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Do you still have a bit of time? Perfect. So I'm gonna pop that through your email now just while it's coming through. Will you better look on to it with me, or should I just walk you through it over the phone? Yeah. That's okay. I'll leave it with you to kind of have a read afterwards as well just to make sure you're comfortable with it. But just while that's popping through to you, can I please confirm your date of birth and address for security? Sensational. Thank you for that. Alrighty. So that's going through to your Hotmail address. And when you grab that up, there's a little purple button that says sign. It'll basically just bring up three documents for us to scroll through together. I only just wanna walk you through the one today because the other ones are just extra research and a quote as well. Cool. So in that first document, you should be able to see it's like a beachfront city picture looking like the Gold Coast on it. Yeah. Cool. And it should say statement of advice with my licensing details. Can you see that? Great. So no. You're right. If you have trouble scrolling around and and the figures are a bit small, that's totally fine. I'm gonna explain it anyways. But basically, on page three and four, we've got the scope of advice basically showing what this document covers and what this document doesn't cover in terms of advice for today. Now, basically, what we were doing was we talked through the super. We'd already updated the investments inside the super so that was getting back on track, And we were just trying to get the insurance premiums down because, you know, we lower the income protection, and we're gonna kick out the the waiting period a little bit just to lower the premium. Does that ring a bell? Perfect. The only other thing is I'll put in some reminders there for, like, wills and powers of attorney and everything, and I've factored in the impact the reduced premiums have on your super. But, again, we're not giving you any sort of budgeting advice or debt management advice because, obviously, you're looking after the repayments yourself, and we can always look at, you know, additional contributions down the line. Cool. Now what I wanted to do is if you pop through so we've got the about you section on page eight and nine. If you have a bit of a fast scroll through for me, I don't believe you probably had any major changes since I last spoke to you. So so we just got, again, the home, the car, the boat, farming equipment, some shares, bit of cash, and you're still doing the mechanic work on the farms. Yeah. Beauty. Now one thing I wanted to point out is on page 10, we've got your current policy for Nios with the life of TPD, the income protection, and that is going up to about six four. You scroll past there. We've got your risk profile. Yep. High growth. That's still the same. Keep going past that. And then you've got strategy recommendations on page 13. Blue headache. Cool. So the kicking out of the waiting period at 90, still leaving the cover amount benefit period the same, that drops the premium by about a thousand dollars. Right? Now I've factored that into your super. So on page 15, I've just got a little bit of an updated projection there. It's a bit of a small table, But it's just got five years and ten years, and it just talks about with the current premiums, the new premiums, and if you have no insurances at all, what the projections are looking like. Yep. Now one thing I wanted to point out. So when you go through a, like, a a reduction, there's no underwriting. We basically just submit a quote and they just reduce it, and then they give you a pro rata refund back to your account. Now the other thing I I looked at was I had a squiz at some other insurers as well, and I was trying to hunt around to find if I could get something cheaper elsewhere. I did find a couple that were possibly gonna be another thousand dollars off under Clearview and AIA, which would be like a full application to replace it all. But they were kind of threading it a bit thin when it comes to the occupation rating, where on one side it was getting close, the other side it wasn't. Can I just ask you when it comes to your duties and everything? So, obviously, you do the mechanic work and everything, but do you actually still like driving in tractors or anything like that? Yeah. Okay. Cool. So the moment they had the the tractor driving, they dropped it to bloody labor, and it bumped the premiums up a couple of grand. If at any point you're just doing the mechanic work, there is two providers that are more affordable. So at this point, I'm just saying, look, let's reduce the premiums through Mayotte at the moment. And if we get to a point where the occupation duties tick the boxes, we do have alternatives out there as well to look at. Cool. Now does all that make sense? Do you have any questions for me so far? So everything else in that document is pretty much just some updated figures for the super. Again, there's been no changes. We're just using the same portfolio at the moment, which is looking much better. And the only other thing I wanted to just quickly touch on with you was just your beneficiary nomination for the life insurance. Neil says the it's slightly weird with it. Normally, you've got a legally binding nomination for your partner that doesn't expire. So it's a binding nonlapsing. Now Neil says this funky thing where they only do legally binding nominations for three years, and then it converts to a non binding and just continues on past that point. So all I've included in there is if you wanted to, we could refresh it, and you'd have to refresh it every three years for the nomination to be fully binding. But if the only other person you've got is your partner, they would still receive it anyway. So I just wanted to quickly bring that to your attention in case you wanted to go through that form every three years. Or if not, we'll just leave it as is because she is still nominated. Yeah. Beautiful. Beautiful. Mate, past that point, is there anything else that I can sort of work on for you at the moment, or is it more just a matter of let's get the premiums down, see how the super goes for a while, and then catch up in the new year? Yep. Cool. Again, I will continuously check with you if there's anything I can do to keep a lid on the premiums. At this point, this will kick it out a little bit and save us for a couple of years. If I can find anything to switch to, I'll let you know, but it really just depends on, again, occupation. Cool. So just to leave that with you, that's the advice document. There is an authority to proceed to sign on that one. The other document is the quote itself. So if you sign that one, we can basically submit it straight away, and they'll give you the refund. And the third document is just the appendix with all the research we did for all the insurance. Awesome, mate. Are you okay for me to leave that with you to sign in your own file? Cool. Any other questions for me before I let you go for the weekend? Cool. If anything else pops up, man, just give us a bell. And if not, I've got your penciled in for that next capture. Fantastic, Sean. Have a great weekend, mate, and thank you for your time this morning. Cheers. 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day, Sean. Tommy here from OPM, and happy Friday. Right. Living the dream so far. I've got a bit of an updated strategy to flick through to you for the insurances we were talking about.\n\nDo you still have a bit of time? Perfect. So I'm gonna pop that through your email now just while it's coming through. Will you better look on to it with me, or should I just walk you through it over the phone? Yeah.\n\nThat's okay. I'll leave it with you to kind of have a read afterwards as well just to make sure you're comfortable with it. But just while that's popping through to you, can I please confirm your date of birth and address for security? Sensational. Thank you for that.\n\nAlrighty. So that's going through to your Hotmail address. And when you grab that up, there's a little purple button that says sign. It'll basically just bring up three documents for us to scroll through together. I only just wanna walk you through the one today because the other ones are just extra research and a quote as well.\n\nCool. So in that first document, you should be able to see it's like a beachfront city picture looking like the Gold Coast on it. Yeah. Cool. And it should say statement of advice with my licensing details.\n\nCan you see that? Great. So no. You're right. If you have trouble scrolling around and and the figures are a bit small, that's totally fine.\n\nI'm gonna explain it anyways. But basically, on page three and four, we've got the scope of advice basically showing what this document covers and what this document doesn't cover in terms of advice for today. Now, basically, what we were doing was we talked through the super. We'd already updated the investments inside the super so that was getting back on track, And we were just trying to get the insurance premiums down because, you know, we lower the income protection, and we're gonna kick out the the waiting period a little bit just to lower the premium. Does that ring a bell?\n\nPerfect. The only other thing is I'll put in some reminders there for, like, wills and powers of attorney and everything, and I've factored in the impact the reduced premiums have on your super. But, again, we're not giving you any sort of budgeting advice or debt management advice because, obviously, you're looking after the repayments yourself, and we can always look at, you know, additional contributions down the line. Cool. Now what I wanted to do is if you pop through so we've got the about you section on page eight and nine.