you were looking for over the last little period after in the new year. Do you still have a bit of time for me? Perfect. Now I've got your your current policy up in front of me and also the the last details that we took down. Do you mind if I just do the quick little security check with you? No worries. So I'm registered with Attic as adviser 1273105. Could you please confirm your date of birth and address? Mhmm. Wonderful. Thank you for that. Mate, did you want me to put in place any security question? You're just happy to go through the three point check. So now one of the things I'm looking at is you originally were kind of thinking about increasing the life insurance a little bit, and I've got your your current I double f cover, which had a bit of a top up on it. It was about 56,000 plus another 45. So call it about a 100,000 flat of life and disability insurance. Does that ring a bell? Yep. So there's been a bit of a top up a little while ago, and I'm having a look at the assets and liabilities that we have on-site. So we've got, like, a a home and a couple of investment properties being the main assets. Is that correct? Cool. So I can see that the last time we checked, the loan on your main residence was quite low. It was about $30, but you've obviously got some loans on the investment properties as well. Now do you have any kind of initial thoughts on how much life insurance you're wanting to get a quote for or the main things you're wanting it to cover? Yes. Yep. Total debt of 800,000, maybe 500,000 for an amount. K. That's easy now. Yeah. Awesome. And I'm assuming you want that just popped up within the super. Just a bit of an additional cover pay through the super. Fantastic. So that'll get it the 15% rebate, and I'll do up a bit of a quote for about four hundred thousand of top up cover, and that'll kinda get you there. Just double checking a couple of things for me. We've got so your September 1973. Correct? So about '52? Yep. Fantastic. So that's one thing is, obviously, age impact premium. The only other thing was you're still nonsmoker status? Fantastic. And I don't mean to get too personal, sir, but it does impact the premiums. Could I just get an updated height and weight for you so I can do a bit of a BMI calculator? Yep. Hundred and two kegs. Hundred and seventy seven. Because there's a few different one of the things that I usually check is if I link it through your TPD cover, it makes it about half the cost. And that's why you've kind of got, like, that 100,000 of life insurance, 100,000 of total disability. So if you're okay with that, I can kind of do a bit of a I'll do a quote for just life insurance and a quote for them linked together. K. Now yep. Yep. Yeah. Absolutely. I know I think Nails is the only one that really excludes the second occupation, but it's gotta be under 10% of your workload. Would you say it actually is under 10%, or do you do a bit more than that like a yep. Yeah. That's okay. So what I might do is I might just do a a quote up for standalone life insurance. I'll sort of check just in case. But, yeah, that occupation thing can mess with the TPD component. Other thing is, I was just going back through the file history just in case. It's not too much of an issue for life insurance, but you had obviously been on, I think, an income protection claim for the hand back in the day? Cool. Our new system's a little bit Five years. Yep. Four to five years. And the only other thing I was gonna check with you is how's the old, like, cholesterol, blood pressure, all that kind of thing going? Yep. Lots of fun. Are you on medication for it? Great. Alright. So I can pretty much, based on this information, do up a bit of a quote and and let you know what it's looking like for 400,000 with the life insurance. I'll do the usual check, and we'll compare all the providers to see who will do the cheapest, and I'll also check it with the I double o s as well. Now the only thing is that everything's looking pretty okay on the underwriting front. If you wanna be a 100% certain on it, we can do a full pre assessment where the guys ask you all the health questions again, get all the details, and we shoot that off anonymously to the insurers. Would you like me to get that organized for you, or would you be happy just to look at a quote first and then go from there? Yep. And if that's looking pretty good, I think a bit of a pre assessment would be nice just to save you from getting any knockback from applications or exclusions that you're not expecting. Wait. Okay. I can get that organized for you. Other than that, Nathan, you've got a bit of an annual review teed up towards the end of the year. Just obviously check on how the soup is going. Anything else you can think of that I can help you with today? Yeah. That's true. Yeah. And things are kind of still moving along pretty well. It's not as catastrophic as it could have been or not yet at least. So nothing too crazy. We'll see how the next couple of months goes. Outside of that, I mean, when we if we get a bit of an idea on this insurance quote, I usually put a bit of a flag on it if the premiums are more than 30% of your contributions in terms of price. Now I'll obviously, default to your opinion on what price is appropriate or too much or too expensive or okay, but I'll put a bit of a flag on it there as well because, again, we we can't have $5 coming out of the Super Bowl all of a sudden, and then you start golf backwards. Awesome. Can I just double check? You're drawing the wages from that business and then you're doing the remedial. Do you know if you get super contributions on both? I'm just struggling with the logins yet. Yep. And for the wages, I'm just trying to decipher the previous notes here. We had income at about 85,000, but the agricultural work about 30. So is it contributions on just the 30 or let's see on 30 k. Wait. I'll go back through the the transaction history just to double check, and I'll work back a few figures from there. But that gives me a pretty good idea. Yeah. That's right. Because the previous claim on the income protection, if we try and get you another one yeah. And you're paying under a thousand dollars for all that cover income protection and a $100 of life and TPD, so that's not too bad. I think a replacement policy probably would have been up with the 3 or $4. So hopefully, a bit of life insurance isn't too much. Cool. Alright. So no trauma. Income protection is there. Life and TPD, the $100. Cool. Alright. I've got a bit of direction there, Nathan. Anything else that you can think of? Mhmm. Yeah. Well, 4 to 600,000 probably would actually give a bit of a decent jump up in the price. If we're hitting an affordability issue where it jumps up quite a bit, do you want me to just kind of work it back until it's affordable, whether it's 300, 200, 100 thousand? Yeah. Absolutely. I'll pretty much go for I'll even do one of 600 so you can see. 400, and then I'll work my way back from there, and then I'll pretty much just send you with whoever's the most affordable. I'll send you the range of quotes for all three. I double f and alternative, and I'll shoot that through. Once we get a bit of an idea of what you're happy with, we can put it in an updated advice document. But for now, I'll just kind of send some preliminary quotes so you've got an idea. Alright. Mate, thank you very much for taking the time today. Have you had any other significant changes since we last spoke to you that I need to kind of update on your file? Can I just yeah? It was Jacob there originally who had this inquiry around the life insurance. Can I just double check the properties with you for a minute before I let you go? Yeah. So I had three listed. Your main residence, which you've got no debt on now because of the redraw, and then two investment properties. One valued at $4.50 with 170 owing and one valued at $5.70 with about $5.50 out. Yep. Yep. Yeah. So let me just quickly double check what you were saying. So main residence is 0. The first investment property is now, let's say, 700,000 to be conservative, and that one's owing $1.70 as well. Yep. The $1.70 on that one valued at 700, and then we've got two units. First one is valued at $5.70, and that one's got $1.70 oing on that around about. And then the second unit, 38420. Perfect. And that's a unit number one. So we've got two houses, two units, and then just like you said, four, five, six, seven. Yeah. About 800 thousand in debt total. And what you're thinking is, you know, 500 will be good. 5 or 600 will be good. That way, it covers most of the debt. And then at most, you sell one property if you need to. Fantastic. And then for the main residence, I'll just do the old quick check online because that's oh, hang on. Is it still Easton Road, Stratford? Perfect. Just gonna quickly check that online. East Road. Oh, hang on a sec. We've got a couple of suburbs popping up here. Let me double check. That's Strathdell, Victoria. Would you say it's still around about the 900,000 month or that one would have jumped up as well? Yeah. We've got yeah. It pretty much says between $9.22 and 1 point o 4. Cool. Alrighty. Yep. It's true. True. That's cool, though. I mean, whether it's $9.20, $9.50, we're pretty close to the mark there either way. Alrighty. Cool. Now what I'll do, Nathan, is I'll I'll actually get these emails through to you hopefully next week. I just need to see how long I double f takes for an alteration increase quote. And once I get them through to you, the team will probably just give you a buzz just to reach out for an updated chat with me. But if you wanna respond to that email, if you did if that was a clear decision for you, I can then fill out that updated document prior. Alright. Alright. Any other last questions for me before I let you go for your weekend? Alright, Nathan. I really appreciate you taking the time today. I think we've got all the ideas noted down. And if you need anything else in between, mate, just please give us a call or a text, and we'll be reaching out hopefully next week. Alright. Have a good weekend, man. Thank you. 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day, Nathan. It's Tommy here from Oakview Financial, one of the senior advisers. Mate, how are you doing today? Man, living the dream. It's a beautiful, warm, sunny Friday.\n\nGood to hear. Mate, I'm just giving you a call to go through a bit of an insurance increase chat that you were looking for over the last little period after in the new year. Do you still have a bit of time for me? Perfect. Now I've got your your current policy up in front of me and also the the last details that we took down.\n\nDo you mind if I just do the quick little security check with you? No worries. So I'm registered with Attic as adviser 1273105. Could you please confirm your date of birth and address? Mhmm.\n\nWonderful. Thank you for that. Mate, did you want me to put in place any security question? You're just happy to go through the three point check. So now one of the things I'm looking at is you originally were kind of thinking about increasing the life insurance a little bit, and I've got your your current I double f cover, which had a bit of a top up on it.\n\nIt was about 56,000 plus another 45. So call it about a 100,000 flat of life and disability insurance. Does that ring a bell? Yep. So there's been a bit of a top up a little while ago, and I'm having a look at the assets and liabilities that we have on-site.\n\nSo we've got, like, a a home and a couple of investment properties being the main assets. Is that correct? Cool. So I can see that the last time we checked, the loan on your main residence was quite low. It was about $30, but you've obviously got some loans on the investment properties as well.\n\nNow do you have any kind of initial thoughts on how much life insurance you're wanting to get a quote for or the main things you're wanting it to cover? Yes. Yep. Total debt of 800,000, maybe 500,000 for an amount. K.\n\nThat's easy now. Yeah. Awesome. And I'm assuming you want that just popped up within the super. Just a bit of an additional cover pay through the super.\n\nFantastic. So that'll get it the 15% rebate, and I'll do up a bit of a quote for about four hundred thousand of top up cover, and that'll kinda get you there. Just double checking a couple of things for me. We've got so your September 1973. Correct?\n\nSo about '52? Yep. Fantastic. So that's one thing is, obviously, age impact premium. The only other thing was you're still nonsmoker status?\n\nFantastic. And I don't mean to get too personal, sir, but it does impact the premiums. Could I just get an updated height and weight for you so I can do a bit of a BMI calculator? Yep. Hundred and two kegs.\n\nHundred and seventy seven. Because there's a few different one of the things that I usually check is if I link it through your TPD cover, it makes it about half the cost. And that's why you've kind of got, like, that 100,000 of life insurance, 100,000 of total disability. So if you're okay with that, I can kind of do a bit of a I'll do a quote for just life insurance and a quote for them linked together. K.\n\nNow yep. Yep. Yeah. Absolutely. I know I think Nails is the only one that really excludes the second occupation, but it's gotta be under 10% of your workload.\n\nWould you say it actually is under 10%, or do you do a bit more than that like a yep. Yeah. That's okay. So what I might do is I might just do a a quote up for standalone life insurance. I'll sort of check just in case.\n\nBut, yeah, that occupation thing can mess with the TPD component. Other thing is, I was just going back through the file history just in case. It's not too much of an issue for life insurance, but you had obviously been on, I think, an income protection claim for the hand back in the day? Cool. Our new system's a little bit Five years.\n\nYep. Four to five years. And the only other thing I was gonna check with you is how's the old, like, cholesterol, blood pressure, all that kind of thing going? Yep. Lots of fun.\n\nAre you on medication for it? Great. Alright. So I can pretty much, based on this information, do up a bit of a quote and and let you know what it's looking like for 400,000 with the life insurance. I'll do the usual check, and we'll compare all the providers to see who will do the cheapest, and I'll also check it with the I double o s as well.\n\nNow the only thing is that everything's looking pretty okay on the underwriting front. If you wanna be a 100% certain on it, we can do a full pre assessment where the guys ask you all the health questions again, get all the details, and we shoot that off anonymously to the insurers. Would you like me to get that organized for you, or would you be happy just to look at a quote first and then go from there? Yep. And if that's looking pretty good, I think a bit of a pre assessment would be nice just to save you from getting any knockback from applications or exclusions that you're not expecting.\n\nWait. Okay. I can get that organized for you. Other than that, Nathan, you've got a bit of an annual review teed up towards the end of the year. Just obviously check on how the soup is going.\n\nAnything else you can think of that I can help you with today? Yeah. That's true. Yeah. And things are kind of still moving along pretty well.\n\nIt's not as catastrophic as it could have been or not yet at least. So nothing too crazy. We'll see how the next couple of months goes. Outside of that, I mean, when we if we get a bit of an idea on this insurance quote, I usually put a bit of a flag on it if the premiums are more than 30% of your contributions in terms of price. Now I'll obviously, default to your opinion on what price is appropriate or too much or too expensive or okay, but I'll put a bit of a flag on it there as well because, again, we we can't have $5 coming out of the Super Bowl all of a sudden, and then you start golf backwards.\n\nAwesome. Can I just double check? You're drawing the wages from that business and then you're doing the remedial. Do you know if you get super contributions on both? I'm just struggling with the logins yet.\n\nYep. And for the wages, I'm just trying to decipher the previous notes here. We had income at about 85,000, but the agricultural work about 30. So is it contributions on just the 30 or let's see on 30 k. Wait.\n\nI'll go back through the the transaction history just to double check, and I'll work back a few figures from there. But that gives me a pretty good idea. Yeah. That's right. Because the previous claim on the income protection, if we try and get you another one yeah.\n\nAnd you're paying under a thousand dollars for all that cover income protection and a $100 of life and TPD, so that's not too bad. I think a replacement policy probably would have been up with the 3 or $4. So hopefully, a bit of life insurance isn't too much. Cool. Alright.