{"metadata":{"transaction_key":"deprecated","request_id":"01a03ba3-c3dd-7e61-b6de-ebc2b267dabe","sha256":"31c3a5007c991416db14f7e4b9448b30f1298d01f7b41072564fcd8c6888a8ae","created":"2026-08-26T01:16:25.330Z","duration":892.3679,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3748,"output_tokens":82},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4183,"output_tokens":4192},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4183,"output_tokens":270}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Karen. This is Dana from Okeech Financial. How are you this morning? I'm very well. Thank you. Thanks for asking. I had you booked in this morning for a bit of a catch up. Is now still a good time? Fantastic. Karen, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And just to do a quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. Karen, I wanted to sort of do a bit of a quick catch up with you just because you had your annual review back with my colleague Kyle in March there. And recently, you were sort of looking to have a look at the life cover, look at reducing things and altering cover. So I want to catch up to see where you're at with that, what you're thinking, and if there's any new advice we can maybe help you with moving forward. Yeah. So I've got the quote here in front of me. So at the moment, the level of life cover you have gives you a sum insured of 311,717. It is a random number. How do you sort of like, if you think about the life cover you have and maybe if we sort of work it out and break it down for you. So if you were to say I'm sorry to sort of go into the scenario, but if you were to sort of pass away today, I'm assuming you want everything sort paid to Andre to help cover any bills and debts and support him. Is that right? Yeah. Beautiful. Oh, you're so far. Absolutely. Yeah. Definitely. Well, at the moment, the yearly premium that you have paid for the cover is $3,339.94 there. So if you think about the level of cover you have, if you were to pass away today, obviously, the $311,007.01 7 is paid out. And then the super balance paid on top of that is also paid out as a as a benefit. Sorry. With your current super balance, it is sitting here at I'm just looking at super for you real quick. 43,938 there as well. So, realistically, if you add the two together, we've got $371.07 plus, say, $4,393.08. We're looking at about 355,655 of life cover that could be paid out to Andre if you would have passed away in the current circumstances there. Having a look at what that would probably cover there for you, From what I can see, you're renting. You don't have any debts to pay out at the moment. Is that right? There's no sort of loans or credit cards that would need to be covered? Okay. Personal loan. No. That's okay. That's alright. How much is on the personal loan currently? 23,000? Okay. Perfect. So if I look at that for you, so 23,000, that leaves about $332,006.55 of the life benefit there. And then your income, we had you earning around about 46,800. Is that still fairly accurate for your income? About 50 now. Yep. Beautiful. So I'll pop that in there for you. Beautiful. So then if we sort of divide that by 50,000 just to sort of replace your income for a certain period of time, it essentially means that if Andre was to be covered with the or was to be paid out the benefit plus your super, it could pay out the current personal loan benefit, and then also replace your income at $50,000 per annum for about six and a half years, essentially, almost seven years if you could live on a little bit less of that. So do you sort of feel like that level of cover's okay? Is it appropriate? Did you wanna look at maybe reducing that a bit further, or or how do you yeah. That's okay. The last, that's alright. The last conversation was you wanted to look at 250,000. So if we reduced your life cover to 250,000, it essentially reduces the premium to about $2,678. It's a rough saving of around about $661 and $20.27 cents for the year on the premium. So it is $600 that stays in your super. You can, if you decide to look to alter that at the time of the renewal or if you do happen to alter that prior to the policy going through a renewal period, they're they just, sorry, refund you the difference back to your super fund. Yeah. It is a difficult one. Yeah. I can read you the quotes and send it through to you if you like. If you wanted to maybe sit down with Andre and look at what's important to you, what you are sort of wanting to look at, how much you feel would be an appropriate level of cover. And I'm happy to do up a couple of quotes if it sort of means you just need some time to think it through. Let's have a quick look for you. So 280,000, that reduces the premium to $3,000 on a yearly basis. So saving about $339 for the year and giving you 280,000 plus that 43 if you see the benefit. Yeah. Which isn't too bad a benefit amount. Yeah. One three eight. Yes. Oh, I'm so sorry. Oh, wow. I'm so sorry to hear that. Wow. Oh, goodness me. Yes. Yes. Yes. Yep. Okay. Okay. Yes. No. That's completely understandable. Did you I mean, having a look the way because I looked at your super as well this morning and to sort of give you a bit of a run through. For the year, it hasn't done too bad. And, look, there are definitely things that we can do, and I had a bit of a look. You sort of are hoping to be able to stop working fully or retire around about age 67. Is that still when you're thinking you're wanting to hopefully, stop, if not earlier? Yeah. Hopefully, we can get you back there. But yeah. What's your sort of thought? Yeah. Yeah. So, realistically, within that sort of about three year time horizon, we would be wanting to kind of boost your super a bit more because your balance is definitely lower than where I'd sorta like it to be. Albeit, it has been growing quite nicely. So when we look at the returns that it has been able to achieve in the last since cloud did your annual review in March, you've made 4.59% net of stays. So, yeah, it is definitely working. It is growing, albeit with a slow with a lower balance, it does mean the earnings are also lower. So a four percent return is about 18 $100 in earnings. But is there any kind of guide on when you might be able to get back to work or when they're hoping to get you back into work? Because you're a hairdresser. Difficult. Yeah. Yes. Yeah. That's what I was thinking. You you very manually, you're sort of up on your feet all day long, aren't you? And leaning over people, so you sorta have to be able to hold yourself up. Yeah. Yeah. Okay. Yes. Yeah. Yeah. Absolutely. It's a bit up in the air. Yeah. No. Yeah. Absolutely. Yeah. Yeah. No. Understandable. Absolutely. Not be in so much pain. Yeah. I'm so sorry. Yeah. Definitely. Well, when we when we sort of originally provided that advice and got you into Hub 24 and moved everything over into that discovery area, since then, that was about 2024 in July. So since then so you've technically had this over two years there. Since coming onboard and going into that hub twenty four, you've made 17.33%. So when we kind of break that up over the two years, it's averaged about 8.66% per year so far. So it is definitely working and growing and building, but your insurance premiums do have an effect on your super because they do get more expensive every year as it goes through renewal, especially as you are older. So, you know, being open and honest about that one. If you wanted to, I could email through the quotes again. I could do this $2.80 to $2.50, maybe a 150 for you to sort of weigh up what you're comfortable with. Yep. Okay. Beautiful. Yep. Did did you want us to go ahead and look to reduce the life cover to 280? Yep. A thousand? Yep. Beautiful. Well, did you want us to do it Yep. Extra. Yep. That's absolutely fine. We've got a Yes, sir. Yeah. Absolutely. And then doing it down gradually also does help. I mean, as it sort of mentally goes back through a new every year, so the policy will continue to grow back again. It does increase along with CPI HE, so it will sort of add some money back into there or add the value back into it. With with dropping it down, we've got a couple of options. So you can request to do it as a transaction without seeking advice where we just do up the documents, get you to sign everything, and we action on your behalf. Is that your request? It is faster to do it that way. Otherwise, I can do it as personal advice. What would you like me to do? It's honestly up to you. It does take a couple of weeks to do up the personal advice document. I would be probably able to do it in about two to three weeks to do that. It's essentially showing you when we reduce the cover down, what this looks like, how it affects you so far. We look at the long term effect and the advantages. No? Yeah. That's absolutely yeah. That's absolutely fine. So you're happy just to have it as a transaction without seeking advice? Just no worries at all. It's a nice easy document. We'll have it done up and sent through to you to sign today via OdooSign and then just with the the letterhead to reduce the cover down. Once you sign that, we'll have it actioned. On there, we do also note down the risks nice and easily that you are reducing the level of, sorry, the level of cover. So, obviously, it does mean that less money is paid out for your insurances. However, if you do decide to increase that back later, we go through I do have to go through medicals and health and and reapply for the level of cover. So as long as you're comfortable with that, that's okay. Yeah. Beautiful. All good. Well, I'll I'll get the the letter of direction done for you to reduce your life cover down to 280,000. My team will send it through via OdooSign shortly for you to have that sign and return, and then we can have an action there. Did you want me to do up any additional quotes to email through to you to kind of mull over as well? Or yeah. What yeah. That's okay. So maybe $2.50 as well as an additional option. And anything else that might come to mind you're interested in looking at, it doesn't take me much to do a quote for you. So I'm happy to do with anything else that you might be thinking about. 200,000? Yep. Yep. Beautiful. Excellent. Well, I'll get those ones done up, and I'll email those through to you separately, and we'll get this letter of letter of direction done up for you to have the life cover reduced a little bit. Okay? Excellent. Beautiful. Well, what I would probably like to do, if it's okay, is maybe do a bit of another catch up with you probably around early December just before the Christmas break just to see where things are up to. Did you maybe prefer a catch up a little bit earlier than that, or is December okay? What would you prefer? That's okay? Yeah. Absolutely. Well, I'll perfect. My team will give you a call then to book in another catch up just to see how things are going, and then your review a full review is due again in March if we don't need to update the advice in that time frame. Okay? Beautiful. Is is there any other questions or anything else you might have for me at the moment, Karen? No? Okay. Well, thank you. Yeah. Well, thank you so much for the your time today. I hope you feel better soon. Hopefully, you can get back to work in the near future. Yeah. I'm so sorry you're going through that. Yeah. No. Understandable. Understandable. Well, thank you so much. I'll get all that sorted for you. If anything else comes up, please don't ever hesitate to give me a buzz. Easy done. Thank you, Karen. Enjoy your day. 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Karen. This is Dana from Okeech Financial. How are you this morning? I'm very well. Thank you.\n\nThanks for asking. I had you booked in this morning for a bit of a catch up. Is now still a good time? Fantastic. Karen, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Beautiful. And just to do a quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful.\n\nThank you so much for that. Karen, I wanted to sort of do a bit of a quick catch up with you just because you had your annual review back with my colleague Kyle in March there. And recently, you were sort of looking to have a look at the life cover, look at reducing things and altering cover. So I want to catch up to see where you're at with that, what you're thinking, and if there's any new advice we can maybe help you with moving forward. Yeah.\n\nSo I've got the quote here in front of me. So at the moment, the level of life cover you have gives you a sum insured of 311,717. It is a random number. How do you sort of like, if you think about the life cover you have and maybe if we sort of work it out and break it down for you. So if you were to say I'm sorry to sort of go into the scenario, but if you were to sort of pass away today, I'm assuming you want everything sort paid to Andre to help cover any bills and debts and support him.\n\nIs that right? Yeah. Beautiful. Oh, you're so far. Absolutely.\n\nYeah. Definitely. Well, at the moment, the yearly premium that you have paid for the cover is $3,339.94 there. So if you think about the level of cover you have, if you were to pass away today, obviously, the $311,007.01 7 is paid out. And then the super balance paid on top of that is also paid out as a as a benefit.\n\nSorry. With your current super balance, it is sitting here at I'm just looking at super for you real quick. 43,938 there as well. So, realistically, if you add the two together, we've got $371.07 plus, say, $4,393.08. We're looking at about 355,655 of life cover that could be paid out to Andre if you would have passed away in the current circumstances there.\n\nHaving a look at what that would probably cover there for you, From what I can see, you're renting. You don't have any debts to pay out at the moment. Is that right? There's no sort of loans or credit cards that would need to be covered? Okay.\n\nPersonal loan. No. That's okay. That's alright. How much is on the personal loan currently?\n\n23,000? Okay. Perfect. So if I look at that for you, so 23,000, that leaves about $332,006.55 of the life benefit there. And then your income, we had you earning around about 46,800.\n\nIs that still fairly accurate for your income? About 50 now. Yep. Beautiful. So I'll pop that in there for you.\n\nBeautiful. So then if we sort of divide that by 50,000 just to sort of replace your income for a certain period of time, it essentially means that if Andre was to be covered with the or was to be paid out the benefit plus your super, it could pay out the current personal loan benefit, and then also replace your income at $50,000 per annum for about six and a half years, essentially, almost seven years if you could live on a little bit less of that. So do you sort of feel like that level of cover's okay? Is it appropriate? Did you wanna look at maybe reducing that a bit further, or or how do you yeah.\n\nThat's okay. The last, that's alright. The last conversation was you wanted to look at 250,000. So if we reduced your life cover to 250,000, it essentially reduces the premium to about $2,678. It's a rough saving of around about $661 and $20.27 cents for the year on the premium.\n\nSo it is $600 that stays in your super. You can, if you decide to look to alter that at the time of the renewal or if you do happen to alter that prior to the policy going through a renewal period, they're they just, sorry, refund you the difference back to your super fund. Yeah. It is a difficult one. Yeah.\n\nI can read you the quotes and send it through to you if you like. If you wanted to maybe sit down with Andre and look at what's important to you, what you are sort of wanting to look at, how much you feel would be an appropriate level of cover. And I'm happy to do up a couple of quotes if it sort of means you just need some time to think it through. Let's have a quick look for you. So 280,000, that reduces the premium to $3,000 on a yearly basis.\n\nSo saving about $339 for the year and giving you 280,000 plus that 43 if you see the benefit. Yeah. Which isn't too bad a benefit amount. Yeah. One three eight.\n\nYes. Oh, I'm so sorry. Oh, wow. I'm so sorry to hear that. Wow.\n\nOh, goodness me. Yes. Yes. Yes. Yep.\n\nOkay. Okay. Yes. No. That's completely understandable.\n\nDid you I mean, having a look the way because I looked at your super as well this morning and to sort of give you a bit of a run through. For the year, it hasn't done too bad. And, look, there are definitely things that we can do, and I had a bit of a look. You sort of are hoping to be able to stop working fully or retire around about age 67. Is that still when you're thinking you're wanting to hopefully, stop, if not earlier?\n\nYeah. Hopefully, we can get you back there. But yeah. What's your sort of thought? Yeah.\n\nYeah. So, realistically, within that sort of about three year time horizon, we would be wanting to kind of boost your super a bit more because your balance is definitely lower than where I'd sorta like it to be. Albeit, it has been growing quite nicely. So when we look at the returns that it has been able to achieve in the last since cloud did your annual review in March, you've made 4.59% net of stays. So, yeah, it is definitely working.\n\nIt is growing, albeit with a slow with a lower balance, it does mean the earnings are also lower. So a four percent return is about 18 $100 in earnings. But is there any kind of guide on when you might be able to get back to work or when they're hoping to get you back into work? Because you're a hairdresser. Difficult.\n\nYeah. Yes. Yeah. That's what I was thinking. You you very manually, you're sort of up on your feet all day long, aren't you?\n\nAnd leaning over people, so you sorta have to be able to hold yourself up. Yeah. Yeah. Okay. Yes.\n\nYeah. Yeah. Absolutely. It's a bit up in the air. Yeah.\n\nNo. Yeah. Absolutely. Yeah. Yeah.\n\nNo. Understandable. Absolutely. Not be in so much pain. Yeah.\n\nI'm so sorry. Yeah. Definitely. Well, when we when we sort of originally provided that advice and got you into Hub 24 and moved everything over into that discovery area, since then, that was about 2024 in July. So since then so you've technically had this over two years there.