\n\nIf you have a bit of a fast scroll through for me, I don't believe you probably had any major changes since I last spoke to you. So so we just got, again, the home, the car, the boat, farming equipment, some shares, bit of cash, and you're still doing the mechanic work on the farms. Yeah. Beauty. Now one thing I wanted to point out is on page 10, we've got your current policy for Nios with the life of TPD, the income protection, and that is going up to about six four.\n\nYou scroll past there. We've got your risk profile. Yep. High growth. That's still the same.\n\nKeep going past that. And then you've got strategy recommendations on page 13. Blue headache. Cool. So the kicking out of the waiting period at 90, still leaving the cover amount benefit period the same, that drops the premium by about a thousand dollars.\n\nRight? Now I've factored that into your super. So on page 15, I've just got a little bit of an updated projection there. It's a bit of a small table, But it's just got five years and ten years, and it just talks about with the current premiums, the new premiums, and if you have no insurances at all, what the projections are looking like. Yep.\n\nNow one thing I wanted to point out. So when you go through a, like, a a reduction, there's no underwriting. We basically just submit a quote and they just reduce it, and then they give you a pro rata refund back to your account. Now the other thing I I looked at was I had a squiz at some other insurers as well, and I was trying to hunt around to find if I could get something cheaper elsewhere. I did find a couple that were possibly gonna be another thousand dollars off under Clearview and AIA, which would be like a full application to replace it all.\n\nBut they were kind of threading it a bit thin when it comes to the occupation rating, where on one side it was getting close, the other side it wasn't. Can I just ask you when it comes to your duties and everything? So, obviously, you do the mechanic work and everything, but do you actually still like driving in tractors or anything like that? Yeah. Okay.\n\nCool. So the moment they had the the tractor driving, they dropped it to bloody labor, and it bumped the premiums up a couple of grand. If at any point you're just doing the mechanic work, there is two providers that are more affordable. So at this point, I'm just saying, look, let's reduce the premiums through Mayotte at the moment. And if we get to a point where the occupation duties tick the boxes, we do have alternatives out there as well to look at.\n\nCool. Now does all that make sense? Do you have any questions for me so far? So everything else in that document is pretty much just some updated figures for the super. Again, there's been no changes.\n\nWe're just using the same portfolio at the moment, which is looking much better. And the only other thing I wanted to just quickly touch on with you was just your beneficiary nomination for the life insurance. Neil says the it's slightly weird with it. Normally, you've got a legally binding nomination for your partner that doesn't expire. So it's a binding nonlapsing.\n\nNow Neil says this funky thing where they only do legally binding nominations for three years, and then it converts to a non binding and just continues on past that point. So all I've included in there is if you wanted to, we could refresh it, and you'd have to refresh it every three years for the nomination to be fully binding. But if the only other person you've got is your partner, they would still receive it anyway. So I just wanted to quickly bring that to your attention in case you wanted to go through that form every three years. Or if not, we'll just leave it as is because she is still nominated.\n\nYeah. Beautiful. Beautiful. Mate, past that point, is there anything else that I can sort of work on for you at the moment, or is it more just a matter of let's get the premiums down, see how the super goes for a while, and then catch up in the new year? Yep.\n\nCool. Again, I will continuously check with you if there's anything I can do to keep a lid on the premiums. At this point, this will kick it out a little bit and save us for a couple of years. If I can find anything to switch to, I'll let you know, but it really just depends on, again, occupation. Cool.\n\nSo just to leave that with you, that's the advice document. There is an authority to proceed to sign on that one. The other document is the quote itself. So if you sign that one, we can basically submit it straight away, and they'll give you the refund. And the third document is just the appendix with all the research we did for all the insurance.\n\nAwesome, mate. Are you okay for me to leave that with you to sign in your own file? Cool. Any other questions for me before I let you go for the weekend? Cool.\n\nIf anything else pops up, man, just give us a bell. And if not, I've got your penciled in for that next capture. Fantastic, Sean. Have a great weekend, mate, and thank you for your time this morning. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good day, Sean.","start":3.28,"end":4.0,"sentiment":"positive","sentiment_score":0.5645449161529541},{"text":"Tommy here from OPM, and happy Friday.","start":4.0,"end":6.1,"sentiment":"positive","sentiment_score":0.5592285564967564},{"text":"Right.","start":9.76,"end":10.24,"sentiment":"positive","sentiment_score":0.5680323839187622},{"text":"Living the dream so far.","start":10.24,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6900450468063355},{"text":"I've got a bit of an updated strategy to flick through to you for the insurances we were talking about.","start":11.5199995,"end":17.025,"sentiment":"neutral","sentiment_score":0.28539638593792915}],"sentiment":"positive","sentiment_score":0.4259561105734772,"num_words":36,"start":3.28,"end":17.025},{"sentences":[{"text":"Do you still have a bit of time?","start":17.025,"end":18.325,"sentiment":"neutral","sentiment_score":0.0555917639285326},{"text":"Perfect.","start":20.625,"end":21.125,"sentiment":"positive","sentiment_score":0.6779606938362122},{"text":"So I'm gonna pop that through your email now just while it's coming through.","start":21.345001,"end":24.865,"sentiment":"neutral","sentiment_score":0.29842944017478396},{"text":"Will you better look on to it with me, or should I just walk you through it over the phone?","start":24.865,"end":29.125,"sentiment":"neutral","sentiment_score":0.15208437629044055},{"text":"Yeah.","start":33.8,"end":34.04,"sentiment":"neutral","sentiment_score":0.1452043354511261}],"sentiment":"neutral","sentiment_score":0.19289997338571332,"num_words":44,"start":17.025,"end":34.04},{"sentences":[{"text":"That's okay.","start":34.04,"end":34.78,"sentiment":"neutral","sentiment_score":0.24871623516082764},{"text":"I'll leave it with you to kind of have a read afterwards as well just to make sure you're comfortable with it.","start":35.08,"end":39.96,"sentiment":"neutral","sentiment_score":0.19551787999543277},{"text":"But just while that's popping through to you, can I please confirm your date of birth and address for security?","start":39.96,"end":46.255,"sentiment":"neutral","sentiment_score":0.03762281942181289},{"text":"Sensational.","start":54.555,"end":55.055,"sentiment":"neutral","sentiment_score":0.22335806488990784},{"text":"Thank you for that.","start":55.275,"end":56.335,"sentiment":"positive","sentiment_score":0.6730085164308548}],"sentiment":"neutral","sentiment_score":0.17278927243409717,"num_words":49,"start":34.04,"end":56.335},{"sentences":[{"text":"Alrighty.","start":58.260002,"end":58.760002,"sentiment":"positive","sentiment_score":0.3796682059764862},{"text":"So that's going through to your Hotmail address.","start":59.06,"end":62.120003,"sentiment":"neutral","sentiment_score":0.25248063914477825},{"text":"And when you grab that up, there's a little purple button that says sign.","start":65.380005,"end":69.885,"sentiment":"neutral","sentiment_score":0.10281485851321902},{"text":"It'll basically just bring up three documents for us to scroll through together.","start":69.885,"end":73.58501,"sentiment":"neutral","sentiment_score":0.16160709181657204},{"text":"I only just wanna walk you through the one today because the other ones are just extra research and a quote as well.","start":74.045006,"end":80.705,"sentiment":"neutral","sentiment_score":0.20674279137797977}],"sentiment":"neutral","sentiment_score":0.18126945311235168,"num_words":59,"start":58.260002,"end":80.705},{"sentences":[{"text":"Cool.","start":91.26,"end":91.58,"sentiment":"positive","sentiment_score":0.35677146911621094},{"text":"So in that first document, you should be able to see it's like a beachfront city picture looking like the Gold Coast on it.","start":91.58,"end":101.315,"sentiment":"neutral","sentiment_score":0.2251581042073667},{"text":"Yeah.","start":101.315,"end":101.635,"sentiment":"neutral","sentiment_score":0.1545180380344391},{"text":"Cool.","start":101.635,"end":101.875,"sentiment":"neutral","sentiment_score":0.2365219444036484},{"text":"And it should say statement of advice with my licensing details.","start":101.875,"end":104.855,"sentiment":"neutral","sentiment_score":0.10947259041396054}],"sentiment":"neutral","sentiment_score":0.19357380123907014,"num_words":38,"start":91.26,"end":104.855},{"sentences":[{"text":"Can you see that?","start":105.155,"end":106.215004,"sentiment":"neutral","sentiment_score":0.0711007621139288},{"text":"Great.","start":109.395004,"end":109.715004,"sentiment":"positive","sentiment_score":0.3391786813735962},{"text":"So