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I hate when a it's always good when a busy day kind of happens. It makes things go faster, but at the same time, it's always a little bit frustrating as well to never get a a moment of peace. Definitely is. Now yesterday, I did send you documents just ahead of, like, our call. Did you get a chance at all to read those ones or have a look at them over the afternoon? No. That's okay. It sounds like you're driving anyway, so just safe driving. I'm not too worried. I can just talk you through them and and obviously go through everything. Now I guess before we do jump into it, I do need to let you know, as always, that our calls are recorded. And if I could just get you to confirm security for me, it's full name, date of birth, and address. Perfect. Alright. So the advice, you you originally spoke with Tommy. Tommy's been sick for the last couple of days. So I'm the head of advice, and I've I wanted to make sure we obviously kept this appointment and kept kept things moving. So I wanted to go through his advice document with you just to explain what what the the advice basically details. So the advice considers, like, your superannuation in the goal that you're aiming to retire at 65 and that you're wanting to get an income of, like, $1,500 a week. Now it's still a few years away before we're hitting that age, but we still wanna make sure that we're on track for that. Now addition to that, it does bring your insurance into scope. So looking at your insurance policies for personal insurance and making sure that that is adequately in place to cover yourself in the event that something were to happen to you, being able to work. And then additional to that, Tommy has provided some advice and guidance on, like, estate planning. Because your superannuation and your insurances do cover estate, they are ultimately potentially a state asset. It's always good to just have that direction on on a state planning as well. Now with that, the advice comes down to sort of, I guess, three main areas or three main strategies. One strategy is is your superannuation. So it's very focused on your investments within your hub twenty four fund. Just giving them a bit of a a refresh. I'm keeping you in line with the current risk allocation. So, currently, your super sitting in, like, an eighty twenty split. So about 80% invest in the market, 20% being in a conservative position. And what Tommy recommend is that we just refer that you currently hold. So get rid of all the holds that you currently have in your portfolio and put that up, like yeah. Really? Oh, really? I'm sorry about that. Let me repeat myself. So the advice for the superannuation is very investment based. So it it is in relation to the actual underlying holdings within the portfolio. So the recommendation details basically getting out of four of the current holdings. One of them being, like, a an Australian equities fund, one of them being a tech based asset, another being a banking hybrid, and the last one being, like, Australian property. Completely removing those from your assets and no longer holding them and then purchasing into five other holdings to just diversify your holdings a little bit more. And, additionally, we'll also have to bring down the overall cost of the actual operation of your fund because the investment fee on some of those assets that you currently hold is a little bit elevated. It's a little bit high. So pulling in some lower cost, they're called ETFs, exchange trade funds. So there's just a lower cost, more diversified holding that's gonna give you a a not only a cheaper investment, but also, actually, a better historical growth return as well. So Tommy's recommended that we just make a bit of a change. You'll be able to just have a look at the change when you obviously look at the document. You can see it on page 16 of the statement of advice, where your funds are currently held and where they're gonna move over to. So it gives you a good outline as to what we're aiming to hold overall. Cool. So that's that's the advice for the superannuation fund is, obviously, like, we're gonna keep the hub twenty four operational, but just to do a bit of a change to the actual underlying assets and do a bit of a refresh to the account. It's gonna put you on a a much better track for for retirement even though retirement's still eighteen years away. It it just has a better outlook because of the lower cost, better historical return rate. It it just gives you a better position overall to to achieve that $1,500 a week income come your retirement. Perfect. Now secondarily to that, one of the things that Tom recommended was that we actually start salary sacrificing. When you spoke with him, you guys discussed basically an allowance of about a $100 a week that you were willing to forego and utilize towards, like, either investing or, you know, insurance and stuff like that. Now Tommy recommended that we actually salary sacrifice $75 per week. So that'll be $75 out of your gross income that will go towards your superannuation fund. So you're not gonna feel $75 a week come out of your net income because that $75 is before you get taxed. Cool. So what what Tommy's recommended is that we we implement that $75 per week. And then with the remainder of the that $100, we actually look at targeting that towards an insurance product. So, currently, with respect to insurance I just wanna pull up let me just go. So currently, with respect to insurance sorry. I lost my you don't have any cover in place. But what what Tommy wants to do and what we wanna ultimately put in place for you to achieve that goal, making sure that the family is gonna be looked after, making sure that you're looked after, really, is get an insurance policy in place. Now I know that for yourself, the biggest, I guess, the thing that you wanted most was the disability cover. That you weren't really chasing, like, life insurance or anything like that. It was really coming down to, like, the total and permanent disability, the income protection cover, stuff like that to keep you protected. Now I look at, like, children permanent disability insurance. Ultimately, when we look over the TPD insurance, it came out more expensive to hold just total and permanent disability without connecting it to a life insurance policy. So Tommy actually recommended to link the TPD to a life policy because it became cheaper overall. So he's recommended a million dollars worth of, like, total permanent disability with a life insurance basically attached to it to help bring down that that that cost. Now additional to that, to replace your income, so TPD is there if you are never able to work again. It's a lump sum benefit that helps you to, you know, pay off the debts to to live securely in the event that you were never working. Whereas your income protection is basically a short term monthly benefit that's payable in the event you're ill ill or injured. So it's kind of that middle ground between when you fall off work and unable to work and while, like, a TPD claim is being assessed. Because TPD claims can take months to, you know, twelve months to twenty four months. So, like, two years is generally how long I see TPD claims unless it's a massive mess of those. So that income protection policy, Tommy's recommended five years. So it's gonna enable you to get five years worth of monthly benefit paid to you, you know, until you're either able to return to work or claim TBD. So that that's the recommendation for for that policy. Now that's gonna be paid by your super funds. So that's where that $75 worth of salary sacrifice comes in into play to offset the premiums that'll be paid from your super fund. The premiums for that are $2,821 a year, and that'll come out of your fund. Now secondarily to that, Tommy's recommended a trauma policy. Now the trauma policy covers the diagnosis of your medical majors. So with trauma, like, basically, heart attack, cancer, stroke, neurological conditions like your muscular dystrophy, Huntington's, Parkinson's, diabetes, upon the diagnosis of, the benefit is releasable to you or payable to you. Trauma policies generally pay out within a couple of weeks, providing you obviously submit documentation, and once there's no delay there, they pay out really quickly versus the life TPD IP can take a month or two to generally make assessments on those on those policies. Trauma is very, very quick to pay out. The recommendation is for a $100,000 that we'd payable to you. And and, again, he's attached to a a life a life policy to it, and that life policy just makes the premium cheaper. It sounds really counterintuitive, but it's the way that insurers work that when you have a life policy attached to it, it just makes a premium overall cheaper than if you were to have two standalone benefits of the same value. What it also means is that because you're paying for that trauma policy out of pocket, so that trauma policy would be paid out of pocket with that sort of remainder of that $100, that that policy will enable you in the event that you were to pass away. There's a on the life policy, there is a funeral advancement. So if anything were to happen to you, that that life policy can actually pay a funeral advancement out to enable funeral costs to be covered, which is good on that front. Obviously, not a policy we ever wanna claim on, but it's there in the event that something were to happen. Now at the moment, while you are quitting, because I know that you are aiming to quit smoking, until you are 12 consecutive nonsmoking, there are smokers rates applied. Once you're twelve months nonsmoking, we will be able to apply to the insurer. It's a really short application to get nonsmoking rate. So we we can revert to a cheaper rate, which will be great. It'll run the premium down on both the policies. Now can I I I wanna confirm with you while we're obviously having this conversation, because what I'll do is I'll put it in our our calendar to make sure that we contact you at the twelve month mark? When would your twelve months be? Yep. And I need to confirm, is that off all cigarettes, vapes, nicotine gum, patches, replacement products? So it has to be off it has to be off all replacement products, nicotine gum as well. Today's the best any day. No. That's okay. Well, what what I'll do is I'll I'll pop it in the calendar to basically twelve months time. We'll touch base with you at the beginning of next year, and we can get that removed and get that reduced, which will be fantastic. So with with the insurance policy, it's obviously there to make sure that we're covering out the nearly half 1,000,000 debt. It covers any home renovations that need to happen under the TPD cover. You know? Because if you're totally impairment disabled, you know, need to make sure that you have the capacity to either have a vehicle or home modifications that allow you to live comfortably. It replaces your cost of living each year over the next eighteen years until you hit that retirement age you were looking for, and that's how we got to that million dollars worth of need for that for that cover. With with that, what what we would wanna look at doing is getting, like, the so Zurich to ensure that works best for your occupation, your dem it's like your demographic as a whole. So when when we look at insurance, we look at tailoring insurance, we look at multiple insurers, and and we wanna make sure that we're obviously tailoring the product to best suit you from a premium speech perspective. Zurich does that. Not only not only did with your income protection policy, it's thirty day waiting period, but most insurers actually pay income protection at the end of the first month. So with your your policy, that would generally see that you wouldn't get your first monthly payment until day 60 of you being off work. Zurich actually do a day fifteen payment. So it means that you would only be basically four to five days off work before you receive your first month's payment. Paid. It's definitely based on the service, like, the service period that you have to be off work before the policy kicks in. They also have a really great partial benefit. So if you're, you know, partially incapacitated from your job and you, you know, you serve seven out of twelve days off work, you can actually go through a partial claim benefit as well. So there's a lot of good features with the products that enable you to have claims where other products may not enable you to have claims. And, you know, it's obviously really important to make sure that you have, you know, continuation of income being that, you know, your income is the sole income to keep you sustained. There's no other, you know, income resources coming in, so we wanna make sure that that's all all covered on that side. Does that all make sense, and and are you following so far? Yeah. Cool. So with with the the insurance, what we would need to do is go through an insurance application. So what I would schedule in with you is for one of my team to reach out to you and go through the application where you would disclose your medical and health history, family history. That would get issued to Zurich. Zurich would basically then assess you as an individual person to ensure that overall, you know, they have to take on the risk of your policy. That means the company has a lot easier for a process. We could already disclose any previous health concerns. And, you know, not trying to dig through your process get through that, but my team will, you know, walk you through that to make it as possible. You can, you know, join your way to work. Yeah. Perfect. So that's basically, like, the crux of the, like, main advice is, like, superannuation, you know, change the investment, salary sacrifice arrangement, and then we'll send you a letter to your employer to sign the payments. I know you're the account manager, so that just speak to making that alteration. Yeah. So and then and then we do insurance that patient. Aside from that, the one thing we wanna wanna look at being done is just some state planning. Currently, with your, like, with your superannuation with the insurance policy as well, there's no one that that, you know, you've identified or that we can identify that would suitably and, like, be a beneficiary that's valid. And the reason for that is that superannuation legislation has very, very finite allowances for who can be, like, nominated. So it has to be, like, a spouse, a child, or a financial dependent. So very, very limited definitions allowable. A will, like, a last will and testament, will enable you to nominate whomever you actually want. So whether that's the neighbor that you've had for twenty years or your best mate, you can nominate them and have autonomy over who and where you want your money to go irrespective of any other, you know, requirements. So for that, what we would do is your superannuation and your insurance policy would actually become part of your estate, which means that upon your death, both of those, you know, benefits or any money that's left within those those funds would be paid through to your estate, so your will, and your will would be the deciding document as to where that money is going to be sent to. So whether you wanted to donate to Carrie for argument's sake, then you could nominate that within your will. So it's definitely important to make sure that we do make that nomination just purely and simply because it is a bit of money that we're dealing with and that if anything does happen, you know, you have the decision to make You have the right to make the decision on where that money goes and who receives it. Ultimately, you can make the decision to not have a will. It just means that if there's anyone that you don't like, they may be able to get their hands on the money depending on your complexity and a current point of view. Obviously, from an expense, there are alternatives that are available. There are online services such as WILED and other services like that. There are also services that you can access such as the public trustee. The public trustee actually has services that are available. You should book in with them and get, like, a will and power of attorney drawn up with them for free. Generally, they have, like, three to six month wait time to get that done, but that's something that is available as well that you you may be able to access. So there's plenty of Yeah. Yeah. I was gonna say and there's, like, will kits and stuff like that. So, yeah, definitely, something like that. Just follow the kit's instructions, making sure to complete it, have it witnessed properly. Every page needs to be witnessed by the same people. It means that, basically, there's three of you that stand in the circle and you complete you know, you would sign and they would sign the pages as you go through. So, yeah, that's absolutely. That's what we can do. I just had to send it to your data who will be nominated and then keep the keep the renewal in your location. But, absolutely, you can execute one independently. So, yeah, that's that's basically the advice as a whole. If you are happy with the advice and you wanna proceed, you've already got the documents that I issued to you yesterday. So you're able to go through and have a look at them. It's just it's a few financial statement of advice. It may have found its way to your junk folder because you've never received an email from this system before. We've moved over to a new, like, CRM system, and it just capacity to be able to send you signed documents and have them load straight back to your file at the same time. So it may have found its way to your junk folder, but oh, perfect. Yeah. Yeah. Oh, cool. It comes through with my name. That's cool. So so yeah. So take your time. Have a look over the documents. And then if you have any questions, you can definitely give us a call. But, otherwise, it's pretty straightforward. And as soon as you sign them, we will get everything start like, started implementing. I guess the only question I really have for you is, I guess, best time available that I can get my team to reach out and go through that insurance Yeah. Absolutely. Yeah. Alright. Like, a Tuesday morning before, like, the day really starts kicking in? Yeah. Because, like, theoretically, I can do as early as, like, 09:00 your time. Yeah. Okay. Well, what I'll do is I'll tentatively put it I'll get in for, say, next Tuesday at 9AM all time. And then if we haven't received the signed documents back, we'll just touch base with you at that time, and we can always reschedule just in case you haven't had a chance to read and sign them over the weekend. No. Perfect. I'll book that in, and it'll be that gives you a call. He's my insurance go to, so he'll give you a call on Tuesday. Perfect. Were there any questions at all, Wade? Absolutely. My pleasure. I'll speak to you next Tuesday. Have a great rest of your day, and have a great weekend. Bye. 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morning, mate. How are you calling? Yeah. Really good. Thank you.\n\nHow's the rest of your day? Finish up yesterday. That's a bit frustrating. Sorry about that. How's that?\n\nThere we go. I hate when a it's always good when a busy day kind of happens. It makes things go faster, but at the same time, it's always a little bit frustrating as well to never get a a moment of peace. Definitely is. Now yesterday, I did send you documents just ahead of, like, our call.\n\nDid you get a chance at all to read those ones or have a look at them over the afternoon? No. That's okay. It sounds like you're driving anyway, so just safe driving. I'm not too worried.\n\nI can just talk you through them and and obviously go through everything. Now I guess before we do jump into it, I do need to let you know, as always, that our calls are recorded. And if I could just get you to confirm security for me, it's full name, date of birth, and address. Perfect. Alright.\n\nSo the advice, you you originally spoke with Tommy. Tommy's been sick for the last couple of days. So I'm the head of advice, and I've I wanted to make sure we obviously kept this appointment and kept kept things moving. So I wanted to go through his advice document with you just to explain what what the the advice basically details. So the advice considers, like, your superannuation in the goal that you're aiming to retire at 65 and that you're wanting to get an income of, like, $1,500 a week.\n\nNow it's still a few years away before we're hitting that age, but we still wanna make sure that we're on track for that. Now addition to that, it does bring your insurance into scope. So looking at your insurance policies for personal insurance and making sure that that is adequately in place to cover yourself in the event that something were to happen to you, being able to work. And then additional to that, Tommy has provided some advice and guidance on, like, estate planning. Because your superannuation and your insurances do cover estate, they are ultimately potentially a state asset.\n\nIt's always good to just have that direction on on a state planning as well. Now with that, the advice comes down to sort of, I guess, three main areas or three main strategies. One strategy is is your superannuation. So it's very focused on your investments within your hub twenty four fund. Just giving them a bit of a a refresh.\n\nI'm keeping you in line with the current risk allocation. So, currently, your super sitting in, like, an eighty twenty split. So about 80% invest in the market, 20% being in a conservative position. And what Tommy recommend is that we just refer that you currently hold. So get rid of all the holds that you currently have in your portfolio and put that up, like yeah.\n\nReally? Oh, really? I'm sorry about that. Let me repeat myself. So the advice for the superannuation is very investment based.\n\nSo it it is in relation to the actual underlying holdings within the portfolio. So the recommendation details basically getting out of four of the current holdings. One of them being, like, a an Australian equities fund, one of them being a tech based asset, another being a banking hybrid, and the last one being, like, Australian property. Completely removing those from your assets and no longer holding them and then purchasing into five other holdings to just diversify your holdings a little bit more. And, additionally, we'll also have to bring down the overall cost of the actual operation of your fund because the investment fee on some of those assets that you currently hold is a little bit elevated.\n\nIt's a little bit high. So pulling in some lower cost, they're called ETFs, exchange trade funds. So there's just a lower cost, more diversified holding that's gonna give you a a not only a cheaper investment, but also, actually, a better historical growth return as well. So Tommy's recommended that we just make a bit of a change. You'll be able to just have a look at the change when you obviously look at the document.\n\nYou can see it on page 16 of the statement of advice, where your funds are currently held and where they're gonna move over to. So it gives you a good outline as to what we're aiming to hold overall. Cool. So that's that's the advice for the superannuation fund is, obviously, like, we're gonna keep the hub twenty four operational, but just to do a bit of a change to the actual underlying assets and do a bit of a refresh to the account. It's gonna put you on a a much better track for for retirement even though retirement's still eighteen years away.\n\nIt it just has a better outlook because of the lower cost, better historical return rate. It it just gives you a better position overall to to achieve that $1,500 a week income come your retirement. Perfect. Now secondarily to that, one of the things that Tom recommended was that we actually start salary sacrificing. When you spoke with him, you guys discussed basically an allowance of about a $100 a week that you were willing to forego and utilize towards, like, either investing or, you know, insurance and stuff like that.\n\nNow Tommy recommended that we actually salary sacrifice $75 per week. So that'll be $75 out of your gross income that will go towards your superannuation fund. So you're not gonna feel $75 a week come out of your net income because that $75 is before you get taxed. Cool. So what what Tommy's recommended is that we we implement that $75 per week.\n\nAnd then with the remainder of the that $100, we actually look at targeting that towards an insurance product. So, currently, with respect to insurance I just wanna pull up let me just go. So currently, with respect to insurance sorry. I lost my you don't have any cover in place. But what what Tommy wants to do and what we wanna ultimately put in place for you to achieve that goal, making sure that the family is gonna be looked after, making sure that you're looked after, really, is get an insurance policy in place.\n\nNow I know that for yourself, the biggest, I guess, the thing that you wanted most was the disability cover. That you weren't really chasing, like, life insurance or anything like that. It was really coming down to, like, the total and permanent disability, the income protection cover, stuff like that to keep you protected. Now I look at, like, children permanent disability insurance. Ultimately, when we look over the TPD insurance, it came out more expensive to hold just total and permanent disability without connecting it to a life insurance policy.\n\nSo Tommy actually recommended to link the TPD to a life policy because it became cheaper overall. So he's recommended a million dollars worth of, like, total permanent disability with a life insurance basically attached to it to help bring down that that that cost. Now additional to that, to replace your income, so TPD is there if you are never able to work again. It's a lump sum benefit that helps you to, you know, pay off the debts to to live securely in the event that you were never working. Whereas your income protection is basically a short term monthly benefit that's payable in the event you're ill ill or injured.\n\nSo it's kind of that middle ground between when you fall off work and unable to work and while, like, a TPD claim is being assessed. Because TPD claims can take months to, you know, twelve months to twenty four months. So, like, two years is generally how long I see TPD claims unless it's a massive mess of those. So that income protection policy, Tommy's recommended five years. So it's gonna enable you to get five years worth of monthly benefit paid to you, you know, until you're either able to return to work or claim TBD.\n\nSo that that's the recommendation for for that policy. Now that's gonna be paid by your super funds. So that's where that $75 worth of salary sacrifice comes in into play to offset the premiums that'll be paid from your super fund. The premiums for that are $2,821 a year, and that'll come out of your fund. Now secondarily to that, Tommy's recommended a trauma policy.\n\nNow the trauma policy covers the diagnosis of your medical majors. So with trauma, like, basically, heart attack, cancer, stroke, neurological conditions like your muscular dystrophy, Huntington's, Parkinson's, diabetes, upon the diagnosis of, the benefit is releasable to you or payable to you. Trauma policies generally pay out within a couple of weeks, providing you obviously submit documentation, and once there's no delay there, they pay out really quickly versus the life TPD IP can take a month or two to generally make assessments on those on those policies. Trauma is very, very quick to pay out. The recommendation is for a $100,000 that we'd payable to you.