\n\nSo no trauma. Income protection is there. Life and TPD, the $100. Cool. Alright.\n\nI've got a bit of direction there, Nathan. Anything else that you can think of? Mhmm. Yeah. Well, 4 to 600,000 probably would actually give a bit of a decent jump up in the price.\n\nIf we're hitting an affordability issue where it jumps up quite a bit, do you want me to just kind of work it back until it's affordable, whether it's 300, 200, 100 thousand? Yeah. Absolutely. I'll pretty much go for I'll even do one of 600 so you can see. 400, and then I'll work my way back from there, and then I'll pretty much just send you with whoever's the most affordable.\n\nI'll send you the range of quotes for all three. I double f and alternative, and I'll shoot that through. Once we get a bit of an idea of what you're happy with, we can put it in an updated advice document. But for now, I'll just kind of send some preliminary quotes so you've got an idea. Alright.\n\nMate, thank you very much for taking the time today. Have you had any other significant changes since we last spoke to you that I need to kind of update on your file? Can I just yeah? It was Jacob there originally who had this inquiry around the life insurance. Can I just double check the properties with you for a minute before I let you go?\n\nYeah. So I had three listed. Your main residence, which you've got no debt on now because of the redraw, and then two investment properties. One valued at $4.50 with 170 owing and one valued at $5.70 with about $5.50 out. Yep.\n\nYep. Yeah. So let me just quickly double check what you were saying. So main residence is 0. The first investment property is now, let's say, 700,000 to be conservative, and that one's owing $1.70 as well.\n\nYep. The $1.70 on that one valued at 700, and then we've got two units. First one is valued at $5.70, and that one's got $1.70 oing on that around about. And then the second unit, 38420. Perfect.\n\nAnd that's a unit number one. So we've got two houses, two units, and then just like you said, four, five, six, seven. Yeah. About 800 thousand in debt total. And what you're thinking is, you know, 500 will be good.\n\n5 or 600 will be good. That way, it covers most of the debt. And then at most, you sell one property if you need to. Fantastic. And then for the main residence, I'll just do the old quick check online because that's oh, hang on.\n\nIs it still Easton Road, Stratford? Perfect. Just gonna quickly check that online. East Road. Oh, hang on a sec.\n\nWe've got a couple of suburbs popping up here. Let me double check. That's Strathdell, Victoria. Would you say it's still around about the 900,000 month or that one would have jumped up as well? Yeah.\n\nWe've got yeah. It pretty much says between $9.22 and 1 point o 4. Cool. Alrighty. Yep.\n\nIt's true. True. That's cool, though. I mean, whether it's $9.20, $9.50, we're pretty close to the mark there either way. Alrighty.\n\nCool. Now what I'll do, Nathan, is I'll I'll actually get these emails through to you hopefully next week. I just need to see how long I double f takes for an alteration increase quote. And once I get them through to you, the team will probably just give you a buzz just to reach out for an updated chat with me. But if you wanna respond to that email, if you did if that was a clear decision for you, I can then fill out that updated document prior.\n\nAlright. Alright. Any other last questions for me before I let you go for your weekend? Alright, Nathan. I really appreciate you taking the time today.\n\nI think we've got all the ideas noted down. And if you need anything else in between, mate, just please give us a call or a text, and we'll be reaching out hopefully next week. Alright. Have a good weekend, man. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good day, Nathan.","start":2.8,"end":3.52,"sentiment":"positive","sentiment_score":0.3983268042405446},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers.","start":3.52,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.20850442891771143},{"text":"Mate, how are you doing today?","start":6.3199997,"end":7.46,"sentiment":"neutral","sentiment_score":0.24281286696592966},{"text":"Man, living the dream.","start":9.36,"end":10.32,"sentiment":"positive","sentiment_score":0.5832003802061081},{"text":"It's a beautiful, warm, sunny Friday.","start":10.32,"end":12.66,"sentiment":"positive","sentiment_score":0.6634464661280314}],"sentiment":"positive","sentiment_score":0.37529622167348864,"num_words":30,"start":2.8,"end":12.66},{"sentences":[{"text":"Good to hear.","start":18.664999,"end":19.485,"sentiment":"positive","sentiment_score":0.5899024605751038},{"text":"Mate, I'm just giving you a call to go through a bit of an insurance increase chat that you were looking for over the last little period after in the new year.","start":19.785,"end":28.77,"sentiment":"neutral","sentiment_score":0.03615242667729035},{"text":"Do you still have a bit of time for me?","start":28.93,"end":30.710001,"sentiment":"neutral","sentiment_score":0.0020470891147851946},{"text":"Perfect.","start":33.170002,"end":33.57,"sentiment":"positive","sentiment_score":0.412285178899765},{"text":"Now I've got your your current policy up in front of me and also the the last details that we took down.","start":33.57,"end":40.37,"sentiment":"neutral","sentiment_score":0.13206296786665916}],"sentiment":"neutral","sentiment_score":0.09212832938989296,"num_words":68,"start":18.664999,"end":40.37},{"sentences":[{"text":"Do you mind if I just do the quick little security check with you?","start":40.37,"end":43.245,"sentiment":"neutral","sentiment_score":0.04612560956073659},{"text":"No worries.","start":45.405,"end":45.885,"sentiment":"neutral","sentiment_score":0.0713868960738182},{"text":"So I'm registered with Attic as adviser 1273105.","start":45.885,"end":50.125,"sentiment":"neutral","sentiment_score":0.04477687133476138},{"text":"Could you please confirm your date of birth and address?","start":50.125,"end":52.785,"sentiment":"neutral","sentiment_score":0.033006567321717736},{"text":"Mhmm.","start":57.179996,"end":57.679996,"sentiment":"neutral","sentiment_score":0.0228822473436594}],"sentiment":"neutral","sentiment_score":0.04284843477819647,"num_words":35,"start":40.37,"end":57.679996},{"sentences":[{"text":"Wonderful.","start":63.339996,"end":63.839996,"sentiment":"positive","sentiment_score":0.47488176822662354},{"text":"Thank you for that.","start":63.899998,"end":64.7,"sentiment":"positive","sentiment_score":0.5733324289321899},{"text":"Mate, did you want me to put in place any security question?","start":64.7,"end":67.5,"sentiment":"neutral","sentiment_score":0.117350439230601},{"text":"You're just happy to go through the three point check.","start":67.5,"end":70.159996,"sentiment":"neutral","sentiment_score":0.10664331167936325},{"text":"So now one of the things I'm looking at is you originally were kind of thinking about increasing the life insurance a little bit, and I've got your your current I double f cover, which had a bit of a top up on it.","start":73.41499,"end":86.96001,"sentiment":"neutral","sentiment_score":0.014096344778822227}],"sentiment":"neutral","sentiment_score":0.08257871889837191,"num_words":71,"start":63.339996,"end":86.96001},{"sentences":[{"text":"It was about 56,000 plus another 45.","start":86.96001,"end":90.62,"sentiment":"neutral","sentiment_score":0.011504262552729674},{"text":"So call it about a 100,000 flat of life and disability insurance.","start":90.68,"end":95.4,"sentiment":"neutral","sentiment_score":0.02152235060930252},{"text":"Does that ring a bell?","start":95.4,"end":96.62,"sentiment":"neutral","sentiment_score":0.009440119005739689},{"text":"Yep.","start":99.895004,"end":100.375,"sentiment":"neutral","sentiment_score":0.021246228367090225},{"text":"So there's been a bit of a top up a little while ago, and I'm having a look at the assets and liabilities that we have on-site.","start":100.375,"end":110.715004,"sentiment":"neutral","sentiment_score":-0.012114492296758626}],"sentiment":"neutral","sentiment_score":0.0015414149339239185,"num_words":52,"start":86.96001,"end":110.715004},{"sentences":[{"text":"So we've got, like, a a home and a couple of investment properties being the main assets.","start":111.22,"end":116.02,"sentiment":"neutral","sentiment_score":0.053168524275807774},{"text":"Is that correct?","start":116.02,"end":116.759995,"sentiment":"neutral","sentiment_score":0.08766793459653854},{"text":"Cool.","start":119.939995,"end":120.42,"sentiment":"positive","sentiment_score":0.43118101358413696},{"text":"So I can see that the last time we checked, the loan on your main residence was quite low.","start":120.42,"end":125.42,"sentiment":"neutral","sentiment_score":0.22078293405081095},{"text":"It was about $30, but you've obviously got some loans on the investment properties as well.","start":125.42,"end":130.49501,"sentiment":"neutral","sentiment_score":0.1450727521441877}],"sentiment":"neutral","sentiment_score":0.14489445555955172,"num_words":56,"start":111.22,"end":130.49501},{"sentences":[{"text":"Now do you have any kind of initial thoughts on how much life insurance you're wanting to get a quote for or the main things you're wanting it to cover?","start":132.63501,"end":144.12,"sentiment":"neutral","sentiment_score":0.08879061316450437},{"text":"Yes.","start":161.315,"end":161.815,"sentiment":"neutral","sentiment_score":0.02167603373527527},{"text":"Yep.","start":179.025,"end":179.525,"sentiment":"neutral","sentiment_score":-0.05980305373668671},{"text":"Total debt of 800,000, maybe 500,000 for an amount.","start":181.025,"end":185.525,"sentiment":"neutral","sentiment_score":-0.047449924879603915},{"text":"K.","start":190.22499,"end":190.545,"sentiment":"neutral","sentiment_score":0.0056481496430933475}],"sentiment":"neutral","sentiment_score":0.052480719063342327,"num_words":42,"start":132.63501,"end":190.545},{"sentences":[{"text":"That's easy now.","start":190.545,"end":191.685,"sentiment":"neutral","sentiment_score":0.05850806956489881},{"text":"Yeah.","start":196.59,"end":196.83,"sentiment":"neutral","sentiment_score":0.2648375630378723},{"text":"Awesome.","start":196.83,"end":197.23,"sentiment":"positive","sentiment_score":0.4232413172721863},{"text":"And I'm assuming you want that just popped up within the super.","start":197.23,"end":200.77,"sentiment":"neutral","sentiment_score":0.21446068957448006},{"text":"Just a bit of an additional cover pay through the super.","start":200.91,"end":203.49,"sentiment":"neutral","sentiment_score":0.12876722013408487}],"sentiment":"neutral","sentiment_score":0.1733418137633375,"num_words":28,"start":190.545,"end":203.49},{"sentences":[{"text":"Fantastic.","start":205.645,"end":206.145,"sentiment":"positive","sentiment_score":0.5072129368782043},{"text":"So that'll get it the 15% rebate, and I'll do up a bit of a quote for about four hundred thousand of top up cover, and that'll kinda get you there.","start":206.205,"end":218.305,"sentiment":"neutral","sentiment_score":0.2926817022023662},{"text":"Just double checking a couple of things for me.","start":220.38,"end":223.6,"sentiment":"neutral","sentiment_score":0.06290611169404453},{"text":"We've got so your September 1973.","start":224.94,"end":228.46002,"sentiment":"neutral","sentiment_score":0.0278304781143864},{"text":"Correct?","start":228.46,"end":228.78,"sentiment":"neutral","sentiment_score":0.02732478454709053}],"sentiment":"neutral","sentiment_score":0.2154335075756535,"num_words":48,"start":205.645,"end":228.78},{"sentences":[{"text":"So about '52?","start":228.78,"end":230.24,"sentiment":"neutral","sentiment_score":0.010261459896961847},{"text":"Yep.","start":231.075,"end":231.575,"sentiment":"neutral","sentiment_score":0.1102290377020836},{"text":"Fantastic.","start":232.595,"end":233.095,"sentiment":"positive","sentiment_score":0.3913564682006836},{"text":"So that's one thing is, obviously, age impact premium.","start":233.235,"end":235.97499,"sentiment":"neutral","sentiment_score":0.11099561552206676},{"text":"The only other thing was you're still nonsmoker status?","start":236.515,"end":239.89499,"sentiment":"neutral","sentiment_score":0.014881837285227247}],"sentiment":"neutral","sentiment_score":0.07240291134170863,"num_words":23,"start":228.78,"end":239.89499},{"sentences":[{"text":"Fantastic.","start":242.19499,"end":242.69499,"sentiment":"positive","sentiment_score":0.34440112113952637},{"text":"And I don't mean to get too personal, sir, but it does impact the premiums.","start":244.09,"end":247.84999,"sentiment":"neutral","sentiment_score":0.01735393420482675},{"text":"Could I just get an updated height and weight for you so I can do a bit of a BMI calculator?","start":247.84999,"end":253.06999,"sentiment":"neutral","sentiment_score":0.14279597288086301},{"text":"Yep.","start":257.825,"end":258.325,"sentiment":"neutral","sentiment_score":0.11360489577054976},{"text":"Hundred and two kegs.","start":261.505,"end":262.885,"sentiment":"neutral","sentiment_score":0.06782934721559286}],"sentiment":"neutral","sentiment_score":0.09496066307959457,"num_words":42,"start":242.19499,"end":262.885},{"sentences":[{"text":"Hundred and seventy seven.","start":264.30502,"end":265.765,"sentiment":"neutral","sentiment_score":0.0697539709508419},{"text":"Because there's a few different one of the things that I usually check is if I link it through your TPD cover, it makes it about half the cost.","start":266.065,"end":275.62,"sentiment":"neutral","sentiment_score":0.15249691184224753},{"text":"And that's why you've kind of got, like, that 100,000 of life insurance, 100,000 of total disability.","start":277.2,"end":282.41998,"sentiment":"neutral","sentiment_score":0.12931332123630188},{"text":"So if you're okay with that, I can kind of do a bit of a I'll do a quote for just life insurance and a quote for them linked together.","start":282.675,"end":289.335,"sentiment":"positive","sentiment_score":0.3409823626279831},{"text":"K.","start":291.955,"end":292.455,"sentiment":"neutral","sentiment_score":0.042402781546115875}],"sentiment":"neutral","sentiment_score":0.21199538825470723,"num_words":81,"start":264.30502,"end":292.455},{"sentences":[{"text":"Now yep.","start":292.91498,"end":294.615,"sentiment":"neutral","sentiment_score":-0.002257918007671833},{"text":"Yep.","start":307.305,"end":307.805,"sentiment":"neutral","sentiment_score":0.01764756254851818},{"text":"Yeah.","start":318.265,"end":318.745,"sentiment":"neutral","sentiment_score":0.015713544562458992},{"text":"Absolutely.","start":318.745,"end":319.245,"sentiment":"neutral","sentiment_score":0.032688118517398834},{"text":"I know I think Nails is the only one that really excludes the second occupation, but it's gotta be under 10% of your workload.","start":319.385,"end":327.75,"sentiment":"neutral","sentiment_score":-0.05342317007792493}],"sentiment":"neutral","sentiment_score":-0.042090437664040206,"num_words":29,"start":292.91498,"end":327.75},{"sentences":[{"text":"Would you say it actually is under 10%, or do you do a bit more than that like a yep.","start":331.72998,"end":338.545,"sentiment":"neutral","sentiment_score":-0.0871844497974962},{"text":"Yeah.","start":340.365,"end":340.525,"sentiment":"neutral","sentiment_score":0.09394721686840056},{"text":"That's okay.","start":340.525,"end":341.005,"sentiment":"neutral","sentiment_score":0.19049213081598282},{"text":"So what I might do is I might just do a a quote up for standalone life insurance.","start":341.005,"end":344.845,"sentiment":"neutral","sentiment_score":0.15845086922248205},{"text":"I'll sort of check just in case.","start":344.845,"end":346.465,"sentiment":"neutral","sentiment_score":0.054738237389496396}],"sentiment":"neutral","sentiment_score":0.040969287297533206,"num_words":48,"start":331.72998,"end":346.465},{"sentences":[{"text":"But, yeah, that occupation thing can mess with the TPD component.","start":346.765,"end":350.385,"sentiment":"neutral","sentiment_score":-0.21484498205510053},{"text":"Other thing is, I was just going back through the file history just in case.","start":354.67,"end":358.61002,"sentiment":"neutral","sentiment_score":-0.006824693083763123},{"text":"It's not too much of an issue for life insurance, but you had obviously been on, I think, an income protection claim for the hand back in the day?","start":360.59003,"end":369.84503,"sentiment":"neutral","sentiment_score":-0.019227701753121},{"text":"Cool.","start":370.20502,"end":370.70502,"sentiment":"positive","sentiment_score":0.4067372679710388},{"text":"Our new system's a little bit Five