no.","start":109.715004,"end":111.920006,"sentiment":"neutral","sentiment_score":0.06416941806674004},{"text":"You're right.","start":111.920006,"end":112.66,"sentiment":"neutral","sentiment_score":0.062020834535360336},{"text":"If you have trouble scrolling around and and the figures are a bit small, that's totally fine.","start":112.72,"end":117.600006,"sentiment":"neutral","sentiment_score":-0.06298768827143837}],"sentiment":"neutral","sentiment_score":-0.007493402522343855,"num_words":26,"start":105.155,"end":117.600006},{"sentences":[{"text":"I'm gonna explain it anyways.","start":117.600006,"end":118.98,"sentiment":"neutral","sentiment_score":0.011676894780248404},{"text":"But basically, on page three and four, we've got the scope of advice basically showing what this document covers and what this document doesn't cover in terms of advice for today.","start":119.200005,"end":129.935,"sentiment":"neutral","sentiment_score":-0.06666249319189979},{"text":"Now, basically, what we were doing was we talked through the super.","start":132.715,"end":135.595,"sentiment":"neutral","sentiment_score":-0.022107543889433146},{"text":"We'd already updated the investments inside the super so that was getting back on track, And we were just trying to get the insurance premiums down because, you know, we lower the income protection, and we're gonna kick out the the waiting period a little bit just to lower the premium.","start":135.595,"end":149.82,"sentiment":"neutral","sentiment_score":0.12931233688312418},{"text":"Does that ring a bell?","start":149.82,"end":150.96,"sentiment":"neutral","sentiment_score":0.11024067103862763}],"sentiment":"neutral","sentiment_score":0.046852780716457904,"num_words":104,"start":117.600006,"end":150.96},{"sentences":[{"text":"Perfect.","start":154.125,"end":154.625,"sentiment":"positive","sentiment_score":0.7243630290031433},{"text":"The only other thing is I'll put in some reminders there for, like, wills and powers of attorney and everything, and I've factored in the impact the reduced premiums have on your super.","start":154.925,"end":164.445,"sentiment":"neutral","sentiment_score":0.15436157245527615},{"text":"But, again, we're not giving you any sort of budgeting advice or debt management advice because, obviously, you're looking after the repayments yourself, and we can always look at, you know, additional contributions down the line.","start":164.445,"end":176.01,"sentiment":"neutral","sentiment_score":-0.06152963120904234},{"text":"Cool.","start":179.03,"end":179.51,"sentiment":"neutral","sentiment_score":0.24321621656417847},{"text":"Now what I wanted to do is if you pop through so we've got the about you section on page eight and nine.","start":179.51,"end":184.64499,"sentiment":"neutral","sentiment_score":0.07447895067541496}],"sentiment":"neutral","sentiment_score":0.059143194453196324,"num_words":94,"start":154.125,"end":184.64499},{"sentences":[{"text":"If you have a bit of a fast scroll through for me, I don't believe you probably had any major changes since I last spoke to you.","start":184.64499,"end":190.985,"sentiment":"neutral","sentiment_score":-0.07888817711284866},{"text":"So so we just got, again, the home, the car, the boat, farming equipment, some shares, bit of cash, and you're still doing the mechanic work on the farms.","start":194.98999,"end":205.09,"sentiment":"neutral","sentiment_score":-0.03933118264479884},{"text":"Yeah.","start":206.445,"end":206.945,"sentiment":"neutral","sentiment_score":0.15578418970108032},{"text":"Beauty.","start":207.96501,"end":208.46501,"sentiment":"neutral","sentiment_score":0.1869203895330429},{"text":"Now one thing I wanted to point out is on page 10, we've got your current policy for Nios with the life of TPD, the income protection, and that is going up to about six four.","start":208.60501,"end":220.065,"sentiment":"neutral","sentiment_score":0.03827565939476093}],"sentiment":"neutral","sentiment_score":-0.016488901715963445,"num_words":94,"start":184.64499,"end":220.065},{"sentences":[{"text":"You scroll past there.","start":222.15001,"end":223.67001,"sentiment":"neutral","sentiment_score":-0.00023285928182303905},{"text":"We've got your risk profile.","start":223.67001,"end":224.87001,"sentiment":"neutral","sentiment_score":-0.005719245364889503},{"text":"Yep.","start":224.87001,"end":225.19,"sentiment":"neutral","sentiment_score":0.01802356168627739},{"text":"High growth.","start":225.19,"end":225.59001,"sentiment":"neutral","sentiment_score":0.0040205372497439384},{"text":"That's still the same.","start":225.59001,"end":226.97,"sentiment":"neutral","sentiment_score":0.002768076490610838}],"sentiment":"neutral","sentiment_score":0.00047557988727930933,"num_words":16,"start":222.15001,"end":226.97},{"sentences":[{"text":"Keep going past that.","start":227.27,"end":228.55,"sentiment":"neutral","sentiment_score":-0.0003790813498198986},{"text":"And then you've got strategy recommendations on page 13.","start":228.55,"end":232.49,"sentiment":"neutral","sentiment_score":0.011423879613478979},{"text":"Blue headache.","start":232.71,"end":233.53,"sentiment":"neutral","sentiment_score":-0.02833513729274273},{"text":"Cool.","start":237.315,"end":237.635,"sentiment":"neutral","sentiment_score":0.15789301693439484},{"text":"So the kicking out of the waiting period at 90, still leaving the cover amount benefit period the same, that drops the premium by about a thousand dollars.","start":237.635,"end":247.97499,"sentiment":"neutral","sentiment_score":0.04025255862091269}],"sentiment":"neutral","sentiment_score":0.03021802215582945,"num_words":44,"start":227.27,"end":247.97499},{"sentences":[{"text":"Right?","start":251.2,"end":251.44,"sentiment":"neutral","sentiment_score":0.05480831116437912},{"text":"Now I've factored that into your super.","start":251.44,"end":255.36,"sentiment":"neutral","sentiment_score":0.09543761078800474},{"text":"So on page 15, I've just got a little bit of an updated projection there.","start":255.36,"end":260.0,"sentiment":"neutral","sentiment_score":0.03510688667496045},{"text":"It's a bit of a small table, But it's just got five years and ten years, and it just talks about with the current premiums, the new premiums, and if you have no insurances at all, what the projections are looking like.","start":260.0,"end":272.31497,"sentiment":"neutral","sentiment_score":-0.00999609496267069},{"text":"Yep.","start":275.11,"end":275.61,"sentiment":"neutral","sentiment_score":0.17759650945663452}],"sentiment":"neutral","sentiment_score":0.01526114254286795,"num_words":66,"start":251.2,"end":275.61},{"sentences":[{"text":"Now one thing I wanted to point out.","start":275.67,"end":277.35,"sentiment":"neutral","sentiment_score":0.10213804617524147},{"text":"So when you go through a, like, a a reduction, there's no underwriting.","start":277.35,"end":282.17,"sentiment":"neutral","sentiment_score":0.14394362958577964},{"text":"We basically just submit a quote and they just reduce it, and then they give you a pro rata refund back to your account.","start":282.55,"end":293.88498,"sentiment":"neutral","sentiment_score":0.20744521481295428},{"text":"Now the other thing I I looked at was I had a squiz at some other insurers as well, and I was trying to hunt around to find if I could get something cheaper elsewhere.","start":294.185,"end":304.205,"sentiment":"neutral","sentiment_score":-0.05184795462659427},{"text":"I did find a couple that were possibly gonna be another thousand dollars off under Clearview and AIA, which would be like a full application to replace it all.","start":305.12,"end":315.94,"sentiment":"neutral","sentiment_score":0.0576782129576494}],"sentiment":"neutral","sentiment_score":0.06903712360888993,"num_words":109,"start":275.67,"end":315.94},{"sentences":[{"text":"But they were kind of threading it a bit thin when it comes to the occupation rating, where on one side it was getting close, the other side it wasn't.","start":316.08,"end":325.715,"sentiment":"negative","sentiment_score":-0.338764596482118},{"text":"Can I just ask you when it comes to your duties and everything?","start":325.935,"end":330.195,"sentiment":"neutral","sentiment_score":-0.05221056336393723},{"text":"So, obviously, you do the mechanic work and everything, but do you actually still like driving in tractors or anything like that?","start":330.72,"end":337.06,"sentiment":"neutral","sentiment_score":-0.06006518455052918},{"text":"Yeah.","start":339.92,"end":340.24002,"sentiment":"neutral","sentiment_score":0.07131704688072205},{"text":"Okay.","start":340.24002,"end":340.72,"sentiment":"neutral","sentiment_score":0.1637830138206482}],"sentiment":"neutral","sentiment_score":-0.1780299883224626,"num_words":67,"start":316.08,"end":340.72},{"sentences":[{"text":"Cool.","start":340.72,"end":341.2,"sentiment":"positive","sentiment_score":0.35300755500793457},{"text":"So the moment they had the the tractor driving, they dropped it to bloody labor, and it bumped the premiums up a couple of grand.","start":341.2,"end":349.015,"sentiment":"neutral","sentiment_score":0.07618493273854256},{"text":"If at any point you're just doing the mechanic work, there is two providers that are more affordable.","start":350.43503,"end":356.135,"sentiment":"neutral","sentiment_score":0.14012982406549984},{"text":"So at this point, I'm just saying, look, let's reduce the premiums through Mayotte at the moment.","start":356.595,"end":361.77,"sentiment":"neutral","sentiment_score":0.1550524445141063},{"text":"And if we get to a point where the occupation duties tick the boxes, we do have