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I I let my my five year old absolutely go ham on chocolate, and he came to me about 1PM. And and he goes, mom, I feel so sick. I was like, yeah, but I based on the amount of rappers that are sitting on the floor, I imagine you would be feeling sick. Oh, they gotta learn it the hard way. Yeah. We all do it. Anyway, the reason for my call today was, obviously, you went through the application with Jack the other day. And just on the back of of going through that application, we obviously always wanna have a look at where things fit before we submit or put you through additional requirements. Right? So what we did is I took your profile to the insurer, and I had a chat to them about what the likely outcome outcome or requirements was gonna be based on the back of the application. You did have a a a bit of a hefty profile with, you know, just the things that you have going on, like, you know, the cholesterol, even though it's controlled, the liver, even though it's controlled, you know, the gout, eczema. All of all of the things kinda compound. And so what they would want is a a doctor's report, which is fine because they just write to your doctor. It's, you know, nothing that you need to do. But but what I often find with these things is that sometimes things pop up in doctor's reports that maybe you may not have been aware of, I e, you you went for a, you know, you went for a check with the the doctor six months ago, and, you know, maybe the cholesterol level was a little bit elevated, but the doctor just put it down to we'll check it in six months' time. That that'll flag for an insurer even though you weren't aware of it. So I wanna change things up a little bit. Still wanna submit the application, but what I wanna do is I wanna actually take the insurance you currently have. So you currently have a million dollars with real insurance that you pay for personally, and then you also have the insurance you have in your care super fund. It covers you off correctly for the life portion because we were writing that 1,100,000.0 in life, but comes close. It's not quite cutting the cutting the grade when it comes to the TPD, but what I wanna do is I wanna consolidate those and do what's called transfer terms. So we actually take over the policy and we get it actually gets pulled straight into your hub account. And then what I wanna do is once those insurance is in, then I'll submit the application through to the insurer. They will still write to your doctor and go through all of those things, But it it just means that if anything happens, if there is a result that pops up from the application, if there's an exclusion or a loading or anything like that that's gonna come, we've already got the the insurance safe and protected there. I will be honest with you and tell you that I do know for a fact that your total permanent disability is going to end up with a mental health exclusion. So if we submit this application, because of the ongoing treatment, whilst it might be controlled, an insurer still sees ongoing treatment as, you know, a flag for them, and so they exclude the condition because it's an active it's an active issue. And I understand that your mental health was triggered by a acute event, but because it has been going on since that that event, it would be excluded, so mental health in general. So it means that any stress leave, anything like that, or total permanent disability would not be covered. So I I do wanna draw your attention to that fact before I do try and submit the application, though. Are you still happy to sort of go ahead with what I wanna do? So we'll transfer the insurance in, which is everything I can I can do everything? I need to ask you six questions, which I'm pretty sure I know the answers to, but I need to ask them anyway. And then I can get that application transferred, get the insurance done. I'll get that done within the week. And then once the insurance is in place, we'll submit the application through to the insurer. But are you happy with that knowing that there will very, very, very likely, like, pretty much the guaranteed be a mental health exclusion? Well, I can still transfer it in, and it won't have an exclusion. I can I can do all the transfer terms? There won't be any exclusion. And then once I mean, once it's all done, if you want, we can reconvene this conversation in a week. So transferring the insurance in, there's not gonna be any exclusions. We're all gonna be kosher. Everything's gonna stand exactly how it sits now. No exclusions, no loading, nothing. And then that gives you a week to kind of think about it. And if you wanna change up where we sit and not go ahead with the application, we can we can also not we can do that. Alright. Cool. So I have been pacing while I'm talking to you rather than pulling up the application because it's been one of those days where I've been chained to my desk. So let me have a quick look, and I'll pull up the application. It's six really easy questions that I just need to ask you as part of, like, the application to transfer the insurance in. You're so fine. Yeah. Still here. Perfect. Beautiful hold music, by the way. So the six questions are, number one, are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis or for at least thirty hours even if you're actually perfect now? In the last twelve months, have you been absent from work or unable to fully perform the duties of your usual occupation or your unpaid domestic duties due to an injury or illness? Perfect. Have you been diagnosed with, or do you suffer from an illness that may cause permanent inability to work or a terminal illness? Have you ever had an insurance application for death only, death and total permanent disability, terminal illness, income protection, or including an accident or sickness cover ever refused? Yep. Have you ever had an insurance application for death only, death, and total permanent disablement, terminal illness, income protection, including an accident or sickness cover ever modified or offered under nonstandard terms in regards to a medical or other condition? And have you ever been paid? Are you eligible to be paid, or are you currently in the process of of submitting a claim for any illness or injuries through the fund, workers' compensation, government benefits, such as a sickness benefit, invalid pension, or any insurance policy providing oh, slash TPD, IP, or an accidental sickness benefit. Perfect. So no work cover claims, nothing like that, then fantastic. Cool. So what I'll do is I I've already submitted what's called an authority to collect information through CareSuper. I'm gonna submit one to Real as well. I submitted one today. And what I'll do is I'll get what's called the certificate of currency from them, which is just literally a statement of the document or a statement of the policy that we'll be able to use to transfer the policies across. I'm gonna send you this application form, which is literally you answering no to those six questions and then your contact information listed on the form. It's 14 pages long, but only, like, three of them are filled out. So it's a multi purpose form. So I will send that to you as well, and we can get that all up and running. Okay? Get that all transferred in. And and then once it's transferred in, I'll give you a call, and we can just have a little bit more of a chat with regards to whether you're comfortable staying where we're at with having the fund the funds transferred in or whether you still wanna proceed with the application net life. Okay. Cool. Alright. Well, let me get this all underway and get this cracking. I love a little pivot. It's always fun to have a little curve full thrown, so we'll get this done, and then we'll go from there. Okay? Amazing. Perfect. No. Thanks so much, Adam. Look forward to speaking to you in a week or so, but I'll get these documents sent to you today. Thanks. 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Adam. Larissa here from o two Financial. How are you going? That's good to hear. How was your Easter?\n\nDid you get a chance to put your feet up, eat way too much chocolate, and regret the day? I I let my my five year old absolutely go ham on chocolate, and he came to me about 1PM. And and he goes, mom, I feel so sick. I was like, yeah, but I based on the amount of rappers that are sitting on the floor, I imagine you would be feeling sick. Oh, they gotta learn it the hard way.