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I have a third party authority on file for a client, and I just got a few questions, if I could, please. Sure do. It's 963729475. Yeah. Jake William Della. Twenty four two ninety '6. Yep. Larissa Coert, c o e r t. Oakview Financial. AFSL number 513068. 130160796. Suite 2011 Short Street, Southport, Queensland 4215. Cool. So I just wanted to confirm with regards to this account. I guess there's a there's a few things, and I wanna start at the beginning a little bit. So are you able to tell me what benefits are held under this account? Yes. Alright. You're so fine. Okay. Yep. Waiting period, does it state? Yep. Yep. Yep. Not a problem at all. Thank you. That's okay. No. That's okay. More than happy to go there because I have a few other questions, so it might be best. That'd be great. Thank you. Thanks. Hi, Alex. Yes. Larissa here. How are you going? Not bad. Thank you. There was a few other questions I had, but, yeah, that's one of them. Perfect. Amazing. That answers one question, and I've got a rundown on everything else, so that's fine. One of the there's there's a few things that I wanted to know with regards to this policy. So with respect to this policy, I wanted to know what the start date for the policy was, who the owner is, how the payments are structured. I'll I'll slow down. We can answer those three, and then we can jump into others. Perfect. No. Because, like, that's that's the life insured. So that would obviously be the client, like, the Jake Della. So the actual owner of the insurance policy, is it normally the client? Mhmm. Perfect. 06/30/2023. Okay. Perfect. So it's owned by Tau. Is it what's the payment structure? Is it paid monthly? Alright. Perfect. Was this policy underwritten, or is it a group underwritten policy? Absolutely. Thank you. Okay. Boatings or anything? Yeah. Indicator. Okay. Perfect. Is there a occupation disclosed? Yeah. Got it. Yeah. Okay. Cool. Are you able to clarify if you know or if you can find out? Was the underwriter for, like, the group policy is taken over by Tal in 2023? Is that why the insurance policy start date is 2023 rather than 2017 when the account opened? Yep. Yes. Yep. Cool. Cool. Yep. Okay. Okay. Cool. No. That's okay. Perfect. Alright. And then, obviously, client left employer, though all and all those policies were ceased, and it ends your going from town. Cool. Alright. Amazing. Okay. So and Tau the Tau effective start date was 01/04/2024. Cool. Alright. Perfect. So this is a full group default, not underwritten policy. Cool. Alright. No. That answers everything that I had. That is perfect. Thank you so much for your help. You too. 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Winston. My name is Larissa from Oakview Financial. How are you going? Really good. Thank you.\n\nI have a third party authority on file for a client, and I just got a few questions, if I could, please. Sure do. It's 963729475. Yeah. Jake William Della.\n\nTwenty four two ninety '6. Yep. Larissa Coert, c o e r t. Oakview Financial. AFSL number 513068.\n\n130160796. Suite 2011 Short Street, Southport, Queensland 4215. Cool. So I just wanted to confirm with regards to this account. I guess there's a there's a few things, and I wanna start at the beginning a little bit.\n\nSo are you able to tell me what benefits are held under this account? Yes. Alright. You're so fine. Okay.\n\nYep. Waiting period, does it state? Yep. Yep. Yep.\n\nNot a problem at all. Thank you. That's okay. No. That's okay.\n\nMore than happy to go there because I have a few other questions, so it might be best. That'd be great. Thank you. Thanks. Hi, Alex.\n\nYes. Larissa here. How are you going? Not bad. Thank you.\n\nThere was a few other questions I had, but, yeah, that's one of them. Perfect. Amazing. That answers one question, and I've got a rundown on everything else, so that's fine. One of the there's there's a few things that I wanted to know with regards to this policy.\n\nSo with respect to this policy, I wanted to know what the start date for the policy was, who the owner is, how the payments are structured. I'll I'll slow down. We can answer those three, and then we can jump into others. Perfect. No.\n\nBecause, like, that's that's the life insured. So that would obviously be the client, like, the Jake Della. So the actual owner of the insurance policy, is it normally the client? Mhmm. Perfect.\n\n06/30/2023. Okay. Perfect. So it's owned by Tau. Is it what's the payment structure?\n\nIs it paid monthly? Alright. Perfect. Was this policy underwritten, or is it a group underwritten policy? Absolutely.\n\nThank you. Okay. Boatings or anything? Yeah. Indicator.\n\nOkay. Perfect. Is there a occupation disclosed? Yeah. Got it.\n\nYeah. Okay. Cool. Are you able to clarify if you know or if you can find out? Was the underwriter for, like, the group policy is taken over by Tal in 2023?\n\nIs that why the insurance policy start date is 2023 rather than 2017 when the account opened? Yep. Yes. Yep. Cool.\n\nCool. Yep. Okay. Okay. Cool.\n\nNo. That's okay. Perfect. Alright. And then, obviously, client left employer, though all and all those policies were ceased, and it ends your going from town.\n\nCool. Alright. Amazing. Okay. So and Tau the Tau effective start date was 01/04/2024.\n\nCool. Alright. Perfect. So this is a full group default, not underwritten policy. Cool.\n\nAlright. No. That answers everything that I had. That is perfect. Thank you so much for your help.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Winston.","start":130.23,"end":131.13,"sentiment":"neutral","sentiment_score":0.2911323383450508},{"text":"My name is Larissa from Oakview Financial.","start":131.19,"end":133.19,"sentiment":"neutral","sentiment_score":0.23519048946244375},{"text":"How are you going?","start":133.19,"end":134.09,"sentiment":"positive","sentiment_score":0.3501175791025162},{"text":"Really good.","start":136.875,"end":137.515,"sentiment":"positive","sentiment_score":0.667816549539566},{"text":"Thank you.","start":137.515,"end":138.335,"sentiment":"positive","sentiment_score":0.6806575953960419}],"sentiment":"positive","sentiment_score":0.37211862995344047,"num_words":17,"start":130.23,"end":138.335},{"sentences":[{"text":"I have a third party authority on file for a client, and I just got a few questions, if I could, please.","start":138.875,"end":144.815,"sentiment":"neutral","sentiment_score":0.11191500723361969},{"text":"Sure 