years.","start":371.725,"end":385.02,"sentiment":"neutral","sentiment_score":0.16228735819458961}],"sentiment":"neutral","sentiment_score":-0.020597381502739154,"num_words":64,"start":346.765,"end":385.02},{"sentences":[{"text":"Yep.","start":385.02,"end":385.52,"sentiment":"neutral","sentiment_score":0.054347872734069824},{"text":"Four to five years.","start":385.81998,"end":387.03998,"sentiment":"neutral","sentiment_score":0.032948223408311605},{"text":"And the only other thing I was gonna check with you is how's the old, like, cholesterol, blood pressure, all that kind of thing going?","start":389.25998,"end":397.735,"sentiment":"neutral","sentiment_score":-0.028726453743875027},{"text":"Yep.","start":400.275,"end":400.675,"sentiment":"neutral","sentiment_score":-0.004578557796776295},{"text":"Lots of fun.","start":400.675,"end":401.315,"sentiment":"neutral","sentiment_score":0.010153099273641905}],"sentiment":"neutral","sentiment_score":-0.014886465800159118,"num_words":34,"start":385.02,"end":401.315},{"sentences":[{"text":"Are you on medication for it?","start":401.315,"end":403.655,"sentiment":"neutral","sentiment_score":-0.03523250296711922},{"text":"Great.","start":407.33002,"end":407.83002,"sentiment":"neutral","sentiment_score":0.3021520972251892},{"text":"Alright.","start":408.13,"end":408.63,"sentiment":"neutral","sentiment_score":0.23848208785057068},{"text":"So I can pretty much, based on this information, do up a bit of a quote and and let you know what it's looking like for 400,000 with the life insurance.","start":408.69,"end":418.23,"sentiment":"positive","sentiment_score":0.34936920673616473},{"text":"I'll do the usual check, and we'll compare all the providers to see who will do the cheapest, and I'll also check it with the I double o s as well.","start":419.555,"end":428.055,"sentiment":"neutral","sentiment_score":0.21335742502443253}],"sentiment":"neutral","sentiment_score":0.25391092502645085,"num_words":70,"start":401.315,"end":428.055},{"sentences":[{"text":"Now the only thing is that everything's looking pretty okay on the underwriting front.","start":430.835,"end":436.03998,"sentiment":"neutral","sentiment_score":0.14263866895011493},{"text":"If you wanna be a 100% certain on it, we can do a full pre assessment where the guys ask you all the health questions again, get all the details, and we shoot that off anonymously to the insurers.","start":436.58,"end":447.4,"sentiment":"neutral","sentiment_score":0.1628848658158229},{"text":"Would you like me to get that organized for you, or would you be happy just to look at a quote first and then go from there?","start":447.81497,"end":453.435,"sentiment":"neutral","sentiment_score":0.18667556869762916},{"text":"Yep.","start":456.615,"end":457.115,"sentiment":"neutral","sentiment_score":0.2226863354444504},{"text":"And if that's looking pretty good, I think a bit of a pre assessment would be nice just to save you from getting any knockback from applications or exclusions that you're not expecting.","start":457.735,"end":467.52002,"sentiment":"neutral","sentiment_score":0.191535904100447}],"sentiment":"neutral","sentiment_score":0.17485142682205168,"num_words":114,"start":430.835,"end":467.52002},{"sentences":[{"text":"Wait.","start":470.54,"end":471.02002,"sentiment":"neutral","sentiment_score":0.10716202110052107},{"text":"Okay.","start":471.02002,"end":471.26,"sentiment":"neutral","sentiment_score":0.1623244434595108},{"text":"I can get that organized for you.","start":471.26,"end":472.96002,"sentiment":"neutral","sentiment_score":0.24323639912264688},{"text":"Other than that, Nathan, you've got a bit of an annual review teed up towards the end of the year.","start":473.18,"end":478.445,"sentiment":"neutral","sentiment_score":0.1435603316873312},{"text":"Just obviously check on how the soup is going.","start":478.445,"end":480.865,"sentiment":"neutral","sentiment_score":0.04925986255208651}],"sentiment":"neutral","sentiment_score":0.13912333302984112,"num_words":38,"start":470.54,"end":480.865},{"sentences":[{"text":"Anything else you can think of that I can help you with today?","start":481.245,"end":484.305,"sentiment":"neutral","sentiment_score":0.05969738014615499},{"text":"Yeah.","start":493.42,"end":493.82,"sentiment":"neutral","sentiment_score":0.11651113629341124},{"text":"That's true.","start":493.82,"end":495.04,"sentiment":"positive","sentiment_score":0.3770544230937958},{"text":"Yeah.","start":497.34,"end":497.58002,"sentiment":"neutral","sentiment_score":0.2506027817726135},{"text":"And things are kind of still moving along pretty well.","start":497.58002,"end":500.16,"sentiment":"neutral","sentiment_score":0.3287271961569786}],"sentiment":"neutral","sentiment_score":0.19202076547123767,"num_words":27,"start":481.245,"end":500.16},{"sentences":[{"text":"It's not as catastrophic as it could have been or not yet at least.","start":500.62,"end":504.76498,"sentiment":"neutral","sentiment_score":-0.10494416207075119},{"text":"So nothing too crazy.","start":505.625,"end":507.54498,"sentiment":"neutral","sentiment_score":-0.07865811791270971},{"text":"We'll see how the next couple of months goes.","start":507.54498,"end":509.645,"sentiment":"neutral","sentiment_score":-0.0033670709364944035},{"text":"Outside of that, I mean, when we if we get a bit of an idea on this insurance quote, I usually put a bit of a flag on it if the premiums are more than 30% of your contributions in terms of price.","start":512.745,"end":527.19995,"sentiment":"neutral","sentiment_score":0.001954508382220601},{"text":"Now I'll obviously, default to your opinion on what price is appropriate or too much or too expensive or okay, but I'll put a bit of a flag on it there as well because, again, we we can't have $5 coming out of the Super Bowl all of a sudden, and then you start golf backwards.","start":529.66,"end":545.875,"sentiment":"neutral","sentiment_score":-0.06785935249977879}],"sentiment":"neutral","sentiment_score":-0.04389074808430104,"num_words":126,"start":500.62,"end":545.875},{"sentences":[{"text":"Awesome.","start":549.98,"end":550.48,"sentiment":"neutral","sentiment_score":0.23476290702819824},{"text":"Can I just double check?","start":550.62,"end":552.08,"sentiment":"neutral","sentiment_score":0.0494416493922472},{"text":"You're drawing the wages from that business and then you're doing the remedial.","start":553.82,"end":558.64,"sentiment":"neutral","sentiment_score":-0.03430340825938261},{"text":"Do you know if you get super contributions on both?","start":559.925,"end":562.005,"sentiment":"neutral","sentiment_score":0.009030061773955822},{"text":"I'm just struggling with the logins yet.","start":562.005,"end":564.345,"sentiment":"neutral","sentiment_score":-0.1488676049879619}],"sentiment":"neutral","sentiment_score":-0.025437382515519857,"num_words":36,"start":549.98,"end":564.345},{"sentences":[{"text":"Yep.","start":572.34,"end":572.84,"sentiment":"neutral","sentiment_score":-0.057738207280635834},{"text":"And for the wages, I'm just trying to decipher the previous notes here.","start":573.06,"end":577.54,"sentiment":"neutral","sentiment_score":-0.04804979207424017},{"text":"We had income at about 85,000, but the agricultural work about 30.","start":577.54,"end":583.24,"sentiment":"neutral","sentiment_score":-0.04035256585727135},{"text":"So is it contributions on just the 30 or let's see on 30 k.","start":586.91504,"end":594.215,"sentiment":"neutral","sentiment_score":0.0030653347660388264},{"text":"Wait.","start":597.71,"end":598.03,"sentiment":"neutral","sentiment_score":0.02633112482726574}],"sentiment":"neutral","sentiment_score":-0.0267651337312489,"num_words":41,"start":572.34,"end":598.03},{"sentences":[{"text":"I'll go back through the the transaction history just to double check, and I'll work back a few figures from there.","start":598.03,"end":604.19,"sentiment":"neutral","sentiment_score":0.045884364595015846},{"text":"But that gives me a pretty good idea.","start":604.19,"end":605.97003,"sentiment":"positive","sentiment_score":0.47613130789250135},{"text":"Yeah.","start":621.42,"end":621.74,"sentiment":"neutral","sentiment_score":0.02074035443365574},{"text":"That's right.","start":621.74,"end":622.37994,"sentiment":"neutral","sentiment_score":0.035090766847133636},{"text":"Because the previous claim on the income protection, if we try and get you another one yeah.","start":622.37994,"end":629.6,"sentiment":"neutral","sentiment_score":-0.007620195200776353}],"sentiment":"neutral","sentiment_score":0.09661225896632793,"num_words":49,"start":598.03,"end":629.6},{"sentences":[{"text":"And you're paying under a thousand dollars for all that cover income protection and a $100 of life and TPD, so that's not too bad.","start":629.81995,"end":637.105,"sentiment":"neutral","sentiment_score":0.10489271312952042},{"text":"I think a replacement policy probably would have been up with the 3 or $4.","start":639.005,"end":642.865,"sentiment":"neutral","sentiment_score":0.0592779407898585},{"text":"So hopefully, a bit of life insurance isn't too much.","start":642.925,"end":645.505,"sentiment":"neutral","sentiment_score":0.015550372377038001},{"text":"Cool.","start":648.56,"end":649.06,"sentiment":"neutral","sentiment_score":0.3235121965408325},{"text":"Alright.","start":651.27997,"end":651.6,"sentiment":"neutral","sentiment_score":0.2563018202781677}],"sentiment":"neutral","sentiment_score":0.0816693207822167,"num_words":52,"start":629.81995,"end":651.6},{"sentences":[{"text":"So no trauma.","start":651.6,"end":652.57996,"sentiment":"neutral","sentiment_score":0.14992168049017587},{"text":"Income protection is there.","start":652.95996,"end":654.5,"sentiment":"neutral","sentiment_score":0.11968736723065376},{"text":"Life and TPD, the $100.","start":655.12,"end":658.01996,"sentiment":"neutral","sentiment_score":0.1125970646739006},{"text":"Cool.","start":659.09503,"end":659.59503,"sentiment":"positive","sentiment_score":0.3619534373283386},{"text":"Alright.","start":659.73505,"end":660.055,"sentiment":"neutral","sentiment_score":0.24604377150535583}],"sentiment":"neutral","sentiment_score":0.14996407447116716,"num_words":14,"start":651.6,"end":660.055},{"sentences":[{"text":"I've got a bit of direction there, Nathan.","start":660.055,"end":661.655,"sentiment":"neutral","sentiment_score":0.21879433654248714},{"text":"Anything else that you can think of?","start":661.655,"end":663.515,"sentiment":"neutral","sentiment_score":0.0977831802197865},{"text":"Mhmm.","start":693.845,"end":694.345,"sentiment":"neutral","sentiment_score":0.021434467285871502},{"text":"Yeah.","start":699.94,"end":700.34,"sentiment":"neutral","sentiment_score":0.040794581174850464},{"text":"Well, 4 to 600,000 probably would actually give a bit of a decent jump up in the price.","start":700.34,"end":705.16,"sentiment":"neutral","sentiment_score":0.049350194012125335}],"sentiment":"neutral","sentiment_score":0.09672484270163945,"num_words":35,"start":660.055,"end":705.16},{"sentences":[{"text":"If we're hitting an affordability issue where it jumps up quite a bit, do you want me to just kind of work it back until it's affordable, whether it's 300, 200, 100 thousand?","start":707.155,"end":717.09503,"sentiment":"neutral","sentiment_score":-0.004869124506402648},{"text":"Yeah.","start":736.305,"end":736.625,"sentiment":"neutral","sentiment_score":0.1563725471496582},{"text":"Absolutely.","start":736.625,"end":737.125,"sentiment":"positive","sentiment_score":0.43943843245506287},{"text":"I'll pretty much go for I'll even do one of 600 so you can see.","start":737.26495,"end":741.605,"sentiment":"neutral","sentiment_score":0.29250174860159556},{"text":"400, and then I'll work my way back from there, and then I'll pretty much just send you with whoever's the most affordable.","start":743.69995,"end":749.8,"sentiment":"neutral","sentiment_score":0.233195749313935}],"sentiment":"neutral","sentiment_score":0.13953641553613524,"num_words":73,"start":707.155,"end":749.8},{"sentences":[{"text":"I'll send you the range of quotes for all three.","start":750.18,"end":752.68,"sentiment":"neutral","sentiment_score":0.2125732570886612},{"text":"I double f and alternative, and I'll shoot that through.","start":756.29504,"end":760.395,"sentiment":"neutral","sentiment_score":0.2242372915148735},{"text":"Once we get a bit of an idea of what you're happy with, we can put it in an updated advice document.","start":760.775,"end":766.155,"sentiment":"neutral","sentiment_score":0.2715542810884389},{"text":"But for now, I'll just kind of send some preliminary quotes so you've got an idea.","start":766.375,"end":770.395,"sentiment":"neutral","sentiment_score":0.16351125901564956},{"text":"Alright.","start":774.82,"end":775.32,"sentiment":"positive","sentiment_score":0.40198010206222534}],"sentiment":"neutral","sentiment_score":0.226448473157519,"num_words":59,"start":750.18,"end":775.32},{"sentences":[{"text":"Mate, thank you very much for taking the time today.","start":775.62,"end":778.28,"sentiment":"positive","sentiment_score":0.6466362178325653},{"text":"Have you had any other significant changes since we last spoke to you that I need to kind of update on your file?","start":778.5,"end":784.2,"sentiment":"neutral","sentiment_score":0.06622545242957446},{"text":"Can I just yeah?","start":796.88995,"end":800.00995,"sentiment":"neutral","sentiment_score":-0.04195674788206816},{"text":"It was Jacob there originally who had this inquiry around the life insurance.","start":800.00995,"end":804.19,"sentiment":"neutral","sentiment_score":-0.026226559940439004},{"text":"Can I just double check the properties with you for a minute before I let you go?","start":804.49,"end":808.19,"sentiment":"neutral","sentiment_score":-0.008809722631293185}],"sentiment":"neutral","sentiment_score":0.10941806013014779,"num_words":67,"start":775.62,"end":808.19},{"sentences":[{"text":"Yeah.","start":813.225,"end":813.545,"sentiment":"neutral","sentiment_score":0.008569352328777313},{"text":"So I had three listed.","start":813.545,"end":815.005,"sentiment":"neutral","sentiment_score":0.007058687880635262},{"text":"Your main residence, which you've got no debt on now because of the redraw, and then two investment properties.","start":815.305,"end":821.865,"sentiment":"neutral","sentiment_score":0.03438254357560685},{"text":"One valued at $4.50 with 170 owing and one valued at $5.70 with about $5.50 out.","start":821.865,"end":829.1,"sentiment":"neutral","sentiment_score":0.029504450736567378},{"text":"Yep.","start":848.135,"end":848.635,"sentiment":"neutral","sentiment_score":0.017300741747021675}],"sentiment":"neutral","sentiment_score":0.028250073171442465,"num_words":42,"start":813.225,"end":848.635},{"sentences":[{"text":"Yep.","start":861.255,"end":861.755,"sentiment":"neutral","sentiment_score":-0.005245203152298927},{"text":"Yeah.","start":884.47003,"end":884.97003,"sentiment":"neutral","sentiment_score":0.02842949330806732},{"text":"So let me just quickly double check what you were saying.","start":885.11005,"end":888.31006,"sentiment":"neutral","sentiment_score":0.017619058235802433},{"text":"So main residence is 0.","start":888.31006,"end":890.625,"sentiment":"neutral","sentiment_score":0.02252110354602337},{"text":"The first investment property is now, let's say, 700,000 to be conservative, and that one's owing $1.70 as well.","start":890.925,"end":900.945,"sentiment":"neutral","sentiment_score":0.042863486824851284}],"sentiment":"neutral","sentiment_score":0.030919072923023958,"num_words":37,"start":861.255,"end":900.945},{"sentences":[{"text":"Yep.","start":903.34,"end":903.84,"sentiment":"neutral","sentiment_score":0.07712483406066895},{"text":"The $1.70 on that one valued at 700, and then we've got two units.","start":903.9,"end":908.80005,"sentiment":"neutral","sentiment_score":0.06544778256544045},{"text":"First one is valued at $5.70, and that one's got $1.70 oing on that around about.","start":909.58,"end":920.03503,"sentiment":"neutral","sentiment_score":0.04317632515449077},{"text":"And then the second unit, 38420.","start":921.455,"end":924.03503,"sentiment":"neutral","sentiment_score":0.03413162442545096},{"text":"Perfect.","start":927.31,"end":927.79,"sentiment":"positive","sentiment_score":0.48582592606544495}],"sentiment":"neutral","sentiment_score":0.06249554381754838,"num_words":38,"start":903.34,"end":927.79},{"sentences":[{"text":"And that's a unit number one.","start":927.79,"end":930.29,"sentiment":"neutral","sentiment_score":0.21746682872374853},{"text":"So we've got two houses, two units, and then just like you said, four, five, six, seven.","start":931.23,"end":939.575,"sentiment":"neutral","sentiment_score":0.09917302495416473},{"text":"Yeah.","start":939.575,"end":939.895,"sentiment":"neutral","sentiment_score":0.034213848412036896},{"text":"About 800 thousand in debt total.","start":939.895,"end":941.835,"sentiment":"neutral","sentiment_score":-0.00002300056318442027},{"text":"And