\n\nSince coming onboard and going into that hub twenty four, you've made 17.33%. So when we kind of break that up over the two years, it's averaged about 8.66% per year so far. So it is definitely working and growing and building, but your insurance premiums do have an effect on your super because they do get more expensive every year as it goes through renewal, especially as you are older. So, you know, being open and honest about that one. If you wanted to, I could email through the quotes again.\n\nI could do this $2.80 to $2.50, maybe a 150 for you to sort of weigh up what you're comfortable with. Yep. Okay. Beautiful. Yep.\n\nDid did you want us to go ahead and look to reduce the life cover to 280? Yep. A thousand? Yep. Beautiful.\n\nWell, did you want us to do it Yep. Extra. Yep. That's absolutely fine. We've got a Yes, sir.\n\nYeah. Absolutely. And then doing it down gradually also does help. I mean, as it sort of mentally goes back through a new every year, so the policy will continue to grow back again. It does increase along with CPI HE, so it will sort of add some money back into there or add the value back into it.\n\nWith with dropping it down, we've got a couple of options. So you can request to do it as a transaction without seeking advice where we just do up the documents, get you to sign everything, and we action on your behalf. Is that your request? It is faster to do it that way. Otherwise, I can do it as personal advice.\n\nWhat would you like me to do? It's honestly up to you. It does take a couple of weeks to do up the personal advice document. I would be probably able to do it in about two to three weeks to do that. It's essentially showing you when we reduce the cover down, what this looks like, how it affects you so far.\n\nWe look at the long term effect and the advantages. No? Yeah. That's absolutely yeah. That's absolutely fine.\n\nSo you're happy just to have it as a transaction without seeking advice? Just no worries at all. It's a nice easy document. We'll have it done up and sent through to you to sign today via OdooSign and then just with the the letterhead to reduce the cover down. Once you sign that, we'll have it actioned.\n\nOn there, we do also note down the risks nice and easily that you are reducing the level of, sorry, the level of cover. So, obviously, it does mean that less money is paid out for your insurances. However, if you do decide to increase that back later, we go through I do have to go through medicals and health and and reapply for the level of cover. So as long as you're comfortable with that, that's okay. Yeah.\n\nBeautiful. All good. Well, I'll I'll get the the letter of direction done for you to reduce your life cover down to 280,000. My team will send it through via OdooSign shortly for you to have that sign and return, and then we can have an action there. Did you want me to do up any additional quotes to email through to you to kind of mull over as well?\n\nOr yeah. What yeah. That's okay. So maybe $2.50 as well as an additional option. And anything else that might come to mind you're interested in looking at, it doesn't take me much to do a quote for you.\n\nSo I'm happy to do with anything else that you might be thinking about. 200,000? Yep. Yep. Beautiful.\n\nExcellent. Well, I'll get those ones done up, and I'll email those through to you separately, and we'll get this letter of letter of direction done up for you to have the life cover reduced a little bit. Okay? Excellent. Beautiful.\n\nWell, what I would probably like to do, if it's okay, is maybe do a bit of another catch up with you probably around early December just before the Christmas break just to see where things are up to. Did you maybe prefer a catch up a little bit earlier than that, or is December okay? What would you prefer? That's okay? Yeah.\n\nAbsolutely. Well, I'll perfect. My team will give you a call then to book in another catch up just to see how things are going, and then your review a full review is due again in March if we don't need to update the advice in that time frame. Okay? Beautiful.\n\nIs is there any other questions or anything else you might have for me at the moment, Karen? No? Okay. Well, thank you. Yeah.\n\nWell, thank you so much for the your time today. I hope you feel better soon. Hopefully, you can get back to work in the near future. Yeah. I'm so sorry you're going through that.\n\nYeah. No. Understandable. Understandable. Well, thank you so much.\n\nI'll get all that sorted for you. If anything else comes up, please don't ever hesitate to give me a buzz. Easy done. Thank you, Karen. Enjoy your day.\n\nSee you later.","paragraphs":[{"sentences":[{"text":"Hi, Karen.","start":4.96,"end":5.52,"sentiment":"neutral","sentiment_score":0.13525564223527908},{"text":"This is Dana from Okeech Financial.","start":5.52,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.1834934577345848},{"text":"How are you this morning?","start":7.2799997,"end":8.42,"sentiment":"neutral","sentiment_score":0.2995571196079254},{"text":"I'm very well.","start":10.4,"end":11.2,"sentiment":"positive","sentiment_score":0.6543694933255514},{"text":"Thank you.","start":11.2,"end":11.599999,"sentiment":"positive","sentiment_score":0.732623964548111}],"sentiment":"positive","sentiment_score":0.34986744655503166,"num_words":18,"start":4.96,"end":11.599999},{"sentences":[{"text":"Thanks for asking.","start":11.599999,"end":12.48,"sentiment":"positive","sentiment_score":0.6890956362088522},{"text":"I had you booked in this morning for a bit of a catch up.","start":12.48,"end":14.835,"sentiment":"neutral","sentiment_score":0.29515665237392696},{"text":"Is now still a good time?","start":14.835,"end":16.215,"sentiment":"neutral","sentiment_score":0.3148670395215352},{"text":"Fantastic.","start":17.715,"end":18.215,"sentiment":"positive","sentiment_score":0.618552029132843},{"text":"Karen, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":19.075,"end":23.635,"sentiment":"neutral","sentiment_score":0.10271850566972386}],"sentiment":"neutral","sentiment_score":0.23841394419255463,"num_words":46,"start":11.599999,"end":23.635},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":23.635,"end":25.735,"sentiment":"positive","sentiment_score":0.3350315988063812},{"text":"Beautiful.","start":27.26,"end":27.66,"sentiment":"positive","sentiment_score":0.5623514652252197},{"text":"And just to do a quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":27.66,"end":33.84,"sentiment":"neutral","sentiment_score":0.2214111044551387},{"text":"Yep.","start":37.66,"end":38.16,"sentiment":"neutral","sentiment_score":0.03704037517309189},{"text":"Beautiful.","start":40.46,"end":40.940002,"sentiment":"positive","sentiment_score":0.5594347715377808}],"sentiment":"neutral","sentiment_score":0.25512616551584666,"num_words":45,"start":23.635,"end":40.940002},{"sentences":[{"text":"Thank you so much for that.","start":40.940002,"end":42.525,"sentiment":"positive","sentiment_score":0.7118419408798218},{"text":"Karen, I wanted to sort of do a bit of a quick catch up with you just because you had your annual review back with my colleague Kyle in March there.","start":42.765003,"end":48.785,"sentiment":"neutral","sentiment_score":0.20848715113055322},{"text":"And recently, you were sort of looking to have a look at the life cover, look at reducing things and altering cover.","start":49.245003,"end":54.780003,"sentiment":"neutral","sentiment_score":0.04749186455526135},{"text":"So I want to catch up to see where you're at with that, what you're thinking, and if there's any new advice we can maybe help you with moving forward.","start":54.780003,"end":61.52,"sentiment":"neutral","sentiment_score":0.13976328869660695},{"text":"Yeah.","start":63.18,"end":63.68,"sentiment":"neutral","sentiment_score":0.0352395623922348}],"sentiment":"neutral","sentiment_score":0.17785680637591414,"num_words":90,"start":40.940002,"end":63.68},{"sentences":[{"text":"So I've got the quote here in front of me.","start":66.46,"end":68.380005,"sentiment":"neutral","sentiment_score":0.04407444428652525},{"text":"So at the moment, the level of life cover you have gives you a sum insured of 311,717.","start":68.380005,"end":75.895004,"sentiment":"neutral","sentiment_score":0.0446007013734844},{"text":"It is a random number.","start":78.915,"end":80.295,"sentiment":"neutral","sentiment_score":0.019746882468461992},{"text":"How do you sort of like, if you think about the life cover you have and maybe if we sort of work it out and break it down for you.","start":83.33,"end":89.490005,"sentiment":"neutral","sentiment_score":0.08129201121628285},{"text":"So if you were to say I'm sorry to sort of go into the scenario, but if you were to sort of pass away today, I'm assuming you want everything sort paid to Andre to help cover any bills and debts and support him.","start":89.490005,"end":100.48499,"sentiment":"neutral","sentiment_score":-0.09517199495299296}],"sentiment":"neutral","sentiment_score":-0.0037992145935787217,"num_words":107,"start":66.46,"end":100.48499},{"sentences":[{"text":"Is that right?","start":100.48499,"end":101.30499,"sentiment":"neutral","sentiment_score":0.005636347457766533},{"text":"Yeah.","start":102.80499,"end":103.125,"sentiment":"neutral","sentiment_score":0.04723643511533737},{"text":"Beautiful.","start":103.125,"end":103.625,"sentiment":"neutral","sentiment_score":0.30088427662849426},{"text":"Oh, you're so far.","start":105.524994,"end":106.825,"sentiment":"neutral","sentiment_score":0.06349034141749144},{"text":"Absolutely.","start":107.445,"end":107.945,"sentiment":"neutral","sentiment_score":0.30802127718925476}],"sentiment":"neutral","sentiment_score":0.09270123969763518,"num_words":10,"start":100.48499,"end":107.945},{"sentences":[{"text":"Yeah.","start":108.244995,"end":108.564995,"sentiment":"neutral","sentiment_score":0.24303367733955383},{"text":"Definitely.","start":108.564995,"end":109.064995,"sentiment":"neutral","sentiment_score":0.28928565979003906},{"text":"Well, at the moment, the yearly premium that you have paid for the cover is $3,339.94 there.","start":109.685,"end":117.020004,"sentiment":"neutral","sentiment_score":0.004376761067439528},{"text":"So if you think about the level of cover you have, if you were to pass away today, obviously, the $311,007.01 7 is paid out.","start":117.020004,"end":124.935,"sentiment":"neutral","sentiment_score":-0.03430944412946701},{"text":"And then the super balance paid on top of that is also paid out as a as a benefit.","start":125.095,"end":129.675,"sentiment":"neutral","sentiment_score":0.013813143007849393}],"sentiment":"neutral","sentiment_score":0.0001815537966433026,"num_words":63,"start":108.244995,"end":129.675},{"sentences":[{"text":"Sorry.","start":129.815,"end":130.315,"sentiment":"neutral","sentiment_score":-0.10813073068857192},{"text":"With your current super balance, it is sitting here at I'm just looking at super for you real quick.","start":131.495,"end":136.98,"sentiment":"neutral","sentiment_score":-0.06154900906901611},{"text":"43,938 there as well.","start":137.37999,"end":140.81999,"sentiment":"neutral","sentiment_score":-0.01304548466578126},{"text":"So, realistically, if you add the two together, we've got $371.07 plus, say, $4,393.08.","start":140.81999,"end":149.06,"sentiment":"neutral","sentiment_score":-0.05110255815088749},{"text":"We're looking at about 355,655 of life cover that could be paid out to Andre if you would have passed away in the current circumstances there.","start":149.06,"end":158.485,"sentiment":"neutral","sentiment_score":-0.13782569551124021}],"sentiment":"neutral","sentiment_score":-0.0879476209229324,"num_words":64,"start":129.815,"end":158.485},{"sentences":[{"text":"Having a look at what that would probably cover there for you, From what I can see, you're renting.","start":159.58499,"end":165.96,"sentiment":"neutral","sentiment_score":-0.009551345517760828},{"text":"You don't have any debts to pay out at the moment.","start":166.02,"end":168.66,"sentiment":"neutral","sentiment_score":-0.0843258300288157},{"text":"Is that right?","start":168.66,"end":169.3,"sentiment":"neutral","sentiment_score":-0.017086875314513843},{"text":"There's no sort of loans or credit cards that would need to be covered?","start":169.3,"end":172.52,"sentiment":"neutral","sentiment_score":-0.13622195752603666},{"text":"Okay.","start":177.38,"end":177.88,"sentiment":"neutral","sentiment_score":-0.007796724326908588}],"sentiment":"neutral","sentiment_score":-0.06406717605811234,"num_words":48,"start":159.58499,"end":177.88},{"sentences":[{"text":"Personal loan.","start":179.215,"end":180.115,"sentiment":"neutral","sentiment_score":-0.04111131653189659},{"text":"No.","start":180.175,"end":180.41501,"sentiment":"neutral","sentiment_score":-0.0694819986820221},{"text":"That's okay.","start":180.41501,"end":180.975,"sentiment":"neutral","sentiment_score":-0.01809485349804163},{"text":"That's alright.","start":180.975,"end":181.535,"sentiment":"neutral","sentiment_score":0.028531905263662338},{"text":"How much is on the personal loan currently?","start":181.535,"end":183.715,"sentiment":"neutral","sentiment_score":-0.009421819355338812}],"sentiment":"neutral","sentiment_score":-0.013747005537152291,"num_words":15,"start":179.215,"end":183.715},{"sentences":[{"text":"23,000?","start":187.05501,"end":188.195,"sentiment":"neutral","sentiment_score":0.007905205711722374},{"text":"Okay.","start":188.895,"end":189.295,"sentiment":"neutral","sentiment_score":0.16464552283287048},{"text":"Perfect.","start":189.295,"end":189.795,"sentiment":"positive","sentiment_score":0.3642557859420776},{"text":"So if I look at that for you, so 23,000, that leaves about $332,006.55 of the life benefit there.","start":189.855,"end":199.84,"sentiment":"neutral","sentiment_score":0.09753340869945915},{"text":"And then your income, we had you earning around about 46,800.","start":199.84,"end":204.0,"sentiment":"neutral","sentiment_score":0.017637978223237125}],"sentiment":"neutral","sentiment_score":0.07830178909793947,"num_words":33,"start":187.05501,"end":204.0},{"sentences":[{"text":"Is that still fairly accurate for your income?","start":204.0,"end":206.18001,"sentiment":"neutral","sentiment_score":0.03850755700841546},{"text":"About 50 now.","start":215.735,"end":216.775,"sentiment":"neutral","sentiment_score":0.03690392461915811},{"text":"Yep.","start":216.775,"end":217.095,"sentiment":"neutral","sentiment_score":0.2713083028793335},{"text":"Beautiful.","start":217.095,"end":217.595,"sentiment":"positive","sentiment_score":0.6954141855239868},{"text":"So I'll pop that in there for you.","start":217.735,"end":219.915,"sentiment":"positive","sentiment_score":0.46857850253582}],"sentiment":"neutral","sentiment_score":0.24448203517212755,"num_words":21,"start":204.0,"end":219.915},{"sentences":[{"text":"Beautiful.","start":220.79001,"end":221.29001,"sentiment":"positive","sentiment_score":0.6341574788093567},{"text":"So then if we sort of divide that by 50,000 just to sort of replace your income for a certain period of time, it essentially means that if Andre was to be covered with the or was to be paid out the benefit plus your super, it could pay out the current personal loan benefit, and then also replace your income at $50,000 per annum for about six and a half years, essentially, almost seven years if you could live on a little bit less of that.","start":221.91,"end":245.445,"sentiment":"neutral","sentiment_score":0.03971036911096381},{"text":"So do you sort of feel like that level of cover's okay?","start":245.445,"end":248.56,"sentiment":"neutral","sentiment_score":-0.0032887011766433716},{"text":"Is it appropriate?","start":248.56,"end":249.44,"sentiment":"neutral","sentiment_score":-0.011578841755787531},{"text":"Did you wanna look at maybe reducing that a bit further, or or how do you yeah.","start":249.44,"end":255.3,"sentiment":"neutral","sentiment_score":-0.07022235958891757}],"sentiment":"neutral","sentiment_score":0.023508154492204388,"num_words":120,"start":220.79001,"end":255.3},{"sentences":[{"text":"That's okay.","start":257.28,"end":258.0,"sentiment":"neutral","sentiment_score":0.07622411474585533},{"text":"The last, that's alright.","start":258.0,"end":259.365,"sentiment":"neutral","sentiment_score":0.021757510025054216},{"text":"The last conversation was you wanted to look at 250,000.","start":259.365,"end":262.905,"sentiment":"neutral","sentiment_score":-0.0011619399534538387},{"text":"So if we reduced your life cover to 250,000, it essentially reduces the premium to about $2,678.","start":263.365,"end":271.625,"sentiment":"neutral","sentiment_score":0.02370545741937616},{"text":"It's a rough saving of around about $661 and $20.27 cents for the year on the premium.","start":272.09,"end":279.77,"sentiment":"neutral","sentiment_score":0.129848631865838}],"sentiment":"neutral","sentiment_score":0.0567655677581206,"num_words":50,"start":257.28,"end":279.77},{"sentences":[{"text":"So it is $600 that stays in your super.","start":279.77,"end":282.59,"sentiment":"neutral","sentiment_score":0.09823112355338202},{"text":"You can, if you decide to look to alter that at the time of the renewal or if you do happen to alter that prior to the policy going through a renewal period, they're they just, sorry, refund you the difference back to your super fund.","start":283.37,"end":297.395,"sentiment":"neutral","sentiment_score":-0.04426410049200058},{"text":"Yeah.","start":300.2,"end":300.7,"sentiment":"neutral","sentiment_score":0.013038096949458122},{"text":"It is a difficult one.","start":307.32,"end":308.6,"sentiment":"neutral","sentiment_score":-0.26237199604511263},{"text":"Yeah.","start":308.6,"end":309.0,"sentiment":"neutral","sentiment_score":0.04820382222533226}],"sentiment":"neutral","sentiment_score":-0.03875300922100582,"num_words":62,"start":279.77,"end":309.0},{"sentences":[{"text":"I can read you the quotes and send it through to you if you like.","start":309.0,"end":311.56,"sentiment":"neutral","sentiment_score":0.08927461840212345},{"text":"If you wanted to maybe sit down with Andre and look at what's important to you, what you are sort of wanting to look at, how