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state?","start":354.06,"end":355.84,"sentiment":"neutral","sentiment_score":-0.006740840896964073},{"text":"Yep.","start":389.625,"end":390.125,"sentiment":"neutral","sentiment_score":0.005348323844373226},{"text":"Yep.","start":409.495,"end":409.995,"sentiment":"neutral","sentiment_score":0.02104952558875084},{"text":"Yep.","start":416.615,"end":417.115,"sentiment":"neutral","sentiment_score":0.04110094532370567}],"sentiment":"neutral","sentiment_score":0.009313228333161937,"num_words":9,"start":344.125,"end":417.115},{"sentences":[{"text":"Not a problem at all.","start":441.685,"end":442.565,"sentiment":"neutral","sentiment_score":0.11778851002454757},{"text":"Thank you.","start":442.565,"end":443.22498,"sentiment":"positive","sentiment_score":0.34168365597724915},{"text":"That's okay.","start":702.655,"end":703.475,"sentiment":"neutral","sentiment_score":0.279187947511673},{"text":"No.","start":714.11005,"end":714.35004,"sentiment":"neutral","sentiment_score":-0.07615859806537628},{"text":"That's okay.","start":714.35004,"end":715.07,"sentiment":"neutral","sentiment_score":-0.013457629829645157}],"sentiment":"neutral","sentiment_score":0.1439676582813263,"num_words":12,"start":441.685,"end":715.07},{"sentences":[{"text":"More than happy to go there because I have a few other questions, so it might be best.","start":715.07,"end":718.85004,"sentiment":"neutral","sentiment_score":0.23502802476286888},{"text":"That'd be great.","start":726.315,"end":727.675,"sentiment":"positive","sentiment_score":0.6777519782384237},{"text":"Thank you.","start":727.675,"end":728.415,"sentiment":"positive","sentiment_score":0.5988275706768036},{"text":"Thanks.","start":730.955,"end":731.455,"sentiment":"positive","sentiment_score":0.5324087142944336},{"text":"Hi, Alex.","start":957.16003,"end":957.96,"sentiment":"neutral","sentiment_score":0.0879267007112503}],"sentiment":"neutral","sentiment_score":0.31421837067374814,"num_words":26,"start":715.07,"end":957.96},{"sentences":[{"text":"Yes.","start":957.96,"end":958.36005,"sentiment":"neutral","sentiment_score":0.1193026751279831},{"text":"Larissa here.","start":958.36005,"end":959.0,"sentiment":"neutral","sentiment_score":0.14826307073235512},{"text":"How are you going?","start":959.0,"end":959.82,"sentiment":"neutral","sentiment_score":0.2058597169816494},{"text":"Not bad.","start":962.535,"end":963.175,"sentiment":"neutral","sentiment_score":0.2176060900092125},{"text":"Thank you.","start":963.175,"end":963.915,"sentiment":"neutral","sentiment_score":0.27453262358903885}],"sentiment":"neutral","sentiment_score":0.2021404647014358,"num_words":11,"start":957.96,"end":963.915},{"sentences":[{"text":"There was a few other questions I had, but, yeah, that's one of them.","start":968.855,"end":972.71497,"sentiment":"neutral","sentiment_score":-0.014726603869348764},{"text":"Perfect.","start":980.89,"end":981.39,"sentiment":"positive","sentiment_score":0.5128458738327026},{"text":"Amazing.","start":982.73,"end":983.23,"sentiment":"positive","sentiment_score":0.4576461613178253},{"text":"That answers one question, and I've got a rundown on everything else, so that's fine.","start":983.93,"end":989.025,"sentiment":"neutral","sentiment_score":0.13826237445076306},{"text":"One of the there's there's a few things that I wanted to know with regards to this policy.","start":990.525,"end":994.945,"sentiment":"neutral","sentiment_score":-0.009904414932760928}],"sentiment":"neutral","sentiment_score":0.054285218958191724,"num_words":49,"start":968.855,"end":994.945},{"sentences":[{"text":"So with respect to this policy, I wanted to know what the start date for the policy was, who the owner is, how the payments are structured.","start":996.04504,"end":1005.16,"sentiment":"neutral","sentiment_score":-0.004806932061910629},{"text":"I'll I'll slow down.","start":1007.3,"end":1008.02,"sentiment":"neutral","sentiment_score":-0.005907449405640364},{"text":"We can answer those three, and then we can jump into others.","start":1008.02,"end":1010.2,"sentiment":"neutral","sentiment_score":0.029501429448525112},{"text":"Perfect.","start":1019.875,"end":1020.375,"sentiment":"neutral","sentiment_score":-0.004729108884930611},{"text":"No.","start":1023.395,"end":1023.715,"sentiment":"neutral","sentiment_score":-0.07184869050979614}],"sentiment":"neutral","sentiment_score":0.0027560531265205805,"num_words":45,"start":996.04504,"end":1023.715},{"sentences":[{"text":"Because, like, that's that's the life insured.","start":1023.715,"end":1026.295,"sentiment":"neutral","sentiment_score":-0.0550001577607223},{"text":"So that would obviously be the client, like, the Jake Della.","start":1027.23,"end":1030.37,"sentiment":"neutral","sentiment_score":-0.01286885447122834},{"text":"So the actual owner of the insurance policy, is it normally the client?","start":1030.51,"end":1035.57,"sentiment":"neutral","sentiment_score":-0.011128228086118516},{"text":"Mhmm.","start":1036.27,"end":1036.77,"sentiment":"neutral","sentiment_score":-0.01281855534762144},{"text":"Perfect.","start":1044.765,"end":1045.265,"sentiment":"neutral","sentiment_score":-0.05197018384933472}],"sentiment":"neutral","sentiment_score":-0.022303460843183777,"num_words":33,"start":1023.715,"end":1045.265},{"sentences":[{"text":"06/30/2023.","start":1051.18,"end":1053.42,"sentiment":"neutral","sentiment_score":-0.0032909950241446495},{"text":"Okay.","start":1053.42,"end":1053.66,"sentiment":"neutral","sentiment_score":0.03964716196060181},{"text":"Perfect.","start":1053.66,"end":1054.16,"sentiment":"neutral","sentiment_score":0.08296610414981842},{"text":"So it's owned by Tau.","start":1055.5801,"end":1056.78,"sentiment":"neutral","sentiment_score":-0.00133485309779644},{"text":"Is it what's the payment structure?","start":1056.78,"end":1058.4601,"sentiment":"neutral","sentiment_score":-0.0008110609487630427}],"sentiment":"neutral","sentiment_score":0.007698688564622509,"num_words":14,"start":1051.18,"end":1058.4601},{"sentences":[{"text":"Is it paid monthly?","start":1058.4601,"end":1059.52,"sentiment":"neutral","sentiment_score":-0.00004931859439238906},{"text":"Alright.","start":1065.8351,"end":1066.155,"sentiment":"neutral","sentiment_score":0.2113959789276123},{"text":"Perfect.","start":1066.155,"end":1066.655,"sentiment":"positive","sentiment_score":0.5095402002334595},{"text":"Was this policy underwritten, or is it a group underwritten