\n\nYeah. We all do it. Anyway, the reason for my call today was, obviously, you went through the application with Jack the other day. And just on the back of of going through that application, we obviously always wanna have a look at where things fit before we submit or put you through additional requirements. Right?\n\nSo what we did is I took your profile to the insurer, and I had a chat to them about what the likely outcome outcome or requirements was gonna be based on the back of the application. You did have a a a bit of a hefty profile with, you know, just the things that you have going on, like, you know, the cholesterol, even though it's controlled, the liver, even though it's controlled, you know, the gout, eczema. All of all of the things kinda compound. And so what they would want is a a doctor's report, which is fine because they just write to your doctor. It's, you know, nothing that you need to do.\n\nBut but what I often find with these things is that sometimes things pop up in doctor's reports that maybe you may not have been aware of, I e, you you went for a, you know, you went for a check with the the doctor six months ago, and, you know, maybe the cholesterol level was a little bit elevated, but the doctor just put it down to we'll check it in six months' time. That that'll flag for an insurer even though you weren't aware of it. So I wanna change things up a little bit. Still wanna submit the application, but what I wanna do is I wanna actually take the insurance you currently have. So you currently have a million dollars with real insurance that you pay for personally, and then you also have the insurance you have in your care super fund.\n\nIt covers you off correctly for the life portion because we were writing that 1,100,000.0 in life, but comes close. It's not quite cutting the cutting the grade when it comes to the TPD, but what I wanna do is I wanna consolidate those and do what's called transfer terms. So we actually take over the policy and we get it actually gets pulled straight into your hub account. And then what I wanna do is once those insurance is in, then I'll submit the application through to the insurer. They will still write to your doctor and go through all of those things, But it it just means that if anything happens, if there is a result that pops up from the application, if there's an exclusion or a loading or anything like that that's gonna come, we've already got the the insurance safe and protected there.\n\nI will be honest with you and tell you that I do know for a fact that your total permanent disability is going to end up with a mental health exclusion. So if we submit this application, because of the ongoing treatment, whilst it might be controlled, an insurer still sees ongoing treatment as, you know, a flag for them, and so they exclude the condition because it's an active it's an active issue. And I understand that your mental health was triggered by a acute event, but because it has been going on since that that event, it would be excluded, so mental health in general. So it means that any stress leave, anything like that, or total permanent disability would not be covered. So I I do wanna draw your attention to that fact before I do try and submit the application, though.\n\nAre you still happy to sort of go ahead with what I wanna do? So we'll transfer the insurance in, which is everything I can I can do everything? I need to ask you six questions, which I'm pretty sure I know the answers to, but I need to ask them anyway. And then I can get that application transferred, get the insurance done. I'll get that done within the week.\n\nAnd then once the insurance is in place, we'll submit the application through to the insurer. But are you happy with that knowing that there will very, very, very likely, like, pretty much the guaranteed be a mental health exclusion? Well, I can still transfer it in, and it won't have an exclusion. I can I can do all the transfer terms? There won't be any exclusion.\n\nAnd then once I mean, once it's all done, if you want, we can reconvene this conversation in a week. So transferring the insurance in, there's not gonna be any exclusions. We're all gonna be kosher. Everything's gonna stand exactly how it sits now. No exclusions, no loading, nothing.\n\nAnd then that gives you a week to kind of think about it. And if you wanna change up where we sit and not go ahead with the application, we can we can also not we can do that. Alright. Cool. So I have been pacing while I'm talking to you rather than pulling up the application because it's been one of those days where I've been chained to my desk.\n\nSo let me have a quick look, and I'll pull up the application. It's six really easy questions that I just need to ask you as part of, like, the application to transfer the insurance in. You're so fine. Yeah. Still here.\n\nPerfect. Beautiful hold music, by the way. So the six questions are, number one, are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis or for at least thirty hours even if you're actually perfect now? In the last twelve months, have you been absent from work or unable to fully perform the duties of your usual occupation or your unpaid domestic duties due to an injury or illness? Perfect.\n\nHave you been diagnosed with, or do you suffer from an illness that may cause permanent inability to work or a terminal illness? Have you ever had an insurance application for death only, death and total permanent disability, terminal illness, income protection, or including an accident or sickness cover ever refused? Yep. Have you ever had an insurance application for death only, death, and total permanent disablement, terminal illness, income protection, including an accident or sickness cover ever modified or offered under nonstandard terms in regards to a medical or other condition? And have you ever been paid?\n\nAre you eligible to be paid, or are you currently in the process of of submitting a claim for any illness or injuries through the fund, workers' compensation, government benefits, such as a sickness benefit, invalid pension, or any insurance policy providing oh, slash TPD, IP, or an accidental sickness benefit. Perfect. So no work cover claims, nothing like that, then fantastic. Cool. So what I'll do is I I've already submitted what's called an authority to collect information through CareSuper.\n\nI'm gonna submit one to Real as well. I submitted one today. And what I'll do is I'll get what's called the certificate of currency from them, which is just literally a statement of the document or a statement of the policy that we'll be able to use to transfer the policies across. I'm gonna send you this application form, which is literally you answering no to those six questions and then your contact information listed on the form. It's 14 pages long, but only, like, three of them are filled out.\n\nSo it's a multi purpose form. So I will send that to you as well, and we can get that all up and running. Okay? Get that all transferred in. And and then once it's transferred in, I'll give you a call, and we can just have a little bit more of a chat with regards to whether you're comfortable staying where we're at with having the fund the funds transferred in or whether you still wanna proceed with the application net life.\n\nOkay. Cool. Alright. Well, let me get this all underway and get this cracking. I love a little pivot.\n\nIt's always fun to have a little curve full thrown, so we'll get this done, and then we'll go from there. Okay? Amazing. Perfect. No.\n\nThanks so much, Adam. Look forward to speaking to you in a week or so, but I'll get these documents sent to you today. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Adam.","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.16644613444805145},{"text":"Larissa here from o two Financial.","start":4.3199997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.15630460033814111},{"text":"How are you going?