alternatives out there as well to look at.","start":362.16998,"end":370.34998,"sentiment":"neutral","sentiment_score":0.12078491672873497}],"sentiment":"neutral","sentiment_score":0.12134281606521717,"num_words":86,"start":340.72,"end":370.34998},{"sentences":[{"text":"Cool.","start":374.40997,"end":374.72998,"sentiment":"positive","sentiment_score":0.3817583918571472},{"text":"Now does all that make sense?","start":374.72998,"end":375.84998,"sentiment":"neutral","sentiment_score":0.2869575098156929},{"text":"Do you have any questions for me so far?","start":375.84998,"end":377.655,"sentiment":"neutral","sentiment_score":0.10939919700225194},{"text":"So everything else in that document is pretty much just some updated figures for the super.","start":381.975,"end":387.115,"sentiment":"neutral","sentiment_score":0.1412876220420003},{"text":"Again, there's been no changes.","start":387.655,"end":389.115,"sentiment":"neutral","sentiment_score":0.09981407672166824}],"sentiment":"neutral","sentiment_score":0.1580477989203221,"num_words":37,"start":374.40997,"end":389.115},{"sentences":[{"text":"We're just using the same portfolio at the moment, which is looking much better.","start":389.255,"end":393.77002,"sentiment":"positive","sentiment_score":0.37130931126219885},{"text":"And the only other thing I wanted to just quickly touch on with you was just your beneficiary nomination for the life insurance.","start":394.31,"end":402.97,"sentiment":"neutral","sentiment_score":0.14118943654972574},{"text":"Neil says the it's slightly weird with it.","start":405.59,"end":408.01,"sentiment":"neutral","sentiment_score":-0.14098012493923306},{"text":"Normally, you've got a legally binding nomination for your partner that doesn't 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anyway.","start":440.665,"end":446.765,"sentiment":"neutral","sentiment_score":0.048019171089810485},{"text":"So I just wanted to quickly bring that to your attention in case you wanted to go through that form every three years.","start":446.905,"end":453.04,"sentiment":"neutral","sentiment_score":0.10447036523533904},{"text":"Or if not, we'll just leave it as is because she is still nominated.","start":453.1,"end":456.0,"sentiment":"neutral","sentiment_score":0.06338550190308265}],"sentiment":"neutral","sentiment_score":0.07119860398936374,"num_words":116,"start":418.075,"end":456.0},{"sentences":[{"text":"Yeah.","start":460.14,"end":460.54,"sentiment":"neutral","sentiment_score":0.1850014626979828},{"text":"Beautiful.","start":460.54,"end":461.04,"sentiment":"positive","sentiment_score":0.5773932337760925},{"text":"Beautiful.","start":461.42,"end":461.92,"sentiment":"positive","sentiment_score":0.6153131127357483},{"text":"Mate, past that point, is there anything else that I can sort of work on for you at the moment, or is it more just a matter of let's get the premiums down, see how the super goes for a while, and then catch up in the new year?","start":462.86002,"end":473.675,"sentiment":"neutral","sentiment_score":0.11559893973931974},{"text":"Yep.","start":478.56003,"end":478.88,"sentiment":"neutral","sentiment_score":0.16692954301834106}],"sentiment":"neutral","sentiment_score":0.136018592442544,"num_words":53,"start":460.14,"end":478.88},{"sentences":[{"text":"Cool.","start":478.88,"end":479.38,"sentiment":"neutral","sentiment_score":0.30876800417900085},{"text":"Again, I will continuously check with you if there's anything I can do to keep a lid on the premiums.","start":479.84003,"end":485.38,"sentiment":"neutral","sentiment_score":0.16039406433701514},{"text":"At this point, this will kick it out a little bit and save us for a couple of years.","start":485.44,"end":489.285,"sentiment":"neutral","sentiment_score":0.15432792235361903},{"text":"If I can find anything to switch to, I'll let you know, but it really just depends on, again, occupation.","start":490.245,"end":496.265,"sentiment":"neutral","sentiment_score":0.0027931438758969306},{"text":"Cool.","start":499.445,"end":499.945,"sentiment":"neutral","sentiment_score":0.2587183713912964}],"sentiment":"neutral","sentiment_score":0.11087641089421804,"num_words":61,"start":478.88,"end":499.945},{"sentences":[{"text":"So just to leave that with you, that's the advice document.","start":500.405,"end":503.20502,"sentiment":"neutral","sentiment_score":0.1214963434772058},{"text":"There is an authority to proceed to sign on that one.","start":503.20502,"end":506.03,"sentiment":"neutral","sentiment_score":0.10206667537038977},{"text":"The other document is the quote itself.","start":506.25,"end":508.65,"sentiment":"neutral","sentiment_score":0.0728749835065433},{"text":"So if you sign that one, we can basically submit it straight away, and they'll give you the 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Sean speaking. Yeah, man. Yep. Should be a bit of a look here to on the sign.\n\nThat's what I got in front of me. But What? But just August. Yep. Yep.\n\nYeah. It wasn't here. Yep. Think I clicked too fast. Yep.\n\nYep. Yep. No. Yep. Yep.\n\nYeah. Yeah. Yep. Alright. Yep.\n\nYep. Alright. Yep. No. It's supposed to be my consent tonight.\n\nYep. Yeah. Yeah. I just waited. Are you doing me?\n\nYeah. That's the plan of dispatch, man. Yep. Yep. Yep.\n\nHi. No worries. Yep. Yep. No drama.\n\nNo. Have a good night. Have a good day. Thank you. Yep.\n\nNo worries. No worries. Likewise. 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worries.","start":544.9609,"end":545.70087,"sentiment":"positive","sentiment_score":0.39116354286670685},{"text":"No worries.","start":550.7209,"end":551.1209,"sentiment":"positive","sentiment_score":0.34639550745487213},{"text":"Likewise.","start":551.1209,"end":551.6209,"sentiment":"positive","sentiment_score":0.3745325207710266},{"text":"Cheers.","start":551.6809,"end":552.1809,"sentiment":"positive","sentiment_score":0.5720378160476685}],"sentiment":"positive","sentiment_score":0.4036147395769755,"num_words":6,"start":544.9609,"end":552.1809}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Sean speaking.\n\nChannel 0: Good day, Sean. Tommy here from OPM, and happy Friday. Right. Living the dream so far. I've got a bit of an updated strategy to flick through to you for the insurances we were talking about.\n\nDo you still have a bit of time?\n\nChannel 1: Yeah, man. Yep.\n\nChannel 0: Perfect. So I'm gonna pop that through your email now just while it's coming through. Will you better look on to it with me, or should I just walk you through it over the phone?\n\nChannel 1: Should be a bit of a look here to on the sign. That's what I got in front of me. But\n\nChannel 0: Yeah. That's okay. I'll leave it with you to kind of have a read afterwards as well just to make sure you're comfortable with it.\n\nChannel 1: What?\n\nChannel 0: But just\n\nChannel 1: But\n\nChannel 0: while\n\nChannel 1: just\n\nChannel 0: that's popping through to you, can I please confirm your date of birth and address for security?\n\nChannel 1: August.\n\nChannel 0: Sensational. Thank you for that. Alrighty. So that's going through to your Hotmail address.\n\nChannel 1: Yep.\n\nChannel 0: And when you grab that up, there's a little purple button that says sign. It'll basically just bring up three documents for us to scroll through together. I only just wanna walk you through the one today because the other ones are just extra research and a quote as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So in that first document, you should be able to see it's like a beachfront city picture looking like the Gold\n\nChannel 1: Yeah. It\n\nChannel 0: Coast\n\nChannel 1: wasn't here. Yep.\n\nChannel 0: on it. Yeah. Cool. And it should say statement of advice with my licensing details. Can you see that?\n\nChannel 1: Think I clicked too\n\nChannel 0: Great.\n\nChannel 1: fast.\n\nChannel 0: So no. You're right. If you have trouble scrolling around and and the figures are a bit small, that's totally fine. I'm gonna explain it anyways. But basically, on page three and four, we've got the scope of advice basically showing what this document covers and what this document doesn't cover in terms of advice for today.\n\nChannel 1: Yep.\n\nChannel 0: Now, basically, what we were doing was we talked through the super. We'd already updated the investments inside the super so that was getting back on track, And we were just trying to get the insurance premiums down because, you know, we lower the income protection, and we're gonna kick out the the waiting period a little bit just to lower the premium. Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. The only other thing is I'll put in some reminders there for, like, wills and powers of attorney and everything, and I've factored in the impact the reduced premiums have on your super. But, again, we're not giving you any sort of budgeting advice or debt management advice because, obviously, you're looking after the repayments yourself, and we can always look at, you know, additional contributions down the line.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now what I wanted to do is if you pop through so we've got the about you section on page eight and nine. If you have a bit of a fast scroll through for me, I don't believe you probably had any major changes since I last spoke to you.\n\nChannel 1: No.\n\nChannel 0: So so we just got, again, the home, the car, the boat, farming equipment, some shares, bit of cash, and you're still doing the mechanic work on the farms.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beauty. Now one thing I wanted to point out is on page 10, we've got your current policy for Nios with the life of TPD, the income protection, and that is going up to about six four.