policy?","start":1066.875,"end":1070.3351,"sentiment":"neutral","sentiment_score":0.10743470388379964},{"text":"Absolutely.","start":1132.39,"end":1132.89,"sentiment":"neutral","sentiment_score":0.25197505950927734}],"sentiment":"neutral","sentiment_score":0.1196942059452542,"num_words":18,"start":1058.4601,"end":1132.89},{"sentences":[{"text":"Thank you.","start":1133.11,"end":1133.85,"sentiment":"positive","sentiment_score":0.44260314106941223},{"text":"Okay.","start":1430.005,"end":1430.505,"sentiment":"neutral","sentiment_score":0.044156938791275024},{"text":"Boatings or anything?","start":1438.5801,"end":1439.46,"sentiment":"neutral","sentiment_score":0.025072427466511726},{"text":"Yeah.","start":1439.46,"end":1439.96,"sentiment":"neutral","sentiment_score":0.06680898368358612},{"text":"Indicator.","start":1444.1,"end":1444.6,"sentiment":"neutral","sentiment_score":0.043676283210515976}],"sentiment":"neutral","sentiment_score":0.1393832212779671,"num_words":8,"start":1133.11,"end":1444.6},{"sentences":[{"text":"Okay.","start":1448.34,"end":1448.66,"sentiment":"neutral","sentiment_score":0.07207372784614563},{"text":"Perfect.","start":1448.66,"end":1449.16,"sentiment":"neutral","sentiment_score":0.12367554008960724},{"text":"Is there a occupation disclosed?","start":1450.02,"end":1452.6,"sentiment":"neutral","sentiment_score":0.025501387380063533},{"text":"Yeah.","start":1458.1951,"end":1458.435,"sentiment":"neutral","sentiment_score":0.02456573396921158},{"text":"Got it.","start":1458.435,"end":1458.835,"sentiment":"neutral","sentiment_score":0.03908988833427429}],"sentiment":"neutral","sentiment_score":0.04260017154738307,"num_words":10,"start":1448.34,"end":1458.835},{"sentences":[{"text":"Yeah.","start":1458.835,"end":1459.335,"sentiment":"neutral","sentiment_score":0.03638239949941635},{"text":"Okay.","start":1481.905,"end":1482.145,"sentiment":"neutral","sentiment_score":0.08975835144519806},{"text":"Cool.","start":1482.145,"end":1482.645,"sentiment":"neutral","sentiment_score":0.14405736327171326},{"text":"Are you able to clarify if you know or if you can find out?","start":1483.425,"end":1487.045,"sentiment":"neutral","sentiment_score":0.042992139767323224},{"text":"Was the underwriter for, like, the group policy is taken over by Tal in 2023?","start":1487.5851,"end":1493.12,"sentiment":"neutral","sentiment_score":-0.013501424342393875}],"sentiment":"neutral","sentiment_score":0.02092395955696702,"num_words":32,"start":1458.835,"end":1493.12},{"sentences":[{"text":"Is that why the insurance policy start date is 2023 rather than 2017 when the account opened?","start":1493.12,"end":1499.4601,"sentiment":"neutral","sentiment_score":-0.012985087054617265},{"text":"Yep.","start":1504.4951,"end":1504.9951,"sentiment":"neutral","sentiment_score":-0.003398261032998562},{"text":"Yes.","start":1533.485,"end":1533.985,"sentiment":"neutral","sentiment_score":0.035717613995075226},{"text":"Yep.","start":1538.46,"end":1538.96,"sentiment":"neutral","sentiment_score":0.016313865780830383},{"text":"Cool.","start":1548.14,"end":1548.64,"sentiment":"neutral","sentiment_score":0.0942608192563057}],"sentiment":"neutral","sentiment_score":-0.0037072591394895597,"num_words":21,"start":1493.12,"end":1548.64},{"sentences":[{"text":"Cool.","start":1569.93,"end":1570.43,"sentiment":"neutral","sentiment_score":0.004119311459362507},{"text":"Yep.","start":1575.9451,"end":1576.4451,"sentiment":"neutral","sentiment_score":0.0063689458183944225},{"text":"Okay.","start":1602.135,"end":1602.635,"sentiment":"neutral","sentiment_score":-0.013436747714877129},{"text":"Okay.","start":1609.895,"end":1610.2151,"sentiment":"neutral","sentiment_score":0.0340319499373436},{"text":"Cool.","start":1610.2151,"end":1610.535,"sentiment":"neutral","sentiment_score":0.042993128299713135}],"sentiment":"neutral","sentiment_score":0.014815317559987306,"num_words":5,"start":1569.93,"end":1610.535},{"sentences":[{"text":"No.","start":1610.535,"end":1610.6151,"sentiment":"neutral","sentiment_score":-0.04490214213728905},{"text":"That's okay.","start":1610.6151,"end":1611.255,"sentiment":"neutral","sentiment_score":-0.01919817179441452},{"text":"Perfect.","start":1611.255,"end":1611.755,"sentiment":"neutral","sentiment_score":0.19599345326423645},{"text":"Alright.","start":1612.59,"end":1612.99,"sentiment":"neutral","sentiment_score":0.0818832740187645},{"text":"And then, obviously, client left employer, though all and all those policies were ceased, and it ends your going from town.","start":1612.99,"end":1620.99,"sentiment":"neutral","sentiment_score":-0.01236711194117864}],"sentiment":"neutral","sentiment_score":-0.002505042661841099,"num_words":26,"start":1610.535,"end":1620.99},{"sentences":[{"text":"Cool.","start":1620.99,"end":1621.49,"sentiment":"neutral","sentiment_score":0.10877414047718048},{"text":"Alright.","start":1622.91,"end":1623.41,"sentiment":"neutral","sentiment_score":0.040542468428611755},{"text":"Amazing.","start":1636.7001,"end":1637.2001,"sentiment":"neutral","sentiment_score":0.2451963573694229},{"text":"Okay.","start":1638.14,"end":1638.64,"sentiment":"neutral","sentiment_score":0.13704976439476013},{"text":"So and Tau the Tau effective start date was 01/04/2024.","start":1639.66,"end":1645.36,"sentiment":"neutral","sentiment_score":0.11155424490571023}],"sentiment":"neutral","sentiment_score":0.11765036998050553,"num_words":14,"start":1620.99,"end":1645.36},{"sentences":[{"text":"Cool.","start":1646.7001,"end":1647.2001,"sentiment":"positive","sentiment_score":0.35522186756134033},{"text":"Alright.","start":1651.875,"end":1652.275,"sentiment":"positive","sentiment_score":0.35795164108276367},{"text":"Perfect.","start":1652.275,"end":1652.775,"sentiment":"positive","sentiment_score":0.4677509665489197},{"text":"So this is a full group default, not underwritten policy.","start":1653.875,"end":1659.095,"sentiment":"neutral","sentiment_score":0.2881087318062782},{"text":"Cool.","start":1660.355,"end":1660.855,"sentiment":"neutral","sentiment_score":0.2966456413269043}],"sentiment":"neutral","sentiment_score":0.311332673898765,"num_words":14,"start":1646.7001,"end":1660.855},{"sentences":[{"text":"Alright.","start":1661.28,"end":1661.52,"sentiment":"neutral","sentiment_score":0.19245877861976624},{"text":"No.","start":1661.52,"end":1661.92,"sentiment":"neutral","sentiment_score":0.15156841278076172},{"text":"That answers everything that I had.","start":1661.92,"end":1663.4601,"sentiment":"neutral","sentiment_score":0.1447813386718432},{"text":"That is perfect.","start":1663.6001,"end":1665.4601,"sentiment":"positive","sentiment_score":0.36570098251104355},{"text":"Thank you so much for your