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.24193820357322693},{"text":"That's good to hear.","start":8.96,"end":10.5,"sentiment":"positive","sentiment_score":0.6688440889120102},{"text":"How was your Easter?","start":11.12,"end":12.16,"sentiment":"neutral","sentiment_score":0.12438434083014727}],"sentiment":"neutral","sentiment_score":0.27056932020932434,"num_words":20,"start":3.36,"end":12.16},{"sentences":[{"text":"Did you get a chance to put your feet up, eat way too much chocolate, and regret the day?","start":12.16,"end":16.735,"sentiment":"neutral","sentiment_score":-0.2989846891478488},{"text":"I I let my my five year old absolutely go ham on chocolate, and he came to me about 1PM.","start":20.635,"end":25.035,"sentiment":"negative","sentiment_score":-0.5138500928878784},{"text":"And and he goes, mom, I feel so sick.","start":25.035,"end":27.115,"sentiment":"negative","sentiment_score":-0.6068980031543307},{"text":"I was like, yeah, but I based on the amount of rappers that are sitting on the floor, I imagine you would be feeling sick.","start":27.115,"end":33.88,"sentiment":"negative","sentiment_score":-0.5685386610031128},{"text":"Oh, they gotta learn it the hard way.","start":37.38,"end":39.239998,"sentiment":"negative","sentiment_score":-0.40762632712721825}],"sentiment":"negative","sentiment_score":-0.4801761743463116,"num_words":81,"start":12.16,"end":39.239998},{"sentences":[{"text":"Yeah.","start":42.195,"end":42.695,"sentiment":"neutral","sentiment_score":0.07087717205286026},{"text":"We all do it.","start":43.235,"end":44.295002,"sentiment":"neutral","sentiment_score":0.08530932664871216},{"text":"Anyway, the reason for my call today was, obviously, you went through the application with Jack the other day.","start":47.315002,"end":52.835,"sentiment":"neutral","sentiment_score":0.016650318903358358},{"text":"And just on the back of of going through that application, we obviously always wanna have a look at where things fit before we submit or put you through additional requirements.","start":52.835,"end":63.93,"sentiment":"neutral","sentiment_score":-0.0068142885161984355},{"text":"Right?","start":64.15,"end":64.65,"sentiment":"neutral","sentiment_score":0.021463681012392044}],"sentiment":"neutral","sentiment_score":0.00961948705038854,"num_words":56,"start":42.195,"end":64.65},{"sentences":[{"text":"So what we did is I took your profile to the insurer, and I had a chat to them about what the likely outcome outcome or requirements was gonna be based on the back of the application.","start":66.235,"end":76.735,"sentiment":"neutral","sentiment_score":0.0010601554468676851},{"text":"You did have a a a bit of a hefty profile with, you know, just the things that you have going on, like, you know, the cholesterol, even though it's controlled, the liver, even though it's controlled, you know, the gout, eczema.","start":77.835,"end":88.44,"sentiment":"neutral","sentiment_score":-0.09772659474540324},{"text":"All of all of the things kinda compound.","start":89.38,"end":91.4,"sentiment":"neutral","sentiment_score":-0.07560642063617706},{"text":"And so what they would want is a a doctor's report, which is fine because they just write to your doctor.","start":92.18,"end":98.955,"sentiment":"neutral","sentiment_score":-0.01520828086705435},{"text":"It's, you know, nothing that you need to do.","start":98.955,"end":100.895,"sentiment":"neutral","sentiment_score":-0.02291642626126607}],"sentiment":"neutral","sentiment_score":-0.044408242114716105,"num_words":117,"start":66.235,"end":100.895},{"sentences":[{"text":"But but what I often find with these things is that sometimes things pop up in doctor's reports that maybe you may not have been aware of, I e, you you went for a, you know, you went for a check with the the doctor six months ago, and, you know, maybe the cholesterol level was a little bit elevated, but the doctor just put it down to we'll check it in six months' time.","start":101.835,"end":120.78,"sentiment":"neutral","sentiment_score":-0.13967268391201892},{"text":"That that'll flag for an insurer even though you weren't aware of it.","start":121.8,"end":125.295,"sentiment":"neutral","sentiment_score":-0.1659158244729042},{"text":"So I wanna change things up a little bit.","start":127.215,"end":129.635,"sentiment":"neutral","sentiment_score":0.2513241751326455},{"text":"Still wanna submit the application, but what I wanna do is I wanna actually take the insurance you currently have.","start":129.775,"end":135.61499,"sentiment":"positive","sentiment_score":0.35079979002475736},{"text":"So you currently have a million dollars with real insurance that you pay for personally, and then you also have the insurance you have in your care super fund.","start":135.61499,"end":143.70999,"sentiment":"neutral","sentiment_score":0.2963022733556813}],"sentiment":"neutral","sentiment_score":0.03587891981133247,"num_words":146,"start":101.835,"end":143.70999},{"sentences":[{"text":"It covers you off correctly for the life portion because we were writing that 1,100,000.0 in life, but comes close.","start":144.33,"end":152.19,"sentiment":"neutral","sentiment_score":0.11680188737809657},{"text":"It's not quite cutting the cutting the grade when it comes to the TPD, but what I wanna do is I wanna consolidate those and do what's called transfer terms.","start":153.135,"end":160.435,"sentiment":"neutral","sentiment_score":0.036803493400414784},{"text":"So we actually take over the policy and we get it actually gets pulled straight into your hub account.","start":160.575,"end":165.875,"sentiment":"neutral","sentiment_score":0.1901894007858477},{"text":"And then what I wanna do is once those insurance is in, then I'll submit the application through to the insurer.","start":167.93,"end":174.11,"sentiment":"neutral","sentiment_score":0.19614958195459276},{"text":"They will still write to your doctor and go through all of those things, But it it just means that if anything happens, if there is a result that pops up from the application, if there's an exclusion or a loading or anything like that that's gonna come, we've already got the the insurance safe and protected there.","start":174.41,"end":192.21,"sentiment":"neutral","sentiment_score":0.1383544736509693}],"sentiment":"neutral","sentiment_score":0.1297124449818118,"num_words":148,"start":144.33,"end":192.21},{"sentences":[{"text":"I will be honest with you and tell you that I do know for a fact that your total permanent disability is going to end up with a mental health exclusion.","start":192.69,"end":199.19,"sentiment":"negative","sentiment_score":-0.36389738753918677},{"text":"So if we submit this application, because of the ongoing treatment, whilst it might be controlled, an insurer still sees ongoing treatment as, you know, a flag for them, and so they exclude the condition because it's an active it's an active issue.","start":202.29001,"end":219.62001,"sentiment":"neutral","sentiment_score":-0.15723687020498653},{"text":"And I understand that your mental health was triggered by a acute event, but because it has been going on since that that event, it would be excluded, so mental health in general.","start":219.76001,"end":234.41501,"sentiment":"neutral","sentiment_score":-0.2561332872419646},{"text":"So it means that any stress leave, anything like that, or total permanent disability would not be covered.","start":234.41501,"end":239.475,"sentiment":"negative","sentiment_score":-0.3881361765993966},{"text":"So I I do wanna draw your attention to that fact before I do try and submit the application, though.","start":240.895,"end":246.435,"sentiment":"neutral","sentiment_score":-0.010109927877783776}],"sentiment":"neutral","sentiment_score":-0.23229691481281972,"num_words":145,"start":192.69,"end":246.435},{"sentences":[{"text":"Are you still happy to sort of go ahead with what I wanna do?","start":248.4,"end":250.95999,"sentiment":"neutral","sentiment_score":0.280974064554487},{"text":"So we'll transfer the insurance in, which is everything I can I can do everything?","start":250.95999,"end":254.23999,"sentiment":"neutral","sentiment_score":0.1636977141102155},{"text":"I need to ask you six questions, which I'm pretty sure I know the answers to, but I need to ask them anyway.","start":254.23999,"end":259.86,"sentiment":"neutral","sentiment_score":0.0010017231916603835},{"text":"And then I can get that application transferred, get the insurance done.","start":260.605,"end":264.705,"sentiment":"neutral","sentiment_score":0.18088936681548753},{"text":"I'll get that done within the