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Is now still gonna be a good time there for you? Beautiful. Before we jump into the call, I do have to let you know, would you record our calls for quality and training purposes? Are you happy for me to proceed with that? Fantastic. And I'm discussing your personal information. So I just need to do a quick security check. I'll get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. And your address. You're fine. Honestly, it's absolutely okay. Yeah. Just your address as well, please, Brad. Beautiful. Thank you so much for that. I'm firstly, I do wanna apologize for the time it's taken to get this through. Encompass has taken a very long time to assess this, and we had provided them with everything we had upfront. And it's honestly not I'm not happy with the time it's taken. And I know Jack's been trying to sort of push it along for you, and then the time frame has been unacceptable. So I do wanna apologize for that. It's by no means preferable. Jack's obviously helping me to try and get Encompass to assess everything as quickly as possible, but they just I don't know. They're just taking a desperate time. Yeah. So they have come back with an answer. I'm not a 100% happy with the answer because, obviously, before we did the advice, we preassessed everything with them. So they actually knew what they were getting into and had said that they would come back and offer life and TBD. With after the assessment, the underwriters come back offering life. They've declined TPD on the basis of family history of polycystic kidney disease, but they knew about the family history, and we had provided that originally with the pre assessment. So the fact that we've given them all that information and they've taken six months to assess that's really just not okay. The life, accepting life as it is, there is a 75% loading on the life for the risk of polycystic kidney disease, which means that you still can claim on the life cover in the event of, you know, passing away due to the the p c k d. But with the TBD decline, I'm not a 100% happy. So I have gone back and fought that decision for you. I have not had a reply from that. I've also spoken to our head of advice, and she's giving me some information of their senior underwriter so I can go back and fight that a little bit more for you. But I wanted to come back and just let, like, let you know that I am fighting it. I'm not happy with the decision they've made, and I did wanna sort of push it a bit further for you. Yeah. No. Correct. It's the family history side of it, and the it's because of the ultrasound. So with the ultrasound, they had noted the cysts on on the kidneys, and that was kind of where that's come from. And then I'm trying to find out from them if they because they requested medical history reports as well from your doctor. Trying to work out if there's anything else that's come back as a result of that. The only answer I was able to get was that we always decline PPD or disability cover under a family history of polycystic kidney disease, but you don't have it. So I'm not happy that they've done the underwriting correctly. I'm not happy with the answer there, and I'm fighting for you on that one because I do believe that we as we preassessed prior, that, realistically, I don't think they've done everything can. And I feel like, you know, even if they offer a loading, at least they're offering a bit of cover, which is important. We're not asking for a lot. We're only asking for a little bit of cover from them. So I do wanna, yeah, so I do wanna fight a bit harder for you. Are you okay with me doing that? I know it means we don't get cover put in force just as yet, and that would make the process a little bit longer. But are you still happy for me to keep fighting for you and see if I can push this through? Yep. Yep. Absolutely. Absolutely. Oh, I've had them. Absolutely. Yeah. Yeah. You don't have? Yeah. Yeah. I will. I will for you. I promise. No. Thank you so much for that. I will Jack and I will keep you updated. I will fight this through a bit harder, and I'll get Jack to give you an update in maybe a week or two to see where we're going. I know some of the updates are just that we don't have information yet, but we'll see what we can do. There is always the risk that they may come back and say there's something else in the doctor's report that decline it, but, look, I'm willing to take that risk because I'm fighting to try and get you something. And, look, as I said, we pre assessed this before we provided the advice. So, you know, we make reasonable inquiries to base our advice on, and if they come back afterwards and go, well, no. We're not actually, you know, doing that or that's incorrect, then fighting it is the best way forward. So I'll keep I'll keep you updated. Okay? All good. I'm so sorry about the length of time. Is there any questions or anything you might have for me at the moment? Yeah. Absolutely. All good. Fantastic. Yeah. Insurance companies. Yeah. Insurance companies. Their job is to try and get you the least amount of cover or, you know, cover themselves in the event of a risk. My job is to try and get you the most amount of cover and to, you know, show them how we minimize that risk. So yeah. Yep. All good. I'll let you know how we go either way. There is obviously a risk that I that they may still come back as a decline, and I'll try and find out why, but I do wanna fight it to see if I can push it through based on everything we've provided to them previously. Okay? We we can. Yeah. We can. In saying that insurances are the be all and end all. So whilst, you know, if they come back and give me a a good reason as to why they're declining the TBD and they don't won't offer it, I can look at other options or other insurers to see if they're willing to. We can, you know, get you to sign something to have your medical records released to other insurers to see what they're going to offer. The other side of it the other thing we can do to kinda limit the risk is to look at investing outside of super. So building wealth and saving money and maybe building a bit of a nest egg for you. So in the event that you can't work or in the event that something happens, instead of claiming on insurances, you have money that you can draw down to back you up as well. So there is other things that we can do, but it also comes down to what you're comfortable with. Having insurances because they're paid out of super does provide you with that that level of risk mitigation much easier because you don't have to, you know, have money coming out of your back pocket or missing income. It's also the debt with inside super, and you have that cover in the back end. But for other clients who aren't able to get cover, I do talk about building investment accounts or putting money away in a savings account and saving, you know, six months worth of living expenses or one year's worth of income aside and having that as a backup to help mitigate or reduce the risk even further. So there are other things that I can help you do. Yeah. Yeah. Yeah. Yeah. Absolutely. Yep. Absolutely. I can absolutely help you. Yeah. Oh, fantastic. That's a great great way to start. Yeah. Yep. Yes. Yep. Yes. Abs yeah. Absolutely. Most definitely. Yeah. I'll put that down as another goal that you've got there. We can most definitely when you're ready, let me know when you're it's comfortable for you, and we can certainly have that conversation, look at what your goals are, what you've got available to you, you know, whether we can build investment accounts very similar to your suit, but we have access to investment structures, which can be, you know, tax advantaged for you as well. So we can kinda go through all those options and look at what's available, what you've got, what your goals are, and and build a plan around that for you. Absolutely. Very excited. Yeah. Fantastic. Absolutely. Most definitely. And, look, you're it's you're never too old to start doing it. It's never too late. Starting at any point is better than not starting at all, so that is fantastic. You're doing the right thing. Yeah. Yeah. All good. Well, thank you so much for your time today. You have a good day, and do not work too hard. I will go back to, Encompass, and we'll keep fighting this for you. And I'll let you know the outcome, and then we'll see where we go from there. Okay? My pleasure. You have a lovely day. Let me know if there's anything else that comes up at any point in time. Okay? Thanks so much, Brad. Talk to you soon. See you later. 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Brad. It's Dana again. Is now a better time for you? You're absolutely fine. Honestly, it's all good.\n\nI had to book in for a really quick catch up this morning. Is now still gonna be a good time there for you? Beautiful. Before we jump into the call, I do have to let you know, would you record our calls for quality and training purposes? Are you happy for me to proceed with that?\n\nFantastic. And I'm discussing your personal information. So I just need to do a quick security check. I'll get you to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nYep. And your address. You're fine. Honestly, it's absolutely okay. Yeah.\n\nJust your address as well, please, Brad. Beautiful. Thank you so much for that. I'm firstly, I do wanna apologize for the time it's taken to get this through. Encompass has taken a very long time to assess this, and we had provided them with everything we had upfront.\n\nAnd it's honestly not I'm not happy with the time it's taken. And I know Jack's been trying to sort of push it along for you, and then the time frame has been unacceptable. So I do wanna apologize for that. It's by no means preferable. Jack's obviously helping me to try and get Encompass to assess everything as quickly as possible, but they just I don't know.\n\nThey're just taking a desperate time. Yeah. So they have come back with an answer. I'm not a 100% happy with the answer because, obviously, before we did the advice, we preassessed everything with them. So they actually knew what they were getting into and had said that they would come back and offer life and TBD.\n\nWith after the assessment, the underwriters come back offering life. They've declined TPD on the basis of family history of polycystic kidney disease, but they knew about the family history, and we had provided that originally with the pre assessment. So the fact that we've given them all that information and they've taken six months to assess that's really just not okay. The life, accepting life as it is, there is a 75% loading on the life for the risk of polycystic kidney disease, which means that you still can claim on the life cover in the event of, you know, passing away due to the the p c k d. But with the TBD decline, I'm not a 100% happy.\n\nSo I have gone back and fought that decision for you. I have not had a reply from that. I've also spoken to our head of advice, and she's giving me some information of their senior underwriter so I can go back and fight that a little bit more for you. But I wanted to come back and just let, like, let you know that I am fighting it. I'm not happy with the decision they've made, and I did wanna sort of push it a bit further for you.\n\nYeah. No. Correct. It's the family history side of it, and the it's because of the ultrasound. So with the ultrasound, they had noted the cysts on on the kidneys, and that was kind of where that's come from.\n\nAnd then I'm trying to find out from them if they because they requested medical history reports as well from your doctor. Trying to work out if there's anything else that's come back as a result of that. The only answer I was able to get was that we always decline PPD or disability cover under a family history of polycystic kidney disease, but you don't have it. So I'm not happy that they've done the underwriting correctly. I'm not happy with the answer there, and I'm fighting for you on that one because I do believe that we as we preassessed prior, that, realistically, I don't think they've done everything can.\n\nAnd I feel like, you know, even if they offer a loading, at least they're offering a bit of cover, which is important. We're not asking for a lot. We're only asking for a little bit of cover from them. So I do wanna, yeah, so I do wanna fight a bit harder for you. Are you okay with me doing that?\n\nI know it means we don't get cover put in force just as yet, and that would make the process a little bit longer. But are you still happy for me to keep fighting for you and see if I can push this through? Yep. Yep. Absolutely.\n\nAbsolutely. Oh, I've had them. Absolutely. Yeah. Yeah.\n\nYou don't have? Yeah. Yeah. I will. I will for you.\n\nI promise. No. Thank you so much for that. I will Jack and I will keep you updated. I will fight this through a bit harder, and I'll get Jack to give you an update in maybe a week or two to see where we're going.\n\nI know some of the updates are just that we don't have information yet, but we'll see what we can do. There is always the risk that they may come back and say there's something else in the doctor's report that decline it, but, look, I'm willing to take that risk because I'm fighting to try and get you something. And, look, as I said, we pre assessed this before we provided the advice. So, you know, we make reasonable inquiries to base our advice on, and if they come back afterwards and go, well, no. We're not actually, you know, doing that or that's incorrect, then fighting it is the best way forward.\n\nSo I'll keep I'll keep you updated. Okay? All good. I'm so sorry about the length of time. Is there any questions or anything you might have for me at the moment?\n\nYeah. Absolutely. All good. Fantastic. Yeah.\n\nInsurance companies. Yeah. Insurance companies. Their job is to try and get you the least amount of cover or, you know, cover themselves in the event of a risk. My job is to try and get you the most amount of cover and to, you know, show them how we minimize that risk.