help.","start":1665.6001,"end":1667.2201,"sentiment":"positive","sentiment_score":0.7690237505095345}],"sentiment":"positive","sentiment_score":0.4273880235850811,"num_words":18,"start":1661.28,"end":1667.2201},{"sentences":[{"text":"You too.","start":1669.68,"end":1670.4,"sentiment":"positive","sentiment_score":0.5430322289466858},{"text":"Bye.","start":1670.4,"end":1670.9,"sentiment":"neutral","sentiment_score":0.27634161710739136}],"sentiment":"positive","sentiment_score":0.45413535833358765,"num_words":3,"start":1669.68,"end":1670.9}]}}]},{"alternatives":[{"transcript":"To AMP. Your call will be recorded for training and monitoring purposes. We manage the collection of your personal information in line with our privacy policy, which you can find at amp.com.au. If you are calling to discuss your client's Resolution Life insurance policy or retirement savings account, eligible rollover fund, whole of life, or endowment product, press 1. For all other inquiries, please press 0. Please listen carefully as the following options have changed. If you are calling to discuss your client's superannuation policy, press 1. If you are calling to make a claim or follow-up an existing claim against insurance in a super policy, press 2. If you are calling to discuss your client's managed fund products If you're inquiring about a new policy, please press 1. If you are calling about our corporate super policies, please press 2. For all other inquiries, please press 0. To hear these options Your call will be transferred to the first available customer service consultant. Thank you for your patience. You can lodge a notice of intent by logging in to My AMP. For more information, go to amp.com.au. Click on find a form and type notice of intent. To discuss with a customer service representative, please hold the line. Welcome to AMP Super. This is Winston speaking. I'm good. Thank you. How are you? Okay. Sure. Okay. Do you have the account number? Okay. And can you confirm the account holder's full name and the and also the date of birth? Okay. And will you be able to confirm your full name and the company name? Yeah. Okay. And what's your company address and phone number? Okay. Yep. All good. Thank you for that. Yes. How can I help you today? Okay. Like, as in the insurance? Okay. Let's see. K. I'm just bringing up the information. It won't be long. Okay. Yep. So we've got the death insurance and the insured amount. It's for 476,000. And then yep. Next, I'll just double check to see. Yeah. So income protection, two years nominated. And we've got here a covered amount for $3,835. Okay. I'll just double check here. So benefit to your period is two years, but I'll have to double check regarding the waiting period for for this one. And then So we're in the next transition life stage, total permanent disability, then the covered up insured amount for 476,000. And I'll just see whether there's any other ones. Okay. So that seems to be it. Regarding the income production, two years nominated, I'll just double check regarding the waiting period on this. Do you mind if I place you on a brief hold while I check? Okay. Thank you. Okay. Thank you so much for holding on the line. Yep. So regarding the waiting period, I'll need to put you through to one of our team member to provide you more informations on the insurance on this. And Yep. Okay. Yep. Okay. Sure. Yep. Yep. So regarding insurance yep, I can put you through so they could assist you further on this. Okay. All good. Thank you. I'll put you through now. Thank you. Welcome to AMP. You're speaking with Alex. Am I speaking with Larissa? Hello? Not too bad, Larissa. How are you going today? Let's see here. So you just wanted to confirm the waiting period. Is that correct? Yeah. Yeah. No worries. Okay. I'm sorted for you. So the waiting period for this member is thirty days. Yep. Mhmm. Yeah. Mhmm. Yeah. Mhmm. Yeah. Yeah. No worries. So this account was started on the September 14 in 2017. Now when you say the owner, do you mean just the account holder? Yep. Oh, I mean right. Okay. Yep. Yep. So this one is out. So that'd be our underwriter. I will go ahead and confirm the start date for the actual insurance policy itself because that might not be the same as the it looks like it was the 06/30/2023, this one. Mhmm. So it's monthly premiums, all of our so the monthly steps premiums. I'll go have a look at that one. 11. K. So this one I'll just have a look. It might be written somewhere else. Usually, where you can see that it's underwritten, it's not displayed there. I might have to check a different system. Is it right if I just place you on hold for a moment while I load up the other system? No worries. Won't be too long at all. Hi, Lisa. Thanks so much for holding. So I've just had a look on a different system here. So I think the reason why it wasn't listed on the other is because it's just not listed anywhere. So I'm assuming this one is not underwritten. Now I'll just double check as well for any, like, exclusions or or or Yep. Just if it does have that, then that might be better indicate. Doesn't look like there's any. So, yeah, there's no no no underwriting on this one. We don't have an occupation disclosed. We have an occupation category. I'll have a look at that one, whatever that is. Maybe here. Occupation category is okay. No. So it's not categorized. So it's just the default or it wasn't applied when he was when he added the income protection to his account. So it looks like he had insurance from when the account opened, but what has happened so I'll go look at I'll use his TPD as an example. Seven. Correct. So when I open it up, it says effective as at the 04/01/2024. Now that was the exact date that Tau took over essentially all of their insurances unless they were retained from previous I think it was Resolution Life before that. So this member may have had a Resolution Life policy in 2023, but when the insurance was taken over in April 2024, it was transferred into the towel. But it looks like he actually had insurances as early at the account start date. Because when I go into his insurance benefits so where is it here? '11. So he's got policies as early as as as 2017, but it looks like they were detached insurances as in they were insurances provided by an employer to an employee. And this one, I'll just check if it has any details. Usually, they don't, but it might be here. Let's see here. Doesn't really have much details. It does say he employee core y f s. I'm not too sure what that exactly means, but it looks like he did have a, like, a previous insurance that was provided by an employer. And the the description for the insurances from or the coverage from, it just says member join date. Yep. Yep. So I'm assuming in 2023, that's when he was given the detached insurance, so detached from his employer. And then in 2024, that's when he was transitioned to a a child policy rather than a resolution life policy. Yeah. Correct. K. No worries. Alrighty. Well That's okay. Take care. You have a lovely day. 