week.","start":264.76498,"end":266.285,"sentiment":"neutral","sentiment_score":0.20135981483118875}],"sentiment":"neutral","sentiment_score":0.1407370894989917,"num_words":71,"start":248.4,"end":266.285},{"sentences":[{"text":"And then once the insurance is in place, we'll submit the application through to the insurer.","start":266.285,"end":270.865,"sentiment":"neutral","sentiment_score":0.07749450637493283},{"text":"But are you happy with that knowing that there will very, very, very likely, like, pretty much the guaranteed be a mental health exclusion?","start":274.14,"end":283.68002,"sentiment":"neutral","sentiment_score":-0.2582324258983135},{"text":"Well, I can still transfer it in, and it won't have an exclusion.","start":292.475,"end":295.455,"sentiment":"neutral","sentiment_score":0.08892552726543866},{"text":"I can I can do all the transfer terms?","start":295.675,"end":297.51498,"sentiment":"neutral","sentiment_score":0.12285917417870627},{"text":"There won't be any exclusion.","start":297.51498,"end":298.735,"sentiment":"neutral","sentiment_score":0.1080955907702446}],"sentiment":"neutral","sentiment_score":-0.032170503636571895,"num_words":67,"start":266.285,"end":298.735},{"sentences":[{"text":"And then once I mean, once it's all done, if you want, we can reconvene this conversation in a week.","start":299.24,"end":303.66,"sentiment":"neutral","sentiment_score":0.1846133604645729},{"text":"So transferring the insurance in, there's not gonna be any exclusions.","start":304.2,"end":307.24,"sentiment":"neutral","sentiment_score":0.24028335376219315},{"text":"We're all gonna be kosher.","start":307.24,"end":308.28,"sentiment":"neutral","sentiment_score":0.3245594620704651},{"text":"Everything's gonna stand exactly how it sits now.","start":308.28,"end":310.36002,"sentiment":"neutral","sentiment_score":0.2511208951473236},{"text":"No exclusions, no loading, nothing.","start":310.36002,"end":312.22,"sentiment":"neutral","sentiment_score":-0.013140461221337319}],"sentiment":"neutral","sentiment_score":0.20207033196122062,"num_words":49,"start":299.24,"end":312.22},{"sentences":[{"text":"And then that gives you a week to kind of think about it.","start":312.775,"end":314.935,"sentiment":"neutral","sentiment_score":0.04619843254868801},{"text":"And if you wanna change up where we sit and not go ahead with the application, we can we can also not we can do that.","start":314.935,"end":323.51498,"sentiment":"neutral","sentiment_score":-0.1240339670330286},{"text":"Alright.","start":326.23,"end":326.63,"sentiment":"neutral","sentiment_score":0.13235360383987427},{"text":"Cool.","start":326.63,"end":327.13,"sentiment":"neutral","sentiment_score":0.22146284580230713},{"text":"So I have been pacing while I'm talking to you rather than pulling up the application because it's been one of those days where I've been chained to my desk.","start":327.51,"end":337.93,"sentiment":"neutral","sentiment_score":0.007217711582779884}],"sentiment":"neutral","sentiment_score":-0.02892895383943974,"num_words":71,"start":312.775,"end":337.93},{"sentences":[{"text":"So let me have a quick look, and I'll pull up the application.","start":340.355,"end":342.435,"sentiment":"neutral","sentiment_score":0.125126855304608},{"text":"It's six really easy questions that I just need to ask you as part of, like, the application to transfer the insurance in.","start":342.435,"end":348.135,"sentiment":"neutral","sentiment_score":0.20035478407921997},{"text":"You're so fine.","start":349.315,"end":350.215,"sentiment":"neutral","sentiment_score":0.17639769117037454},{"text":"Yeah.","start":397.295,"end":397.615,"sentiment":"neutral","sentiment_score":0.06391540169715881},{"text":"Still here.","start":397.615,"end":398.435,"sentiment":"neutral","sentiment_score":0.07216759957373142}],"sentiment":"neutral","sentiment_score":0.16600601969375497,"num_words":42,"start":340.355,"end":398.435},{"sentences":[{"text":"Perfect.","start":400.83002,"end":401.33002,"sentiment":"positive","sentiment_score":0.5321576595306396},{"text":"Beautiful hold music, by the way.","start":401.39,"end":403.09003,"sentiment":"positive","sentiment_score":0.4744502007961273},{"text":"So the six questions are, number one, are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis or for at least thirty hours even if you're actually perfect now?","start":405.87003,"end":420.425,"sentiment":"neutral","sentiment_score":-0.01324104660803952},{"text":"In the last twelve months, have you been absent from work or unable to fully perform the duties of your usual occupation or your unpaid domestic duties due to an injury or illness?","start":420.965,"end":430.345,"sentiment":"neutral","sentiment_score":-0.13555337262876105},{"text":"Perfect.","start":433.34,"end":433.74,"sentiment":"neutral","sentiment_score":0.06404467672109604}],"sentiment":"neutral","sentiment_score":-0.019185861788417507,"num_words":82,"start":400.83002,"end":433.74},{"sentences":[{"text":"Have you been diagnosed with, or do you suffer from an illness that may cause permanent inability to work or a terminal illness?","start":433.74,"end":438.96,"sentiment":"neutral","sentiment_score":-0.09753134976262631},{"text":"Have you ever had an insurance application for death only, death and total permanent disability, terminal illness, income protection, or including an accident or sickness cover ever refused?","start":444.855,"end":456.555,"sentiment":"neutral","sentiment_score":-0.13262844511440822},{"text":"Yep.","start":457.92,"end":458.42,"sentiment":"neutral","sentiment_score":-0.10426335036754608},{"text":"Have you ever had an insurance application for death only, death, and total permanent disablement, terminal illness, income protection, including an accident or sickness cover ever modified or offered under nonstandard terms in regards to a medical or other condition?","start":459.6,"end":472.42,"sentiment":"neutral","sentiment_score":-0.13669764269143342},{"text":"And have you ever been paid?","start":475.325,"end":476.52502,"sentiment":"neutral","sentiment_score":0.0034417827846482396}],"sentiment":"neutral","sentiment_score":-0.11743199866388601,"num_words":98,"start":433.74,"end":476.52502},{"sentences":[{"text":"Are you eligible to be paid, or are you currently in the process of of submitting a claim for any illness or injuries through the fund, workers' compensation, government benefits, such as a sickness benefit, invalid pension, or any insurance policy providing oh, slash TPD, IP, or an accidental sickness benefit.","start":476.52502,"end":494.9,"sentiment":"neutral","sentiment_score":0.002260507814878342},{"text":"Perfect.","start":494.9,"end":495.4,"sentiment":"positive","sentiment_score":0.6448780298233032},{"text":"So no work cover claims, nothing like that, then fantastic.","start":496.5,"end":499.24,"sentiment":"positive","sentiment_score":0.4233344614505768},{"text":"Cool.","start":500.595,"end":500.915,"sentiment":"positive","sentiment_score":0.4344667196273804},{"text":"So what I'll do is I I've already submitted what's called an authority to collect information through CareSuper.","start":500.915,"end":507.655,"sentiment":"neutral","sentiment_score":0.06193113782339626}],"sentiment":"neutral","sentiment_score":0.08077451534983185,"num_words":81,"start":476.52502,"end":507.655},{"sentences":[{"text":"I'm gonna submit one to Real as well.","start":508.27502,"end":510.535,"sentiment":"neutral","sentiment_score":0.01803290913812816},{"text":"I submitted one today.","start":510.915,"end":512.29504,"sentiment":"neutral","sentiment_score":0.09319575503468513},{"text":"And what I'll do is I'll get what's called the certificate of currency from them, which is just literally a statement of the document or a statement of the policy that we'll be able to use to transfer the policies across.","start":513.25,"end":526.55,"sentiment":"neutral","sentiment_score":0.05836618500875264},{"text":"I'm gonna send you this application form, which is literally you answering no to those six questions and then your contact information listed on the form.","start":526.96497,"end":536.805,"sentiment":"neutral","sentiment_score":0.08642128611413333},{"text":"It's 14 pages long, but only, like, three of them are filled out.","start":536.805,"end":540.09,"sentiment":"neutral","sentiment_score":0.05522898298043471}],"sentiment":"neutral","sentiment_score":0.06385858800343197,"num_words":92,"start":508.27502,"end":540.09},{"sentences":[{"text":"So