\n\nChannel 1: Yep.\n\nChannel 0: You scroll past there. We've got your risk profile. Yep. High growth. That's still the same.\n\nKeep going past that. And then you've got strategy recommendations on page 13. Blue headache.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So the kicking out of the waiting period at 90, still leaving the cover amount benefit period the same, that drops the premium by about a thousand dollars.\n\nChannel 1: Yeah.\n\nChannel 0: Right? Now I've factored that into your super. So on page 15, I've just got a little bit of an updated projection there. It's a bit of a small table, But it's just got five years and ten years, and it just talks about with the current premiums, the new premiums, and if you have no insurances at all, what the projections\n\nChannel 1: Yep.\n\nChannel 0: are looking like.\n\nChannel 1: Alright.\n\nChannel 0: Yep. Now one thing I wanted to point out. So when you go through a, like, a a reduction, there's no underwriting. We basically just submit a quote and they just reduce it, and then they give you a pro rata refund back to your\n\nChannel 1: Yep.\n\nChannel 0: account. Now the other thing I I looked at was I had a squiz at some other insurers as well, and I was trying to hunt around to find if I could get something cheaper elsewhere. I did find a couple that were possibly gonna be another thousand dollars off under Clearview and AIA, which would be like a full application to replace it all. But they were kind of threading it a bit thin when it comes to the occupation rating, where on one side it was getting close, the other side it wasn't. Can I just ask you when it comes to your duties and everything?\n\nSo, obviously, you do the mechanic work and everything, but do you actually still like driving in tractors or anything like that?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Cool. So the moment they had the the tractor driving, they dropped it to bloody labor, and it bumped the premiums up a couple of grand.\n\nChannel 1: Alright.\n\nChannel 0: If at any point you're just doing the mechanic work, there is two providers that are more affordable. So at this point, I'm just saying, look, let's reduce the premiums through Mayotte at the moment. And if we get to a point where the occupation duties tick the boxes, we do have alternatives out there as well to look at.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now does all that make sense? Do you have any questions for me so far?\n\nChannel 1: No. It's supposed to be my consent tonight. Yep.\n\nChannel 0: So everything else in that document is pretty much just some updated figures for the super. Again, there's been no changes. We're just using the same portfolio at the moment, which is looking much better. And the only other thing I wanted to just quickly touch on with you was just your beneficiary nomination for the life insurance.\n\nChannel 1: Yeah.\n\nChannel 0: Neil says the it's slightly weird with it. Normally, you've got a legally binding nomination for your partner that doesn't expire. So it's a binding nonlapsing. Now Neil says this funky thing where they only do legally binding nominations for three years, and then it converts to a non binding and just continues on past that point. So all I've included in there is if you wanted to, we could refresh it, and you'd have to refresh it every three years for the nomination to be fully binding.\n\nBut if the only other person you've got is your partner, they would still receive it anyway. So I just wanted to quickly bring that to your attention in case you wanted to go through that form every three years. Or if not, we'll just leave it as is because she is still nominated.\n\nChannel 1: Yeah. I just waited. Are you doing me?\n\nChannel 0: Yeah. Beautiful. Beautiful. Mate, past that point, is there anything else that I can sort of work on for you at the moment, or is it more just a matter of let's get the premiums down, see how the super goes for a while, and then catch up in the new year?\n\nChannel 1: Yeah. That's the plan of dispatch, man.\n\nChannel 0: Yep. Cool. Again, I will continuously check with you if there's anything I can do to keep a lid on the premiums. At this point, this will kick it out a little bit and save us for a couple of years.\n\nChannel 1: Yep.\n\nChannel 0: If I can find anything to switch to, I'll let you know, but it really just depends on, again, occupation.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. So just to leave that with you, that's the advice document. There is an authority to proceed to sign on that one. The other document is the quote itself. So if you sign that one, we can basically submit it straight away, and they'll give you the refund.\n\nAnd the third document is just the appendix with all the research we did for all the insurance.\n\nChannel 1: Hi.\n\nChannel 0: Awesome, mate.\n\nChannel 1: No\n\nChannel 0: Are\n\nChannel 1: worries.\n\nChannel 0: you okay for me to leave that with you to sign in your own file?\n\nChannel 1: Yep. Yep. No drama.\n\nChannel 0: Cool. Any other questions for me before I let you go for the weekend?\n\nChannel 1: No. Have a good night. Have a good day. Thank you.\n\nChannel 0: Cool. If anything else pops up, man, just give us a bell. And if not, I've got your penciled in for that next capture.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Fantastic, Sean. Have a great weekend, mate, and thank you for your time this morning.\n\nChannel 1: No worries. Likewise. Cheers.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.52,"end":1.92,"sentiment":"neutral","sentiment_score":0.049281977117061615},{"text":"Sean speaking.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.06017700396478176}],"sentiment":"neutral","sentiment_score":0.056545328348875046,"channel":1,"num_words":3,"start":1.52,"end":2.74},{"sentences":[{"text":"Good day, Sean.","start":3.28,"end":4.0,"sentiment":"positive","sentiment_score":0.5645449161529541},{"text":"Tommy here from OPM, and happy Friday.","start":4.0,"end":6.1,"sentiment":"positive","sentiment_score":0.5592285564967564},{"text":"Right.","start":9.76,"end":10.24,"sentiment":"positive","sentiment_score":0.5680323839187622},{"text":"Living the dream so far.","start":10.24,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6900450468063355},{"text":"I've got a bit of an updated strategy to flick through to you for the insurances we were talking 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here.","start":98.855,"end":99.255005,"sentiment":"neutral","sentiment_score":0.014540932141244411},{"text":"Yep.","start":99.255005,"end":99.755005,"sentiment":"neutral","sentiment_score":0.05207816883921623}],"sentiment":"neutral","sentiment_score":0.027053344373901684,"channel":1,"num_words":3,"start":98.855,"end":99.755005},{"sentences":[{"text":"on it.","start":100.015,"end":101.315,"sentiment":"neutral","sentiment_score":0.06291326880455017},{"text":"Yeah.","start":101.315,"end":101.635,"sentiment":"neutral","sentiment_score":0.1545180380344391},{"text":"Cool.","start":101.635,"end":101.875,"sentiment":"neutral","sentiment_score":0.2365219444036484},{"text":"And it should say statement of advice with my licensing details.","start":101.875,"end":104.855,"sentiment":"neutral","sentiment_score":0.10947259041396054},{"text":"Can you see that?","start":105.155,"end":106.215004,"sentiment":"neutral","sentiment_score":0.0711007621139288}],"sentiment":"neutral","sentiment_score":0.10555095068718258,"channel":0,"num_words":19,"start":100.015,"end":106.215004},{"sentences":[{"text":"Think I clicked too","start":108.455,"end":109.415,"sentiment":"neutral","sentiment_score":0.008457928895950317}],"sentiment":"neutral","sentiment_score":0.008457928895950317,"channel":1,"num_words":4,"start":108.455,"end":109.415},{"sentences":[{"text":"Great.","start":109.395004,"end":109.715004,"sentiment":"positive","sentiment_score":0.3391786813735962}],"sentiment":"positive","sentiment_score":0.3391786813735962,"channel":0,"num_words":1,"start":109.395004,"end":109.715004},{"sentences":[{"text":"fast.","start":109.415,"end":109.915,"sentiment":"neutral","sentiment_score":0.2678707540035248}],"sentiment":"neutral","sentiment_score":0.2678707540035248,"channel":1,"num_words":1,"start":109.415,"end":109.915},{"sentences":[{"text":"So no.","start":109.715004,"end":111.920006,"sentiment":"neutral","sentiment_score":0.06416941806674004},{"text":"You're right.","start":111.920006,"end":112.66,"sentiment":"neutral","sentiment_score":0.062020834535360336},{"text":"If you have trouble scrolling around and and the figures are a bit small, that's totally fine.","start":112.72,"end":117.600006,"sentiment":"neutral","sentiment_score":-0.06298768827143837},{"text":"I'm gonna explain it anyways.","start":117.600006,"end":118.98,"sentiment":"neutral","sentiment_score":0.011676894780248404},{"text":"But basically, on page three and four, we've got the scope of advice basically showing what this document covers and what this document doesn't cover in terms of advice for today.","start":119.200005,"end":129.935,"sentiment":"neutral","sentiment_score":-0.06666249319189979}],"sentiment":"neutral","sentiment_score":-0.04958882474487549,"channel":0,"num_words":57,"start":109.715004,"end":129.935},{"sentences":[{"text":"Yep.","start":130.785,"end":131.285,"sentiment":"neutral","sentiment_score":0.03906723111867905}],"sentiment":"neutral","sentiment_score":0.03906723111867905,"channel":1,"num_words":1,"start":130.785,"end":131.285},{"sentences":[{"text":"Now, basically, what we were doing was we talked through the