much you feel would be an appropriate level of cover.","start":311.56,"end":319.70502,"sentiment":"neutral","sentiment_score":0.17441977850264972},{"text":"And I'm happy to do up a couple of quotes if it sort of means you just need some time to think it through.","start":320.165,"end":325.465,"sentiment":"positive","sentiment_score":0.6397605364521345},{"text":"Let's have a quick look for you.","start":330.26,"end":331.69998,"sentiment":"neutral","sentiment_score":0.12105104965823037},{"text":"So 280,000, that reduces the premium to $3,000 on a yearly basis.","start":331.69998,"end":338.97998,"sentiment":"neutral","sentiment_score":0.21414529283841452}],"sentiment":"neutral","sentiment_score":0.2807402663685857,"num_words":94,"start":309.0,"end":338.97998},{"sentences":[{"text":"So saving about $339 for the year and giving you 280,000 plus that 43 if you see the benefit.","start":338.97998,"end":346.385,"sentiment":"positive","sentiment_score":0.39517518721128764},{"text":"Yeah.","start":349.005,"end":349.405,"sentiment":"neutral","sentiment_score":0.14114850759506226},{"text":"Which isn't too bad a benefit amount.","start":349.405,"end":351.345,"sentiment":"neutral","sentiment_score":0.1595105773636273},{"text":"Yeah.","start":351.725,"end":352.225,"sentiment":"neutral","sentiment_score":0.07356609404087067},{"text":"One three eight.","start":355.085,"end":355.92,"sentiment":"neutral","sentiment_score":0.11491628487904866}],"sentiment":"neutral","sentiment_score":0.2962698727365463,"num_words":31,"start":338.97998,"end":355.92},{"sentences":[{"text":"Yes.","start":366.08002,"end":366.40002,"sentiment":"neutral","sentiment_score":0.04103384539484978},{"text":"Oh, I'm so sorry.","start":366.40002,"end":367.7,"sentiment":"neutral","sentiment_score":-0.04904192220419645},{"text":"Oh, wow.","start":368.24002,"end":368.72,"sentiment":"neutral","sentiment_score":-0.10696566477417946},{"text":"I'm so sorry to hear that.","start":368.72,"end":370.065,"sentiment":"neutral","sentiment_score":-0.325055052836736},{"text":"Wow.","start":375.98502,"end":376.48502,"sentiment":"neutral","sentiment_score":-0.22535496950149536}],"sentiment":"neutral","sentiment_score":-0.18176788996372903,"num_words":14,"start":366.08002,"end":376.48502},{"sentences":[{"text":"Oh, goodness me.","start":379.825,"end":381.685,"sentiment":"neutral","sentiment_score":-0.10154981911182404},{"text":"Yes.","start":387.84,"end":388.34,"sentiment":"neutral","sentiment_score":0.005671079270541668},{"text":"Yes.","start":392.56,"end":393.06,"sentiment":"neutral","sentiment_score":-0.01283167488873005},{"text":"Yes.","start":393.28,"end":393.78,"sentiment":"neutral","sentiment_score":0.0077848052605986595},{"text":"Yep.","start":394.87997,"end":395.37997,"sentiment":"neutral","sentiment_score":0.004949723836034536}],"sentiment":"neutral","sentiment_score":-0.04272507483671818,"num_words":7,"start":379.825,"end":395.37997},{"sentences":[{"text":"Okay.","start":395.91998,"end":396.285,"sentiment":"neutral","sentiment_score":-0.023362478241324425},{"text":"Okay.","start":401.805,"end":402.285,"sentiment":"neutral","sentiment_score":-0.026084331795573235},{"text":"Yes.","start":402.285,"end":402.785,"sentiment":"neutral","sentiment_score":-0.02273935079574585},{"text":"No.","start":403.48502,"end":403.805,"sentiment":"neutral","sentiment_score":-0.10732557624578476},{"text":"That's completely understandable.","start":403.805,"end":405.185,"sentiment":"neutral","sentiment_score":-0.13219166547060013}],"sentiment":"neutral","sentiment_score":-0.08229810478431838,"num_words":7,"start":395.91998,"end":405.185},{"sentences":[{"text":"Did you I mean, having a look the way because I looked at your super as well this morning and to sort of give you a bit of a run through.","start":405.965,"end":411.9,"sentiment":"neutral","sentiment_score":0.10194412847199748},{"text":"For the year, it hasn't done too bad.","start":411.9,"end":413.66,"sentiment":"neutral","sentiment_score":0.08406679891049862},{"text":"And, look, there are definitely things that we can do, and I had a bit of a look.","start":413.66,"end":416.86002,"sentiment":"neutral","sentiment_score":0.16818043403327465},{"text":"You sort of are hoping to be able to stop working fully or retire around about age 67.","start":416.86002,"end":422.3,"sentiment":"negative","sentiment_score":-0.36349496576521134},{"text":"Is that still when you're thinking you're wanting to hopefully, stop, if not earlier?","start":422.3,"end":428.325,"sentiment":"neutral","sentiment_score":-0.18690405865865095}],"sentiment":"neutral","sentiment_score":-0.025837258634607445,"num_words":89,"start":405.965,"end":428.325},{"sentences":[{"text":"Yeah.","start":428.945,"end":429.445,"sentiment":"neutral","sentiment_score":0.004214674234390259},{"text":"Hopefully, we can get you back there.","start":430.065,"end":431.92502,"sentiment":"neutral","sentiment_score":0.1451372993843896},{"text":"But yeah.","start":433.185,"end":434.085,"sentiment":"neutral","sentiment_score":0.028242023661732674},{"text":"What's your sort of thought?","start":435.345,"end":436.725,"sentiment":"neutral","sentiment_score":0.0163705226033926},{"text":"Yeah.","start":437.345,"end":437.825,"sentiment":"neutral","sentiment_score":0.06531266868114471}],"sentiment":"neutral","sentiment_score":0.07648906868416816,"num_words":16,"start":428.945,"end":437.825},{"sentences":[{"text":"Yeah.","start":437.825,"end":438.225,"sentiment":"neutral","sentiment_score":0.10522781312465668},{"text":"So, realistically, within that sort of about three year time horizon, we would be wanting to kind of boost your super a bit more because your balance is definitely lower than where I'd sorta like it to be.","start":438.225,"end":448.12,"sentiment":"neutral","sentiment_score":-0.02190900221467018},{"text":"Albeit, it has been growing quite nicely.","start":448.5,"end":450.76,"sentiment":"positive","sentiment_score":0.3622815864426749},{"text":"So when we look at the returns that it has been able to achieve in the last since cloud did your annual review in March, you've made 4.59% net of stays.","start":450.82,"end":462.855,"sentiment":"neutral","sentiment_score":0.26227363078824933},{"text":"So, yeah, it is definitely working.","start":463.795,"end":465.71503,"sentiment":"positive","sentiment_score":0.49753207465012866}],"sentiment":"neutral","sentiment_score":0.15571484140243874,"num_words":83,"start":437.825,"end":465.71503},{"sentences":[{"text":"It is growing, albeit with a slow with a lower balance, it does mean the earnings are also lower.","start":465.71503,"end":470.97998,"sentiment":"neutral","sentiment_score":-0.10109782062078777},{"text":"So a four percent return is about 18 $100 in earnings.","start":470.97998,"end":474.52,"sentiment":"neutral","sentiment_score":0.026674126867543568},{"text":"But is there any kind of guide on when you might be able to get back to work or when they're hoping to get you back into work?","start":475.46,"end":481.22,"sentiment":"neutral","sentiment_score":-0.046368418261408806},{"text":"Because you're a hairdresser.","start":481.22,"end":482.28,"sentiment":"neutral","sentiment_score":-0.19014521315693855},{"text":"Difficult.","start":490.04498,"end":490.54498,"sentiment":"negative","sentiment_score":-0.38588619232177734}],"sentiment":"neutral","sentiment_score":-0.06463850718287248,"num_words":63,"start":465.71503,"end":490.54498},{"sentences":[{"text":"Yeah.","start":492.365,"end":492.865,"sentiment":"neutral","sentiment_score":-0.2242339253425598},{"text":"Yes.","start":494.845,"end":495.27,"sentiment":"neutral","sentiment_score":-0.2746347188949585},{"text":"Yeah.","start":498.22998,"end":498.55,"sentiment":"neutral","sentiment_score":-0.10307320952415466},{"text":"That's what I was thinking.","start":498.55,"end":499.34998,"sentiment":"neutral","sentiment_score":-0.11514873057603836},{"text":"You you very manually, you're sort of up on your feet all day long, aren't you?","start":499.34998,"end":503.03,"sentiment":"neutral","sentiment_score":-0.0889056904707104}],"sentiment":"neutral","sentiment_score":-0.10834068975721796,"num_words":24,"start":492.365,"end":503.03},{"sentences":[{"text":"And leaning over people, so you sorta have to be able to hold yourself up.","start":503.03,"end":507.59,"sentiment":"neutral","sentiment_score":-0.15032824178536733},{"text":"Yeah.","start":507.59,"end":508.09,"sentiment":"neutral","sentiment_score":-0.0222170352935791},{"text":"Yeah.","start":519.225,"end":519.725,"sentiment":"neutral","sentiment_score":-0.04426124319434166},{"text":"Okay.","start":520.105,"end":520.605,"sentiment":"neutral","sentiment_score":-0.025070825591683388},{"text":"Yes.","start":530.56,"end":531.06,"sentiment":"neutral","sentiment_score":0.022019945085048676}],"sentiment":"neutral","sentiment_score":-0.1223396203039508,"num_words":19,"start":503.03,"end":531.06},{"sentences":[{"text":"Yeah.","start":543.105,"end":543.605,"sentiment":"neutral","sentiment_score":0.014001984149217606},{"text":"Yeah.","start":544.225,"end":544.46497,"sentiment":"neutral","sentiment_score":0.04877796769142151},{"text":"Absolutely.","start":544.46497,"end":544.96497,"sentiment":"neutral","sentiment_score":0.09538879990577698},{"text":"It's a bit up in the air.","start":547.185,"end":548.46,"sentiment":"neutral","sentiment_score":-0.05518403702548572},{"text":"Yeah.","start":549.58,"end":550.08,"sentiment":"neutral","sentiment_score":-0.04548746719956398}],"sentiment":"neutral","sentiment_score":-0.02487336133014072,"num_words":11,"start":543.105,"end":550.08},{"sentences":[{"text":"No.","start":551.74005,"end":552.24005,"sentiment":"neutral","sentiment_score":-0.2052706480026245},{"text":"Yeah.","start":555.34,"end":555.84,"sentiment":"neutral","sentiment_score":-0.03646968677639961},{"text":"Absolutely.","start":555.98004,"end":556.48004,"sentiment":"neutral","sentiment_score":-0.007133986800909042},{"text":"Yeah.","start":563.58,"end":564.08,"sentiment":"neutral","sentiment_score":0.11341604590415956},{"text":"Yeah.","start":565.20496,"end":565.70496,"sentiment":"neutral","sentiment_score":-0.0231343824416399}],"sentiment":"neutral","sentiment_score":-0.031718531623482704,"num_words":5,"start":551.74005,"end":565.70496},{"sentences":[{"text":"No.","start":569.285,"end":569.785,"sentiment":"neutral","sentiment_score":-0.22654448449611664},{"text":"Understandable.","start":569.845,"end":570.345,"sentiment":"neutral","sentiment_score":-0.24514451622962952},{"text":"Absolutely.","start":571.445,"end":571.945,"sentiment":"neutral","sentiment_score":-0.07289640605449677},{"text":"Not be in so much pain.","start":572.64496,"end":574.02496,"sentiment":"neutral","sentiment_score":-0.30756693085034686},{"text":"Yeah.","start":575.52496,"end":576.02496,"sentiment":"neutral","sentiment_score":-0.14994332194328308}],"sentiment":"neutral","sentiment_score":-0.25399303138256074,"num_words":10,"start":569.285,"end":576.02496},{"sentences":[{"text":"I'm so sorry.","start":577.285,"end":578.425,"sentiment":"neutral","sentiment_score":-0.19318718214829764},{"text":"Yeah.","start":586.11,"end":586.58997,"sentiment":"neutral","sentiment_score":0.07390273362398148},{"text":"Definitely.","start":586.58997,"end":587.08997,"sentiment":"neutral","sentiment_score":0.11668839305639268},{"text":"Well, when we when we sort of originally provided that advice and got you into Hub 24 and moved everything over into that discovery area, since then, that was about 2024 in July.","start":587.38995,"end":599.515,"sentiment":"neutral","sentiment_score":0.0827883653568499},{"text":"So since then so you've technically had this over two years there.","start":599.575,"end":602.795,"sentiment":"neutral","sentiment_score":0.12483027515312035}],"sentiment":"neutral","sentiment_score":0.07682017877697944,"num_words":50,"start":577.285,"end":602.795},{"sentences":[{"text":"Since coming onboard and going into that hub twenty four, you've made 17.33%.","start":603.255,"end":608.52997,"sentiment":"neutral","sentiment_score":0.18035142754132932},{"text":"So when we kind of break that up over the two years, it's averaged about 8.66% per year so far.","start":608.52997,"end":613.97,"sentiment":"neutral","sentiment_score":-0.007773247081786394},{"text":"So it is definitely working and growing and building, but your insurance premiums do have an effect on your super because they do get more expensive every year as it goes through renewal, especially as you are older.","start":613.97,"end":625.26495,"sentiment":"neutral","sentiment_score":-0.06243687319128137},{"text":"So, you know, being open and honest about that one.","start":625.26495,"end":628.00494,"sentiment":"neutral","sentiment_score":0.015984852239489554},{"text":"If you wanted to, I could email through the quotes again.","start":628.225,"end":630.70496,"sentiment":"neutral","sentiment_score":0.034347879107702865}],"sentiment":"neutral","sentiment_score":0.0038497568229618278,"num_words":92,"start":603.255,"end":630.70496},{"sentences":[{"text":"I could do this $2.80 to $2.50, maybe a 150 for you to sort of weigh up what you're comfortable with.","start":630.70496,"end":636.57,"sentiment":"neutral","sentiment_score":0.05504519793958891},{"text":"Yep.","start":640.49,"end":640.99,"sentiment":"neutral","sentiment_score":0.07162167131900787},{"text":"Okay.","start":641.05,"end":641.55,"sentiment":"neutral","sentiment_score":0.11432161927223206},{"text":"Beautiful.","start":641.69,"end":642.19,"sentiment":"positive","sentiment_score":0.4286963641643524},{"text":"Yep.","start":645.13,"end":645.45,"sentiment":"neutral","sentiment_score":0.02760588936507702}],"sentiment":"neutral","sentiment_score":0.07192778803408145,"num_words":25,"start":630.70496,"end":645.45},{"sentences":[{"text":"Did did you want us to go ahead and look to reduce the life cover to 280?","start":645.45,"end":649.93,"sentiment":"neutral","sentiment_score":-0.006529682726763627},{"text":"Yep.","start":649.93,"end":650.41003,"sentiment":"neutral","sentiment_score":0.018329940736293793},{"text":"A thousand?","start":650.41003,"end":651.07,"sentiment":"neutral","sentiment_score":0.028934250585734844},{"text":"Yep.","start":651.44495,"end":651.685,"sentiment":"neutral","sentiment_score":0.1484987437725067},{"text":"Beautiful.","start":651.685,"end":652.165,"sentiment":"positive","sentiment_score":0.4216946959495544}],"sentiment":"neutral","sentiment_score":0.02433578523976559,"num_words":22,"start":645.45,"end":652.165},{"sentences":[{"text":"Well, did you want us to do it Yep.","start":652.165,"end":654.985,"sentiment":"neutral","sentiment_score":0.06718224783738454},{"text":"Extra.","start":657.20496,"end":657.70496,"sentiment":"neutral","sentiment_score":0.13257601857185364},{"text":"Yep.","start":657.76495,"end":658.00494,"sentiment":"neutral","sentiment_score":0.1534852236509323},{"text":"That's absolutely fine.","start":658.00494,"end":658.96497,"sentiment":"neutral","sentiment_score":0.24599462747573853},{"text":"We've got a Yes, sir.","start":658.96497,"end":660.985,"sentiment":"neutral","sentiment_score":0.21860548257827758}],"sentiment":"neutral","sentiment_score":0.14324804042515002,"num_words":19,"start":652.165,"end":660.985},{"sentences":[{"text":"Yeah.","start":661.845,"end":662.32495,"sentiment":"neutral","sentiment_score":0.23837484419345856},{"text":"Absolutely.","start":662.32495,"end":662.82495,"sentiment":"neutral","sentiment_score":0.29722654819488525},{"text":"And then doing it down gradually also does help.","start":663.20496,"end":665.94,"sentiment":"neutral","sentiment_score":0.22934138112597996},{"text":"I mean, as it sort of mentally goes back through a new every year, so the policy will continue to grow back again.","start":665.94,"end":670.92,"sentiment":"neutral","sentiment_score":0.12626550702945047},{"text":"It does increase along with CPI HE, so it will sort of add some money back into there or add the value back into it.","start":671.54004,"end":679.155,"sentiment":"neutral","sentiment_score":0.21237877070903777}],"sentiment":"neutral","sentiment_score":0.1832754195241605,"num_words":59,"start":661.845,"end":679.155},{"sentences":[{"text":"With with dropping it down, we've got a couple of options.","start":679.715,"end":682.35504,"sentiment":"neutral","sentiment_score":0.16240461035208267},{"text":"So you can request to do it as a transaction without seeking advice where we just do up the documents, get you to sign everything, and we action on your behalf.","start":682.35504,"end":690.11505,"sentiment":"neutral","sentiment_score":0.17762820807195479},{"text":"Is that your request?","start":690.11505,"end":691.17,"sentiment":"neutral","sentiment_score":0.14560405537486076},{"text":"It is faster to do it that way.","start":691.41,"end":693.43,"sentiment":"neutral","sentiment_score":0.20988601073622704},{"text":"Otherwise, I can do it as personal advice.","start":693.73,"end":696.13,"sentiment":"neutral","sentiment_score":0.14053228590637445}],"sentiment":"neutral","sentiment_score":0.1722368993345768,"num_words":62,"start":679.715,"end":696.13},{"sentences":[{"text":"What would you like me to do?","start":696.13,"end":697.82996,"sentiment":"neutral","sentiment_score":0.08052099123597145},{"text":"It's honestly up to you.","start":700.37,"end":701.88995,"sentiment":"neutral","sentiment_score":0.06554196998476983},{"text":"It does take a couple of weeks to do up the personal advice document.","start":701.88995,"end":704.87,"sentiment":"neutral","sentiment_score":-0.021654742636850903},{"text":"I would be probably able to do it in about two to three weeks to do that.","start":705.01,"end":708.725,"sentiment":"neutral","sentiment_score":-0.003294298699235215},{"text":"It's essentially showing you when we reduce the cover down, what this looks like, how it affects you so far.","start":708.725,"end":713.865,"sentiment":"neutral","sentiment_score":-0.023682621819898487}],"sentiment":"neutral","sentiment_score":0.0009291250376947342,"num_words":63,"start":696.13,"end":713.865},{"sentences":[{"text":"We look at the long term effect and the advantages.","start":714.165,"end":716.90497,"sentiment":"neutral","sentiment_score":-0.03349742870777846},{"text":"No?","start":717.445,"end":717.945,"sentiment":"neutral","sentiment_score":-0.035056281834840775},{"text":"Yeah.","start":719.88,"end":720.2,"sentiment":"neutral","sentiment_score":-0.00773680442944169},{"text":"That's