it's a multi purpose form.","start":540.33,"end":541.95,"sentiment":"neutral","sentiment_score":0.07145080529153347},{"text":"So I will send that to you as well, and we can get that all up and running.","start":542.65,"end":548.51,"sentiment":"neutral","sentiment_score":0.17821677111917072},{"text":"Okay?","start":548.57,"end":549.05005,"sentiment":"neutral","sentiment_score":0.11580953747034071},{"text":"Get that all transferred in.","start":549.05005,"end":550.59,"sentiment":"neutral","sentiment_score":0.10710655003786088},{"text":"And and then once it's transferred in, I'll give you a call, and we can just have a little bit more of a chat with regards to whether you're comfortable staying where we're at with having the fund the funds transferred in or whether you still wanna proceed with the application net life.","start":550.73004,"end":568.49,"sentiment":"neutral","sentiment_score":0.06105352484814401}],"sentiment":"neutral","sentiment_score":0.09064802188560905,"num_words":83,"start":540.33,"end":568.49},{"sentences":[{"text":"Okay.","start":568.63,"end":569.13,"sentiment":"neutral","sentiment_score":0.2129775732755661},{"text":"Cool.","start":570.15,"end":570.65,"sentiment":"neutral","sentiment_score":0.2958149313926697},{"text":"Alright.","start":571.11,"end":571.59,"sentiment":"neutral","sentiment_score":0.24067102372646332},{"text":"Well, let me get this all underway and get this cracking.","start":571.59,"end":573.93,"sentiment":"neutral","sentiment_score":0.29489304938099603},{"text":"I love a little pivot.","start":574.23,"end":575.27,"sentiment":"positive","sentiment_score":0.38397170305252076}],"sentiment":"neutral","sentiment_score":0.3112181887814873,"num_words":19,"start":568.63,"end":575.27},{"sentences":[{"text":"It's always fun to have a little curve full thrown, so we'll get this done, and then we'll go from there.","start":575.27,"end":580.95,"sentiment":"neutral","sentiment_score":0.28921733796596527},{"text":"Okay?","start":580.95,"end":581.45,"sentiment":"neutral","sentiment_score":0.09456489980220796},{"text":"Amazing.","start":583.635,"end":584.135,"sentiment":"positive","sentiment_score":0.8479045629501343},{"text":"Perfect.","start":584.275,"end":584.755,"sentiment":"positive","sentiment_score":0.7969274520874023},{"text":"No.","start":584.755,"end":584.99506,"sentiment":"positive","sentiment_score":0.4607684016227722}],"sentiment":"neutral","sentiment_score":0.3309491765499115,"num_words":25,"start":575.27,"end":584.99506},{"sentences":[{"text":"Thanks so much, Adam.","start":584.99506,"end":585.955,"sentiment":"positive","sentiment_score":0.7601274996995926},{"text":"Look forward to speaking to you in a week or so, but I'll get these documents sent to you 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Calling group. Okay. Thank you. Yeah. Yeah. A little bit. Yeah. I will. Yeah. That's it. The only way to laugh. Yeah. That's it. That's it. Yeah. Yeah. Okay. Yep. Okay. Yep. Yeah. I'm in. Yep. Okay. Yep. Yep. Okay. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yep. Okay. Yep. Okay. Yeah. Yeah. Okay. Okay. Yeah. Okay. Hey. Can we hold on to the real one? Yeah. Yeah. I got it. Yeah. Yeah. I got that. Yeah. No worries. Yeah. Hold on a second. Hello. You're there? Yep. Alright. Alright. I might have it. I haven't done. And what happened? No. No. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. I got that. No worries. I got that. No worries. All good. Okay. Thank you. Bye. 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Calling group. Okay. Thank you. Yeah.\n\nYeah. A little bit. Yeah. I will. Yeah.\n\nThat's it. The only way to laugh. Yeah. That's it. That's it.\n\nYeah. Yeah. Okay. Yep. Okay.\n\nYep. Yeah. I'm in. Yep. Okay.\n\nYep. Yep. Okay. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yep.\n\nOkay. Yep. Okay. Yeah. Yeah.\n\nOkay. Okay. Yeah. Okay. Hey.\n\nCan we hold on to the real one? Yeah. Yeah. I got it. Yeah.\n\nYeah. I got that. Yeah. No worries. Yeah.\n\nHold on a second. Hello. You're there? Yep. Alright.\n\nAlright. I might have it. I haven't done. And what happened? No.\n\nNo. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. I got that. No worries.\n\nI got that. No worries. All good. Okay. Thank you.\n\nBye. 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we hold on to the real one?","start":288.49,"end":290.50998,"sentiment":"neutral","sentiment_score":-0.033500604098662734},{"text":"Yeah.","start":304.385,"end":304.885,"sentiment":"neutral","sentiment_score":0.29047200083732605},{"text":"Yeah.","start":309.54,"end":310.04,"sentiment":"neutral","sentiment_score":0.1904454380273819},{"text":"I got it.","start":312.267,"end":318.221,"sentiment":"neutral","sentiment_score":-0.005615415051579475},{"text":"Yeah.","start":320.448,"end":320.948,"sentiment":"neutral","sentiment_score":-0.11059530824422836}],"sentiment":"neutral","sentiment_score":0.006105075191174235,"num_words":14,"start":288.49,"end":320.948},{"sentences":[{"text":"Yeah.","start":324.13498,"end":324.375,"sentiment":"neutral","sentiment_score":-0.0630745217204094},{"text":"I got 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happened?","start":473.465,"end":474.285,"sentiment":"neutral","sentiment_score":-0.09152195602655411},{"text":"No.","start":489.22,"end":489.72,"sentiment":"neutral","sentiment_score":-0.04546064883470535}],"sentiment":"neutral","sentiment_score":-0.09457525226753205,"num_words":12,"start":430.96,"end":489.72},{"sentences":[{"text":"No.","start":508.685,"end":508.765,"sentiment":"neutral","sentiment_score":-0.001723049208521843},{"text":"Yep.","start":508.765,"end":509.265,"sentiment":"neutral","sentiment_score":0.011117152869701384},{"text":"Yep.","start":510.57,"end":511.07,"sentiment":"neutral","sentiment_score":0.08394231647253036},{"text":"Yep.","start":516.7125,"end":517.2125,"sentiment":"neutral","sentiment_score":0.061428338289260864},{"text":"Yeah.","start":523.65497,"end":524.15497,"sentiment":"neutral","sentiment_score":0.0668088048696518}],"sentiment":"neutral","sentiment_score":0.04431471265852451,"num_words":5,"start":508.685,"end":524.15497},{"sentences":[{"text":"Yeah.","start":540.75,"end":541.25,"sentiment":"neutral","sentiment_score":0.04356126487255096},{"text":"Yeah.","start":551.07,"end":551.57,"sentiment":"neutral","sentiment_score":0.06661196053028107},{"text":"Yeah.","start":566.5,"end":566.74005,"sentiment":"neutral","sentiment_score":0.08916899561882019},{"text":"I 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Calling group.\n\nChannel 0: Hi, Adam. Larissa here from o two Financial. How are you going?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: That's good to hear. How was your Easter? Did you get a chance to put your feet up, eat way too much chocolate, and regret the day?\n\nChannel 1: Yeah. Yeah. A little bit.\n\nChannel 0: I I let my my five year old absolutely go ham on chocolate, and he came to me about 1PM. And and he goes, mom, I feel so sick. I was like, yeah, but I based on the amount of rappers that are sitting on the floor, I imagine you would be feeling sick.\n\nChannel 1: Yeah. I will.\n\nChannel 0: Oh, they gotta learn it the hard way.\n\nChannel 1: Yeah. That's it. The only way to laugh.\n\nChannel 0: Yeah. We all do it.\n\nChannel 1: Yeah. That's it. That's\n\nChannel 0: Anyway,\n\nChannel 1: it.\n\nChannel 0: the reason for my call today was, obviously, you went through the application with Jack the other day. And just on the back of of going through that application, we obviously always wanna have a look at where things fit before we submit or put you through additional requirements. Right?\n\nChannel 1: Yeah.\n\nChannel 0: So what we did is I took your profile to the insurer, and I had a chat to them about what the likely outcome outcome or requirements was gonna be based on the back of the application. You did have a a a bit of a hefty profile with, you know, just the things that you have going on, like, you know, the cholesterol, even though it's controlled, the liver, even though it's controlled, you know, the gout, eczema. All of all\n\nChannel 1: Yeah.\n\nChannel 0: of the things kinda compound. And so what they would want is a a doctor's report, which is fine because they just write to your doctor. It's, you know, nothing that you need to do.\n\nChannel 1: Okay.