\n\nAnd and, again, he's attached to a a life a life policy to it, and that life policy just makes the premium cheaper. It sounds really counterintuitive, but it's the way that insurers work that when you have a life policy attached to it, it just makes a premium overall cheaper than if you were to have two standalone benefits of the same value. What it also means is that because you're paying for that trauma policy out of pocket, so that trauma policy would be paid out of pocket with that sort of remainder of that $100, that that policy will enable you in the event that you were to pass away. There's a on the life policy, there is a funeral advancement. So if anything were to happen to you, that that life policy can actually pay a funeral advancement out to enable funeral costs to be covered, which is good on that front.\n\nObviously, not a policy we ever wanna claim on, but it's there in the event that something were to happen. Now at the moment, while you are quitting, because I know that you are aiming to quit smoking, until you are 12 consecutive nonsmoking, there are smokers rates applied. Once you're twelve months nonsmoking, we will be able to apply to the insurer. It's a really short application to get nonsmoking rate. So we we can revert to a cheaper rate, which will be great.\n\nIt'll run the premium down on both the policies. Now can I I I wanna confirm with you while we're obviously having this conversation, because what I'll do is I'll put it in our our calendar to make sure that we contact you at the twelve month mark? When would your twelve months be? Yep. And I need to confirm, is that off all cigarettes, vapes, nicotine gum, patches, replacement products?\n\nSo it has to be off it has to be off all replacement products, nicotine gum as well. Today's the best any day. No. That's okay. Well, what what I'll do is I'll I'll pop it in the calendar to basically twelve months time.\n\nWe'll touch base with you at the beginning of next year, and we can get that removed and get that reduced, which will be fantastic. So with with the insurance policy, it's obviously there to make sure that we're covering out the nearly half 1,000,000 debt. It covers any home renovations that need to happen under the TPD cover. You know? Because if you're totally impairment disabled, you know, need to make sure that you have the capacity to either have a vehicle or home modifications that allow you to live comfortably.\n\nIt replaces your cost of living each year over the next eighteen years until you hit that retirement age you were looking for, and that's how we got to that million dollars worth of need for that for that cover. With with that, what what we would wanna look at doing is getting, like, the so Zurich to ensure that works best for your occupation, your dem it's like your demographic as a whole. So when when we look at insurance, we look at tailoring insurance, we look at multiple insurers, and and we wanna make sure that we're obviously tailoring the product to best suit you from a premium speech perspective. Zurich does that. Not only not only did with your income protection policy, it's thirty day waiting period, but most insurers actually pay income protection at the end of the first month.\n\nSo with your your policy, that would generally see that you wouldn't get your first monthly payment until day 60 of you being off work. Zurich actually do a day fifteen payment. So it means that you would only be basically four to five days off work before you receive your first month's payment. Paid. It's definitely based on the service, like, the service period that you have to be off work before the policy kicks in.\n\nThey also have a really great partial benefit. So if you're, you know, partially incapacitated from your job and you, you know, you serve seven out of twelve days off work, you can actually go through a partial claim benefit as well. So there's a lot of good features with the products that enable you to have claims where other products may not enable you to have claims. And, you know, it's obviously really important to make sure that you have, you know, continuation of income being that, you know, your income is the sole income to keep you sustained. There's no other, you know, income resources coming in, so we wanna make sure that that's all all covered on that side.\n\nDoes that all make sense, and and are you following so far? Yeah. Cool. So with with the the insurance, what we would need to do is go through an insurance application. So what I would schedule in with you is for one of my team to reach out to you and go through the application where you would disclose your medical and health history, family history.\n\nThat would get issued to Zurich. Zurich would basically then assess you as an individual person to ensure that overall, you know, they have to take on the risk of your policy. That means the company has a lot easier for a process. We could already disclose any previous health concerns. And, you know, not trying to dig through your process get through that, but my team will, you know, walk you through that to make it as possible.\n\nYou can, you know, join your way to work. Yeah. Perfect. So that's basically, like, the crux of the, like, main advice is, like, superannuation, you know, change the investment, salary sacrifice arrangement, and then we'll send you a letter to your employer to sign the payments. I know you're the account manager, so that just speak to making that alteration.\n\nYeah. So and then and then we do insurance that patient. Aside from that, the one thing we wanna wanna look at being done is just some state planning. Currently, with your, like, with your superannuation with the insurance policy as well, there's no one that that, you know, you've identified or that we can identify that would suitably and, like, be a beneficiary that's valid. And the reason for that is that superannuation legislation has very, very finite allowances for who can be, like, nominated.\n\nSo it has to be, like, a spouse, a child, or a financial dependent. So very, very limited definitions allowable. A will, like, a last will and testament, will enable you to nominate whomever you actually want. So whether that's the neighbor that you've had for twenty years or your best mate, you can nominate them and have autonomy over who and where you want your money to go irrespective of any other, you know, requirements. So for that, what we would do is your superannuation and your insurance policy would actually become part of your estate, which means that upon your death, both of those, you know, benefits or any money that's left within those those funds would be paid through to your estate, so your will, and your will would be the deciding document as to where that money is going to be sent to.\n\nSo whether you wanted to donate to Carrie for argument's sake, then you could nominate that within your will. So it's definitely important to make sure that we do make that nomination just purely and simply because it is a bit of money that we're dealing with and that if anything does happen, you know, you have the decision to make You have the right to make the decision on where that money goes and who receives it. Ultimately, you can make the decision to not have a will. It just means that if there's anyone that you don't like, they may be able to get their hands on the money depending on your complexity and a current point of view. Obviously, from an expense, there are alternatives that are available.\n\nThere are online services such as WILED and other services like that. There are also services that you can access such as the public trustee. The public trustee actually has services that are available. You should book in with them and get, like, a will and power of attorney drawn up with them for free. Generally, they have, like, three to six month wait time to get that done, but that's something that is available as well that you you may be able to access.\n\nSo there's plenty of Yeah. Yeah. I was gonna say and there's, like, will kits and stuff like that. So, yeah, definitely, something like that. Just follow the kit's instructions, making sure to complete it, have it witnessed properly.\n\nEvery page needs to be witnessed by the same people. It means that, basically, there's three of you that stand in the circle and you complete you know, you would sign and they would sign the pages as you go through. So, yeah, that's absolutely. That's what we can do. I just had to send it to your data who will be nominated and then keep the keep the renewal in your location.\n\nBut, absolutely, you can execute one independently. So, yeah, that's that's basically the advice as a whole. If you are happy with the advice and you wanna proceed, you've already got the documents that I issued to you yesterday. So you're able to go through and have a look at them. It's just it's a few financial statement of advice.\n\nIt may have found its way to your junk folder because you've never received an email from this system before. We've moved over to a new, like, CRM system, and it just capacity to be able to send you signed documents and have them load straight back to your file at the same time. So it may have found its way to your junk folder, but oh, perfect. Yeah. Yeah.\n\nOh, cool. It comes through with my name. That's cool. So so yeah. So take your time.\n\nHave a look over the documents. And then if you have any questions, you can definitely give us a call. But, otherwise, it's pretty straightforward. And as soon as you sign them, we will get everything start like, started implementing. I guess the only question I really have for you is, I guess, best time available that I can get my team to reach out and go through that insurance Yeah.\n\nAbsolutely. Yeah. Alright. Like, a Tuesday morning before, like, the day really starts kicking in? Yeah.\n\nBecause, like, theoretically, I can do as early as, like, 09:00 your time. Yeah. Okay. Well, what I'll do is I'll tentatively put it I'll get in for, say, next Tuesday at 9AM all time. And then if we haven't received the signed documents back, we'll just touch base with you at that time, and we can always reschedule just in case you haven't had a chance to read and sign them over the weekend.\n\nNo. Perfect. I'll book that in, and it'll be that gives you a call. He's my insurance go to, so he'll give you a call on Tuesday. Perfect.\n\nWere there any questions at all, Wade? Absolutely. My pleasure. I'll speak to you next Tuesday. Have a great rest of your day, and have a great weekend.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, mate.","start":4.24,"end":5.68,"sentiment":"positive","sentiment_score":0.44831398129463196},{"text":"How are you calling?","start":5.68,"end":6.58,"sentiment":"positive","sentiment_score":0.34957829117774963},{"text":"Yeah.","start":10.4,"end":10.8,"sentiment":"positive","sentiment_score":0.46386075019836426},{"text":"Really good.","start":10.8,"end":11.36,"sentiment":"positive","sentiment_score":0.6918658018112183},{"text":"Thank you.","start":11.36,"end":11.759999,"sentiment":"positive","sentiment_score":0.6803138256072998}],"sentiment":"positive","sentiment_score":0.49595625946919125,"num_words":12,"start":4.24,"end":11.759999},{"sentences":[{"text":"How's the rest of your day?","start":11.759999,"end":12.719999,"sentiment":"positive","sentiment_score":0.4081198076407115},{"text":"Finish up yesterday.","start":12.719999,"end":13.62,"sentiment":"neutral","sentiment_score":0.053840926537911095},{"text":"That's a bit frustrating.","start":19.035,"end":21.215,"sentiment":"negative","sentiment_score":-0.5558048039674759},{"text":"Sorry about that.","start":31.97,"end":32.61,"sentiment":"neutral","sentiment_score":-0.27416571974754333},{"text":"How's that?","start":32.61,"end":33.43,"sentiment":"neutral","sentiment_score":-0.09690624475479126}],"sentiment":"neutral","sentiment_score":-0.03496040217578411,"num_words":18,"start":11.759999,"end":33.43},{"sentences":[{"text":"There we go.","start":35.57,"end":36.47,"sentiment":"neutral","sentiment_score":0.08918385207653046},{"text":"I hate when a it's always good when a busy day kind of happens.","start":37.649998,"end":41.01,"sentiment":"neutral","sentiment_score":-0.01977649304483618},{"text":"It makes things go faster, but at the same time, it's always a little bit frustrating as well to never get a a moment of peace.","start":41.01,"end":48.065,"sentiment":"neutral","sentiment_score":-0.005263127100009184},{"text":"Definitely is.","start":52.125,"end":53.585,"sentiment":"neutral","sentiment_score":0.3301056772470474},{"text":"Now yesterday, I did send you documents just ahead of, like, our call.","start":54.524998,"end":61.34,"sentiment":"neutral","sentiment_score":0.10847556648346093}],"sentiment":"neutral","sentiment_score":0.033176432203116085,"num_words":58,"start":35.57,"end":61.34},{"sentences":[{"text":"Did you get a chance at all to read those ones or have a look at them over the afternoon?","start":61.34,"end":66.240005,"sentiment":"neutral","sentiment_score":0.07718673087656498},{"text":"No.","start":71.82,"end":72.14,"sentiment":"neutral","sentiment_score":-0.011620718985795976},{"text":"That's okay.","start":72.14,"end":72.62,"sentiment":"neutral","sentiment_score":0.03721881564706564},{"text":"It sounds like you're driving anyway, so just safe driving.","start":72.62,"end":76.535,"sentiment":"neutral","sentiment_score":0.08618666119873523},{"text":"I'm not too worried.","start":78.035,"end":79.895004,"sentiment":"neutral","sentiment_score":0.1650436595082283}],"sentiment":"neutral","sentiment_score":0.08455656161783515,"num_words":37,"start":61.34,"end":79.895004},{"sentences":[{"text":"I can just talk you through them and and obviously go through everything.","start":79.955,"end":83.015,"sentiment":"neutral","sentiment_score":0.17389766298807585},{"text":"Now I guess before we do jump into it, I do need to let you know, as always, that our calls are recorded.","start":83.635,"end":88.135,"sentiment":"neutral","sentiment_score":0.06931361572250076},{"text":"And if I could just get you to confirm security for me, it's full name, date of birth, and address.","start":88.78,"end":94.71999,"sentiment":"neutral","sentiment_score":0.05528740677982569},{"text":"Perfect.","start":105.645,"end":106.145,"sentiment":"positive","sentiment_score":0.39393505454063416},{"text":"Alright.","start":107.884995,"end":108.384995,"sentiment":"neutral","sentiment_score":0.16075339913368225}],"sentiment":"neutral","sentiment_score":0.09509171327126437,"num_words":58,"start":79.955,"end":108.384995},{"sentences":[{"text":"So the advice, you you originally spoke with Tommy.","start":108.445,"end":111.645,"sentiment":"neutral","sentiment_score":0.05179114184445805},{"text":"Tommy's been sick for the last couple of days.","start":111.645,"end":114.365,"sentiment":"neutral","sentiment_score":-0.1034817389316029},{"text":"So I'm the head of advice, and I've I wanted to make sure we obviously kept this appointment and kept kept things moving.","start":114.365,"end":121.11,"sentiment":"neutral","sentiment_score":0.09580386316646701},{"text":"So I wanted to go through his advice document with you just to explain what what the the advice basically details.","start":121.11,"end":129.69,"sentiment":"neutral","sentiment_score":0.08899697484005065},{"text":"So the advice considers, like, your superannuation in the goal that you're aiming to retire at 65 and that you're wanting to get an income of, like, $1,500 a week.","start":130.445,"end":144.385,"sentiment":"neutral","sentiment_score":0.26083513498306277}],"sentiment":"neutral","sentiment_score":0.12426373913236287,"num_words":92,"start":108.445,"end":144.385},{"sentences":[{"text":"Now it's still a few years away before we're hitting that age, but we still wanna make sure that we're on track for that.","start":145.48999,"end":155.48999,"sentiment":"neutral","sentiment_score":0.26055251869062585},{"text":"Now addition to that, it does bring your insurance into scope.","start":155.48999,"end":159.825,"sentiment":"positive","sentiment_score":0.38165232268246735},{"text":"So looking at your insurance policies for personal insurance and making sure that that is adequately in place to cover yourself in the event that something were to happen to you, being able to work.","start":160.145,"end":174.485,"sentiment":"positive","sentiment_score":0.42580688851220266},{"text":"And then additional to that, Tommy has provided some advice and guidance on, like, estate planning.","start":175.66,"end":182.31999,"sentiment":"positive","sentiment_score":0.3611721768975258},{"text":"Because your superannuation and your insurances do cover estate, they are ultimately potentially a state asset.","start":182.45999,"end":190.33499,"sentiment":"positive","sentiment_score":0.36393299512565136}],"sentiment":"positive","sentiment_score":0.3623172534154911,"num_words":102,"start":145.48999,"end":190.33499},{"sentences":[{"text":"It's always good to just have that direction on on a state planning as well.","start":190.715,"end":194.97499,"sentiment":"positive","sentiment_score":0.45674892465273537},{"text":"Now with that, the advice comes down to sort of, I guess, three main areas or three main strategies.","start":195.19499,"end":207.15999,"sentiment":"neutral","sentiment_score":0.1824316472599381},{"text":"One strategy is is your superannuation.","start":208.18,"end":211.07999,"sentiment":"neutral","sentiment_score":0.2909908319513003},{"text":"So it's very focused on your investments within your hub twenty four fund.","start":211.85999,"end":219.74501,"sentiment":"neutral","sentiment_score":0.22550444763440353},{"text":"Just giving them a bit of a a refresh.","start":220.125,"end":222.38501,"sentiment":"neutral","sentiment_score":0.2161792235241996}],"sentiment":"neutral","sentiment_score":0.2732346933935919,"num_words":62,"start":190.715,"end":222.38501},{"sentences":[{"text":"I'm keeping you in line with the current risk allocation.","start":223.085,"end":226.785,"sentiment":"neutral","sentiment_score":0.2183685705065727},{"text":"So, currently, your super sitting in, like, an eighty twenty split.","start":227.16501,"end":231.44,"sentiment":"neutral","sentiment_score":0.11239091882651503},{"text":"So about 80% invest in the market, 20% being in a conservative position.","start":231.82,"end":237.76,"sentiment":"neutral","sentiment_score":0.1457626252220227},{"text":"And what Tommy recommend is that we just refer that you currently hold.","start":238.38,"end":246.395,"sentiment":"neutral","sentiment_score":0.09032784115809661},{"text":"So get rid of all the holds that you currently have in your portfolio and put that up, like yeah.","start":246.615,"end":254.075,"sentiment":"neutral","sentiment_score":-0.16785405427217484}],"sentiment":"neutral","sentiment_score":0.04674747447246936,"num_words":67,"start":223.085,"end":254.075},{"sentences":[{"text":"Really?","start":257.98,"end":258.48,"sentiment":"negative","sentiment_score":-0.35831835865974426},{"text":"Oh, really?","start":269.34,"end":270.16,"sentiment":"neutral","sentiment_score":-0.18962450325489044},{"text":"I'm sorry about that.","start":270.30002,"end":271.42,"sentiment":"neutral","sentiment_score":-0.3151794970035553},{"text":"Let me repeat myself.","start":271.42,"end":272.56,"sentiment":"neutral","sentiment_score":-0.18058782070875168},{"text":"So the advice for the superannuation is very investment based.","start":276.11502,"end":283.015,"sentiment":"neutral","sentiment_score":-0.006666557677090168}],"sentiment":"neutral","sentiment_score":-0.13272867679950737,"num_words":21,"start":257.98,"end":283.015},{"sentences":[{"text":"So it it is in relation to the actual underlying holdings within the portfolio.","start":283.475,"end":290.51,"sentiment":"neutral","sentiment_score":0.005643725661294801},{"text":"So the recommendation details basically getting out of four of the current holdings.","start":292.17,"end":300.83002,"sentiment":"neutral","sentiment_score":-0.021580560562702324},{"text":"One of them being, like, a an Australian equities fund, one of them being a tech based asset, another being a banking hybrid, and the last one being, like, Australian property.","start":302.11502,"end":315.89502,"sentiment":"neutral","sentiment_score":0.022361484326181874},{"text":"Completely removing those from your assets and no longer holding them and then purchasing into five other holdings to just diversify your holdings a little bit more.","start":316.39,"end":331.93002,"sentiment":"neutral","sentiment_score":0.02920481265970954},{"text":"And, additionally, we'll also have to bring down the overall cost of the actual operation of your fund because the investment fee on some of those assets that you currently hold is a little bit elevated.","start":332.335,"end":349.53,"sentiment":"neutral","sentiment_score":0.08055696067296797}],"sentiment":"neutral","sentiment_score":0.03454753233135239,"num_words":121,"start":283.475,"end":349.53},{"sentences":[{"text":"It's a little bit high.","start":349.67,"end":350.81,"sentiment":"neutral","sentiment_score":-0.03651197478175163},{"text":"So pulling in some lower cost, they're called ETFs, exchange trade funds.","start":351.75,"end":357.77,"sentiment":"neutral","sentiment_score":0.17853359629710516},{"text":"So there's just a lower cost, more diversified holding that's gonna give you a a not only a cheaper investment, but also, actually, a better historical growth return as well.","start":358.23,"end":372.655,"sentiment":"positive","sentiment_score":0.39677704870700836},{"text":"So Tommy's recommended that we just make a bit of a change.","start":376.13,"end":378.85,"sentiment":"neutral","sentiment_score":0.12354195925096671},{"text":"You'll be able to just have a look at the change when you obviously look at the document.","start":378.85,"end":381.65,"sentiment":"neutral","sentiment_score":0.08490936768551667}],"sentiment":"neutral","sentiment_score":0.21914320613269683,"num_words":77,"start":349.67,"end":381.65},{"sentences":[{"text":"You can see it on page 16 of the statement of advice, where your funds are currently held and where they're gonna move over to.","start":381.65,"end":388.215,"sentiment":"neutral","sentiment_score":0.06612706623971462},{"text":"So it gives you a good outline as to what we're aiming to hold overall.","start":388.695,"end":393.115,"sentiment":"neutral","sentiment_score":0.208872356514136},{"text":"Cool.","start":396.215,"end":396.715,"sentiment":"neutral","sentiment_score":0.32543930411338806},{"text":"So that's that's the advice for the superannuation fund is, obviously, like, we're gonna keep the hub twenty four operational, but just to do a bit of a change to the actual underlying assets and do a bit of a refresh to the account.","start":397.495,"end":411.97,"sentiment":"neutral","sentiment_score":0.12306229854849252},{"text":"It's gonna put you on a a much better track for for retirement even though retirement's still eighteen years away.","start":415.06998,"end":420.865,"sentiment":"positive","sentiment_score":0.4528458058834076}],"sentiment":"neutral","sentiment_score":0.18650817677733444,"num_words":105,"start":381.65,"end":420.865},{"sentences":[{"text":"It it just has a better outlook because of the lower cost, better historical return rate.","start":421.965,"end":428.145,"sentiment":"positive","sentiment_score":0.5210258718580008},{"text":"It it just gives you a better position overall to to achieve that $1,500 a week income come your retirement.","start":428.64,"end":436.1,"sentiment":"positive","sentiment_score":0.5506647497415542},{"text":"Perfect.","start":438.56,"end":439.06,"sentiment":"neutral","sentiment_score":0.11234550178050996},{"text":"Now secondarily to that, one of the things that Tom recommended was that we actually start salary sacrificing.","start":439.84,"end":448.495,"sentiment":"neutral","sentiment_score":-0.08412011764529678},{"text":"When you spoke with him, you guys discussed basically an allowance of about a $100 a week that you were willing to forego and utilize towards, like, either investing or, you know, insurance and stuff like that.","start":449.675,"end":464.63998,"sentiment":"neutral","sentiment_score":-0.10452550136156984}],"sentiment":"neutral","sentiment_score":0.15304835628637153,"num_words":92,"start":421.965,"end":464.63998},{"sentences":[{"text":"Now Tommy recommended that we actually salary sacrifice $75 per week.","start":465.09998,"end":471.44,"sentiment":"neutral","sentiment_score":0.13869718529961325},{"text":"So that'll be $75 out of your gross income that will go towards your superannuation fund.","start":471.60498,"end":478.665,"sentiment":"neutral","sentiment_score":0.24277287162840366},{"text":"So you're not gonna feel $75 a week come out of your net income because that $75 is before you get taxed.","start":479.285,"end":486.18,"sentiment":"neutral","sentiment_score":-0.045348428528417244},{"text":"Cool.","start":488.74,"end":489.24,"sentiment":"positive","sentiment_score":0.44962388277053833},{"text":"So what what Tommy's recommended is that we we implement that $75 per week.","start":489.78,"end":495.96,"sentiment":"positive","sentiment_score":0.40434406272002626}],"sentiment":"neutral","sentiment_score":0.16441891121212393,"num_words":64,"start":465.09998,"end":495.96},{"sentences":[{"text":"And then with the remainder of the that $100, we actually look at targeting that towards an insurance product.","start":496.18,"end":505.475,"sentiment":"neutral","sentiment_score":0.30234412456813614},{"text":"So, currently, with respect to insurance I just wanna pull up let me just go.","start":506.495,"end":518.02997,"sentiment":"neutral","sentiment_score":0.04887860367695491},{"text":"So currently, with respect to insurance sorry.","start":520.88995,"end":523.68994,"sentiment":"neutral","sentiment_score":-0.0553415912602629},{"text":"I lost my you don't have any cover in place.","start":523.68994,"end":526.875,"sentiment":"neutral","sentiment_score":-0.16853704452514648},{"text":"But what what Tommy wants to do and what we wanna ultimately put in place for you to achieve that goal, making sure that the family is gonna be looked after, making sure that you're looked after, really, is get an insurance policy in place.","start":527.195,"end":541.92,"sentiment":"neutral","sentiment_score":0.3180093280143208}],"sentiment":"neutral","sentiment_score":0.19495182915125042,"num_words":96,"start":496.18,"end":541.92},{"sentences":[{"text":"Now I know that for yourself, the biggest, I guess, the thing that you wanted most was the disability cover.","start":541.92,"end":556.805,"sentiment":"neutral","sentiment_score":-0.03603743948042393},{"text":"That you weren't really chasing, like, life insurance or anything like that.","start":557.505,"end":561.90497,"sentiment":"neutral","sentiment_score":-0.0625988154982527},{"text":"It was really coming down to, like, the total and permanent disability, the income protection cover, stuff like that to keep you protected.","start":561.90497,"end":569.445,"sentiment":"neutral","sentiment_score":0.003946355503538381},{"text":"Now I look at, like, children permanent disability insurance.","start":570.8,"end":577.22,"sentiment":"neutral","sentiment_score":-0.05145902890298101},{"text":"Ultimately, when we look over the TPD insurance, it came out more expensive to hold just total and permanent disability without connecting it to a life insurance