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AMP. Your call will be recorded for training and monitoring purposes. We manage the collection of your personal information in line with our privacy policy, which you can find at amp.com.au. If you are calling to discuss your client's Resolution Life insurance policy or retirement savings account, eligible rollover fund, whole of life, or endowment product, press 1. For all other inquiries, please press 0.\n\nPlease listen carefully as the following options have changed. If you are calling to discuss your client's superannuation policy, press 1. If you are calling to make a claim or follow-up an existing claim against insurance in a super policy, press 2. If you are calling to discuss your client's managed fund products If you're inquiring about a new policy, please press 1. If you are calling about our corporate super policies, please press 2.\n\nFor all other inquiries, please press 0. To hear these options Your call will be transferred to the first available customer service consultant. Thank you for your patience. You can lodge a notice of intent by logging in to My AMP. For more information, go to amp.com.au.\n\nClick on find a form and type notice of intent. To discuss with a customer service representative, please hold the line. Welcome to AMP Super. This is Winston speaking. I'm good.\n\nThank you. How are you? Okay. Sure. Okay.\n\nDo you have the account number? Okay. And can you confirm the account holder's full name and the and also the date of birth? Okay. And will you be able to confirm your full name and the company name?\n\nYeah. Okay. And what's your company address and phone number? Okay. Yep.\n\nAll good. Thank you for that. Yes. How can I help you today? Okay.\n\nLike, as in the insurance? Okay. Let's see. K. I'm just bringing up the information.\n\nIt won't be long. Okay. Yep. So we've got the death insurance and the insured amount. It's for 476,000.\n\nAnd then yep. Next, I'll just double check to see. Yeah. So income protection, two years nominated. And we've got here a covered amount for $3,835.\n\nOkay. I'll just double check here. So benefit to your period is two years, but I'll have to double check regarding the waiting period for for this one. And then So we're in the next transition life stage, total permanent disability, then the covered up insured amount for 476,000. And I'll just see whether there's any other ones.\n\nOkay. So that seems to be it. Regarding the income production, two years nominated, I'll just double check regarding the waiting period on this. Do you mind if I place you on a brief hold while I check? Okay.\n\nThank you. Okay. Thank you so much for holding on the line. Yep. So regarding the waiting period, I'll need to put you through to one of our team member to provide you more informations on the insurance on this.\n\nAnd Yep. Okay. Yep. Okay. Sure.\n\nYep. Yep. So regarding insurance yep, I can put you through so they could assist you further on this. Okay. All good.\n\nThank you. I'll put you through now. Thank you. Welcome to AMP. You're speaking with Alex.\n\nAm I speaking with Larissa? Hello? Not too bad, Larissa. How are you going today? Let's see here.\n\nSo you just wanted to confirm the waiting period. Is that correct? Yeah. Yeah. No worries.\n\nOkay. I'm sorted for you. So the waiting period for this member is thirty days. Yep. Mhmm.\n\nYeah. Mhmm. Yeah. Mhmm. Yeah.\n\nYeah. No worries. So this account was started on the September 14 in 2017. Now when you say the owner, do you mean just the account holder? Yep.\n\nOh, I mean right. Okay. Yep. Yep. So this one is out.\n\nSo that'd be our underwriter. I will go ahead and confirm the start date for the actual insurance policy itself because that might not be the same as the it looks like it was the 06/30/2023, this one. Mhmm. So it's monthly premiums, all of our so the monthly steps premiums. I'll go have a look at that one.\n\n11. K. So this one I'll just have a look. It might be written somewhere else. Usually, where you can see that it's underwritten, it's not displayed there.\n\nI might have to check a different system. Is it right if I just place you on hold for a moment while I load up the other system? No worries. Won't be too long at all. Hi, Lisa.\n\nThanks so much for holding. So I've just had a look on a different system here. So I think the reason why it wasn't listed on the other is because it's just not listed anywhere. So I'm assuming this one is not underwritten. Now I'll just double check as well for any, like, exclusions or or or Yep.\n\nJust if it does have that, then that might be better indicate. Doesn't look like there's any. So, yeah, there's no no no underwriting on this one. We don't have an occupation disclosed. We have an occupation category.\n\nI'll have a look at that one, whatever that is. Maybe here. Occupation category is okay. No. So it's not categorized.\n\nSo it's just the default or it wasn't applied when he was when he added the income protection to his account. So it looks like he had insurance from when the account opened, but what has happened so I'll go look at I'll use his TPD as an example. Seven. Correct. So when I open it up, it says effective as at the 04/01/2024.\n\nNow that was the exact date that Tau took over essentially all of their insurances unless they were retained from previous I think it was Resolution Life before that. So this member may have had a Resolution Life policy in 2023, but when the insurance was taken over in April 2024, it was transferred into the towel. But it looks like he actually had insurances as early at the account start date. Because when I go into his insurance benefits so where is it here? '11.\n\nSo he's got policies as early as as as 2017, but it looks like they were detached insurances as in they were insurances provided by an employer to an employee. And this one, I'll just check if it has any details. Usually, they don't, but it might be here. Let's see here. Doesn't really have much details.