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: but what I often find with these things is that sometimes things pop up in doctor's reports that maybe you may not have been aware of, I\n\nChannel 1: Okay.\n\nChannel 0: e,\n\nChannel 1: Yep.\n\nChannel 0: you you went for a, you know, you went for a check with the the doctor six months ago, and, you know, maybe the cholesterol level was a little bit elevated, but the doctor just put it down to we'll check it in six months' time.\n\nChannel 1: Yeah. I'm in.\n\nChannel 0: That\n\nChannel 1: Yep.\n\nChannel 0: that'll flag for an insurer even though you weren't aware of it.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So I wanna change things up a little bit. Still wanna submit the application, but what I wanna do is I wanna actually take the insurance you currently have. So you currently have a million dollars with real insurance that you pay for personally, and then\n\nChannel 1: Yep.\n\nChannel 0: you also have the insurance you have in your care super fund. It\n\nChannel 1: Okay.\n\nChannel 0: covers\n\nChannel 1: Yeah.\n\nChannel 0: you off correctly for the life portion because we were writing that 1,100,000.0 in life, but comes close.\n\nChannel 1: Yeah.\n\nChannel 0: It's not quite cutting the cutting the grade when it comes to the TPD, but what I wanna do is I wanna consolidate those and do what's called transfer terms. So we actually\n\nChannel 1: Yeah.\n\nChannel 0: take over the policy and we get it actually gets pulled straight into your hub account.\n\nChannel 1: Yep.\n\nChannel 0: And then what I wanna do is once those insurance is in, then I'll submit the application through to the insurer. They will still write to your doctor and go through all of those things,\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: But it it just means that if anything happens, if there is a result that pops up from the application, if there's an exclusion or a loading or anything like that that's gonna come, we've already got the the insurance safe and protected there. I will\n\nChannel 1: Okay.\n\nChannel 0: be honest\n\nChannel 1: Yep.\n\nChannel 0: with you and tell you that I do know for a fact that your total permanent disability is going to end up with a mental health exclusion. So if we submit\n\nChannel 1: Okay.\n\nChannel 0: this\n\nChannel 1: Yeah.\n\nChannel 0: application, because of the ongoing treatment, whilst it might be controlled, an insurer still sees ongoing treatment as, you know, a flag for them, and so they exclude the condition because it's an active it's an active issue. And I understand that your mental health was triggered by a acute event,\n\nChannel 1: Yeah.\n\nChannel 0: but because it has been going on since that that event, it would be excluded, so mental health in general. So it means that any stress leave, anything like that, or total permanent disability would not be covered. So I I do wanna draw your attention to that fact before I do try and submit the application, though.\n\nChannel 1: Okay.\n\nChannel 0: Are you still happy to sort of go ahead with what I wanna do? So we'll transfer the insurance in, which is everything I can I can do everything? I need to ask you six questions, which I'm pretty sure I know the answers to, but I need to ask them anyway. And then I can get that application transferred, get the insurance done. I'll get that done within the week.\n\nAnd then once the insurance is in place, we'll submit the application through to the insurer.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: But are you happy with that knowing that there will very, very, very likely, like, pretty much the guaranteed be a mental health exclusion?\n\nChannel 1: Okay. Hey. Can we hold on to the real one?\n\nChannel 0: Well, I can still transfer it in, and it won't have an exclusion. I can I can do all the transfer terms? There won't be any exclusion. And then once I mean, once it's all done, if you want, we can reconvene this conversation in a week. So\n\nChannel 1: Yeah.\n\nChannel 0: transferring the insurance in, there's not gonna be any exclusions. We're all gonna be kosher. Everything's gonna stand exactly how\n\nChannel 1: Yeah.\n\nChannel 0: it sits now. No exclusions, no loading, nothing.\n\nChannel 1: I\n\nChannel 0: And then that gives you a week to kind of think about it. And\n\nChannel 1: got\n\nChannel 0: if you wanna change up\n\nChannel 1: it.\n\nChannel 0: where we sit and not go ahead with the application,\n\nChannel 1: Yeah.\n\nChannel 0: we can we can also not we can do that.\n\nChannel 1: Yeah. I got that. Yeah. No worries.\n\nChannel 0: Alright. Cool. So I have been pacing while I'm talking to you rather than pulling up the application because it's been one of those days where I've been chained to my desk. So let me have a quick look, and I'll pull up the application. It's six really easy questions that I just need to ask you as part of, like, the application to transfer the insurance\n\nChannel 1: Yeah.\n\nChannel 0: in.\n\nChannel 1: Hold on a second.\n\nChannel 0: You're so fine.\n\nChannel 1: Hello. You're there?\n\nChannel 0: Yeah. Still here.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Beautiful hold music, by the way. So the six questions are, number one, are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis\n\nChannel 1: Alright.\n\nChannel 0: or for at least thirty hours even if you're actually perfect now? In the last twelve months, have you been absent from work or unable to fully perform the duties of your usual occupation or your unpaid domestic duties due to an injury or illness?\n\nChannel 1: Alright.\n\nChannel 0: Perfect. Have you been diagnosed with, or do you suffer from an illness that may cause permanent inability to work or a terminal illness?\n\nChannel 1: I might have it.\n\nChannel 0: Have you ever had an insurance application for death only, death and total permanent disability, terminal illness, income protection, or including an accident or sickness cover ever refused?\n\nChannel 1: I haven't\n\nChannel 0: Yep.\n\nChannel 1: done.\n\nChannel 0: Have you ever had an insurance application for death only, death, and total permanent disablement, terminal illness, income protection, including an accident or sickness cover ever modified or offered under nonstandard terms in regards to a medical or other condition?\n\nChannel 1: And what happened?\n\nChannel 0: And have you ever been paid? Are you eligible to be paid, or are you currently in the process of of submitting a claim for any illness or injuries through the fund, workers' compensation, government benefits, such as a sickness benefit, invalid pension, or any insurance policy\n\nChannel 1: No.\n\nChannel 0: providing oh, slash TPD, IP, or an accidental sickness benefit. Perfect. So no work cover claims, nothing like that, then fantastic. Cool. So what I'll do is I I've already submitted what's called an authority to collect information through CareSuper.\n\nI'm gonna submit\n\nChannel 1: No. Yep.\n\nChannel 0: one to Real as well.\n\nChannel 1: Yep.\n\nChannel 0: I submitted one today. And what I'll do is I'll get what's called the certificate of currency from them,\n\nChannel 1: Yep.\n\nChannel 0: which is just literally a statement of the document or a statement of the policy that we'll\n\nChannel 1: Yeah.\n\nChannel 0: be able to use to transfer the policies across. I'm gonna send you this application form, which is literally you answering no to those six questions and then your contact information listed on the form. It's 14 pages long, but only, like, three of them are filled out. So it's a multi\n\nChannel 1: Yeah.\n\nChannel 0: purpose form. So I will send that to you as well, and we can get that all up and running. Okay? Get that all transferred in. And\n\nChannel 1: Yeah.\n\nChannel 0: and then once it's transferred in, I'll give you a call, and we can just have a little bit more of a chat with regards to whether you're comfortable staying where we're at with having the fund the funds transferred in or whether you still wanna proceed with the application net\n\nChannel 1: Yeah. I got that. No worries.\n\nChannel 0: life. Okay. Cool. Alright. Well, let me get this all underway and get this cracking.\n\nI love a little pivot. It's always fun to have a little curve full thrown, so we'll get this done, and then we'll go from there. Okay?\n\nChannel 1: I got that. No worries. All good.