\n\nSo yeah. Yep. All good. I'll let you know how we go either way. There is obviously a risk that I that they may still come back as a decline, and I'll try and find out why, but I do wanna fight it to see if I can push it through based on everything we've provided to them previously.\n\nOkay? We we can. Yeah. We can. In saying that insurances are the be all and end all.\n\nSo whilst, you know, if they come back and give me a a good reason as to why they're declining the TBD and they don't won't offer it, I can look at other options or other insurers to see if they're willing to. We can, you know, get you to sign something to have your medical records released to other insurers to see what they're going to offer. The other side of it the other thing we can do to kinda limit the risk is to look at investing outside of super. So building wealth and saving money and maybe building a bit of a nest egg for you. So in the event that you can't work or in the event that something happens, instead of claiming on insurances, you have money that you can draw down to back you up as well.\n\nSo there is other things that we can do, but it also comes down to what you're comfortable with. Having insurances because they're paid out of super does provide you with that that level of risk mitigation much easier because you don't have to, you know, have money coming out of your back pocket or missing income. It's also the debt with inside super, and you have that cover in the back end. But for other clients who aren't able to get cover, I do talk about building investment accounts or putting money away in a savings account and saving, you know, six months worth of living expenses or one year's worth of income aside and having that as a backup to help mitigate or reduce the risk even further. So there are other things that I can help you do.\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nYep. Absolutely. I can absolutely help you. Yeah. Oh, fantastic.\n\nThat's a great great way to start. Yeah. Yep. Yes. Yep.\n\nYes. Abs yeah. Absolutely. Most definitely. Yeah.\n\nI'll put that down as another goal that you've got there. We can most definitely when you're ready, let me know when you're it's comfortable for you, and we can certainly have that conversation, look at what your goals are, what you've got available to you, you know, whether we can build investment accounts very similar to your suit, but we have access to investment structures, which can be, you know, tax advantaged for you as well. So we can kinda go through all those options and look at what's available, what you've got, what your goals are, and and build a plan around that for you. Absolutely. Very excited.\n\nYeah. Fantastic. Absolutely. Most definitely. And, look, you're it's you're never too old to start doing it.\n\nIt's never too late. Starting at any point is better than not starting at all, so that is fantastic. You're doing the right thing. Yeah. Yeah.\n\nAll good. Well, thank you so much for your time today. You have a good day, and do not work too hard. I will go back to, Encompass, and we'll keep fighting this for you. And I'll let you know the outcome, and then we'll see where we go from there.\n\nOkay? My pleasure. You have a lovely day. Let me know if there's anything else that comes up at any point in time. Okay?\n\nThanks so much, Brad. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Brad.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.05857725627720356},{"text":"It's Dana again.","start":3.28,"end":4.24,"sentiment":"neutral","sentiment_score":0.1444536621371905},{"text":"Is now a better time for you?","start":4.24,"end":6.18,"sentiment":"neutral","sentiment_score":0.18881555753094809},{"text":"You're absolutely fine.","start":10.48,"end":12.0,"sentiment":"positive","sentiment_score":0.5182380278905233},{"text":"Honestly, it's all good.","start":12.0,"end":13.78,"sentiment":"positive","sentiment_score":0.6861640214920044}],"sentiment":"neutral","sentiment_score":0.32482076691169487,"num_words":19,"start":2.72,"end":13.78},{"sentences":[{"text":"I had to book in for a really quick catch up this morning.","start":14.355,"end":16.675,"sentiment":"positive","sentiment_score":0.4708781036046835},{"text":"Is now still gonna be a good time there for you?","start":16.675,"end":19.015,"sentiment":"positive","sentiment_score":0.35941631956533954},{"text":"Beautiful.","start":20.675,"end":21.175,"sentiment":"positive","sentiment_score":0.3465649485588074},{"text":"Before we jump into the call, I do have to let you know, would you record our calls for quality and training purposes?","start":21.475,"end":25.795,"sentiment":"neutral","sentiment_score":0.10299825085246045},{"text":"Are you happy for me to proceed with that?","start":25.795,"end":27.895,"sentiment":"neutral","sentiment_score":0.12379742496543461}],"sentiment":"neutral","sentiment_score":0.24394204219182333,"num_words":57,"start":14.355,"end":27.895},{"sentences":[{"text":"Fantastic.","start":29.19,"end":29.67,"sentiment":"positive","sentiment_score":0.4569596648216248},{"text":"And I'm discussing your personal information.","start":29.67,"end":31.59,"sentiment":"neutral","sentiment_score":0.18963753432035446},{"text":"So I just need to do a quick security check.","start":31.59,"end":33.91,"sentiment":"neutral","sentiment_score":0.15841754376888276},{"text":"I'll get you to confirm your full name, your date of birth, and address I should have on file.","start":33.91,"end":37.69,"sentiment":"neutral","sentiment_score":0.12474244087934494},{"text":"Yep.","start":44.245003,"end":44.745003,"sentiment":"neutral","sentiment_score":0.031337521970272064}],"sentiment":"neutral","sentiment_score":0.15082173532730825,"num_words":37,"start":29.19,"end":44.745003},{"sentences":[{"text":"Yep.","start":48.725002,"end":49.225002,"sentiment":"neutral","sentiment_score":0.024472560733556747},{"text":"And your address.","start":49.525,"end":50.505,"sentiment":"neutral","sentiment_score":0.017264148220419884},{"text":"You're fine.","start":56.02,"end":57.0,"sentiment":"neutral","sentiment_score":0.03180503286421299},{"text":"Honestly, it's absolutely okay.","start":57.06,"end":58.84,"sentiment":"neutral","sentiment_score":0.1541622057557106},{"text":"Yeah.","start":59.06,"end":59.3,"sentiment":"neutral","sentiment_score":0.03863498568534851}],"sentiment":"neutral","sentiment_score":0.07228717089376667,"num_words":11,"start":48.725002,"end":59.3},{"sentences":[{"text":"Just your address as well, please, Brad.","start":59.3,"end":61.08,"sentiment":"neutral","sentiment_score":0.029308022132941654},{"text":"Beautiful.","start":64.435005,"end":64.915,"sentiment":"neutral","sentiment_score":0.20270204544067383},{"text":"Thank you so much for that.","start":64.915,"end":66.455,"sentiment":"neutral","sentiment_score":0.21808307617902756},{"text":"I'm firstly, I do wanna apologize for the time it's taken to get this through.","start":66.595,"end":70.83501,"sentiment":"neutral","sentiment_score":-0.2336140642563502},{"text":"Encompass has taken a very long time to assess this, and we had provided them with everything we had upfront.","start":70.83501,"end":76.375,"sentiment":"neutral","sentiment_score":-0.24199239239096643}],"sentiment":"neutral","sentiment_score":-0.13525922763712553,"num_words":49,"start":59.3,"end":76.375},{"sentences":[{"text":"And it's honestly not I'm not happy with the time it's taken.","start":76.435005,"end":79.85,"sentiment":"negative","sentiment_score":-0.48569738616545993},{"text":"And I know Jack's been trying to sort of push it along for you, and then the time frame has been unacceptable.","start":79.85,"end":85.13,"sentiment":"negative","sentiment_score":-0.392430993643674},{"text":"So I do wanna apologize for that.","start":85.13,"end":86.81,"sentiment":"neutral","sentiment_score":-0.32736341442380634},{"text":"It's by no means preferable.","start":86.81,"end":88.59,"sentiment":"negative","sentiment_score":-0.3688462972640991},{"text":"Jack's obviously helping me to try and get Encompass to assess everything as quickly as possible, but they just I don't know.","start":89.29,"end":96.395004,"sentiment":"neutral","sentiment_score":-0.2206268933686343}],"sentiment":"negative","sentiment_score":-0.34487378728740353,"num_words":68,"start":76.435005,"end":96.395004},{"sentences":[{"text":"They're just taking a desperate time.","start":96.395004,"end":98.495,"sentiment":"negative","sentiment_score":-0.35316582148273784},{"text":"Yeah.","start":99.995,"end":100.495,"sentiment":"neutral","sentiment_score":-0.04190583899617195},{"text":"So they have come back with an answer.","start":101.595,"end":103.775,"sentiment":"neutral","sentiment_score":-0.16159233450889587},{"text":"I'm not a 100% happy with the answer because, obviously, before we did the advice, we preassessed everything with them.","start":103.91,"end":110.15,"sentiment":"neutral","sentiment_score":-0.24581694975495338},{"text":"So they actually knew what they were getting into and had said that they would come back and offer life and TBD.","start":110.15,"end":115.21,"sentiment":"neutral","sentiment_score":-0.05803812125867063}],"sentiment":"neutral","sentiment_score":-0.1692424053816419,"num_words":57,"start":96.395004,"end":115.21},{"sentences":[{"text":"With after the assessment, the underwriters come back offering life.","start":117.045,"end":121.225,"sentiment":"neutral","sentiment_score":-0.15569656118750572},{"text":"They've declined TPD on the basis of family history of polycystic kidney disease, but they knew about the family history, and we had provided that originally with the pre assessment.","start":121.765,"end":133.26,"sentiment":"negative","sentiment_score":-0.33618512252966565},{"text":"So the fact that we've given them all that information and they've taken six months to assess that's really just not okay.","start":133.31999,"end":139.5,"sentiment":"negative","sentiment_score":-0.5616084689443762},{"text":"The life, accepting life as it is, there is a 75% loading on the life for the risk of polycystic kidney disease, which means that you still can claim on the life cover in the event of, you know, passing away due to the the p c k d.","start":140.84,"end":158.73,"sentiment":"neutral","sentiment_score":-0.02586582553934078},{"text":"But with the TBD decline, I'm not a 100% happy.","start":159.67,"end":162.47,"sentiment":"negative","sentiment_score":-0.5568241477012634}],"sentiment":"neutral","sentiment_score":-0.254822913495716,"num_words":121,"start":117.045,"end":162.47},{"sentences":[{"text":"So I have gone back and fought that decision for you.","start":162.47,"end":165.83,"sentiment":"negative","sentiment_score":-0.5199779732660814},{"text":"I have not had a reply from that.","start":165.83,"end":167.93,"sentiment":"negative","sentiment_score":-0.5169534161686897},{"text":"I've also spoken to our head of advice, and she's giving me some information of their senior underwriter so I can go back and fight that a little bit more for you.","start":168.79,"end":176.045,"sentiment":"neutral","sentiment_score":-0.07248046103632078},{"text":"But I wanted to come back and just let, like, let you know that I am fighting it.","start":176.045,"end":180.125,"sentiment":"neutral","sentiment_score":-0.10304546977082889},{"text":"I'm not happy with the decision they've made, and I did wanna sort of push it a bit further for you.","start":180.125,"end":185.98499,"sentiment":"neutral","sentiment_score":-0.29472306228819345}],"sentiment":"neutral","sentiment_score":-0.22465291724850733,"num_words":90,"start":162.47,"end":185.98499},{"sentences":[{"text":"Yeah.","start":187.05,"end":187.55,"sentiment":"neutral","sentiment_score":-0.05505717918276787},{"text":"No.","start":194.25,"end":194.65001,"sentiment":"neutral","sentiment_score":-0.0994790494441986},{"text":"Correct.","start":194.65001,"end":195.05,"sentiment":"neutral","sentiment_score":-0.07282519340515137},{"text":"It's the family history side of it, and the it's because of the ultrasound.","start":195.05,"end":199.79001,"sentiment":"neutral","sentiment_score":-0.09217591157981328},{"text":"So with the ultrasound, they had noted the cysts on on the kidneys, and that was kind of where that's come from.","start":199.93001,"end":207.255,"sentiment":"neutral","sentiment_score":-0.1304680701683868}],"sentiment":"neutral","sentiment_score":-0.1125159417398465,"num_words":39,"start":187.05,"end":207.255},{"sentences":[{"text":"And then I'm trying to find out from them if they because they requested medical history reports as well from your doctor.","start":207.255,"end":213.515,"sentiment":"neutral","sentiment_score":-0.05345579897138206},{"text":"Trying to work out if there's anything else that's come back as a result of that.","start":213.575,"end":217.595,"sentiment":"neutral","sentiment_score":-0.17623943090438843},{"text":"The only answer I was able to get was that we always decline PPD or disability cover under a family history of polycystic kidney disease, but you don't have it.","start":217.78,"end":228.58,"sentiment":"neutral","sentiment_score":-0.13742327491442363},{"text":"So I'm not happy that they've done the underwriting correctly.","start":228.58,"end":232.995,"sentiment":"negative","sentiment_score":-0.4567197324126028},{"text":"I'm not happy with the answer there, and I'm fighting for you on that one because I do believe that we as we preassessed prior, that, realistically, I don't think they've done everything can.","start":232.995,"end":243.01,"sentiment":"negative","sentiment_score":-0.3953266770524137}],"sentiment":"neutral","sentiment_score":-0.233275545206977,"num_words":112,"start":207.255,"end":243.01},{"sentences":[{"text":"And I feel like, you know, even if they offer a loading, at least they're offering a bit of cover, which is important.","start":243.01,"end":248.45,"sentiment":"neutral","sentiment_score":-0.22544558281483856},{"text":"We're