absolutely yeah.","start":720.2,"end":723.16,"sentiment":"neutral","sentiment_score":0.03817427949979901},{"text":"That's absolutely fine.","start":723.16,"end":724.04,"sentiment":"neutral","sentiment_score":0.20554223656654358}],"sentiment":"neutral","sentiment_score":0.01963234304760893,"num_words":18,"start":714.165,"end":724.04},{"sentences":[{"text":"So you're happy just to have it as a transaction without seeking advice?","start":724.04,"end":727.32,"sentiment":"neutral","sentiment_score":0.28451436242231953},{"text":"Just no worries at all.","start":727.32,"end":729.16,"sentiment":"neutral","sentiment_score":0.17948756068944932},{"text":"It's a nice easy document.","start":729.16,"end":730.51996,"sentiment":"positive","sentiment_score":0.5897420018911361},{"text":"We'll have it done up and sent through to you to sign today via OdooSign and then just with the the letterhead to reduce the cover down.","start":730.51996,"end":737.815,"sentiment":"neutral","sentiment_score":0.23343315858531882},{"text":"Once you sign that, we'll have it actioned.","start":738.195,"end":740.215,"sentiment":"neutral","sentiment_score":0.13491488993167877}],"sentiment":"neutral","sentiment_score":0.2573594642353469,"num_words":58,"start":724.04,"end":740.215},{"sentences":[{"text":"On there, we do also note down the risks nice and easily that you are reducing the level of, sorry, the level of cover.","start":740.515,"end":746.435,"sentiment":"neutral","sentiment_score":0.08500183994571368},{"text":"So, obviously, it does mean that less money is paid out for your insurances.","start":746.435,"end":750.2,"sentiment":"neutral","sentiment_score":-0.018875296094587872},{"text":"However, if you do decide to increase that back later, we go through I do have to go through medicals and health and and reapply for the level of cover.","start":750.58,"end":758.02,"sentiment":"neutral","sentiment_score":-0.013314651449521382},{"text":"So as long as you're comfortable with that, that's okay.","start":758.02,"end":760.695,"sentiment":"neutral","sentiment_score":0.07327160723507405},{"text":"Yeah.","start":762.03503,"end":762.515,"sentiment":"neutral","sentiment_score":0.30843585729599}],"sentiment":"neutral","sentiment_score":0.03060129619663275,"num_words":79,"start":740.515,"end":762.515},{"sentences":[{"text":"Beautiful.","start":762.515,"end":763.015,"sentiment":"positive","sentiment_score":0.5674415826797485},{"text":"All good.","start":763.075,"end":763.555,"sentiment":"positive","sentiment_score":0.4769431948661804},{"text":"Well, I'll I'll get the the letter of direction done for you to reduce your life cover down to 280,000.","start":763.555,"end":769.575,"sentiment":"neutral","sentiment_score":0.1296560015529394},{"text":"My team will send it through via OdooSign shortly for you to have that sign and return, and then we can have an action there.","start":770.195,"end":776.24,"sentiment":"neutral","sentiment_score":0.1467184841632843},{"text":"Did you want me to do up any additional quotes to email through to you to kind of mull over as well?","start":776.3,"end":781.74,"sentiment":"neutral","sentiment_score":0.06530746546658603}],"sentiment":"neutral","sentiment_score":0.13170249068311282,"num_words":70,"start":762.515,"end":781.74},{"sentences":[{"text":"Or yeah.","start":781.74,"end":785.18,"sentiment":"neutral","sentiment_score":0.031163550913333893},{"text":"What yeah.","start":785.18,"end":786.46,"sentiment":"neutral","sentiment_score":0.02174383122473955},{"text":"That's okay.","start":786.46,"end":787.2,"sentiment":"neutral","sentiment_score":0.26582592725753784},{"text":"So maybe $2.50 as well as an additional option.","start":787.47504,"end":790.615,"sentiment":"neutral","sentiment_score":0.08955390254656474},{"text":"And anything else that might come to mind you're interested in looking at, it doesn't take me much to do a quote for you.","start":790.995,"end":795.79504,"sentiment":"neutral","sentiment_score":0.1771884821355343}],"sentiment":"neutral","sentiment_score":0.14605064905033663,"num_words":39,"start":781.74,"end":795.79504},{"sentences":[{"text":"So I'm happy to do with anything else that you might be thinking about.","start":795.79504,"end":799.255,"sentiment":"positive","sentiment_score":0.40447686213467804},{"text":"200,000?","start":801.155,"end":802.215,"sentiment":"neutral","sentiment_score":0.026225512847304344},{"text":"Yep.","start":802.435,"end":802.71,"sentiment":"neutral","sentiment_score":0.05494921654462814},{"text":"Yep.","start":803.67004,"end":803.99005,"sentiment":"neutral","sentiment_score":0.17784355580806732},{"text":"Beautiful.","start":803.99005,"end":804.49005,"sentiment":"positive","sentiment_score":0.6335628032684326}],"sentiment":"positive","sentiment_score":0.3641809532418847,"num_words":18,"start":795.79504,"end":804.49005},{"sentences":[{"text":"Excellent.","start":804.87,"end":805.37,"sentiment":"positive","sentiment_score":0.64994215965271},{"text":"Well, I'll get those ones done up, and I'll email those through to you separately, and we'll get this letter of letter of direction done up for you to have the life cover reduced a little bit.","start":805.51,"end":815.51,"sentiment":"neutral","sentiment_score":0.1931682647885503},{"text":"Okay?","start":815.51,"end":816.01,"sentiment":"neutral","sentiment_score":0.17716191709041595},{"text":"Excellent.","start":817.485,"end":817.985,"sentiment":"positive","sentiment_score":0.6183624863624573},{"text":"Beautiful.","start":818.28503,"end":818.78503,"sentiment":"positive","sentiment_score":0.562445878982544}],"sentiment":"neutral","sentiment_score":0.22329605461620702,"num_words":41,"start":804.87,"end":818.78503},{"sentences":[{"text":"Well, what I would probably like to do, if it's okay, is maybe do a bit of another catch up with you probably around early December just before the Christmas break just to see where things are up to.","start":818.925,"end":828.145,"sentiment":"neutral","sentiment_score":0.043532814687261216},{"text":"Did you maybe prefer a catch up a little bit earlier than that, or is December okay?","start":828.205,"end":833.03,"sentiment":"neutral","sentiment_score":0.012814504313556588},{"text":"What would you prefer?","start":833.03,"end":834.17004,"sentiment":"neutral","sentiment_score":-0.03280181670561433},{"text":"That's okay?","start":835.35004,"end":836.17004,"sentiment":"neutral","sentiment_score":-0.005033861380070448},{"text":"Yeah.","start":836.79004,"end":837.29004,"sentiment":"neutral","sentiment_score":0.04428253322839737}],"sentiment":"neutral","sentiment_score":0.028867204599673787,"num_words":63,"start":818.925,"end":837.29004},{"sentences":[{"text":"Absolutely.","start":837.75,"end":838.25,"sentiment":"neutral","sentiment_score":0.1884050816297531},{"text":"Well, I'll perfect.","start":838.71,"end":840.07,"sentiment":"neutral","sentiment_score":0.2930781344572703},{"text":"My team will give you a call then to book in another catch up just to see how things are going, and then your review a full review is due again in March if we don't need to update the advice in that time frame.","start":840.07,"end":849.805,"sentiment":"neutral","sentiment_score":0.16810751226213244},{"text":"Okay?","start":849.805,"end":850.305,"sentiment":"neutral","sentiment_score":0.06855717301368713},{"text":"Beautiful.","start":851.245,"end":851.745,"sentiment":"positive","sentiment_score":0.5523391962051392}],"sentiment":"neutral","sentiment_score":0.18143870403953627,"num_words":51,"start":837.75,"end":851.745},{"sentences":[{"text":"Is is there any other questions or anything else you might have for me at the moment, Karen?","start":852.125,"end":856.205,"sentiment":"neutral","sentiment_score":0.05273199691954586},{"text":"No?","start":856.205,"end":856.705,"sentiment":"neutral","sentiment_score":-0.03376254439353943},{"text":"Okay.","start":858.045,"end":858.445,"sentiment":"neutral","sentiment_score":0.13687196373939514},{"text":"Well, thank you.","start":858.445,"end":859.425,"sentiment":"positive","sentiment_score":0.37807174523671466},{"text":"Yeah.","start":859.885,"end":860.365,"sentiment":"neutral","sentiment_score":0.196654349565506}],"sentiment":"neutral","sentiment_score":0.09929812288222213,"num_words":24,"start":852.125,"end":860.365},{"sentences":[{"text":"Well, thank you so much for the your time today.","start":860.365,"end":862.99,"sentiment":"positive","sentiment_score":0.521900525689125},{"text":"I hope you feel better soon.","start":862.99,"end":864.27,"sentiment":"positive","sentiment_score":0.34325626989205676},{"text":"Hopefully, you can get back to work in the near future.","start":864.27,"end":866.69,"sentiment":"neutral","sentiment_score":0.1445664485747164},{"text":"Yeah.","start":866.91003,"end":867.23,"sentiment":"neutral","sentiment_score":0.01823509857058525},{"text":"I'm so sorry you're going through that.","start":867.23,"end":869.17,"sentiment":"neutral","sentiment_score":-0.13817771284707955}],"sentiment":"neutral","sentiment_score":0.22627899769161428,"num_words":35,"start":860.365,"end":869.17},{"sentences":[{"text":"Yeah.","start":873.47003,"end":873.97003,"sentiment":"neutral","sentiment_score":-0.06459872424602509},{"text":"No.","start":876.685,"end":877.185,"sentiment":"neutral","sentiment_score":-0.23778995871543884},{"text":"Understandable.","start":877.325,"end":877.825,"sentiment":"neutral","sentiment_score":-0.04891076311469078},{"text":"Understandable.","start":878.445,"end":878.945,"sentiment":"neutral","sentiment_score":0.05141792446374893},{"text":"Well, thank you so much.","start":879.885,"end":881.005,"sentiment":"positive","sentiment_score":0.6055921316146851}],"sentiment":"neutral","sentiment_score":0.3031199040512244,"num_words":9,"start":873.47003,"end":881.005},{"sentences":[{"text":"I'll get all that sorted for you.","start":881.005,"end":882.605,"sentiment":"positive","sentiment_score":0.5433085518223899},{"text":"If anything else comes up, please don't ever hesitate to give me a buzz.","start":882.605,"end":885.9029,"sentiment":"neutral","sentiment_score":0.13937620712178095},{"text":"Easy done.","start":886.06287,"end":886.8829,"sentiment":"positive","sentiment_score":0.5253114253282547},{"text":"Thank you, Karen.","start":887.7429,"end":888.5429,"sentiment":"positive","sentiment_score":0.5753867427508036},{"text":"Enjoy your day.","start":888.5429,"end":889.3429,"sentiment":"positive","sentiment_score":0.7041260997454325}],"sentiment":"positive","sentiment_score":0.36702028071058207,"num_words":29,"start":881.005,"end":889.3429},{"sentences":[{"text":"See you later.","start":889.3429,"end":890.1629,"sentiment":"positive","sentiment_score":0.560010959704717}],"sentiment":"positive","sentiment_score":0.560010959704717,"num_words":3,"start":889.3429,"end":890.1629}]}}]},{"alternatives":[{"transcript":"Karen speaking. Hello? Well, thank you. And you? Yes. Yep. Yep. All good. Yes. Yes. Yes. Karen Masood, 15th 1162, Unit 1611, Montreal Drive, Bodrum. Yep. Yes. Yes. Yep. What what what is it at now? Yeah. That's a round number. Yep. Mhmm. Mhmm. But I also don't want it taking chunks out of my super, though. Mhmm. Yep. Mhmm. Yep. Mhmm. No. Yep. I just I just had to get a personal loan. Yeah. About 23,000, I think. Mhmm. Yeah. So it's I think it's about 50 now. Yeah. Mhmm. Yeah. What is, Yeah. Yes. Tell me what it's if if you do, what that looks like. Yeah. Alright. Okay. Okay. So yeah. It's hard one, isn't it? What's can can we do what's $2.80? Yeah. Yeah. It's so it's no. Yeah. Because that one someone's not too bad because then that way because I I just try to, you know, get my super up bit. And, also, I've had a I had a full work, so I'm on work cover as well. In June 9, I think I went to work and didn't really go home after that. I'd broken my wrist and my patella. So so I'm still doing well, I'm in sort of rehab now, I think they call it. So I'm actually on work cover at the moment, which is they give you a little bit less of your wage than normal. Yeah. And yeah. So I'm not sure when I'm going to go back to work. I might have to I may actually go sooner now. Yeah. Yeah. So well, I would like to. Yes. Yes. Mhmm. Yep. That's alright. Yes. Yes. Makes sense. Yeah. Not well, I'm seeing my yes. So it's but that's and I'm well, as I said, I'm on Walker and what do you call those crutches? Elbow crutches and whatever. So I'm definitely not working at all and to go back and be able to stand up like you stand all day. Yes. Yes. Yeah. Yes. And because I've done my wrist as well, it's not just one thing. I've got two things. So it's a bit of a so I don't know if I'll be able to go back to what I used to do or not yet. So it's just he's the the specialist got me out. I hope there's no work until October, but I think he just keeps writing a report and putting a date in. So I go back to see him in set the the September 16, and then he does another review. And and I do CTO twice a week and just to process, I suppose, to see where we end up. So at the moment at the moment, I don't know. Yeah. Yeah. I don't really know. So that's all taken into consideration what happens there too. So it's not ideal. At least, you know, I did do it at work, so I am getting paid. So it's one blessing, I suppose. I'd rather be working, but I if that's a choice, I'd rather not do this. Yeah. Yeah. Oh, god. It's awful. So yeah. Yeah. So it was a case of that's when you said about a review. And I thought, oh, it's probably not a bad idea too because to see how that's all tracking where we're up to. Yes. Yes. Yes. Well I'm I'm gonna drop it to $2.80 anyway and send me the other quotes, and then I can look at that anyway. Yep. Yes, please. Yep. Yep. Because that's an extra because that just gives me that little bit extra. Because long over the years, that adds up. Yeah. Yes. Yes. Yes. Yep. Yeah. Sure. What do you suggest? Yeah. Yeah. Yeah. No. No. We don't have to do yeah. Because we've we've talked about it anyway. We've talked about it for for a little while anyway. Yeah. Yeah. Yes. Yes. Yes, please. Yes. Yes. Yeah. Yep. Yep. Yeah. Yep. Yep. Yeah. I'm comfortable. Yeah. Why not? Because I can just look at them anyway. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Do another one. Do two. Do 2. Yeah. Yep. Yep. Sounds perfect. Yes. Yep. No. That's fine. That's fine. I might know a bit more by then anyway. Yeah. December works. Yep. Okay. Yep. Perfect. No. That's all good. All all happy. Same here. Yes. Oh, it's just one minute you're standing up next to me. You're not. It's like it's happened so far. Don't recommend it. Thank you. Okay. Thank you. Bye. You too. 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Hello? Well, thank you. And you? Yes.\n\nYep. Yep. All good. Yes. Yes.\n\nYes. Karen Masood, 15th 1162, Unit 1611, Montreal Drive, Bodrum. Yep. Yes. Yes.\n\nYep. What what what is it at now? Yeah. That's a round number. Yep.\n\nMhmm. Mhmm. But I also don't want it taking chunks out of my super, though. Mhmm. Yep.\n\nMhmm. Yep. Mhmm. No. Yep.\n\nI just I just had to get a personal loan. Yeah. About 23,000, I think. Mhmm. Yeah.\n\nSo it's I think it's about 50 now. Yeah. Mhmm. Yeah. What is, Yeah.\n\nYes. Tell me what it's if if you do, what that looks like. Yeah. Alright. Okay.\n\nOkay. So yeah. It's hard one, isn't it? What's can can we do what's $2.80? Yeah.\n\nYeah. It's so it's no. Yeah. Because that one someone's not too bad because then that way because I I just try to, you know, get my super up bit. And, also, I've had a I had a full work, so I'm on work cover as well.\n\nIn June 9, I think I went to work and didn't really go home after that. I'd broken my wrist and my patella. So so I'm still doing well, I'm in sort of rehab now, I think they call it. So I'm actually on work cover at the moment, which is they give you a little bit less of your wage than normal. Yeah.\n\nAnd yeah. So I'm not sure when I'm going to go back to work. I might have to I may actually go sooner now. Yeah. Yeah.\n\nSo well, I would like to. Yes. Yes. Mhmm. Yep.\n\nThat's alright. Yes. Yes. Makes sense. Yeah.\n\nNot well, I'm seeing my yes. So it's but that's and I'm well, as I said, I'm on Walker and what do you call those crutches? Elbow crutches and whatever. So I'm definitely not working at all and to go back and be able to stand up like you stand all day. Yes.\n\nYes. Yeah. Yes. And because I've done my wrist as well, it's not just one thing. I've got two things.\n\nSo it's a bit of a so I don't know if I'll be able to go back to what I used to do or not yet. So it's just he's the the specialist got me out. I hope there's no work until October, but I think he just keeps writing a report and putting a date in. So I go back to see him in set the the September 16, and then he does another review. And and I do CTO twice a week and just to process, I suppose, to see where we end up.\n\nSo at the moment at the moment, I don't know. Yeah. Yeah. I don't really know. So that's all taken into consideration what happens there too.\n\nSo it's not ideal. At least, you know, I did do it at work, so I am getting paid. So it's one blessing, I suppose. I'd rather be working, but I if that's a choice, I'd rather not do this. Yeah.\n\nYeah. Oh, god. It's awful. So yeah. Yeah.\n\nSo it was a case of that's when you said about a review. And I thought, oh, it's probably not a bad idea too because to see how that's all tracking where we're up to. Yes. Yes. Yes.\n\nWell I'm I'm gonna drop it to $2.80 anyway and send me the other quotes, and then I can look at that anyway. Yep. Yes, please. Yep. Yep.\n\nBecause that's an extra because that just gives me that little bit extra. Because long over the years, that adds up. Yeah. Yes. Yes.\n\nYes. Yep. Yeah. Sure. What do you suggest?\n\nYeah. Yeah. Yeah. No. No.\n\nWe don't have to do yeah. Because we've we've talked about it anyway. We've talked about it for for a little while anyway. Yeah. Yeah.\n\nYes. Yes. Yes, please. Yes. Yes.\n\nYeah. Yep. Yep. Yeah. Yep.\n\nYep. Yeah. I'm comfortable. Yeah. Why not?\n\nBecause I can just look at them anyway. Yeah. Yep. Yep. Yeah.\n\nYeah. Yeah. Do another one. Do two. Do 2.