\n\nChannel 0: Amazing. Perfect. No. Thanks so much, Adam. Look forward to speaking to you in a week or so, but I'll get these documents sent to you today.\n\nChannel 1: Okay. Thank you. Bye.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello, Jimmy.","start":1.1999999,"end":1.92,"sentiment":"neutral","sentiment_score":0.05727040395140648},{"text":"Calling group.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.03850163333117962}],"sentiment":"neutral","sentiment_score":0.04788601864129305,"channel":1,"num_words":4,"start":1.1999999,"end":2.74},{"sentences":[{"text":"Hi, Adam.","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.16644613444805145},{"text":"Larissa here from o two Financial.","start":4.3199997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.15630460033814111},{"text":"How are you 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you.","start":590.945,"end":591.745,"sentiment":"positive","sentiment_score":0.6905247867107391},{"text":"Bye.","start":591.745,"end":592.245,"sentiment":"positive","sentiment_score":0.36719387769699097}],"sentiment":"positive","sentiment_score":0.5316210761666298,"channel":1,"num_words":4,"start":590.465,"end":592.245},{"sentences":[{"text":"Thanks.","start":592.515,"end":593.015,"sentiment":"positive","sentiment_score":0.5983933210372925},{"text":"Bye.","start":593.075,"end":593.575,"sentiment":"neutral","sentiment_score":0.2779510021209717}],"sentiment":"positive","sentiment_score":0.4381721615791321,"channel":0,"num_words":2,"start":592.515,"end":593.575},{"sentences":[{"text":"Bye.","start":593.905,"end":594.405,"sentiment":"neutral","sentiment_score":-0.1237909123301506}],"sentiment":"neutral","sentiment_score":-0.1237909123301506,"channel":1,"num_words":1,"start":593.905,"end":594.405}]},"summary":{"result":"success","short":"Larsissa from o two Financial contacts Adam to discuss his application and potential requirements. They want a doctor's report and will consolidate insurance and submit the application. Adam confirms his interest and the agent explains that he will need to answer six questions before submitting the application. The agent will need to fill out a form to transfer his insurance to his hub account and will send him an application form and call him back to discuss transferring his insurance to his hub account."},"intents":{"segments":[{"text":"the reason for my call today was, obviously, you went through the application with Jack the other day. And just on the back of of going through that application, we obviously always wanna have a look at where things fit before we submit or put you through additional requirements. Right? Yeah.","start_word":135,"end_word":185,"intents":[{"intent":"Educate about application requirements","confidence_score":0.0006831446}]},{"text":"Still wanna submit the application, but what I wanna do is I wanna actually take the insurance you currently have. So you currently have a million dollars with real insurance that you pay for personally, and then Yep. you also have the insurance you have in your care super fund. It Okay. covers Yeah.","start_word":411,"end_word":464,"intents":[{"intent":"Submit application for insurance","confidence_score":0.0011122292}]},{"text":"It's not quite cutting the cutting the grade when it comes to the TPD, but what I wanna do is I wanna consolidate those and do what's called transfer terms.","start_word":484,"end_word":513,"intents":[{"intent":"Consolidate insurance coverage","confidence_score":0.0055120313}]},{"text":"application, because of the ongoing treatment, whilst it might be controlled, an insurer still sees ongoing treatment as, you know, a flag for them, and so they exclude the condition because it's an active it's an active issue.","start_word":657,"end_word":694,"intents":[{"intent":"Apply for insurance","confidence_score":0.0023952897}]},{"text":"Are you eligible to be paid, or are you currently in the process of of submitting a claim for any illness or injuries through the fund, workers' compensation, government benefits, such as a sickness benefit, invalid pension, or any insurance policy No.","start_word":1294,"end_word":1335,"intents":[{"intent":"Submit claim","confidence_score":0.42388463}]},{"text":"And what I'll do is I'll get what's called the certificate of currency from them, Yep. which is just literally a statement of the document or a statement of the policy that we'll Yeah.","start_word":1391,"end_word":1424,"intents":[{"intent":"Request certificate of currency","confidence_score":0.051690225}]},{"text":"be able to use to transfer the policies across.","start_word":1425,"end_word":1433,"intents":[{"intent":"Transfer policy","confidence_score":0.42451575}]},{"text":"and then once it's transferred in, I'll give you a call, and we can just have a little bit more of a chat with regards to whether you're comfortable staying where we're at with having the fund the funds transferred in or whether you still wanna proceed with the application net Yeah.","start_word":1506,"end_word":1557,"intents":[{"intent":"Chat with about staying place","confidence_score":0.0001374481}]},{"text":"Well, let me get this all underway and get this cracking. I love a little pivot. It's always fun to have a little curve full thrown, so we'll get this done, and then we'll go from there. Okay? I got that.","start_word":1567,"end_word":1607,"intents":[{"intent":"Complete application","confidence_score":0.101308}]}]},"sentiments":{"segments":[{"text":"Hello, Jimmy. Calling group. Hi, Adam. Larissa here from o two Financial. How are you going?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.13954582810401917},{"text":"Okay. Thank you. That's good to hear.","start_word":16,"end_word":22,"sentiment":"positive","sentiment_score":0.5936185121536255},{"text":"How was your Easter? Did you get a chance to put your feet up, eat way too much chocolate, and regret the day? Yeah. Yeah. A little bit.","start_word":23,"end_word":50,"sentiment":"neutral","sentiment_score":-0.2322574406862259},{"text":"I I let my my five year old absolutely go ham on chocolate, and he came to me about 1PM. And and he goes, mom, I feel so sick. I was like, yeah, but I based on the amount of rappers that are sitting on the floor, I imagine you would be feeling sick.","start_word":51,"end_word":104,"sentiment":"negative","sentiment_score":-0.5452221035957336},{"text":"Yeah. I will.","start_word":105,"end_word":107,"sentiment":"neutral","sentiment_score":-0.2877601683139801},{"text":"Oh, they gotta learn it the hard way.","start_word":108,"end_word":115,"sentiment":"negative","sentiment_score":-0.39281031489372253},{"text":"Yeah. That's it. The only way to laugh. Yeah. We all do it. Yeah. That's it. That's Anyway, it. the reason for my call today was, obviously, you went through the application with Jack the other day. And just on the back of of going through that application, we obviously always wanna have a look at where things fit before we submit or put you through additional requirements. Right? Yeah. So what we did is I took your profile to the insurer, and I had a chat to them about what the likely outcome outcome or requirements was gonna be based on the back of the application. You did have a a a bit of a hefty profile with, you know, just the things that you have going on, like, you know, the cholesterol, even though it's controlled, the liver, even though it's controlled, you know, the gout, eczema. All of all Yeah. of the things kinda compound. And so what they would want is a a doctor's report, which is fine because they just write to your doctor. It's, you know, nothing that you need to do. Okay. But Yep. but what I often find with these things is that sometimes things pop up in doctor's reports that maybe you may not have been aware of, I Okay. e, Yep. you you went for a, you know, you went for a check with the the doctor six months ago, and, you know, maybe the cholesterol level was a little bit elevated, but the doctor just put it down to we'll check it in six months' time. Yeah. I'm in. That Yep. that'll flag for an insurer even though you weren't aware of it. Okay. Yep. So I wanna change things up a little bit.","start_word":116,"end_word":410,"sentiment":"neutral","sentiment_score":-0.050162703783835395},{"text":"Still wanna submit the application, but what I wanna do is I wanna actually take the insurance you currently