\n\nIt does say he employee core y f s. I'm not too sure what that exactly means, but it looks like he did have a, like, a previous insurance that was provided by an employer. And the the description for the insurances from or the coverage from, it just says member join date. Yep. Yep.\n\nSo I'm assuming in 2023, that's when he was given the detached insurance, so detached from his employer. And then in 2024, that's when he was transitioned to a a child policy rather than a resolution life policy. Yeah. Correct. K.\n\nNo worries. Alrighty. Well That's okay. Take care. You have a lovely day.\n\nBye.","paragraphs":[{"sentences":[{"text":"To AMP.","start":0.39999998,"end":1.06,"sentiment":"neutral","sentiment_score":0.010865467134863138},{"text":"Your call will be recorded for training and monitoring purposes.","start":1.4399999,"end":4.74,"sentiment":"neutral","sentiment_score":-0.005421428568661213},{"text":"We manage the collection of your personal information in line with our privacy policy, which you can find at amp.com.au.","start":5.2,"end":13.665,"sentiment":"neutral","sentiment_score":0.019062713719904423},{"text":"If you are calling to discuss your client's Resolution Life insurance policy or retirement savings account, eligible rollover fund, whole of life, or endowment product, press 1.","start":13.905,"end":25.205,"sentiment":"neutral","sentiment_score":0.006284626080068173},{"text":"For all other inquiries, please press 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good.","start":134.735,"end":135.295,"sentiment":"positive","sentiment_score":0.5693779587745667}],"sentiment":"neutral","sentiment_score":0.05747198776131676,"num_words":31,"start":78.625,"end":135.295},{"sentences":[{"text":"Thank you.","start":135.295,"end":135.695,"sentiment":"positive","sentiment_score":0.6661380231380463},{"text":"How are you?","start":135.695,"end":136.515,"sentiment":"positive","sentiment_score":0.4199138879776001},{"text":"Okay.","start":145.55,"end":146.05,"sentiment":"neutral","sentiment_score":0.06582997739315033},{"text":"Sure.","start":146.19,"end":146.69,"sentiment":"neutral","sentiment_score":0.058883801102638245},{"text":"Okay.","start":147.15,"end":147.39,"sentiment":"neutral","sentiment_score":0.03478298336267471}],"sentiment":"positive","sentiment_score":0.3439393090084195,"num_words":8,"start":135.295,"end":147.39},{"sentences":[{"text":"Do you have the account number?","start":147.39,"end":149.09,"sentiment":"neutral","sentiment_score":0.01966426180054744},{"text":"Okay.","start":161.57501,"end":162.05501,"sentiment":"neutral","sentiment_score":0.03841840475797653},{"text":"And can you confirm the account holder's full name and the and also the date of birth?","start":162.05501,"end":169.27501,"sentiment":"neutral","sentiment_score":0.01764432483297937},{"text":"Okay.","start":175.6,"end":176.1,"sentiment":"neutral","sentiment_score":0.019922610372304916},{"text":"And will you be able to confirm your full name and the company name?","start":188.585,"end":194.52501,"sentiment":"neutral","sentiment_score":0.01237654805715595}],"sentiment":"neutral","sentiment_score":0.016655173869087145,"num_words":39,"start":147.39,"end":194.52501},{"sentences":[{"text":"Yeah.","start":197.785,"end":198.285,"sentiment":"neutral","sentiment_score":0.031714700162410736},{"text":"Okay.","start":208.28,"end":208.78,"sentiment":"neutral","sentiment_score":0.023994753137230873},{"text":"And what's your company address and phone number?","start":208.92,"end":214.38,"sentiment":"neutral","sentiment_score":-0.002533654565922916},{"text":"Okay.","start":223.125,"end":223.625,"sentiment":"neutral","sentiment_score":0.20226646959781647},{"text":"Yep.","start":224.005,"end":224.505,"sentiment":"neutral","sentiment_score":0.31984949111938477}],"sentiment":"neutral","sentiment_score":0.04646301479078829,"num_words":12,"start":197.785,"end":224.505},{"sentences":[{"text":"All good.","start":224.645,"end":225.125,"sentiment":"positive","sentiment_score":0.6812324821949005},{"text":"Thank you for that.","start":225.125,"end":226.16501,"sentiment":"positive","sentiment_score":0.8119926154613495},{"text":"Yes.","start":226.16501,"end":226.40501,"sentiment":"positive","sentiment_score":0.5209119319915771},{"text":"How can I help you today?","start":226.40501,"end":227.785,"sentiment":"positive","sentiment_score":0.44642382860183716},{"text":"Okay.","start":245.575,"end":245.81499,"sentiment":"neutral","sentiment_score":0.0011798124760389328}],"sentiment":"positive","sentiment_score":0.5579335815938455,"num_words":14,"start":224.645,"end":245.81499},{"sentences":[{"text":"Like, as in the insurance?","start":245.81499,"end":247.275,"sentiment":"neutral","sentiment_score":-0.0034365490078926086},{"text":"Okay.","start":249.33499,"end":249.83499,"sentiment":"neutral","sentiment_score":0.025729786604642868},{"text":"Let's see.","start":250.215,"end":251.03499,"sentiment":"neutral","sentiment_score":0.020186958834528923},{"text":"K.","start":277.785,"end":278.02502,"sentiment":"neutral","sentiment_score":0.016925238072872162},{"text":"I'm just bringing up the information.","start":278.02502,"end":279.48502,"sentiment":"neutral","sentiment_score":0.028265262953937054}],"sentiment":"neutral","sentiment_score":0.015695851668715476,"num_words":15,"start":245.81499,"end":279.48502},{"sentences":[{"text":"It won't be long.","start":279.625,"end":280.685,"sentiment":"neutral","sentiment_score":0.021887892857193947},{"text":"Okay.","start":298.38998,"end":298.71,"sentiment":"neutral","sentiment_score":0.10804368555545808},{"text":"Yep.","start":298.71,"end":299.03,"sentiment":"neutral","sentiment_score":0.076506108045578},{"text":"So we've got the death insurance and the insured amount.","start":299.03,"end":304.945,"sentiment":"neutral","sentiment_score":0.01719212345778942},{"text":"It's for 476,000.","start":305.245,"end":310.065,"sentiment":"neutral","sentiment_score":0.030250325798988342}],"sentiment":"neutral","sentiment_score":0.028145977737087952,"num_words":19,"start":279.625,"end":310.065},{"sentences":[{"text":"And then yep.","start":314.445,"end":316.125,"sentiment":"neutral","sentiment_score":0.01683908545722564},{"text":"Next, I'll just double check to see.","start":316.125,"end":319.4,"sentiment":"neutral","sentiment_score":0.005874964209007365},{"text":"Yeah.","start":336.105,"end":336.345,"sentiment":"neutral","sentiment_score":0.031174462288618088},{"text":"So income protection, two years nominated.","start":336.345,"end":341.96503,"sentiment":"neutral","sentiment_score":0.025900878477841616},{"text":"And we've got here a covered