\n\nYeah. Yep. Yep. Sounds perfect. Yes.\n\nYep. No. That's fine. That's fine. I might know a bit more by then anyway.\n\nYeah. December works. Yep. Okay. Yep.\n\nPerfect. No. That's all good. All all happy. Same here.\n\nYes. Oh, it's just one minute you're standing up next to me. You're not. It's like it's happened so far. Don't recommend it.\n\nThank you. Okay. Thank you. Bye. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Karen speaking.","start":0.64,"end":1.54,"sentiment":"neutral","sentiment_score":0.01755882240831852},{"text":"Hello?","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":0.029529064893722538},{"text":"Well, thank you.","start":8.8,"end":9.44,"sentiment":"positive","sentiment_score":0.5112687448660532},{"text":"And you?","start":9.44,"end":10.179999,"sentiment":"neutral","sentiment_score":0.2905005067586899},{"text":"Yes.","start":14.639999,"end":15.139999,"sentiment":"neutral","sentiment_score":0.25681430101394653}],"sentiment":"neutral","sentiment_score":0.2706964732044273,"num_words":9,"start":0.64,"end":15.139999},{"sentences":[{"text":"Yep.","start":16.295,"end":16.795,"sentiment":"neutral","sentiment_score":0.30914175510406494},{"text":"Yep.","start":18.695,"end":19.195,"sentiment":"neutral","sentiment_score":0.23790928721427915},{"text":"All 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please.","start":650.18,"end":650.98,"sentiment":"neutral","sentiment_score":0.023921646177768707},{"text":"Yep.","start":650.98,"end":651.48,"sentiment":"neutral","sentiment_score":0.062140773981809616},{"text":"Yep.","start":651.86,"end":652.26,"sentiment":"neutral","sentiment_score":0.1982704401016235}],"sentiment":"neutral","sentiment_score":0.08680507341133696,"num_words":28,"start":630.795,"end":652.26},{"sentences":[{"text":"Because that's an extra because that just gives me that little bit extra.","start":652.26,"end":656.53503,"sentiment":"neutral","sentiment_score":0.12473246512504724},{"text":"Because long over the years, that adds up.","start":658.35504,"end":661.255,"sentiment":"neutral","sentiment_score":0.2199440523982048},{"text":"Yeah.","start":666.99506,"end":667.49506,"sentiment":"neutral","sentiment_score":0.07759852707386017},{"text":"Yes.","start":671.25995,"end":671.75995,"sentiment":"neutral","sentiment_score":0.20021912455558777},{"text":"Yes.","start":675.5,"end":676.0,"sentiment":"neutral","sentiment_score":0.11893021315336227}],"sentiment":"neutral","sentiment_score":0.15740926377475262,"num_words":24,"start":652.26,"end":676.0},{"sentences":[{"text":"Yes.","start":679.1,"end":679.6,"sentiment":"neutral","sentiment_score":0.17826390266418457},{"text":"Yep.","start":679.66,"end":680.16,"sentiment":"neutral","sentiment_score":0.16820083558559418},{"text":"Yeah.","start":693.975,"end":694.295,"sentiment":"neutral","sentiment_score":0.11358753591775894},{"text":"Sure.","start":694.295,"end":694.795,"sentiment":"neutral","sentiment_score":0.16708983480930328},{"text":"What do you suggest?","start":698.215,"end":699.355,"sentiment":"neutral","sentiment_score":0.044530254788696766}],"sentiment":"neutral","sentiment_score":0.1006578910164535,"num_words":8,"start":679.1,"end":699.355},{"sentences":[{"text":"Yeah.","start":714.575,"end":714.815,"sentiment":"neutral","sentiment_score":-0.007753604557365179},{"text":"Yeah.","start":714.815,"end":714.97504,"sentiment":"neutral","sentiment_score":-0.008085202425718307},{"text":"Yeah.","start":714.97504,"end":715.215,"sentiment":"neutral","sentiment_score":-0.013849815353751184},{"text":"No.","start":715.215,"end":715.375,"sentiment":"neutral","sentiment_score":-0.04861972853541374},{"text":"No.","start":715.375,"end":715.53503,"sentiment":"neutral","sentiment_score":-0.11257006227970125}],"sentiment":"neutral","sentiment_score":-0.03817568263038993,"num_words":5,"start":714.575,"end":715.53503},{"sentences":[{"text":"We don't have to do yeah.","start":715.53503,"end":716.815,"sentiment":"neutral","sentiment_score":-0.08084988842407863},{"text":"Because we've we've talked about it anyway.","start":716.815,"end":719.395,"sentiment":"neutral","sentiment_score":-0.035289326416594644},{"text":"We've talked about it for for a little while anyway.","start":719.775,"end":722.275,"sentiment":"neutral","sentiment_score":0.008940413128584623},{"text":"Yeah.","start":723.695,"end":724.195,"sentiment":"neutral","sentiment_score":0.22133789956569672},{"text":"Yeah.","start":724.815,"end":725.315,"sentiment":"positive","sentiment_score":0.4113640785217285}],"sentiment":"neutral","sentiment_score":-0.00040074024349451065,"num_words":25,"start":715.53503,"end":725.315},{"sentences":[{"text":"Yes.","start":725.375,"end":725.875,"sentiment":"neutral","sentiment_score":0.18829506635665896},{"text":"Yes.","start":726.015,"end":726.515,"sentiment":"neutral","sentiment_score":0.07083061337471008},{"text":"Yes, please.","start":726.575,"end":727.47504,"sentiment":"neutral","sentiment_score":0.05023654643446207},{"text":"Yes.","start":728.0,"end":728.5,"sentiment":"neutral","sentiment_score":0.11230309307575226},{"text":"Yes.","start":729.27997,"end":729.36,"sentiment":"neutral","sentiment_score":0.25753605365753174}],"sentiment":"neutral","sentiment_score":0.12157298655559619,"num_words":6,"start":725.375,"end":729.36},{"sentences":[{"text":"Yeah.","start":729.36,"end":729.86,"sentiment":"positive","sentiment_score":0.4337882995605469},{"text":"Yep.","start":734.72,"end":735.22,"sentiment":"neutral","sentiment_score":0.16924606263637543},{"text":"Yep.","start":738.48,"end":738.98,"sentiment":"neutral","sentiment_score":0.1071229726076126},{"text":"Yeah.","start":749.925,"end":750.425,"sentiment":"neutral","sentiment_score":0.009283890947699549},{"text":"Yep.","start":750.88495,"end":751.125,"sentiment":"neutral","sentiment_score":0.011507617309689522}],"sentiment":"neutral","sentiment_score":0.1461897686123848,"num_words":5,"start":729.36,"end":751.125},{"sentences":[{"text":"Yep.","start":751.125,"end":751.625,"sentiment":"neutral","sentiment_score":-0.015880713239312172},{"text":"Yeah.","start":760.39,"end":760.63,"sentiment":"neutral","sentiment_score":0.1374313235282898},{"text":"I'm comfortable.","start":760.63,"end":761.37,"sentiment":"neutral","sentiment_score":0.17346374690532687},{"text":"Yeah.","start":783.44,"end":783.68,"sentiment":"neutral","sentiment_score":0.031203635036945343},{"text":"Why not?","start":783.68,"end":784.24,"sentiment":"neutral","sentiment_score":0.017122712917625904}],"sentiment":"neutral","sentiment_score":0.07627530928168978,"num_words":7,"start":751.125,"end":784.24},{"sentences":[{"text":"Because I can just look at them anyway.","start":784.24,"end":785.77997,"sentiment":"neutral","sentiment_score":0.02328286156989634},{"text":"Yeah.","start":789.12,"end":789.62,"sentiment":"neutral","sentiment_score":0.0964568927884102},{"text":"Yep.","start":789.92,"end":790.42,"sentiment":"neutral","sentiment_score":0.10340525954961775},{"text":"Yep.","start":791.36,"end":791.86,"sentiment":"neutral","sentiment_score":0.10405004024505617},{"text":"Yeah.","start":797.77496,"end":798.015,"sentiment":"neutral","sentiment_score":0.27130216360092163}],"sentiment":"neutral","sentiment_score":0.0634564373952647,"num_words":12,"start":784.24,"end":798.015},{"sentences":[{"text":"Yeah.","start":798.015,"end":798.255,"sentiment":"neutral","sentiment_score":0.04792575165629387},{"text":"Yeah.","start":798.255,"end":798.735,"sentiment":"neutral","sentiment_score":0.03138738125562668},{"text":"Do another one.","start":798.735,"end":799.455,"sentiment":"neutral","sentiment_score":0.054366769889990486},{"text":"Do two.","start":799.455,"end":800.175,"sentiment":"neutral","sentiment_score":0.02071853121742606},{"text":"Do 2.","start":800.175,"end":800.83496,"sentiment":"neutral","sentiment_score":0.0121262576431036}],"sentiment":"neutral","sentiment_score":0.03423366892255015,"num_words":9,"start":798.015,"end":800.83496},{"sentences":[{"text":"Yeah.","start":802.65497,"end":803.15497,"sentiment":"neutral","sentiment_score":0.08706922829151154},{"text":"Yep.","start":809.7,"end":809.94,"sentiment":"neutral","sentiment_score":0.19049647450447085},{"text":"Yep.","start":809.94,"end":810.44,"sentiment":"neutral","sentiment_score":0.10622169822454453},{"text":"Sounds perfect.","start":817.06,"end":817.8,"sentiment":"positive","sentiment_score":0.6493211090564728},{"text":"Yes.","start":821.505,"end":822.005,"sentiment":"neutral","sentiment_score":0.0410567931830883}],"sentiment":"neutral","sentiment_score":0.28724773538609344,"num_words":6,"start":802.65497,"end":822.005},{"sentences":[{"text":"Yep.","start":832.22504,"end":832.72504,"sentiment":"neutral","sentiment_score":0.012047353200614452},{"text":"No.","start":833.47003,"end":833.63,"sentiment":"neutral","sentiment_score":-0.06418709456920624},{"text":"That's fine.","start":833.63,"end":834.35004,"sentiment":"neutral","sentiment_score":-0.033624406438320875},{"text":"That's fine.","start":834.35004,"end":834.91003,"sentiment":"neutral","sentiment_score":0.0196798755787313},{"text":"I might know a bit more by then anyway.","start":834.91003,"end":836.69,"sentiment":"neutral","sentiment_score":-0.009635056782927778}],"sentiment":"neutral","sentiment_score":-0.011116287608941396,"num_words":15,"start":832.22504,"end":836.69},{"sentences":[{"text":"Yeah.","start":836.83,"end":837.33,"sentiment":"neutral","sentiment_score":0.08474113047122955},{"text":"December 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happy.","start":858.07495,"end":859.375,"sentiment":"neutral","sentiment_score":0.26750455300013226},{"text":"Same here.","start":865.43,"end":866.17,"sentiment":"neutral","sentiment_score":0.1123846210539341}],"sentiment":"neutral","sentiment_score":0.19311654940247536,"num_words":10,"start":851.27496,"end":866.17},{"sentences":[{"text":"Yes.","start":867.67,"end":868.17,"sentiment":"neutral","sentiment_score":-0.03700675815343857},{"text":"Oh, it's just one minute you're standing up next to me.","start":869.59,"end":872.07,"sentiment":"neutral","sentiment_score":-0.09599578685381195},{"text":"You're not.","start":872.07,"end":872.55,"sentiment":"neutral","sentiment_score":-0.31159940361976624},{"text":"It's like it's happened so far.","start":872.55,"end":874.17,"sentiment":"neutral","sentiment_score":-0.1686618315676848},{"text":"Don't recommend it.","start":874.665,"end":875.89496,"sentiment":"negative","sentiment_score":-0.4611528317133586}],"sentiment":"neutral","sentiment_score":-0.1787647263187429,"num_words":23,"start":867.67,"end":875.89496},{"sentences":[{"text":"Thank you.","start":881.32294,"end":882.14294,"sentiment":"positive","sentiment_score":0.5362363755702972},{"text":"Okay.","start":886.60297,"end":887.10297,"sentiment":"positive","sentiment_score":0.3358566164970398},{"text":"Thank you.","start":887.32294,"end":888.04297,"sentiment":"positive","sentiment_score":0.6320099830627441},{"text":"Bye.","start":888.04297,"end":888.54297,"sentiment":"positive","sentiment_score":0.5258506536483765},{"text":"You too.","start":889.803,"end":890.52295,"sentiment":"positive","sentiment_score":0.34683898091316223}],"sentiment":"positive","sentiment_score":0.48648474365472794,"num_words":8,"start":881.32294,"end":890.52295},{"sentences":[{"text":"Bye.","start":890.52295,"end":891.02295,"sentiment":"neutral","sentiment_score":-0.11362774670124054}],"sentiment":"neutral","sentiment_score":-0.11362774670124054,"num_words":1,"start":890.52295,"end":891.02295}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Karen speaking. Hello?\n\nChannel 0: Hi, Karen. This is Dana from Okeech Financial. How are you this morning?\n\nChannel 1: Well, thank you. And you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in this morning for a bit of a catch up.\n\nChannel 1: Yes.\n\nChannel 0: Is now still a good time?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Karen, before we jump into the call, just to let you know,\n\nChannel 1: All\n\nChannel 0: we do record our calls for quality and training purposes.\n\nChannel 1: good.\n\nChannel 0: Are you happy for me to proceed with that?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Beautiful. And just to do a quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Karen Masood, 15th 1162, Unit\n\nChannel 0: Yep.\n\nChannel 1: 1611, Montreal Drive, Bodrum.\n\nChannel 0: Beautiful. Thank you so much for that. Karen, I wanted to sort of do a bit of a quick catch up with you just because you had your annual review back with my colleague Kyle in March there. And recently, you were sort of looking to\n\nChannel 1: Yep.\n\nChannel 0: have a look at the life cover, look at reducing things and altering cover. So I want to catch up to see where you're at with that, what you're thinking, and\n\nChannel 1: Yes.\n\nChannel 0: if there's any new\n\nChannel 1: Yes.\n\nChannel 0: advice we can maybe help you with moving forward.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: What what what is it at now?\n\nChannel 0: So I've got the quote here in front of me. So at the\n\nChannel 1: Yeah.\n\nChannel 0: moment, the level of life cover you have gives you a sum insured of 311,717.\n\nChannel 1: That's a round number. Yep.\n\nChannel 0: It is a random number. How do you sort of like, if you think about the life cover you have and maybe if we sort of work it out and break it down for you. So if you were to say I'm sorry to sort of go into the scenario, but if you were to sort of pass away today, I'm assuming you want everything sort paid to Andre to help cover any bills and debts and support him. Is that right?\n\nChannel 1: Mhmm. Mhmm. But\n\nChannel 0: Yeah.\n\nChannel 1: I also\n\nChannel 0: Beautiful.\n\nChannel 1: don't want it taking chunks out\n\nChannel 0: Oh,\n\nChannel 1: of my\n\nChannel 0: you're so\n\nChannel 1: super,\n\nChannel 0: far.\n\nChannel 1: though.\n\nChannel 0: Absolutely. Yeah. Definitely. Well, at the moment, the yearly premium that you have paid for the cover is $3,339.94 there. So if you think about the level of cover you have, if you were to pass away today, obviously, the $311,007.01 7 is paid out.\n\nAnd then the super\n\nChannel 1: Mhmm.\n\nChannel 0: balance paid on top of that is also paid out as a as a benefit. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: With your current super balance, it is sitting here at I'm just looking at super for you real quick. 43,938 there as well. So, realistically, if you add the two together, we've got $371.07 plus, say, $4,393.08. We're looking at about 355,655 of life cover that could be paid out to Andre if you would have passed away\n\nChannel 1: Mhmm.\n\nChannel 0: in the current circumstances there.\n\nChannel 1: Yep.\n\nChannel 0: Having a look at what that would probably cover there for you, From what I can see, you're renting. You don't have any debts to pay out at the moment. Is that right?\n\nChannel 1: Mhmm.\n\nChannel 0: There's\n\nChannel 1: No.\n\nChannel 0: no sort\n\nChannel 1: Yep.\n\nChannel 0: of loans\n\nChannel 1: I\n\nChannel 0: or credit cards that would need to be covered?\n\nChannel 1: just I just had to get a personal loan.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Personal loan. No. That's okay. That's alright. How much is on the personal loan currently?\n\nChannel 1: About 23,000, I think.\n\nChannel 0: 23,000? Okay. Perfect. So if I look at that for you, so 23,000, that leaves about $332,006.55 of the life benefit there. And then your income,\n\nChannel 1: Mhmm.\n\nChannel 0: we had you earning around about 46,800. Is that still fairly accurate for your income?\n\nChannel 1: Yeah. So it's I think it's about 50 now.\n\nChannel 0: About 50 now. Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: So I'll pop that in there for you. Beautiful. So then if we sort of divide that by 50,000 just to sort of replace your income for a certain period of time, it essentially means that if Andre was to be covered with the or was to be paid out the benefit plus your super, it could pay out the current personal loan benefit, and then also replace your income at $50,000 per annum for about six and a half years, essentially, almost seven years if you could live on a little bit less of that. So do you sort of feel like that level of cover's okay? Is it appropriate?\n\nDid you wanna look at maybe reducing that\n\nChannel 1: Mhmm.\n\nChannel 0: a bit\n\nChannel 1: Yeah.\n\nChannel 0: further,\n\nChannel 1: What\n\nChannel 0: or\n\nChannel 1: is,\n\nChannel 0: or how do you\n\nChannel 1: Yeah. Yes.\n\nChannel 0: yeah.\n\nChannel 1: Tell me what it's if if you do, what that\n\nChannel 0: That's\n\nChannel 1: looks\n\nChannel 0: okay.\n\nChannel 1: like.\n\nChannel 0: The last, that's alright. The last conversation was you wanted to look at 250,000. So if\n\nChannel 1: Yeah.\n\nChannel 0: we reduced your life cover to 250,000, it essentially reduces the premium to about $2,678. It's a rough saving of around about $661 and $20.27 cents for the year on the premium. So it is $600 that stays in your super. You can, if you decide to look to alter that at the time of the renewal or if you do happen to alter that prior to the policy going through a renewal period, they're they just, sorry, refund you the difference back to your super fund.\n\nChannel 1: Alright. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. So yeah. It's hard one, isn't it?\n\nChannel 0: It is a difficult one. Yeah. I can read you the quotes and send it through to you if you like. If you wanted to maybe sit down with Andre and look at what's important to you, what you are sort of wanting to look at, how much you feel would be an appropriate level of cover. And I'm happy to do up a couple of quotes if it sort of means you just need some time to think it through.\n\nChannel 1: What's can can we do what's $2.80?\n\nChannel 0: Let's have a quick look for you. So 280,000,\n\nChannel 1: Yeah.\n\nChannel 0: that reduces the premium to $3,000 on a yearly basis. So saving about $339 for the year and giving you 280,000 plus that 43 if you see the benefit.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Which\n\nChannel 1: It's\n\nChannel 0: isn't too bad\n\nChannel 1: so\n\nChannel 0: a benefit amount.\n\nChannel 1: it's\n\nChannel 0: Yeah.