policy.","start":577.83997,"end":594.575,"sentiment":"neutral","sentiment_score":-0.17032471485435963}],"sentiment":"neutral","sentiment_score":-0.07188469212016334,"num_words":92,"start":541.92,"end":594.575},{"sentences":[{"text":"So Tommy actually recommended to link the TPD to a life policy because it became cheaper overall.","start":594.71497,"end":600.58,"sentiment":"neutral","sentiment_score":0.10383888596997541},{"text":"So he's recommended a million dollars worth of, like, total permanent disability with a life insurance basically attached to it to help bring down that that that cost.","start":601.12,"end":614.08496,"sentiment":"neutral","sentiment_score":0.18222458554165705},{"text":"Now additional to that, to replace your income, so TPD is there if you are never able to work again.","start":615.02496,"end":621.685,"sentiment":"neutral","sentiment_score":0.07651078272610903},{"text":"It's a lump sum benefit that helps you to, you know, pay off the debts to to live securely in the event that you were never working.","start":621.985,"end":629.75,"sentiment":"neutral","sentiment_score":0.21023777348023873},{"text":"Whereas your income protection is basically a short term monthly benefit that's payable in the event you're ill ill or injured.","start":630.77,"end":638.87,"sentiment":"neutral","sentiment_score":0.010056940683474144}],"sentiment":"neutral","sentiment_score":0.12641929866812002,"num_words":113,"start":594.71497,"end":638.87},{"sentences":[{"text":"So it's kind of that middle ground between when you fall off work and unable to work and while, like, a TPD claim is being assessed.","start":639.01,"end":648.005,"sentiment":"neutral","sentiment_score":-0.03131057042628527},{"text":"Because TPD claims can take months to, you know, twelve months to twenty four months.","start":648.005,"end":653.605,"sentiment":"neutral","sentiment_score":-0.05387248074014982},{"text":"So, like, two years is generally how long I see TPD claims unless it's a massive mess of those.","start":653.605,"end":660.69,"sentiment":"neutral","sentiment_score":-0.0856820742942785},{"text":"So that income protection policy, Tommy's recommended five years.","start":662.03,"end":665.25,"sentiment":"neutral","sentiment_score":0.08893526345491409},{"text":"So it's gonna enable you to get five years worth of monthly benefit paid to you, you know, until you're either able to return to work or claim TBD.","start":665.31,"end":676.055,"sentiment":"neutral","sentiment_score":0.1709370263691606}],"sentiment":"neutral","sentiment_score":0.025586425326764584,"num_words":98,"start":639.01,"end":676.055},{"sentences":[{"text":"So that that's the recommendation for for that policy.","start":677.555,"end":681.65497,"sentiment":"neutral","sentiment_score":0.15597168025043276},{"text":"Now that's gonna be paid by your super funds.","start":681.71497,"end":683.91,"sentiment":"neutral","sentiment_score":0.13861298975017336},{"text":"So that's where that $75 worth of salary sacrifice comes in into play to offset the premiums that'll be paid from your super fund.","start":683.99,"end":691.11,"sentiment":"neutral","sentiment_score":0.12818070873618126},{"text":"The premiums for that are $2,821 a year, and that'll come out of your fund.","start":691.11,"end":698.085,"sentiment":"neutral","sentiment_score":0.14391528964042663},{"text":"Now secondarily to that, Tommy's recommended a trauma policy.","start":700.805,"end":705.86505,"sentiment":"neutral","sentiment_score":0.03416865588062339}],"sentiment":"neutral","sentiment_score":0.12414918616978508,"num_words":66,"start":677.555,"end":705.86505},{"sentences":[{"text":"Now the trauma policy covers the diagnosis of your medical majors.","start":706.405,"end":712.44,"sentiment":"neutral","sentiment_score":0.0233831275254488},{"text":"So with trauma, like, basically, heart attack, cancer, stroke, neurological conditions like your muscular dystrophy, Huntington's, Parkinson's, diabetes, upon the diagnosis of, the benefit is releasable to you or payable to you.","start":713.56,"end":729.135,"sentiment":"neutral","sentiment_score":0.04559221304953098},{"text":"Trauma policies generally pay out within a couple of weeks, providing you obviously submit documentation, and once there's no delay there, they pay out really quickly versus the life TPD IP can take a month or two to generally make assessments on those on those policies.","start":729.835,"end":745.66003,"sentiment":"neutral","sentiment_score":0.15859619657630505},{"text":"Trauma is very, very quick to pay out.","start":746.52,"end":748.52,"sentiment":"positive","sentiment_score":0.4312181081622839},{"text":"The recommendation is for a $100,000 that we'd payable to you.","start":748.52,"end":753.075,"sentiment":"neutral","sentiment_score":0.2841109714724801}],"sentiment":"neutral","sentiment_score":0.14431996124417143,"num_words":108,"start":706.405,"end":753.075},{"sentences":[{"text":"And and, again, he's attached to a a life a life policy to it, and that life policy just makes the premium cheaper.","start":753.555,"end":761.335,"sentiment":"positive","sentiment_score":0.39682380595932837},{"text":"It sounds really counterintuitive, but it's the way that insurers work that when you have a life policy attached to it, it just makes a premium overall cheaper than if you were to have two standalone benefits of the same value.","start":761.715,"end":774.82,"sentiment":"positive","sentiment_score":0.5045477747917175},{"text":"What it also means is that because you're paying for that trauma policy out of pocket, so that trauma policy would be paid out of pocket with that sort of remainder of that $100, that that policy will enable you in the event that you were to pass away.","start":776.32,"end":793.475,"sentiment":"neutral","sentiment_score":0.31245430376456707},{"text":"There's a on the life policy, there is a funeral advancement.","start":794.15,"end":797.77,"sentiment":"neutral","sentiment_score":0.21709270775318146},{"text":"So if anything were to happen to you, that that life policy can actually pay a funeral advancement out to enable funeral costs to be covered, which is good on that front.","start":798.07,"end":810.945,"sentiment":"positive","sentiment_score":0.34641324332915246}],"sentiment":"positive","sentiment_score":0.3756212228192733,"num_words":156,"start":753.555,"end":810.945},{"sentences":[{"text":"Obviously, not a policy we ever wanna claim on, but it's there in the event that something were to happen.","start":810.945,"end":815.84503,"sentiment":"neutral","sentiment_score":0.12448847368359565},{"text":"Now at the moment, while you are quitting, because I know that you are aiming to quit smoking, until you are 12 consecutive nonsmoking, there are smokers rates applied.","start":817.985,"end":831.72003,"sentiment":"neutral","sentiment_score":0.07394556508495889},{"text":"Once you're twelve months nonsmoking, we will be able to apply to the insurer.","start":832.18,"end":836.12,"sentiment":"neutral","sentiment_score":0.16250741056033544},{"text":"It's a really short application to get nonsmoking rate.","start":836.305,"end":840.945,"sentiment":"neutral","sentiment_score":0.2753595925039715},{"text":"So we we can revert to a cheaper rate, which will be great.","start":840.945,"end":844.385,"sentiment":"positive","sentiment_score":0.5051374412499942}],"sentiment":"neutral","sentiment_score":0.18769785503254216,"num_words":85,"start":810.945,"end":844.385},{"sentences":[{"text":"It'll run the premium down on both the policies.","start":844.385,"end":846.965,"sentiment":"positive","sentiment_score":0.5715785721937815},{"text":"Now can I I I wanna confirm with you while we're obviously having this conversation, because what I'll do is I'll put it in our our calendar to make sure that we contact you at the twelve month mark?","start":847.505,"end":858.4,"sentiment":"neutral","sentiment_score":0.15077870721236253},{"text":"When would your twelve months be?","start":858.62,"end":860.72003,"sentiment":"neutral","sentiment_score":0.027221901963154476},{"text":"Yep.","start":870.615,"end":871.015,"sentiment":"neutral","sentiment_score":0.05033872649073601},{"text":"And I need to confirm, is that off all cigarettes, vapes, nicotine gum, patches, replacement products?","start":871.015,"end":878.955,"sentiment":"neutral","sentiment_score":0.019791572995018214}],"sentiment":"neutral","sentiment_score":0.16274523996079052,"num_words":71,"start":844.385,"end":878.955},{"sentences":[{"text":"So it has to be off it has to be off all replacement products, nicotine gum as well.","start":884.6,"end":889.74,"sentiment":"neutral","sentiment_score":-0.17037669486469692},{"text":"Today's the best any day.","start":896.495,"end":898.035,"sentiment":"positive","sentiment_score":0.41129220724105836},{"text":"No.","start":898.65497,"end":898.89496,"sentiment":"neutral","sentiment_score":-0.01993520185351372},{"text":"That's okay.","start":898.89496,"end":899.45496,"sentiment":"neutral","sentiment_score":0.11121600866317749},{"text":"Well, what what I'll do is I'll I'll pop it in the calendar to basically twelve months time.","start":899.45496,"end":904.355,"sentiment":"neutral","sentiment_score":0.18209986512859663}],"sentiment":"neutral","sentiment_score":0.056135793555189266,"num_words":44,"start":884.6,"end":904.355},{"sentences":[{"text":"We'll touch base with you at the beginning of next year, and we can get that removed and get that reduced, which will be fantastic.","start":904.495,"end":909.63495,"sentiment":"neutral","sentiment_score":0.3134344518184662},{"text":"So with with the insurance policy, it's obviously there to make sure that we're covering out the nearly half 1,000,000 debt.","start":911.91,"end":918.57,"sentiment":"neutral","sentiment_score":0.06709002091416291},{"text":"It covers any home renovations that need to happen under the TPD cover.","start":919.67,"end":923.995,"sentiment":"neutral","sentiment_score":0.017918430985166475},{"text":"You know?","start":924.53503,"end":924.935,"sentiment":"neutral","sentiment_score":0.0020478060469031334},{"text":"Because if you're totally impairment disabled, you know, need to make sure that you have the capacity to either have a vehicle or home modifications that allow you to live comfortably.","start":924.935,"end":935.275,"sentiment":"neutral","sentiment_score":0.014191640901469415}],"sentiment":"neutral","sentiment_score":0.10784486758158258,"num_words":92,"start":904.495,"end":935.275},{"sentences":[{"text":"It replaces your cost of living each year over the next eighteen years until you hit that retirement age you were looking for, and that's how we got to that million dollars worth of need for that for that cover.","start":936.26996,"end":950.175,"sentiment":"neutral","sentiment_score":0.08704669764265419},{"text":"With with that, what what we would wanna look at doing is getting, like, the so Zurich to ensure that works best for your occupation, your dem it's like your demographic as a whole.","start":951.515,"end":967.51,"sentiment":"neutral","sentiment_score":0.15410042313091896},{"text":"So when when we look at insurance, we look at tailoring insurance, we look at multiple insurers, and and we wanna make sure that we're obviously tailoring the product to best suit you from a premium speech perspective.","start":967.89,"end":979.545,"sentiment":"neutral","sentiment_score":0.11576877377535168},{"text":"Zurich does that.","start":980.085,"end":981.205,"sentiment":"neutral","sentiment_score":0.13409133503834406},{"text":"Not only not only did with your income protection policy, it's thirty day waiting period, but most insurers actually pay income protection at the end of the first month.","start":981.205,"end":992.49,"sentiment":"neutral","sentiment_score":0.024069121043229925}],"sentiment":"neutral","sentiment_score":0.09875537646520469,"num_words":144,"start":936.26996,"end":992.49},{"sentences":[{"text":"So with your your policy, that would generally see that you wouldn't get your first monthly payment until day 60 of you being off work.","start":992.64996,"end":1000.02997,"sentiment":"neutral","sentiment_score":0.04908230811357498},{"text":"Zurich actually do a day fifteen payment.","start":1000.25,"end":1002.27,"sentiment":"neutral","sentiment_score":0.15621153158800943},{"text":"So it means that you would only be basically four to five days off work before you receive your first month's payment.","start":1002.33,"end":1007.47,"sentiment":"neutral","sentiment_score":0.08993852612647144},{"text":"Paid.","start":1010.275,"end":1010.775,"sentiment":"neutral","sentiment_score":0.027715913951396946},{"text":"It's definitely based on the service, like, the service period that you have to be off work before the policy kicks in.","start":1011.155,"end":1016.215,"sentiment":"neutral","sentiment_score":0.15426060929894447}],"sentiment":"neutral","sentiment_score":0.1002679911333245,"num_words":77,"start":992.64996,"end":1016.215},{"sentences":[{"text":"They also have a really great partial benefit.","start":1016.515,"end":1021.315,"sentiment":"positive","sentiment_score":0.49971091747283936},{"text":"So if you're, you know, partially incapacitated from your job and you, you know, you serve seven out of twelve days off work, you can actually go through a partial claim benefit as well.","start":1021.315,"end":1033.35,"sentiment":"neutral","sentiment_score":0.32048988714814186},{"text":"So there's a lot of good features with the products that enable you to have claims where other products may not enable you to have claims.","start":1033.35,"end":1040.695,"sentiment":"positive","sentiment_score":0.3868524277439484},{"text":"And, you know, it's obviously really important to make sure that you have, you know, continuation of income being that, you know, your income is the sole income to keep you sustained.","start":1041.235,"end":1052.7,"sentiment":"neutral","sentiment_score":0.18172157346270978},{"text":"There's no other, you know, income resources coming in, so we wanna make sure that that's all all covered on that side.","start":1053.5599,"end":1059.02,"sentiment":"neutral","sentiment_score":0.1377255633812059}],"sentiment":"neutral","sentiment_score":0.27702917515865116,"num_words":122,"start":1016.515,"end":1059.02},{"sentences":[{"text":"Does that all make sense, and and are you following so far?","start":1059.7999,"end":1065.015,"sentiment":"neutral","sentiment_score":0.11029977289338906},{"text":"Yeah.","start":1065.015,"end":1065.415,"sentiment":"neutral","sentiment_score":0.3076496720314026},{"text":"Cool.","start":1065.415,"end":1065.915,"sentiment":"positive","sentiment_score":0.40454185009002686},{"text":"So with with the the insurance, what we would need to do is go through an insurance application.","start":1067.095,"end":1073.115,"sentiment":"neutral","sentiment_score":0.05639818993707498},{"text":"So what I would schedule in with you is for one of my team to reach out to you and go through the application where you would disclose your medical and health history, family history.","start":1073.575,"end":1082.34,"sentiment":"neutral","sentiment_score":0.08108281482543264}],"sentiment":"neutral","sentiment_score":0.08789335424775507,"num_words":67,"start":1059.7999,"end":1082.34},{"sentences":[{"text":"That would get issued to Zurich.","start":1082.7999,"end":1084.96,"sentiment":"neutral","sentiment_score":0.07690697908401489},{"text":"Zurich would basically then assess you as an individual person to ensure that overall, you know, they have to take on the risk of your policy.","start":1084.96,"end":1093.7799,"sentiment":"neutral","sentiment_score":0.13564086418885452},{"text":"That means the company has a lot easier for a process.","start":1094.135,"end":1096.8551,"sentiment":"neutral","sentiment_score":0.2780636034228585},{"text":"We could already disclose any previous health concerns.","start":1096.8551,"end":1100.635,"sentiment":"neutral","sentiment_score":0.09926809230819345},{"text":"And, you know, not trying to dig through your process get through that, but my team will, you know, walk you through that to make it as possible.","start":1101.9751,"end":1115.12,"sentiment":"neutral","sentiment_score":0.07999340710895401}],"sentiment":"neutral","sentiment_score":0.12760460909597482,"num_words":79,"start":1082.7999,"end":1115.12},{"sentences":[{"text":"You can, you know, join your way to work.","start":1116.5399,"end":1118.5599,"sentiment":"neutral","sentiment_score":0.05540688998169369},{"text":"Yeah.","start":1119.74,"end":1120.24,"sentiment":"neutral","sentiment_score":0.18851739168167111},{"text":"Perfect.","start":1120.2999,"end":1120.7999,"sentiment":"positive","sentiment_score":0.35588276386260986},{"text":"So that's basically, like, the crux of the, like, main advice is, like, superannuation, you know, change the investment, salary sacrifice arrangement, and then we'll send you a letter to your employer to sign the payments.","start":1122.505,"end":1138.41,"sentiment":"neutral","sentiment_score":0.07933799477501048},{"text":"I know you're the account manager, so that just speak to making that alteration.","start":1138.41,"end":1144.35,"sentiment":"neutral","sentiment_score":0.03350756104503359}],"sentiment":"neutral","sentiment_score":0.07161206281820282,"num_words":61,"start":1116.5399,"end":1144.35},{"sentences":[{"text":"Yeah.","start":1150.375,"end":1150.695,"sentiment":"neutral","sentiment_score":0.28190553188323975},{"text":"So and then and then we do insurance that patient.","start":1150.695,"end":1156.635,"sentiment":"neutral","sentiment_score":0.23989874869585037},{"text":"Aside from that, the one thing we wanna wanna look at being done is just some state planning.","start":1157.175,"end":1161.995,"sentiment":"neutral","sentiment_score":0.051425675137175456},{"text":"Currently, with your, like, with your superannuation with the insurance policy as well, there's no one that that, you know, you've identified or that we can identify that would suitably and, like, be a beneficiary that's valid.","start":1162.38,"end":1182.4551,"sentiment":"neutral","sentiment_score":0.011714863782824093},{"text":"And the reason for that is that superannuation legislation has very, very finite allowances for who can be, like, nominated.","start":1182.9951,"end":1190.935,"sentiment":"neutral","sentiment_score":-0.12017495725303888}],"sentiment":"neutral","sentiment_score":0.01902913937458855,"num_words":86,"start":1150.375,"end":1190.935},{"sentences":[{"text":"So it has to be, like, a spouse, a child, or a financial dependent.","start":1191.48,"end":1195.26,"sentiment":"neutral","sentiment_score":-0.07912829970674855},{"text":"So very, very limited definitions allowable.","start":1195.48,"end":1198.14,"sentiment":"neutral","sentiment_score":-0.21910007297992706},{"text":"A will, like, a last will and testament, will enable you to nominate whomever you actually want.","start":1199.5599,"end":1206.2,"sentiment":"neutral","sentiment_score":0.1445973934057881},{"text":"So whether that's the neighbor that you've had for twenty years or your best mate, you can nominate them and have autonomy over who and where you want your money to go irrespective of any other, you know, requirements.","start":1206.2,"end":1218.945,"sentiment":"neutral","sentiment_score":0.16312197872843498},{"text":"So for that, what we would do is your superannuation and your insurance policy would actually become part of your estate, which means that upon your death, both of those, you know, benefits or any money that's left within those those funds would be paid through to your estate, so your will, and your will would be the deciding document as to where that money is going to be sent to.","start":1219.5801,"end":1243.735,"sentiment":"neutral","sentiment_score":0.16051182182322085}],"sentiment":"neutral","sentiment_score":0.12104663655770068,"num_words":147,"start":1191.48,"end":1243.735},{"sentences":[{"text":"So whether you wanted to donate to Carrie for argument's sake, then you could nominate that within your will.","start":1243.735,"end":1249.76,"sentiment":"neutral","sentiment_score":0.14785590414938174},{"text":"So it's definitely important to make sure that we do make that nomination just purely and simply because it is a bit of money that we're dealing with and that if anything does happen, you know, you have the decision to make You have the right to make the decision on where that money goes and who receives it.","start":1250.14,"end":1266.195,"sentiment":"neutral","sentiment_score":0.16606790130421267},{"text":"Ultimately, you can make the decision to not have a will.","start":1266.735,"end":1270.2749,"sentiment":"neutral","sentiment_score":0.14879245920614761},{"text":"It just means that if there's anyone that you don't like, they may be able to get their hands on the money depending on your complexity and a current point of view.","start":1270.4149,"end":1289.025,"sentiment":"neutral","sentiment_score":-0.30584140168502927},{"text":"Obviously, from an expense, there are alternatives that are available.","start":1289.8251,"end":1293.685,"sentiment":"neutral","sentiment_score":0.10713696926832199}],"sentiment":"neutral","sentiment_score":0.042201757601654254,"num_words":131,"start":1243.735,"end":1293.685},{"sentences":[{"text":"There are online services such as WILED and other services like that.","start":1293.745,"end":1299.265,"sentiment":"neutral","sentiment_score":0.17088093298176923},{"text":"There are also services that you can access such as the public trustee.","start":1299.265,"end":1307.12,"sentiment":"neutral","sentiment_score":0.1702908965257498},{"text":"The public trustee actually has services that are available.","start":1307.34,"end":1312.16,"sentiment":"neutral","sentiment_score":0.20499217013518015},{"text":"You should book in with them and get, like, a will and power of attorney drawn up with them for free.","start":1312.7,"end":1317.2,"sentiment":"neutral","sentiment_score":0.25186973100616816},{"text":"Generally, they have, like, three to six month wait time to get that done, but that's something that is available as well that you you may be able to access.","start":1317.66,"end":1324.8251,"sentiment":"neutral","sentiment_score":0.16956389993429183}],"sentiment":"neutral","sentiment_score":0.19394663212930455,"num_words":85,"start":1293.745,"end":1324.8251},{"sentences":[{"text":"So there's plenty of Yeah.","start":1325.525,"end":1335.48,"sentiment":"neutral","sentiment_score":0.1209611490368843},{"text":"Yeah.","start":1335.48,"end":1335.72,"sentiment":"neutral","sentiment_score":0.06574611365795135},{"text":"I was gonna say and there's, like, will kits and stuff like that.","start":1335.72,"end":1337.88,"sentiment":"neutral","sentiment_score":0.028262662486388132},{"text":"So, yeah, definitely, something like that.","start":1337.88,"end":1340.36,"sentiment":"neutral","sentiment_score":0.1247275775919358},{"text":"Just follow the kit's instructions, making sure to complete it, have it witnessed properly.","start":1340.36,"end":1347.26,"sentiment":"neutral","sentiment_score":0.1388306101518018}],"sentiment":"neutral","sentiment_score":0.09564001227800663,"num_words":39,"start":1325.525,"end":1347.26},{"sentences":[{"text":"Every page needs to be witnessed by the same people.","start":1347.4,"end":1350.22,"sentiment":"neutral","sentiment_score":0.03595795705914497},{"text":"It means that, basically, there's three of you that stand in the circle and you complete you know, you would sign and they would sign the pages as you go through.","start":1350.415,"end":1359.635,"sentiment":"neutral","sentiment_score":0.12259617111375255},{"text":"So, yeah, that's absolutely.","start":1361.455,"end":1365.58,"sentiment":"positive","sentiment_score":0.38362935930490494},{"text":"That's what we can do.","start":1366.12,"end":1367.8,"sentiment":"positive","sentiment_score":0.44158739447593687},{"text":"I just had to send it to your data who will be nominated and then keep the keep the renewal in your location.","start":1367.8,"end":1379.775,"sentiment":"neutral","sentiment_score":0.19221725379643234}],"sentiment":"neutral","sentiment_score":0.168815234548425,"num_words":73,"start":1347.4,"end":1379.775},{"sentences":[{"text":"But, absolutely, you can execute one independently.","start":1380.875,"end":1383.455,"sentiment":"neutral","sentiment_score":0.15960498792784555},{"text":"So, yeah, that's that's basically the advice as a whole.","start":1384.875,"end":1388.015,"sentiment":"neutral","sentiment_score":0.16594792157411575},{"text":"If you are happy with the advice and you wanna proceed, you've already got the documents that I issued to you yesterday.","start":1388.875,"end":1396.37,"sentiment":"neutral","sentiment_score":0.326374660838734},{"text":"So you're able to go through and have a look at them.","start":1397.47,"end":1400.0499,"sentiment":"neutral","sentiment_score":0.27584398662050563},{"text":"It's just it's a few financial statement of advice.","start":1401.47,"end":1404.2899,"sentiment":"neutral","sentiment_score":0.005396479119857152}],"sentiment":"neutral","sentiment_score":0.22192754702021678,"num_words":60,"start":1380.875,"end":1404.2899},{"sentences":[{"text":"It may have found its way to your junk folder because you've never received an email from this system before.","start":1404.4299,"end":1410.965,"sentiment":"negative","sentiment_score":-0.4006538949906826},{"text":"We've moved over to a new, like, CRM system, and it just capacity to be able to send you signed documents and have them load straight back to your file at the same time.","start":1410.965,"end":1423.48,"sentiment":"neutral","sentiment_score":0.09042611236081403},{"text":"So it may have found its way to your junk folder, but oh, perfect.","start":1423.48,"end":1430.78,"sentiment":"neutral","sentiment_score":-0.03468754927494696},{"text":"Yeah.","start":1437.5851,"end":1437.665,"sentiment":"neutral","sentiment_score":0.2462272346019745},{"text":"Yeah.","start":1437.665,"end":1438.165,"sentiment":"neutral","sentiment_score":0.2442200779914856}],"sentiment":"neutral","sentiment_score":-0.0704824065257396,"num_words":70,"start":1404.4299,"end":1438.165},{"sentences":[{"text":"Oh, cool.","start":1438.305,"end":1438.7051,"sentiment":"positive","sentiment_score":0.48606786131858826},{"text":"It comes through with my name.","start":1438.7051,"end":1439.665,"sentiment":"positive","sentiment_score":0.4064447035392125},{"text":"That's cool.","start":1439.665,"end":1440.3251,"sentiment":"positive","sentiment_score":0.639468252658844},{"text":"So so yeah.","start":1442.305,"end":1442.865,"sentiment":"positive","sentiment_score":0.3526983658472697},{"text":"So take your 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through that insurance Yeah.","start":1457.13,"end":1471.245,"sentiment":"neutral","sentiment_score":0.016018627301579522}],"sentiment":"neutral","sentiment_score":0.1590975754513917,"num_words":71,"start":1444.305,"end":1471.245},{"sentences":[{"text":"Absolutely.","start":1480.18,"end":1480.68,"sentiment":"neutral","sentiment_score":0.1102939397096634},{"text":"Yeah.","start":1481.14,"end":1481.62,"sentiment":"neutral","sentiment_score":0.05665513500571251},{"text":"Alright.","start":1481.62,"end":1482.12,"sentiment":"neutral","sentiment_score":0.0812782570719719},{"text":"Like, a Tuesday morning before, like, the day really starts kicking in?","start":1482.18,"end":1485.56,"sentiment":"neutral","sentiment_score":0.07295873823265235},{"text":"Yeah.","start":1487.7001,"end":1488.02,"sentiment":"neutral","sentiment_score":0.09918929636478424}],"sentiment":"neutral","sentiment_score":0.07643259293399751,"num_words":16,"start":1480.18,"end":1488.02},{"sentences":[{"text":"Because, like, theoretically, I can do as early as, like, 09:00 your time.","start":1488.02,"end":1491.48,"sentiment":"neutral","sentiment_score":0.09288784804252478},{"text":"Yeah.","start":1494.66,"end":1494.98,"sentiment":"neutral","sentiment_score":0.10926270484924316},{"text":"Okay.","start":1494.98,"end":1495.46,"sentiment":"neutral","sentiment_score":0.11480040103197098},{"text":"Well, what I'll do is I'll tentatively put it I'll get in for, say, next Tuesday at 9AM all time.","start":1495.46,"end":1500.485,"sentiment":"neutral","sentiment_score":0.0945612609386444},{"text":"And then if we haven't received the signed documents back, we'll just touch base with you at that time, and we can always reschedule just in case you haven't had a chance to read and sign them over the 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weekend.","start":1534.3768,"end":1536.4769,"sentiment":"positive","sentiment_score":0.7649415334065756}],"sentiment":"positive","sentiment_score":0.6210384549839156,"num_words":28,"start":1525.4249,"end":1536.4769},{"sentences":[{"text":"Bye.","start":1539.0969,"end":1539.5969,"sentiment":"positive","sentiment_score":0.4189848303794861},{"text":"Bye.","start":1540.0569,"end":1540.5569,"sentiment":"neutral","sentiment_score":0.2893008589744568}],"sentiment":"positive","sentiment_score":0.35414284467697144,"num_words":2,"start":1539.0969,"end":1540.5569}]}}]},{"alternatives":[{"transcript":"Hello. Wade speaking. Pretty good. How are you? Yeah. It was pretty busy, to be honest. All good? Sorry. You're breaking up a bit there. I can't really hear you. Yeah. That's a bit better. Yep. Yeah. All part of it, I suppose. I didn't, to be honest, but I can probably have a good look now. Yeah. Yeah. White Kenneth Chadwick. Ten eighty Princess Auto right now, Moriac, and items of Service ninety three. I I can't really hear you, sir. You're really breaking up. Yeah. It's coming and going. Like, that's fine now, but probably the last twenty seconds there, I didn't really hear. It was very robotic sort of. Yeah. Sorry. Yep. Yep. Yeah. Okay. Yeah. Okay. Yep. Okay. Sounds good. Yeah. Yeah. Yep. Yep. Yes. Yep. Yeah. Yeah. I could. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Okay. Yep. Yep. Okay. Yep. Yeah. Yeah. I couldn't tell you exactly, but probably, I don't know, another nine months or so. Yeah. Well, I have been using the nicotine gum, so I don't know if that's Okay. Well, I'll try for today then. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yep. All good. Yeah. Yeah. I've done it before. No. It will be, yeah, it will be the office people. That's all good. Yep. Yep. Yeah. I can. Yeah. Yeah. Yeah. Okay. I've actually got I've got a wheel on the bench at home that my mom just gave me to fill out, so I'll get on to that. Yeah. Yep. Yep. Yep. No. I've got it. It's cancer. I'll just I'll just check now. It's from yep. Okay. Larissa. All good. Yep. Probably a Tuesday would be better. Yeah. I just don't visit as many customers and stuff on Tuesdays, so I can take calls easier. Yeah. That'll be fine. Yep. Yeah. That will work. Yep. Yep. Alright. That'd be good. Okeydokey. Sounds good. No. No. That's all good. Thanks for explaining everything. You too. Thanks very much. See you. 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Wade speaking. Pretty good. How are you? Yeah.\n\nIt was pretty busy, to be honest. All good? Sorry. You're breaking up a bit there. I can't really hear you.\n\nYeah. That's a bit better. Yep. Yeah. All part of it, I suppose.\n\nI didn't, to be honest, but I can probably have a good look now. Yeah. Yeah. White Kenneth Chadwick. Ten eighty Princess Auto right now, Moriac, and items of Service ninety three.\n\nI I can't really hear you, sir. You're really breaking up. Yeah. It's coming and going. Like, that's fine now, but probably the last twenty seconds there, I didn't really hear.\n\nIt was very robotic sort of. Yeah. Sorry. Yep. Yep.\n\nYeah. Okay. Yeah. Okay. Yep.\n\nOkay. Sounds good. Yeah. Yeah. Yep.\n\nYep. Yes. Yep. Yeah. Yeah.\n\nI could. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yep. Okay. Yep.\n\nYep. Okay. Yep. Yeah. Yeah.\n\nI couldn't tell you exactly, but probably, I don't know, another nine months or so. Yeah. Well, I have been using the nicotine gum, so I don't know if that's Okay. Well, I'll try for today then. Yep.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nYep. All good. Yeah. Yeah. I've done it before.\n\nNo. It will be, yeah, it will be the office people. That's all good. Yep. Yep.\n\nYeah. I can. Yeah. Yeah. Yeah.\n\nOkay. I've actually got I've got a wheel on the bench at home that my mom just gave me to fill out, so I'll get on to that. Yeah. Yep. Yep.\n\nYep. No. I've got it. It's cancer. I'll just I'll just check now.\n\nIt's from yep. Okay. Larissa. All good. Yep.\n\nProbably a Tuesday would be better. Yeah. I just don't visit as many customers and stuff on Tuesdays, so I can take calls easier. Yeah. That'll be fine.\n\nYep. Yeah. That will work. Yep. Yep.\n\nAlright. That'd be good. Okeydokey. Sounds good. No.\n\nNo. That's all good. Thanks for explaining everything. You too. Thanks very much.\n\nSee you. 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couldn't tell you exactly, but probably, I don't know, another nine months or so.","start":861.9,"end":870.16003,"sentiment":"neutral","sentiment_score":-0.05299753062427044},{"text":"Yeah.","start":876.555,"end":877.055,"sentiment":"neutral","sentiment_score":0.03326638787984848},{"text":"Well, I have been using the nicotine gum, so I don't know if that's Okay.","start":880.155,"end":891.19995,"sentiment":"neutral","sentiment_score":-0.1213011418779691},{"text":"Well, I'll try for today then.","start":891.19995,"end":894.18,"sentiment":"neutral","sentiment_score":0.14270962898929915},{"text":"Yep.","start":898.8,"end":899.3,"sentiment":"neutral","sentiment_score":0.023632748052477837}],"sentiment":"neutral","sentiment_score":-0.044771662570144,"num_words":38,"start":861.9,"end":899.3},{"sentences":[{"text":"Yep.","start":910.535,"end":911.035,"sentiment":"neutral","sentiment_score":0.14629094302654266},{"text":"Yeah.","start":933.825,"end":934.065,"sentiment":"neutral","sentiment_score":0.05512240529060364},{"text":"Yeah.","start":934.065,"end":934.565,"sentiment":"neutral","sentiment_score":0.16363227367401123},{"text":"Yep.","start":1008.86,"end":1009.36,"sentiment":"neutral","sentiment_score":0.05882430821657181},{"text":"Yeah.","start":1063.44,"end":1063.9199,"sentiment":"neutral","sentiment_score":0.10223032534122468}],"sentiment":"neutral","sentiment_score":0.1052200511097908,"num_words":5,"start":910.535,"end":1063.9199},{"sentences":[{"text":"Yep.","start":1063.9199,"end":1064.4199,"sentiment":"neutral","sentiment_score":0.0901726335287094},{"text":"All good.","start":1064.7999,"end":1065.5399,"sentiment":"positive","sentiment_score":0.35171743482351303},{"text":"Yeah.","start":1103.6749,"end":1104.1749,"sentiment":"neutral","sentiment_score":0.030868029221892357},{"text":"Yeah.","start":1107.195,"end":1107.695,"sentiment":"neutral","sentiment_score":0.038335755467414856},{"text":"I've done it before.","start":1116.74,"end":1117.96,"sentiment":"neutral","sentiment_score":0.053829772397875786}],"sentiment":"neutral","sentiment_score":0.11979226416183843,"num_words":9,"start":1063.9199,"end":1117.96},{"sentences":[{"text":"No.","start":1145.69,"end":1146.01,"sentiment":"neutral","sentiment_score":-0.02093244157731533},{"text":"It will be, yeah, it will be the office people.","start":1146.01,"end":1149.7899,"sentiment":"neutral","sentiment_score":0.079222397133708},{"text":"That's all good.","start":1150.4099,"end":1151.3099,"sentiment":"positive","sentiment_score":0.49337531129519147},{"text":"Yep.","start":1203.04,"end":1203.54,"sentiment":"neutral","sentiment_score":0.24165897071361545},{"text":"Yep.","start":1220.3351,"end":1220.8351,"sentiment":"neutral","sentiment_score":0.14375823736190796}],"sentiment":"neutral","sentiment_score":0.1648021669825539,"num_words":16,"start":1145.69,"end":1220.8351},{"sentences":[{"text":"Yeah.","start":1247.735,"end":1247.975,"sentiment":"neutral","sentiment_score":0.2210872620344162},{"text":"I can.","start":1247.975,"end":1248.4551,"sentiment":"neutral","sentiment_score":0.28477758169174194},{"text":"Yeah.","start":1248.4551,"end":1248.9551,"sentiment":"neutral","sentiment_score":0.2161147743463516},{"text":"Yeah.","start":1267.345,"end":1267.845,"sentiment":"neutral","sentiment_score":0.23060783743858335},{"text":"Yeah.","start":1289.72,"end":1289.96,"sentiment":"neutral","sentiment_score":0.039433155208826065}],"sentiment":"neutral","sentiment_score":0.21279969873527685,"num_words":6,"start":1247.735,"end":1289.96},{"sentences":[{"text":"Okay.","start":1289.96,"end":1290.46,"sentiment":"neutral","sentiment_score":0.09808696061372756},{"text":"I've actually got I've got a wheel on the bench at home that my mom just gave me to fill out, so I'll get on to that.","start":1325.865,"end":1334.6849,"sentiment":"neutral","sentiment_score":0.11838490019241969},{"text":"Yeah.","start":1338.6,"end":1339.1,"sentiment":"neutral","sentiment_score":0.09327295422554016},{"text":"Yep.","start":1351.295,"end":1351.795,"sentiment":"neutral","sentiment_score":0.10789140313863754},{"text":"Yep.","start":1384.985,"end":1385.485,"sentiment":"neutral","sentiment_score":0.14906269311904907}],"sentiment":"neutral","sentiment_score":0.11757117149329954,"num_words":31,"start":1289.96,"end":1385.485},{"sentences":[{"text":"Yep.","start":1397.5499,"end":1398.0499,"sentiment":"neutral","sentiment_score":0.24687103927135468},{"text":"No.","start":1427.1901,"end":1427.67,"sentiment":"negative","sentiment_score":-0.5301604270935059},{"text":"I've got it.","start":1427.67,"end":1428.39,"sentiment":"negative","sentiment_score":-0.6403479178746542},{"text":"It's cancer.","start":1428.39,"end":1429.13,"sentiment":"negative","sentiment_score":-0.6839806735515594},{"text":"I'll just I'll just check now.","start":1429.91,"end":1432.39,"sentiment":"neutral","sentiment_score":0.08036247019966443}],"sentiment":"neutral","sentiment_score":-0.23770151287317276,"num_words":13,"start":1397.5499,"end":1432.39},{"sentences":[{"text":"It's from yep.","start":1432.39,"end":1434.01,"sentiment":"neutral","sentiment_score":0.057129944364229836},{"text":"Okay.","start":1434.945,"end":1435.445,"sentiment":"neutral","sentiment_score":0.14273276925086975},{"text":"Larissa.","start":1436.135,"end":1436.385,"sentiment":"neutral","sentiment_score":0.167802095413208},{"text":"All good.","start":1436.385,"end":1437.0449,"sentiment":"positive","sentiment_score":0.39869295060634613},{"text":"Yep.","start":1457.69,"end":1458.19,"sentiment":"neutral","sentiment_score":0.02905699424445629}],"sentiment":"neutral","sentiment_score":0.16354594915173948,"num_words":8,"start":1432.39,"end":1458.19},{"sentences":[{"text":"Probably a Tuesday would be better.","start":1467.495,"end":1469.835,"sentiment":"neutral","sentiment_score":-0.056607398514946304},{"text":"Yeah.","start":1471.895,"end":1472.135,"sentiment":"neutral","sentiment_score":0.00969241000711918},{"text":"I just don't visit as many customers and stuff on Tuesdays, so I can take calls easier.","start":1472.135,"end":1480.32,"sentiment":"neutral","sentiment_score":-0.047247541520525425},{"text":"Yeah.","start":1485.9,"end":1486.3,"sentiment":"neutral","sentiment_score":0.09505541622638702},{"text":"That'll be fine.","start":1486.3,"end":1487.1,"sentiment":"neutral","sentiment_score":0.16712658603986105}],"sentiment":"neutral","sentiment_score":-0.019168750449482883,"num_words":28,"start":1467.495,"end":1487.1},{"sentences":[{"text":"Yep.","start":1487.1,"end":1487.6,"sentiment":"neutral","sentiment_score":0.10315082967281342},{"text":"Yeah.","start":1492.8049,"end":1493.205,"sentiment":"neutral","sentiment_score":0.1440545916557312},{"text":"That will work.","start":1493.205,"end":1494.085,"sentiment":"neutral","sentiment_score":0.18402241667111716},{"text":"Yep.","start":1494.085,"end":1494.585,"sentiment":"neutral","sentiment_score":0.10391514003276824},{"text":"Yep.","start":1511.78,"end":1512.1799,"sentiment":"neutral","sentiment_score":0.1222030371427536}],"sentiment":"neutral","sentiment_score":0.1464844069310597,"num_words":7,"start":1487.1,"end":1512.1799},{"sentences":[{"text":"Alright.","start":1512.1799,"end":1512.5,"sentiment":"neutral","sentiment_score":0.22198280692100525},{"text":"That'd be good.","start":1512.5,"end":1513.4,"sentiment":"positive","sentiment_score":0.3391299744447072},{"text":"Okeydokey.","start":1522.5549,"end":1523.0549,"sentiment":"neutral","sentiment_score":0.22522816061973572},{"text":"Sounds good.","start":1523.355,"end":1524.1749,"sentiment":"positive","sentiment_score":0.7182288765907288},{"text":"No.","start":1527.6749,"end":1527.995,"sentiment":"neutral","sentiment_score":-0.05475341156125069}],"sentiment":"positive","sentiment_score":0.3557881540618837,"num_words":8,"start":1512.1799,"end":1527.995},{"sentences":[{"text":"No.","start":1527.995,"end":1528.235,"sentiment":"neutral","sentiment_score":-0.05374734103679657},{"text":"That's all good.","start":1528.235,"end":1528.955,"sentiment":"positive","sentiment_score":0.45717329780260724},{"text":"Thanks for explaining everything.","start":1528.955,"end":1530.6549,"sentiment":"positive","sentiment_score":0.7600690573453903},{"text":"You too.","start":1537.18,"end":1537.66,"sentiment":"positive","sentiment_score":0.574445903301239},{"text":"Thanks very much.","start":1537.66,"end":1538.7201,"sentiment":"positive","sentiment_score":0.8027613759040833}],"sentiment":"positive","sentiment_score":0.6088634396974857,"num_words":13,"start":1527.995,"end":1538.7201},{"sentences":[{"text":"See you.","start":1540.4601,"end":1541.18,"sentiment":"positive","sentiment_score":0.35849523544311523},{"text":"Bye.","start":1541.18,"end":1541.68,"sentiment":"neutral","sentiment_score":-0.11421352624893188}],"sentiment":"neutral","sentiment_score":0.20092564821243286,"num_words":3,"start":1540.4601,"end":1541.68}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Wade speaking.\n\nChannel 0: Good morning, mate. How are you calling?\n\nChannel 1: Pretty good. How are you?\n\nChannel 0: Yeah. Really good. Thank you. How's the rest of your day?\n\nChannel 1: Yeah.\n\nChannel 0: Finish up yesterday.\n\nChannel 1: It was pretty busy, to be honest. All good?\n\nChannel 0: That's a bit frustrating.\n\nChannel 1: Sorry. You're breaking up a bit there. I can't really hear you.\n\nChannel 0: Sorry about that. How's that?\n\nChannel 1: Yeah. That's a bit better. Yep.\n\nChannel 0: There we go. I hate when a it's always good when a busy day kind of happens.\n\nChannel 1: Yeah.\n\nChannel 0: It makes things go faster, but at the same time, it's always a little bit frustrating as well to never get a a moment of peace.\n\nChannel 1: All part of it, I suppose.\n\nChannel 0: Definitely is. Now yesterday, I did send you documents just ahead of, like, our call. Did you get a chance at all to read those ones or have a look at them over the afternoon?\n\nChannel 1: I didn't, to be honest, but I can probably have a good look now.\n\nChannel 0: No. That's okay. It sounds like you're driving anyway, so\n\nChannel 1: Yeah.\n\nChannel 0: just safe driving. I'm not too worried. I can just talk you through them and and obviously go through everything. Now I guess before we do jump into it, I do need to let you know, as always, that our calls are recorded. And if I could just get you to confirm security for me, it's full name, date of birth, and address.\n\nChannel 1: Yeah. White Kenneth Chadwick. Ten eighty Princess Auto right now, Moriac, and items of Service ninety three.\n\nChannel 0: Perfect. Alright. So the advice, you you originally spoke with Tommy. Tommy's been sick for the last couple of days. So I'm the head of advice, and I've I wanted to make sure we obviously kept this appointment and kept kept things moving.\n\nSo I wanted to go through his advice document with you just to explain what what the the advice basically details. So the advice considers, like, your superannuation in the goal that you're aiming to retire at 65 and that you're wanting to get an income of, like, $1,500 a week. Now it's still a few years away before we're hitting that age, but we still wanna make sure that we're on track for that. Now addition to that, it does bring your insurance into scope. So looking at your insurance policies for personal insurance and making sure that that is adequately in place to cover yourself in the event that something were to happen to you, being able to work.\n\nAnd then additional to that, Tommy has provided some advice and guidance on, like, estate planning. Because your superannuation and your insurances do cover estate, they are ultimately potentially a state asset. It's always good to just have that direction on on a state planning as well. Now with that, the advice comes down to sort of, I guess, three main areas or three main strategies. One strategy is is your superannuation.\n\nSo it's very focused on your investments within your hub twenty four fund. Just giving them a bit of a a refresh. I'm keeping you in line with the current risk allocation. So, currently, your super sitting in, like, an eighty twenty split. So about 80% invest in the market, 20% being in a conservative position.\n\nAnd what Tommy recommend is that we just refer that you currently hold. So get rid of all the holds that you currently have in your portfolio and put that up, like yeah.\n\nChannel 1: I I can't really hear you, sir. You're really breaking up.\n\nChannel 0: Really?\n\nChannel 1: Yeah. It's coming and going. Like, that's fine now, but probably the last twenty seconds there, I didn't really hear. It was very robotic sort of.\n\nChannel 0: Oh, really? I'm sorry about that. Let me repeat myself.\n\nChannel 1: Yeah. Sorry.\n\nChannel 0: So the advice for the superannuation is very investment based. So it it is in relation to the actual underlying holdings within the portfolio. So the recommendation details basically getting out of four of the current holdings. One of them being, like, a an Australian equities fund, one of them being a tech based asset, another being a banking hybrid, and the last one being, like, Australian property. Completely removing those from your assets and no longer holding\n\nChannel 1: Yep.\n\nChannel 0: them and then purchasing into five other holdings to just diversify your holdings a little bit more. And, additionally, we'll also have to bring down the overall cost of the actual operation of your fund because the investment fee on some of those assets that you currently hold is a little bit elevated. It's a little bit high.\n\nChannel 1: Yep.\n\nChannel 0: So pulling in some lower cost, they're called ETFs, exchange trade funds. So there's just a lower cost, more diversified holding that's gonna give you a a not only a cheaper investment, but also, actually, a better historical growth return as well. So Tommy's recommended that we just make a bit of a change. You'll be able to just have a look at the change when you obviously look at the document. You can see it on page 16 of the statement of advice, where your funds are currently held and where they're gonna move over to.\n\nSo it\n\nChannel 1: Yeah.\n\nChannel 0: gives you a good outline as to what we're aiming to hold overall.\n\nChannel 1: Okay.\n\nChannel 0: Cool. So that's that's the advice for the superannuation fund is, obviously, like, we're gonna keep the hub twenty four operational, but just to do a bit of a change to the actual underlying assets and do a bit of a refresh to the account.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: It's gonna put you on a a much better track for for retirement even though retirement's still eighteen years away. It it just has a better outlook because of the lower cost, better historical return rate. It it just gives you a better position overall to to achieve that $1,500 a week income come your retirement.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Perfect. Now secondarily to that, one of the things that Tom recommended was that we actually start salary sacrificing.\n\nChannel 1: Yeah.\n\nChannel 0: When you spoke with him, you guys discussed basically an allowance of about a $100 a week that you were willing to forego and utilize towards, like, either investing or, you know, insurance and stuff like that. Now\n\nChannel 1: Yeah.\n\nChannel 0: Tommy recommended that we actually salary sacrifice $75 per week. So that'll be $75 out of your gross income that will go towards\n\nChannel 1: Yep.\n\nChannel 0: your superannuation fund. So\n\nChannel 1: Yep.\n\nChannel 0: you're not gonna feel $75 a week come out of your net income because that $75 is before you get taxed.\n\nChannel 1: Yes.\n\nChannel 0: Cool. So what what Tommy's recommended is that we we implement that $75 per week. And then with the remainder of the that $100, we actually look at targeting that towards an insurance product. So,\n\nChannel 1: Yep.\n\nChannel 0: currently, with respect to insurance I just wanna pull up let me just go. So currently, with respect to insurance sorry. I lost my you don't have any cover in place. But what what Tommy wants to do and what we wanna ultimately put in place for you to achieve that goal, making sure that the family is gonna be looked after, making sure that you're looked after, really, is get an insurance policy in place. Now I know that for yourself, the biggest, I guess, the thing that you wanted most was the disability cover.\n\nThat you weren't really chasing, like, life insurance or anything like that. It was really coming down to, like, the total and permanent disability, the income protection cover, stuff like that to keep you protected. Now\n\nChannel 1: Yeah.\n\nChannel 0: I look at, like, children permanent disability insurance. Ultimately, when we look over the TPD insurance, it came out more expensive to hold just total and permanent disability without connecting it to a life insurance policy. So Tommy actually\n\nChannel 1: Yeah.\n\nChannel 0: recommended\n\nChannel 1: I could.\n\nChannel 0: to link the TPD to a life policy because it became\n\nChannel 1: Yep.\n\nChannel 0: cheaper overall.\n\nChannel 1: Yep.\n\nChannel 0: So he's recommended a million dollars worth of, like, total permanent disability with a life insurance basically attached to it to help bring down that that that cost.\n\nChannel 1: Yeah.\n\nChannel 0: Now additional to that, to replace your income, so TPD is there if you are never able to work again. It's a lump sum benefit that helps you to, you know, pay off the debts to to live\n\nChannel 1: Yeah.\n\nChannel 0: securely in the event that you were never working. Whereas your income protection is basically a short term monthly benefit that's payable in the event you're ill ill or injured. So it's kind of\n\nChannel 1: Yeah.\n\nChannel 0: that middle ground between when you fall off work and unable to work and while, like, a TPD claim is being assessed. Because TPD claims can take months to, you know, twelve months to twenty four months. So, like, two years is generally how long I see TPD claims unless it's a massive mess of those. So that income protection policy, Tommy's recommended five years. So it's gonna enable you to get five years worth of monthly benefit paid to you, you know, until you're either able to return to work or claim TBD.\n\nChannel 1: Yeah.\n\nChannel 0: So that that's the recommendation for for that policy. Now that's gonna be paid by your super funds. So that's where that $75 worth of salary sacrifice comes in into play to offset the premiums that'll be paid from your super fund. The premiums for that\n\nChannel 1: Yep.\n\nChannel 0: are $2,821 a year, and that'll come out of your fund.\n\nChannel 1: Okay.\n\nChannel 0: Now secondarily to that, Tommy's recommended a trauma policy. Now the trauma policy covers the diagnosis of your medical majors. So with trauma, like, basically, heart attack, cancer, stroke, neurological conditions like your muscular dystrophy, Huntington's, Parkinson's, diabetes, upon the diagnosis of, the benefit is releasable to you or payable to you. Trauma policies generally pay out within a couple of weeks, providing you obviously submit documentation, and once there's no delay there, they pay out really quickly versus the life TPD IP can take a month or two to generally make assessments on those on those policies. Trauma is very, very quick to pay out.\n\nThe recommendation is for a $100,000 that we'd payable to you. And and, again, he's attached to a a life a life policy to it, and that life policy just makes the premium cheaper. It sounds really\n\nChannel 1: Yep.\n\nChannel 0: counterintuitive, but it's the way that insurers work that when you have a life policy attached to it, it just makes a premium overall cheaper than if you were to have two standalone benefits of the same value. What it also means is that because you're paying for that trauma policy out of pocket, so that trauma policy would be paid out of pocket with that sort of remainder of that $100, that that policy will enable you in the event that you were to pass away. There's a on the life policy, there is a funeral advancement. So if anything were to happen to you, that that life policy can actually pay a funeral advancement out to enable funeral costs to be covered,\n\nChannel 1: Yep. Okay.\n\nChannel 0: which is good on that front. Obviously, not a policy we ever wanna claim on, but it's there in the event that something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: Now at the moment, while you are quitting, because I know that you are aiming to quit smoking, until you are 12 consecutive nonsmoking, there are\n\nChannel 1: Yeah.\n\nChannel 0: smokers rates applied. Once you're twelve months\n\nChannel 1: Yeah.\n\nChannel 0: nonsmoking, we will be able to apply to the insurer. It's a really short application to get nonsmoking rate. So we we can revert to a cheaper rate, which will be great. It'll run the premium down on both the policies. Now can I I I wanna confirm with you while we're obviously having this conversation, because what I'll do is I'll put it in our our calendar to make sure that we contact you at the twelve month mark?\n\nWhen would your twelve months be?\n\nChannel 1: I couldn't tell you exactly, but probably, I don't know, another nine months or so.\n\nChannel 0: Yep. And I need to confirm, is that off all cigarettes, vapes, nicotine gum,\n\nChannel 1: Yeah.\n\nChannel 0: patches, replacement products?\n\nChannel 1: Well, I have been using the nicotine gum, so\n\nChannel 0: So\n\nChannel 1: I don't\n\nChannel 0: it\n\nChannel 1: know\n\nChannel 0: has\n\nChannel 1: if\n\nChannel 0: to\n\nChannel 1: that's\n\nChannel 0: be off it has to be off all replacement products, nicotine gum as well.\n\nChannel 1: Okay. Well, I'll try for today then.\n\nChannel 0: Today's the best any day. No.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. Well, what what I'll do is I'll I'll pop it in the calendar to basically twelve months time. We'll touch base with you at the beginning of next year, and we can get that removed and get that reduced, which will be fantastic.\n\nChannel 1: Yep.\n\nChannel 0: So with with the insurance policy, it's obviously there to make sure that we're covering out the nearly half 1,000,000 debt. It covers any home renovations that need to happen under the TPD cover. You know? Because if you're totally impairment disabled, you know, need to make sure that you have the capacity to either have a vehicle or home modifications that\n\nChannel 1: Yeah.\n\nChannel 0: allow\n\nChannel 1: Yeah.