amount for $3,835.","start":345.94,"end":351.8,"sentiment":"neutral","sentiment_score":0.031938780926995806}],"sentiment":"neutral","sentiment_score":0.021756567974359944,"num_words":26,"start":314.445,"end":351.8},{"sentences":[{"text":"Okay.","start":356.74,"end":357.24,"sentiment":"neutral","sentiment_score":0.011584713123738766},{"text":"I'll just double check here.","start":358.34,"end":359.835,"sentiment":"neutral","sentiment_score":0.00609542578458786},{"text":"So benefit to your period is two years, but I'll have to double check regarding the waiting period for for this one.","start":383.28998,"end":391.685,"sentiment":"neutral","sentiment_score":0.008930837595306168},{"text":"And then So we're in the next transition life stage, total permanent disability, then the covered up insured amount for 476,000.","start":391.74503,"end":414.58,"sentiment":"neutral","sentiment_score":0.019498085381374472},{"text":"And I'll just see whether there's any other ones.","start":420.80502,"end":423.385,"sentiment":"neutral","sentiment_score":0.012901808238691755}],"sentiment":"neutral","sentiment_score":0.01317441959138799,"num_words":58,"start":356.74,"end":423.385},{"sentences":[{"text":"Okay.","start":427.69998,"end":428.02,"sentiment":"neutral","sentiment_score":0.03253967687487602},{"text":"So that seems to be it.","start":428.02,"end":429.69998,"sentiment":"neutral","sentiment_score":0.025405583282311756},{"text":"Regarding the income production, two years nominated, I'll just double check regarding the waiting period on this.","start":429.69998,"end":438.66,"sentiment":"neutral","sentiment_score":0.0008118275333853329},{"text":"Do you mind if I place you on a brief hold while I check?","start":438.66,"end":441.4,"sentiment":"neutral","sentiment_score":-0.02070624367999179},{"text":"Okay.","start":443.345,"end":443.82498,"sentiment":"neutral","sentiment_score":0.18655866384506223}],"sentiment":"neutral","sentiment_score":0.0024473204349096,"num_words":39,"start":427.69998,"end":443.82498},{"sentences":[{"text":"Thank you.","start":443.82498,"end":444.565,"sentiment":"neutral","sentiment_score":0.290454238653183},{"text":"Okay.","start":698.96497,"end":699.46497,"sentiment":"neutral","sentiment_score":0.18542392551898956},{"text":"Thank you so much for holding on the line.","start":699.52496,"end":701.865,"sentiment":"positive","sentiment_score":0.40250148044692147},{"text":"Yep.","start":703.765,"end":704.085,"sentiment":"neutral","sentiment_score":0.10243497788906096},{"text":"So regarding the waiting period, I'll need to put you through to one of our team member to provide you more informations on the insurance on this.","start":704.085,"end":713.23004,"sentiment":"neutral","sentiment_score":0.02598883408225245}],"sentiment":"neutral","sentiment_score":0.12982448062393814,"num_words":40,"start":443.82498,"end":713.23004},{"sentences":[{"text":"And Yep.","start":714.41003,"end":715.63,"sentiment":"neutral","sentiment_score":0.034205686300992966},{"text":"Okay.","start":718.01,"end":718.49,"sentiment":"neutral","sentiment_score":0.11653737723827362},{"text":"Yep.","start":718.49,"end":718.99,"sentiment":"neutral","sentiment_score":0.063687764108181},{"text":"Okay.","start":719.45,"end":719.85004,"sentiment":"neutral","sentiment_score":0.07893171906471252},{"text":"Sure.","start":719.85004,"end":720.17004,"sentiment":"neutral","sentiment_score":0.09358665347099304}],"sentiment":"neutral","sentiment_score":0.07019248108069102,"num_words":6,"start":714.41003,"end":720.17004},{"sentences":[{"text":"Yep.","start":720.17004,"end":720.57,"sentiment":"neutral","sentiment_score":0.05941975116729736},{"text":"Yep.","start":720.57,"end":720.89,"sentiment":"neutral","sentiment_score":0.004097586497664452},{"text":"So regarding insurance yep, I can put you through so they could assist you further on this.","start":720.89,"end":726.425,"sentiment":"neutral","sentiment_score":0.11399227862848955},{"text":"Okay.","start":728.485,"end":728.805,"sentiment":"positive","sentiment_score":0.38942331075668335},{"text":"All good.","start":728.805,"end":729.285,"sentiment":"positive","sentiment_score":0.5677966773509979}],"sentiment":"neutral","sentiment_score":0.1602910336276347,"num_words":22,"start":720.17004,"end":729.285},{"sentences":[{"text":"Thank you.","start":729.285,"end":729.765,"sentiment":"positive","sentiment_score":0.6378665268421173},{"text":"I'll put you through now.","start":729.765,"end":730.905,"sentiment":"positive","sentiment_score":0.4164573967456818},{"text":"Thank you.","start":732.165,"end":732.985,"sentiment":"positive","sentiment_score":0.4540102332830429},{"text":"Welcome to AMP.","start":947.405,"end":948.28503,"sentiment":"neutral","sentiment_score":0.18454478681087494},{"text":"You're speaking with Alex.","start":948.28503,"end":949.72504,"sentiment":"neutral","sentiment_score":0.05664324667304754}],"sentiment":"neutral","sentiment_score":0.3153904906939715,"num_words":16,"start":729.285,"end":949.72504},{"sentences":[{"text":"Am I speaking with Larissa?","start":949.72504,"end":951.185,"sentiment":"neutral","sentiment_score":0.039081551134586334},{"text":"Hello?","start":956.205,"end":956.705,"sentiment":"neutral","sentiment_score":0.04149378463625908},{"text":"Not too bad, Larissa.","start":960.125,"end":961.005,"sentiment":"neutral","sentiment_score":0.2274605743587017},{"text":"How are you going today?","start":961.005,"end":962.065,"sentiment":"neutral","sentiment_score":0.24387677907943725},{"text":"Let's see here.","start":965.18,"end":965.98004,"sentiment":"neutral","sentiment_score":0.09754319737354915}],"sentiment":"neutral","sentiment_score":0.14770874029232395,"num_words":18,"start":949.72504,"end":965.98004},{"sentences":[{"text":"So you just wanted to confirm the waiting period.","start":965.98004,"end":967.82,"sentiment":"neutral","sentiment_score":0.03670714836981562},{"text":"Is that correct?","start":967.82,"end":968.72003,"sentiment":"neutral","sentiment_score":0.042002891500790916},{"text":"Yeah.","start":971.10004,"end":971.34,"sentiment":"neutral","sentiment_score":0.00943683460354805},{"text":"Yeah.","start":971.34,"end":971.74005,"sentiment":"neutral","sentiment_score":0.020253408700227737},{"text":"No worries.","start":971.74005,"end":972.46,"sentiment":"neutral","sentiment_score":0.01817525550723076}],"sentiment":"neutral","sentiment_score":0.03265086025930941,"num_words":16,"start":965.98004,"end":972.46},{"sentences":[{"text":"Okay.","start":972.46,"end":972.7,"sentiment":"neutral","sentiment_score":0.06878045201301575},{"text":"I'm