\n\nChannel 1: no. Yeah. Because that one someone's not too bad because then that way\n\nChannel 0: One three eight.\n\nChannel 1: because I I just try to, you know, get my super up bit. And, also, I've had a I had a full work, so I'm\n\nChannel 0: Yes.\n\nChannel 1: on work\n\nChannel 0: Oh,\n\nChannel 1: cover\n\nChannel 0: I'm\n\nChannel 1: as\n\nChannel 0: so\n\nChannel 1: well.\n\nChannel 0: sorry. Oh, wow.\n\nChannel 1: In\n\nChannel 0: I'm so sorry to hear that.\n\nChannel 1: June 9, I think I went to work and didn't really go home after that. I'd\n\nChannel 0: Wow.\n\nChannel 1: broken my wrist and my patella.\n\nChannel 0: Oh, goodness me.\n\nChannel 1: So so I'm still doing well, I'm in sort of rehab now, I think they call it. So I'm actually on work cover at the moment, which\n\nChannel 0: Yes.\n\nChannel 1: is they give you a little bit less of your wage\n\nChannel 0: Yes.\n\nChannel 1: than normal.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: yeah. So I'm not sure when I'm going to go back to work.\n\nChannel 0: Okay. Yes. No. That's completely understandable. Did you I mean, having a look the way because I looked at your super as well this morning and to sort of give you a bit of a run through.\n\nFor the year, it hasn't done too bad. And, look, there are definitely things that we can do, and I had a bit of a look. You sort of are hoping to be able to stop working fully or retire around about age 67. Is that still when you're thinking you're wanting to hopefully,\n\nChannel 1: I might have\n\nChannel 0: stop,\n\nChannel 1: to I may actually go sooner\n\nChannel 0: if not\n\nChannel 1: now.\n\nChannel 0: earlier? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Hopefully, we can get you back there.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: So\n\nChannel 0: yeah. What's\n\nChannel 1: well, I would\n\nChannel 0: your\n\nChannel 1: like\n\nChannel 0: sort\n\nChannel 1: to.\n\nChannel 0: of thought?\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So, realistically, within that sort of about three year time horizon, we would be wanting to kind of boost your super a bit more because your balance is definitely\n\nChannel 1: Mhmm.\n\nChannel 0: lower than where I'd sorta like it to be. Albeit, it has been growing quite nicely. So when we look at the returns that it has been able to achieve in the last since cloud did your annual review in March,\n\nChannel 1: Yep.\n\nChannel 0: you've made 4.59% net of stays.\n\nChannel 1: That's alright.\n\nChannel 0: So, yeah, it is definitely working. It is growing, albeit with a slow with a lower balance, it does mean the earnings are also lower. So a four\n\nChannel 1: Yes.\n\nChannel 0: percent\n\nChannel 1: Yes.\n\nChannel 0: return\n\nChannel 1: Makes\n\nChannel 0: is\n\nChannel 1: sense.\n\nChannel 0: about 18\n\nChannel 1: Yeah.\n\nChannel 0: $100 in earnings. But is there any kind of guide on when you might be able to get back to work or when they're hoping to get you back\n\nChannel 1: Not\n\nChannel 0: into\n\nChannel 1: well,\n\nChannel 0: work?\n\nChannel 1: I'm\n\nChannel 0: Because you're\n\nChannel 1: seeing\n\nChannel 0: a hairdresser.\n\nChannel 1: my yes. So it's but that's and I'm well, as I said, I'm on Walker and what do you call\n\nChannel 0: Difficult.\n\nChannel 1: those crutches? Elbow crutches and whatever. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm definitely not working at all and\n\nChannel 0: Yes.\n\nChannel 1: to go back and be able to stand up like you stand all day.\n\nChannel 0: Yeah. That's what I was thinking. You you very manually, you're sort of up on\n\nChannel 1: Yes.\n\nChannel 0: your feet all day long, aren't you? And\n\nChannel 1: Yes.\n\nChannel 0: leaning over people, so you sorta have to be able to hold yourself up. Yeah.\n\nChannel 1: Yeah. Yes. And because I've done my wrist as well, it's not just one thing. I've got two things. So it's a bit of a so I don't know if I'll be able to go back to what I used to do or not\n\nChannel 0: Yeah.\n\nChannel 1: yet. So\n\nChannel 0: Okay.\n\nChannel 1: it's just he's the the specialist got me out. I hope there's no work until October, but I think he just keeps writing a report and putting a date in.\n\nChannel 0: Yes.\n\nChannel 1: So I go back to see him in set the the September 16, and then he does another review. And and I do CTO twice a week and just to process, I suppose, to see where we end\n\nChannel 0: Yeah.\n\nChannel 1: up. So\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: at the moment\n\nChannel 0: It's\n\nChannel 1: at\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: bit\n\nChannel 1: moment,\n\nChannel 0: up\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: don't\n\nChannel 0: the air.\n\nChannel 1: know. Yeah. Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: don't really know. So that's\n\nChannel 0: No.\n\nChannel 1: all taken into consideration what happens there too.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: So it's not ideal. At least, you know, I did do it at work, so I am getting paid. So it's one blessing,\n\nChannel 0: Yeah.\n\nChannel 1: I suppose. I'd rather\n\nChannel 0: Yeah.\n\nChannel 1: be working, but I if that's a choice,\n\nChannel 0: No.\n\nChannel 1: I'd rather\n\nChannel 0: Understandable.\n\nChannel 1: not do this.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Not be in so much pain.\n\nChannel 1: Yeah. Oh, god. It's\n\nChannel 0: Yeah.\n\nChannel 1: awful.\n\nChannel 0: I'm so sorry.\n\nChannel 1: So yeah. Yeah. So it was a case of that's when you said about a review. And I thought, oh, it's probably not a bad idea too because to see how that's all tracking\n\nChannel 0: Yeah. Definitely.\n\nChannel 1: where we're up\n\nChannel 0: Well,\n\nChannel 1: to.\n\nChannel 0: when we when we sort of originally provided that advice and got you into Hub 24 and moved everything over into that discovery area, since then, that was about 2024 in July. So since then so you've technically had this over two years there. Since coming onboard and going into that hub twenty four, you've made 17.33%. So when we kind of break that up over the two years, it's averaged about 8.66% per year so far. So it is definitely working and growing and building, but your insurance premiums do have an effect on your super because they do get more expensive every year as it goes through renewal,\n\nChannel 1: Yes.\n\nChannel 0: especially as\n\nChannel 1: Yes.\n\nChannel 0: you are older. So, you know, being open\n\nChannel 1: Yes.\n\nChannel 0: and honest about that one. If you wanted to, I could email through the quotes again. I could\n\nChannel 1: Well\n\nChannel 0: do this $2.80 to $2.50, maybe a 150 for you to sort of weigh up what you're comfortable with.\n\nChannel 1: I'm I'm gonna drop it to $2.80 anyway\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Okay.\n\nChannel 1: send me\n\nChannel 0: Beautiful.\n\nChannel 1: the other quotes, and then I can look at that anyway.\n\nChannel 0: Yep. Did did you want us to go ahead and look to reduce\n\nChannel 1: Yep.\n\nChannel 0: the life cover to 280? Yep.\n\nChannel 1: Yes,\n\nChannel 0: A\n\nChannel 1: please.\n\nChannel 0: thousand?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Well,\n\nChannel 1: Because\n\nChannel 0: did you want\n\nChannel 1: that's\n\nChannel 0: us\n\nChannel 1: an\n\nChannel 0: to do\n\nChannel 1: extra\n\nChannel 0: it Yep.\n\nChannel 1: because that just gives me that little bit extra.\n\nChannel 0: Extra. Yep. That's absolutely\n\nChannel 1: Because long\n\nChannel 0: fine. We've got a\n\nChannel 1: over the years,\n\nChannel 0: Yes,\n\nChannel 1: that\n\nChannel 0: sir.\n\nChannel 1: adds up.\n\nChannel 0: Yeah. Absolutely. And then doing it down gradually also does help. I mean, as it sort of mentally\n\nChannel 1: Yeah.\n\nChannel 0: goes back through a new every year, so the policy will continue to grow back again.\n\nChannel 1: Yes.\n\nChannel 0: It does increase along with CPI HE, so it will sort of add some\n\nChannel 1: Yes.\n\nChannel 0: money back into there or add the value back into it.\n\nChannel 1: Yes. Yep.\n\nChannel 0: With with dropping it down, we've got a couple of options. So you can request to do it as a transaction without seeking advice where we just do up the documents, get you to sign everything, and we action on your behalf. Is that your request? It is faster to do it that way. Otherwise,\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Sure.\n\nChannel 0: can do it as personal advice. What would you like me to do?\n\nChannel 1: What do you suggest?\n\nChannel 0: It's honestly up to you. It does take a couple of weeks to do up the personal advice document. I would be probably able to do it in about two to three weeks to do that. It's essentially showing you when we reduce the cover down, what this looks like, how it affects you so far. We look at\n\nChannel 1: Yeah.\n\nChannel 0: the long\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: term\n\nChannel 1: No.\n\nChannel 0: effect\n\nChannel 1: No. We don't\n\nChannel 0: and\n\nChannel 1: have to\n\nChannel 0: the\n\nChannel 1: do\n\nChannel 0: advantages.\n\nChannel 1: yeah. Because we've\n\nChannel 0: No?\n\nChannel 1: we've talked about it anyway. We've\n\nChannel 0: Yeah.\n\nChannel 1: talked\n\nChannel 0: That's\n\nChannel 1: about it for\n\nChannel 0: absolutely\n\nChannel 1: for a little while anyway.\n\nChannel 0: yeah. That's absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. So you're happy just\n\nChannel 1: Yeah.\n\nChannel 0: to have it as a\n\nChannel 1: Yes.\n\nChannel 0: transaction\n\nChannel 1: Yes.\n\nChannel 0: without seeking\n\nChannel 1: Yes,\n\nChannel 0: advice?\n\nChannel 1: please.\n\nChannel 0: Just\n\nChannel 1: Yes.\n\nChannel 0: no worries at all. It's\n\nChannel 1: Yes. Yeah.\n\nChannel 0: a nice easy document. We'll have it done up and sent through to you to sign today via OdooSign and then just\n\nChannel 1: Yep.\n\nChannel 0: with the the letterhead to reduce the cover down. Once\n\nChannel 1: Yep.\n\nChannel 0: you sign that, we'll have it actioned. On there, we do also note down the risks nice and easily that you are reducing the level of, sorry, the level of cover. So, obviously, it does mean that less money is paid out for your insurances.\n\nChannel 1: Yeah.\n\nChannel 0: However,\n\nChannel 1: Yep.\n\nChannel 0: if you\n\nChannel 1: Yep.\n\nChannel 0: do decide to increase that back later, we go through I do have to go through medicals and health and and reapply for the level of cover. So as long as you're comfortable with that, that's okay.\n\nChannel 1: Yeah. I'm comfortable.\n\nChannel 0: Yeah. Beautiful. All good. Well, I'll I'll get the the letter of direction done for you to reduce your life cover down to 280,000. My team will send it through via OdooSign shortly for you to have that sign and return, and then we can have an action there.\n\nDid you want me to do up any additional quotes to email through to you to kind of mull over as well? Or\n\nChannel 1: Yeah. Why not? Because I can just\n\nChannel 0: yeah.\n\nChannel 1: look at them\n\nChannel 0: What\n\nChannel 1: anyway.\n\nChannel 0: yeah. That's okay. So maybe $2.50 as well as\n\nChannel 1: Yeah.\n\nChannel 0: an additional\n\nChannel 1: Yep.\n\nChannel 0: option. And anything\n\nChannel 1: Yep.\n\nChannel 0: else that might come to mind you're interested in looking at, it doesn't take me much to do a quote for you. So I'm happy to do with anything else that\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: might\n\nChannel 1: Yeah.\n\nChannel 0: be thinking\n\nChannel 1: Do\n\nChannel 0: about.\n\nChannel 1: another one. Do two. Do 2.\n\nChannel 0: 200,000? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. Well, I'll get those ones done up, and I'll email those through to you separately, and we'll get this\n\nChannel 1: Yep. Yep.\n\nChannel 0: letter of letter of direction done up for you to have the life cover reduced a little bit. Okay?\n\nChannel 1: Sounds perfect.\n\nChannel 0: Excellent. Beautiful. Well, what I would probably like to do, if it's okay, is maybe do\n\nChannel 1: Yes.\n\nChannel 0: a bit of another catch up with you probably around early December just before the Christmas break just to see where things are up to. Did you maybe prefer a catch up a little bit earlier than that, or is December\n\nChannel 1: Yep.\n\nChannel 0: okay? What would you\n\nChannel 1: No. That's\n\nChannel 0: prefer?\n\nChannel 1: fine. That's fine. I might know\n\nChannel 0: That's\n\nChannel 1: a bit more\n\nChannel 0: okay?\n\nChannel 1: by then anyway.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: December works.\n\nChannel 0: Well, I'll perfect. My team will give you a call then to book in another catch up just to see how things are going, and then your\n\nChannel 1: Yep.\n\nChannel 0: review a full review is due again in March if we don't need to update the advice in that time frame.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Perfect.\n\nChannel 0: Is is there any other questions or anything else\n\nChannel 1: No.\n\nChannel 0: you might have for me at the moment, Karen? No?\n\nChannel 1: That's all good.\n\nChannel 0: Okay.\n\nChannel 1: All all\n\nChannel 0: Well, thank\n\nChannel 1: happy.\n\nChannel 0: you. Yeah. Well, thank you so much for the your time today. I hope you feel better soon. Hopefully, you can get back to work\n\nChannel 1: Same\n\nChannel 0: in\n\nChannel 1: here.\n\nChannel 0: the near future. Yeah. I'm so\n\nChannel 1: Yes.\n\nChannel 0: sorry you're going through that.\n\nChannel 1: Oh, it's just one minute you're standing up next to me. You're not. It's like it's happened\n\nChannel 0: Yeah.\n\nChannel 1: so far. Don't recommend it.\n\nChannel 0: No. Understandable. Understandable. Well, thank you so much. I'll get\n\nChannel 1: Thank\n\nChannel 0: all that\n\nChannel 1: you.\n\nChannel 0: sorted for you. If anything else comes up, please don't ever hesitate to give me a buzz. Easy done.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Thank you,\n\nChannel 1: Bye.\n\nChannel 0: Karen. Enjoy your day. See you later.\n\nChannel 1: You too. Bye.","paragraphs":[{"sentences":[{"text":"Karen speaking.","start":0.64,"end":1.54,"sentiment":"neutral","sentiment_score":0.01755882240831852},{"text":"Hello?","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":0.029529064893722538}],"sentiment":"neutral","sentiment_score":0.021548903236786526,"channel":1,"num_words":3,"start":0.64,"end":4.18},{"sentences":[{"text":"Hi, Karen.","start":4.96,"end":5.52,"sentiment":"neutral","sentiment_score":0.13525564223527908},{"text":"This is Dana from Okeech Financial.","start":5.52,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.1834934577345848},{"text":"How are you this morning?","start":7.2799997,"end":8.42,"sentiment":"neutral","sentiment_score":0.2995571196079254}],"sentiment":"neutral","sentiment_score":0.22071212530136108,"channel":0,"num_words":13,"start":4.96,"end":8.42},{"sentences":[{"text":"Well, thank you.","start":8.8,"end":9.44,"sentiment":"positive","sentiment_score":0.5112687448660532},{"text":"And you?","start":9.44,"end":10.179999,"sentiment":"neutral","sentiment_score":0.2905005067586899}],"sentiment":"positive","sentiment_score":0.4229614496231079,"channel":1,"num_words":5,"start":8.8,"end":10.179999},{"sentences":[{"text":"I'm very well.","start":10.4,"end":11.2,"sentiment":"positive","sentiment_score":0.6543694933255514},{"text":"Thank you.","start":11.2,"end":11.599999,"sentiment":"positive","sentiment_score":0.732623964548111},{"text":"Thanks for asking.","start":11.599999,"end":12.48,"sentiment":"positive","sentiment_score":0.6890956362088522},{"text":"I had you booked in this morning for a bit of a catch up.","start":12.48,"end":14.835,"sentiment":"neutral","sentiment_score":0.29515665237392696}],"sentiment":"positive","sentiment_score":0.4376289295879277,"channel":0,"num_words":22,"start":10.4,"end":14.835},{"sentences":[{"text":"Yes.","start":14.639999,"end":15.139999,"sentiment":"neutral","sentiment_score":0.25681430101394653}],"sentiment":"neutral","sentiment_score":0.25681430101394653,"channel":1,"num_words":1,"start":14.639999,"end":15.139999},{"sentences":[{"text":"Is now still a good time?","start":14.835,"end":16.215,"sentiment":"neutral","sentiment_score":0.3148670395215352}],"sentiment":"neutral","sentiment_score":0.3148670395215352,"channel":0,"num_words":6,"start":14.835,"end":16.215},{"sentences":[{"text":"Yep.","start":16.295,"end":16.795,"sentiment":"neutral","sentiment_score":0.30914175510406494}],"sentiment":"neutral","sentiment_score":0.30914175510406494,"channel":1,"num_words":1,"start":16.295,"end":16.795},{"sentences":[{"text":"Fantastic.","start":17.715,"end":18.215,"sentiment":"positive","sentiment_score":0.618552029132843}],"sentiment":"positive","sentiment_score":0.618552029132843,"channel":0,"num_words":1,"start":17.715,"end":18.215},{"sentences":[{"text":"Yep.","start":18.695,"end":19.195,"sentiment":"neutral","sentiment_score":0.23790928721427915}],"sentiment":"neutral","sentiment_score":0.23790928721427915,"channel":1,"num_words":1,"start":18.695,"end":19.195},{"sentences":[{"text":"Karen, before we jump into the call, just to let you know,","start":19.075,"end":21.235,"sentiment":"neutral","sentiment_score":0.10773892576495807}],"sentiment":"neutral","sentiment_score":0.10773892576495807,"channel":0,"num_words":12,"start":19.075,"end":21.235},{"sentences":[{"text":"All","start":21.095001,"end":21.595001,"sentiment":"neutral","sentiment_score":0.07613285630941391}],"sentiment":"neutral","sentiment_score":0.07613285630941391,"channel":1,"num_words":1,"start":21.095001,"end":21.595001},{"sentences":[{"text":"we do record our calls for quality and training