have. So you currently have a million dollars with real insurance that you pay for personally, and then Yep.","start_word":411,"end_word":448,"sentiment":"positive","sentiment_score":0.3469475507736206},{"text":"you also have the insurance you have in your care super fund. It Okay. covers Yeah. you off correctly for the life portion because we were writing that 1,100,000.0 in life, but comes close. Yeah. It's not quite cutting the cutting the grade when it comes to the TPD, but what I wanna do is I wanna consolidate those and do what's called transfer terms. So we actually Yeah. take over the policy and we get it actually gets pulled straight into your hub account. Yep. And then what I wanna do is once those insurance is in, then I'll submit the application through to the insurer. They will still write to your doctor and go through all of those things, Yeah. Yeah. Yep. But it it just means that if anything happens, if there is a result that pops up from the application, if there's an exclusion or a loading or anything like that that's gonna come, we've already got the the insurance safe and protected there. I will Okay. be honest Yep.","start_word":449,"end_word":622,"sentiment":"neutral","sentiment_score":0.1378723382949829},{"text":"with you and tell you that I do know for a fact that your total permanent disability is going to end up with a mental health exclusion.","start_word":623,"end_word":649,"sentiment":"negative","sentiment_score":-0.4102466106414795},{"text":"So if we submit Okay. this Yeah. application, because of the ongoing treatment, whilst it might be controlled, an insurer still sees ongoing treatment as, you know, a flag for them, and so they exclude the condition because it's an active it's an active issue. And I understand that your mental health was triggered by a acute event, Yeah. but because it has been going on since that that event, it would be excluded, so mental health in general.","start_word":650,"end_word":728,"sentiment":"neutral","sentiment_score":-0.18762153387069705},{"text":"So it means that any stress leave, anything like that, or total permanent disability would not be covered.","start_word":729,"end_word":746,"sentiment":"negative","sentiment_score":-0.3894256353378296},{"text":"So I I do wanna draw your attention to that fact before I do try and submit the application, though. Okay. Are you still happy to sort of go ahead with what I wanna do? So we'll transfer the insurance in, which is everything I can I can do everything? I need to ask you six questions, which I'm pretty sure I know the answers to, but I need to ask them anyway. And then I can get that application transferred, get the insurance done. I'll get that done within the week. And then once the insurance is in place, we'll submit the application through to the insurer. Okay. Yeah. But are you happy with that knowing that there will very, very, very likely, like, pretty much the guaranteed be a mental health exclusion? Okay. Hey. Can we hold on to the real one? Well, I can still transfer it in, and it won't have an exclusion. I can I can do all the transfer terms? There won't be any exclusion. And then once I mean, once it's all done, if you want, we can reconvene this conversation in a week. So Yeah. transferring the insurance in, there's not gonna be any exclusions.","start_word":747,"end_word":949,"sentiment":"neutral","sentiment_score":0.0710926279425621},{"text":"We're all gonna be kosher.","start_word":950,"end_word":954,"sentiment":"positive","sentiment_score":0.3414773941040039},{"text":"Everything's gonna stand exactly how Yeah. it sits now. No exclusions, no loading, nothing. I And then that gives you a week to kind of think about it. And got if you wanna change up it. where we sit and not go ahead with the application, Yeah. we can we can also not we can do that. Yeah. I got that. Yeah. No worries. Alright. Cool. So I have been pacing while I'm talking to you rather than pulling up the application because it's been one of those days where I've been chained to my desk. So let me have a quick look, and I'll pull up the application. It's six really easy questions that I just need to ask you as part of, like, the application to transfer the insurance Yeah. in. Hold on a second. You're so fine. Hello. You're there? Yeah. Still here. Yep.","start_word":955,"end_word":1101,"sentiment":"neutral","sentiment_score":0.05460572987794876},{"text":"Perfect. Beautiful hold music, by the way.","start_word":1102,"end_word":1108,"sentiment":"positive","sentiment_score":0.4756202697753906},{"text":"So the six questions are, number one, are you currently off work or unable to perform the full and normal duties of your occupation on a full time basis Alright. or for at least thirty hours even if you're actually perfect now? In the last twelve months, have you been absent from work or unable to fully perform the duties of your usual occupation or your unpaid domestic duties due to an injury or illness? Alright. Perfect. Have you been diagnosed with, or do you suffer from an illness that may cause permanent inability to work or a terminal illness? I might have it. Have you ever had an insurance application for death only, death and total permanent disability, terminal illness, income protection, or including an accident or sickness cover ever refused? I haven't Yep. done. Have you ever had an insurance application for death only, death, and total permanent disablement, terminal illness, income protection, including an accident or sickness cover ever modified or offered under nonstandard terms in regards to a medical or other condition? And what happened? And have you ever been paid? Are you eligible to be paid, or are you currently in the process of of submitting a claim for any illness or injuries through the fund, workers' compensation, government benefits, such as a sickness benefit, invalid pension, or any insurance policy No. providing oh, slash TPD, IP, or an accidental sickness benefit.","start_word":1109,"end_word":1345,"sentiment":"neutral","sentiment_score":-0.07282907150603266},{"text":"Perfect. So no work cover claims, nothing like that, then fantastic. Cool.","start_word":1346,"end_word":1357,"sentiment":"positive","sentiment_score":0.4640918672084808},{"text":"So what I'll do is I I've already submitted what's called an authority to collect information through CareSuper. I'm gonna submit No. Yep. one to Real as well. Yep. I submitted one today. And what I'll do is I'll get what's called the certificate of currency from them, Yep. which is just literally a statement of the document or a statement of the policy that we'll Yeah. be able to use to transfer the policies across. I'm gonna send you this application form, which is literally you answering no to those six questions and then your contact information listed on the form. It's 14 pages long, but only, like, three of them are filled out. So it's a multi Yeah. purpose form. So I will send that to you as well, and we can get that all up and running. Okay? Get that all transferred in. And Yeah. and then once it's transferred in, I'll give you a call, and we can just have a little bit more of a chat with regards to whether you're comfortable staying where we're at with having the fund the funds transferred in or whether you still wanna proceed with the application net Yeah. I got that. No worries. life. Okay. Cool. Alright. Well, let me get this all underway and get this cracking.","start_word":1358,"end_word":1577,"sentiment":"neutral","sentiment_score":0.08864758163690567},{"text":"I love a little pivot.","start_word":1578,"end_word":1582,"sentiment":"positive","sentiment_score":0.3779662549495697},{"text":"It's always fun to have a little curve full thrown, so we'll get this done, and then we'll go from there. Okay? I got that.","start_word":1583,"end_word":1607,"sentiment":"neutral","sentiment_score":0.25045865774154663},{"text":"No worries. All good. Amazing. Perfect. No. Thanks so much, Adam. Look forward to speaking to you in a week or so, but I'll get these documents sent to you today. Okay. Thank you. Bye. Thanks.","start_word":1608,"end_word":1643,"sentiment":"positive","sentiment_score":0.5789318084716797},{"text":"Bye. Bye.","start_word":1644,"end_word":1645,"sentiment":"neutral","sentiment_score":0.2597063183784485}],"average":{"sentiment":"neutral","sentiment_score":0.018969537542878296}}}}