\n\nChannel 0: you to live comfortably. It replaces your cost of living each year over the next eighteen years until you hit that retirement age you were looking for, and that's how we got to that million dollars worth of need for that for that cover. With with that, what what we would wanna look at doing is getting, like, the so Zurich to ensure that works best for your occupation, your dem it's like your demographic as a whole. So when when we look at insurance, we look at tailoring insurance, we look at multiple insurers, and and we wanna make sure that we're obviously tailoring the product to best suit you from a premium speech perspective. Zurich does that.\n\nNot only not only did with your income protection policy, it's thirty day waiting period, but most insurers actually pay income protection at the end of the first month. So with your your policy, that would generally see that you wouldn't get your first monthly payment until day 60 of you being off work. Zurich actually do a day fifteen payment. So it means that you would only be basically four to five days off work before you receive your first month's payment.\n\nChannel 1: Yep.\n\nChannel 0: Paid. It's definitely based on the service, like, the service period that you have to be off work before the policy kicks in. They also have a really great partial benefit. So if you're, you know, partially incapacitated from your job and you, you know, you serve seven out of twelve days off work, you can actually go through a partial claim benefit as well. So there's a lot of good features with the products that enable you to have claims where other products may not enable you to have claims.\n\nAnd, you know, it's obviously really important to make sure that you have, you know, continuation of income being that, you know, your income is the sole income to keep you sustained. There's no other, you know, income resources coming in, so we wanna make sure that that's all all covered on that side. Does that all make sense, and and are you following so\n\nChannel 1: Yeah. Yep.\n\nChannel 0: far?\n\nChannel 1: All\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Cool. So with with the the insurance, what we would need to do is go through an insurance application. So what I would schedule in with you is for one of my team to reach out to you and go through the application where you would disclose your medical and health history, family history. That would get issued to Zurich. Zurich would basically then assess you as an individual person to ensure that overall, you know, they have to take on the risk of your policy.\n\nThat means the company has a lot easier for a process. We could already disclose any previous health concerns. And, you know, not trying to dig through\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: process get through that, but my team will, you know, walk you through that to make it as possible. You can,\n\nChannel 1: I've\n\nChannel 0: you know,\n\nChannel 1: done\n\nChannel 0: join\n\nChannel 1: it before.\n\nChannel 0: your way to work. Yeah. Perfect. So that's basically, like, the crux of the, like, main advice is, like, superannuation, you know, change the investment, salary sacrifice arrangement, and then we'll send you a letter to your employer to sign the payments. I know you're the account manager, so that just speak to making that alteration.\n\nChannel 1: No. It will be, yeah, it will be the office people.\n\nChannel 0: Yeah.\n\nChannel 1: That's all\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: and then and then we do insurance that patient. Aside from that, the one thing we wanna wanna look at being done is just some state planning. Currently, with your, like, with your superannuation with the insurance policy as well, there's no one that that, you know, you've identified or that we can identify that would suitably and, like, be a beneficiary that's valid. And the reason for that is that superannuation legislation has very, very finite allowances for who can be, like, nominated. So it has to be, like, a spouse, a child, or a financial dependent.\n\nSo very, very limited definitions allowable. A will, like, a last will and testament,\n\nChannel 1: Yep.\n\nChannel 0: will enable you to nominate whomever you actually want. So whether that's the neighbor that you've had for twenty years or your best mate, you can nominate them and have autonomy over who and where you want your money to go irrespective of any other, you know, requirements. So for that,\n\nChannel 1: Yep.\n\nChannel 0: what we would do is your superannuation and your insurance policy would actually become part of your estate, which means that upon your death, both of those, you know, benefits or any money that's left within those those funds would be paid through to your estate, so your will, and your will would be the deciding document as to where that money is going to be sent to. So whether you wanted to donate to Carrie for argument's sake, then you could\n\nChannel 1: Yeah. I\n\nChannel 0: nominate\n\nChannel 1: can. Yeah.\n\nChannel 0: that within your will. So it's definitely important to make sure that we do make that nomination just purely and simply because it is a bit of money that we're dealing with and that if anything does happen, you know, you have the decision to make You have the right to make the decision on where that money goes and who receives it. Ultimately,\n\nChannel 1: Yeah.\n\nChannel 0: you can make the decision to not have a will. It just means that if there's anyone that you don't like, they may be able to get their hands on the money depending on your complexity and a current point of view.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously,\n\nChannel 1: Okay.\n\nChannel 0: from an expense, there are alternatives that are available. There are online services such as WILED and other services like that. There are also services that you can access such as the public trustee. The public trustee actually has services that are available. You should book in with them and get, like, a will and power of attorney drawn up with them for free.\n\nGenerally, they have, like, three to six month wait time to get that done, but that's something that is available as well that you you may be able to access. So there's\n\nChannel 1: I've\n\nChannel 0: plenty\n\nChannel 1: actually\n\nChannel 0: of\n\nChannel 1: got I've got a wheel on the bench at home that my mom just gave me to fill out, so I'll get on to that.\n\nChannel 0: Yeah. Yeah. I was gonna say and there's, like, will kits and stuff like that. So,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, definitely, something like that. Just follow the kit's instructions, making sure to complete it, have it witnessed properly. Every page needs to be witnessed by the same people. It means that, basically,\n\nChannel 1: Yep.\n\nChannel 0: there's three of you that stand in the circle and you complete you know, you would sign and they would sign the pages as you go through. So, yeah, that's absolutely. That's what we can do. I just had to send it to your data who will be nominated and then keep the keep the renewal in your location. But, absolutely, you can execute one independently.\n\nSo,\n\nChannel 1: Yep.\n\nChannel 0: yeah, that's that's basically the advice as a whole. If you are happy with the advice and you wanna proceed, you've already got the documents that I issued to you yesterday. So\n\nChannel 1: Yep.\n\nChannel 0: you're able to go through and have a look at them. It's just it's a few financial statement of advice. It may have found its way to your junk folder because you've never received an email from this system before. We've moved over to a new, like, CRM system, and it just capacity to be able to send you signed documents and have them load straight back to your file at the same time. So it may have found its way to your junk folder, but\n\nChannel 1: No. I've got it. It's cancer. I'll\n\nChannel 0: oh,\n\nChannel 1: just\n\nChannel 0: perfect.\n\nChannel 1: I'll just check now. It's from yep. Okay. Larissa. All good.\n\nChannel 0: Yeah. Yeah. Oh, cool. It comes through with my name. That's cool.\n\nSo so yeah. So take your time. Have a look over the documents. And then if you have any questions, you can definitely give us a call. But, otherwise, it's pretty straightforward.\n\nAnd as soon as you sign them, we will get everything start like, started implementing. I guess the only\n\nChannel 1: Yep.\n\nChannel 0: question I really have for you is, I guess, best time available that I can get my team to reach out and go through that insurance\n\nChannel 1: Probably a Tuesday would be better.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I just don't visit as many customers and stuff on Tuesdays, so I can take calls easier.\n\nChannel 0: Absolutely. Yeah. Alright. Like, a Tuesday morning before, like, the day really starts kicking in?\n\nChannel 1: Yeah. That'll be fine. Yep.\n\nChannel 0: Yeah. Because, like, theoretically, I can do as early as, like, 09:00 your time.\n\nChannel 1: Yeah. That will work. Yep.\n\nChannel 0: Yeah. Okay. Well, what I'll do is I'll tentatively put it I'll get in for, say, next Tuesday at 9AM all time. And then if we haven't received the signed documents back, we'll just touch base with you at that time, and we can always reschedule just in case you haven't had a chance to read and sign them over the weekend.\n\nChannel 1: Yep. Alright. That'd be good.\n\nChannel 0: No. Perfect. I'll book that in, and it'll be that gives you a call. He's my insurance go to, so he'll give you a call on Tuesday.\n\nChannel 1: Okeydokey. Sounds good.\n\nChannel 0: Perfect. Were there any questions at all, Wade?\n\nChannel 1: No. No. That's all good. Thanks for explaining everything.\n\nChannel 0: Absolutely. My pleasure. I'll speak to you next Tuesday. Have a great rest of your day, and have a great weekend.\n\nChannel 1: You too. Thanks very much.\n\nChannel 0: Bye. Bye.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.68,"end":1.92,"sentiment":"neutral","sentiment_score":0.053431615233421326},{"text":"Wade speaking.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.05325667932629585}],"sentiment":"neutral","sentiment_score":0.05331499129533768,"channel":1,"num_words":3,"start":1.68,"end":2.74},{"sentences":[{"text":"Good morning, mate.","start":4.24,"end":5.68,"sentiment":"positive","sentiment_score":0.44831398129463196},{"text":"How are you calling?","start":5.68,"end":6.58,"sentiment":"positive","sentiment_score":0.34957829117774963}],"sentiment":"positive","sentiment_score":0.3918935869421278,"channel":0,"num_words":7,"start":4.24,"end":6.58},{"sentences":[{"text":"Pretty good.","start":7.2,"end":7.8399997,"sentiment":"positive","sentiment_score":0.6609062254428864},{"text":"How are you?","start":7.8399997,"end":8.74,"sentiment":"positive","sentiment_score":0.4264076252778371}],"sentiment":"positive","sentiment_score":0.5202070653438569,"channel":1,"num_words":5,"start":7.2,"end":8.74},{"sentences":[{"text":"Yeah.","start":10.4,"end":10.8,"sentiment":"positive","sentiment_score":0.46386075019836426},{"text":"Really good.","start":10.8,"end":11.36,"sentiment":"positive","sentiment_score":0.6918658018112183},{"text":"Thank you.","start":11.36,"end":11.759999,"sentiment":"positive","sentiment_score":0.6803138256072998},{"text":"How's the rest of your day?","start":11.759999,"end":12.719999,"sentiment":"positive","sentiment_score":0.4081198076407115}],"sentiment":"positive","sentiment_score":0.5142671682617881,"channel":0,"num_words":11,"start":10.4,"end":12.719999},{"sentences":[{"text":"Yeah.","start":12.625,"end":13.125,"sentiment":"neutral","sentiment_score":0.08758293092250824}],"sentiment":"neutral","sentiment_score":0.08758293092250824,"channel":1,"num_words":1,"start":12.625,"end":13.125},{"sentences":[{"text":"Finish up yesterday.","start":12.719999,"end":13.62,"sentiment":"neutral","sentiment_score":0.053840926537911095}],"sentiment":"neutral","sentiment_score":0.053840926537911095,"channel":0,"num_words":3,"start":12.719999,"end":13.62},{"sentences":[{"text":"It was pretty busy, to be honest.","start":14.545,"end":16.565,"sentiment":"neutral","sentiment_score":-0.21422811704022543},{"text":"All good?","start":18.465,"end":19.365,"sentiment":"neutral","sentiment_score":0.06586576253175735}],"sentiment":"neutral","sentiment_score":-0.15198503269089592,"channel":1,"num_words":9,"start":14.545,"end":19.365},{"sentences":[{"text":"That's a bit frustrating.","start":19.035,"end":21.215,"sentiment":"negative","sentiment_score":-0.5558048039674759}],"sentiment":"negative","sentiment_score":-0.5558048039674759,"channel":0,"num_words":4,"start":19.035,"end":21.215},{"sentences":[{"text":"Sorry.","start":26.96,"end":27.279999,"sentiment":"negative","sentiment_score":-0.44977617263793945},{"text":"You're breaking up a bit there.","start":27.279999,"end":28.4,"sentiment":"negative","sentiment_score":-0.38107172151406604},{"text":"I can't really hear you.","start":28.4,"end":29.86,"sentiment":"neutral","sentiment_score":-0.33160519003868105}],"sentiment":"negative","sentiment_score":-0.3661860376596451,"channel":1,"num_words":12,"start":26.96,"end":29.86},{"sentences":[{"text":"Sorry about that.","start":31.97,"end":32.61,"sentiment":"neutral","sentiment_score":-0.27416571974754333},{"text":"How's that?","start":32.61,"end":33.43,"sentiment":"neutral","sentiment_score":-0.09690624475479126}],"sentiment":"neutral","sentiment_score":-0.2032619297504425,"channel":0,"num_words":5,"start":31.97,"end":33.43},{"sentences":[{"text":"Yeah.","start":33.76,"end":34.0,"sentiment":"neutral","sentiment_score":0.015051715075969696},{"text":"That's a bit better.","start":34.0,"end":34.96,"sentiment":"neutral","sentiment_score":0.04593103192746639},{"text":"Yep.","start":34.96,"end":35.46,"sentiment":"neutral","sentiment_score":0.07837475836277008}],"sentiment":"neutral","sentiment_score":0.04619176685810089,"channel":1,"num_words":6,"start":33.76,"end":35.46},{"sentences":[{"text":"There we go.","start":35.57,"end":36.47,"sentiment":"neutral","sentiment_score":0.08918385207653046},{"text":"I hate when a it's always good when a busy day kind of happens.","start":37.649998,"end":41.01,"sentiment":"neutral","sentiment_score":-0.01977649304483618}],"sentiment":"neutral","sentiment_score":-0.0005481968469479538,"channel":0,"num_words":17,"start":35.57,"end":41.01},{"sentences":[{"text":"Yeah.","start":40.745003,"end":41.245003,"sentiment":"neutral","sentiment_score":0.024846062064170837}],"sentiment":"neutral","sentiment_score":0.024846062064170837,"channel":1,"num_words":1,"start":40.745003,"end":41.245003},{"sentences":[{"text":"It makes things go faster, but at the same time, it's always a little bit frustrating as well to never get a a moment of peace.","start":41.01,"end":48.065,"sentiment":"neutral","sentiment_score":-0.005263127100009184}],"sentiment":"neutral","sentiment_score":-0.005263127100009184,"channel":0,"num_words":26,"start":41.01,"end":48.065},{"sentences":[{"text":"All part of it, I suppose.","start":49.465,"end":50.925003,"sentiment":"neutral","sentiment_score":0.18404926856358847}],"sentiment":"neutral","sentiment_score":0.18404926856358847,"channel":1,"num_words":6,"start":49.465,"end":50.925003},{"sentences":[{"text":"Definitely is.","start":52.125,"end":53.585,"sentiment":"neutral","sentiment_score":0.3301056772470474},{"text":"Now yesterday, I did send you documents just ahead of, like, our call.","start":54.524998,"end":61.34,"sentiment":"neutral","sentiment_score":0.10847556648346093},{"text":"Did you get a chance at all to read those ones or have a look at them over the afternoon?","start":61.34,"end":66.240005,"sentiment":"neutral","sentiment_score":0.07718673087656498}],"sentiment":"neutral","sentiment_score":0.10326080960886819,"channel":0,"num_words":35,"start":52.125,"end":66.240005},{"sentences":[{"text":"I didn't, to be honest, but I can probably have a good look now.","start":67.634995,"end":71.09499,"sentiment":"neutral","sentiment_score":0.0461347582084792}],"sentiment":"neutral","sentiment_score":0.0461347582084792,"channel":1,"num_words":14,"start":67.634995,"end":71.09499},{"sentences":[{"text":"No.","start":71.82,"end":72.14,"sentiment":"neutral","sentiment_score":-0.011620718985795976},{"text":"That's okay.","start":72.14,"end":72.62,"sentiment":"neutral","sentiment_score":0.03721881564706564},{"text":"It sounds like you're driving anyway, so","start":72.62,"end":74.56,"sentiment":"neutral","sentiment_score":0.06149031487958772}],"sentiment":"neutral","sentiment_score":0.049324911646544935,"channel":0,"num_words":10,"start":71.82,"end":74.56},{"sentences":[{"text":"Yeah.","start":74.674995,"end":75.174995,"sentiment":"neutral","sentiment_score":0.11903409659862518}],"sentiment":"neutral","sentiment_score":0.11903409659862518,"channel":1,"num_words":1,"start":74.674995,"end":75.174995},{"sentences":[{"text":"just safe driving.","start":74.700005,"end":76.535,"sentiment":"neutral","sentiment_score":0.14381146927674612},{"text":"I'm not too worried.","start":78.035,"end":79.895004,"sentiment":"neutral","sentiment_score":0.1650436595082283},{"text":"I can just talk you through them and and obviously go through everything.","start":79.955,"end":83.015,"sentiment":"neutral","sentiment_score":0.17389766298807585},{"text":"Now I guess before we do jump into it, I do need to let you know, as always, that our calls are recorded.","start":83.635,"end":88.135,"sentiment":"neutral","sentiment_score":0.06931361572250076},{"text":"And if I could just get you to confirm security for me, it's full name, date of birth, and address.","start":88.78,"end":94.71999,"sentiment":"neutral","sentiment_score":0.05528740677982569}],"sentiment":"neutral","sentiment_score":0.09606730098289157,"channel":0,"num_words":63,"start":74.700005,"end":94.71999},{"sentences":[{"text":"Yeah.","start":96.615,"end":96.935,"sentiment":"neutral","sentiment_score":0.042892731726169586},{"text":"White Kenneth Chadwick.","start":96.935,"end":98.075,"sentiment":"neutral","sentiment_score":0.04446295648813248},{"text":"Ten eighty Princess Auto right now, Moriac, and items of Service ninety three.","start":98.375,"end":102.875,"sentiment":"neutral","sentiment_score":0.06054538574356299}],"sentiment":"neutral","sentiment_score":0.05666891857981682,"channel":1,"num_words":17,"start":96.615,"end":102.875},{"sentences":[{"text":"Perfect.","start":105.645,"end":106.145,"sentiment":"positive","sentiment_score":0.39393505454063416},{"text":"Alright.","start":107.884995,"end":108.384995,"sentiment":"neutral","sentiment_score":0.16075339913368225},{"text":"So the advice, you you originally spoke with Tommy.","start":108.445,"end":111.645,"sentiment":"neutral","sentiment_score":0.05179114184445805},{"text":"Tommy's been sick for the last couple of days.","start":111.645,"end":114.365,"sentiment":"neutral","sentiment_score":-0.1034817389316029},{"text":"So I'm the head of advice, and I've I wanted to make sure we obviously kept this appointment and kept kept things moving.","start":114.365,"end":121.11,"sentiment":"neutral","sentiment_score":0.09580386316646701}],"sentiment":"neutral","sentiment_score":0.05332469610973846,"channel":0,"num_words":43,"start":105.645,"end":121.11},{"sentences":[{"text":"So I wanted to go through his advice document with you just to explain what what the the advice basically details.","start":121.11,"end":129.69,"sentiment":"neutral","sentiment_score":0.08899697484005065},{"text":"So the advice considers, like, your superannuation in the goal that you're aiming to retire at 65 and that you're wanting to get an income of, like, $1,500 a week.","start":130.445,"end":144.385,"sentiment":"neutral","sentiment_score":0.26083513498306277},{"text":"Now it's still a few years away before we're hitting that age, but we still wanna make sure that we're on track for that.","start":145.48999,"end":155.48999,"sentiment":"neutral","sentiment_score":0.26055251869062585},{"text":"Now addition to that, it does bring your insurance into scope.","start":155.48999,"end":159.825,"sentiment":"positive","sentiment_score":0.38165232268246735},{"text":"So looking at your insurance policies for personal insurance and making sure that that is adequately in place to cover yourself in the event that something were to happen to you, being able to work.","start":160.145,"end":174.485,"sentiment":"positive","sentiment_score":0.42580688851220266}],"sentiment":"neutral","sentiment_score":0.2896584100590264,"channel":0,"num_words":121,"start":121.11,"end":174.485},{"sentences":[{"text":"And then additional to that, Tommy has provided some advice and guidance on, like, estate planning.","start":175.66,"end":182.31999,"sentiment":"positive","sentiment_score":0.3611721768975258},{"text":"Because your superannuation and your insurances do cover estate, they are ultimately potentially a state asset.","start":182.45999,"end":190.33499,"sentiment":"positive","sentiment_score":0.36393299512565136},{"text":"It's always good to just have that direction on on a state planning as well.","start":190.715,"end":194.97499,"sentiment":"positive","sentiment_score":0.45674892465273537},{"text":"Now with that, the advice comes down to sort of, I guess, three main areas or three main strategies.","start":195.19499,"end":207.15999,"sentiment":"neutral","sentiment_score":0.1824316472599381},{"text":"One strategy is is your superannuation.","start":208.18,"end":211.07999,"sentiment":"neutral","sentiment_score":0.2909908319513003}],"sentiment":"neutral","sentiment_score":0.32868142933067346,"channel":0,"num_words":72,"start":175.66,"end":211.07999},{"sentences":[{"text":"So it's very focused on your investments within your hub twenty four fund.","start":211.85999,"end":219.74501,"sentiment":"neutral","sentiment_score":0.22550444763440353},{"text":"Just giving them a bit of a a refresh.","start":220.125,"end":222.38501,"sentiment":"neutral","sentiment_score":0.2161792235241996},{"text":"I'm keeping you in line with the current risk allocation.","start":223.085,"end":226.785,"sentiment":"neutral","sentiment_score":0.2183685705065727},{"text":"So, currently, your super sitting in, like, an eighty twenty split.","start":227.16501,"end":231.44,"sentiment":"neutral","sentiment_score":0.11239091882651503},{"text":"So about 80% invest in the market, 20% being in a conservative position.","start":231.82,"end":237.76,"sentiment":"neutral","sentiment_score":0.1457626252220227}],"sentiment":"neutral","sentiment_score":0.18200126376801304,"channel":0,"num_words":56,"start":211.85999,"end":237.76},{"sentences":[{"text":"And what Tommy recommend is that we just refer that you currently hold.","start":238.38,"end":246.395,"sentiment":"neutral","sentiment_score":0.09032784115809661},{"text":"So get rid of all the holds that you currently have in your portfolio and put that up, like yeah.","start":246.615,"end":254.075,"sentiment":"neutral","sentiment_score":-0.16785405427217484}],"sentiment":"neutral","sentiment_score":-0.06614603486024973,"channel":0,"num_words":33,"start":238.38,"end":254.075},{"sentences":[{"text":"I I can't really hear you, sir.","start":254.36,"end":255.88,"sentiment":"negative","sentiment_score":-0.39683364757469725},{"text":"You're really breaking up.","start":255.88,"end":257.34,"sentiment":"negative","sentiment_score":-0.5732410401105881}],"sentiment":"negative","sentiment_score":-0.4609817903150212,"channel":1,"num_words":11,"start":254.36,"end":257.34},{"sentences":[{"text":"Really?","start":257.98,"end":258.48,"sentiment":"negative","sentiment_score":-0.35831835865974426}],"sentiment":"negative","sentiment_score":-0.35831835865974426,"channel":0,"num_words":1,"start":257.98,"end":258.48},{"sentences":[{"text":"Yeah.","start":259.48,"end":259.8,"sentiment":"neutral","sentiment_score":-0.3197615146636963},{"text":"It's coming and going.","start":259.8,"end":260.91998,"sentiment":"negative","sentiment_score":-0.33931418508291245},{"text":"Like, that's fine now, but probably the last twenty seconds there, I didn't really hear.","start":260.91998,"end":266.22,"sentiment":"negative","sentiment_score":-0.36285563309987384},{"text":"It was very robotic sort of.","start":266.84,"end":268.78,"sentiment":"negative","sentiment_score":-0.473142609000206}],"sentiment":"negative","sentiment_score":-0.3830272463651804,"channel":1,"num_words":26,"start":259.48,"end":268.78},{"sentences":[{"text":"Oh, really?","start":269.34,"end":270.16,"sentiment":"neutral","sentiment_score":-0.18962450325489044},{"text":"I'm sorry about that.","start":270.30002,"end":271.42,"sentiment":"neutral","sentiment_score":-0.3151794970035553},{"text":"Let me repeat myself.","start":271.42,"end":272.56,"sentiment":"neutral","sentiment_score":-0.18058782070875168}],"sentiment":"neutral","sentiment_score":-0.23623182773590087,"channel":0,"num_words":10,"start":269.34,"end":272.56},{"sentences":[{"text":"Yeah.","start":273.42502,"end":273.665,"sentiment":"neutral","sentiment_score":-0.08776067197322845},{"text":"Sorry.","start":273.665,"end":274.165,"sentiment":"neutral","sentiment_score":-0.11340562999248505}],"sentiment":"neutral","sentiment_score":-0.10058315098285675,"channel":1,"num_words":2,"start":273.42502,"end":274.165},{"sentences":[{"text":"So the advice for the superannuation is very investment based.","start":276.11502,"end":283.015,"sentiment":"neutral","sentiment_score":-0.006666557677090168},{"text":"So it it is in relation to the actual underlying holdings within the portfolio.","start":283.475,"end":290.51,"sentiment":"neutral","sentiment_score":0.005643725661294801},{"text":"So the recommendation details basically getting out of four of the current holdings.","start":292.17,"end":300.83002,"sentiment":"neutral","sentiment_score":-0.021580560562702324},{"text":"One of them being, like, a an Australian equities fund, one of them being a tech based asset, another being a banking hybrid, and the last one being, like, Australian property.","start":302.11502,"end":315.89502,"sentiment":"neutral","sentiment_score":0.022361484326181874},{"text":"Completely removing those from your assets and no longer holding","start":316.39,"end":321.59,"sentiment":"neutral","sentiment_score":-0.06161847393959761}],"sentiment":"neutral","sentiment_score":-0.0024510183347723423,"channel":0,"num_words":78,"start":276.11502,"end":321.59},{"sentences":[{"text":"Yep.","start":321.37,"end":321.87,"sentiment":"neutral","sentiment_score":0.02436579391360283}],"sentiment":"neutral","sentiment_score":0.02436579391360283,"channel":1,"num_words":1,"start":321.37,"end":321.87},{"sentences":[{"text":"them and then purchasing into five other holdings to just diversify your holdings a little bit more.","start":321.59,"end":331.93002,"sentiment":"neutral","sentiment_score":0.08263027536518433},{"text":"And, additionally, we'll also have to bring down the overall cost of the actual operation of your fund because the investment fee on some of those assets that you currently hold is a little bit elevated.","start":332.335,"end":349.53,"sentiment":"neutral","sentiment_score":0.08055696067296797},{"text":"It's a little bit high.","start":349.67,"end":350.81,"sentiment":"neutral","sentiment_score":-0.03651197478175163}],"sentiment":"neutral","sentiment_score":0.07107250675045211,"channel":0,"num_words":58,"start":321.59,"end":350.81},{"sentences":[{"text":"Yep.","start":351.68,"end":352.18,"sentiment":"neutral","sentiment_score":0.09965334832668304}],"sentiment":"neutral","sentiment_score":0.09965334832668304,"channel":1,"num_words":1,"start":351.68,"end":352.18},{"sentences":[{"text":"So pulling in some lower cost, they're called ETFs, exchange