what you're thinking is, you know, 500 will be good.","start":944.29504,"end":946.695,"sentiment":"neutral","sentiment_score":0.14772307059981607}],"sentiment":"neutral","sentiment_score":0.11340907361449265,"num_words":41,"start":927.79,"end":946.695},{"sentences":[{"text":"5 or 600 will be good.","start":946.695,"end":948.135,"sentiment":"neutral","sentiment_score":0.23941819618145624},{"text":"That way, it covers most of the debt.","start":948.135,"end":950.135,"sentiment":"neutral","sentiment_score":0.16255410388112068},{"text":"And then at most, you sell one property if you need to.","start":950.135,"end":952.955,"sentiment":"neutral","sentiment_score":0.05672220358004173},{"text":"Fantastic.","start":956.07,"end":956.57,"sentiment":"positive","sentiment_score":0.5680669546127319},{"text":"And then for the main residence, I'll just do the old quick check online because that's oh, hang on.","start":960.07,"end":966.95,"sentiment":"neutral","sentiment_score":0.12888634008796593}],"sentiment":"neutral","sentiment_score":0.13988077972570193,"num_words":46,"start":946.695,"end":966.95},{"sentences":[{"text":"Is it still Easton Road, Stratford?","start":966.95,"end":970.11505,"sentiment":"neutral","sentiment_score":0.03513913508504629},{"text":"Perfect.","start":974.73505,"end":975.23505,"sentiment":"positive","sentiment_score":0.41917893290519714},{"text":"Just gonna quickly check that online.","start":978.41504,"end":980.275,"sentiment":"neutral","sentiment_score":0.1463031346599261},{"text":"East Road.","start":982.54,"end":983.28,"sentiment":"neutral","sentiment_score":0.033310458064079285},{"text":"Oh, hang on a sec.","start":985.82,"end":987.2,"sentiment":"neutral","sentiment_score":0.04107344038784504}],"sentiment":"neutral","sentiment_score":0.08899103347212076,"num_words":20,"start":966.95,"end":987.2},{"sentences":[{"text":"We've got a couple of suburbs popping up here.","start":988.3,"end":991.68,"sentiment":"neutral","sentiment_score":0.07365840466486083},{"text":"Let me double check.","start":992.3,"end":993.34,"sentiment":"neutral","sentiment_score":0.055852499790489674},{"text":"That's Strathdell, Victoria.","start":993.34,"end":994.72003,"sentiment":"neutral","sentiment_score":0.05310118446747462},{"text":"Would you say it's still around about the 900,000 month or that one would have jumped up as well?","start":997.945,"end":1003.16504,"sentiment":"neutral","sentiment_score":-0.0018520459385686799},{"text":"Yeah.","start":1013.97,"end":1014.37,"sentiment":"neutral","sentiment_score":0.00809440203011036}],"sentiment":"neutral","sentiment_score":0.028292908992928762,"num_words":36,"start":988.3,"end":1014.37},{"sentences":[{"text":"We've got yeah.","start":1014.37,"end":1018.29,"sentiment":"neutral","sentiment_score":0.030345036337773006},{"text":"It pretty much says between $9.22 and 1 point o 4.","start":1018.29,"end":1024.175,"sentiment":"neutral","sentiment_score":0.0305716928771951},{"text":"Cool.","start":1027.435,"end":1027.675,"sentiment":"neutral","sentiment_score":0.17146173119544983},{"text":"Alrighty.","start":1027.675,"end":1028.175,"sentiment":"neutral","sentiment_score":0.13596372306346893},{"text":"Yep.","start":1047.145,"end":1047.645,"sentiment":"neutral","sentiment_score":-0.01271836832165718}],"sentiment":"neutral","sentiment_score":0.04247240097645451,"num_words":17,"start":1014.37,"end":1047.645},{"sentences":[{"text":"It's true.","start":1052.0249,"end":1052.825,"sentiment":"neutral","sentiment_score":0.019470336847007275},{"text":"True.","start":1052.825,"end":1053.325,"sentiment":"neutral","sentiment_score":0.07559969276189804},{"text":"That's cool, though.","start":1055.865,"end":1056.585,"sentiment":"positive","sentiment_score":0.43555829922358197},{"text":"I mean, whether it's $9.20, $9.50, we're pretty close to the mark there either way.","start":1056.585,"end":1060.56,"sentiment":"neutral","sentiment_score":0.23434626360734304},{"text":"Alrighty.","start":1062.9601,"end":1063.4601,"sentiment":"neutral","sentiment_score":0.28574392199516296}],"sentiment":"neutral","sentiment_score":0.23737059728327123,"num_words":22,"start":1052.0249,"end":1063.4601},{"sentences":[{"text":"Cool.","start":1065.3601,"end":1065.52,"sentiment":"neutral","sentiment_score":0.31810447573661804},{"text":"Now what I'll do, Nathan, is I'll I'll actually get these emails through to you hopefully next week.","start":1065.52,"end":1071.8601,"sentiment":"neutral","sentiment_score":0.0753760068780846},{"text":"I just need to see how long I double f takes for an alteration increase quote.","start":1073.5349,"end":1078.975,"sentiment":"neutral","sentiment_score":-0.025898625375702977},{"text":"And once I get them through to you, the team will probably just give you a buzz just to reach out for an updated chat with me.","start":1078.975,"end":1084.59,"sentiment":"neutral","sentiment_score":0.07686890937663891},{"text":"But if you wanna respond to that email, if you did if that was a clear decision for you, I can then fill out that updated document prior.","start":1085.7899,"end":1095.97,"sentiment":"neutral","sentiment_score":0.07229260428409491}],"sentiment":"neutral","sentiment_score":0.059557200740608905,"num_words":90,"start":1065.3601,"end":1095.97},{"sentences":[{"text":"Alright.","start":1099.165,"end":1099.665,"sentiment":"neutral","sentiment_score":0.23022586107254028},{"text":"Alright.","start":1100.285,"end":1100.445,"sentiment":"neutral","sentiment_score":0.16866736114025116},{"text":"Any other last questions for me before I let you go for your weekend?","start":1100.445,"end":1103.1849,"sentiment":"neutral","sentiment_score":0.09874086348073823},{"text":"Alright, Nathan.","start":1106.365,"end":1107.165,"sentiment":"positive","sentiment_score":0.3471437841653824},{"text":"I really appreciate you taking the time today.","start":1107.165,"end":1109.405,"sentiment":"positive","sentiment_score":0.6731920838356018}],"sentiment":"neutral","sentiment_score":0.30234959807533485,"num_words":26,"start":1099.165,"end":1109.405},{"sentences":[{"text":"I think we've got all the ideas noted down.","start":1109.405,"end":1112.225,"sentiment":"positive","sentiment_score":0.46044665575027466},{"text":"And if you need anything else in between, mate, just please give us a call or a text, and we'll be reaching out hopefully next week.","start":1113.3201,"end":1119.66,"sentiment":"neutral","sentiment_score":0.17862025877604118},{"text":"Alright.","start":1122.7869,"end":1123.1868,"sentiment":"positive","sentiment_score":0.4478820264339447},{"text":"Have a good weekend, man.","start":1123.1868,"end":1124.4069,"sentiment":"positive","sentiment_score":0.6672350525856018},{"text":"Thank you.","start":1126.6268,"end":1127.2668,"sentiment":"positive","sentiment_score":0.7117588520050049}],"sentiment":"neutral","sentiment_score":0.32548189821631407,"num_words":43,"start":1109.405,"end":1127.2668},{"sentences":[{"text":"Bye.","start":1127.2668,"end":1127.7668,"sentiment":"positive","sentiment_score":0.455744206905365}],"sentiment":"positive","sentiment_score":0.455744206905365,"num_words":1,"start":1127.2668,"end":1127.7668}]}}]},{"alternatives":[{"transcript":"Hello, Nathan. This is England. Good. How are you? Yep. Yeah. No. The sun is shining. It's quite nice for me. So yeah. Yes. Yeah. Yeah. Sure. Yeah. Yeah. Yep. Yeah. That's fine. Yep. Sixteenth of the ninth nineteen seventy three, and address is 9 East Road, Strathdale, Victoria 355. No. No. Yep. That's right. Yep. Go for it. Yes. Yep. Yep. That could be right. Yep. Yes. Yes. Yep. Well, we've got we've got we've got four properties and we they took the debt totaling at 700 and I call it $800,000 on that four property. So I guess I wanna cover 500,000, something like that. Look. First, where we live, principal place resident, it's it's well, we don't have anything at the moment. It's all sitting in redraws. It's just the investment properties. We got some money. I'm not so proxy. Yep. Just, yeah, just to give me a rough idea. What I trusted month or year or whatever. It's worth it. Yep. Yep. Yes. Yes. Yep. Yes. Yep. Yep. Correct. Yeah. One seventy seven centimeters and a hundred and two kilos. Yep. Right. Yep. Yep. Yes. Yes. Because I because I because at the moment sorry. With me, the income at the moment, it seems like I'm working on my family farm. I get a draw a wage from that and I'm a remedial massage as well. That's roughly half and half. But I know there's a farming component that can blow it out a bit, I think. You know, sort of other income protection and all that sort of stuff. Yeah. Yes. Yes. Alright. No. No. No. No. No. It's more than that. Yeah. It's roughly half and half. Yeah. Yep. Yes. Yep. Yes. Yep. Five. Four or five? Yeah. Yeah. Yeah. Last time I told my butt, they was falling. Yeah. I had a butt. Last time I No. Yes. Yes. Yep. Yep. I will just look at a quote first, and we'll see. Yeah. From there, I think. Yep. That's fine. Yep. Yep. Yep. Yep. Okay. Yep. Yep. No. No. I don't think so. So the world's doing what it's doing, so who knows what's gonna happen. So everything's okay. Thank you. Yep. Yeah. It's yep. Trying that. Yep. Yes. Okay. Yep. Yep. Not. Yep. No. No. That's fine. Yep. Yeah. That makes sense that makes sense to me. Yes. No. No. I only I only I only only only my wife that contributes super extremely per hour meal. Correct. Yes. Yes. Yep. Yep. So I think initially, they left the I, double o, f open. Just trying to think. There's something to do around the income protection or something like that. I can't remember. That's why I've got two different super funds running this. And because it Yeah. It was gonna call it out or do something. Yeah. Okay. Yep. Yep. Right. Yep. Okay. Yep. Yep. Very good. No. No. I think that's it. The main thing is, yeah, just get an idea roughly. I don't know. Yeah. What whatever you think the different whether it's, like, an extra 400, an extra, like, 600? I don't know. Would there be much difference between the two amounts to lock protection cover? Like, if it's 400, that'll pay out, say, 500 of the debt, which just sell one of the properties that wouldn't be made. But my thing is the house is covered in where it works from, so it should be under that. Yep. Yep. Yeah. Yeah. Yeah. If if I yeah. Safety I I don't know how how it works. But if you get to say, I don't know, $3.05 7 or whatever works out as, like, cover, Just and they might know what the differences are and the amounts and things like that. Just so just so I've got clear in my head. So yep. Yep. Beautiful. Yep. Yep. Yep. Yep. Fantastic. Can't think so. No. Well, we no. No. Someone spoke to someone. Yeah. Yeah. Yeah. I reckon we sold the property since that's what it is. Like, taken on yet. Correct. Yep. Alright. So our own house, yep, it has it's all in sitting in. They at work, which is the $1.70, it it'd be worth more than that. Yeah. I reckon that'd be close to 7 or 800,000. It's moved. And we've got two units in now. So one will be $5.70, roughly. I don't think they've moved that much. Probably a bit more, but we'll just say $5.70. And there's a 170 on on that one. And then I've got another one. Paid $3.80 for each, but I've paid I've got 04:20 a. M. That's the reason. Obviously, trust collateral is in here. So again, that one borrowed the whole amount. Yeah. You're right. Yep. Yep. Yes. Yep. Yep. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yep. Yes. Yep. That's it. Yep. I would jump out. Oh, I reckon it would be closer to me in there. Just who I think are in in the other month. But yeah. 9 100 conservatively. Yeah. There's a lot of houses that are considered similar or a million or a touch more than they have. Like, there's three bedroom, two bathroom, which is four bedroom, two bathroom, and similar sized blocks and all that sort of stuff. So yeah. $9.09 50 or something. You'd always in a way, sorry. In in my opinion, but, you know, do have an emotional attachment when it's your own house. Right? Everyone thinks their house is a bit better than what it is. Yeah. Yep. Yeah. Yeah. That's fine. K. Yep. Okay. Yep. Yep. Yep. It seems good. No. I think that's it. It's good on you. Yep. No worries. Yep. Sounds good. Alright. I'll wait to hear from you. Okay. You too. Thank you. 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Nathan. This is England. Good. How are you? Yep.\n\nYeah. No. The sun is shining. It's quite nice for me. So yeah.\n\nYes. Yeah. Yeah. Sure. Yeah.\n\nYeah. Yep. Yeah. That's fine. Yep.\n\nSixteenth of the ninth nineteen seventy three, and address is 9 East Road, Strathdale, Victoria 355. No. No. Yep. That's right.\n\nYep. Go for it. Yes. Yep. Yep.\n\nThat could be right. Yep. Yes. Yes. Yep.\n\nWell, we've got we've got we've got four properties and we they took the debt totaling at 700 and I call it $800,000 on that four property. So I guess I wanna cover 500,000, something like that. Look. First, where we live, principal place resident, it's it's well, we don't have anything at the moment. It's all sitting in redraws.\n\nIt's just the investment properties. We got some money. I'm not so proxy. Yep. Just, yeah, just to give me a rough idea.\n\nWhat I trusted month or year or whatever. It's worth it. Yep. Yep. Yes.\n\nYes. Yep. Yes. Yep. Yep.\n\nCorrect. Yeah. One seventy seven centimeters and a hundred and two kilos. Yep. Right.\n\nYep. Yep. Yes. Yes. Because I because I because at the moment sorry.\n\nWith me, the income at the moment, it seems like I'm working on my family farm. I get a draw a wage from that and I'm a remedial massage as well. That's roughly half and half. But I know there's a farming component that can blow it out a bit, I think. You know, sort of other income protection and all that sort of stuff.\n\nYeah. Yes. Yes. Alright. No.\n\nNo. No. No. No. It's more than that.\n\nYeah. It's roughly half and half. Yeah. Yep. Yes.\n\nYep. Yes. Yep. Five. Four or five?\n\nYeah. Yeah. Yeah. Last time I told my butt, they was falling. Yeah.\n\nI had a butt. Last time I No. Yes. Yes. Yep.\n\nYep. I will just look at a quote first, and we'll see. Yeah. From there, I think. Yep.\n\nThat's fine. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. No. No.\n\nI don't think so. So the world's doing what it's doing, so who knows what's gonna happen. So everything's okay. Thank you. Yep.\n\nYeah. It's yep. Trying that. Yep. Yes.\n\nOkay. Yep. Yep. Not. Yep.\n\nNo. No. That's fine. Yep. Yeah.\n\nThat makes sense that makes sense to me. Yes. No. No. I only I only I only only only my wife that contributes super extremely per hour meal.\n\nCorrect. Yes. Yes. Yep. Yep.\n\nSo I think initially, they left the I, double o, f open. Just trying to think. There's something to do around the income protection or something like that. I can't remember. That's why I've got two different super funds running this.\n\nAnd because it Yeah. It was gonna call it out or do something. Yeah. Okay. Yep.\n\nYep. Right. Yep. Okay. Yep.\n\nYep. Very good. No. No. I think that's it.\n\nThe main thing is, yeah, just get an idea roughly. I don't know. Yeah. What whatever you think the different whether it's, like, an extra 400, an extra, like, 600? I don't know.\n\nWould there be much difference between the two amounts to lock protection cover? Like, if it's 400, that'll pay out, say, 500 of the debt, which just sell one of the properties that wouldn't be made. But my thing is the house is covered in where it works from, so it should be under that. Yep. Yep.\n\nYeah. Yeah. Yeah. If if I yeah. Safety I I don't know how how it works.\n\nBut if you get to say, I don't know, $3.05 7 or whatever works out as, like, cover, Just and they might know what the differences are and the amounts and things like that. Just so just so I've got clear in my head. So yep. Yep. Beautiful.\n\nYep. Yep. Yep. Yep. Fantastic.\n\nCan't think so. No. Well, we no. No. Someone spoke to someone.\n\nYeah. Yeah. Yeah. I reckon we sold the property since that's what it is. Like, taken on yet.\n\nCorrect. Yep. Alright. So our own house, yep, it has it's all in sitting in. They at work, which is the $1.70, it it'd be worth more than that.\n\nYeah. I reckon that'd be close to 7 or 800,000. It's moved. And we've got two units in now. So one will be $5.70, roughly.\n\nI don't think they've moved that much. Probably a bit more, but we'll just say $5.70. And there's a 170 on on that one. And then I've got another one. Paid $3.80 for each, but I've paid I've got 04:20 a.\n\nM. That's the reason. Obviously, trust collateral is in here. So again, that one borrowed the whole amount. Yeah.\n\nYou're right. Yep. Yep. Yes. Yep.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nYeah. Yep. Yep. Yes. Yep.\n\nThat's it. Yep. I would jump out. Oh, I reckon it would be closer to me in there. Just who I think are in in the other month.