not asking for a lot.","start":248.45,"end":249.49,"sentiment":"neutral","sentiment_score":-0.2514417717854182},{"text":"We're only asking for a little bit of cover from them.","start":249.49,"end":252.07,"sentiment":"neutral","sentiment_score":-0.18031233887780795},{"text":"So I do wanna, yeah, so I do wanna fight a bit harder for you.","start":253.25,"end":257.845,"sentiment":"neutral","sentiment_score":0.06484220574299494},{"text":"Are you okay with me doing that?","start":258.065,"end":259.825,"sentiment":"neutral","sentiment_score":0.0743458845785686}],"sentiment":"neutral","sentiment_score":-0.11587549169217387,"num_words":62,"start":243.01,"end":259.825},{"sentences":[{"text":"I know it means we don't get cover put in force just as yet, and that would make the process a little bit longer.","start":259.825,"end":265.445,"sentiment":"neutral","sentiment_score":-0.16501519394417605},{"text":"But are you still happy for me to keep fighting for you and see if I can push this through?","start":266.225,"end":270.245,"sentiment":"neutral","sentiment_score":0.0981017854064703},{"text":"Yep.","start":273.12997,"end":273.62997,"sentiment":"neutral","sentiment_score":-0.006928223185241222},{"text":"Yep.","start":274.16998,"end":274.66998,"sentiment":"neutral","sentiment_score":-0.04524760693311691},{"text":"Absolutely.","start":276.88998,"end":277.38998,"sentiment":"neutral","sentiment_score":0.14316175878047943}],"sentiment":"neutral","sentiment_score":-0.040581766337631865,"num_words":47,"start":259.825,"end":277.38998},{"sentences":[{"text":"Absolutely.","start":278.00998,"end":278.50998,"sentiment":"neutral","sentiment_score":0.056704819202423096},{"text":"Oh, I've had them.","start":282.825,"end":284.025,"sentiment":"neutral","sentiment_score":-0.05166759621351957},{"text":"Absolutely.","start":284.025,"end":284.525,"sentiment":"neutral","sentiment_score":0.002921787090599537},{"text":"Yeah.","start":285.465,"end":285.965,"sentiment":"neutral","sentiment_score":-0.028675351291894913},{"text":"Yeah.","start":288.745,"end":289.245,"sentiment":"neutral","sentiment_score":-0.07203942537307739}],"sentiment":"neutral","sentiment_score":-0.030969819403253496,"num_words":8,"start":278.00998,"end":289.245},{"sentences":[{"text":"You don't have?","start":293.385,"end":294.36,"sentiment":"neutral","sentiment_score":-0.13709528744220734},{"text":"Yeah.","start":296.19998,"end":296.69998,"sentiment":"neutral","sentiment_score":-0.026338797062635425},{"text":"Yeah.","start":296.84,"end":297.34,"sentiment":"neutral","sentiment_score":-0.015139300376176834},{"text":"I will.","start":301.08,"end":301.63998,"sentiment":"neutral","sentiment_score":0.18184971064329147},{"text":"I will for you.","start":301.63998,"end":302.59998,"sentiment":"neutral","sentiment_score":0.2477448433637619}],"sentiment":"neutral","sentiment_score":0.08199225772510875,"num_words":11,"start":293.385,"end":302.59998},{"sentences":[{"text":"I promise.","start":302.59998,"end":303.25998,"sentiment":"neutral","sentiment_score":0.18479492515325546},{"text":"No.","start":303.56,"end":303.8,"sentiment":"neutral","sentiment_score":0.08477282524108887},{"text":"Thank you so much for that.","start":303.8,"end":305.24,"sentiment":"positive","sentiment_score":0.4836824635664622},{"text":"I will Jack and I will keep you updated.","start":305.24,"end":307.615,"sentiment":"positive","sentiment_score":0.3827092680666182},{"text":"I will fight this through a bit harder, and I'll get Jack to give you an update in maybe a week or two to see where we're going.","start":307.995,"end":314.015,"sentiment":"neutral","sentiment_score":0.20197524768965586}],"sentiment":"neutral","sentiment_score":0.2707858218447022,"num_words":46,"start":302.59998,"end":314.015},{"sentences":[{"text":"I know some of the updates are just that we don't have information yet, but we'll see what we can do.","start":314.395,"end":318.73502,"sentiment":"neutral","sentiment_score":-0.023632493668368885},{"text":"There is always the risk that they may come back and say there's something else in the doctor's report that decline it, but, look, I'm willing to take that risk because I'm fighting to try and get you something.","start":319.66998,"end":327.83,"sentiment":"neutral","sentiment_score":-0.16458984330678597},{"text":"And, look, as I said, we pre assessed this before we provided the advice.","start":327.83,"end":331.59,"sentiment":"neutral","sentiment_score":-0.01703948886798961},{"text":"So, you know, we make reasonable inquiries to base our advice on, and if they come back afterwards and go, well, no.","start":331.59,"end":338.16498,"sentiment":"neutral","sentiment_score":-0.009153472301973537},{"text":"We're not actually, you know, doing that or that's incorrect, then fighting it is the best way forward.","start":338.16498,"end":344.085,"sentiment":"neutral","sentiment_score":-0.046413452467984624}],"sentiment":"neutral","sentiment_score":-0.0718478739931526,"num_words":114,"start":314.395,"end":344.085},{"sentences":[{"text":"So I'll keep I'll keep you updated.","start":344.085,"end":346.425,"sentiment":"neutral","sentiment_score":0.09827315807342529},{"text":"Okay?","start":346.645,"end":347.145,"sentiment":"neutral","sentiment_score":0.10686682164669035},{"text":"All good.","start":349.65,"end":350.21,"sentiment":"neutral","sentiment_score":0.302929162979126},{"text":"I'm so sorry about the length of time.","start":350.21,"end":352.31,"sentiment":"neutral","sentiment_score":-0.11539869382977486},{"text":"Is there any questions or anything you might have for me at the moment?","start":352.53,"end":355.75,"sentiment":"neutral","sentiment_score":-0.03294528674866472}],"sentiment":"neutral","sentiment_score":0.0005066777812317014,"num_words":32,"start":344.085,"end":355.75},{"sentences":[{"text":"Yeah.","start":358.77,"end":359.27,"sentiment":"neutral","sentiment_score":0.03269009292125702},{"text":"Absolutely.","start":362.225,"end":362.725,"sentiment":"neutral","sentiment_score":0.18753421306610107},{"text":"All good.","start":365.025,"end":365.92502,"sentiment":"positive","sentiment_score":0.4847627729177475},{"text":"Fantastic.","start":367.585,"end":368.085,"sentiment":"positive","sentiment_score":0.4510123133659363},{"text":"Yeah.","start":370.625,"end":371.125,"sentiment":"neutral","sentiment_score":-0.03330620005726814}],"sentiment":"neutral","sentiment_score":0.2679093275219202,"num_words":6,"start":358.77,"end":371.125},{"sentences":[{"text":"Insurance companies.","start":371.75998,"end":372.74,"sentiment":"neutral","sentiment_score":-0.0807681567966938},{"text":"Yeah.","start":373.19998,"end":373.59998,"sentiment":"neutral","sentiment_score":-0.04224752262234688},{"text":"Insurance companies.","start":373.59998,"end":374.56,"sentiment":"neutral","sentiment_score":-0.048860251903533936},{"text":"Their job is to try and get you the least amount of cover or, you know, cover themselves in the event of a risk.","start":374.56,"end":380.08,"sentiment":"neutral","sentiment_score":-0.04438248804459969},{"text":"My job is to try and get you the most amount of cover and to, you know, show them how we minimize that risk.","start":380.08,"end":385.19998,"sentiment":"neutral","sentiment_score":0.0009034471586346626}],"sentiment":"neutral","sentiment_score":-0.02537738342048987,"num_words":53,"start":371.75998,"end":385.19998},{"sentences":[{"text":"So yeah.","start":385.19998,"end":385.905,"sentiment":"neutral","sentiment_score":0.016445585526525974},{"text":"Yep.","start":386.065,"end":386.565,"sentiment":"neutral","sentiment_score":0.10293763875961304},{"text":"All good.","start":387.745,"end":388.225,"sentiment":"neutral","sentiment_score":0.32073742151260376},{"text":"I'll let you know how we go either way.","start":388.225,"end":390.165,"sentiment":"neutral","sentiment_score":0.027552582323551178},{"text":"There is obviously a risk that I that they may still come back as a decline, and I'll try and find out why, but I do wanna fight it to see if I can push it through based on everything we've provided to them previously.","start":390.225,"end":399.76498,"sentiment":"neutral","sentiment_score":-0.10454710490173763}],"sentiment":"neutral","sentiment_score":-0.062361742827599334,"num_words":59,"start":385.19998,"end":399.76498},{"sentences":[{"text":"Okay?","start":400.145,"end":400.645,"sentiment":"neutral","sentiment_score":-0.027266325429081917},{"text":"We we can.","start":405.25,"end":407.27002,"sentiment":"neutral","sentiment_score":0.04085885857542356},{"text":"Yeah.","start":408.77002,"end":409.25,"sentiment":"neutral","sentiment_score":0.16089284420013428},{"text":"We can.","start":409.25,"end":409.99002,"sentiment":"neutral","sentiment_score":0.12595351040363312},{"text":"In saying that insurances are the be all and end all.","start":410.53,"end":413.33002,"sentiment":"neutral","sentiment_score":0.009598798626525835}],"sentiment":"neutral","sentiment_score":0.034094272233131856,"num_words":18,"start":400.145,"end":413.33002},{"sentences":[{"text":"So whilst, you know, if they come back and give me a a good reason as to why they're declining the TBD and they don't won't offer it, I can look at other options or other insurers to see if they're willing to.","start":413.33002,"end":425.055,"sentiment":"neutral","sentiment_score":-0.07438132257828879},{"text":"We can, you know, get you to sign something to have your medical records released to other insurers to see what they're going to offer.","start":425.055,"end":431.65002,"sentiment":"neutral","sentiment_score":0.16565849155187606},{"text":"The other side of it the other thing we can do to kinda limit the risk is to look at investing outside of super.","start":432.27002,"end":438.83002,"sentiment":"neutral","sentiment_score":0.2322134089966615},{"text":"So building wealth and saving money and maybe building a bit of a nest egg for you.","start":438.83002,"end":444.925,"sentiment":"positive","sentiment_score":0.5320512196596932},{"text":"So in the event that you can't work or in the event that something happens, instead of claiming on insurances, you have money that you can draw down to back you up as well.","start":444.925,"end":454.3,"sentiment":"positive","sentiment_score":0.3367442466756877}],"sentiment":"neutral","sentiment_score":0.18888365283243722,"num_words":143,"start":413.33002,"end":454.3},{"sentences":[{"text":"So there is other things that we can do, but it also comes down to what you're comfortable with.","start":454.44,"end":459.18,"sentiment":"neutral","sentiment_score":0.29442526870652247},{"text":"Having insurances because they're paid out of super does provide you with that that level of risk mitigation much easier because you don't have to, you know, have money coming out of your back pocket or missing income.","start":459.56,"end":472.325,"sentiment":"neutral","sentiment_score":0.308373024589137},{"text":"It's also the debt with inside super, and you have that cover in the back 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can absolutely help you.","start":516.77,"end":518.63,"sentiment":"neutral","sentiment_score":0.2607464283704758},{"text":"Yeah.","start":519.665,"end":520.165,"sentiment":"neutral","sentiment_score":0.13221335411071777},{"text":"Oh, fantastic.","start":522.305,"end":523.20496,"sentiment":"positive","sentiment_score":0.42914198338985443}],"sentiment":"neutral","sentiment_score":0.27046930640935896,"num_words":10,"start":515.33,"end":523.20496},{"sentences":[{"text":"That's a great great way to 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through all those options and look at what's available, what you've got, what your goals are, and and build a plan around that for you.","start":576.27496,"end":583.875,"sentiment":"neutral","sentiment_score":0.2319388041893641},{"text":"Absolutely.","start":583.875,"end":584.375,"sentiment":"positive","sentiment_score":0.4977398514747619},{"text":"Very excited.","start":584.995,"end":585.815,"sentiment":"positive","sentiment_score":0.6233741044998169}],"sentiment":"neutral","sentiment_score":0.24849500947377898,"num_words":110,"start":553.615,"end":585.815},{"sentences":[{"text":"Yeah.","start":592.05,"end":592.55,"sentiment":"neutral","sentiment_score":0.18205526471138},{"text":"Fantastic.","start":594.29,"end":594.79,"sentiment":"positive","sentiment_score":0.4974621534347534},{"text":"Absolutely.","start":598.865,"end":599.365,"sentiment":"neutral","sentiment_score":0.3230203092098236},{"text":"Most definitely.","start":599.90497,"end":600.805,"sentiment":"positive","sentiment_score":0.34833626449108124},{"text":"And, look, you're it's you're never too old to start doing it.","start":600.865,"end":604.145,"sentiment":"positive","sentiment_score":0.34551262110471725}],"sentiment":"positive","sentiment_score":0.34384480644674864,"num_words":17,"start":592.05,"end":604.145},{"sentences":[{"text":"It's never too late.","start":604.145,"end":605.265,"sentiment":"positive","sentiment_score":0.41886555403470993},{"text":"Starting at any point is better than not starting at all, so that is fantastic.","start":605.265,"end":609.365,"sentiment":"positive","sentiment_score":0.5796412785847982},{"text":"You're doing the right thing.","start":609.425,"end":610.545,"sentiment":"positive","sentiment_score":0.6312534272670746},{"text":"Yeah.","start":610.545,"end":611.045,"sentiment":"neutral","sentiment_score":0.3320506811141968},{"text":"Yeah.","start":611.62,"end":612.12,"sentiment":"positive","sentiment_score":0.3728044033050537}],"sentiment":"positive","sentiment_score":0.5473539852179014,"num_words":26,"start":604.145,"end":612.12},{"sentences":[{"text":"All good.","start":612.81995,"end":613.37994,"sentiment":"positive","sentiment_score":0.4710015505552292},{"text":"Well, thank you so much for your time today.","start":613.37994,"end":615.3,"sentiment":"positive","sentiment_score":0.6492080158657498},{"text":"You have a good day, and do not work too hard.","start":615.3,"end":617.69995,"sentiment":"positive","sentiment_score":0.48944342678243463},{"text":"I will go back to, Encompass, and we'll keep fighting this for you.","start":617.69995,"end":620.89996,"sentiment":"positive","sentiment_score":0.3527123062656476},{"text":"And I'll let you know the outcome, and then we'll see where we go from there.","start":620.89996,"end":624.98,"sentiment":"neutral","sentiment_score":0.24801351688802242}],"sentiment":"positive","sentiment_score":0.40631821941511304,"num_words":51,"start":612.81995,"end":624.98},{"sentences":[{"text":"Okay?","start":624.98,"end":625.48,"sentiment":"neutral","sentiment_score":0.2619105577468872},{"text":"My pleasure.","start":627.70496,"end":628.365,"sentiment":"positive","sentiment_score":0.8804679214954376},{"text":"You have a lovely day.","start":628.50494,"end":629.785,"sentiment":"positive","sentiment_score":0.8614886999130249},{"text":"Let me know if there's anything else that comes up at any point in time.","start":629.785,"end":632.665,"sentiment":"positive","sentiment_score":0.45425615310668943},{"text":"Okay?","start":632.665,"end":633.165,"sentiment":"positive","sentiment_score":0.37881892919540405}],"sentiment":"positive","sentiment_score":0.5634562969207764,"num_words":24,"start":624.98,"end":633.165},{"sentences":[{"text":"Thanks so much, Brad.","start":635.9329,"end":636.97296,"sentiment":"positive","sentiment_score":0.8324288576841354},{"text":"Talk to you soon.","start":636.97296,"end":638.1129,"sentiment":"positive","sentiment_score":0.6358379572629929},{"text":"See you later.","start":639.53296,"end":640.1729,"sentiment":"positive","sentiment_score":0.3596449891726176},{"text":"Bye.","start":640.1729,"end":640.6729,"sentiment":"neutral","sentiment_score":-0.1185307502746582}],"sentiment":"positive","sentiment_score":0.569455956419309,"num_words":12,"start":635.9329,"end":640.6729}]}}]},{"alternatives":[{"transcript":"Hello? Brett speaking. Yep. I just thought I I I better answer that way. Yeah. Yeah. Sure. 05/06/1981. And Bradley Cornish. Is that right? Oh, address. 