trade funds.","start":351.75,"end":357.77,"sentiment":"neutral","sentiment_score":0.17853359629710516},{"text":"So there's just a lower cost, more diversified holding that's gonna give you a a not only a cheaper investment, but also, actually, a better historical growth return as well.","start":358.23,"end":372.655,"sentiment":"positive","sentiment_score":0.39677704870700836},{"text":"So Tommy's recommended that we just make a bit of a change.","start":376.13,"end":378.85,"sentiment":"neutral","sentiment_score":0.12354195925096671},{"text":"You'll be able to just have a look at the change when you obviously look at the document.","start":378.85,"end":381.65,"sentiment":"neutral","sentiment_score":0.08490936768551667},{"text":"You can see it on page 16 of the statement of advice, where your funds are currently held and where they're gonna move over to.","start":381.65,"end":388.215,"sentiment":"neutral","sentiment_score":0.06612706623971462}],"sentiment":"neutral","sentiment_score":0.19288415878473483,"channel":0,"num_words":97,"start":351.75,"end":388.215},{"sentences":[{"text":"So it","start":388.695,"end":389.01498,"sentiment":"neutral","sentiment_score":0.07986805215477943}],"sentiment":"neutral","sentiment_score":0.07986805215477943,"channel":0,"num_words":2,"start":388.695,"end":389.01498},{"sentences":[{"text":"Yeah.","start":388.965,"end":389.465,"sentiment":"neutral","sentiment_score":0.1456252485513687}],"sentiment":"neutral","sentiment_score":0.1456252485513687,"channel":1,"num_words":1,"start":388.965,"end":389.465},{"sentences":[{"text":"gives you a good outline as to what we're aiming to hold overall.","start":389.01498,"end":393.115,"sentiment":"neutral","sentiment_score":0.22871917256942162}],"sentiment":"neutral","sentiment_score":0.22871917256942162,"channel":0,"num_words":13,"start":389.01498,"end":393.115},{"sentences":[{"text":"Okay.","start":394.08,"end":394.58,"sentiment":"neutral","sentiment_score":0.2363334596157074}],"sentiment":"neutral","sentiment_score":0.2363334596157074,"channel":1,"num_words":1,"start":394.08,"end":394.58},{"sentences":[{"text":"Cool.","start":396.215,"end":396.715,"sentiment":"neutral","sentiment_score":0.32543930411338806},{"text":"So that's that's the advice for the superannuation fund is, obviously, like, we're gonna keep the hub twenty four operational, but just to do a bit of a change to the actual underlying assets and do a bit of a refresh to the account.","start":397.495,"end":411.97,"sentiment":"neutral","sentiment_score":0.12306229854849252}],"sentiment":"neutral","sentiment_score":0.12755956533882354,"channel":0,"num_words":45,"start":396.215,"end":411.97},{"sentences":[{"text":"Yeah.","start":412.815,"end":413.135,"sentiment":"neutral","sentiment_score":0.16286620497703552},{"text":"Okay.","start":413.135,"end":413.635,"sentiment":"neutral","sentiment_score":0.23740869760513303},{"text":"Yep.","start":413.695,"end":414.195,"sentiment":"positive","sentiment_score":0.35846972465515137}],"sentiment":"neutral","sentiment_score":0.2529148757457733,"channel":1,"num_words":3,"start":412.815,"end":414.195},{"sentences":[{"text":"It's gonna put you on a a much better track for for retirement even though retirement's still eighteen years away.","start":415.06998,"end":420.865,"sentiment":"positive","sentiment_score":0.4528458058834076},{"text":"It it just has a better outlook because of the lower cost, better historical return rate.","start":421.965,"end":428.145,"sentiment":"positive","sentiment_score":0.5210258718580008},{"text":"It it just gives you a better position overall to to achieve that $1,500 a week income come your retirement.","start":428.64,"end":436.1,"sentiment":"positive","sentiment_score":0.5506647497415542}],"sentiment":"positive","sentiment_score":0.5072611618254866,"channel":0,"num_words":56,"start":415.06998,"end":436.1},{"sentences":[{"text":"Okay.","start":437.145,"end":437.645,"sentiment":"positive","sentiment_score":0.5189963579177856},{"text":"Sounds good.","start":437.945,"end":438.76498,"sentiment":"positive","sentiment_score":0.7534376978874207}],"sentiment":"positive","sentiment_score":0.675290584564209,"channel":1,"num_words":3,"start":437.145,"end":438.76498},{"sentences":[{"text":"Perfect.","start":438.56,"end":439.06,"sentiment":"neutral","sentiment_score":0.11234550178050996},{"text":"Now secondarily to that, one of the things that Tom recommended was that we actually start salary sacrificing.","start":439.84,"end":448.495,"sentiment":"neutral","sentiment_score":-0.08412011764529678}],"sentiment":"neutral","sentiment_score":-0.0737798218860438,"channel":0,"num_words":19,"start":438.56,"end":448.495},{"sentences":[{"text":"Yeah.","start":449.62,"end":450.12,"sentiment":"neutral","sentiment_score":-0.01943642646074295}],"sentiment":"neutral","sentiment_score":-0.01943642646074295,"channel":1,"num_words":1,"start":449.62,"end":450.12},{"sentences":[{"text":"When you spoke with him, you guys discussed basically an allowance of about a $100 a week that you were willing to forego and utilize towards, like, either investing or, you know, insurance and stuff like that.","start":449.675,"end":464.63998,"sentiment":"neutral","sentiment_score":-0.10452550136156984},{"text":"Now","start":465.09998,"end":465.59998,"sentiment":"neutral","sentiment_score":0.0735245943069458}],"sentiment":"neutral","sentiment_score":-0.09983997252818785,"channel":0,"num_words":38,"start":449.675,"end":465.59998},{"sentences":[{"text":"Yeah.","start":465.715,"end":466.215,"sentiment":"neutral","sentiment_score":0.1521444320678711}],"sentiment":"neutral","sentiment_score":0.1521444320678711,"channel":1,"num_words":1,"start":465.715,"end":466.215},{"sentences":[{"text":"Tommy recommended that we actually salary sacrifice $75 per week.","start":466.38,"end":471.44,"sentiment":"neutral","sentiment_score":0.14521444439888},{"text":"So that'll be $75 out of your gross income that will go towards","start":471.60498,"end":477.125,"sentiment":"neutral","sentiment_score":0.2275970268708009}],"sentiment":"neutral","sentiment_score":0.19177851275257443,"channel":0,"num_words":23,"start":466.38,"end":477.125},{"sentences":[{"text":"Yep.","start":476.8,"end":477.3,"sentiment":"neutral","sentiment_score":0.2693866193294525}],"sentiment":"neutral","sentiment_score":0.2693866193294525,"channel":1,"num_words":1,"start":476.8,"end":477.3},{"sentences":[{"text":"your superannuation fund.","start":477.125,"end":478.665,"sentiment":"neutral","sentiment_score":0.3085348655780156},{"text":"So","start":479.285,"end":479.445,"sentiment":"neutral","sentiment_score":0.0968462899327278}],"sentiment":"neutral","sentiment_score":0.2556127216666937,"channel":0,"num_words":4,"start":477.125,"end":479.445},{"sentences":[{"text":"Yep.","start":479.44,"end":479.94,"sentiment":"neutral","sentiment_score":0.13509511947631836}],"sentiment":"neutral","sentiment_score":0.13509511947631836,"channel":1,"num_words":1,"start":479.44,"end":479.94},{"sentences":[{"text":"you're not gonna feel $75 a week come out of your net income because that $75 is before you get taxed.","start":479.445,"end":486.18,"sentiment":"neutral","sentiment_score":-0.052119605597995576}],"sentiment":"neutral","sentiment_score":-0.052119605597995576,"channel":0,"num_words":21,"start":479.445,"end":486.18},{"sentences":[{"text":"Yes.","start":487.12,"end":487.62,"sentiment":"neutral","sentiment_score":0.31495481729507446}],"sentiment":"neutral","sentiment_score":0.31495481729507446,"channel":1,"num_words":1,"start":487.12,"end":487.62},{"sentences":[{"text":"Cool.","start":488.74,"end":489.24,"sentiment":"positive","sentiment_score":0.44962388277053833},{"text":"So what what Tommy's recommended is that we we implement that $75 per week.","start":489.78,"end":495.96,"sentiment":"positive","sentiment_score":0.40434406272002626},{"text":"And then with the remainder of the that $100, we actually look at targeting that towards an insurance product.","start":496.18,"end":505.475,"sentiment":"neutral","sentiment_score":0.30234412456813614},{"text":"So,","start":506.495,"end":506.995,"sentiment":"neutral","sentiment_score":0.23570330440998075}],"sentiment":"positive","sentiment_score":0.3454480694872992,"channel":0,"num_words":35,"start":488.74,"end":506.995},{"sentences":[{"text":"Yep.","start":506.82,"end":507.32,"sentiment":"neutral","sentiment_score":0.15795934200286865}],"sentiment":"neutral","sentiment_score":0.15795934200286865,"channel":1,"num_words":1,"start":506.82,"end":507.32},{"sentences":[{"text":"currently, with respect to insurance I just wanna pull up let me just go.","start":508.175,"end":518.02997,"sentiment":"neutral","sentiment_score":0.03553398219602449},{"text":"So currently, with respect to insurance sorry.","start":520.88995,"end":523.68994,"sentiment":"neutral","sentiment_score":-0.0553415912602629},{"text":"I lost my you don't have any cover in place.","start":523.68994,"end":526.875,"sentiment":"neutral","sentiment_score":-0.16853704452514648},{"text":"But what what Tommy wants to do and what we wanna ultimately put in place for you to achieve that goal, making sure that the family is gonna be looked after, making sure that you're looked after, really, is get an insurance policy in place.","start":527.195,"end":541.92,"sentiment":"neutral","sentiment_score":0.3180093280143208},{"text":"Now I know that for yourself, the biggest, I guess, the thing that you wanted most was the disability cover.","start":541.92,"end":556.805,"sentiment":"neutral","sentiment_score":-0.03603743948042393}],"sentiment":"neutral","sentiment_score":0.12514984518444786,"channel":0,"num_words":96,"start":508.175,"end":556.805},{"sentences":[{"text":"That you weren't really chasing, like, life insurance or anything like that.","start":557.505,"end":561.90497,"sentiment":"neutral","sentiment_score":-0.0625988154982527},{"text":"It was really coming down to, like, the total and permanent disability, the income protection cover, stuff like that to keep you protected.","start":561.90497,"end":569.445,"sentiment":"neutral","sentiment_score":0.003946355503538381},{"text":"Now","start":570.8,"end":571.3,"sentiment":"neutral","sentiment_score":-0.022246934473514557}],"sentiment":"neutral","sentiment_score":-0.018962959551976785,"channel":0,"num_words":36,"start":557.505,"end":571.3},{"sentences":[{"text":"Yeah.","start":570.94,"end":571.44,"sentiment":"neutral","sentiment_score":-0.022525284439325333}],"sentiment":"neutral","sentiment_score":-0.022525284439325333,"channel":1,"num_words":1,"start":570.94,"end":571.44},{"sentences":[{"text":"I look at, like, children permanent disability insurance.","start":573.83997,"end":577.22,"sentiment":"neutral","sentiment_score":-0.055110540706664324},{"text":"Ultimately, when we look over the TPD insurance, it came out more expensive to hold just total and permanent disability without connecting it to a life insurance policy.","start":577.83997,"end":594.575,"sentiment":"neutral","sentiment_score":-0.17032471485435963},{"text":"So Tommy actually","start":594.71497,"end":595.675,"sentiment":"neutral","sentiment_score":0.03603162616491318}],"sentiment":"neutral","sentiment_score":-0.13081747341232422,"channel":0,"num_words":39,"start":573.83997,"end":595.675},{"sentences":[{"text":"Yeah.","start":595.56,"end":595.8,"sentiment":"neutral","sentiment_score":0.053368546068668365}],"sentiment":"neutral","sentiment_score":0.053368546068668365,"channel":1,"num_words":1,"start":595.56,"end":595.8},{"sentences":[{"text":"recommended","start":595.675,"end":596.15497,"sentiment":"neutral","sentiment_score":0.12050066888332368}],"sentiment":"neutral","sentiment_score":0.12050066888332368,"channel":0,"num_words":1,"start":595.675,"end":596.15497},{"sentences":[{"text":"I could.","start":595.8,"end":596.38,"sentiment":"neutral","sentiment_score":0.09658756107091904}],"sentiment":"neutral","sentiment_score":0.09658756107091904,"channel":1,"num_words":2,"start":595.8,"end":596.38},{"sentences":[{"text":"to link the TPD to a life policy because it became","start":596.15497,"end":599.68,"sentiment":"neutral","sentiment_score":0.11192242259329016}],"sentiment":"neutral","sentiment_score":0.11192242259329016,"channel":0,"num_words":11,"start":596.15497,"end":599.68},{"sentences":[{"text":"Yep.","start":599.4,"end":599.9,"sentiment":"neutral","sentiment_score":0.17851559817790985}],"sentiment":"neutral","sentiment_score":0.17851559817790985,"channel":1,"num_words":1,"start":599.4,"end":599.9},{"sentences":[{"text":"cheaper overall.","start":599.68,"end":600.58,"sentiment":"neutral","sentiment_score":0.15275943279266357}],"sentiment":"neutral","sentiment_score":0.15275943279266357,"channel":0,"num_words":2,"start":599.68,"end":600.58},{"sentences":[{"text":"Yep.","start":600.815,"end":601.315,"sentiment":"neutral","sentiment_score":0.1408735066652298}],"sentiment":"neutral","sentiment_score":0.1408735066652298,"channel":1,"num_words":1,"start":600.815,"end":601.315},{"sentences":[{"text":"So he's recommended a million dollars worth of, like, total permanent disability with a life insurance basically attached to it to help bring down that that that cost.","start":601.12,"end":614.08496,"sentiment":"neutral","sentiment_score":0.18222458554165705}],"sentiment":"neutral","sentiment_score":0.18222458554165705,"channel":0,"num_words":28,"start":601.12,"end":614.08496},{"sentences":[{"text":"Yeah.","start":614.87,"end":615.37,"sentiment":"neutral","sentiment_score":0.0330917164683342}],"sentiment":"neutral","sentiment_score":0.0330917164683342,"channel":1,"num_words":1,"start":614.87,"end":615.37},{"sentences":[{"text":"Now additional to that, to replace your income, so TPD is there if you are never able to work again.","start":615.02496,"end":621.685,"sentiment":"neutral","sentiment_score":0.07651078272610903},{"text":"It's a lump sum benefit that helps you to, you know, pay off the debts to to live","start":621.985,"end":626.70496,"sentiment":"neutral","sentiment_score":0.23159844097163942}],"sentiment":"neutral","sentiment_score":0.14997335768451817,"channel":0,"num_words":38,"start":615.02496,"end":626.70496},{"sentences":[{"text":"Yeah.","start":626.555,"end":627.055,"sentiment":"neutral","sentiment_score":0.16149157285690308}],"sentiment":"neutral","sentiment_score":0.16149157285690308,"channel":1,"num_words":1,"start":626.555,"end":627.055},{"sentences":[{"text":"securely in the event that you were never working.","start":626.70496,"end":629.75,"sentiment":"neutral","sentiment_score":0.16751643849743736},{"text":"Whereas your income protection is basically a short term monthly benefit that's payable in the event you're ill ill or injured.","start":630.77,"end":638.87,"sentiment":"neutral","sentiment_score":0.010056940683474144},{"text":"So it's kind of","start":639.01,"end":639.73,"sentiment":"neutral","sentiment_score":0.014991547912359238}],"sentiment":"neutral","sentiment_score":0.05231793801409795,"channel":0,"num_words":34,"start":626.70496,"end":639.73},{"sentences":[{"text":"Yeah.","start":639.675,"end":640.175,"sentiment":"neutral","sentiment_score":0.004362136125564575}],"sentiment":"neutral","sentiment_score":0.004362136125564575,"channel":1,"num_words":1,"start":639.675,"end":640.175},{"sentences":[{"text":"that middle ground between when you fall off work and unable to work and while, like, a TPD claim is being assessed.","start":639.73,"end":648.005,"sentiment":"neutral","sentiment_score":-0.0397291373969479},{"text":"Because TPD claims can take months to, you know, twelve months to twenty four months.","start":648.005,"end":653.605,"sentiment":"neutral","sentiment_score":-0.05387248074014982},{"text":"So, like, two years is generally how long I see TPD claims unless it's a massive mess of those.","start":653.605,"end":660.69,"sentiment":"neutral","sentiment_score":-0.0856820742942785},{"text":"So that income protection policy, Tommy's recommended five years.","start":662.03,"end":665.25,"sentiment":"neutral","sentiment_score":0.08893526345491409},{"text":"So it's gonna enable you to get five years worth of monthly benefit paid to you, you know, until you're either able to return to work or claim TBD.","start":665.31,"end":676.055,"sentiment":"neutral","sentiment_score":0.1709370263691606}],"sentiment":"neutral","sentiment_score":0.026037271174186086,"channel":0,"num_words":94,"start":639.73,"end":676.055},{"sentences":[{"text":"Yeah.","start":677.10004,"end":677.60004,"sentiment":"neutral","sentiment_score":0.10397349298000336}],"sentiment":"neutral","sentiment_score":0.10397349298000336,"channel":1,"num_words":1,"start":677.10004,"end":677.60004},{"sentences":[{"text":"So that that's the recommendation for for that policy.","start":677.555,"end":681.65497,"sentiment":"neutral","sentiment_score":0.15597168025043276},{"text":"Now that's gonna be paid by your super funds.","start":681.71497,"end":683.91,"sentiment":"neutral","sentiment_score":0.13861298975017336},{"text":"So that's where that $75 worth of salary sacrifice comes in into play to offset the premiums that'll be paid from your super fund.","start":683.99,"end":691.11,"sentiment":"neutral","sentiment_score":0.12818070873618126},{"text":"The premiums for that","start":691.11,"end":692.06995,"sentiment":"neutral","sentiment_score":0.1668124981224537}],"sentiment":"neutral","sentiment_score":0.13901845722094827,"channel":0,"num_words":46,"start":677.555,"end":692.06995},{"sentences":[{"text":"Yep.","start":691.835,"end":692.335,"sentiment":"neutral","sentiment_score":0.11370810866355896}],"sentiment":"neutral","sentiment_score":0.11370810866355896,"channel":1,"num_words":1,"start":691.835,"end":692.335},{"sentences":[{"text":"are $2,821 a year, and that'll come out of your fund.","start":692.06995,"end":698.085,"sentiment":"neutral","sentiment_score":0.1355890320105986}],"sentiment":"neutral","sentiment_score":0.1355890320105986,"channel":0,"num_words":11,"start":692.06995,"end":698.085},{"sentences":[{"text":"Okay.","start":699.32,"end":699.82,"sentiment":"neutral","sentiment_score":0.0417926087975502}],"sentiment":"neutral","sentiment_score":0.0417926087975502,"channel":1,"num_words":1,"start":699.32,"end":699.82},{"sentences":[{"text":"Now secondarily to that, Tommy's recommended a trauma policy.","start":700.805,"end":705.86505,"sentiment":"neutral","sentiment_score":0.03416865588062339},{"text":"Now the trauma policy covers the diagnosis of your medical majors.","start":706.405,"end":712.44,"sentiment":"neutral","sentiment_score":0.0233831275254488},{"text":"So with trauma, like, basically, heart attack, cancer, stroke, neurological conditions like your muscular dystrophy, Huntington's, Parkinson's, diabetes, upon the diagnosis of, the benefit is releasable to you or payable to you.","start":713.56,"end":729.135,"sentiment":"neutral","sentiment_score":0.04559221304953098},{"text":"Trauma policies generally pay out within a couple of weeks, providing you obviously submit documentation, and once there's no delay there, they pay out really quickly versus the life TPD IP can take a month or two to generally make assessments on those on those policies.","start":729.835,"end":745.66003,"sentiment":"neutral","sentiment_score":0.15859619657630505},{"text":"Trauma is very, very quick to pay out.","start":746.52,"end":748.52,"sentiment":"positive","sentiment_score":0.4312181081622839}],"sentiment":"neutral","sentiment_score":0.12046087765187588,"channel":0,"num_words":106,"start":700.805,"end":748.52},{"sentences":[{"text":"The recommendation is for a $100,000 that we'd payable to you.","start":748.52,"end":753.075,"sentiment":"neutral","sentiment_score":0.2841109714724801},{"text":"And and, again, he's attached to a a life a life policy to it, and that life policy just makes the premium cheaper.","start":753.555,"end":761.335,"sentiment":"positive","sentiment_score":0.39682380595932837},{"text":"It sounds really","start":761.715,"end":762.675,"sentiment":"positive","sentiment_score":0.3385273218154907}],"sentiment":"positive","sentiment_score":0.3585878429380623,"channel":0,"num_words":37,"start":748.52,"end":762.675},{"sentences":[{"text":"Yep.","start":762.44,"end":762.94,"sentiment":"positive","sentiment_score":0.4240567684173584}],"sentiment":"positive","sentiment_score":0.4240567684173584,"channel":1,"num_words":1,"start":762.44,"end":762.94},{"sentences":[{"text":"counterintuitive, but it's the way that insurers work that when you have a life policy attached to it, it just makes a premium overall cheaper than if you were to have two standalone benefits of the same value.","start":762.675,"end":774.82,"sentiment":"positive","sentiment_score":0.5176546526582617},{"text":"What it also means is that because you're paying for that trauma policy out of pocket, so that trauma policy would be paid out of pocket with that sort of remainder of that $100, that that policy will enable you in the event that you were to pass away.","start":776.32,"end":793.475,"sentiment":"neutral","sentiment_score":0.31245430376456707},{"text":"There's a on the life policy, there is a funeral advancement.","start":794.15,"end":797.77,"sentiment":"neutral","sentiment_score":0.21709270775318146},{"text":"So if anything were to happen to you, that that life policy can actually pay a funeral advancement out to enable funeral costs to be covered,","start":798.07,"end":806.385,"sentiment":"neutral","sentiment_score":0.30990421170225513}],"sentiment":"positive","sentiment_score":0.3663440885082368,"channel":0,"num_words":124,"start":762.675,"end":806.385},{"sentences":[{"text":"Yep.","start":807.72,"end":808.12,"sentiment":"neutral","sentiment_score":0.2328094244003296},{"text":"Okay.","start":808.12,"end":808.62,"sentiment":"positive","sentiment_score":0.3412107229232788}],"sentiment":"neutral","sentiment_score":0.2870100736618042,"channel":1,"num_words":2,"start":807.72,"end":808.62},{"sentences":[{"text":"which is good on that front.","start":809.585,"end":810.945,"sentiment":"positive","sentiment_score":0.5046190470457077},{"text":"Obviously, not a policy we ever wanna claim on, but it's there in the event that something were to happen.","start":810.945,"end":815.84503,"sentiment":"neutral","sentiment_score":0.12448847368359565}],"sentiment":"neutral","sentiment_score":0.2122109136902369,"channel":0,"num_words":26,"start":809.585,"end":815.84503},{"sentences":[{"text":"Yep.","start":816.68,"end":817.18,"sentiment":"neutral","sentiment_score":0.11853280663490295}],"sentiment":"neutral","sentiment_score":0.11853280663490295,"channel":1,"num_words":1,"start":816.68,"end":817.18},{"sentences":[{"text":"Now at the moment, while you are quitting, because I know that you are aiming to quit smoking, until you are 12 consecutive nonsmoking, there are","start":817.985,"end":829.88,"sentiment":"neutral","sentiment_score":0.075872767286805}],"sentiment":"neutral","sentiment_score":0.075872767286805,"channel":0,"num_words":26,"start":817.985,"end":829.88},{"sentences":[{"text":"Yeah.","start":829.655,"end":830.155,"sentiment":"neutral","sentiment_score":0.05642823502421379}],"sentiment":"neutral","sentiment_score":0.05642823502421379,"channel":1,"num_words":1,"start":829.655,"end":830.155},{"sentences":[{"text":"smokers rates applied.","start":830.42,"end":831.72003,"sentiment":"neutral","sentiment_score":0.05724314600229263},{"text":"Once you're twelve months","start":832.18,"end":833.38,"sentiment":"neutral","sentiment_score":0.06099177896976471}],"sentiment":"neutral","sentiment_score":0.05938522198370525,"channel":0,"num_words":7,"start":830.42,"end":833.38},{"sentences":[{"text":"Yeah.","start":833.09503,"end":833.59503,"sentiment":"neutral","sentiment_score":0.11108340322971344}],"sentiment":"neutral","sentiment_score":0.11108340322971344,"channel":1,"num_words":1,"start":833.09503,"end":833.59503},{"sentences":[{"text":"nonsmoking, we will be able to apply to the insurer.","start":833.38,"end":836.12,"sentiment":"neutral","sentiment_score":0.2031136631965637},{"text":"It's a really short application to get nonsmoking rate.","start":836.305,"end":840.945,"sentiment":"neutral","sentiment_score":0.2753595925039715},{"text":"So we we can revert to a cheaper rate, which will be great.","start":840.945,"end":844.385,"sentiment":"positive","sentiment_score":0.5051374412499942},{"text":"It'll run the premium down on both the policies.","start":844.385,"end":846.965,"sentiment":"positive","sentiment_score":0.5715785721937815},{"text":"Now can I I I wanna confirm with you while we're obviously having this conversation, because what I'll do is I'll put it in our our calendar to make sure that we contact you at the twelve month mark?","start":847.505,"end":858.4,"sentiment":"neutral","sentiment_score":0.15077870721236253}],"sentiment":"neutral","sentiment_score":0.2762592053972185,"channel":0,"num_words":80,"start":833.38,"end":858.4},{"sentences":[{"text":"When would your twelve months be?","start":858.62,"end":860.72003,"sentiment":"neutral","sentiment_score":0.027221901963154476}],"sentiment":"neutral","sentiment_score":0.027221901963154476,"channel":0,"num_words":6,"start":858.62,"end":860.72003},{"sentences":[{"text":"I couldn't tell you exactly, but probably, I don't know, another nine months or so.","start":861.9,"end":870.16003,"sentiment":"neutral","sentiment_score":-0.05299753062427044}],"sentiment":"neutral","sentiment_score":-0.05299753062427044,"channel":1,"num_words":15,"start":861.9,"end":870.16003},{"sentences":[{"text":"Yep.","start":870.615,"end":871.015,"sentiment":"neutral","sentiment_score":0.05033872649073601},{"text":"And I need to confirm, is that off all cigarettes, vapes, nicotine gum,","start":871.015,"end":876.875,"sentiment":"neutral","sentiment_score":0.018290991608340006}],"sentiment":"neutral","sentiment_score":0.02058011552851115,"channel":0,"num_words":14,"start":870.615,"end":876.875},{"sentences":[{"text":"Yeah.","start":876.555,"end":877.055,"sentiment":"neutral","sentiment_score":0.03326638787984848}],"sentiment":"neutral","sentiment_score":0.03326638787984848,"channel":1,"num_words":1,"start":876.555,"end":877.055},{"sentences":[{"text":"patches, replacement 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off it has to be off all replacement products, nicotine gum as well.","start":885.32,"end":889.74,"sentiment":"neutral","sentiment_score":-0.1744642768587385}],"sentiment":"neutral","sentiment_score":-0.1744642768587385,"channel":0,"num_words":14,"start":885.32,"end":889.74},{"sentences":[{"text":"Okay.","start":890.72,"end":891.19995,"sentiment":"neutral","sentiment_score":0.013074427843093872},{"text":"Well, I'll try for today then.","start":891.19995,"end":894.18,"sentiment":"neutral","sentiment_score":0.14270962898929915}],"sentiment":"neutral","sentiment_score":0.12419031453984124,"channel":1,"num_words":7,"start":890.72,"end":894.18},{"sentences":[{"text":"Today's the best any 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reduced, which will be fantastic.","start":904.495,"end":909.63495,"sentiment":"neutral","sentiment_score":0.3134344518184662}],"sentiment":"neutral","sentiment_score":0.2519131307800611,"channel":0,"num_words":45,"start":898.89496,"end":909.63495},{"sentences":[{"text":"Yep.","start":910.535,"end":911.035,"sentiment":"neutral","sentiment_score":0.14629094302654266}],"sentiment":"neutral","sentiment_score":0.14629094302654266,"channel":1,"num_words":1,"start":910.535,"end":911.035},{"sentences":[{"text":"So with with the insurance policy, it's obviously there to make sure that we're covering out the nearly half 1,000,000 debt.","start":911.91,"end":918.57,"sentiment":"neutral","sentiment_score":0.06709002091416291},{"text":"It covers any home renovations that need to happen under the TPD