super.","start":132.715,"end":135.595,"sentiment":"neutral","sentiment_score":-0.022107543889433146},{"text":"We'd already updated the investments inside the super so that was getting back on track, And we were just trying to get the insurance premiums down because, you know, we lower the income protection, and we're gonna kick out the the waiting period a little bit just to lower the premium.","start":135.595,"end":149.82,"sentiment":"neutral","sentiment_score":0.12931233688312418},{"text":"Does that ring a bell?","start":149.82,"end":150.96,"sentiment":"neutral","sentiment_score":0.11024067103862763}],"sentiment":"neutral","sentiment_score":0.10118885308175403,"channel":0,"num_words":68,"start":132.715,"end":150.96},{"sentences":[{"text":"Yep.","start":151.39,"end":151.89,"sentiment":"positive","sentiment_score":0.4139538705348969}],"sentiment":"positive","sentiment_score":0.4139538705348969,"channel":1,"num_words":1,"start":151.39,"end":151.89},{"sentences":[{"text":"Perfect.","start":154.125,"end":154.625,"sentiment":"positive","sentiment_score":0.7243630290031433},{"text":"The only other thing is I'll put in some reminders there for, like, wills and powers of attorney and everything, and I've factored in the impact the reduced premiums have on your super.","start":154.925,"end":164.445,"sentiment":"neutral","sentiment_score":0.15436157245527615},{"text":"But, again, we're not giving you any sort of budgeting advice or debt management advice because, obviously, you're looking after the repayments yourself, and we can always look at, you know, additional contributions down the line.","start":164.445,"end":176.01,"sentiment":"neutral","sentiment_score":-0.06152963120904234}],"sentiment":"neutral","sentiment_score":0.051474688521453316,"channel":0,"num_words":70,"start":154.125,"end":176.01},{"sentences":[{"text":"Yep.","start":177.01999,"end":177.51999,"sentiment":"neutral","sentiment_score":0.1576036810874939}],"sentiment":"neutral","sentiment_score":0.1576036810874939,"channel":1,"num_words":1,"start":177.01999,"end":177.51999},{"sentences":[{"text":"Cool.","start":179.03,"end":179.51,"sentiment":"neutral","sentiment_score":0.24321621656417847},{"text":"Now what I wanted to do is if you pop through so we've got the about you section on page eight and nine.","start":179.51,"end":184.64499,"sentiment":"neutral","sentiment_score":0.07447895067541496},{"text":"If you have a bit of a fast scroll through for me, I don't believe you probably had any major changes since I last spoke to you.","start":184.64499,"end":190.985,"sentiment":"neutral","sentiment_score":-0.07888817711284866}],"sentiment":"neutral","sentiment_score":-0.0034068372538861116,"channel":0,"num_words":51,"start":179.03,"end":190.985},{"sentences":[{"text":"No.","start":192.565,"end":193.065,"sentiment":"neutral","sentiment_score":-0.12553054094314575}],"sentiment":"neutral","sentiment_score":-0.12553054094314575,"channel":1,"num_words":1,"start":192.565,"end":193.065},{"sentences":[{"text":"So so we just got, again, the home, the car, the boat, farming equipment, some shares, bit of cash, and you're still doing the mechanic work on the 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four.","start":208.60501,"end":220.065,"sentiment":"neutral","sentiment_score":0.03827565939476093}],"sentiment":"neutral","sentiment_score":0.0452796925643557,"channel":0,"num_words":38,"start":206.445,"end":220.065},{"sentences":[{"text":"Yep.","start":221.735,"end":222.235,"sentiment":"neutral","sentiment_score":0.01996712386608124}],"sentiment":"neutral","sentiment_score":0.01996712386608124,"channel":1,"num_words":1,"start":221.735,"end":222.235},{"sentences":[{"text":"You scroll past there.","start":222.15001,"end":223.67001,"sentiment":"neutral","sentiment_score":-0.00023285928182303905},{"text":"We've got your risk profile.","start":223.67001,"end":224.87001,"sentiment":"neutral","sentiment_score":-0.005719245364889503},{"text":"Yep.","start":224.87001,"end":225.19,"sentiment":"neutral","sentiment_score":0.01802356168627739},{"text":"High growth.","start":225.19,"end":225.59001,"sentiment":"neutral","sentiment_score":0.0040205372497439384},{"text":"That's still the same.","start":225.59001,"end":226.97,"sentiment":"neutral","sentiment_score":0.002768076490610838}],"sentiment":"neutral","sentiment_score":0.00047557988727930933,"channel":0,"num_words":16,"start":222.15001,"end":226.97},{"sentences":[{"text":"Keep going past that.","start":227.27,"end":228.55,"sentiment":"neutral","sentiment_score":-0.0003790813498198986},{"text":"And then you've got strategy recommendations on page 13.","start":228.55,"end":232.49,"sentiment":"neutral","sentiment_score":0.011423879613478979},{"text":"Blue headache.","start":232.71,"end":233.53,"sentiment":"neutral","sentiment_score":-0.02833513729274273}],"sentiment":"neutral","sentiment_score":0.0029752211024363837,"channel":0,"num_words":15,"start":227.27,"end":233.53},{"sentences":[{"text":"Yeah.","start":235.23,"end":235.73,"sentiment":"neutral","sentiment_score":0.060760803520679474}],"sentiment":"neutral","sentiment_score":0.060760803520679474,"channel":1,"num_words":1,"start":235.23,"end":235.73},{"sentences":[{"text":"Cool.","start":237.315,"end":237.635,"sentiment":"neutral","sentiment_score":0.15789301693439484},{"text":"So the kicking out of the waiting period at 90, still leaving the cover amount benefit period the same, that drops the premium by about a thousand 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with the current premiums, the new premiums, and if you have no insurances at all, what the projections","start":260.0,"end":271.25497,"sentiment":"neutral","sentiment_score":-0.009774064979492089}],"sentiment":"neutral","sentiment_score":0.014004618590397219,"channel":0,"num_words":62,"start":251.2,"end":271.25497},{"sentences":[{"text":"Yep.","start":270.96503,"end":271.46503,"sentiment":"neutral","sentiment_score":0.014748685993254185}],"sentiment":"neutral","sentiment_score":0.014748685993254185,"channel":1,"num_words":1,"start":270.96503,"end":271.46503},{"sentences":[{"text":"are looking 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changes.","start":387.655,"end":389.115,"sentiment":"neutral","sentiment_score":0.09981407672166824},{"text":"We're just using the same portfolio at the moment, which is looking much better.","start":389.255,"end":393.77002,"sentiment":"positive","sentiment_score":0.37130931126219885},{"text":"And the only other thing I wanted to just quickly touch on with you was just your beneficiary nomination for the life insurance.","start":394.31,"end":402.97,"sentiment":"neutral","sentiment_score":0.14118943654972574}],"sentiment":"neutral","sentiment_score":0.19319585749301418,"channel":0,"num_words":58,"start":381.975,"end":402.97},{"sentences":[{"text":"Yeah.","start":403.7,"end":404.2,"sentiment":"neutral","sentiment_score":0.016812527552247047}],"sentiment":"neutral","sentiment_score":0.016812527552247047,"channel":1,"num_words":1,"start":403.7,"end":404.2},{"sentences":[{"text":"Neil says the it's slightly weird with 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year?","start":462.86002,"end":473.675,"sentiment":"neutral","sentiment_score":0.11559893973931974}],"sentiment":"neutral","sentiment_score":0.13542415108531713,"channel":0,"num_words":52,"start":460.14,"end":473.675},{"sentences":[{"text":"Yeah.","start":474.57498,"end":474.97498,"sentiment":"neutral","sentiment_score":0.04586248844861984},{"text":"That's the plan of dispatch, man.","start":474.97498,"end":477.155,"sentiment":"neutral","sentiment_score":0.0780276885877053}],"sentiment":"neutral","sentiment_score":0.07343265999640737,"channel":1,"num_words":7,"start":474.57498,"end":477.155},{"sentences":[{"text":"Yep.","start":478.56003,"end":478.88,"sentiment":"neutral","sentiment_score":0.16692954301834106},{"text":"Cool.","start":478.88,"end":479.38,"sentiment":"neutral","sentiment_score":0.30876800417900085},{"text":"Again, I will continuously check with you if there's anything I can do to keep a lid on the premiums.","start":479.84003,"end":485.38,"sentiment":"neutral","sentiment_score":0.16039406433701514},{"text":"At this point, this will kick it out a little bit and save us for a couple of years.","start":485.44,"end":489.285,"sentiment":"neutral","sentiment_score":0.15432792235361903}],"sentiment":"neutral","sentiment_score":0.16136120386966846,"channel":0,"num_words":41,"start":478.56003,"end":489.285},{"sentences":[{"text":"Yep.","start":489.95,"end":490.45,"sentiment":"neutral","sentiment_score":0.04054948687553406}],"sentiment":"neutral","sentiment_score":0.04054948687553406,"channel":1,"num_words":1,"start":489.95,"end":490.45},{"sentences":[{"text":"If I can find anything to switch to, I'll let you know, but it really just depends on, again, occupation.","start":490.245,"end":496.265,"sentiment":"neutral","sentiment_score":0.0027931438758969306}],"sentiment":"neutral","sentiment_score":0.0027931438758969306,"channel":0,"num_words":20,"start":490.245,"end":496.265},{"sentences":[{"text":"Yep.","start":497.595,"end":497.675,"sentiment":"neutral","sentiment_score":0.05611829087138176},{"text":"Yep.","start":497.675,"end":498.175,"sentiment":"neutral","sentiment_score":0.11839719861745834}],"sentiment":"neutral","sentiment_score":0.08725774474442005,"channel":1,"num_words":2,"start":497.595,"end":498.175},{"sentences":[{"text":"Cool.","start":499.445,"end":499.945,"sentiment":"neutral","sentiment_score":0.2587183713912964},{"text":"So just to leave that with you, that's the advice document.","start":500.405,"end":503.20502,"sentiment":"neutral","sentiment_score":0.1214963434772058},{"text":"There is an authority to proceed to sign on that