11. Sorry. It's been a long week. I know it's only Wednesday, but it's been a long week. 11 To 15 Wolf Street Cleveland. Right. I had to try, didn't I? Yeah. Is it done now, hon? Yep. Yep. Yeah. Yep. Okay. Yeah. I was yeah. Well, I don't have TPD. I don't have TPD. I don't have Polycystic Unity. Yeah. Yes. Yeah. Yeah. Yeah. Well, we might as well keep going because we're both disabled. Yeah. So they might as well do the job properly. And yeah. Like, I'm pretty sure everybody's got cysts on their kidneys. Well, a lot of a lot of people I think that it like, everyone's got little cysts on their kidneys. It's a polycystic kidney is multiple, which the doctors have told me that I haven't got. So I'm not sure why they would come back by that. But, yeah, make them work harder, Dana. Thank you. Yes. Awesome. Okay. No worries. No. No. This time, it's just here. Like I said, just do what you can, and I know you guys are doing your best. Yeah. The communication's been really good. So I'm I'm happy with what you guys are doing. It's obviously encompassed that have been a a bit a bit of a pain, really. Like yeah. Of course. Awesome. Alright. So if okay. So if they do that, is there someone else we can go to? Or am I just not insurable? Like, holy moly. I'm 40 five. I'm pretty healthy. Yep. Yep. Yep. Yep. Yep. Yeah. I like yep, I like the sound of wealth building anyway. I I'm actually investing in I'm investing at the moment. It's only little, but I've started and I've been sort of researching, but it'd be good to get some more advice from you and maybe some sort of a plan or whatever. I'm just using I'll I can tell you what I'm doing. I'm just using the razor. Well, that's what I thought. I mean, I'm just learning about it at the moment. So and it's obviously sort of similar to what the super is anyway, the ETS. So blah blah blah. I don't know any more about it than that. But if yeah. I'm just trying to set up a bit better for the future. But if yeah. If we can have a chat about that at another time, let's get the insurance done, and then we'll go ahead and just do some other chat about that. Got it. Awesome. Yeah. Yeah. No. That's really cool. I'm I'm really interested in that side of things. It's really sparked my interest in investing and and living yeah. Just trying to set up for the future. You know what I mean? Cool. Awesome. Thanks. Thanks, Dana. Appreciate it. You have a good day too. Yeah. 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Brett speaking. Yep. I just thought I I I better answer that way. Yeah.\n\nYeah. Sure. 05/06/1981. And Bradley Cornish. Is that right?\n\nOh, address. 11. Sorry. It's been a long week. I know it's only Wednesday, but it's been a long week.\n\n11 To 15 Wolf Street Cleveland. Right. I had to try, didn't I? Yeah. Is it done now, hon?\n\nYep. Yep. Yeah. Yep. Okay.\n\nYeah. I was yeah. Well, I don't have TPD. I don't have TPD. I don't have Polycystic Unity.\n\nYeah. Yes. Yeah. Yeah. Yeah.\n\nWell, we might as well keep going because we're both disabled. Yeah. So they might as well do the job properly. And yeah. Like, I'm pretty sure everybody's got cysts on their kidneys.\n\nWell, a lot of a lot of people I think that it like, everyone's got little cysts on their kidneys. It's a polycystic kidney is multiple, which the doctors have told me that I haven't got. So I'm not sure why they would come back by that. But, yeah, make them work harder, Dana. Thank you.\n\nYes. Awesome. Okay. No worries. No.\n\nNo. This time, it's just here. Like I said, just do what you can, and I know you guys are doing your best. Yeah. The communication's been really good.\n\nSo I'm I'm happy with what you guys are doing. It's obviously encompassed that have been a a bit a bit of a pain, really. Like yeah. Of course. Awesome.\n\nAlright. So if okay. So if they do that, is there someone else we can go to? Or am I just not insurable? Like, holy moly.\n\nI'm 40 five. I'm pretty healthy. Yep. Yep. Yep.\n\nYep. Yep. Yeah. I like yep, I like the sound of wealth building anyway. I I'm actually investing in I'm investing at the moment.\n\nIt's only little, but I've started and I've been sort of researching, but it'd be good to get some more advice from you and maybe some sort of a plan or whatever. I'm just using I'll I can tell you what I'm doing. I'm just using the razor. Well, that's what I thought. 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was yeah.","start":183.47,"end":187.01001,"sentiment":"neutral","sentiment_score":-0.10544021179278691},{"text":"Well, I don't have TPD.","start":187.71,"end":188.83,"sentiment":"neutral","sentiment_score":-0.1382344290614128},{"text":"I don't have TPD.","start":188.83,"end":189.89,"sentiment":"neutral","sentiment_score":-0.11012750305235386},{"text":"I don't have Polycystic Unity.","start":190.345,"end":193.405,"sentiment":"neutral","sentiment_score":-0.14371227622032165}],"sentiment":"neutral","sentiment_score":-0.12502623308036062,"num_words":18,"start":183.15001,"end":193.405},{"sentences":[{"text":"Yeah.","start":213.01001,"end":213.51001,"sentiment":"neutral","sentiment_score":-0.046884987503290176},{"text":"Yes.","start":230.075,"end":230.575,"sentiment":"neutral","sentiment_score":-0.0017837241757661104},{"text":"Yeah.","start":252.155,"end":252.655,"sentiment":"neutral","sentiment_score":0.029289815574884415},{"text":"Yeah.","start":267.47,"end":267.97,"sentiment":"neutral","sentiment_score":0.09973731637001038},{"text":"Yeah.","start":270.51,"end":270.83,"sentiment":"neutral","sentiment_score":0.04270047694444656}],"sentiment":"neutral","sentiment_score":0.024611779442057013,"num_words":5,"start":213.01001,"end":270.83},{"sentences":[{"text":"Well, we might as well keep going because we're both disabled.","start":270.83,"end":274.73502,"sentiment":"neutral","sentiment_score":-0.015590298243544319},{"text":"Yeah.","start":274.73502,"end":274.89502,"sentiment":"neutral","sentiment_score":0.04299966245889664},{"text":"So they might as well do the job properly.","start":274.89502,"end":276.595,"sentiment":"neutral","sentiment_score":0.12167514777845806},{"text":"And yeah.","start":277.61502,"end":279.535,"sentiment":"neutral","sentiment_score":0.043628472834825516},{"text":"Like, I'm pretty sure everybody's got cysts on their kidneys.","start":279.535,"end":282.195,"sentiment":"neutral","sentiment_score":-0.06933087222278118}],"sentiment":"neutral","sentiment_score":0.010925179855390028,"num_words":33,"start":270.83,"end":282.195},{"sentences":[{"text":"Well, a lot of a lot of people I think that it like, everyone's got little cysts on their kidneys.","start":283.215,"end":288.35,"sentiment":"neutral","sentiment_score":-0.06714115175418556},{"text":"It's a polycystic kidney is multiple, which the doctors have told me that I haven't got.","start":288.35,"end":293.55,"sentiment":"neutral","sentiment_score":-0.15754922106862068},{"text":"So I'm not sure why they would come back by that.","start":293.55,"end":296.27,"sentiment":"neutral","sentiment_score":-0.24138568477197128},{"text":"But, yeah, make them work harder, Dana.","start":296.27,"end":301.135,"sentiment":"neutral","sentiment_score":-0.02765613208924021},{"text":"Thank you.","start":304.075,"end":304.815,"sentiment":"positive","sentiment_score":0.34905917942523956}],"sentiment":"neutral","sentiment_score":-0.10739870840084872,"num_words":56,"start":283.215,"end":304.815},{"sentences":[{"text":"Yes.","start":332.965,"end":333.465,"sentiment":"neutral","sentiment_score":0.02047589235007763},{"text":"Awesome.","start":347.55,"end":348.03,"sentiment":"neutral","sentiment_score":0.322209894657135},{"text":"Okay.","start":348.03,"end":348.51,"sentiment":"neutral","sentiment_score":0.16343654692173004},{"text":"No worries.","start":348.51,"end":349.25,"sentiment":"neutral","sentiment_score":0.17038850486278534},{"text":"No.","start":356.95502,"end":357.195,"sentiment":"neutral","sentiment_score":-0.1266695261001587}],"sentiment":"neutral","sentiment_score":0.12003830292572577,"num_words":6,"start":332.965,"end":357.195},{"sentences":[{"text":"No.","start":357.195,"end":357.435,"sentiment":"neutral","sentiment_score":-0.12447647005319595},{"text":"This time, it's just here.","start":357.435,"end":358.395,"sentiment":"neutral","sentiment_score":-0.12093481570482253},{"text":"Like I said, just do what you can, and I know you guys are doing your best.","start":358.395,"end":362.095,"sentiment":"neutral","sentiment_score":0.06701311096549034},{"text":"Yeah.","start":362.635,"end":362.875,"sentiment":"neutral","sentiment_score":0.2093980014324188},{"text":"The communication's been really good.","start":362.875,"end":364.395,"sentiment":"positive","sentiment_score":0.4067722499370575}],"sentiment":"neutral","sentiment_score":0.09149419272254253,"num_words":29,"start":357.195,"end":364.395},{"sentences":[{"text":"So I'm I'm happy with what you guys are doing.","start":364.395,"end":366.95502,"sentiment":"positive","sentiment_score":0.5249231398105622},{"text":"It's obviously encompassed that have been a a bit a bit of a pain, really.","start":366.95502,"end":372.26,"sentiment":"neutral","sentiment_score":0.03776572657128175},{"text":"Like yeah.","start":372.26,"end":375.76,"sentiment":"neutral","sentiment_score":-0.03574281930923462},{"text":"Of course.","start":378.06,"end":378.64,"sentiment":"neutral","sentiment_score":-0.023753303103148937},{"text":"Awesome.","start":386.595,"end":387.095,"sentiment":"neutral","sentiment_score":0.31336355209350586}],"sentiment":"neutral","sentiment_score":0.20033628679811954,"num_words":30,"start":364.395,"end":387.095},{"sentences":[{"text":"Alright.","start":388.115,"end":388.615,"sentiment":"neutral","sentiment_score":0.11111482232809068},{"text":"So if okay.","start":400.5,"end":401.62,"sentiment":"neutral","sentiment_score":-0.03791361674666405},{"text":"So if they do that, is there someone else we can go to?","start":401.62,"end":404.02,"sentiment":"neutral","sentiment_score":-0.06350805094608894},{"text":"Or am I just not insurable?","start":404.02,"end":405.62,"sentiment":"neutral","sentiment_score":-0.11057557910680771},{"text":"Like, holy moly.","start":405.62,"end":406.41998,"sentiment":"neutral","sentiment_score":0.03912409394979477}],"sentiment":"neutral","sentiment_score":-0.05285814934625076,"num_words":26,"start":388.115,"end":406.41998},{"sentences":[{"text":"I'm 40 five.","start":406.41998,"end":407.22,"sentiment":"neutral","sentiment_score":0.08658947795629501},{"text":"I'm pretty healthy.","start":407.22,"end":408.28,"sentiment":"neutral","sentiment_score":0.1957134654124578},{"text":"Yep.","start":419.945,"end":420.445,"sentiment":"neutral","sentiment_score":-0.11390729993581772},{"text":"Yep.","start":432.53,"end":433.03,"sentiment":"neutral","sentiment_score":0.14902758598327637},{"text":"Yep.","start":459.82,"end":460.32,"sentiment":"positive","sentiment_score":0.4371858537197113}],"sentiment":"neutral","sentiment_score":0.1465794410970476,"num_words":9,"start":406.41998,"end":460.32},{"sentences":[{"text":"Yep.","start":471.875,"end":472.375,"sentiment":"neutral","sentiment_score":0.13716313242912292},{"text":"Yep.","start":477.235,"end":477.735,"sentiment":"neutral","sentiment_score":0.09827297925949097},{"text":"Yeah.","start":491.37,"end":491.87,"sentiment":"neutral","sentiment_score":0.07244203984737396},{"text":"I like yep, I like the sound of wealth building anyway.","start":496.00998,"end":502.305,"sentiment":"neutral","sentiment_score":0.3167207755825736},{"text":"I I'm actually investing in I'm investing at the moment.","start":502.305,"end":504.945,"sentiment":"neutral","sentiment_score":0.06408735886216163}],"sentiment":"neutral","sentiment_score":0.18469501131524643,"num_words":24,"start":471.875,"end":504.945},{"sentences":[{"text":"It's only little, but I've started and I've been sort of researching, but it'd be good to get some more advice from you and maybe some sort of a plan or whatever.","start":504.945,"end":515.47,"sentiment":"neutral","sentiment_score":0.05683007155312225},{"text":"I'm