\n\nBut yeah. 9 100 conservatively. Yeah. There's a lot of houses that are considered similar or a million or a touch more than they have. Like, there's three bedroom, two bathroom, which is four bedroom, two bathroom, and similar sized blocks and all that sort of stuff.\n\nSo yeah. $9.09 50 or something. You'd always in a way, sorry. In in my opinion, but, you know, do have an emotional attachment when it's your own house. Right?\n\nEveryone thinks their house is a bit better than what it is. Yeah. Yep. Yeah. Yeah.\n\nThat's fine. K. Yep. Okay. Yep.\n\nYep. Yep. It seems good. No. I think that's it.\n\nIt's good on you. Yep. No worries. Yep. Sounds good.\n\nAlright. I'll wait to hear from you. Okay. You too. Thank you.\n\nStay up.","paragraphs":[{"sentences":[{"text":"Hello, Nathan.","start":0.64,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.052343353629112244},{"text":"This is England.","start":1.4399999,"end":2.02,"sentiment":"neutral","sentiment_score":0.04454146698117256},{"text":"Good.","start":7.6,"end":7.8399997,"sentiment":"positive","sentiment_score":0.35966676473617554},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.2439161092042923},{"text":"Yep.","start":13.12,"end":13.605,"sentiment":"neutral","sentiment_score":0.2370491623878479}],"sentiment":"neutral","sentiment_score":0.15667753629386424,"num_words":10,"start":0.64,"end":13.605},{"sentences":[{"text":"Yeah.","start":14.165,"end":14.565,"sentiment":"neutral","sentiment_score":0.19747933745384216},{"text":"No.","start":14.565,"end":15.045,"sentiment":"neutral","sentiment_score":0.11640363931655884},{"text":"The sun is shining.","start":15.045,"end":16.404999,"sentiment":"neutral","sentiment_score":0.31601738557219505},{"text":"It's quite nice for me.","start":16.404999,"end":18.345,"sentiment":"positive","sentiment_score":0.5862005472183227},{"text":"So 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seventy seven centimeters and a hundred and two kilos.","start":254.84,"end":259.9,"sentiment":"neutral","sentiment_score":0.11338267326354981},{"text":"Yep.","start":273.695,"end":274.195,"sentiment":"neutral","sentiment_score":0.22885137796401975},{"text":"Right.","start":276.05002,"end":276.55002,"sentiment":"neutral","sentiment_score":0.22020971775054932}],"sentiment":"neutral","sentiment_score":0.13436295092105865,"num_words":14,"start":240.415,"end":276.55002},{"sentences":[{"text":"Yep.","start":277.49002,"end":277.99002,"sentiment":"neutral","sentiment_score":0.16964522004127502},{"text":"Yep.","start":282.85,"end":283.35,"sentiment":"neutral","sentiment_score":0.21562528610229492},{"text":"Yes.","start":287.73,"end":288.23,"sentiment":"neutral","sentiment_score":0.30907419323921204},{"text":"Yes.","start":289.57,"end":290.07,"sentiment":"neutral","sentiment_score":0.10785993933677672},{"text":"Because I because I because at the moment sorry.","start":291.88498,"end":294.705,"sentiment":"neutral","sentiment_score":0.004088416074713071}],"sentiment":"neutral","sentiment_score":0.06453849103015202,"num_words":13,"start":277.49002,"end":294.705},{"sentences":[{"text":"With me, the income at the moment, it seems like I'm working on my family farm.","start":295.32498,"end":301.025,"sentiment":"neutral","sentiment_score":-0.036367759108543396},{"text":"I get a draw a wage from that and I'm a remedial massage as well.","start":301.245,"end":306.24,"sentiment":"neutral","sentiment_score":0.037168607612450916},{"text":"That's roughly half and half.","start":306.47998,"end":308.09998,"sentiment":"neutral","sentiment_score":0.026738056167960166},{"text":"But I know there's a farming component that can blow it out a bit, I think.","start":308.4,"end":313.59998,"sentiment":"neutral","sentiment_score":-0.14486579247750342},{"text":"You know, sort of other income protection and all that sort of 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is.","start":1051.075,"end":1053.9,"sentiment":"neutral","sentiment_score":0.032999589728812374},{"text":"Yeah.","start":1060.38,"end":1060.7001,"sentiment":"neutral","sentiment_score":0.12929987907409668},{"text":"Yep.","start":1060.7001,"end":1061.2001,"sentiment":"neutral","sentiment_score":0.126997709274292},{"text":"Yeah.","start":1068.735,"end":1069.235,"sentiment":"neutral","sentiment_score":0.06964132189750671},{"text":"Yeah.","start":1071.234,"end":1071.734,"sentiment":"neutral","sentiment_score":0.017370102927088737}],"sentiment":"neutral","sentiment_score":0.04620650561992079,"num_words":16,"start":1051.075,"end":1071.734},{"sentences":[{"text":"That's fine.","start":1073.733,"end":1076.7319,"sentiment":"neutral","sentiment_score":-0.02433385979384184},{"text":"K.","start":1078.731,"end":1079.231,"sentiment":"neutral","sentiment_score":0.02200622856616974},{"text":"Yep.","start":1084.99,"end":1085.49,"sentiment":"neutral","sentiment_score":0.06354481726884842},{"text":"Okay.","start":1089.87,"end":1090.37,"sentiment":"neutral","sentiment_score":0.028574973344802856},{"text":"Yep.","start":1090.4299,"end":1090.9299,"sentiment":"neutral","sentiment_score":0.07603956758975983}],"sentiment":"neutral","sentiment_score":0.02358297786364953,"num_words":6,"start":1073.733,"end":1090.9299},{"sentences":[{"text":"Yep.","start":1092.11,"end":1092.61,"sentiment":"neutral","sentiment_score":0.09239743649959564},{"text":"Yep.","start":1095.71,"end":1096.21,"sentiment":"neutral","sentiment_score":0.28429561853408813},{"text":"It seems good.","start":1097.055,"end":1099.0751,"sentiment":"positive","sentiment_score":0.5004980365435282},{"text":"No.","start":1103.2151,"end":1103.6951,"sentiment":"neutral","sentiment_score":-0.029525239020586017},{"text":"I think that's it.","start":1103.6951,"end":1104.8351,"sentiment":"neutral","sentiment_score":-0.028646195773035288}],"sentiment":"neutral","sentiment_score":0.17340771425515414,"num_words":10,"start":1092.11,"end":1104.8351},{"sentences":[{"text":"It's good on you.","start":1109.6151,"end":1110.48,"sentiment":"positive","sentiment_score":0.5910572558641434},{"text":"Yep.","start":1112.5599,"end":1113.0599,"sentiment":"neutral","sentiment_score":0.05524429678916931},{"text":"No worries.","start":1117.04,"end":1117.6799,"sentiment":"neutral","sentiment_score":0.14911554753780365},{"text":"Yep.","start":1117.6799,"end":1118.0,"sentiment":"neutral","sentiment_score":0.1616028994321823},{"text":"Sounds good.","start":1118.0,"end":1118.82,"sentiment":"positive","sentiment_score":0.5079280734062195}],"sentiment":"positive","sentiment_score":0.38951634615659714,"num_words":10,"start":1109.6151,"end":1118.82},{"sentences":[{"text":"Alright.","start":1119.9199,"end":1120.32,"sentiment":"positive","sentiment_score":0.3367072343826294},{"text":"I'll wait to hear from you.","start":1120.32,"end":1121.62,"sentiment":"positive","sentiment_score":0.3857121616601944},{"text":"Okay.","start":1124.0,"end":1124.4,"sentiment":"positive","sentiment_score":0.41416752338409424},{"text":"You too.","start":1124.4,"end":1124.88,"sentiment":"positive","sentiment_score":0.45910394191741943},{"text":"Thank you.","start":1124.88,"end":1125.62,"sentiment":"positive","sentiment_score":0.754061222076416}],"sentiment":"positive","sentiment_score":0.4576231713096301,"num_words":12,"start":1119.9199,"end":1125.62},{"sentences":[{"text":"Stay up.","start":1127.7369,"end":1128.4769,"sentiment":"neutral","sentiment_score":0.10268565267324448}],"sentiment":"neutral","sentiment_score":0.10268565267324448,"num_words":2,"start":1127.7369,"end":1128.4769}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Nathan. This is England.\n\nChannel 0: Good day, Nathan. It's Tommy here from Oakview Financial, one of the senior advisers. Mate, how are you doing today?\n\nChannel 1: Good. How are you?\n\nChannel 0: Man, living the dream. It's a beautiful, warm, sunny Friday.\n\nChannel 1: Yep. Yeah. No. The sun is shining. It's quite nice for me.\n\nSo\n\nChannel 0: Good to hear.\n\nChannel 1: yeah.\n\nChannel 0: Mate, I'm just giving you a call to go through a bit of an insurance increase chat that you were looking for over\n\nChannel 1: Yes.\n\nChannel 0: the last little period after in the new year. Do you still have a bit of time for me?\n\nChannel 1: Yeah. Yeah. Sure. Yeah.\n\nChannel 0: Perfect. Now I've got your your current policy up in front of me and\n\nChannel 1: Yeah.\n\nChannel 0: also the the last details that we took down. Do you mind\n\nChannel 1: Yep.\n\nChannel 0: if I just do the quick little security check with you?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: No worries. So I'm registered with Attic as adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: Sixteenth of the ninth nineteen seventy three, and address is\n\nChannel 0: Mhmm.\n\nChannel 1: 9 East Road, Strathdale, Victoria 355.\n\nChannel 0: Wonderful. Thank you for that. Mate, did you want me to put in place any security question? You're just happy to go through the three\n\nChannel 1: No. No.\n\nChannel 0: point check.\n\nChannel 1: Yep. That's right. Yep. Go for it.\n\nChannel 0: So now one of the things I'm looking at is you originally were kind of thinking about increasing the life insurance a little bit,\n\nChannel 1: Yes.\n\nChannel 0: and I've got your your current I double f cover, which had a bit of a top up on it. It was\n\nChannel 1: Yep.\n\nChannel 0: about 56,000 plus another 45. So call it about a 100,000 flat of life and disability insurance. Does that ring a bell?\n\nChannel 1: Yep. That could be right. Yep.\n\nChannel 0: Yep. So there's been a bit of a top up a little while ago, and I'm having a look at the assets and liabilities that we have on-site. So we've got, like, a a home and a couple of investment properties being the main assets.\n\nChannel 1: Yes.\n\nChannel 0: Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Cool. So I can see that the last time we checked, the loan on your main residence was quite low. It was about $30, but you've obviously got some loans on the investment properties as well.\n\nChannel 1: Yep.\n\nChannel 0: Now do you have any kind of initial thoughts on how much life insurance you're wanting to get a quote for or the main things you're wanting it to cover?\n\nChannel 1: Well, we've got we've got we've got four properties and we they took the debt totaling at 700 and I call it $800,000 on that four property. So I guess\n\nChannel 0: Yes.\n\nChannel 1: I wanna cover 500,000, something like that. Look. First, where we live, principal place resident, it's it's well, we don't have anything at the moment. It's all sitting in redraws. It's just the investment properties.\n\nWe got some money. I'm not so\n\nChannel 0: Yep. Total debt of 800,000, maybe\n\nChannel 1: proxy.\n\nChannel 0: 500,000 for an amount.\n\nChannel 1: Yep. Just, yeah, just\n\nChannel 0: K.\n\nChannel 1: to give\n\nChannel 0: That's\n\nChannel 1: me a\n\nChannel 0: easy\n\nChannel 1: rough idea.\n\nChannel 0: now.\n\nChannel 1: What I trusted month or year or whatever. It's worth it. Yep.\n\nChannel 0: Yeah. Awesome. And I'm assuming you want that just popped up within the super. Just a bit of an additional cover pay through the\n\nChannel 1: Yep.\n\nChannel 0: super.\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. So that'll get it the 15% rebate, and\n\nChannel 1: Yes.\n\nChannel 0: I'll do up a bit of a quote for about four hundred thousand of top up cover,\n\nChannel 1: Yep.\n\nChannel 0: and that'll kinda get you there.\n\nChannel 1: Yes.\n\nChannel 0: Just double checking a couple of things for me. We've got so your September 1973. Correct? So about '52?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. So that's one thing is, obviously, age impact premium. The only other thing was you're still nonsmoker status?\n\nChannel 1: Yep. Correct.\n\nChannel 0: Fantastic. And I don't mean to get too personal, sir, but it does impact the premiums. Could I just get an updated height and weight for you so I can do a bit of a BMI calculator?\n\nChannel 1: Yeah. One seventy seven centimeters and\n\nChannel 0: Yep.\n\nChannel 1: a hundred and two kilos.\n\nChannel 0: Hundred and two kegs. Hundred and seventy seven. Because there's a few different one of the things that I usually check is if I link it through your TPD cover, it\n\nChannel 1: Yep.\n\nChannel 0: makes it about half the cost.\n\nChannel 1: Right.\n\nChannel 0: And that's\n\nChannel 1: Yep.\n\nChannel 0: why you've kind of got, like, that 100,000 of life insurance, 100,000 of total disability. So if\n\nChannel 1: Yep.\n\nChannel 0: you're okay with that, I can kind of do a bit of a I'll do a quote for just life insurance and\n\nChannel 1: Yes.\n\nChannel 0: a quote for them linked together.\n\nChannel 1: Yes. Because\n\nChannel 0: K.\n\nChannel 1: I because I\n\nChannel 0: Now\n\nChannel 1: because at the moment\n\nChannel 0: yep.\n\nChannel 1: sorry. With me, the income at the moment, it seems like I'm working on my family farm. I get a draw a wage from that and I'm a remedial massage as well. That's roughly half\n\nChannel 0: Yep.\n\nChannel 1: and half. But I know there's a farming component that can blow it out a bit, I think. You know, sort of other income protection and all that sort of stuff.\n\nChannel 0: Yeah. Absolutely. I know\n\nChannel 1: Yeah.\n\nChannel 0: I think Nails is the only one that really excludes the second occupation, but it's gotta be under 10% of\n\nChannel 1: Yes.\n\nChannel 0: your workload.\n\nChannel 1: Yes. Alright.\n\nChannel 0: Would you say it actually is under 10%, or do you\n\nChannel 1: No.\n\nChannel 0: do a bit\n\nChannel 1: No.\n\nChannel 0: more than that like\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: No. No. It's more than that. Yeah. It's roughly half\n\nChannel 0: yep.\n\nChannel 1: and half. Yeah.\n\nChannel 0: Yeah. That's okay. So what I might do is I might just do a a quote up for standalone life insurance. I'll sort of check just in case.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, that occupation thing can mess with the TPD component. Other thing is, I was just going back through the file history\n\nChannel 1: Yes.\n\nChannel 0: just in case.\n\nChannel 1: Yep.\n\nChannel 0: It's not too much of an issue for life insurance, but you had obviously been on, I think, an income protection claim for the hand back in\n\nChannel 1: Yes.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: day? Cool. Our new system's a little bit\n\nChannel 1: Five. Four or five?\n\nChannel 0: Five years. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Four to five years. And the only other thing I was gonna check with you is how's the old, like, cholesterol, blood\n\nChannel 1: Yeah.\n\nChannel 0: pressure,\n\nChannel 1: Yeah.\n\nChannel 0: all that\n\nChannel 1: Last\n\nChannel 0: kind of thing\n\nChannel 1: time\n\nChannel 0: going?\n\nChannel 1: I told my butt, they was falling. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I had\n\nChannel 0: Lots\n\nChannel 1: a butt.\n\nChannel 0: of fun.\n\nChannel 1: Last\n\nChannel 0: Are\n\nChannel 1: time\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: on medication for it?\n\nChannel 1: No.\n\nChannel 0: Great. Alright. So I can pretty much, based on this information, do up a bit of a quote and and let you know what it's looking like for 400,000 with the life insurance.\n\nChannel 1: Yes.\n\nChannel 0: I'll do the usual check, and we'll compare all the providers to see who will do the cheapest, and I'll also check it with the I double o s as well.\n\nChannel 1: Yes.\n\nChannel 0: Now the only thing is that everything's looking pretty okay on the underwriting front.\n\nChannel 1: Yep.\n\nChannel 0: If you wanna be a 100% certain on it, we can do a full pre assessment where the guys ask you all the health questions again, get all the details, and we shoot that off anonymously to the insurers. Would you\n\nChannel 1: Yep.\n\nChannel 0: like me to get that organized for you, or would you be happy just to look at a quote first\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: will\n\nChannel 0: then\n\nChannel 1: just\n\nChannel 0: go\n\nChannel 1: look\n\nChannel 0: from there?\n\nChannel 1: at a quote first, and we'll see. Yeah. From there, I think. Yep. That's fine.\n\nChannel 0: Yep. And if that's looking pretty good, I think a bit of a pre assessment would be nice\n\nChannel 1: Yep.\n\nChannel 0: just to save you from getting any knockback from applications\n\nChannel 1: Yep.\n\nChannel 0: or exclusions that you're not expecting.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Wait. Okay. I can get that organized for you. Other than that, Nathan, you've got a bit of an annual review teed up towards the end of the year. Just\n\nChannel 1: Yep.\n\nChannel 0: obviously check on how the soup is going.\n\nChannel 1: Yep.\n\nChannel 0: Anything else you can think of that I can help you with\n\nChannel 1: No.