cover.","start":919.67,"end":923.995,"sentiment":"neutral","sentiment_score":0.017918430985166475},{"text":"You 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comfortably.","start":934.215,"end":935.275,"sentiment":"neutral","sentiment_score":0.2848696708679199},{"text":"It replaces your cost of living each year over the next eighteen years until you hit that retirement age you were looking for, and that's how we got to that million dollars worth of need for that for that cover.","start":936.26996,"end":950.175,"sentiment":"neutral","sentiment_score":0.08704669764265419},{"text":"With with that, what what we would wanna look at doing is getting, like, the so Zurich to ensure that works best for your occupation, your dem it's like your demographic as a whole.","start":951.515,"end":967.51,"sentiment":"neutral","sentiment_score":0.15410042313091896},{"text":"So when when we look at insurance, we look at tailoring insurance, we look at multiple insurers, and and we wanna make sure that we're obviously tailoring the product to best suit you from a premium speech 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with with the the insurance, what we would need to do is go through an insurance application.","start":1067.095,"end":1073.115,"sentiment":"neutral","sentiment_score":0.05639818993707498},{"text":"So what I would schedule in with you is for one of my team to reach out to you and go through the application where you would disclose your medical and health history, family history.","start":1073.575,"end":1082.34,"sentiment":"neutral","sentiment_score":0.08108281482543264},{"text":"That would get issued to Zurich.","start":1082.7999,"end":1084.96,"sentiment":"neutral","sentiment_score":0.07690697908401489},{"text":"Zurich would basically then assess you as an individual person to ensure that overall, you know, they have to take on the risk of your 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work.","start":1117.58,"end":1118.5599,"sentiment":"neutral","sentiment_score":0.04893940221518278},{"text":"Yeah.","start":1119.74,"end":1120.24,"sentiment":"neutral","sentiment_score":0.18851739168167111},{"text":"Perfect.","start":1120.2999,"end":1120.7999,"sentiment":"positive","sentiment_score":0.35588276386260986},{"text":"So that's basically, like, the crux of the, like, main advice is, like, superannuation, you know, change the investment, salary sacrifice arrangement, and then we'll send you a letter to your employer to sign the payments.","start":1122.505,"end":1138.41,"sentiment":"neutral","sentiment_score":0.07933799477501048},{"text":"I know you're the account manager, so that just speak to making that 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there are alternatives that are available.","start":1290.385,"end":1293.685,"sentiment":"neutral","sentiment_score":0.11446964823537403},{"text":"There are online services such as WILED and other services like that.","start":1293.745,"end":1299.265,"sentiment":"neutral","sentiment_score":0.17088093298176923},{"text":"There are also services that you can access such as the public trustee.","start":1299.265,"end":1307.12,"sentiment":"neutral","sentiment_score":0.1702908965257498},{"text":"The public trustee actually has services that are available.","start":1307.34,"end":1312.16,"sentiment":"neutral","sentiment_score":0.20499217013518015},{"text":"You should book in with them and get, like, a will and power of attorney drawn up with them for free.","start":1312.7,"end":1317.2,"sentiment":"neutral","sentiment_score":0.25186973100616816}],"sentiment":"neutral","sentiment_score":0.19419958698563278,"channel":0,"num_words":64,"start":1290.385,"end":1317.2},{"sentences":[{"text":"Generally, they have, like, three to six month wait time to get that done, but that's something that is available as well that you you may be able to access.","start":1317.66,"end":1324.8251,"sentiment":"neutral","sentiment_score":0.16956389993429183},{"text":"So 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I've got a wheel on the bench at home that my mom just gave me to fill out, so I'll get on to that.","start":1326.4249,"end":1334.6849,"sentiment":"neutral","sentiment_score":0.11549364417791366}],"sentiment":"neutral","sentiment_score":0.11549364417791366,"channel":1,"num_words":25,"start":1326.4249,"end":1334.6849},{"sentences":[{"text":"Yeah.","start":1335.24,"end":1335.48,"sentiment":"neutral","sentiment_score":0.07901933044195175},{"text":"Yeah.","start":1335.48,"end":1335.72,"sentiment":"neutral","sentiment_score":0.06574611365795135},{"text":"I was gonna say and there's, like, will kits and stuff like 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this system before.","start":1404.4299,"end":1410.965,"sentiment":"negative","sentiment_score":-0.4006538949906826},{"text":"We've moved over to a new, like, CRM system, and it just capacity to be able to send you signed documents and have them load straight back to your file at the same time.","start":1410.965,"end":1423.48,"sentiment":"neutral","sentiment_score":0.09042611236081403},{"text":"So it may have found its way to your junk folder, but","start":1423.48,"end":1427.18,"sentiment":"neutral","sentiment_score":-0.06090871353323261}],"sentiment":"neutral","sentiment_score":-0.029549813829362392,"channel":0,"num_words":86,"start":1397.71,"end":1427.18},{"sentences":[{"text":"No.","start":1427.1901,"end":1427.67,"sentiment":"negative","sentiment_score":-0.5301604270935059},{"text":"I've got it.","start":1427.67,"end":1428.39,"sentiment":"negative","sentiment_score":-0.6403479178746542},{"text":"It's cancer.","start":1428.39,"end":1429.13,"sentiment":"negative","sentiment_score":-0.6839806735515594},{"text":"I'll","start":1429.91,"end":1430.0701,"sentiment":"neutral","sentiment_score":-0.1950368732213974}],"sentiment":"negative","sentiment_score":-0.5734574858631406,"channel":1,"num_words":7,"start":1427.1901,"end":1430.0701},{"sentences":[{"text":"oh,","start":1430.04,"end":1430.28,"sentiment":"neutral","sentiment_score":0.06053253263235092}],"sentiment":"neutral","sentiment_score":0.06053253263235092,"channel":0,"num_words":1,"start":1430.04,"end":1430.28},{"sentences":[{"text":"just","start":1430.0701,"end":1430.5701,"sentiment":"neutral","sentiment_score":0.22508153319358823}],"sentiment":"neutral","sentiment_score":0.22508153319358823,"channel":1,"num_words":1,"start":1430.0701,"end":1430.5701},{"sentences":[{"text":"perfect.","start":1430.28,"end":1430.78,"sentiment":"neutral","sentiment_score":0.18474633991718292}],"sentiment":"neutral","sentiment_score":0.18474633991718292,"channel":0,"num_words":1,"start":1430.28,"end":1430.78},{"sentences":[{"text":"I'll just check now.","start":1431.11,"end":1432.39,"sentiment":"neutral","sentiment_score":0.11303254030644894},{"text":"It's from yep.","start":1432.39,"end":1434.01,"sentiment":"neutral","sentiment_score":0.057129944364229836},{"text":"Okay.","start":1434.945,"end":1435.445,"sentiment":"neutral","sentiment_score":0.14273276925086975},{"text":"Larissa.","start":1436.135,"end":1436.385,"sentiment":"neutral","sentiment_score":0.167802095413208},{"text":"All good.","start":1436.385,"end":1437.0449,"sentiment":"positive","sentiment_score":0.39869295060634613}],"sentiment":"neutral","sentiment_score":0.15740370547229593,"channel":1,"num_words":11,"start":1431.11,"end":1437.0449},{"sentences":[{"text":"Yeah.","start":1437.5851,"end":1437.665,"sentiment":"neutral","sentiment_score":0.2462272346019745},{"text":"Yeah.","start":1437.665,"end":1438.165,"sentiment":"neutral","sentiment_score":0.2442200779914856},{"text":"Oh, cool.","start":1438.305,"end":1438.7051,"sentiment":"positive","sentiment_score":0.48606786131858826},{"text":"It comes through with my name.","start":1438.7051,"end":1439.665,"sentiment":"positive","sentiment_score":0.4064447035392125},{"text":"That's cool.","start":1439.665,"end":1440.3251,"sentiment":"positive","sentiment_score":0.639468252658844}],"sentiment":"positive","sentiment_score":0.4316823134819667,"channel":0,"num_words":12,"start":1437.5851,"end":1440.3251},{"sentences":[{"text":"So so yeah.","start":1442.305,"end":1442.865,"sentiment":"positive","sentiment_score":0.3526983658472697},{"text":"So take your time.","start":1442.865,"end":1444.305,"sentiment":"neutral","sentiment_score":0.3211085647344589},{"text":"Have a look over the documents.","start":1444.305,"end":1445.605,"sentiment":"neutral","sentiment_score":0.2676163613796234},{"text":"And then if you have any questions, you can definitely give us a call.","start":1446.4651,"end":1450.485,"sentiment":"neutral","sentiment_score":0.23446536489895412},{"text":"But, otherwise, it's pretty straightforward.","start":1450.89,"end":1452.3301,"sentiment":"neutral","sentiment_score":0.2785203218460083}],"sentiment":"neutral","sentiment_score":0.2694795075803995,"channel":0,"num_words":32,"start":1442.305,"end":1452.3301},{"sentences":[{"text":"And as soon as you sign them, we will get everything start like, started implementing.","start":1452.3301,"end":1456.51,"sentiment":"neutral","sentiment_score":0.301235701640447},{"text":"I guess the only","start":1457.13,"end":1457.85,"sentiment":"neutral","sentiment_score":0.04392791725695133}],"sentiment":"neutral","sentiment_score":0.24706564177023738,"channel":0,"num_words":19,"start":1452.3301,"end":1457.85},{"sentences":[{"text":"Yep.","start":1457.69,"end":1458.19,"sentiment":"neutral","sentiment_score":0.02905699424445629}],"sentiment":"neutral","sentiment_score":0.02905699424445629,"channel":1,"num_words":1,"start":1457.69,"end":1458.19},{"sentences":[{"text":"question I really have for you is, I guess, best time available that I can get my team to reach out and go through that insurance","start":1457.85,"end":1464.03,"sentiment":"neutral","sentiment_score":0.01202680399784675}],"sentiment":"neutral","sentiment_score":0.01202680399784675,"channel":0,"num_words":26,"start":1457.85,"end":1464.03},{"sentences":[{"text":"Probably a Tuesday would be better.","start":1467.495,"end":1469.835,"sentiment":"neutral","sentiment_score":-0.056607398514946304}],"sentiment":"neutral","sentiment_score":-0.056607398514946304,"channel":1,"num_words":6,"start":1467.495,"end":1469.835},{"sentences":[{"text":"Yeah.","start":1470.745,"end":1471.245,"sentiment":"neutral","sentiment_score":0.008168873377144337}],"sentiment":"neutral","sentiment_score":0.008168873377144337,"channel":0,"num_words":1,"start":1470.745,"end":1471.245},{"sentences":[{"text":"Yeah.","start":1471.895,"end":1472.135,"sentiment":"neutral","sentiment_score":0.00969241000711918},{"text":"I just don't visit as many customers and stuff on Tuesdays, so I can take calls easier.","start":1472.135,"end":1480.32,"sentiment":"neutral","sentiment_score":-0.047247541520525425}],"sentiment":"neutral","sentiment_score":-0.04408421088010073,"channel":1,"num_words":18,"start":1471.895,"end":1480.32},{"sentences":[{"text":"Absolutely.","start":1480.18,"end":1480.68,"sentiment":"neutral","sentiment_score":0.1102939397096634},{"text":"Yeah.","start":1481.14,"end":1481.62,"sentiment":"neutral","sentiment_score":0.05665513500571251},{"text":"Alright.","start":1481.62,"end":1482.12,"sentiment":"neutral","sentiment_score":0.0812782570719719},{"text":"Like, a Tuesday morning before, like, the day really starts kicking in?","start":1482.18,"end":1485.56,"sentiment":"neutral","sentiment_score":0.07295873823265235}],"sentiment":"neutral","sentiment_score":0.07491547937194507,"channel":0,"num_words":15,"start":1480.18,"end":1485.56},{"sentences":[{"text":"Yeah.","start":1485.9,"end":1486.3,"sentiment":"neutral","sentiment_score":0.09505541622638702},{"text":"That'll be fine.","start":1486.3,"end":1487.1,"sentiment":"neutral","sentiment_score":0.16712658603986105},{"text":"Yep.","start":1487.1,"end":1487.6,"sentiment":"neutral","sentiment_score":0.10315082967281342}],"sentiment":"neutral","sentiment_score":0.13991720080375672,"channel":1,"num_words":5,"start":1485.9,"end":1487.6},{"sentences":[{"text":"Yeah.","start":1487.7001,"end":1488.02,"sentiment":"neutral","sentiment_score":0.09918929636478424},{"text":"Because, like, theoretically, I can do as early as, like, 09:00 your time.","start":1488.02,"end":1491.48,"sentiment":"neutral","sentiment_score":0.09288784804252478}],"sentiment":"neutral","sentiment_score":0.09333795149411474,"channel":0,"num_words":14,"start":1487.7001,"end":1491.48},{"sentences":[{"text":"Yeah.","start":1492.8049,"end":1493.205,"sentiment":"neutral","sentiment_score":0.1440545916557312},{"text":"That will work.","start":1493.205,"end":1494.085,"sentiment":"neutral","sentiment_score":0.18402241667111716},{"text":"Yep.","start":1494.085,"end":1494.585,"sentiment":"neutral","sentiment_score":0.10391514003276824}],"sentiment":"neutral","sentiment_score":0.16000739634037017,"channel":1,"num_words":5,"start":1492.8049,"end":1494.585},{"sentences":[{"text":"Yeah.","start":1494.66,"end":1494.98,"sentiment":"neutral","sentiment_score":0.10926270484924316},{"text":"Okay.","start":1494.98,"end":1495.46,"sentiment":"neutral","sentiment_score":0.11480040103197098},{"text":"Well, what I'll do is I'll tentatively put it I'll get in for, say, next Tuesday at 9AM all time.","start":1495.46,"end":1500.485,"sentiment":"neutral","sentiment_score":0.0945612609386444},{"text":"And then if we haven't received the signed documents back, we'll just touch base with you at that time, and we can always reschedule just in case you haven't had a chance to read and sign them over the weekend.","start":1501.025,"end":1510.92,"sentiment":"neutral","sentiment_score":0.09330826690420509}],"sentiment":"neutral","sentiment_score":0.09431643549713396,"channel":0,"num_words":62,"start":1494.66,"end":1510.92},{"sentences":[{"text":"Yep.","start":1511.78,"end":1512.1799,"sentiment":"neutral","sentiment_score":0.1222030371427536},{"text":"Alright.","start":1512.1799,"end":1512.5,"sentiment":"neutral","sentiment_score":0.22198280692100525},{"text":"That'd be good.","start":1512.5,"end":1513.4,"sentiment":"positive","sentiment_score":0.3391299744447072}],"sentiment":"neutral","sentiment_score":0.27231515347957613,"channel":1,"num_words":5,"start":1511.78,"end":1513.4},{"sentences":[{"text":"No.","start":1514.02,"end":1514.3401,"sentiment":"neutral","sentiment_score":-0.036349907517433167},{"text":"Perfect.","start":1514.3401,"end":1514.74,"sentiment":"neutral","sentiment_score":0.24128824472427368},{"text":"I'll book that in, and it'll be that gives you a call.","start":1514.74,"end":1518.02,"sentiment":"neutral","sentiment_score":0.18960196323071918},{"text":"He's my insurance go to, so he'll give you a call on Tuesday.","start":1518.02,"end":1521.345,"sentiment":"neutral","sentiment_score":0.09843920973631051}],"sentiment":"neutral","sentiment_score":0.13925450453879656,"channel":0,"num_words":27,"start":1514.02,"end":1521.345},{"sentences":[{"text":"Okeydokey.","start":1522.5549,"end":1523.0549,"sentiment":"neutral","sentiment_score":0.22522816061973572},{"text":"Sounds good.","start":1523.355,"end":1524.1749,"sentiment":"positive","sentiment_score":0.7182288765907288}],"sentiment":"positive","sentiment_score":0.5538953046003977,"channel":1,"num_words":3,"start":1522.5549,"end":1524.1749},{"sentences":[{"text":"Perfect.","start":1524.7849,"end":1525.2849,"sentiment":"positive","sentiment_score":0.7208218574523926},{"text":"Were there any questions at all, Wade?","start":1525.4249,"end":1527.0449,"sentiment":"neutral","sentiment_score":0.2794050531727927}],"sentiment":"positive","sentiment_score":0.3345821537077427,"channel":0,"num_words":8,"start":1524.7849,"end":1527.0449},{"sentences":[{"text":"No.","start":1527.6749,"end":1527.995,"sentiment":"neutral","sentiment_score":-0.05475341156125069},{"text":"No.","start":1527.995,"end":1528.235,"sentiment":"neutral","sentiment_score":-0.05374734103679657},{"text":"That's all good.","start":1528.235,"end":1528.955,"sentiment":"positive","sentiment_score":0.45717329780260724},{"text":"Thanks for explaining everything.","start":1528.955,"end":1530.6549,"sentiment":"positive","sentiment_score":0.7600690573453903}],"sentiment":"positive","sentiment_score":0.47814393002125954,"channel":1,"num_words":9,"start":1527.6749,"end":1530.6549},{"sentences":[{"text":"Absolutely.","start":1531.825,"end":1532.325,"sentiment":"positive","sentiment_score":0.7801508903503418},{"text":"My pleasure.","start":1532.385,"end":1533.125,"sentiment":"positive","sentiment_score":0.8350166976451874},{"text":"I'll speak to you next Tuesday.","start":1533.2568,"end":1534.3768,"sentiment":"positive","sentiment_score":0.6339597801367441},{"text":"Have a great rest of your day, and have a great weekend.","start":1534.3768,"end":1536.4769,"sentiment":"positive","sentiment_score":0.7649415334065756}],"sentiment":"positive","sentiment_score":0.7349162555876232,"channel":0,"num_words":21,"start":1531.825,"end":1536.4769},{"sentences":[{"text":"You too.","start":1537.18,"end":1537.66,"sentiment":"positive","sentiment_score":0.574445903301239},{"text":"Thanks very much.","start":1537.66,"end":1538.7201,"sentiment":"positive","sentiment_score":0.8027613759040833}],"sentiment":"positive","sentiment_score":0.7114351868629456,"channel":1,"num_words":5,"start":1537.18,"end":1538.7201},{"sentences":[{"text":"Bye.","start":1539.0969,"end":1539.5969,"sentiment":"positive","sentiment_score":0.4189848303794861},{"text":"Bye.","start":1540.0569,"end":1540.5569,"sentiment":"neutral","sentiment_score":0.2893008589744568}],"sentiment":"positive","sentiment_score":0.35414284467697144,"channel":0,"num_words":2,"start":1539.0969,"end":1540.5569},{"sentences":[{"text":"See you.","start":1540.4601,"end":1541.18,"sentiment":"positive","sentiment_score":0.35849523544311523},{"text":"Bye.","start":1541.18,"end":1541.68,"sentiment":"neutral","sentiment_score":-0.11421352624893188}],"sentiment":"neutral","sentiment_score":0.20092564821243286,"channel":1,"num_words":3,"start":1540.4601,"end":1541.68}]},"summary":{"result":"success","short":"The representative explains that the customer's superannaged retirement plans will include investment based and refreshing their portfolio, removing hold holds, and making a change to the underlying assets. They also suggest salary sacrificing plans to achieve retirement goals and recommend a trauma policy for accidents. The speaker emphasizes the importance of tailoring policies to individual needs and suggests online services for filling out insurance documents. They suggest scheduling a call for Tuesday to discuss the insurance application and process."},"intents":{"segments":[{"text":"Now I guess before we do jump into it, I do need to let you know, as always, that our calls are recorded. And if I could just get you to confirm security for me, it's full name, date of birth, and address.","start_word":196,"end_word":238,"intents":[{"intent":"Confirm information","confidence_score":0.0029666298}]},{"text":"And if I could just get you to confirm security for me, it's full name, date of birth, and address. Yeah.","start_word":219,"end_word":239,"intents":[{"intent":"Confirm security","confidence_score":0.34554857}]},{"text":"One strategy is is your superannuation. So it's very focused on your investments within your hub twenty four fund. Just giving them a bit of a a refresh. I'm keeping you in line with the current risk allocation. So, currently, your super sitting in, like, an eighty twenty split. So about 80% invest in the market, 20% being in a conservative position.","start_word":486,"end_word":547,"intents":[{"intent":"Remind investing strategy","confidence_score":0.000010150564}]},{"text":"One of them being, like, a an Australian equities fund, one of them being a tech based asset, another being a banking hybrid, and the last one being, like, Australian property. Completely removing those from your assets and no longer holding Yep. them and then purchasing into five other holdings to just diversify your holdings a little bit more.","start_word":669,"end_word":727,"intents":[{"intent":"Educate about fund diversification and investment","confidence_score":0.000009156524}]},{"text":"So pulling in some lower cost, they're called ETFs, exchange trade funds. So there's just a lower cost, more diversified holding that's gonna give you a a not only a cheaper investment, but also, actually, a better historical growth return as well.","start_word":769,"end_word":810,"intents":[{"intent":"Discuss etfs and portfolio portfolio changes","confidence_score":0.0007886381}]},{"text":"So Tommy's recommended that we just make a bit of a change.","start_word":811,"end_word":822,"intents":[{"intent":"Recommend and recommend changing underlying assets","confidence_score":1.5775738e-9}]},{"text":"So Tommy's recommended that we just make a bit of a change. You'll be able to just have a look at the change when you obviously look at the document. You can see it on page 16 of the statement of advice, where your funds are currently held and where they're gonna move over to.","start_word":811,"end_word":865,"intents":[{"intent":"Clarify a recommendation for a change in holding","confidence_score":1.3051611e-10}]},{"text":"It's gonna put you on a a much better track for for retirement even though retirement's still eighteen years away. It it just has a better outlook because of the lower cost, better historical return rate. It it just gives you a better position overall to to achieve that $1,500 a week income come your retirement. Okay.","start_word":931,"end_word":987,"intents":[{"intent":"Address retirement goals and prepare for retirement","confidence_score":2.1406241e-7}]},{"text":"Now secondarily to that, one of the things that Tom recommended was that we actually start salary sacrificing.","start_word":992,"end_word":1009,"intents":[{"intent":"Promote salary sacrifice","confidence_score":0.10301468}]},{"text":"Now additional to that, to replace your income, so TPD is there if you are never able to work again.","start_word":1357,"end_word":1376,"intents":[{"intent":"Replace income","confidence_score":0.3031161}]},{"text":"Now additional to that, to replace your income, so TPD is there if you are never able to work again. It's a lump sum benefit that helps you to, you know, pay off the debts to to live Yeah.","start_word":1357,"end_word":1395,"intents":[{"intent":"Pay off debts","confidence_score":0.2675073}]},{"text":"Because TPD claims can take months to, you know, twelve months to twenty four months. So, like, two years is generally how long I see TPD claims unless it's a massive mess of those.","start_word":1452,"end_word":1485,"intents":[{"intent":"Determine claim duration","confidence_score":0.00016310574}]},{"text":"Now secondarily to that, Tommy's recommended a trauma policy.","start_word":1584,"end_word":1592,"intents":[{"intent":"Recommend trauma policy","confidence_score":0.44827032}]},{"text":"Trauma policies generally pay out within a couple of weeks, providing you obviously submit documentation, and once there's no delay there, they pay out really quickly versus the life TPD IP can take a month or two to generally make assessments on those on those policies.","start_word":1636,"end_word":1681,"intents":[{"intent":"Provide documentation","confidence_score":0.12710927},{"intent":"Pay out policies","confidence_score":0.06010899}]},{"text":"There's a on the life policy, there is a funeral advancement. So if anything were to happen to you, that that life policy can actually pay a funeral advancement out to enable funeral costs to be covered, Yep. Okay.","start_word":1815,"end_word":1853,"intents":[{"intent":"Inquire about coverage for funeral costs","confidence_score":0.000048260965}]},{"text":"So we we can revert to a cheaper rate, which will be great. It'll run the premium down on both the policies.","start_word":1935,"end_word":1956,"intents":[{"intent":"Revert to cheaper rate","confidence_score":0.15816686}]},{"text":"And I need to confirm, is that off all cigarettes, vapes, nicotine gum, Yeah.","start_word":2018,"end_word":2031,"intents":[{"intent":"Confirm cancellation of cigarettes or nicotine gum","confidence_score":0.000044959743}]},{"text":"Well, what what I'll do is I'll I'll pop it in the calendar to basically twelve months time. We'll touch base with you at the beginning of next year, and we can get that removed and get that reduced, which will be fantastic. Yep.","start_word":2083,"end_word":2126,"intents":[{"intent":"Reducing debt","confidence_score":0.11507099}]},{"text":"So with with the insurance policy, it's obviously there to make sure that we're covering out the nearly half 1,000,000 debt. It covers any home renovations that need to happen under the TPD cover. You know?","start_word":2127,"end_word":2162,"intents":[{"intent":"Providing coverage for debt","confidence_score":0.0063553867},{"intent":"Providing coverage for repairs","confidence_score":0.0002388187}]},{"text":"So with with the insurance policy, it's obviously there to make sure that we're covering out the nearly half 1,000,000 debt. It covers any home renovations that need to happen under the TPD cover. You know? Because if you're totally impairment disabled, you know, need to make sure that you have the capacity to either have a vehicle or home modifications that Yeah.","start_word":2127,"end_word":2189,"intents":[{"intent":"Providing coverage for a specific person","confidence_score":0.0024050123}]},{"text":"With with that, what what we would wanna look at doing is getting, like, the so Zurich to ensure that works best for your occupation, your dem it's like your demographic as a whole. So when when we look at insurance, we look at tailoring insurance, we look at multiple insurers, and and we wanna make sure that we're obviously tailoring the product to best suit you from a premium speech perspective. Zurich does that.","start_word":2236,"end_word":2310,"intents":[{"intent":"Specifying preferred coverage for a specific person","confidence_score":1.0162105e-7},{"intent":"Providing a tailoring product","confidence_score":0.0005128194}]},{"text":"So there's a lot of good features with the products that enable you to have claims where other products may not enable you to have claims.","start_word":2460,"end_word":2485,"intents":[{"intent":"Inform about benefits of products","confidence_score":0.017888628}]},{"text":"Currently, with your, like, with your superannuation with the insurance policy as well, there's no one that that, you know, you've identified or that we can identify that would suitably and, like, be a beneficiary that's valid.","start_word":2800,"end_word":2836,"intents":[{"intent":"Define superannuation and insurance policy","confidence_score":0.0007806369}]},{"text":"It just means that if there's anyone that you don't like, they may be able to get their hands on the money depending on your complexity and a current point of view. Yeah.","start_word":3101,"end_word":3133,"intents":[{"intent":"Request assistance","confidence_score":0.011050746}]},{"text":"yeah, definitely, something like that. Just follow the kit's instructions, making sure to complete it, have it witnessed properly. Every page needs to be witnessed by the same people. It means that, basically, there's Yep. three of you that stand in the circle and you complete you know, you would sign and they would sign the pages as you go through. So, yeah, that's absolutely.","start_word":3277,"end_word":3341,"intents":[{"intent":"Confirm understanding","confidence_score":0.054705173}]},{"text":"Just follow the kit's instructions, making sure to complete it, have it witnessed properly.","start_word":3282,"end_word":3295,"intents":[{"intent":"Provide instructions","confidence_score":0.22228707}]},{"text":"I just had to send it to your data who will