one.","start":503.20502,"end":506.03,"sentiment":"neutral","sentiment_score":0.10206667537038977},{"text":"The other document is the quote itself.","start":506.25,"end":508.65,"sentiment":"neutral","sentiment_score":0.0728749835065433},{"text":"So if you sign that one, we can basically submit it straight away, and they'll give you the refund.","start":508.65,"end":513.23,"sentiment":"neutral","sentiment_score":0.17606775854763232}],"sentiment":"neutral","sentiment_score":0.1341494668503197,"channel":0,"num_words":49,"start":499.445,"end":513.23},{"sentences":[{"text":"And the third document is just the appendix with all the research we did for all the insurance.","start":513.45,"end":517.79,"sentiment":"neutral","sentiment_score":0.1131116035911772}],"sentiment":"neutral","sentiment_score":0.1131116035911772,"channel":0,"num_words":18,"start":513.45,"end":517.79},{"sentences":[{"text":"Hi.","start":518.87,"end":519.37,"sentiment":"neutral","sentiment_score":0.2584463357925415}],"sentiment":"neutral","sentiment_score":0.2584463357925415,"channel":1,"num_words":1,"start":518.87,"end":519.37},{"sentences":[{"text":"Awesome, mate.","start":521.28503,"end":522.005,"sentiment":"positive","sentiment_score":0.44251328706741333}],"sentiment":"positive","sentiment_score":0.44251328706741333,"channel":0,"num_words":2,"start":521.28503,"end":522.005},{"sentences":[{"text":"No","start":521.865,"end":522.10504,"sentiment":"neutral","sentiment_score":0.22042948007583615}],"sentiment":"neutral","sentiment_score":0.22042948007583615,"channel":1,"num_words":1,"start":521.865,"end":522.10504},{"sentences":[{"text":"Are","start":522.005,"end":522.16504,"sentiment":"neutral","sentiment_score":0.10722021758556366}],"sentiment":"neutral","sentiment_score":0.10722021758556366,"channel":0,"num_words":1,"start":522.005,"end":522.16504},{"sentences":[{"text":"worries.","start":522.10504,"end":522.60504,"sentiment":"neutral","sentiment_score":0.11775778979063034}],"sentiment":"neutral","sentiment_score":0.11775778979063034,"channel":1,"num_words":1,"start":522.10504,"end":522.60504},{"sentences":[{"text":"you okay for me to leave that with you to sign in your own file?","start":522.16504,"end":525.305,"sentiment":"neutral","sentiment_score":0.15101896474758783}],"sentiment":"neutral","sentiment_score":0.15101896474758783,"channel":0,"num_words":15,"start":522.16504,"end":525.305},{"sentences":[{"text":"Yep.","start":525.78503,"end":526.28503,"sentiment":"neutral","sentiment_score":0.08528174459934235},{"text":"Yep.","start":526.425,"end":526.745,"sentiment":"neutral","sentiment_score":0.08989584445953369},{"text":"No drama.","start":526.745,"end":527.48505,"sentiment":"neutral","sentiment_score":0.09240486472845078}],"sentiment":"neutral","sentiment_score":0.0899968296289444,"channel":1,"num_words":4,"start":525.78503,"end":527.48505},{"sentences":[{"text":"Cool.","start":528.72504,"end":529.04504,"sentiment":"neutral","sentiment_score":0.2562897205352783},{"text":"Any other questions for me before I let you go for the weekend?","start":529.04504,"end":531.705,"sentiment":"neutral","sentiment_score":0.14959121782046098}],"sentiment":"neutral","sentiment_score":0.15721253944294794,"channel":0,"num_words":14,"start":528.72504,"end":531.705},{"sentences":[{"text":"No.","start":532.98505,"end":533.145,"sentiment":"neutral","sentiment_score":0.1176137998700142},{"text":"Have a good night.","start":533.145,"end":533.945,"sentiment":"neutral","sentiment_score":0.2758760452270508},{"text":"Have a good day.","start":533.945,"end":534.585,"sentiment":"positive","sentiment_score":0.4105275049805641},{"text":"Thank you.","start":534.585,"end":535.325,"sentiment":"positive","sentiment_score":0.5143205523490906}],"sentiment":"positive","sentiment_score":0.35380628230896866,"channel":1,"num_words":11,"start":532.98505,"end":535.325},{"sentences":[{"text":"Cool.","start":536.51,"end":536.67,"sentiment":"neutral","sentiment_score":0.2936311960220337},{"text":"If anything else pops up, man, just give us a bell.","start":536.67,"end":539.31,"sentiment":"neutral","sentiment_score":0.13246639648621733},{"text":"And if not, I've got your penciled in for that next capture.","start":539.31,"end":542.85,"sentiment":"neutral","sentiment_score":0.10811957127104203}],"sentiment":"neutral","sentiment_score":0.1270081838592887,"channel":0,"num_words":24,"start":536.51,"end":542.85},{"sentences":[{"text":"Yep.","start":543.64,"end":544.14,"sentiment":"neutral","sentiment_score":0.2322167456150055},{"text":"No worries.","start":544.9609,"end":545.70087,"sentiment":"positive","sentiment_score":0.39116354286670685}],"sentiment":"positive","sentiment_score":0.3381812771161397,"channel":1,"num_words":3,"start":543.64,"end":545.70087},{"sentences":[{"text":"Fantastic, Sean.","start":546.91095,"end":547.71094,"sentiment":"positive","sentiment_score":0.8620583415031433},{"text":"Have a great weekend, mate, and thank you for your time this morning.","start":547.71094,"end":550.1309,"sentiment":"positive","sentiment_score":0.8590147220171415}],"sentiment":"positive","sentiment_score":0.8594205379486084,"channel":0,"num_words":15,"start":546.91095,"end":550.1309},{"sentences":[{"text":"No worries.","start":550.7209,"end":551.1209,"sentiment":"positive","sentiment_score":0.34639550745487213},{"text":"Likewise.","start":551.1209,"end":551.6209,"sentiment":"positive","sentiment_score":0.3745325207710266},{"text":"Cheers.","start":551.6809,"end":552.1809,"sentiment":"positive","sentiment_score":0.5720378160476685}],"sentiment":"positive","sentiment_score":0.40984033793210983,"channel":1,"num_words":4,"start":550.7209,"end":552.1809},{"sentences":[{"text":"Cheers.","start":553.47095,"end":553.79095,"sentiment":"positive","sentiment_score":0.47912344336509705},{"text":"Bye.","start":553.79095,"end":554.29095,"sentiment":"neutral","sentiment_score":-0.08746621757745743}],"sentiment":"neutral","sentiment_score":0.1958286128938198,"channel":0,"num_words":2,"start":553.47095,"end":554.29095}]},"summary":{"result":"success","short":"A representative from OPM named Tommy sends Sean an email with a signature and provides guidance on signing insurance documents. They confirm personal information and provide security advice. The agent discusses changes to a policy, reduced premiums, reduced risk profile, and beneficiary allocations. They provide advice on the policy and offer assistance with anything else. The call ends with the agent thanking Sean for their time and saying goodbye."},"intents":{"segments":[{"text":"But basically, on page three and four, we've got the scope of advice basically showing what this document covers and what this document doesn't cover in terms of advice for today. Yep.","start_word":300,"end_word":331,"intents":[{"intent":"Review document pages","confidence_score":0.000012147001}]},{"text":"Now one thing I wanted to point out is on page 10, we've got your current policy for Nios with the life of TPD, the income protection, and that is going up to about six four.","start_word":556,"end_word":591,"intents":[{"intent":"Inquire about policies and forecasts","confidence_score":8.4123855e-7}]},{"text":"So when you go through a, like, a a reduction, there's no underwriting. We basically just submit a quote and they just reduce it, and then they give you a pro rata refund back to your Yep. account.","start_word":731,"end_word":768,"intents":[{"intent":"Offer discount on insurance quotes","confidence_score":0.00008588891}]},{"text":"So all I've included in there is if you wanted to, we could refresh it, and you'd have to refresh it every three years for the nomination to be fully binding.","start_word":1130,"end_word":1160,"intents":[{"intent":"Refresh nomination form","confidence_score":0.4131864}]},{"text":"Mate, past that point, is there anything else that I can sort of work on for you at the moment, or is it more just a matter of let's get the premiums down, see how the super goes for a while, and then catch up in the new year? Yeah.","start_word":1226,"end_word":1275,"intents":[{"intent":"Work on premiums","confidence_score":0.2455549}]},{"text":"So just to leave that with you, that's the advice document. There is an authority to proceed to sign on that one. The other document is the quote itself. So if you sign that one, we can basically submit it straight away, and they'll give you the refund. And the third document is just the appendix with all the research we did for all the insurance. Hi.","start_word":1347,"end_word":1413,"intents":[{"intent":"Submit quote","confidence_score":0.3396261},{"intent":"Discuss insurance coverage","confidence_score":0.0020761583},{"intent":"Leave document with instructions","confidence_score":0.0024529148}]}]},"sentiments":{"segments":[{"text":"Hello. Sean speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05867376551032066},{"text":"Good day, Sean. Tommy here from OPM, and happy Friday. Right. Living the dream so far.","start_word":3,"end_word":18,"sentiment":"positive","sentiment_score":0.5897307991981506},{"text":"I've got a bit of an updated strategy to flick through to you for the insurances we were talking about. Do you still have a bit of time? Yeah, man. Yep.","start_word":19,"end_word":49,"sentiment":"neutral","sentiment_score":0.22178882360458377},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.6779606938362122},{"text":"So I'm gonna pop that through your email now just while it's coming through. Will you better look on to it with me, or should I just walk you through it over the phone? Should be a bit of a look here to on the sign. That's what I got in front of me. But Yeah. That's okay. I'll leave it with you to kind of have a read afterwards