\n\nChannel 0: today?\n\nChannel 1: No. I don't think so. So the world's doing what it's doing, so who knows what's gonna happen. So everything's\n\nChannel 0: Yeah.\n\nChannel 1: okay.\n\nChannel 0: That's\n\nChannel 1: Thank you.\n\nChannel 0: true. Yeah. And things are kind of still moving along pretty well. It's not as catastrophic as it could have been or not\n\nChannel 1: Yep.\n\nChannel 0: yet at least.\n\nChannel 1: Yeah.\n\nChannel 0: So nothing\n\nChannel 1: It's\n\nChannel 0: too crazy. We'll see\n\nChannel 1: yep.\n\nChannel 0: how the next couple of months goes.\n\nChannel 1: Trying that. Yep.\n\nChannel 0: Outside of that, I mean, when we if we get a bit of an idea on this insurance quote, I usually put a bit of a flag on it if the premiums are more than 30% of your contributions in terms of price.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Now I'll\n\nChannel 1: Yep.\n\nChannel 0: obviously, default to your opinion on what price is appropriate or too much or too expensive or\n\nChannel 1: Yep.\n\nChannel 0: okay, but I'll put a bit of a flag on it there as well because, again, we we can't have $5 coming\n\nChannel 1: Not.\n\nChannel 0: out of the Super Bowl all of a sudden, and then you start golf backwards.\n\nChannel 1: Yep. No. No. That's fine. Yep.\n\nYeah. That\n\nChannel 0: Awesome.\n\nChannel 1: makes sense\n\nChannel 0: Can\n\nChannel 1: that\n\nChannel 0: I\n\nChannel 1: makes\n\nChannel 0: just double\n\nChannel 1: sense to\n\nChannel 0: check?\n\nChannel 1: me.\n\nChannel 0: You're drawing the wages from that business and then you're doing the remedial.\n\nChannel 1: Yes.\n\nChannel 0: Do you know if you get super contributions on both? I'm just struggling with\n\nChannel 1: No.\n\nChannel 0: the logins\n\nChannel 1: No.\n\nChannel 0: yet.\n\nChannel 1: I only I only I only only only my wife that contributes super extremely per\n\nChannel 0: Yep. And for the\n\nChannel 1: hour\n\nChannel 0: wages, I'm just trying to decipher the previous notes here. We had income at about 85,000, but\n\nChannel 1: meal.\n\nChannel 0: the agricultural work about 30.\n\nChannel 1: Correct.\n\nChannel 0: So is it contributions on just the 30 or\n\nChannel 1: Yes. Yes.\n\nChannel 0: let's see on 30 k. Wait. I'll go back through the the transaction history just to double check, and I'll work back a few figures from\n\nChannel 1: Yep.\n\nChannel 0: there. But that gives\n\nChannel 1: Yep.\n\nChannel 0: me a pretty good idea.\n\nChannel 1: So I think initially, they left the I, double o, f open. Just trying to think. There's something to do around the income protection or something like that. I can't remember. That's why I've got two different super funds running this.\n\nChannel 0: Yeah.\n\nChannel 1: And because\n\nChannel 0: That's right. Because\n\nChannel 1: it\n\nChannel 0: the previous claim on the income protection, if\n\nChannel 1: Yeah.\n\nChannel 0: we try\n\nChannel 1: It\n\nChannel 0: and\n\nChannel 1: was\n\nChannel 0: get\n\nChannel 1: gonna\n\nChannel 0: you another\n\nChannel 1: call\n\nChannel 0: one\n\nChannel 1: it out or do something. Yeah. Okay.\n\nChannel 0: yeah. And you're paying under a thousand dollars for all that cover income\n\nChannel 1: Yep.\n\nChannel 0: protection and a $100 of life and TPD, so that's not too bad.\n\nChannel 1: Yep.\n\nChannel 0: I think a replacement policy probably would have been up with the 3 or $4. So hopefully,\n\nChannel 1: Right.\n\nChannel 0: a bit of life insurance isn't too much.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep. Very good.\n\nChannel 0: Alright. So no trauma. Income protection is there. Life and TPD, the $100. Cool.\n\nAlright. I've got a bit of direction there, Nathan. Anything else that you can think of?\n\nChannel 1: No. No. I think that's it. The main thing is, yeah, just get an idea roughly. I don't know.\n\nYeah. What whatever you think the different whether it's, like, an extra 400, an extra, like, 600? I don't know. Would there be much difference between the two amounts to lock protection cover? Like, if it's 400, that'll pay out, say, 500 of the debt, which just sell one of the properties that wouldn't be made.\n\nBut my thing is the house is covered\n\nChannel 0: Mhmm.\n\nChannel 1: in where it works from, so it should be under that.\n\nChannel 0: Yeah. Well, 4 to 600,000 probably would actually give a bit of a decent jump up in the price. If we're hitting an affordability issue where it jumps up quite a\n\nChannel 1: Yep.\n\nChannel 0: bit, do\n\nChannel 1: Yep.\n\nChannel 0: you want me to just kind of work it back until it's affordable, whether it's 300, 200, 100\n\nChannel 1: Yeah.\n\nChannel 0: thousand?\n\nChannel 1: Yeah. Yeah. If if I yeah. Safety I I don't know how how it works. But if you get to say, I don't know, $3.05 7 or whatever works out as, like, cover, Just and they might know what the differences are and the amounts and things like that.\n\nJust so just so I've got clear in my head. So\n\nChannel 0: Yeah. Absolutely. I'll pretty much go for I'll even do one of 600 so you can see.\n\nChannel 1: yep.\n\nChannel 0: 400, and then I'll work my way back from there, and then I'll pretty much just send you with whoever's the most affordable. I'll send you the range of quotes for all three.\n\nChannel 1: Yep. Beautiful. Yep.\n\nChannel 0: I double\n\nChannel 1: Yep.\n\nChannel 0: f and alternative, and I'll shoot that through. Once we get a bit of an idea of what you're happy with, we can put it in an updated advice document. But for now, I'll just kind of send some preliminary quotes so you've got an idea.\n\nChannel 1: Yep. Yep. Fantastic.\n\nChannel 0: Alright. Mate, thank you very much for taking the time today. Have you had any other significant changes since we last spoke to you that I need to kind of update on your file?\n\nChannel 1: Can't think so. No. Well, we no. No. Someone spoke\n\nChannel 0: Can\n\nChannel 1: to\n\nChannel 0: I\n\nChannel 1: someone.\n\nChannel 0: just yeah? It was Jacob there originally who had this inquiry around the life insurance. Can I\n\nChannel 1: Yeah.\n\nChannel 0: just double check the properties with you for a minute before\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I let you go?\n\nChannel 1: I reckon we sold the property since that's what it is. Like, taken on yet.\n\nChannel 0: Yeah. So I had three listed. Your main residence,\n\nChannel 1: Correct.\n\nChannel 0: which you've got no debt on now because of the redraw, and\n\nChannel 1: Yep.\n\nChannel 0: then two investment properties. One valued at $4.50 with 170 owing and one valued at $5.70 with about $5.50 out.\n\nChannel 1: Alright. So our own house, yep, it has it's all in sitting in. They at work, which is the $1.70, it it'd be worth more than that. Yeah. I reckon that'd be close to 7 or 800,000.\n\nIt's moved.\n\nChannel 0: Yep.\n\nChannel 1: And we've got two units in now. So one will be $5.70, roughly. I don't think they've moved that much. Probably a bit more, but we'll just\n\nChannel 0: Yep.\n\nChannel 1: say $5.70. And there's a 170 on on that one. And then I've got another one. Paid $3.80 for each, but I've paid I've got 04:20 a. M.\n\nThat's the reason. Obviously, trust collateral is in here. So again, that one borrowed the whole amount.\n\nChannel 0: Yeah. So let me just quickly double check what you were\n\nChannel 1: Yeah.\n\nChannel 0: saying. So\n\nChannel 1: You're right.\n\nChannel 0: main residence is 0. The\n\nChannel 1: Yep.\n\nChannel 0: first investment property is now, let's say, 700,000 to be conservative,\n\nChannel 1: Yep.\n\nChannel 0: and that one's owing $1.70 as well.\n\nChannel 1: Yes.\n\nChannel 0: Yep. The $1.70 on that one valued at 700, and then we've\n\nChannel 1: Yep.\n\nChannel 0: got two units.\n\nChannel 1: Yep.\n\nChannel 0: First one is valued at $5.70,\n\nChannel 1: Yeah.\n\nChannel 0: and that one's got $1.70 oing on that around\n\nChannel 1: Yeah.\n\nChannel 0: about. And then the second unit, 38420.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. And that's a unit number one. So we've got two houses, two units, and then just like you said, four, five, six, seven. Yeah. About 800\n\nChannel 1: Yeah.\n\nChannel 0: thousand in debt total.\n\nChannel 1: Yep.\n\nChannel 0: And what you're thinking is, you know, 500 will be good. 5 or 600 will be good. That way, it covers most of the debt. And then at most, you sell one property if you need to.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And then for the main residence, I'll just do the old quick check online because that's oh, hang on. Is it still Easton Road, Stratford?\n\nChannel 1: Yes. Yep. That's it.\n\nChannel 0: Perfect. Just gonna quickly check that online. East Road. Oh, hang on a sec. We've got a couple of suburbs popping up here.\n\nLet me double check. That's Strathdell, Victoria.\n\nChannel 1: Yep.\n\nChannel 0: Would you say it's still around about the 900,000 month or that one would have jumped up as well?\n\nChannel 1: I would jump out. Oh, I reckon it would be closer to me in there. Just who I think are in in the other month. But yeah. 9\n\nChannel 0: Yeah.\n\nChannel 1: 100\n\nChannel 0: We've got\n\nChannel 1: conservatively.\n\nChannel 0: yeah. It pretty much says between $9.22 and 1 point o 4.\n\nChannel 1: Yeah. There's a lot\n\nChannel 0: Cool.\n\nChannel 1: of houses\n\nChannel 0: Alrighty.\n\nChannel 1: that are considered similar or a million or a touch more than they have. Like, there's three bedroom, two bathroom, which is four bedroom, two bathroom, and similar sized blocks and all that sort of stuff. So yeah. $9.09 50 or something. You'd always in a way, sorry.\n\nIn in my opinion, but, you\n\nChannel 0: Yep.\n\nChannel 1: know, do have an emotional attachment when it's your own house. Right? Everyone thinks their\n\nChannel 0: It's\n\nChannel 1: house is\n\nChannel 0: true.\n\nChannel 1: a bit better\n\nChannel 0: True.\n\nChannel 1: than what it is.\n\nChannel 0: That's cool, though. I mean, whether it's $9.20, $9.50, we're pretty close to the mark there either way.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Alrighty. Cool. Now what I'll do, Nathan, is I'll\n\nChannel 1: Yeah.\n\nChannel 0: I'll actually get these emails through to you hopefully next\n\nChannel 1: Yeah.\n\nChannel 0: week. I\n\nChannel 1: That's\n\nChannel 0: just need to see how long I double f\n\nChannel 1: fine.\n\nChannel 0: takes for an alteration increase quote.\n\nChannel 1: K.\n\nChannel 0: And once I get them through to you, the team will probably just give you a buzz just to reach out for an updated chat with me.\n\nChannel 1: Yep.\n\nChannel 0: But if you wanna respond to that email, if you did if that was a clear\n\nChannel 1: Okay.\n\nChannel 0: decision\n\nChannel 1: Yep.\n\nChannel 0: for you,\n\nChannel 1: Yep.\n\nChannel 0: I can then fill out that updated document prior.\n\nChannel 1: Yep. It seems good.\n\nChannel 0: Alright. Alright. Any other last questions for me before I let you go for your weekend?\n\nChannel 1: No. I think that's it.\n\nChannel 0: Alright, Nathan. I really appreciate you taking the time today. I think\n\nChannel 1: It's good\n\nChannel 0: we've\n\nChannel 1: on\n\nChannel 0: got\n\nChannel 1: you.\n\nChannel 0: all the ideas noted down.\n\nChannel 1: Yep.\n\nChannel 0: And if you need anything else in between, mate, just please give us a call or a text,\n\nChannel 1: No worries.\n\nChannel 0: and we'll\n\nChannel 1: Yep.\n\nChannel 0: be reaching\n\nChannel 1: Sounds good.\n\nChannel 0: out hopefully next week.\n\nChannel 1: Alright. I'll wait to hear from you.\n\nChannel 0: Alright. Have a good weekend, man.\n\nChannel 1: Okay. You too. Thank you.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Stay up.","paragraphs":[{"sentences":[{"text":"Hello, Nathan.","start":0.64,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.052343353629112244},{"text":"This is England.","start":1.4399999,"end":2.02,"sentiment":"neutral","sentiment_score":0.04454146698117256}],"sentiment":"neutral","sentiment_score":0.04766222164034843,"channel":1,"num_words":5,"start":0.64,"end":2.02},{"sentences":[{"text":"Good day, Nathan.","start":2.8,"end":3.52,"sentiment":"positive","sentiment_score":0.3983268042405446},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers.","start":3.52,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.20850442891771143},{"text":"Mate, how are you doing 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to put in place any security question?","start":64.7,"end":67.5,"sentiment":"neutral","sentiment_score":0.117350439230601},{"text":"You're just happy to go through the three","start":67.5,"end":69.34,"sentiment":"neutral","sentiment_score":0.1603740081191063}],"sentiment":"neutral","sentiment_score":0.21837635278701784,"channel":0,"num_words":25,"start":63.339996,"end":69.34},{"sentences":[{"text":"No.","start":69.165,"end":69.325,"sentiment":"neutral","sentiment_score":-0.09093192964792252},{"text":"No.","start":69.325,"end":69.825,"sentiment":"neutral","sentiment_score":-0.14379720389842987}],"sentiment":"neutral","sentiment_score":-0.1173645667731762,"channel":1,"num_words":2,"start":69.165,"end":69.825},{"sentences":[{"text":"point 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know.","start":668.33,"end":669.15,"sentiment":"neutral","sentiment_score":-0.05825986092289289}],"sentiment":"neutral","sentiment_score":-0.0364850524224733,"channel":1,"num_words":19,"start":663.85,"end":669.15},{"sentences":[{"text":"Yeah.","start":669.45,"end":669.95,"sentiment":"neutral","sentiment_score":-0.017155583947896957},{"text":"What whatever you think the different whether it's, like, an extra 400, an extra, like, 600?","start":670.81,"end":679.115,"sentiment":"neutral","sentiment_score":-0.03252392529975623},{"text":"I don't know.","start":679.115,"end":679.915,"sentiment":"neutral","sentiment_score":-0.07719105233748753},{"text":"Would there be much difference between the two amounts to lock protection cover?","start":679.915,"end":685.83496,"sentiment":"neutral","sentiment_score":-0.061988366911044486},{"text":"Like, if it's 400, that'll pay out, say, 500 of the debt, which just sell one of the properties that wouldn't be 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a","start":707.155,"end":710.995,"sentiment":"neutral","sentiment_score":-0.005215814453549683}],"sentiment":"neutral","sentiment_score":0.027951880643564846,"channel":0,"num_words":31,"start":699.94,"end":710.995},{"sentences":[{"text":"Yep.","start":710.945,"end":711.445,"sentiment":"neutral","sentiment_score":0.007626173552125692}],"sentiment":"neutral","sentiment_score":0.007626173552125692,"channel":1,"num_words":1,"start":710.945,"end":711.445},{"sentences":[{"text":"bit, do","start":710.995,"end":711.79504,"sentiment":"neutral","sentiment_score":-0.00039458740502595815}],"sentiment":"neutral","sentiment_score":-0.00039458740502595815,"channel":0,"num_words":2,"start":710.995,"end":711.79504},{"sentences":[{"text":"Yep.","start":711.66504,"end":712.16504,"sentiment":"neutral","sentiment_score":0.012361817061901093}],"sentiment":"neutral","sentiment_score":0.012361817061901093,"channel":1,"num_words":1,"start":711.66504,"end":712.16504},{"sentences":[{"text":"you want me to just kind of work it back until it's affordable, whether it's 300, 200, 100","start":711.79504,"end":716.59503,"sentiment":"neutral","sentiment_score":-0.005670410386907558}],"sentiment":"neutral","sentiment_score":-0.005670410386907558,"channel":0,"num_words":18,"start":711.79504,"end":716.59503},{"sentences":[{"text":"Yeah.","start":716.55,"end":716.87,"sentiment":"neutral","sentiment_score":0.01245516911149025}],"sentiment":"neutral","sentiment_score":0.01245516911149025,"channel":1,"num_words":1,"start":716.55,"end":716.87},{"sentences":[{"text":"thousand?","start":716.59503,"end":717.09503,"sentiment":"neutral","sentiment_score":0.0047652265056967735}],"sentiment":"neutral","sentiment_score":0.0047652265056967735,"channel":0,"num_words":1,"start":716.59503,"end":717.09503},{"sentences":[{"text":"Yeah.","start":716.87,"end":717.27,"sentiment":"neutral","sentiment_score":0.025402117520570755},{"text":"Yeah.","start":717.27,"end":717.59,"sentiment":"neutral","sentiment_score":0.026295170187950134},{"text":"If if I yeah.","start":717.59,"end":718.71,"sentiment":"neutral","sentiment_score":0.0031842164462432265},{"text":"Safety I I don't know how how it works.","start":718.71,"end":720.87,"sentiment":"neutral","sentiment_score":-0.08361326571967867},{"text":"But if you get to say, I don't know, $3.05 7 or whatever works out as, like, cover, Just and they might know what the differences are and the amounts and things like that.","start":720.87,"end":732.42505,"sentiment":"neutral","sentiment_score":-0.04486453456475454}],"sentiment":"neutral","sentiment_score":-0.04517304924867895,"channel":1,"num_words":49,"start":716.87,"end":732.42505},{"sentences":[{"text":"Just