purposes.","start":21.235,"end":23.635,"sentiment":"neutral","sentiment_score":0.0966940015554428}],"sentiment":"neutral","sentiment_score":0.0966940015554428,"channel":0,"num_words":10,"start":21.235,"end":23.635},{"sentences":[{"text":"good.","start":23.495,"end":23.995,"sentiment":"positive","sentiment_score":0.3921149373054504}],"sentiment":"positive","sentiment_score":0.3921149373054504,"channel":1,"num_words":1,"start":23.495,"end":23.995},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":23.635,"end":25.735,"sentiment":"positive","sentiment_score":0.3350315988063812}],"sentiment":"positive","sentiment_score":0.3350315988063812,"channel":0,"num_words":9,"start":23.635,"end":25.735},{"sentences":[{"text":"Yes.","start":25.895,"end":26.215,"sentiment":"neutral","sentiment_score":0.14454296231269836},{"text":"Yes.","start":26.215,"end":26.375,"sentiment":"neutral","sentiment_score":0.15894049406051636},{"text":"Yes.","start":26.375,"end":26.875,"sentiment":"neutral","sentiment_score":0.26033568382263184}],"sentiment":"neutral","sentiment_score":0.1879397133986155,"channel":1,"num_words":3,"start":25.895,"end":26.875},{"sentences":[{"text":"Beautiful.","start":27.26,"end":27.66,"sentiment":"positive","sentiment_score":0.5623514652252197},{"text":"And just to do a quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":27.66,"end":33.84,"sentiment":"neutral","sentiment_score":0.2214111044551387}],"sentiment":"neutral","sentiment_score":0.23143876212484696,"channel":0,"num_words":34,"start":27.26,"end":33.84},{"sentences":[{"text":"Karen Masood, 15th 1162, Unit","start":34.75,"end":37.95,"sentiment":"neutral","sentiment_score":0.029564806446433067}],"sentiment":"neutral","sentiment_score":0.029564806446433067,"channel":1,"num_words":5,"start":34.75,"end":37.95},{"sentences":[{"text":"Yep.","start":37.66,"end":38.16,"sentiment":"neutral","sentiment_score":0.03704037517309189}],"sentiment":"neutral","sentiment_score":0.03704037517309189,"channel":0,"num_words":1,"start":37.66,"end":38.16},{"sentences":[{"text":"1611, Montreal Drive, Bodrum.","start":37.95,"end":39.97,"sentiment":"neutral","sentiment_score":0.03494071448221803}],"sentiment":"neutral","sentiment_score":0.03494071448221803,"channel":1,"num_words":4,"start":37.95,"end":39.97},{"sentences":[{"text":"Beautiful.","start":40.46,"end":40.940002,"sentiment":"positive","sentiment_score":0.5594347715377808},{"text":"Thank you so much for that.","start":40.940002,"end":42.525,"sentiment":"positive","sentiment_score":0.7118419408798218},{"text":"Karen, I wanted to sort of do a bit of a quick catch up with you just because you had your annual review back with my colleague Kyle in March there.","start":42.765003,"end":48.785,"sentiment":"neutral","sentiment_score":0.20848715113055322},{"text":"And recently, you were sort of looking to","start":49.245003,"end":51.085,"sentiment":"neutral","sentiment_score":0.0624526240862906}],"sentiment":"neutral","sentiment_score":0.25637411075117794,"channel":0,"num_words":46,"start":40.46,"end":51.085},{"sentences":[{"text":"Yep.","start":51.035,"end":51.535,"sentiment":"neutral","sentiment_score":0.07363192737102509}],"sentiment":"neutral","sentiment_score":0.07363192737102509,"channel":1,"num_words":1,"start":51.035,"end":51.535},{"sentences":[{"text":"have a look at the life cover, look at reducing things and altering cover.","start":51.085,"end":54.780003,"sentiment":"neutral","sentiment_score":0.03894285910895893},{"text":"So I want to catch up to see where you're at with that, what you're thinking, and","start":54.780003,"end":58.22,"sentiment":"neutral","sentiment_score":0.11465168831979528}],"sentiment":"neutral","sentiment_score":0.08046060416006273,"channel":0,"num_words":31,"start":51.085,"end":58.22},{"sentences":[{"text":"Yes.","start":57.754997,"end":58.254997,"sentiment":"neutral","sentiment_score":0.11264298856258392}],"sentiment":"neutral","sentiment_score":0.11264298856258392,"channel":1,"num_words":1,"start":57.754997,"end":58.254997},{"sentences":[{"text":"if there's any new","start":58.22,"end":59.02,"sentiment":"neutral","sentiment_score":0.0642321053892374}],"sentiment":"neutral","sentiment_score":0.0642321053892374,"channel":0,"num_words":4,"start":58.22,"end":59.02},{"sentences":[{"text":"Yes.","start":58.954998,"end":59.454998,"sentiment":"neutral","sentiment_score":0.12004241347312929}],"sentiment":"neutral","sentiment_score":0.12004241347312929,"channel":1,"num_words":1,"start":58.954998,"end":59.454998},{"sentences":[{"text":"advice we can maybe help you with moving forward.","start":59.02,"end":61.52,"sentiment":"neutral","sentiment_score":0.22076572643385994}],"sentiment":"neutral","sentiment_score":0.22076572643385994,"channel":0,"num_words":9,"start":59.02,"end":61.52},{"sentences":[{"text":"Yep.","start":62.02,"end":62.52,"sentiment":"neutral","sentiment_score":0.05606808885931969}],"sentiment":"neutral","sentiment_score":0.05606808885931969,"channel":1,"num_words":1,"start":62.02,"end":62.52},{"sentences":[{"text":"Yeah.","start":63.18,"end":63.68,"sentiment":"neutral","sentiment_score":0.0352395623922348}],"sentiment":"neutral","sentiment_score":0.0352395623922348,"channel":0,"num_words":1,"start":63.18,"end":63.68},{"sentences":[{"text":"What what what is it at now?","start":64.1,"end":65.72,"sentiment":"neutral","sentiment_score":-0.011797947276915823}],"sentiment":"neutral","sentiment_score":-0.011797947276915823,"channel":1,"num_words":7,"start":64.1,"end":65.72},{"sentences":[{"text":"So I've got the quote here in front of me.","start":66.46,"end":68.380005,"sentiment":"neutral","sentiment_score":0.04407444428652525},{"text":"So at the","start":68.380005,"end":68.86,"sentiment":"neutral","sentiment_score":0.02092748445769151}],"sentiment":"neutral","sentiment_score":0.038732838172179,"channel":0,"num_words":13,"start":66.46,"end":68.86},{"sentences":[{"text":"Yeah.","start":68.82,"end":69.32,"sentiment":"neutral","sentiment_score":0.03335068002343178}],"sentiment":"neutral","sentiment_score":0.03335068002343178,"channel":1,"num_words":1,"start":68.82,"end":69.32},{"sentences":[{"text":"moment, the level of life cover you have gives you a sum insured of 311,717.","start":68.86,"end":75.895004,"sentiment":"neutral","sentiment_score":0.04933534475664298}],"sentiment":"neutral","sentiment_score":0.04933534475664298,"channel":0,"num_words":15,"start":68.86,"end":75.895004},{"sentences":[{"text":"That's a round number.","start":77.605,"end":78.485,"sentiment":"neutral","sentiment_score":0.06538860686123371},{"text":"Yep.","start":78.485,"end":78.985,"sentiment":"neutral","sentiment_score":0.048686012625694275}],"sentiment":"neutral","sentiment_score":0.06204808801412583,"channel":1,"num_words":5,"start":77.605,"end":78.985},{"sentences":[{"text":"It is a random number.","start":78.915,"end":80.295,"sentiment":"neutral","sentiment_score":0.019746882468461992},{"text":"How do you sort of like, if you think about the life cover you have and maybe if we sort of work it out and break it down for you.","start":83.33,"end":89.490005,"sentiment":"neutral","sentiment_score":0.08129201121628285},{"text":"So if you were to say I'm sorry to sort of go into the scenario, but if you were to sort of pass away today, I'm assuming you want everything sort paid to Andre to help cover any bills and debts and support him.","start":89.490005,"end":100.48499,"sentiment":"neutral","sentiment_score":-0.09517199495299296},{"text":"Is that right?","start":100.48499,"end":101.30499,"sentiment":"neutral","sentiment_score":0.005636347457766533}],"sentiment":"neutral","sentiment_score":-0.01991663398448287,"channel":0,"num_words":82,"start":78.915,"end":101.30499},{"sentences":[{"text":"Mhmm.","start":101.270004,"end":101.770004,"sentiment":"neutral","sentiment_score":-0.014942433685064316},{"text":"Mhmm.","start":101.83,"end":102.33,"sentiment":"neutral","sentiment_score":-0.005738845560699701},{"text":"But","start":102.745,"end":102.985,"sentiment":"neutral","sentiment_score":-0.00034984201192855835}],"sentiment":"neutral","sentiment_score":-0.007010373752564192,"channel":1,"num_words":3,"start":101.270004,"end":102.985},{"sentences":[{"text":"Yeah.","start":102.80499,"end":103.125,"sentiment":"neutral","sentiment_score":0.04723643511533737}],"sentiment":"neutral","sentiment_score":0.04723643511533737,"channel":0,"num_words":1,"start":102.80499,"end":103.125},{"sentences":[{"text":"I 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at the moment, the yearly premium that you have paid for the cover is $3,339.94 there.","start":109.685,"end":117.020004,"sentiment":"neutral","sentiment_score":0.004376761067439528},{"text":"So if you think about the level of cover you have, if you were to pass away today, obviously, the $311,007.01 7 is paid out.","start":117.020004,"end":124.935,"sentiment":"neutral","sentiment_score":-0.03430944412946701}],"sentiment":"neutral","sentiment_score":0.0012668766495254305,"channel":0,"num_words":45,"start":107.445,"end":124.935},{"sentences":[{"text":"And then the 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income,","start":199.84,"end":200.88,"sentiment":"neutral","sentiment_score":0.016871025320142508}],"sentiment":"neutral","sentiment_score":0.09451636080988325,"channel":0,"num_words":26,"start":187.05501,"end":200.88},{"sentences":[{"text":"Mhmm.","start":200.5,"end":201.0,"sentiment":"neutral","sentiment_score":0.010982269421219826}],"sentiment":"neutral","sentiment_score":0.010982269421219826,"channel":1,"num_words":1,"start":200.5,"end":201.0},{"sentences":[{"text":"we had you earning around about 46,800.","start":200.88,"end":204.0,"sentiment":"neutral","sentiment_score":0.018076237025005475},{"text":"Is that still fairly accurate for your income?","start":204.0,"end":206.18001,"sentiment":"neutral","sentiment_score":0.03850755700841546}],"sentiment":"neutral","sentiment_score":0.02897294101615747,"channel":0,"num_words":15,"start":200.88,"end":206.18001},{"sentences":[{"text":"Yeah.","start":212.985,"end":213.225,"sentiment":"neutral","sentiment_score":0.03633347153663635},{"text":"So it's I think it's about 50 now.","start":213.225,"end":215.24501,"sentiment":"neutral","sentiment_score":0.0447513977997005}],"sentiment":"neutral","sentiment_score":0.043816072659360036,"channel":1,"num_words":9,"start":212.985,"end":215.24501},{"sentences":[{"text":"About 50 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last, that's alright.","start":258.0,"end":259.365,"sentiment":"neutral","sentiment_score":0.021757510025054216},{"text":"The last conversation was you wanted to look at 250,000.","start":259.365,"end":262.905,"sentiment":"neutral","sentiment_score":-0.0011619399534538387},{"text":"So if","start":263.365,"end":263.685,"sentiment":"neutral","sentiment_score":0.0049800940323621035}],"sentiment":"neutral","sentiment_score":0.005335676789400168,"channel":0,"num_words":16,"start":258.0,"end":263.685},{"sentences":[{"text":"Yeah.","start":263.56,"end":264.06,"sentiment":"neutral","sentiment_score":0.02736978977918625}],"sentiment":"neutral","sentiment_score":0.02736978977918625,"channel":1,"num_words":1,"start":263.56,"end":264.06},{"sentences":[{"text":"we reduced your life cover to 250,000, it essentially reduces the premium to about $2,678.","start":263.685,"end":271.625,"sentiment":"neutral","sentiment_score":0.026202172537644706},{"text":"It's a rough saving of around about $661 and 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The agents suggest reducing premiums and adding coverage later to boost the customer's income and cover. They also discuss health and retirement plans and offer advice for reducing coverage and adding more later. The agents suggest signing a personal advice document and a catch-up in early December."},"intents":{"segments":[{"text":"This is Dana from Okeech Financial. How are you this morning? Well, thank you.","start_word":5,"end_word":18,"intents":[{"intent":"Provide information","confidence_score":0.0072184443},{"intent":"Provide information","confidence_score":0.030060878}]},{"text":"And just to do a quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start_word":90,"end_word":122,"intents":[{"intent":"Confirm information","confidence_score":0.041689213}]},{"text":"Thank you so much for that.","start_word":134,"end_word":139,"intents":[{"intent":"Express gratitude","confidence_score":0.077980906}]},{"text":"Thank you so much for that. Karen, I wanted to sort of do a bit of a quick catch up with you just because you had your annual review back with my colleague Kyle in March there. And recently, you were sort of looking to Yep. have a look at the life cover, look at reducing things and altering cover. So I want to catch up to see where you're at with that, what you're thinking, and Yes.","start_word":134,"end_word":211,"intents":[{"intent":"Discuss life cover","confidence_score":0.01759468}]},{"text":"if there's any new Yes. advice we can maybe help you with moving forward.","start_word":212,"end_word":225,"intents":[{"intent":"Propose future communication","confidence_score":0.000118505355}]},{"text":"advice we can maybe help you with moving forward. Yep. Yeah.","start_word":217,"end_word":227,"intents":[{"intent":"Offer assistance","confidence_score":0.10399804}]},{"text":"So if you were to say I'm sorry to sort of go into the scenario, but if you were to sort of pass away today, I'm assuming you want everything sort paid to Andre to help cover any bills and debts and support him. Is that right?","start_word":305,"end_word":351,"intents":[{"intent":"Cover bills and debts","confidence_score":0.33134887}]},{"text":"Well, at the moment, the yearly premium that you have paid for the cover is $3,339.94 there. So if you think about the level of cover you have, if you were to pass away today, obviously, the $311,007.01 7 is paid out. And then the super Mhmm. balance paid on top of that is also paid out as a as a benefit. Sorry.","start_word":375,"end_word":437,"intents":[{"intent":"Calculate life insurance cost","confidence_score":0.017525885}]},{"text":"And then your income, Mhmm. we had you earning around about 46,800. Is that still fairly accurate for your income? Yeah.","start_word":608,"end_word":628,"intents":[{"intent":"Calculate benefits","confidence_score":0.004725956}]},{"text":"If you wanted to maybe sit down with Andre and look at what's important to you, what you are sort of wanting to look at, how much you feel would be an appropriate level of cover.","start_word":927,"end_word":962,"intents":[{"intent":"Compare insurance coverage levels","confidence_score":0.0002933019}]},{"text":"when we when we sort of originally provided that advice and got you into Hub 24 and moved everything over into that discovery area, since then, that was about 2024 in July. So since then so you've technically had this over two years there. Since coming onboard and going into that hub twenty four, you've made 17.33%.","start_word":1831,"end_word":1887,"intents":[{"intent":"Discuss progress","confidence_score":0.017512534}]},{"text":"It's essentially showing you when we reduce the cover down, what this looks like, how it affects you so far. We look at Yeah.","start_word":2260,"end_word":2283,"intents":[{"intent":"Reduce cover down","confidence_score":0.37973693},{"intent":"Provide information","confidence_score":0.016900042}]},{"text":"Well, I'll I'll get the the letter of direction done for you to reduce your life cover down to 280,000. My team will send it through via OdooSign shortly for you to have that sign and return, and then we can have an action there.","start_word":2483,"end_word":2527,"intents":[{"intent":"Send letter of direction","confidence_score":0.17391697}]},{"text":"My team will send it through via OdooSign shortly for you to have that sign and return, and then we can have an action there.","start_word":2503,"end_word":2527,"intents":[{"intent":"Send document","confidence_score":0.23110211},{"intent":"Send document","confidence_score":0.038326796}]},{"text":"Well, I'll get those ones done up, and I'll email those through to you separately, and we'll get this Yep. Yep. letter of letter of direction done up for you to have the life cover reduced a little bit. Okay? Sounds perfect.","start_word":2633,"end_word":2674,"intents":[{"intent":"Request a response","confidence_score":0.000025730504}]}]},"sentiments":{"segments":[{"text":"Karen speaking. Hello? Hi, Karen. This is Dana from Okeech Financial. How are you this morning?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1713736057281494},{"text":"Well, thank you.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.47884464263916016},{"text":"And you?","start_word":19,"end_word":20,"sentiment":"neutral","sentiment_score":0.31016087532043457},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":21,"end_word":28,"sentiment":"positive","sentiment_score":0.6742387413978577},{"text":"I had you booked in this morning for a bit of a catch up. Yes. Is now still a good time? Yep.","start_word":29,"end_word":50,"sentiment":"neutral","sentiment_score":0.3023771643638611},{"text":"Fantastic.","start_word":51,"end_word":51,"sentiment":"positive","sentiment_score":0.618552029132843},{"text":"Yep. Karen, before we jump into the call, just to let you know, All we do record our calls for quality and training purposes.","start_word":52,"end_word":75,"sentiment":"neutral","sentiment_score":0.11754070967435835},{"text":"good. Are you happy for me to proceed with that?","start_word":76,"end_word":85,"sentiment":"positive","sentiment_score":0.34410494565963745},{"text":"Yes. Yes. Yes.","start_word":86,"end_word":88,"sentiment":"neutral","sentiment_score":0.18793973326683044},{"text":"Beautiful.","start_word":89,"end_word":89,"sentiment":"positive","sentiment_score":0.5623514652252197},{"text":"And just to do a quick security check there for you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Karen Masood, 15th 1162, Unit Yep. 1611, Montreal Drive, Bodrum.","start_word":90,"end_word":132,"sentiment":"neutral","sentiment_score":0.15008100867271423},{"text":"Beautiful. Thank you so much for that.","start_word":133,"end_word":139,"sentiment":"positive","sentiment_score":0.6722657084465027},{"text":"Karen, I wanted to sort of do a bit of a quick catch up with you just because you had your annual review back with my colleague Kyle in March there. And recently, you were sort of looking to Yep. have a look at the life cover, look at reducing things and altering cover. So I want to catch up to see where you're at with that, what you're thinking, and Yes. if there's any new Yes. advice we can maybe help you with moving forward. Yep. Yeah. What what what is it at now? So I've got the quote here in front of me. So at the Yeah. moment, the level of life cover you have gives you a sum insured of 311,717. That's a round number. Yep. It is a random number. How do you sort of like, if you think about the life cover you have and maybe if we sort of work it out and break it down for you. So if you were to say I'm sorry to sort of go into the scenario, but if you were to sort of pass away today, I'm assuming you want everything sort paid to Andre to help cover any bills and debts and support him. Is that right? Mhmm. Mhmm. But Yeah. I also Beautiful. don't want it taking chunks out Oh, of my you're so super, far. though. Absolutely. Yeah. Definitely. Well, at the moment, the yearly premium that you have paid for the cover is $3,339.94 there. So if you think about the level of cover you have, if you were to pass away today, obviously, the $311,007.01 7 is paid out. And then the super Mhmm. balance paid on top of that is also paid out as a as a benefit. Sorry. Yep. With your current super balance, it is sitting here at I'm just looking at super for you real quick. 