just using I'll I can tell you what I'm doing.","start":516.33,"end":519.14996,"sentiment":"neutral","sentiment_score":0.2159741222858429},{"text":"I'm just using the razor.","start":520.08997,"end":521.47,"sentiment":"neutral","sentiment_score":0.12566667348146437},{"text":"Well, that's what I thought.","start":526.395,"end":527.435,"sentiment":"neutral","sentiment_score":0.13827137649059296},{"text":"I mean, I'm just learning about it at the moment.","start":527.435,"end":529.515,"sentiment":"neutral","sentiment_score":0.10572717264294625}],"sentiment":"neutral","sentiment_score":0.10430539065291958,"num_words":63,"start":504.945,"end":529.515},{"sentences":[{"text":"So and it's obviously sort of similar to what the super is anyway, the ETS.","start":529.515,"end":533.375,"sentiment":"neutral","sentiment_score":0.05411592572927475},{"text":"So blah blah blah.","start":534.395,"end":535.195,"sentiment":"neutral","sentiment_score":0.023327647475525737},{"text":"I don't know any more about it than that.","start":535.195,"end":536.955,"sentiment":"neutral","sentiment_score":-0.005112416628334258},{"text":"But if yeah.","start":536.955,"end":539.95,"sentiment":"neutral","sentiment_score":0.03884716331958771},{"text":"I'm just trying to set up a bit better for the future.","start":539.95,"end":542.91003,"sentiment":"neutral","sentiment_score":0.10709118470549583}],"sentiment":"neutral","sentiment_score":0.0525738007583937,"num_words":43,"start":529.515,"end":542.91003},{"sentences":[{"text":"But if yeah.","start":542.91003,"end":543.79,"sentiment":"neutral","sentiment_score":0.06633235638340314},{"text":"If we can have a chat about that at another time, let's get the insurance done, and then we'll go ahead and just do some other chat about that.","start":543.79,"end":550.85,"sentiment":"neutral","sentiment_score":0.11904891631726561},{"text":"Got it.","start":560.355,"end":565.33496,"sentiment":"neutral","sentiment_score":0.23199592530727386},{"text":"Awesome.","start":585.505,"end":586.005,"sentiment":"positive","sentiment_score":0.5273306369781494},{"text":"Yeah.","start":586.865,"end":587.105,"sentiment":"neutral","sentiment_score":0.2931062579154968}],"sentiment":"neutral","sentiment_score":0.13710678855164182,"num_words":36,"start":542.91003,"end":587.105},{"sentences":[{"text":"Yeah.","start":587.105,"end":587.345,"sentiment":"neutral","sentiment_score":0.20910732448101044},{"text":"No.","start":587.345,"end":587.505,"sentiment":"neutral","sentiment_score":0.16883060336112976},{"text":"That's really cool.","start":587.505,"end":588.385,"sentiment":"neutral","sentiment_score":0.32602107524871826},{"text":"I'm I'm really interested in that side of things.","start":588.385,"end":591.345,"sentiment":"neutral","sentiment_score":0.3190942108631134},{"text":"It's really sparked my interest in investing and and living yeah.","start":591.345,"end":596.65,"sentiment":"neutral","sentiment_score":0.2899436761032451}],"sentiment":"neutral","sentiment_score":0.2966891795396805,"num_words":25,"start":587.105,"end":596.65},{"sentences":[{"text":"Just trying to set up for the future.","start":596.65,"end":598.01,"sentiment":"positive","sentiment_score":0.3380574844777584},{"text":"You know what I mean?","start":598.01,"end":599.07,"sentiment":"neutral","sentiment_score":0.12828626334667206},{"text":"Cool.","start":611.475,"end":611.555,"sentiment":"positive","sentiment_score":0.51173996925354},{"text":"Awesome.","start":611.555,"end":612.055,"sentiment":"positive","sentiment_score":0.5240285396575928},{"text":"Thanks.","start":625.77997,"end":625.94,"sentiment":"positive","sentiment_score":0.7342458963394165}],"sentiment":"neutral","sentiment_score":0.31974409986287355,"num_words":16,"start":596.65,"end":625.94},{"sentences":[{"text":"Thanks, Dana.","start":625.94,"end":626.83997,"sentiment":"positive","sentiment_score":0.8291924893856049},{"text":"Appreciate it.","start":633.62,"end":634.33997,"sentiment":"positive","sentiment_score":0.7761358916759491},{"text":"You have a good day too.","start":634.33997,"end":635.56,"sentiment":"positive","sentiment_score":0.7519008020559946},{"text":"Yeah.","start":638.7129,"end":638.9529,"sentiment":"neutral","sentiment_score":0.31125608086586},{"text":"Bye bye.","start":638.9529,"end":639.6129,"sentiment":"neutral","sentiment_score":0.252522349357605}],"sentiment":"positive","sentiment_score":0.6567971041569343,"num_words":13,"start":625.94,"end":639.6129}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Brett speaking.\n\nChannel 0: Hey, Brad. It's Dana again. Is now a better time for you?\n\nChannel 1: Yep. I just thought I I I better answer that way.\n\nChannel 0: You're absolutely fine. Honestly, it's all good. I had to book in for a really quick catch up this morning. Is now still gonna be a good time there for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Beautiful. Before we jump into the call, I do have to let you know, would you record our calls for quality and training purposes? Are you happy for me to proceed with that?\n\nChannel 1: Sure.\n\nChannel 0: Fantastic. And I'm discussing your personal information. So I just need to do a quick security check. I'll get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: 05/06/1981.\n\nChannel 0: Yep.\n\nChannel 1: And Bradley Cornish.\n\nChannel 0: Yep. And your\n\nChannel 1: Is\n\nChannel 0: address.\n\nChannel 1: that right? Oh, address. 11. Sorry. It's been a long week.\n\nI know it's only Wednesday, but it's been a long week.\n\nChannel 0: You're fine. Honestly, it's absolutely okay. Yeah. Just your address as well, please, Brad.\n\nChannel 1: 11 To 15 Wolf Street Cleveland.\n\nChannel 0: Beautiful. Thank you so much for that. I'm firstly, I do wanna apologize for the time it's taken to get this through. Encompass has taken a very long time to assess this, and we had provided them with everything we had upfront. And it's honestly not I'm not happy with the time it's taken.\n\nAnd I know Jack's been trying to sort of push it along for you, and then the time frame has been unacceptable. So I do wanna apologize for that. It's by no means preferable. Jack's obviously helping me to try and get Encompass to assess everything as quickly as possible, but they just I don't know. They're just taking a desperate\n\nChannel 1: Right. I\n\nChannel 0: time.\n\nChannel 1: had to try, didn't I? Yeah. Is it\n\nChannel 0: Yeah.\n\nChannel 1: done now, hon?\n\nChannel 0: So they have come back with an answer. I'm not a 100% happy with the answer because, obviously, before we did the advice, we preassessed everything with them. So they actually\n\nChannel 1: Yep.\n\nChannel 0: knew what they were getting into and had said that they would come back and offer life and TBD.\n\nChannel 1: Yep.\n\nChannel 0: With after the assessment, the underwriters come back offering life. They've declined TPD on the basis of family history of polycystic kidney disease, but they knew about the family history, and we had provided that originally with the pre assessment. So the fact that we've given them all that information and they've taken six months to assess that's really just not okay.\n\nChannel 1: Yeah.\n\nChannel 0: The life, accepting life as it is, there is a 75% loading on the life for the risk of polycystic kidney disease, which means that you still can claim on the life cover in the event of, you know, passing away due to the the p c k d.\n\nChannel 1: Yep.\n\nChannel 0: But with the TBD decline, I'm not a 100% happy. So I have gone back and fought that decision for you. I have not had a reply from that.\n\nChannel 1: Okay.\n\nChannel 0: I've also spoken to our head of advice, and she's giving me some information of their senior underwriter so I can go back and fight that a little bit more for you. But I wanted to come back and just let, like, let you know that I am fighting it. I'm not happy with the decision they've made, and\n\nChannel 1: Yeah.\n\nChannel 0: I did\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: was\n\nChannel 0: sort of push it a bit further for you.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I don't have TPD. I don't have TPD. I don't have Polycystic Unity.\n\nChannel 0: No. Correct. It's the family history side of it, and the it's because of the ultrasound. So with the ultrasound, they had noted the cysts on on the kidneys, and that was kind of where that's come from. And then I'm trying to find out from them if they because they requested medical history reports as well from your\n\nChannel 1: Yeah.\n\nChannel 0: doctor. Trying to work out if there's anything else that's come back as a result of that. The only answer I was able to get was that we always decline PPD or disability cover under a family history of polycystic kidney disease, but you don't have it. So I'm\n\nChannel 1: Yes.\n\nChannel 0: not happy that they've done the underwriting correctly. I'm not happy with the answer there, and I'm fighting for you on that one because I do believe that we as we preassessed prior, that, realistically, I don't think they've done everything can. And I feel like, you know, even if they offer a loading, at least they're offering a bit of cover, which is important. We're not asking for a lot. We're only asking for a little bit of cover from them.\n\nChannel 1: Yeah.\n\nChannel 0: So I do wanna, yeah, so I do wanna fight a bit harder for you. Are you okay with me doing that? I know it means we don't get cover put in force just as yet, and that would make the process a little bit longer. But are you still happy for me\n\nChannel 1: Yeah.\n\nChannel 0: to keep fighting for you and see if I can push this through?\n\nChannel 1: Yeah. Well, we might as well keep going because\n\nChannel 0: Yep.\n\nChannel 1: we're both\n\nChannel 0: Yep.\n\nChannel 1: disabled. Yeah. So they might as well do the job properly.\n\nChannel 0: Absolutely.\n\nChannel 1: And\n\nChannel 0: Absolutely.\n\nChannel 1: yeah. Like, I'm pretty sure everybody's got cysts on their kidneys.\n\nChannel 0: Oh,\n\nChannel 1: Well,\n\nChannel 0: I've\n\nChannel 1: a lot\n\nChannel 0: had them.\n\nChannel 1: of a lot\n\nChannel 0: Absolutely.\n\nChannel 1: of people I think\n\nChannel 0: Yeah.\n\nChannel 1: that it like, everyone's got little cysts on their kidneys. It's a polycystic\n\nChannel 0: Yeah.\n\nChannel 1: kidney is multiple, which the doctors have told me that I haven't got.\n\nChannel 0: You\n\nChannel 1: So\n\nChannel 0: don't\n\nChannel 1: I'm not\n\nChannel 0: have?\n\nChannel 1: sure why they would come back by that.\n\nChannel 0: Yeah.\n\nChannel 1: But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, make them work harder, Dana.\n\nChannel 0: I will. I will for you. I promise. No. Thank\n\nChannel 1: Thank\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: so much for that. I will Jack and I will keep you updated. I will fight this through a bit harder, and I'll get Jack to give you an update in maybe a week or two to see where we're going. I know some of the updates are just that we don't have information yet, but we'll see what we can do. There is always the risk that they may come back and say there's something else in the doctor's report that decline it, but, look, I'm willing to take that risk because I'm fighting to try and get you something.\n\nAnd, look, as I said, we pre assessed this before we provided the advice. So, you know, we make\n\nChannel 1: Yes.\n\nChannel 0: reasonable inquiries to base our advice on, and if they come back afterwards and go, well, no. We're not actually, you know, doing that or that's incorrect, then fighting it is the best way forward. So I'll keep I'll keep you updated. Okay?\n\nChannel 1: Awesome. Okay. No worries.\n\nChannel 0: All good. I'm so sorry about the length of time. Is there any questions or anything you might have for me at the moment?\n\nChannel 1: No. No. This time, it's just here. Like I said,\n\nChannel 0: Yeah.\n\nChannel 1: just do what you can, and I know you guys are doing your best.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. The communication's been really good. So I'm\n\nChannel 0: All\n\nChannel 1: I'm\n\nChannel 0: good.\n\nChannel 1: happy with what you guys are doing. It's obviously\n\nChannel 0: Fantastic.\n\nChannel 1: encompassed that have been a a bit\n\nChannel 0: Yeah.\n\nChannel 1: a bit of a pain,\n\nChannel 0: Insurance\n\nChannel 1: really.\n\nChannel 0: companies.\n\nChannel 1: Like\n\nChannel 0: Yeah. Insurance companies. Their job is to\n\nChannel 1: yeah.\n\nChannel 0: try and get you the least amount of cover or, you know,\n\nChannel 1: Of course.\n\nChannel 0: cover themselves in the event of a risk. My job is to try and get you the most amount of cover and to, you know, show them how we minimize that risk. So yeah. Yep.\n\nChannel 1: Awesome.\n\nChannel 0: All good.\n\nChannel 1: Alright.\n\nChannel 0: I'll let you know how we go either way. There is obviously a risk that I that they may still come back as a decline, and I'll try and find out why, but I do wanna fight it to see if I can push it through based on everything we've provided to them previously. Okay?\n\nChannel 1: So if okay. So if they do that, is there someone else we can go to? Or am I just not insurable?\n\nChannel 0: We\n\nChannel 1: Like, holy moly.\n\nChannel 0: we\n\nChannel 1: I'm 40\n\nChannel 0: can.\n\nChannel 1: five. I'm pretty healthy.\n\nChannel 0: Yeah. We can. In saying that insurances are the be all and end all. So whilst, you know, if they come back and give me a a good reason as to why they're declining the TBD and they\n\nChannel 1: Yep.\n\nChannel 0: don't won't offer it, I can look at other options or other insurers to see if they're willing to. We can, you know, get you to sign something to have your medical records released to other insurers to see what they're going to offer. The\n\nChannel 1: Yep.