be nominated and then keep the keep the renewal in your location. But, absolutely, you can execute one independently. So, Yep.","start_word":3347,"end_word":3378,"intents":[{"intent":"Send document to data","confidence_score":0.0018316989}]},{"text":"yeah, that's that's basically the advice as a whole. If you are happy with the advice and you wanna proceed, you've already got the documents that I issued to you yesterday. So Yep.","start_word":3379,"end_word":3411,"intents":[{"intent":"Provide advice","confidence_score":0.10855765}]},{"text":"I'll book that in, and it'll be that gives you a call.","start_word":3742,"end_word":3753,"intents":[{"intent":"Book appointment","confidence_score":0.032878425}]}]},"sentiments":{"segments":[{"text":"Hello. Wade speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.054392408579587936},{"text":"Good morning, mate. How are you calling? Pretty good. How are you? Yeah. Really good. Thank you. How's the rest of your day?","start_word":3,"end_word":25,"sentiment":"positive","sentiment_score":0.48364660143852234},{"text":"Yeah. Finish up yesterday. It was pretty busy, to be honest. All good?","start_word":26,"end_word":38,"sentiment":"neutral","sentiment_score":-0.0732312947511673},{"text":"That's a bit frustrating. Sorry. You're breaking up a bit there.","start_word":39,"end_word":49,"sentiment":"negative","sentiment_score":-0.4598979949951172},{"text":"I can't really hear you. Sorry about that. How's that? Yeah. That's a bit better. Yep. There we go. I hate when a it's always good when a busy day kind of happens. Yeah. It makes things go faster, but at the same time, it's always a little bit frustrating as well to never get a a moment of peace. All part of it, I suppose. Definitely is. Now yesterday, I did send you documents just ahead of, like, our call. Did you get a chance at all to read those ones or have a look at them over the afternoon? I didn't, to be honest, but I can probably have a good look now. No. That's okay. It sounds like you're driving anyway, so Yeah. just safe driving. I'm not too worried. I can just talk you through them and and obviously go through everything. Now I guess before we do jump into it, I do need to let you know, as always, that our calls are recorded. And if I could just get you to confirm security for me, it's full name, date of birth, and address. Yeah. White Kenneth Chadwick. Ten eighty Princess Auto right now, Moriac, and items of Service ninety three.","start_word":50,"end_word":255,"sentiment":"neutral","sentiment_score":0.047470755875110626},{"text":"Perfect.","start_word":256,"end_word":256,"sentiment":"positive","sentiment_score":0.39393505454063416},{"text":"Alright. So the advice, you you originally spoke with Tommy. Tommy's been sick for the last couple of days. So I'm the head of advice, and I've I wanted to make sure we obviously kept this appointment and kept kept things moving. So I wanted to go through his advice document with you just to explain what what the the advice basically details. So the advice considers, like, your superannuation in the goal that you're aiming to retire at 65 and that you're wanting to get an income of, like, $1,500 a week. Now it's still a few years away before we're hitting that age, but we still wanna make sure that we're on track for that.","start_word":257,"end_word":373,"sentiment":"neutral","sentiment_score":0.15025131776928902},{"text":"Now addition to that, it does bring your insurance into scope. So looking at your insurance policies for personal insurance and making sure that that is adequately in place to cover yourself in the event that something were to happen to you, being able to work. And then additional to that, Tommy has provided some advice and guidance on, like, estate planning. Because your superannuation and your insurances do cover estate, they are ultimately potentially a state asset. It's always good to just have that direction on on a state planning as well.","start_word":374,"end_word":466,"sentiment":"positive","sentiment_score":0.4021933078765869},{"text":"Now with that, the advice comes down to sort of, I guess, three main areas or three main strategies. One strategy is is your superannuation. So it's very focused on your investments within your hub twenty four fund. Just giving them a bit of a a refresh. I'm keeping you in line with the current risk allocation. So, currently, your super sitting in, like, an eighty twenty split. So about 80% invest in the market, 20% being in a conservative position. And what Tommy recommend is that we just refer that you currently hold. So get rid of all the holds that you currently have in your portfolio and put that up, like yeah.","start_word":467,"end_word":580,"sentiment":"neutral","sentiment_score":0.12749293446540833},{"text":"I I can't really hear you, sir. You're really breaking up. Really?","start_word":581,"end_word":592,"sentiment":"negative","sentiment_score":-0.453397661447525},{"text":"Yeah.","start_word":593,"end_word":593,"sentiment":"neutral","sentiment_score":-0.3197615146636963},{"text":"It's coming and going. Like, that's fine now, but probably the last twenty seconds there, I didn't really hear. It was very robotic sort of.","start_word":594,"end_word":618,"sentiment":"negative","sentiment_score":-0.3756596744060517},{"text":"Oh, really? I'm sorry about that. Let me repeat myself. Yeah. Sorry. So the advice for the superannuation is very investment based. So it it is in relation to the actual underlying holdings within the portfolio. So the recommendation details basically getting out of four of the current holdings. One of them being, like, a an Australian equities fund, one of them being a tech based asset, another being a banking hybrid, and the last one being, like, Australian property. Completely removing those from your assets and no longer holding Yep. them and then purchasing into five other holdings to just diversify your holdings a little bit more. And, additionally, we'll also have to bring down the overall cost of the actual operation of your fund because the investment fee on some of those assets that you currently hold is a little bit elevated. It's a little bit high. Yep. So pulling in some lower cost, they're called ETFs, exchange trade funds.","start_word":619,"end_word":780,"sentiment":"neutral","sentiment_score":0.020640696893319672},{"text":"So there's just a lower cost, more diversified holding that's gonna give you a a not only a cheaper investment, but also, actually, a better historical growth return as well.","start_word":781,"end_word":810,"sentiment":"positive","sentiment_score":0.3940264880657196},{"text":"So Tommy's recommended that we just make a bit of a change. You'll be able to just have a look at the change when you obviously look at the document. You can see it on page 16 of the statement of advice, where your funds are currently held and where they're gonna move over to. So it Yeah. gives you a good outline as to what we're aiming to hold overall. Okay. Cool. So that's that's the advice for the superannuation fund is, obviously, like, we're gonna keep the hub twenty four operational, but just to do a bit of a change to the actual underlying assets and do a bit of a refresh to the account. Yeah. Okay.","start_word":811,"end_word":929,"sentiment":"neutral","sentiment_score":0.12597492337226868},{"text":"Yep. It's gonna put you on a a much better track for for retirement even though retirement's still eighteen years away. It it just has a better outlook because of the lower cost, better historical return rate. It it just gives you a better position overall to to achieve that $1,500 a week income come your retirement. Okay. Sounds good. Perfect.","start_word":930,"end_word":990,"sentiment":"positive","sentiment_score":0.5062797665596008},{"text":"Now secondarily to that, one of the things that Tom recommended was that we actually start salary sacrificing. Yeah. When you spoke with him, you guys discussed basically an allowance of about a $100 a week that you were willing to forego and utilize towards, like, either investing or, you know, insurance and stuff like that. Now Yeah. Tommy recommended that we actually salary sacrifice $75 per week. So that'll be $75 out of your gross income that will go towards Yep. your superannuation fund. So Yep. you're not gonna feel $75 a week come out of your net income because that $75 is before you get taxed. Yes.","start_word":991,"end_word":1099,"sentiment":"neutral","sentiment_score":0.01150516327470541},{"text":"Cool. So what what Tommy's recommended is that we we implement that $75 per week.","start_word":1100,"end_word":1114,"sentiment":"positive","sentiment_score":0.4097938537597656},{"text":"And then with the remainder of the that $100, we actually look at targeting that towards an insurance product. So, Yep. currently, with respect to insurance I just wanna pull up let me just go. So currently, with respect to insurance sorry. I lost my you don't have any cover in place. But what what Tommy wants to do and what we wanna ultimately put in place for you to achieve that goal, making sure that the family is gonna be looked after, making sure that you're looked after, really, is get an insurance policy in place. Now I know that for yourself, the biggest, I guess, the thing that you wanted most was the disability cover. That you weren't really chasing, like, life insurance or anything like that. It was really coming down to, like, the total and permanent disability, the income protection cover, stuff like that to keep you protected. Now Yeah. I look at, like, children permanent disability insurance. Ultimately, when we look over the TPD insurance, it came out more expensive to hold just total and permanent disability without connecting it to a life insurance policy. So Tommy actually Yeah. recommended I could. to link the TPD to a life policy because it became Yep. cheaper overall. Yep. So he's recommended a million dollars worth of, like, total permanent disability with a life insurance basically attached to it to help bring down that that that cost. Yeah. Now additional to that, to replace your income, so TPD is there if you are never able to work again. It's a lump sum benefit that helps you to, you know, pay off the debts to to live Yeah. securely in the event that you were never working. Whereas your income protection is basically a short term monthly benefit that's payable in the event you're ill ill or injured. So it's kind of Yeah. that middle ground between when you fall off work and unable to work and while, like, a TPD claim is being assessed. Because TPD claims can take months to, you know, twelve months to twenty four months. So, like, two years is generally how long I see TPD claims unless it's a massive mess of those. So that income protection policy, Tommy's recommended five years. So it's gonna enable you to get five years worth of monthly benefit paid to you, you know, until you're either able to return to work or claim TBD. Yeah. So that that's the recommendation for for that policy. Now that's gonna be paid by your super funds. So that's where that $75 worth of salary sacrifice comes in into play to offset the premiums that'll be paid from your super fund. The premiums for that Yep. are $2,821 a year, and that'll come out of your fund. Okay. Now secondarily to that, Tommy's recommended a trauma policy. Now the trauma policy covers the diagnosis of your medical majors. So with trauma, like, basically, heart attack, cancer, stroke, neurological conditions like your muscular dystrophy, Huntington's, Parkinson's, diabetes, upon the diagnosis of, the benefit is releasable to you or payable to you. Trauma policies generally pay out within a couple of weeks, providing you obviously submit documentation, and once there's no delay there, they pay out really quickly versus the life TPD IP can take a month or two to generally make assessments on those on those policies.","start_word":1115,"end_word":1681,"sentiment":"neutral","sentiment_score":0.08041238017393378},{"text":"Trauma is very, very quick to pay out.","start_word":1682,"end_word":1689,"sentiment":"positive","sentiment_score":0.47454383969306946},{"text":"The recommendation is for a $100,000 that we'd payable to you.","start_word":1690,"end_word":1700,"sentiment":"neutral","sentiment_score":0.28010523319244385},{"text":"And and, again, he's attached to a a life a life policy to it, and that life policy just makes the premium cheaper. It sounds really Yep. counterintuitive, but it's the way that insurers work that when you have a life policy attached to it, it just makes a premium overall cheaper than if you were to have two standalone benefits of the same value.","start_word":1701,"end_word":1765,"sentiment":"positive","sentiment_score":0.4498853087425232},{"text":"What it also means is that because you're paying for that trauma policy out of pocket, so that trauma policy would be paid out of pocket with that sort of remainder of that $100, that that policy will enable you in the event that you were to pass away. There's a on the life policy, there is a funeral advancement. So if anything were to happen to you, that that life policy can actually pay a funeral advancement out to enable funeral costs to be covered, Yep.","start_word":1766,"end_word":1852,"sentiment":"neutral","sentiment_score":0.29525479674339294},{"text":"Okay. which is good on that front.","start_word":1853,"end_word":1859,"sentiment":"positive","sentiment_score":0.46402707695961},{"text":"Obviously, not a policy we ever wanna claim on, but it's there in the event that something were to happen. Yep. Now at the moment, while you are quitting, because I know that you are aiming to quit smoking, until you are 12 consecutive nonsmoking, there are Yeah. smokers rates applied. Once you're twelve months Yeah. nonsmoking, we will be able to apply to the insurer. It's a really short application to get nonsmoking rate.","start_word":1860,"end_word":1934,"sentiment":"neutral","sentiment_score":0.13147281110286713},{"text":"So we we can revert to a cheaper rate, which will be great. It'll run the premium down on both the policies.","start_word":1935,"end_word":1956,"sentiment":"positive","sentiment_score":0.5284684896469116},{"text":"Now can I I I wanna confirm with you while we're obviously having this conversation, because what I'll do is I'll put it in our our calendar to make sure that we contact you at the twelve month mark? When would your twelve months be? I couldn't tell you exactly, but probably, I don't know, another nine months or so. Yep. And I need to confirm, is that off all cigarettes, vapes, nicotine gum, Yeah. patches, replacement products? Well, I have been using the nicotine gum, so So I don't it know has if to that's be off it has to be off all replacement products, nicotine gum as well. Okay. Well, I'll try for today then.","start_word":1957,"end_word":2073,"sentiment":"neutral","sentiment_score":0.012549802660942078},{"text":"Today's the best any day.","start_word":2074,"end_word":2078,"sentiment":"positive","sentiment_score":0.4132106006145478},{"text":"No. Yep. That's okay. Well, what what I'll do is I'll I'll pop it in the calendar to basically twelve months time. We'll touch base with you at the beginning of next year, and we can get that removed and get that reduced, which will be fantastic. Yep. So with with the insurance policy, it's obviously there to make sure that we're covering out the nearly half 1,000,000 debt. It covers any home renovations that need to happen under the TPD cover. You know? Because if you're totally impairment disabled, you know, need to make sure that you have the capacity to either have a vehicle or home modifications that Yeah. allow Yeah. you to live comfortably. It replaces your cost of living each year over the next eighteen years until you hit that retirement age you were looking for, and that's how we got to that million dollars worth of need for that for that cover. With with that, what what we would wanna look at doing is getting, like, the so Zurich to ensure that works best for your occupation, your dem it's like your demographic as a whole. So when when we look at insurance, we look at tailoring insurance, we look at multiple insurers, and and we wanna make sure that we're obviously tailoring the product to best suit you from a premium speech perspective. Zurich does that. Not only not only did with your income protection policy, it's thirty day waiting period, but most insurers actually pay income protection at the end of the first month. So with your your policy, that would generally see that you wouldn't get your first monthly payment until day 60 of you being off work. Zurich actually do a day fifteen payment. So it means that you would only be basically four to five days off work before you receive your first month's payment. Yep. Paid. It's definitely based on the service, like, the service period that you have to be off work before the policy kicks in.","start_word":2079,"end_word":2417,"sentiment":"neutral","sentiment_score":0.10705477381702018},{"text":"They also have a really great partial benefit.","start_word":2418,"end_word":2425,"sentiment":"positive","sentiment_score":0.49120765924453735},{"text":"So if you're, you know, partially incapacitated from your job and you, you know, you serve seven out of twelve days off work, you can actually go through a partial claim benefit as well.","start_word":2426,"end_word":2459,"sentiment":"neutral","sentiment_score":0.3152786195278168},{"text":"So there's a lot of good features with the products that enable you to have claims where other products may not enable you to have claims.","start_word":2460,"end_word":2485,"sentiment":"positive","sentiment_score":0.3878233730792999},{"text":"And, you know, it's obviously really important to make sure that you have, you know, continuation of income being that, you know, your income is the sole income to keep you sustained. There's no other, you know, income resources coming in, so we wanna make sure that that's all all covered on that side. Does that all make sense, and and are you following so Yeah. Yep. far? All Yeah.","start_word":2486,"end_word":2555,"sentiment":"neutral","sentiment_score":0.15665003657341003},{"text":"good. Cool.","start_word":2556,"end_word":2557,"sentiment":"positive","sentiment_score":0.441049188375473},{"text":"So with with the the insurance, what we would need to do is go through an insurance application. So what I would schedule in with you is for one of my team to reach out to you and go through the application where you would disclose your medical and health history, family history. That would get issued to Zurich. Zurich would basically then assess you as an individual person to ensure that overall, you know, they have to take on the risk of your policy. That means the company has a lot easier for a process. We could already disclose any previous health concerns. And, you know, not trying to dig through Yeah. your Yeah. process get through that, but my team will, you know, walk you through that to make it as possible. You can, I've you know, done join it before. your way to work. Yeah.","start_word":2558,"end_word":2705,"sentiment":"neutral","sentiment_score":0.10020466148853302},{"text":"Perfect.","start_word":2706,"end_word":2706,"sentiment":"positive","sentiment_score":0.35588276386260986},{"text":"So that's basically, like, the crux of the, like, main advice is, like, superannuation, you know, change the investment, salary sacrifice arrangement, and then we'll send you a letter to your employer to sign the payments. I know you're the account manager, so that just speak to making that alteration. No. It will be, yeah, it will be the office people. Yeah.","start_word":2707,"end_word":2768,"sentiment":"neutral","sentiment_score":0.07294422988930056},{"text":"That's all So good.","start_word":2769,"end_word":2772,"sentiment":"positive","sentiment_score":0.5259848833084106},{"text":"and then and then we do insurance that patient. Aside from that, the one thing we wanna wanna look at being done is just some state planning. Currently, with your, like, with your superannuation with the insurance policy as well, there's no one that that, you know, you've identified or that we can identify that would suitably and, like, be a beneficiary that's valid. And the reason for that is that superannuation legislation has very, very finite allowances for who can be, like, nominated. So it has to be, like, a spouse, a child, or a financial dependent. So very, very limited definitions allowable. A will, like, a last will and testament, Yep. will enable you to nominate whomever you actually want. So whether that's the neighbor that you've had for twenty years or your best mate, you can nominate them and have autonomy over who and where you want your money to go irrespective of any other, you know, requirements. So for that, Yep. what we would do is your superannuation and your insurance policy would actually become part of your estate, which means that upon your death, both of those, you know, benefits or any money that's left within those those funds would be paid through to your estate, so your will, and your will would be the deciding document as to where that money is going to be sent to. So whether you wanted to donate to Carrie for argument's sake, then you could Yeah. I nominate can. Yeah. that within your will. So it's definitely important to make sure that we do make that nomination just purely and simply because it is a bit of money that we're dealing with and that if anything does happen, you know, you have the decision to make You have the right to make the decision on where that money goes and who receives it. Ultimately, Yeah. you can make the decision to not have a will. It just means that if there's anyone that you don't like, they may be able to get their hands on the money depending on your complexity and a current point of view. Yeah. Obviously, Okay. from an expense, there are alternatives that are available. There are online services such as WILED and other services like that. There are also services that you can access such as the public trustee. The public trustee actually has services that are available. You should book in with them and get, like, a will and power of attorney drawn up with them for free. Generally, they have, like, three to six month wait time to get that done, but that's something that is available as well that you you may be able to access. So there's I've plenty actually of got I've got a wheel on the bench at home that my mom just gave me to fill out, so I'll get on to that. Yeah. Yeah. I was gonna say and there's, like, will kits and stuff like that. So, Yeah. yeah, definitely, something like that. Just follow the kit's instructions, making sure to complete it, have it witnessed properly. Every page needs to be witnessed by the same people. It means that, basically, there's Yep. three of you that stand in the circle and you complete you know, you would sign and they would sign the pages as you go through.","start_word":2773,"end_word":3337,"sentiment":"neutral","sentiment_score":0.08636921644210815},{"text":"So, yeah, that's absolutely. That's what we can do.","start_word":3338,"end_word":3346,"sentiment":"positive","sentiment_score":0.411572128534317},{"text":"I just had to send it to your data who will be nominated and then keep the keep the renewal in your location. But, absolutely, you can execute one independently. So, Yep. yeah, that's that's basically the advice as a whole. If you are happy with the advice and you wanna proceed, you've already got the documents that I issued to you yesterday. So Yep. you're able to go through and have a look at them. It's just it's a few financial statement of advice.","start_word":3347,"end_word":3431,"sentiment":"neutral","sentiment_score":0.20473141968250275},{"text":"It may have found its way to your junk folder because you've never received an email from this system before.","start_word":3432,"end_word":3451,"sentiment":"negative","sentiment_score":-0.39808735251426697},{"text":"We've moved over to a new, like, CRM system, and it just capacity to be able to send you signed documents and have them load straight back to your file at the same time. So it may have found its way to your junk folder, but No.","start_word":3452,"end_word":3498,"sentiment":"neutral","sentiment_score":0.034472282975912094},{"text":"I've got it. It's cancer.","start_word":3499,"end_word":3503,"sentiment":"negative","sentiment_score":-0.6649911999702454},{"text":"I'll oh, just perfect. I'll just check now. It's from yep. Okay. Larissa.","start_word":3504,"end_word":3516,"sentiment":"neutral","sentiment_score":0.07599199563264847},{"text":"All good.","start_word":3517,"end_word":3518,"sentiment":"positive","sentiment_score":0.3870534896850586},{"text":"Yeah. Yeah.","start_word":3519,"end_word":3520,"sentiment":"neutral","sentiment_score":0.24522365629673004},{"text":"Oh, cool. It comes through with my name. That's cool. So so yeah.","start_word":3521,"end_word":3533,"sentiment":"positive","sentiment_score":0.4716059863567352},{"text":"So take your time. Have a look over the documents. And then if you have any questions, you can definitely give us a call. But, otherwise, it's pretty straightforward. And as soon as you sign them, we will get everything start like, started implementing. I guess the only Yep. question I really have for you is, I guess, best time available that I can get my team to reach out and go through that insurance Probably a Tuesday would be better. Yeah. Yeah. I just don't visit as many customers and stuff on Tuesdays, so I can take calls easier. Absolutely. Yeah. Alright. Like, a Tuesday morning before, like, the day really starts kicking in? Yeah. That'll be fine. Yep. Yeah. Because, like, theoretically, I can do as early as, like, 09:00 your time. Yeah. That will work. Yep. Yeah. Okay. Well, what I'll do is I'll tentatively put it I'll get in for, say, next Tuesday at 9AM all time. And then if we haven't received the signed documents back, we'll just touch base with you at that time, and we can always reschedule just in case you haven't had a chance to read and sign them over the weekend. Yep. Alright.","start_word":3534,"end_word":3736,"sentiment":"neutral","sentiment_score":0.10818979144096376},{"text":"That'd be good.","start_word":3737,"end_word":3739,"sentiment":"positive","sentiment_score":0.33439430594444275},{"text":"No. Perfect. I'll book that in, and it'll be that gives you a call. He's my insurance go to, so he'll give you a call on Tuesday. Okeydokey.","start_word":3740,"end_word":3767,"sentiment":"neutral","sentiment_score":0.15287906676530838},{"text":"Sounds good. Perfect.","start_word":3768,"end_word":3770,"sentiment":"positive","sentiment_score":0.7161886096000671},{"text":"Were there any questions at all, Wade? No. No.","start_word":3771,"end_word":3779,"sentiment":"neutral","sentiment_score":0.1857576072216034},{"text":"That's all good. Thanks for explaining everything. Absolutely. My pleasure. I'll speak to you next Tuesday. Have a great rest of your day, and have a great weekend. You too. Thanks very much. Bye.","start_word":3780,"end_word":3813,"sentiment":"positive","sentiment_score":0.6764437556266785},{"text":"Bye.","start_word":3814,"end_word":3814,"sentiment":"neutral","sentiment_score":0.2893008589744568},{"text":"See you.","start_word":3815,"end_word":3816,"sentiment":"positive","sentiment_score":0.362501859664917},{"text":"Bye.","start_word":3817,"end_word":3817,"sentiment":"neutral","sentiment_score":0.19614331424236295}],"average":{"sentiment":"neutral","sentiment_score":0.1282230402072545}}}}