so just so I've got clear in my 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since we last spoke to you that I need to kind of update on your file?","start":778.5,"end":784.2,"sentiment":"neutral","sentiment_score":0.06622545242957446}],"sentiment":"neutral","sentiment_score":0.24680963783141444,"channel":0,"num_words":34,"start":774.82,"end":784.2},{"sentences":[{"text":"Can't think so.","start":787.485,"end":788.545,"sentiment":"neutral","sentiment_score":-0.04353598629434904},{"text":"No.","start":790.925,"end":791.425,"sentiment":"neutral","sentiment_score":-0.06923818588256836},{"text":"Well, we no.","start":791.485,"end":792.46497,"sentiment":"neutral","sentiment_score":-0.060076052943865456},{"text":"No.","start":793.40497,"end":793.90497,"sentiment":"neutral","sentiment_score":-0.06356659531593323},{"text":"Someone 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you,","start":1091.3099,"end":1091.97,"sentiment":"neutral","sentiment_score":0.09607912972569466}],"sentiment":"neutral","sentiment_score":0.09607912972569466,"channel":0,"num_words":2,"start":1091.3099,"end":1091.97},{"sentences":[{"text":"Yep.","start":1092.11,"end":1092.61,"sentiment":"neutral","sentiment_score":0.09239743649959564}],"sentiment":"neutral","sentiment_score":0.09239743649959564,"channel":1,"num_words":1,"start":1092.11,"end":1092.61},{"sentences":[{"text":"I can then fill out that updated document prior.","start":1092.11,"end":1095.97,"sentiment":"neutral","sentiment_score":0.10810414453347524}],"sentiment":"neutral","sentiment_score":0.10810414453347524,"channel":0,"num_words":9,"start":1092.11,"end":1095.97},{"sentences":[{"text":"Yep.","start":1095.71,"end":1096.21,"sentiment":"neutral","sentiment_score":0.28429561853408813},{"text":"It seems good.","start":1097.055,"end":1099.0751,"sentiment":"positive","sentiment_score":0.5004980365435282}],"sentiment":"positive","sentiment_score":0.4464474320411682,"channel":1,"num_words":4,"start":1095.71,"end":1099.0751},{"sentences":[{"text":"Alright.","start":1099.165,"end":1099.665,"sentiment":"neutral","sentiment_score":0.23022586107254028},{"text":"Alright.","start":1100.285,"end":1100.445,"sentiment":"neutral","sentiment_score":0.16866736114025116},{"text":"Any other last questions for me before I let you go for your weekend?","start":1100.445,"end":1103.1849,"sentiment":"neutral","sentiment_score":0.09874086348073823}],"sentiment":"neutral","sentiment_score":0.11132908193394542,"channel":0,"num_words":16,"start":1099.165,"end":1103.1849},{"sentences":[{"text":"No.","start":1103.2151,"end":1103.6951,"sentiment":"neutral","sentiment_score":-0.029525239020586017},{"text":"I think that's it.","start":1103.6951,"end":1104.8351,"sentiment":"neutral","sentiment_score":-0.028646195773035288}],"sentiment":"neutral","sentiment_score":-0.028822004422545434,"channel":1,"num_words":5,"start":1103.2151,"end":1104.8351},{"sentences":[{"text":"Alright, Nathan.","start":1106.365,"end":1107.165,"sentiment":"positive","sentiment_score":0.3471437841653824},{"text":"I really appreciate you taking the time today.","start":1107.165,"end":1109.405,"sentiment":"positive","sentiment_score":0.6731920838356018},{"text":"I think","start":1109.405,"end":1109.8049,"sentiment":"positive","sentiment_score":0.450846403837204}],"sentiment":"positive","sentiment_score":0.5817930872241656,"channel":0,"num_words":12,"start":1106.365,"end":1109.8049},{"sentences":[{"text":"It's good","start":1109.6151,"end":1110.015,"sentiment":"positive","sentiment_score":0.5833009779453278}],"sentiment":"positive","sentiment_score":0.5833009779453278,"channel":1,"num_words":2,"start":1109.6151,"end":1110.015},{"sentences":[{"text":"we've","start":1109.8049,"end":1110.0449,"sentiment":"positive","sentiment_score":0.6354931592941284}],"sentiment":"positive","sentiment_score":0.6354931592941284,"channel":0,"num_words":1,"start":1109.8049,"end":1110.0449},{"sentences":[{"text":"on","start":1110.015,"end":1110.255,"sentiment":"positive","sentiment_score":0.5860779285430908}],"sentiment":"positive","sentiment_score":0.5860779285430908,"channel":1,"num_words":1,"start":1110.015,"end":1110.255},{"sentences":[{"text":"got","start":1110.0449,"end":1110.445,"sentiment":"positive","sentiment_score":0.678604781627655}],"sentiment":"positive","sentiment_score":0.678604781627655,"channel":0,"num_words":1,"start":1110.0449,"end":1110.445},{"sentences":[{"text":"you.","start":1110.255,"end":1110.48,"sentiment":"positive","sentiment_score":0.6115491390228271}],"sentiment":"positive","sentiment_score":0.6115491390228271,"channel":1,"num_words":1,"start":1110.255,"end":1110.48},{"sentences":[{"text":"all the ideas noted down.","start":1110.445,"end":1112.225,"sentiment":"positive","sentiment_score":0.3856458306312561}],"sentiment":"positive","sentiment_score":0.3856458306312561,"channel":0,"num_words":5,"start":1110.445,"end":1112.225},{"sentences":[{"text":"Yep.","start":1112.5599,"end":1113.0599,"sentiment":"neutral","sentiment_score":0.05524429678916931}],"sentiment":"neutral","sentiment_score":0.05524429678916931,"channel":1,"num_words":1,"start":1112.5599,"end":1113.0599},{"sentences":[{"text":"And if you need anything else in between, mate, just please give us a call or a text,","start":1113.3201,"end":1117.1,"sentiment":"neutral","sentiment_score":0.11964673880073759}],"sentiment":"neutral","sentiment_score":0.11964673880073759,"channel":0,"num_words":18,"start":1113.3201,"end":1117.1},{"sentences":[{"text":"No worries.","start":1117.04,"end":1117.6799,"sentiment":"neutral","sentiment_score":0.14911554753780365}],"sentiment":"neutral","sentiment_score":0.14911554753780365,"channel":1,"num_words":2,"start":1117.04,"end":1117.6799},{"sentences":[{"text":"and we'll","start":1117.24,"end":1117.8,"sentiment":"neutral","sentiment_score":0.20693038403987885}],"sentiment":"neutral","sentiment_score":0.20693038403987885,"channel":0,"num_words":2,"start":1117.24,"end":1117.8},{"sentences":[{"text":"Yep.","start":1117.6799,"end":1118.0,"sentiment":"neutral","sentiment_score":0.1616028994321823}],"sentiment":"neutral","sentiment_score":0.1616028994321823,"channel":1,"num_words":1,"start":1117.6799,"end":1118.0},{"sentences":[{"text":"be reaching","start":1117.8,"end":1118.36,"sentiment":"neutral","sentiment_score":0.22513802349567413}],"sentiment":"neutral","sentiment_score":0.22513802349567413,"channel":0,"num_words":2,"start":1117.8,"end":1118.36},{"sentences":[{"text":"Sounds good.","start":1118.0,"end":1118.82,"sentiment":"positive","sentiment_score":0.5079280734062195}],"sentiment":"positive","sentiment_score":0.5079280734062195,"channel":1,"num_words":2,"start":1118.0,"end":1118.82},{"sentences":[{"text":"out hopefully next week.","start":1118.36,"end":1119.66,"sentiment":"positive","sentiment_score":0.406587153673172}],"sentiment":"positive","sentiment_score":0.406587153673172,"channel":0,"num_words":4,"start":1118.36,"end":1119.66},{"sentences":[{"text":"Alright.","start":1119.9199,"end":1120.32,"sentiment":"positive","sentiment_score":0.3367072343826294},{"text":"I'll wait to hear from you.","start":1120.32,"end":1121.62,"sentiment":"positive","sentiment_score":0.3857121616601944}],"sentiment":"positive","sentiment_score":0.3787114577633994,"channel":1,"num_words":7,"start":1119.9199,"end":1121.62},{"sentences":[{"text":"Alright.","start":1122.7869,"end":1123.1868,"sentiment":"positive","sentiment_score":0.4478820264339447},{"text":"Have a good weekend, man.","start":1123.1868,"end":1124.4069,"sentiment":"positive","sentiment_score":0.6672350525856018}],"sentiment":"positive","sentiment_score":0.630676214893659,"channel":0,"num_words":6,"start":1122.7869,"end":1124.4069},{"sentences":[{"text":"Okay.","start":1124.0,"end":1124.4,"sentiment":"positive","sentiment_score":0.41416752338409424},{"text":"You too.","start":1124.4,"end":1124.88,"sentiment":"positive","sentiment_score":0.45910394191741943},{"text":"Thank you.","start":1124.88,"end":1125.62,"sentiment":"positive","sentiment_score":0.754061222076416}],"sentiment":"positive","sentiment_score":0.568099570274353,"channel":1,"num_words":5,"start":1124.0,"end":1125.62},{"sentences":[{"text":"Thank you.","start":1126.6268,"end":1127.2668,"sentiment":"positive","sentiment_score":0.7117588520050049},{"text":"Bye.","start":1127.2668,"end":1127.7668,"sentiment":"positive","sentiment_score":0.455744206905365}],"sentiment":"positive","sentiment_score":0.6264206369717916,"channel":0,"num_words":3,"start":1126.6268,"end":1127.7668},{"sentences":[{"text":"Stay up.","start":1127.7369,"end":1128.4769,"sentiment":"neutral","sentiment_score":0.10268565267324448}],"sentiment":"neutral","sentiment_score":0.10268565267324448,"channel":1,"num_words":2,"start":1127.7369,"end":1128.4769}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers about insurance increases and life insurance policies. They discuss coverage options and emphasise the importance of annual reviews and annual reviews for affordability issues. The agents provide quotes and advise on updating files and credit card account updates, and provide preliminary quotes for home and investment properties. The customers confirm retirement and receive updated quotes for their files. The agents will follow up with the customers with advice documents and email follow-up."},"intents":{"segments":[{"text":"Mate, I'm just giving you a call to go through a bit of an insurance increase chat that you were looking for over Yes.","start_word":56,"end_word":79,"intents":[{"intent":"Check insurance coverage","confidence_score":0.031366974}]},{"text":"Now do you have any kind of initial thoughts on how much life insurance you're wanting to get a quote for or the main things you're wanting it to cover?","start_word":382,"end_word":411,"intents":[{"intent":"Get a quote for life insurance coverage","confidence_score":0.058819905},{"intent":"Get a quote for life insurance coverage","confidence_score":0.25174537}]},{"text":"So that's one thing is, obviously, age impact premium. The only other thing was you're still nonsmoker status? Yep. Correct.","start_word":606,"end_word":625,"intents":[{"intent":"Confirm age and nonsmoker status","confidence_score":0.0040099598}]},{"text":"Could I just get an updated height and weight for you so I can do a bit of a BMI calculator?","start_word":643,"end_word":663,"intents":[{"intent":"Request bmi calculator","confidence_score":0.001916569}]},{"text":"If you wanna be a 100% certain on it, we can do a full pre assessment where the guys ask you all the health questions again, get all the details, and we shoot that off anonymously to the insurers. Would you Yep.","start_word":1152,"end_word":1193,"intents":[{"intent":"Request pre-assessment","confidence_score":0.014540589},{"intent":"Provide pre-assessment","confidence_score":0.002186594}]},{"text":"obviously check on how the soup is going. Yep.","start_word":1309,"end_word":1317,"intents":[{"intent":"Check situation","confidence_score":0.0102526555}]},{"text":"I've got a bit of direction there, Nathan. Anything else that you can think of?","start_word":1803,"end_word":1817,"intents":[{"intent":"Seek guidance on cost","confidence_score":0.000025349414}]},{"text":"Have you had any other significant changes since we last spoke to you that I need to kind of update on your file? Can't think so.","start_word":2145,"end_word":2170,"intents":[{"intent":"Update information","confidence_score":0.07383564}]},{"text":"first investment property is now, let's say, 700,000 to be conservative, Yep. and that one's owing $1.70 as well. Yes. Yep.","start_word":2410,"end_word":2430,"intents":[{"intent":"Clarify property values and budget","confidence_score":0.000008603533}]},{"text":"Is it still Easton Road, Stratford? Yes. Yep.","start_word":2564,"end_word":2571,"intents":[{"intent":"Confirm location","confidence_score":0.0065799705}]}]},"sentiments":{"segments":[{"text":"Hello, Nathan. This is England.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.0494777113199234},{"text":"Good day, Nathan.","start_word":5,"end_word":7,"sentiment":"positive","sentiment_score":0.3992045819759369},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers. Mate, how are you doing today?","start_word":8,"end_word":24,"sentiment":"neutral","sentiment_score":0.22466346621513367},{"text":"Good.","start_word":25,"end_word":25,"sentiment":"positive","sentiment_score":0.35966676473617554},{"text":"How are you?","start_word":26,"end_word":28,"sentiment":"neutral","sentiment_score":0.24799491465091705},{"text":"Man, living the dream. It's a beautiful, warm, sunny Friday.","start_word":29,"end_word":38,"sentiment":"positive","sentiment_score":0.6320333480834961},{"text":"Yep. Yeah. No. The sun is shining.","start_word":39,"end_word":45,"sentiment":"neutral","sentiment_score":0.2362872809171677},{"text":"It's quite nice for me. So Good to hear.","start_word":46,"end_word":54,"sentiment":"positive","sentiment_score":0.5590122938156128},{"text":"yeah. Mate, I'm just giving you a call to go through a bit of an insurance increase chat that you were looking for over Yes. the last little period after in the new year. Do you still have a bit of time for me? Yeah. Yeah. Sure. Yeah.","start_word":55,"end_word":102,"sentiment":"neutral","sentiment_score":0.04072083160281181},{"text":"Perfect.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.412285178899765},{"text":"Now I've got your your current policy up in front of me and Yeah. also the the last details that we took down. Do you mind Yep. if I just do the quick little security check with you? Yeah. That's fine. Yep. No worries. So I'm registered with Attic as adviser 1273105. Could you please confirm your date of birth and address? Sixteenth of the ninth nineteen seventy three, and address is Mhmm. 9 East Road, Strathdale, Victoria 355. Wonderful.","start_word":104,"end_word":183,"sentiment":"neutral","sentiment_score":0.06952600181102753},{"text":"Thank you for that.","start_word":184,"end_word":187,"sentiment":"positive","sentiment_score":0.5647426843643188},{"text":"Mate, did you want me to put in place any security question? You're just happy to go through the three No. No. point check. Yep. That's right. Yep. Go for it. So now one of the things I'm looking at is you originally were kind of thinking about increasing the life insurance a little bit, Yes. and I've got your your current I double f cover, which had a bit of a top up on it. It was Yep. about 56,000 plus another 45. So call it about a 100,000 flat of life and disability insurance. Does that ring a bell? Yep. That could be right. Yep. Yep. So there's been a bit of a top up a little while ago, and I'm having a look at the assets and liabilities that we have on-site. So we've got, like, a a home and a couple of investment properties being the main assets. Yes. Is that correct? Yes.","start_word":188,"end_word":344,"sentiment":"neutral","sentiment_score":0.033558443627634625},{"text":"Cool.","start_word":345,"end_word":345,"sentiment":"positive","sentiment_score":0.43118101358413696},{"text":"So I can see that the last time we checked, the loan on your main residence was quite low. It was about $30, but you've obviously got some loans on the investment properties as well. Yep. Now do you have any kind of initial thoughts on how much life insurance you're wanting to get a quote for or the main things you're wanting it to cover? Well, we've got we've got we've got four properties and we they took the debt totaling at 700 and I call it $800,000 on that four property. So I guess Yes. I wanna cover 500,000, something like that. Look. First, where we live, principal place resident, it's it's well, we don't have anything at the moment. It's all sitting in redraws. It's just the investment properties. We got some money. I'm not so Yep. Total debt of 800,000, maybe proxy. 