\n\nChannel 0: other side of it the other thing we can do to kinda limit the risk is to look at investing outside of super. So building wealth and saving money and maybe building a bit of a nest egg for you. So in the event that you can't work or in the event that something happens, instead of claiming on insurances, you have money that you can draw down to back you up as well. So there is other things that we can do, but it also comes down to what you're comfortable with. Having\n\nChannel 1: Yep.\n\nChannel 0: insurances because they're paid out of super does provide you with that that level of risk mitigation much easier because you don't have to, you know, have money coming out of your back pocket or missing income.\n\nChannel 1: Yep.\n\nChannel 0: It's also the debt with inside super, and you have that cover in the back end. But\n\nChannel 1: Yep.\n\nChannel 0: for other clients who aren't able to get cover, I do talk about building investment accounts or putting money away in a savings account and saving, you know, six months worth of living expenses or one year's worth of income aside and having that as\n\nChannel 1: Yeah.\n\nChannel 0: a backup to help mitigate or reduce the risk even further. So there are\n\nChannel 1: I\n\nChannel 0: other\n\nChannel 1: like\n\nChannel 0: things that I can help you do. Yeah.\n\nChannel 1: yep, I like the sound of wealth building anyway. I I'm\n\nChannel 0: Yeah.\n\nChannel 1: actually investing in I'm investing at the moment. It's only little, but I've started\n\nChannel 0: Yeah.\n\nChannel 1: and I've been sort of researching, but it'd\n\nChannel 0: Yeah.\n\nChannel 1: be good to get some more advice from you and maybe\n\nChannel 0: Absolutely.\n\nChannel 1: some sort of a plan or whatever.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: I'm just using\n\nChannel 0: I can absolutely\n\nChannel 1: I'll I\n\nChannel 0: help\n\nChannel 1: can tell\n\nChannel 0: you.\n\nChannel 1: you what I'm doing.\n\nChannel 0: Yeah.\n\nChannel 1: I'm just using the razor.\n\nChannel 0: Oh, fantastic. That's a great great way to start. Yeah.\n\nChannel 1: Well, that's what I thought. I mean, I'm just learning about it at the moment. So and it's\n\nChannel 0: Yep.\n\nChannel 1: obviously sort of similar to what the super is anyway, the ETS.\n\nChannel 0: Yes. Yep.\n\nChannel 1: So blah blah blah. I don't know any more about it than that. But if yeah. I'm just trying to set up a bit better for the future. But if yeah.\n\nChannel 0: Yes.\n\nChannel 1: If we can have a chat about that at another time,\n\nChannel 0: Abs\n\nChannel 1: let's get the insurance done, and then we'll go ahead and just\n\nChannel 0: yeah.\n\nChannel 1: do some other chat about that.\n\nChannel 0: Absolutely. Most definitely. Yeah. I'll put that down as another goal that you've got there. We can most definitely when you're ready, let me know when you're it's comfortable for you,\n\nChannel 1: Got\n\nChannel 0: and we can certainly have that conversation, look at what your goals are, what you've got available to\n\nChannel 1: it.\n\nChannel 0: you, you know, whether we can build investment accounts very similar to your suit, but we have access to investment structures, which can be, you know, tax advantaged for you as well. So we can kinda go through all those options and look at what's available, what you've got, what your goals are, and and build a plan around that for you. Absolutely. Very excited.\n\nChannel 1: Awesome. Yeah. Yeah. No. That's really cool.\n\nI'm I'm really interested in that side of things. It's really\n\nChannel 0: Yeah.\n\nChannel 1: sparked my interest in investing and\n\nChannel 0: Fantastic.\n\nChannel 1: and living yeah. Just trying to set up for the future. You know what I mean?\n\nChannel 0: Absolutely. Most definitely. And, look, you're it's you're never too old to start doing it. It's never too late. Starting at any point is better than not starting at all, so that is fantastic.\n\nYou're doing the right thing. Yeah.\n\nChannel 1: Cool. Awesome.\n\nChannel 0: Yeah. All good. Well, thank you so much for your time today. You have a good day, and do not work too hard. I will go back to, Encompass, and we'll keep fighting this for you.\n\nAnd I'll let you know the outcome, and then we'll see where we go from there. Okay?\n\nChannel 1: Thanks. Thanks, Dana.\n\nChannel 0: My pleasure. You have a lovely day. Let me know if there's anything else that comes up at any point in time. Okay?\n\nChannel 1: Appreciate it. You have a good day too.\n\nChannel 0: Thanks so much, Brad. Talk to you soon.\n\nChannel 1: Yeah. Bye bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.68,"sentiment":"neutral","sentiment_score":0.007504520006477833},{"text":"Brett speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.009206608403474092}],"sentiment":"neutral","sentiment_score":0.00863924560447534,"channel":1,"num_words":3,"start":1.28,"end":2.5},{"sentences":[{"text":"Hey, Brad.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.05857725627720356},{"text":"It's Dana again.","start":3.28,"end":4.24,"sentiment":"neutral","sentiment_score":0.1444536621371905},{"text":"Is now a better time for you?","start":4.24,"end":6.18,"sentiment":"neutral","sentiment_score":0.18881555753094809}],"sentiment":"neutral","sentiment_score":0.15601870014021793,"channel":0,"num_words":12,"start":2.72,"end":6.18},{"sentences":[{"text":"Yep.","start":6.56,"end":6.96,"sentiment":"neutral","sentiment_score":0.12385600060224532},{"text":"I just thought I I I better answer that way.","start":6.96,"end":9.54,"sentiment":"neutral","sentiment_score":0.07970608845353126}],"sentiment":"neutral","sentiment_score":0.08371971683068709,"channel":1,"num_words":11,"start":6.56,"end":9.54},{"sentences":[{"text":"You're absolutely fine.","start":10.48,"end":12.0,"sentiment":"positive","sentiment_score":0.5182380278905233},{"text":"Honestly, it's all good.","start":12.0,"end":13.78,"sentiment":"positive","sentiment_score":0.6861640214920044},{"text":"I had to book in for a really quick catch up this morning.","start":14.355,"end":16.675,"sentiment":"positive","sentiment_score":0.4708781036046835},{"text":"Is now still gonna be a good time there for you?","start":16.675,"end":19.015,"sentiment":"positive","sentiment_score":0.35941631956533954}],"sentiment":"positive","sentiment_score":0.46368919457158736,"channel":0,"num_words":31,"start":10.48,"end":19.015},{"sentences":[{"text":"Yeah.","start":19.475,"end":19.715,"sentiment":"neutral","sentiment_score":0.11478683352470398},{"text":"Yeah.","start":19.715,"end":20.215,"sentiment":"neutral","sentiment_score":0.16481563448905945}],"sentiment":"neutral","sentiment_score":0.1398012340068817,"channel":1,"num_words":2,"start":19.475,"end":20.215},{"sentences":[{"text":"Beautiful.","start":20.675,"end":21.175,"sentiment":"positive","sentiment_score":0.3465649485588074},{"text":"Before we jump into the call, I do have to let you know, would you record our calls for quality and training purposes?","start":21.475,"end":25.795,"sentiment":"neutral","sentiment_score":0.10299825085246045},{"text":"Are you happy for me to proceed with that?","start":25.795,"end":27.895,"sentiment":"neutral","sentiment_score":0.12379742496543461}],"sentiment":"neutral","sentiment_score":0.11605156190467603,"channel":0,"num_words":33,"start":20.675,"end":27.895},{"sentences":[{"text":"Sure.","start":28.195,"end":28.695,"sentiment":"neutral","sentiment_score":0.22982339560985565}],"sentiment":"neutral","sentiment_score":0.22982339560985565,"channel":1,"num_words":1,"start":28.195,"end":28.695},{"sentences":[{"text":"Fantastic.","start":29.19,"end":29.67,"sentiment":"positive","sentiment_score":0.4569596648216248},{"text":"And I'm discussing your personal information.","start":29.67,"end":31.59,"sentiment":"neutral","sentiment_score":0.18963753432035446},{"text":"So I just need to do a quick security check.","start":31.59,"end":33.91,"sentiment":"neutral","sentiment_score":0.15841754376888276},{"text":"I'll get you to confirm your full name, your date of birth, and address I should have on 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Cornish.","start":46.365,"end":48.225002,"sentiment":"neutral","sentiment_score":0.026567672689755756}],"sentiment":"neutral","sentiment_score":0.026567672689755756,"channel":1,"num_words":3,"start":46.365,"end":48.225002},{"sentences":[{"text":"Yep.","start":48.725002,"end":49.225002,"sentiment":"neutral","sentiment_score":0.024472560733556747},{"text":"And 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okay.","start":57.06,"end":58.84,"sentiment":"neutral","sentiment_score":0.1541622057557106},{"text":"Yeah.","start":59.06,"end":59.3,"sentiment":"neutral","sentiment_score":0.03863498568534851},{"text":"Just your address as well, please, Brad.","start":59.3,"end":61.08,"sentiment":"neutral","sentiment_score":0.029308022132941654}],"sentiment":"neutral","sentiment_score":0.06600357352622918,"channel":0,"num_words":14,"start":56.02,"end":61.08},{"sentences":[{"text":"11 To 15 Wolf Street Cleveland.","start":61.379997,"end":63.719997,"sentiment":"neutral","sentiment_score":0.018838670880844195}],"sentiment":"neutral","sentiment_score":0.018838670880844195,"channel":1,"num_words":6,"start":61.379997,"end":63.719997},{"sentences":[{"text":"Beautiful.","start":64.435005,"end":64.915,"sentiment":"neutral","sentiment_score":0.20270204544067383},{"text":"Thank you so much for that.","start":64.915,"end":66.455,"sentiment":"neutral","sentiment_score":0.21808307617902756},{"text":"I'm firstly, I do wanna apologize for the time it's taken to get this through.","start":66.595,"end":70.83501,"sentiment":"neutral","sentiment_score":-0.2336140642563502},{"text":"Encompass has taken a very long time to assess this, and we had provided them with everything we had upfront.","start":70.83501,"end":76.375,"sentiment":"neutral","sentiment_score":-0.24199239239096643},{"text":"And it's honestly not I'm not happy with the time it's taken.","start":76.435005,"end":79.85,"sentiment":"negative","sentiment_score":-0.48569738616545993}],"sentiment":"neutral","sentiment_score":-0.23446716561361594,"channel":0,"num_words":54,"start":64.435005,"end":79.85},{"sentences":[{"text":"And I know Jack's been trying to sort of push it along for you, and then the time frame has been unacceptable.","start":79.85,"end":85.13,"sentiment":"negative","sentiment_score":-0.392430993643674},{"text":"So I do wanna apologize for that.","start":85.13,"end":86.81,"sentiment":"neutral","sentiment_score":-0.32736341442380634},{"text":"It's by no means preferable.","start":86.81,"end":88.59,"sentiment":"negative","sentiment_score":-0.3688462972640991},{"text":"Jack's obviously helping me to try and get Encompass to assess everything as quickly as possible, but they just I don't know.","start":89.29,"end":96.395004,"sentiment":"neutral","sentiment_score":-0.2206268933686343},{"text":"They're just taking a 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I?","start":98.11,"end":99.15,"sentiment":"neutral","sentiment_score":-0.11332779377698898},{"text":"Yeah.","start":99.15,"end":99.65,"sentiment":"neutral","sentiment_score":-0.04114362597465515},{"text":"Is it","start":99.71,"end":100.11,"sentiment":"neutral","sentiment_score":-0.030548464506864548}],"sentiment":"neutral","sentiment_score":-0.08360994048416615,"channel":1,"num_words":8,"start":98.11,"end":100.11},{"sentences":[{"text":"Yeah.","start":99.995,"end":100.495,"sentiment":"neutral","sentiment_score":-0.04190583899617195}],"sentiment":"neutral","sentiment_score":-0.04190583899617195,"channel":0,"num_words":1,"start":99.995,"end":100.495},{"sentences":[{"text":"done now, hon?","start":100.11,"end":101.17,"sentiment":"neutral","sentiment_score":-0.06051001946131388}],"sentiment":"neutral","sentiment_score":-0.06051001946131388,"channel":1,"num_words":3,"start":100.11,"end":101.17},{"sentences":[{"text":"So they have come back with an 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definitely.","start":552.255,"end":553.075,"sentiment":"neutral","sentiment_score":0.2689319998025894},{"text":"Yeah.","start":553.295,"end":553.615,"sentiment":"neutral","sentiment_score":0.27128493785858154},{"text":"I'll put that down as another goal that you've got there.","start":553.615,"end":556.255,"sentiment":"neutral","sentiment_score":0.32075285098769446},{"text":"We can most definitely when you're ready, let me know when you're it's comfortable for you,","start":556.255,"end":560.48,"sentiment":"neutral","sentiment_score":0.2622336931526661}],"sentiment":"neutral","sentiment_score":0.28450802641530193,"channel":0,"num_words":31,"start":551.215,"end":560.48},{"sentences":[{"text":"Got","start":560.355,"end":560.855,"sentiment":"neutral","sentiment_score":0.22132934629917145}],"sentiment":"neutral","sentiment_score":0.22132934629917145,"channel":1,"num_words":1,"start":560.355,"end":560.855},{"sentences":[{"text":"and we can certainly have that conversation, look at what your goals are, what you've got available to","start":560.48,"end":564.95996,"sentiment":"neutral","sentiment_score":0.237878175245391}],"sentiment":"neutral","sentiment_score":0.237878175245391,"channel":0,"num_words":18,"start":560.48,"end":564.95996},{"sentences":[{"text":"it.","start":564.83496,"end":565.33496,"sentiment":"neutral","sentiment_score":0.24266250431537628}],"sentiment":"neutral","sentiment_score":0.24266250431537628,"channel":1,"num_words":1,"start":564.83496,"end":565.33496},{"sentences":[{"text":"you, you know, whether we can build investment accounts very similar to your suit, but we have access to investment structures, which can be, you know, tax advantaged for you as well.","start":564.95996,"end":576.27496,"sentiment":"neutral","sentiment_score":0.20706160156987607},{"text":"So we can kinda go through all those options and look at what's available, what you've got, what your goals are, and and build a plan around that for you.","start":576.27496,"end":583.875,"sentiment":"neutral","sentiment_score":0.2319388041893641},{"text":"Absolutely.","start":583.875,"end":584.375,"sentiment":"positive","sentiment_score":0.4977398514747619},{"text":"Very