as well just to make sure you're comfortable with it. What? But just while But that's just popping through to you, can I please confirm your date of birth and address for security? August. Sensational.","start_word":51,"end_word":155,"sentiment":"neutral","sentiment_score":0.1489848494529724},{"text":"Thank you for that. Alrighty.","start_word":156,"end_word":160,"sentiment":"positive","sentiment_score":0.5382171273231506},{"text":"So that's going through to your Hotmail address. Yep. And when you grab that up, there's a little purple button that says sign. It'll basically just bring up three documents for us to scroll through together. I only just wanna walk you through the one today because the other ones are just extra research and a quote as well. Yep.","start_word":161,"end_word":220,"sentiment":"neutral","sentiment_score":0.1770469695329666},{"text":"Cool.","start_word":221,"end_word":221,"sentiment":"positive","sentiment_score":0.35677146911621094},{"text":"So in that first document, you should be able to see it's like a beachfront city picture looking like the Gold Yeah. It Coast wasn't here. Yep. on it. Yeah. Cool. And it should say statement of advice with my licensing details. Can you see that? Think I clicked too Great. fast. So no. You're right. If you have trouble scrolling around and and the figures are a bit small, that's totally fine. I'm gonna explain it anyways. But basically, on page three and four, we've got the scope of advice basically showing what this document covers and what this document doesn't cover in terms of advice for today. Yep. Now, basically, what we were doing was we talked through the super. We'd already updated the investments inside the super so that was getting back on track, And we were just trying to get the insurance premiums down because, you know, we lower the income protection, and we're gonna kick out the the waiting period a little bit just to lower the premium. Does that ring a bell?","start_word":222,"end_word":399,"sentiment":"neutral","sentiment_score":0.0722874089908064},{"text":"Yep. Perfect.","start_word":400,"end_word":401,"sentiment":"positive","sentiment_score":0.538117527961731},{"text":"The only other thing is I'll put in some reminders there for, like, wills and powers of attorney and everything, and I've factored in the impact the reduced premiums have on your super. But, again, we're not giving you any sort of budgeting advice or debt management advice because, obviously, you're looking after the repayments yourself, and we can always look at, you know, additional contributions down the line. Yep. Cool. Now what I wanted to do is if you pop through so we've got the about you section on page eight and nine. If you have a bit of a fast scroll through for me, I don't believe you probably had any major changes since I last spoke to you. No. So so we just got, again, the home, the car, the boat, farming equipment, some shares, bit of cash, and you're still doing the mechanic work on the farms. Yep. Yeah. Beauty. Now one thing I wanted to point out is on page 10, we've got your current policy for Nios with the life of TPD, the income protection, and that is going up to about six four. Yep. You scroll past there. We've got your risk profile. Yep. High growth. That's still the same. Keep going past that. And then you've got strategy recommendations on page 13. Blue headache. Yeah. Cool. So the kicking out of the waiting period at 90, still leaving the cover amount benefit period the same, that drops the premium by about a thousand dollars. Yeah. Right? Now I've factored that into your super. So on page 15, I've just got a little bit of an updated projection there. It's a bit of a small table, But it's just got five years and ten years, and it just talks about with the current premiums, the new premiums, and if you have no insurances at all, what the projections Yep. are looking like. Alright. Yep. Now one thing I wanted to point out. So when you go through a, like, a a reduction, there's no underwriting. We basically just submit a quote and they just reduce it, and then they give you a pro rata refund back to your Yep. account. Now the other thing I I looked at was I had a squiz at some other insurers as well, and I was trying to hunt around to find if I could get something cheaper elsewhere. I did find a couple that were possibly gonna be another thousand dollars off under Clearview and AIA, which would be like a full application to replace it all. But they were kind of threading it a bit thin when it comes to the occupation rating, where on one side it was getting close, the other side it wasn't. Can I just ask you when it comes to your duties and everything? So, obviously, you do the mechanic work and everything, but do you actually still like driving in tractors or anything like that? Yep. Yeah. Okay.","start_word":402,"end_word":900,"sentiment":"neutral","sentiment_score":0.009354348005148356},{"text":"Cool.","start_word":901,"end_word":901,"sentiment":"positive","sentiment_score":0.35300755500793457},{"text":"So the moment they had the the tractor driving, they dropped it to bloody labor, and it bumped the premiums up a couple of grand. Alright. If at any point you're just doing the mechanic work, there is two providers that are more affordable. So at this point, I'm just saying, look, let's reduce the premiums through Mayotte at the moment. And if we get to a point where the occupation duties tick the boxes, we do have alternatives out there as well to look at. Yep.","start_word":902,"end_word":988,"sentiment":"neutral","sentiment_score":0.12191297858953476},{"text":"Cool.","start_word":989,"end_word":989,"sentiment":"positive","sentiment_score":0.3817583918571472},{"text":"Now does all that make sense? Do you have any questions for me so far? No. It's supposed to be my consent tonight. Yep. So everything else in that document is pretty much just some updated figures for the super. Again, there's been no changes.","start_word":990,"end_word":1034,"sentiment":"neutral","sentiment_score":0.10662978142499924},{"text":"We're just using the same portfolio at the moment, which is looking much better.","start_word":1035,"end_word":1048,"sentiment":"positive","sentiment_score":0.3502768576145172},{"text":"And the only other thing I wanted to just quickly touch on with you was just your beneficiary nomination for the life insurance. Yeah. Neil says the it's slightly weird with it. Normally, you've got a legally binding nomination for your partner that doesn't expire. So it's a binding nonlapsing. Now Neil says this funky thing where they only do legally binding nominations for three years, and then it converts to a non binding and just continues on past that point. So all I've included in there is if you wanted to, we could refresh it, and you'd have to refresh it every three years for the nomination to be fully binding. But if the only other person you've got is your partner, they would still receive it anyway. So I just wanted to quickly bring that to your attention in case you wanted to go through that form every three years. Or if not, we'll just leave it as is because she is still nominated. Yeah. I just waited. Are you doing me? Yeah.","start_word":1049,"end_word":1223,"sentiment":"neutral","sentiment_score":0.049528028682938645},{"text":"Beautiful. Beautiful.","start_word":1224,"end_word":1225,"sentiment":"positive","sentiment_score":0.5963531732559204},{"text":"Mate, past that point, is there anything else that I can sort of work on for you at the moment, or is it more just a matter of let's get the premiums down, see how the super goes for a while, and then catch up in the new year? Yeah. That's the plan of dispatch, man. Yep. Cool. Again, I will continuously check with you if there's anything I can do to keep a lid on the premiums. At this point, this will kick it out a little bit and save us for a couple of years. Yep. If I can find anything to switch to, I'll let you know, but it really just depends on, again, occupation. Yep. Yep. Cool. So just to leave that with you, that's the advice document. There is an authority to proceed to sign on that one. The other document is the quote itself. So if you sign that one, we can basically submit it straight away, and they'll give you the refund. And the third document is just the appendix with all the research we did for all the insurance. Hi.","start_word":1226,"end_word":1413,"sentiment":"neutral","sentiment_score":0.11732927709817886},{"text":"Awesome, mate.","start_word":1414,"end_word":1415,"sentiment":"positive","sentiment_score":0.4312574863433838},{"text":"No Are worries. you okay for me to leave that with you to sign in your own file? Yep. Yep. No drama. Cool. Any other questions for me before I let you go for the weekend? No. Have a good night.","start_word":1416,"end_word":1456,"sentiment":"neutral","sentiment_score":0.15729013085365295},{"text":"Have a good day. Thank you.","start_word":1457,"end_word":1462,"sentiment":"positive","sentiment_score":0.4487374722957611},{"text":"Cool. If anything else pops up, man, just give us a bell. And if not, I've got your penciled in for that next capture. Yep.","start_word":1463,"end_word":1487,"sentiment":"neutral","sentiment_score":0.13464848458766937},{"text":"No worries. Fantastic, Sean. Have a great weekend, mate, and thank you for your time this morning. No worries. Likewise. Cheers. Cheers.","start_word":1488,"end_word":1509,"sentiment":"positive","sentiment_score":0.6860536336898804},{"text":"Bye.","start_word":1510,"end_word":1510,"sentiment":"neutral","sentiment_score":0.3026818037033081}],"average":{"sentiment":"neutral","sentiment_score":0.10164307894772046}}}}