500,000 for an amount. Yep. Just, yeah, just K. to give That's me a easy rough idea. now. What I trusted month or year or whatever. It's worth it. Yep. Yeah.","start_word":346,"end_word":522,"sentiment":"neutral","sentiment_score":0.043315183371305466},{"text":"Awesome.","start_word":523,"end_word":523,"sentiment":"positive","sentiment_score":0.4232413172721863},{"text":"And I'm assuming you want that just popped up within the super. Just a bit of an additional cover pay through the Yep. super. Yes.","start_word":524,"end_word":548,"sentiment":"neutral","sentiment_score":0.18006175756454468},{"text":"Fantastic.","start_word":549,"end_word":549,"sentiment":"positive","sentiment_score":0.5072129368782043},{"text":"So that'll get it the 15% rebate, and Yes. I'll do up a bit of a quote for about four hundred thousand of top up cover, Yep.","start_word":550,"end_word":576,"sentiment":"neutral","sentiment_score":0.2789362967014313},{"text":"and that'll kinda get you there.","start_word":577,"end_word":582,"sentiment":"positive","sentiment_score":0.35112786293029785},{"text":"Yes. Just double checking a couple of things for me. We've got so your September 1973. Correct? So about '52? Yep. Yep.","start_word":583,"end_word":604,"sentiment":"neutral","sentiment_score":0.048345740884542465},{"text":"Fantastic.","start_word":605,"end_word":605,"sentiment":"positive","sentiment_score":0.3913564682006836},{"text":"So that's one thing is, obviously, age impact premium. The only other thing was you're still nonsmoker status? Yep. Correct.","start_word":606,"end_word":625,"sentiment":"neutral","sentiment_score":0.06398730725049973},{"text":"Fantastic.","start_word":626,"end_word":626,"sentiment":"positive","sentiment_score":0.34440112113952637},{"text":"And I don't mean to get too personal, sir, but it does impact the premiums. Could I just get an updated height and weight for you so I can do a bit of a BMI calculator? Yeah. One seventy seven centimeters and Yep. a hundred and two kilos. Hundred and two kegs. Hundred and seventy seven. Because there's a few different one of the things that I usually check is if I link it through your TPD cover, it Yep. makes it about half the cost. Right. And that's Yep. why you've kind of got, like, that 100,000 of life insurance, 100,000 of total disability. So if Yep.","start_word":627,"end_word":734,"sentiment":"neutral","sentiment_score":0.12221540572742622},{"text":"you're okay with that, I can kind of do a bit of a I'll do a quote for just life insurance and Yes.","start_word":735,"end_word":757,"sentiment":"positive","sentiment_score":0.3812916576862335},{"text":"a quote for them linked together. Yes. Because K. I because I Now because at the moment yep. sorry. With me, the income at the moment, it seems like I'm working on my family farm. I get a draw a wage from that and I'm a remedial massage as well. That's roughly half Yep. and half. But I know there's a farming component that can blow it out a bit, I think. You know, sort of other income protection and all that sort of stuff. Yeah. Absolutely. I know Yeah. I think Nails is the only one that really excludes the second occupation, but it's gotta be under 10% of Yes. your workload. Yes. Alright. Would you say it actually is under 10%, or do you No. do a bit No. more than that like No. a No. No. It's more than that. Yeah. It's roughly half yep. and half. Yeah. Yeah. That's okay. So what I might do is I might just do a a quote up for standalone life insurance. I'll sort of check just in case. Yep. But, yeah, that occupation thing can mess with the TPD component. Other thing is, I was just going back through the file history Yes. just in case. Yep. It's not too much of an issue for life insurance, but you had obviously been on, I think, an income protection claim for the hand back in Yes. the Yep. day?","start_word":758,"end_word":996,"sentiment":"neutral","sentiment_score":-0.020288776399793738},{"text":"Cool.","start_word":997,"end_word":997,"sentiment":"positive","sentiment_score":0.4067372679710388},{"text":"Our new system's a little bit Five. Four or five? Five years. Yep. Yeah. Four to five years. And the only other thing I was gonna check with you is how's the old, like, cholesterol, blood Yeah. pressure, Yeah. all that Last kind of thing time going? I told my butt, they was falling. Yeah. Yep. I had Lots a butt. of fun. Last Are time you I on medication for it? No. Great. Alright.","start_word":998,"end_word":1072,"sentiment":"neutral","sentiment_score":0.0060842325910925865},{"text":"So I can pretty much, based on this information, do up a bit of a quote and and let you know what it's looking like for 400,000 with the life insurance.","start_word":1073,"end_word":1103,"sentiment":"positive","sentiment_score":0.34897199273109436},{"text":"Yes. I'll do the usual check, and we'll compare all the providers to see who will do the cheapest, and I'll also check it with the I double o s as well. Yes. Now the only thing is that everything's looking pretty okay on the underwriting front. Yep. If you wanna be a 100% certain on it, we can do a full pre assessment where the guys ask you all the health questions again, get all the details, and we shoot that off anonymously to the insurers. Would you Yep. like me to get that organized for you, or would you be happy just to look at a quote first I and will then just go look from there? at a quote first, and we'll see. Yeah. From there, I think. Yep. That's fine. Yep.","start_word":1104,"end_word":1238,"sentiment":"neutral","sentiment_score":0.16917391121387482},{"text":"And if that's looking pretty good, I think a bit of a pre assessment would be nice Yep.","start_word":1239,"end_word":1256,"sentiment":"positive","sentiment_score":0.33470892906188965},{"text":"just to save you from getting any knockback from applications Yep. or exclusions that you're not expecting. Yep. Yep. Okay. Wait. Okay. I can get that organized for you. Other than that, Nathan, you've got a bit of an annual review teed up towards the end of the year. Just Yep. obviously check on how the soup is going. Yep. Anything else you can think of that I can help you with No. today? No. I don't think so. So the world's doing what it's doing, so who knows what's gonna happen. So everything's Yeah. okay.","start_word":1257,"end_word":1352,"sentiment":"neutral","sentiment_score":0.03389947733376175},{"text":"That's Thank you.","start_word":1353,"end_word":1355,"sentiment":"positive","sentiment_score":0.5401735901832581},{"text":"true. Yeah. And things are kind of still moving along pretty well. It's not as catastrophic as it could have been or not Yep. yet at least. Yeah. So nothing It's too crazy. We'll see yep. how the next couple of months goes. Trying that. Yep. Outside of that, I mean, when we if we get a bit of an idea on this insurance quote, I usually put a bit of a flag on it if the premiums are more than 30% of your contributions in terms of price. Yes. Okay. Now I'll Yep. obviously, default to your opinion on what price is appropriate or too much or too expensive or Yep. okay, but I'll put a bit of a flag on it there as well because, again, we we can't have $5 coming Not. out of the Super Bowl all of a sudden, and then you start golf backwards. Yep. No. No. That's fine. Yep. Yeah. That Awesome. makes sense Can that I makes just double sense to check? me. You're drawing the wages from that business and then you're doing the remedial. Yes. Do you know if you get super contributions on both? I'm just struggling with No. the logins No. yet. I only I only I only only only my wife that contributes super extremely per Yep. And for the hour wages, I'm just trying to decipher the previous notes here. We had income at about 85,000, but meal. the agricultural work about 30. Correct. So is it contributions on just the 30 or Yes. Yes. let's see on 30 k. Wait. I'll go back through the the transaction history just to double check, and I'll work back a few figures from Yep. there. But that gives Yep.","start_word":1356,"end_word":1646,"sentiment":"neutral","sentiment_score":-0.013677635230123997},{"text":"me a pretty good idea.","start_word":1647,"end_word":1651,"sentiment":"positive","sentiment_score":0.7336252927780151},{"text":"So I think initially, they left the I, double o, f open. Just trying to think. There's something to do around the income protection or something like that. I can't remember. That's why I've got two different super funds running this. Yeah. And because That's right. Because it the previous claim on the income protection, if Yeah. we try It and was get gonna you another call one it out or do something. Yeah. Okay. yeah. And you're paying under a thousand dollars for all that cover income Yep. protection and a $100 of life and TPD, so that's not too bad. Yep. I think a replacement policy probably would have been up with the 3 or $4. So hopefully, Right. a bit of life insurance isn't too much. Yep. Okay. Yep. Cool. Yep.","start_word":1652,"end_word":1785,"sentiment":"neutral","sentiment_score":0.04186396673321724},{"text":"Very good.","start_word":1786,"end_word":1787,"sentiment":"positive","sentiment_score":0.5499610900878906},{"text":"Alright. So no trauma. Income protection is there. Life and TPD, the $100.","start_word":1788,"end_word":1800,"sentiment":"neutral","sentiment_score":0.14430437982082367},{"text":"Cool.","start_word":1801,"end_word":1801,"sentiment":"positive","sentiment_score":0.3619534373283386},{"text":"Alright. I've got a bit of direction there, Nathan. Anything else that you can think of? No. No. I think that's it. The main thing is, yeah, just get an idea roughly. I don't know. Yeah. What whatever you think the different whether it's, like, an extra 400, an extra, like, 600? I don't know. Would there be much difference between the two amounts to lock protection cover? Like, if it's 400, that'll pay out, say, 500 of the debt, which just sell one of the properties that wouldn't be made. But my thing is the house is covered Mhmm. in where it works from, so it should be under that. Yeah. Well, 4 to 600,000 probably would actually give a bit of a decent jump up in the price. If we're hitting an affordability issue where it jumps up quite a Yep. bit, do Yep. you want me to just kind of work it back until it's affordable, whether it's 300, 200, 100 Yeah. thousand? Yeah. Yeah. If if I yeah. Safety I I don't know how how it works. But if you get to say, I don't know, $3.05 7 or whatever works out as, like, cover, Just and they might know what the differences are and the amounts and things like that. Just so just so I've got clear in my head. So Yeah.","start_word":1802,"end_word":2028,"sentiment":"neutral","sentiment_score":-0.004961566572869402},{"text":"Absolutely.","start_word":2029,"end_word":2029,"sentiment":"positive","sentiment_score":0.43943843245506287},{"text":"I'll pretty much go for I'll even do one of 600 so you can see. yep. 400, and then I'll work my way back from there, and then I'll pretty much just send you with whoever's the most affordable. I'll send you the range of quotes for all three.","start_word":2030,"end_word":2078,"sentiment":"neutral","sentiment_score":0.24375347793102264},{"text":"Yep. Beautiful. Yep.","start_word":2079,"end_word":2081,"sentiment":"positive","sentiment_score":0.4143640398979187},{"text":"I double Yep. f and alternative, and I'll shoot that through. Once we get a bit of an idea of what you're happy with, we can put it in an updated advice document. But for now, I'll just kind of send some preliminary quotes so you've got an idea. Yep. Yep.","start_word":2082,"end_word":2132,"sentiment":"neutral","sentiment_score":0.22213353216648105},{"text":"Fantastic. Alright. Mate, thank you very much for taking the time today.","start_word":2133,"end_word":2144,"sentiment":"positive","sentiment_score":0.5800796747207642},{"text":"Have you had any other significant changes since we last spoke to you that I need to kind of update on your file? Can't think so. No. Well, we no. No. Someone spoke Can to I someone. just yeah? It was Jacob there originally who had this inquiry around the life insurance. Can I Yeah. just double check the properties with you for a minute before Yeah. Yeah. I let you go? I reckon we sold the property since that's what it is. Like, taken on yet. Yeah. So I had three listed. Your main residence, Correct. which you've got no debt on now because of the redraw, and Yep. then two investment properties. One valued at $4.50 with 170 owing and one valued at $5.70 with about $5.50 out. Alright. So our own house, yep, it has it's all in sitting in. They at work, which is the $1.70, it it'd be worth more than that. Yeah. I reckon that'd be close to 7 or 800,000. It's moved. Yep. And we've got two units in now. So one will be $5.70, roughly. I don't think they've moved that much. Probably a bit more, but we'll just Yep. say $5.70. And there's a 170 on on that one. And then I've got another one. Paid $3.80 for each, but I've paid I've got 04:20 a. M. That's the reason. Obviously, trust collateral is in here. So again, that one borrowed the whole amount. Yeah. So let me just quickly double check what you were Yeah. saying. So You're right. main residence is 0. The Yep. first investment property is now, let's say, 700,000 to be conservative, Yep. and that one's owing $1.70 as well. Yes. Yep. The $1.70 on that one valued at 700, and then we've Yep. got two units. Yep. First one is valued at $5.70, Yeah. and that one's got $1.70 oing on that around Yeah. about. And then the second unit, 38420. Yep. Yep.","start_word":2145,"end_word":2472,"sentiment":"neutral","sentiment_score":0.01294769492091202},{"text":"Perfect.","start_word":2473,"end_word":2473,"sentiment":"positive","sentiment_score":0.48582592606544495},{"text":"And that's a unit number one. So we've got two houses, two units, and then just like you said, four, five, six, seven. Yeah. About 800 Yeah. thousand in debt total. Yep. And what you're thinking is, you know, 500 will be good. 5 or 600 will be good. That way, it covers most of the debt. And then at most, you sell one property if you need to. Yep.","start_word":2474,"end_word":2543,"sentiment":"neutral","sentiment_score":0.12393803149461746},{"text":"Fantastic.","start_word":2544,"end_word":2544,"sentiment":"positive","sentiment_score":0.5680669546127319},{"text":"And then for the main residence, I'll just do the old quick check online because that's oh, hang on. Is it still Easton Road, Stratford? Yes. Yep. That's it.","start_word":2545,"end_word":2573,"sentiment":"neutral","sentiment_score":0.0959845334291458},{"text":"Perfect.","start_word":2574,"end_word":2574,"sentiment":"positive","sentiment_score":0.41917893290519714},{"text":"Just gonna quickly check that online. East Road. Oh, hang on a sec. We've got a couple of suburbs popping up here. Let me double check. That's Strathdell, Victoria. Yep. Would you say it's still around about the 900,000 month or that one would have jumped up as well? I would jump out. Oh, I reckon it would be closer to me in there. Just who I think are in in the other month. But yeah. 9 Yeah. 100 We've got conservatively. yeah. It pretty much says between $9.22 and 1 point o 4. Yeah. There's a lot Cool. of houses Alrighty. that are considered similar or a million or a touch more than they have. Like, there's three bedroom, two bathroom, which is four bedroom, two bathroom, and similar sized blocks and all that sort of stuff. So yeah. $9.09 50 or something. You'd always in a way, sorry. In in my opinion, but, you Yep. know, do have an emotional attachment when it's your own house. Right? Everyone thinks their It's house is true. a bit better True. than what it is.","start_word":2575,"end_word":2758,"sentiment":"neutral","sentiment_score":0.03288910744468803},{"text":"That's cool, though.","start_word":2759,"end_word":2761,"sentiment":"positive","sentiment_score":0.4307515621185303},{"text":"I mean, whether it's $9.20, $9.50, we're pretty close to the mark there either way. Yeah. Yep. Alrighty. Cool. Now what I'll do, Nathan, is I'll Yeah. I'll actually get these emails through to you hopefully next Yeah. week. I That's just need to see how long I double f fine. takes for an alteration increase quote. K. And once I get them through to you, the team will probably just give you a buzz just to reach out for an updated chat with me. Yep. But if you wanna respond to that email, if you did if that was a clear Okay. decision Yep. for you, I Yep. can then fill out that updated document prior. Yep.","start_word":2762,"end_word":2879,"sentiment":"neutral","sentiment_score":0.09499653428792952},{"text":"It seems good.","start_word":2880,"end_word":2882,"sentiment":"positive","sentiment_score":0.4843291640281677},{"text":"Alright. Alright. Any other last questions for me before I let you go for your weekend? No. I think that's it.","start_word":2883,"end_word":2903,"sentiment":"neutral","sentiment_score":0.08040500432252884},{"text":"Alright, Nathan. I really appreciate you taking the time today. I think It's good we've on got you. all the ideas noted down.","start_word":2904,"end_word":2926,"sentiment":"positive","sentiment_score":0.5343416929244995},{"text":"Yep. And if you need anything else in between, mate, just please give us a call or a text, No worries. and we'll Yep.","start_word":2927,"end_word":2950,"sentiment":"neutral","sentiment_score":0.13338424265384674},{"text":"be reaching Sounds good. out hopefully next week. Alright. I'll wait to hear from you. Alright. Have a good weekend, man. Okay. You too. Thank you. Thank you. Bye. Stay up.","start_word":2951,"end_word":2981,"sentiment":"positive","sentiment_score":0.4839438796043396}],"average":{"sentiment":"neutral","sentiment_score":0.07962182186712846}}}}