excited.","start":584.995,"end":585.815,"sentiment":"positive","sentiment_score":0.6233741044998169}],"sentiment":"neutral","sentiment_score":0.23582497594448237,"channel":0,"num_words":65,"start":564.95996,"end":585.815},{"sentences":[{"text":"Awesome.","start":585.505,"end":586.005,"sentiment":"positive","sentiment_score":0.5273306369781494},{"text":"Yeah.","start":586.865,"end":587.105,"sentiment":"neutral","sentiment_score":0.2931062579154968},{"text":"Yeah.","start":587.105,"end":587.345,"sentiment":"neutral","sentiment_score":0.20910732448101044},{"text":"No.","start":587.345,"end":587.505,"sentiment":"neutral","sentiment_score":0.16883060336112976},{"text":"That's really cool.","start":587.505,"end":588.385,"sentiment":"neutral","sentiment_score":0.32602107524871826}],"sentiment":"neutral","sentiment_score":0.3109197212117059,"channel":1,"num_words":7,"start":585.505,"end":588.385},{"sentences":[{"text":"I'm I'm really interested in that side of things.","start":588.385,"end":591.345,"sentiment":"neutral","sentiment_score":0.3190942108631134},{"text":"It's really","start":591.345,"end":592.08496,"sentiment":"neutral","sentiment_score":0.1470745950937271}],"sentiment":"neutral","sentiment_score":0.28781791708686133,"channel":1,"num_words":11,"start":588.385,"end":592.08496},{"sentences":[{"text":"Yeah.","start":592.05,"end":592.55,"sentiment":"neutral","sentiment_score":0.18205526471138}],"sentiment":"neutral","sentiment_score":0.18205526471138,"channel":0,"num_words":1,"start":592.05,"end":592.55},{"sentences":[{"text":"sparked my interest in investing and","start":592.225,"end":594.565,"sentiment":"neutral","sentiment_score":0.28370827436447144}],"sentiment":"neutral","sentiment_score":0.28370827436447144,"channel":1,"num_words":6,"start":592.225,"end":594.565},{"sentences":[{"text":"Fantastic.","start":594.29,"end":594.79,"sentiment":"positive","sentiment_score":0.4974621534347534}],"sentiment":"positive","sentiment_score":0.4974621534347534,"channel":0,"num_words":1,"start":594.29,"end":594.79},{"sentences":[{"text":"and living yeah.","start":594.89,"end":596.65,"sentiment":"positive","sentiment_score":0.3976605335871379},{"text":"Just trying to set up for the future.","start":596.65,"end":598.01,"sentiment":"positive","sentiment_score":0.3380574844777584},{"text":"You know what I mean?","start":598.01,"end":599.07,"sentiment":"neutral","sentiment_score":0.12828626334667206}],"sentiment":"neutral","sentiment_score":0.28367954958230257,"channel":1,"num_words":16,"start":594.89,"end":599.07},{"sentences":[{"text":"Absolutely.","start":598.865,"end":599.365,"sentiment":"neutral","sentiment_score":0.3230203092098236},{"text":"Most definitely.","start":599.90497,"end":600.805,"sentiment":"positive","sentiment_score":0.34833626449108124},{"text":"And, look, you're it's you're never too old to start doing it.","start":600.865,"end":604.145,"sentiment":"positive","sentiment_score":0.34551262110471725},{"text":"It's never too late.","start":604.145,"end":605.265,"sentiment":"positive","sentiment_score":0.41886555403470993},{"text":"Starting at any point is better than not starting at all, so that is fantastic.","start":605.265,"end":609.365,"sentiment":"positive","sentiment_score":0.5796412785847982}],"sentiment":"positive","sentiment_score":0.4569389907752766,"channel":0,"num_words":34,"start":598.865,"end":609.365},{"sentences":[{"text":"You're doing the right thing.","start":609.425,"end":610.545,"sentiment":"positive","sentiment_score":0.6312534272670746},{"text":"Yeah.","start":610.545,"end":611.045,"sentiment":"neutral","sentiment_score":0.3320506811141968}],"sentiment":"positive","sentiment_score":0.5813863029082617,"channel":0,"num_words":6,"start":609.425,"end":611.045},{"sentences":[{"text":"Cool.","start":611.475,"end":611.555,"sentiment":"positive","sentiment_score":0.51173996925354},{"text":"Awesome.","start":611.555,"end":612.055,"sentiment":"positive","sentiment_score":0.5240285396575928}],"sentiment":"positive","sentiment_score":0.5178842544555664,"channel":1,"num_words":2,"start":611.475,"end":612.055},{"sentences":[{"text":"Yeah.","start":611.62,"end":612.12,"sentiment":"positive","sentiment_score":0.3728044033050537},{"text":"All good.","start":612.81995,"end":613.37994,"sentiment":"positive","sentiment_score":0.4710015505552292},{"text":"Well, thank you so much for your time today.","start":613.37994,"end":615.3,"sentiment":"positive","sentiment_score":0.6492080158657498},{"text":"You have a good day, and do not work too hard.","start":615.3,"end":617.69995,"sentiment":"positive","sentiment_score":0.48944342678243463},{"text":"I will go back to, Encompass, and we'll keep fighting this for you.","start":617.69995,"end":620.89996,"sentiment":"positive","sentiment_score":0.3527123062656476}],"sentiment":"positive","sentiment_score":0.4757449256463183,"channel":0,"num_words":36,"start":611.62,"end":620.89996},{"sentences":[{"text":"And I'll let you know the outcome, and then we'll see where we go from there.","start":620.89996,"end":624.98,"sentiment":"neutral","sentiment_score":0.24801351688802242},{"text":"Okay?","start":624.98,"end":625.48,"sentiment":"neutral","sentiment_score":0.2619105577468872}],"sentiment":"neutral","sentiment_score":0.24883098987972035,"channel":0,"num_words":17,"start":620.89996,"end":625.48},{"sentences":[{"text":"Thanks.","start":625.77997,"end":625.94,"sentiment":"positive","sentiment_score":0.7342458963394165},{"text":"Thanks, Dana.","start":625.94,"end":626.83997,"sentiment":"positive","sentiment_score":0.8291924893856049}],"sentiment":"positive","sentiment_score":0.7975436250368754,"channel":1,"num_words":3,"start":625.77997,"end":626.83997},{"sentences":[{"text":"My pleasure.","start":627.70496,"end":628.365,"sentiment":"positive","sentiment_score":0.8804679214954376},{"text":"You have a lovely day.","start":628.50494,"end":629.785,"sentiment":"positive","sentiment_score":0.8614886999130249},{"text":"Let me know if there's anything else that comes up at any point in time.","start":629.785,"end":632.665,"sentiment":"positive","sentiment_score":0.45425615310668943},{"text":"Okay?","start":632.665,"end":633.165,"sentiment":"positive","sentiment_score":0.37881892919540405}],"sentiment":"positive","sentiment_score":0.5765669812326846,"channel":0,"num_words":23,"start":627.70496,"end":633.165},{"sentences":[{"text":"Appreciate it.","start":633.62,"end":634.33997,"sentiment":"positive","sentiment_score":0.7761358916759491},{"text":"You have a good day too.","start":634.33997,"end":635.56,"sentiment":"positive","sentiment_score":0.7519008020559946}],"sentiment":"positive","sentiment_score":0.7579595744609833,"channel":1,"num_words":8,"start":633.62,"end":635.56},{"sentences":[{"text":"Thanks so much, Brad.","start":635.9329,"end":636.97296,"sentiment":"positive","sentiment_score":0.8324288576841354},{"text":"Talk to you soon.","start":636.97296,"end":638.1129,"sentiment":"positive","sentiment_score":0.6358379572629929}],"sentiment":"positive","sentiment_score":0.7341334074735641,"channel":0,"num_words":8,"start":635.9329,"end":638.1129},{"sentences":[{"text":"Yeah.","start":638.7129,"end":638.9529,"sentiment":"neutral","sentiment_score":0.31125608086586},{"text":"Bye bye.","start":638.9529,"end":639.6129,"sentiment":"neutral","sentiment_score":0.252522349357605}],"sentiment":"neutral","sentiment_score":0.27210025986035663,"channel":1,"num_words":3,"start":638.7129,"end":639.6129},{"sentences":[{"text":"See you later.","start":639.53296,"end":640.1729,"sentiment":"positive","sentiment_score":0.3596449891726176},{"text":"Bye.","start":640.1729,"end":640.6729,"sentiment":"neutral","sentiment_score":-0.1185307502746582}],"sentiment":"neutral","sentiment_score":0.24010105431079865,"channel":0,"num_words":4,"start":639.53296,"end":640.6729}]},"summary":{"result":"success","short":" Encompass representative apologizes for the long process required to determine Brad's risk of his polycystic kidney disease and promises to keep him updated and fight it harder. The customer is upset that the company hasn't provided proper coverage for a cyst on their kidneys and the agent suggests building a wealth and investing accounts to reduce risk. The agent also suggests building a plan for coverage and exploring other options for coverage. The customer expresses interest in investing and plans to continue researching. The agent promises to keep the customer updated on the outcome and progress."},"intents":{"segments":[{"text":"And I'm discussing your personal information. So I just need to do a quick security check. I'll get you to confirm your full name, your date of birth, and address I should have on file. 05/06/1981.","start_word":94,"end_word":129,"intents":[{"intent":"Check security status","confidence_score":0.016317958}]},{"text":"I've also spoken to our head of advice, and she's giving me some information of their senior underwriter so I can go back and fight that a little bit more for you. But I wanted to come back and just let, like, let you know that I am fighting it. I'm not happy with the decision they've made, and Yeah.","start_word":506,"end_word":565,"intents":[{"intent":"Speak to head of advice","confidence_score":0.00230414}]},{"text":"I did I wanna was sort of push it a bit further for you. yeah.","start_word":566,"end_word":580,"intents":[{"intent":"Push decision","confidence_score":0.755127}]},{"text":"And then I'm trying to find out from them if they because they requested medical history reports as well from your Yeah. doctor.","start_word":634,"end_word":656,"intents":[{"intent":"Find out medical history reports","confidence_score":0.04067182}]},{"text":"Trying to work out if there's anything else that's come back as a result of that. The only answer I was able to get was that we always decline PPD or disability cover under a family history of polycystic kidney disease, but you don't have it. So I'm Yes.","start_word":657,"end_word":705,"intents":[{"intent":"Work out disability cover","confidence_score":0.11845423}]},{"text":"to keep fighting for you and see if I can push this through? Yeah.","start_word":843,"end_word":856,"intents":[{"intent":"Push through application","confidence_score":0.000056376775}]},{"text":"I'm so sorry about the length of time. Is there any questions or anything you might have for me at the moment?","start_word":1143,"end_word":1164,"intents":[{"intent":"Resolve and resolve medical concerns","confidence_score":0.00000594387}]},{"text":"We can, you know, get you to sign something to have your medical records released to other insurers to see what they're going to offer.","start_word":1437,"end_word":1461,"intents":[{"intent":"Offer medical records","confidence_score":0.026626678}]},{"text":"other side of it the other thing we can do to kinda limit the risk is to look at investing outside of super.","start_word":1464,"end_word":1486,"intents":[{"intent":"Limit risk","confidence_score":0.97092676},{"intent":"Limit risk","confidence_score":0.039205562}]},{"text":"Having Yep. insurances because they're paid out of super does provide you with that that level of risk mitigation much easier because you don't have to, you know, have money coming out of your back pocket or missing income. Yep.","start_word":1557,"end_word":1596,"intents":[{"intent":"Provide financial support","confidence_score":0.0688228}]},{"text":"for other clients who aren't able to get cover, I do talk about building investment accounts or putting money away in a savings account and saving, you know, six months worth of living expenses or one year's worth of income aside and having that as Yeah.","start_word":1615,"end_word":1660,"intents":[{"intent":"Build investment accounts","confidence_score":0.44499087}]},{"text":"be good to get some more advice from you and maybe Absolutely. some sort of a plan or whatever.","start_word":1722,"end_word":1740,"intents":[{"intent":"Seek advice","confidence_score":0.031213827}]},{"text":"I'm just trying to set up a bit better for the future. But if yeah.","start_word":1824,"end_word":1838,"intents":[{"intent":"Plan for future","confidence_score":0.014410416}]}]},"sentiments":{"segments":[{"text":"Hello? Brett speaking. Hey, Brad. It's Dana again. Is now a better time for you? Yep. I just thought I I I better answer that way.","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.11137204617261888},{"text":"You're absolutely fine. Honestly, it's all good. I had to book in for a really quick catch up this morning. Is now still gonna be a good time there for you?","start_word":26,"end_word":56,"sentiment":"positive","sentiment_score":0.4781656265258789},{"text":"Yeah. Yeah.","start_word":57,"end_word":58,"sentiment":"neutral","sentiment_score":0.1398012340068817},{"text":"Beautiful.","start_word":59,"end_word":59,"sentiment":"positive","sentiment_score":0.3465649485588074},{"text":"Before we jump into the call, I do have to let you know, would you record our calls for quality and training purposes? Are you happy for me to proceed with that? Sure.","start_word":60,"end_word":92,"sentiment":"neutral","sentiment_score":0.11627734452486038},{"text":"Fantastic.","start_word":93,"end_word":93,"sentiment":"positive","sentiment_score":0.4569596648216248},{"text":"And I'm discussing your personal information. So I just need to do a quick security check. I'll get you to confirm your full name, your date of birth, and address I should have on file. 05/06/1981. Yep. And Bradley Cornish. Yep. And your Is address. that right? Oh, address. 