43,938 there as well. So, realistically, if you add the two together, we've got $371.07 plus, say, $4,393.08. We're looking at about 355,655 of life cover that could be paid out to Andre if you would have passed away Mhmm. in the current circumstances there. Yep. Having a look at what that would probably cover there for you, From what I can see, you're renting. You don't have any debts to pay out at the moment. Is that right? Mhmm. There's No. no sort Yep. of loans I or credit cards that would need to be covered? just I just had to get a personal loan. Okay. Yeah. Personal loan. No. That's okay. That's alright. How much is on the personal loan currently? About 23,000, I think. 23,000? Okay.","start_word":140,"end_word":586,"sentiment":"neutral","sentiment_score":0.009378270581531312},{"text":"Perfect.","start_word":587,"end_word":587,"sentiment":"positive","sentiment_score":0.3642557859420776},{"text":"So if I look at that for you, so 23,000, that leaves about $332,006.55 of the life benefit there. And then your income, Mhmm. we had you earning around about 46,800. Is that still fairly accurate for your income? Yeah. So it's I think it's about 50 now. About 50 now. Yep.","start_word":588,"end_word":639,"sentiment":"neutral","sentiment_score":0.062116155544152625},{"text":"Beautiful. Yeah. So I'll pop that in there for you. Beautiful.","start_word":640,"end_word":650,"sentiment":"positive","sentiment_score":0.5203738808631897},{"text":"So then if we sort of divide that by 50,000 just to sort of replace your income for a certain period of time, it essentially means that if Andre was to be covered with the or was to be paid out the benefit plus your super, it could pay out the current personal loan benefit, and then also replace your income at $50,000 per annum for about six and a half years, essentially, almost seven years if you could live on a little bit less of that. So do you sort of feel like that level of cover's okay? Is it appropriate? Did you wanna look at maybe reducing that Mhmm. a bit Yeah. further, What or is, or how do you Yeah. Yes. yeah. Tell me what it's if if you do, what that That's looks okay. like. The last, that's alright. The last conversation was you wanted to look at 250,000. So if Yeah. we reduced your life cover to 250,000, it essentially reduces the premium to about $2,678. It's a rough saving of around about $661 and $20.27 cents for the year on the premium. So it is $600 that stays in your super. You can, if you decide to look to alter that at the time of the renewal or if you do happen to alter that prior to the policy going through a renewal period, they're they just, sorry, refund you the difference back to your super fund. Alright. Okay. Yeah. Okay. So yeah. It's hard one, isn't it? It is a difficult one. Yeah. I can read you the quotes and send it through to you if you like. If you wanted to maybe sit down with Andre and look at what's important to you, what you are sort of wanting to look at, how much you feel would be an appropriate level of cover.","start_word":651,"end_word":961,"sentiment":"neutral","sentiment_score":0.029687207252074667},{"text":"And I'm happy to do up a couple of quotes if it sort of means you just need some time to think it through.","start_word":962,"end_word":985,"sentiment":"positive","sentiment_score":0.6422121524810791},{"text":"What's can can we do what's $2.80? Let's have a quick look for you. So 280,000, Yeah. that reduces the premium to $3,000 on a yearly basis.","start_word":986,"end_word":1012,"sentiment":"neutral","sentiment_score":0.1618308424949646},{"text":"So saving about $339 for the year and giving you 280,000 plus that 43 if you see the benefit.","start_word":1013,"end_word":1031,"sentiment":"positive","sentiment_score":0.3940340280532837},{"text":"Yeah. Yeah. Which It's isn't too bad so a benefit amount. it's Yeah. no. Yeah. Because that one someone's not too bad because then that way One three eight. because I I just try to, you know, get my super up bit. And, also, I've had a I had a full work, so I'm Yes. on work Oh, cover I'm as so well. sorry. Oh, wow. In I'm so sorry to hear that. June 9, I think I went to work and didn't really go home after that. I'd Wow. broken my wrist and my patella. Oh, goodness me. So so I'm still doing well, I'm in sort of rehab now, I think they call it. So I'm actually on work cover at the moment, which Yes. is they give you a little bit less of your wage Yes. than normal. Yes. Yeah. Yep. And Okay. yeah. So I'm not sure when I'm going to go back to work. Okay. Yes. No. That's completely understandable. Did you I mean, having a look the way because I looked at your super as well this morning and to sort of give you a bit of a run through. For the year, it hasn't done too bad. And, look, there are definitely things that we can do, and I had a bit of a look.","start_word":1032,"end_word":1253,"sentiment":"neutral","sentiment_score":0.01590621843934059},{"text":"You sort of are hoping to be able to stop working fully or retire around about age 67.","start_word":1254,"end_word":1271,"sentiment":"negative","sentiment_score":-0.359649121761322},{"text":"Is that still when you're thinking you're wanting to hopefully, I might have stop, to I may actually go sooner if not now. earlier? Yeah. Yeah. Hopefully, we can get you back there. Yeah. But So yeah. What's well, I would your like sort to. of thought? Yes. Yeah. Yes. Yeah. So, realistically, within that sort of about three year time horizon, we would be wanting to kind of boost your super a bit more because your balance is definitely Mhmm. lower than where I'd sorta like it to be. Albeit, it has been growing quite nicely. So when we look at the returns that it has been able to achieve in the last since cloud did your annual review in March, Yep. you've made 4.59% net of stays.","start_word":1272,"end_word":1400,"sentiment":"neutral","sentiment_score":0.045162662863731384},{"text":"That's alright. So, yeah, it is definitely working.","start_word":1401,"end_word":1408,"sentiment":"positive","sentiment_score":0.42797383666038513},{"text":"It is growing, albeit with a slow with a lower balance, it does mean the earnings are also lower. So a four Yes. percent Yes. return Makes is sense. about 18 Yeah. $100 in earnings. But is there any kind of guide on when you might be able to get back to work or when they're hoping to get you back Not into well, work? I'm Because you're seeing a hairdresser. my yes. So it's but that's and I'm well, as I said, I'm on Walker and what do you call Difficult. those crutches? Elbow crutches and whatever. So Yeah.","start_word":1409,"end_word":1508,"sentiment":"neutral","sentiment_score":-0.122425876557827},{"text":"I'm definitely not working at all and Yes.","start_word":1509,"end_word":1516,"sentiment":"negative","sentiment_score":-0.44704723358154297},{"text":"to go back and be able to stand up like you stand all day. Yeah. That's what I was thinking. You you very manually, you're sort of up on Yes. your feet all day long, aren't you? And Yes. leaning over people, so you sorta have to be able to hold yourself up. Yeah. Yeah. Yes. And because I've done my wrist as well, it's not just one thing. I've got two things. So it's a bit of a so I don't know if I'll be able to go back to what I used to do or not Yeah. yet. So Okay. it's just he's the the specialist got me out. I hope there's no work until October, but I think he just keeps writing a report and putting a date in. Yes. So I go back to see him in set the the September 16, and then he does another review. And and I do CTO twice a week and just to process, I suppose, to see where we end Yeah. up. So Yeah. Absolutely. at the moment It's at a the bit moment, up I in don't the air. know. Yeah. Yeah. I Yeah. don't really know. So that's No. all taken into consideration what happens there too. Yeah. Absolutely. So it's not ideal. At least, you know, I did do it at work, so I am getting paid. So it's one blessing, Yeah. I suppose. I'd rather Yeah. be working, but I if that's a choice, No. I'd rather Understandable. not do this. Absolutely. Yeah. Not be in so much pain. Yeah. Oh, god. It's Yeah. awful. I'm so sorry. So yeah. Yeah. So it was a case of that's when you said about a review. And I thought, oh, it's probably not a bad idea too because to see how that's all tracking Yeah. Definitely. where we're up Well, to. when we when we sort of originally provided that advice and got you into Hub 24 and moved everything over into that discovery area, since then, that was about 2024 in July. So since then so you've technically had this over two years there. Since coming onboard and going into that hub twenty four, you've made 17.33%. So when we kind of break that up over the two years, it's averaged about 8.66% per year so far. So it is definitely working and growing and building, but your insurance premiums do have an effect on your super because they do get more expensive every year as it goes through renewal, Yes. especially as Yes. you are older. So, you know, being open Yes. and honest about that one. If you wanted to, I could email through the quotes again. I could Well do this $2.80 to $2.50, maybe a 150 for you to sort of weigh up what you're comfortable with. I'm I'm gonna drop it to $2.80 anyway Yep. and Okay. send me Beautiful. the other quotes, and then I can look at that anyway. Yep. Did did you want us to go ahead and look to reduce Yep. the life cover to 280? Yep. Yes, A please. thousand? Yep. Yep.","start_word":1517,"end_word":2042,"sentiment":"neutral","sentiment_score":-0.02868440864473128},{"text":"Beautiful.","start_word":2043,"end_word":2043,"sentiment":"positive","sentiment_score":0.4216946959495544},{"text":"Yep. Well, Because did you want that's us an to do extra it Yep. because that just gives me that little bit extra. Extra. Yep. That's absolutely Because long fine. We've got a over the years, Yes, that sir. adds up. Yeah. Absolutely. And then doing it down gradually also does help. I mean, as it sort of mentally Yeah. goes back through a new every year, so the policy will continue to grow back again. Yes. It does increase along with CPI HE, so it will sort of add some Yes. money back into there or add the value back into it. Yes. Yep. With with dropping it down, we've got a couple of options. So you can request to do it as a transaction without seeking advice where we just do up the documents, get you to sign everything, and we action on your behalf. Is that your request? It is faster to do it that way. Otherwise, Yeah. I Sure. can do it as personal advice. What would you like me to do? What do you suggest? It's honestly up to you. It does take a couple of weeks to do up the personal advice document. I would be probably able to do it in about two to three weeks to do that. It's essentially showing you when we reduce the cover down, what this looks like, how it affects you so far. We look at Yeah. the long Yeah. Yeah. term No. effect No. We don't and have to the do advantages. yeah. Because we've No? we've talked about it anyway. We've Yeah. talked That's about it for absolutely for a little while anyway. yeah. That's absolutely Yeah. fine.","start_word":2044,"end_word":2326,"sentiment":"neutral","sentiment_score":0.10466918522366996},{"text":"So you're happy just Yeah.","start_word":2327,"end_word":2331,"sentiment":"positive","sentiment_score":0.4403088688850403},{"text":"to have it as a Yes. transaction Yes. without seeking Yes, advice? please. Just Yes. no worries at all. It's Yes.","start_word":2332,"end_word":2352,"sentiment":"neutral","sentiment_score":0.17158228158950806},{"text":"Yeah. a nice easy document.","start_word":2353,"end_word":2357,"sentiment":"positive","sentiment_score":0.6092489957809448},{"text":"We'll have it done up and sent through to you to sign today via OdooSign and then just Yep. with the the letterhead to reduce the cover down. Once Yep. you sign that, we'll have it actioned. On there, we do also note down the risks nice and easily that you are reducing the level of, sorry, the level of cover. So, obviously, it does mean that less money is paid out for your insurances. Yeah. However, Yep. if you Yep. do decide to increase that back later, we go through I do have to go through medicals and health and and reapply for the level of cover. So as long as you're comfortable with that, that's okay. Yeah. I'm comfortable. Yeah.","start_word":2358,"end_word":2479,"sentiment":"neutral","sentiment_score":0.0896231010556221},{"text":"Beautiful. All good.","start_word":2480,"end_word":2482,"sentiment":"positive","sentiment_score":0.503490686416626},{"text":"Well, I'll I'll get the the letter of direction done for you to reduce your life cover down to 280,000. My team will send it through via OdooSign shortly for you to have that sign and return, and then we can have an action there. Did you want me to do up any additional quotes to email through to you to kind of mull over as well? Or Yeah. Why not? Because I can just yeah. look at them What anyway. yeah. That's okay. So maybe $2.50 as well as Yeah. an additional Yep. option. And anything Yep. else that might come to mind you're interested in looking at, it doesn't take me much to do a quote for you.","start_word":2483,"end_word":2602,"sentiment":"neutral","sentiment_score":0.11806224671502907},{"text":"So I'm happy to do with anything else that Yeah.","start_word":2603,"end_word":2612,"sentiment":"positive","sentiment_score":0.5625569224357605},{"text":"you Yeah. might Yeah. be thinking Do about. another one. Do two. Do 2. 200,000? Yep. Yeah. Yep.","start_word":2613,"end_word":2630,"sentiment":"neutral","sentiment_score":0.055085472762584686},{"text":"Beautiful. Excellent.","start_word":2631,"end_word":2632,"sentiment":"positive","sentiment_score":0.6417524814605713},{"text":"Well, I'll get those ones done up, and I'll email those through to you separately, and we'll get this Yep. Yep. letter of letter of direction done up for you to have the life cover reduced a little bit. Okay?","start_word":2633,"end_word":2672,"sentiment":"neutral","sentiment_score":0.1998063623905182},{"text":"Sounds perfect. Excellent. Beautiful.","start_word":2673,"end_word":2676,"sentiment":"positive","sentiment_score":0.6137282848358154},{"text":"Well, what I would probably like to do, if it's okay, is maybe do Yes. a bit of another catch up with you probably around early December just before the Christmas break just to see where things are up to. Did you maybe prefer a catch up a little bit earlier than that, or is December Yep. okay? What would you No. That's prefer? fine. That's fine. I might know That's a bit more okay? by then anyway. Yeah. Yeah. Absolutely. December works. Well, I'll perfect. My team will give you a call then to book in another catch up just to see how things are going, and then your Yep. review a full review is due again in March if we don't need to update the advice in that time frame. Okay. Okay? Yep.","start_word":2677,"end_word":2811,"sentiment":"neutral","sentiment_score":0.08199994266033173},{"text":"Beautiful. Perfect.","start_word":2812,"end_word":2813,"sentiment":"positive","sentiment_score":0.547459065914154},{"text":"Is is there any other questions or anything else No. you might have for me at the moment, Karen? No? That's all good. Okay.","start_word":2814,"end_word":2837,"sentiment":"neutral","sentiment_score":0.06404805183410645},{"text":"All all Well, thank happy.","start_word":2838,"end_word":2842,"sentiment":"positive","sentiment_score":0.33807212114334106},{"text":"you. Yeah.","start_word":2843,"end_word":2844,"sentiment":"neutral","sentiment_score":0.24553553760051727},{"text":"Well, thank you so much for the your time today. I hope you feel better soon.","start_word":2845,"end_word":2860,"sentiment":"positive","sentiment_score":0.4428994655609131},{"text":"Hopefully, you can get back to work Same in here. the near future. Yeah. I'm so Yes. sorry you're going through that. Oh, it's just one minute you're standing up next to me. You're not. It's like it's happened Yeah. so far.","start_word":2861,"end_word":2902,"sentiment":"neutral","sentiment_score":-0.07033383229836113},{"text":"Don't recommend it.","start_word":2903,"end_word":2905,"sentiment":"negative","sentiment_score":-0.474378764629364},{"text":"No. Understandable. Understandable.","start_word":2906,"end_word":2908,"sentiment":"neutral","sentiment_score":-0.05850730091333389},{"text":"Well, thank you so much. I'll get Thank all that you. sorted for you.","start_word":2909,"end_word":2922,"sentiment":"positive","sentiment_score":0.5361802577972412},{"text":"If anything else comes up, please don't ever hesitate to give me a buzz.","start_word":2923,"end_word":2936,"sentiment":"neutral","sentiment_score":0.13761109113693237},{"text":"Easy done. Okay. Thank you. Thank you, Bye. Karen. Enjoy your day. See you later. You too.","start_word":2937,"end_word":2953,"sentiment":"positive","sentiment_score":0.5416260957717896},{"text":"Bye.","start_word":2954,"end_word":2954,"sentiment":"neutral","sentiment_score":0.2089844197034836}],"average":{"sentiment":"neutral","sentiment_score":0.06044353601586728}}}}