11. Sorry. It's been a long week. I know it's only Wednesday, but it's been a long week. You're fine. Honestly, it's absolutely okay. Yeah. Just your address as well, please, Brad. 11 To 15 Wolf Street Cleveland. Beautiful. Thank you so much for that. I'm firstly, I do wanna apologize for the time it's taken to get this through. Encompass has taken a very long time to assess this, and we had provided them with everything we had upfront.","start_word":94,"end_word":222,"sentiment":"neutral","sentiment_score":-0.015394982881844044},{"text":"And it's honestly not I'm not happy with the time it's taken. And I know Jack's been trying to sort of push it along for you, and then the time frame has been unacceptable.","start_word":223,"end_word":256,"sentiment":"negative","sentiment_score":-0.4312231242656708},{"text":"So I do wanna apologize for that.","start_word":257,"end_word":263,"sentiment":"neutral","sentiment_score":-0.32754072546958923},{"text":"It's by no means preferable.","start_word":264,"end_word":268,"sentiment":"negative","sentiment_score":-0.371502548456192},{"text":"Jack's obviously helping me to try and get Encompass to assess everything as quickly as possible, but they just I don't know.","start_word":269,"end_word":290,"sentiment":"neutral","sentiment_score":-0.22252896428108215},{"text":"They're just taking a desperate Right.","start_word":291,"end_word":296,"sentiment":"negative","sentiment_score":-0.34288087487220764},{"text":"I time. had to try, didn't I? Yeah. Is it Yeah. done now, hon? So they have come back with an answer. I'm not a 100% happy with the answer because, obviously, before we did the advice, we preassessed everything with them. So they actually Yep. knew what they were getting into and had said that they would come back and offer life and TBD. Yep. With after the assessment, the underwriters come back offering life. They've declined TPD on the basis of family history of polycystic kidney disease, but they knew about the family history, and we had provided that originally with the pre assessment.","start_word":297,"end_word":402,"sentiment":"neutral","sentiment_score":-0.18756587550325213},{"text":"So the fact that we've given them all that information and they've taken six months to assess that's really just not okay.","start_word":403,"end_word":424,"sentiment":"negative","sentiment_score":-0.5707205533981323},{"text":"Yeah. The life, accepting life as it is, there is a 75% loading on the life for the risk of polycystic kidney disease, which means that you still can claim on the life cover in the event of, you know, passing away due to the the p c k d. Yep.","start_word":425,"end_word":475,"sentiment":"neutral","sentiment_score":-0.03463607281446457},{"text":"But with the TBD decline, I'm not a 100% happy. So I have gone back and fought that decision for you. I have not had a reply from that.","start_word":476,"end_word":504,"sentiment":"negative","sentiment_score":-0.5443902015686035},{"text":"Okay. I've also spoken to our head of advice, and she's giving me some information of their senior underwriter so I can go back and fight that a little bit more for you. But I wanted to come back and just let, like, let you know that I am fighting it.","start_word":505,"end_word":555,"sentiment":"neutral","sentiment_score":-0.08846121281385422},{"text":"I'm not happy with the decision they've made, and Yeah.","start_word":556,"end_word":565,"sentiment":"negative","sentiment_score":-0.4878084063529968},{"text":"I did I wanna was sort of push it a bit further for you. yeah. Yeah. Well, I don't have TPD. I don't have TPD. I don't have Polycystic Unity. No. Correct. It's the family history side of it, and the it's because of the ultrasound. So with the ultrasound, they had noted the cysts on on the kidneys, and that was kind of where that's come from. And then I'm trying to find out from them if they because they requested medical history reports as well from your Yeah. doctor. Trying to work out if there's anything else that's come back as a result of that. The only answer I was able to get was that we always decline PPD or disability cover under a family history of polycystic kidney disease, but you don't have it. So I'm Yes.","start_word":566,"end_word":705,"sentiment":"neutral","sentiment_score":-0.11433320492506029},{"text":"not happy that they've done the underwriting correctly. I'm not happy with the answer there, and I'm fighting for you on that one because I do believe that we as we preassessed prior, that, realistically, I don't think they've done everything can.","start_word":706,"end_word":747,"sentiment":"negative","sentiment_score":-0.4277154803276062},{"text":"And I feel like, you know, even if they offer a loading, at least they're offering a bit of cover, which is important. We're not asking for a lot. We're only asking for a little bit of cover from them. Yeah. So I do wanna, yeah, so I do wanna fight a bit harder for you. Are you okay with me doing that? I know it means we don't get cover put in force just as yet, and that would make the process a little bit longer. But are you still happy for me Yeah. to keep fighting for you and see if I can push this through? Yeah. Well, we might as well keep going because Yep. we're both Yep. disabled. Yeah. So they might as well do the job properly. Absolutely. And Absolutely. yeah. Like, I'm pretty sure everybody's got cysts on their kidneys. Oh, Well, I've a lot had them. of a lot Absolutely. of people I think Yeah. that it like, everyone's got little cysts on their kidneys. It's a polycystic Yeah. kidney is multiple, which the doctors have told me that I haven't got. You So don't I'm not have? sure why they would come back by that. Yeah. But, Yeah. yeah, make them work harder, Dana. I will. I will for you. I promise. No.","start_word":748,"end_word":968,"sentiment":"neutral","sentiment_score":-0.0656735971570015},{"text":"Thank Thank you you. so much for that. I will Jack and I will keep you updated.","start_word":969,"end_word":985,"sentiment":"positive","sentiment_score":0.4178059995174408},{"text":"I will fight this through a bit harder, and I'll get Jack to give you an update in maybe a week or two to see where we're going. I know some of the updates are just that we don't have information yet, but we'll see what we can do. There is always the risk that they may come back and say there's something else in the doctor's report that decline it, but, look, I'm willing to take that risk because I'm fighting to try and get you something. And, look, as I said, we pre assessed this before we provided the advice. So, you know, we make Yes. reasonable inquiries to base our advice on, and if they come back afterwards and go, well, no. We're not actually, you know, doing that or that's incorrect, then fighting it is the best way forward. So I'll keep I'll keep you updated. Okay? Awesome. Okay. No worries. All good. I'm so sorry about the length of time. Is there any questions or anything you might have for me at the moment? No. No. This time, it's just here. Like I said, Yeah. just do what you can, and I know you guys are doing your best. Absolutely. Yeah.","start_word":986,"end_word":1191,"sentiment":"neutral","sentiment_score":-0.0006000312605818498},{"text":"The communication's been really good. So I'm All I'm good. happy with what you guys are doing. It's obviously Fantastic.","start_word":1192,"end_word":1211,"sentiment":"positive","sentiment_score":0.4547579884529114},{"text":"encompassed that have been a a bit Yeah. a bit of a pain, Insurance really. companies. Like Yeah. Insurance companies. Their job is to yeah. try and get you the least amount of cover or, you know, Of course. cover themselves in the event of a risk. My job is to try and get you the most amount of cover and to, you know, show them how we minimize that risk. So yeah. Yep. Awesome. All good. Alright. I'll let you know how we go either way. There is obviously a risk that I that they may still come back as a decline, and I'll try and find out why, but I do wanna fight it to see if I can push it through based on everything we've provided to them previously. Okay? So if okay. So if they do that, is there someone else we can go to? Or am I just not insurable? We Like, holy moly. we I'm 40 can. five. I'm pretty healthy. Yeah. We can. In saying that insurances are the be all and end all. So whilst, you know, if they come back and give me a a good reason as to why they're declining the TBD and they Yep. don't won't offer it, I can look at other options or other insurers to see if they're willing to. We can, you know, get you to sign something to have your medical records released to other insurers to see what they're going to offer. The Yep. other side of it the other thing we can do to kinda limit the risk is to look at investing outside of super.","start_word":1212,"end_word":1486,"sentiment":"neutral","sentiment_score":0.006305154887112704},{"text":"So building wealth and saving money and maybe building a bit of a nest egg for you.","start_word":1487,"end_word":1503,"sentiment":"positive","sentiment_score":0.5256420969963074},{"text":"So in the event that you can't work or in the event that something happens, instead of claiming on insurances, you have money that you can draw down to back you up as well. So there is other things that we can do, but it also comes down to what you're comfortable with.","start_word":1504,"end_word":1556,"sentiment":"neutral","sentiment_score":0.3105480670928955},{"text":"Having Yep.","start_word":1557,"end_word":1558,"sentiment":"positive","sentiment_score":0.4452535212039947},{"text":"insurances because they're paid out of super does provide you with that that level of risk mitigation much easier because you don't have to, you know, have money coming out of your back pocket or missing income. Yep. It's also the debt with inside super, and you have that cover in the back end. But Yep. for other clients who aren't able to get cover, I do talk about building investment accounts or putting money away in a savings account and saving, you know, six months worth of living expenses or one year's worth of income aside and having that as Yeah. a backup to help mitigate or reduce the risk even further. So there are I other like things that I can help you do. Yeah. yep, I like the sound of wealth building anyway. I I'm Yeah. actually investing in I'm investing at the moment. It's only little, but I've started Yeah. and I've been sort of researching, but it'd Yeah. be good to get some more advice from you and maybe Absolutely. some sort of a plan or whatever. Yep. Absolutely. I'm just using I can absolutely I'll I help can tell you. you what I'm doing. Yeah. I'm just using the razor.","start_word":1559,"end_word":1764,"sentiment":"neutral","sentiment_score":0.14561079442501068},{"text":"Oh, fantastic. That's a great great way to start.","start_word":1765,"end_word":1773,"sentiment":"positive","sentiment_score":0.7972029646237692},{"text":"Yeah. Well, that's what I thought. I mean, I'm just learning about it at the moment. So and it's Yep. obviously sort of similar to what the super is anyway, the ETS. Yes. Yep. So blah blah blah. I don't know any more about it than that. But if yeah. I'm just trying to set up a bit better for the future. But if yeah. Yes. If we can have a chat about that at another time, Abs let's get the insurance done, and then we'll go ahead and just yeah. do some other chat about that. Absolutely. Most definitely. Yeah. I'll put that down as another goal that you've got there. We can most definitely when you're ready, let me know when you're it's comfortable for you, Got and we can certainly have that conversation, look at what your goals are, what you've got available to it. you, you know, whether we can build investment accounts very similar to your suit, but we have access to investment structures, which can be, you know, tax advantaged for you as well. So we can kinda go through all those options and look at what's available, what you've got, what your goals are, and and build a plan around that for you.","start_word":1774,"end_word":1983,"sentiment":"neutral","sentiment_score":0.16461630165576935},{"text":"Absolutely. Very excited. Awesome.","start_word":1984,"end_word":1987,"sentiment":"positive","sentiment_score":0.5564277172088623},{"text":"Yeah. Yeah. No. That's really cool. I'm I'm really interested in that side of things. It's really Yeah. sparked my interest in investing and Fantastic.","start_word":1988,"end_word":2012,"sentiment":"neutral","sentiment_score":0.2847532629966736},{"text":"and living yeah. Just trying to set up for the future.","start_word":2013,"end_word":2023,"sentiment":"positive","sentiment_score":0.35097306966781616},{"text":"You know what I mean? Absolutely.","start_word":2024,"end_word":2029,"sentiment":"neutral","sentiment_score":0.18226978182792664},{"text":"Most definitely. And, look, you're it's you're never too old to start doing it. It's never too late. Starting at any point is better than not starting at all, so that is fantastic. You're doing the right thing.","start_word":2030,"end_word":2067,"sentiment":"positive","sentiment_score":0.4702823460102082},{"text":"Yeah.","start_word":2068,"end_word":2068,"sentiment":"neutral","sentiment_score":0.3320506811141968},{"text":"Cool. Awesome. Yeah. All good. Well, thank you so much for your time today. You have a good day, and do not work too hard. I will go back to, Encompass, and we'll keep fighting this for you.","start_word":2069,"end_word":2106,"sentiment":"positive","sentiment_score":0.47537747025489807},{"text":"And I'll let you know the outcome, and then we'll see where we go from there. Okay?","start_word":2107,"end_word":2123,"sentiment":"neutral","sentiment_score":0.25106531381607056},{"text":"Thanks. Thanks, Dana. My pleasure. You have a lovely day. Let me know if there's anything else that comes up at any point in time. Okay? Appreciate it. You have a good day too. Thanks so much, Brad. Talk to you soon.","start_word":2124,"end_word":2165,"sentiment":"positive","sentiment_score":0.6713807582855225},{"text":"Yeah. Bye bye.","start_word":2166,"end_word":2168,"sentiment":"neutral","sentiment_score":0.27363839745521545},{"text":"See you later.","start_word":2169,"end_word":2171,"sentiment":"positive","sentiment_score":0.360973596572876},{"text":"Bye.","start_word":2172,"end_word":2172,"sentiment":"neutral","sentiment_score":0.17862628400325775}],"average":{"sentiment":"neutral","sentiment_score":0.041176661683128175}}}}