sorted for you.","start":972.7,"end":974.48004,"sentiment":"neutral","sentiment_score":0.11859968304634094},{"text":"So the waiting period for this member is thirty days.","start":975.105,"end":978.805,"sentiment":"neutral","sentiment_score":0.0541024524718523},{"text":"Yep.","start":984.305,"end":984.805,"sentiment":"neutral","sentiment_score":0.21120935678482056},{"text":"Mhmm.","start":986.145,"end":986.305,"sentiment":"neutral","sentiment_score":0.03482843190431595}],"sentiment":"neutral","sentiment_score":0.07824949985917877,"num_words":17,"start":972.46,"end":986.305},{"sentences":[{"text":"Yeah.","start":986.305,"end":986.805,"sentiment":"neutral","sentiment_score":0.03955874964594841},{"text":"Mhmm.","start":988.865,"end":989.365,"sentiment":"neutral","sentiment_score":0.01665152981877327},{"text":"Yeah.","start":1000.65,"end":1001.15,"sentiment":"neutral","sentiment_score":-0.016736209392547607},{"text":"Mhmm.","start":1002.41003,"end":1002.91003,"sentiment":"neutral","sentiment_score":-0.006820628885179758},{"text":"Yeah.","start":1006.905,"end":1007.405,"sentiment":"neutral","sentiment_score":-0.0094167347997427}],"sentiment":"neutral","sentiment_score":0.004647341277450323,"num_words":5,"start":986.305,"end":1007.405},{"sentences":[{"text":"Yeah.","start":1010.985,"end":1011.145,"sentiment":"neutral","sentiment_score":0.012075340375304222},{"text":"No worries.","start":1011.145,"end":1011.705,"sentiment":"neutral","sentiment_score":0.014700042549520731},{"text":"So this account was started on the September 14 in 2017.","start":1011.705,"end":1015.565,"sentiment":"neutral","sentiment_score":0.026079118421131916},{"text":"Now when you say the owner, do you mean just the account holder?","start":1018.94,"end":1022.72003,"sentiment":"neutral","sentiment_score":-0.01863795705139637},{"text":"Yep.","start":1027.18,"end":1027.68,"sentiment":"neutral","sentiment_score":-0.008494451642036438}],"sentiment":"neutral","sentiment_score":0.0027699226713074105,"num_words":28,"start":1010.985,"end":1027.68},{"sentences":[{"text":"Oh, I mean right.","start":1027.9,"end":1029.44,"sentiment":"neutral","sentiment_score":-0.014943696092814207},{"text":"Okay.","start":1029.66,"end":1030.16,"sentiment":"neutral","sentiment_score":-0.006314903497695923},{"text":"Yep.","start":1031.18,"end":1031.655,"sentiment":"neutral","sentiment_score":-0.001454125507734716},{"text":"Yep.","start":1033.655,"end":1033.975,"sentiment":"neutral","sentiment_score":-0.002137050731107593},{"text":"So this one is out.","start":1033.975,"end":1035.595,"sentiment":"neutral","sentiment_score":-0.017516743019223215}],"sentiment":"neutral","sentiment_score":-0.013105381600325927,"num_words":12,"start":1027.9,"end":1035.595},{"sentences":[{"text":"So that'd be our underwriter.","start":1037.8151,"end":1039.1951,"sentiment":"neutral","sentiment_score":-0.013036166783422232},{"text":"I will go ahead and confirm the start date for the actual insurance policy itself because that might not be the same as the it looks like it was the 06/30/2023, this one.","start":1039.8151,"end":1050.6799,"sentiment":"neutral","sentiment_score":-0.02009586989879608},{"text":"Mhmm.","start":1054.1799,"end":1054.6799,"sentiment":"neutral","sentiment_score":0.017935222014784813},{"text":"So it's monthly premiums, all of our so the monthly steps premiums.","start":1060.6549,"end":1064.195,"sentiment":"neutral","sentiment_score":0.02460580881840239},{"text":"I'll go have a look at that one.","start":1071.695,"end":1073.3949,"sentiment":"neutral","sentiment_score":0.061502171447500587}],"sentiment":"neutral","sentiment_score":0.0013030128616650228,"num_words":59,"start":1037.8151,"end":1073.3949},{"sentences":[{"text":"11.","start":1077.04,"end":1077.54,"sentiment":"neutral","sentiment_score":0.0014736652374267578},{"text":"K.","start":1079.36,"end":1079.86,"sentiment":"neutral","sentiment_score":0.002626304514706135},{"text":"So this one I'll just have a look.","start":1108.67,"end":1119.385,"sentiment":"neutral","sentiment_score":0.0057339356280863285},{"text":"It might be written somewhere else.","start":1119.385,"end":1123.64,"sentiment":"neutral","sentiment_score":-0.04435822988549868},{"text":"Usually, where you can see that it's underwritten, it's not displayed there.","start":1123.64,"end":1127.32,"sentiment":"neutral","sentiment_score":-0.08571669956048329}],"sentiment":"neutral","sentiment_score":-0.04445636854507029,"num_words":28,"start":1077.04,"end":1127.32},{"sentences":[{"text":"I might have to check a different system.","start":1127.32,"end":1128.6799,"sentiment":"neutral","sentiment_score":-0.08754125144332647},{"text":"Is it right if I just place you on hold for a moment while I load up the other system?","start":1128.6799,"end":1132.22,"sentiment":"neutral","sentiment_score":0.0005630895961076021},{"text":"No worries.","start":1134.2,"end":1134.6799,"sentiment":"neutral","sentiment_score":0.24848803132772446},{"text":"Won't be too long at all.","start":1134.6799,"end":1135.875,"sentiment":"neutral","sentiment_score":0.2180654319624106},{"text":"Hi, Lisa.","start":1419.385,"end":1419.705,"sentiment":"neutral","sentiment_score":0.19971349090337753}],"sentiment":"neutral","sentiment_score":0.0398875635950581,"num_words":38,"start":1127.32,"end":1419.705},{"sentences":[{"text":"Thanks so much for holding.","start":1419.705,"end":1420.585,"sentiment":"positive","sentiment_score":0.5067118883132935},{"text":"So I've just had a look on a different system here.","start":1420.585,"end":1422.985,"sentiment":"neutral","sentiment_score":0.14005030420693484},{"text":"So I think the reason why it wasn't listed on the other is because it's just not listed anywhere.","start":1422.985,"end":1427.145,"sentiment":"neutral","sentiment_score":-0.0499675130765689},{"text":"So I'm assuming this one is not underwritten.","start":1427.145,"end":1429.325,"sentiment":"neutral","sentiment_score":-0.011593681643716991},{"text":"Now I'll just double check as well for any, like, exclusions or or or Yep.","start":1431.625,"end":1440.7,"sentiment":"neutral","sentiment_score":0.03989533334970474}],"sentiment":"neutral","sentiment_score":0.06259328597385821,"num_words":58,"start":1419.705,"end":1440.7},{"sentences":[{"text":"Just if it does have that, then that might be better indicate.","start":1440.92,"end":1444.68,"sentiment":"neutral","sentiment_score":0.03125588487212857},{"text":"Doesn't look like there's any.","start":1444.68,"end":1445.64,"sentiment":"neutral","sentiment_score":-0.02025378346443176},{"text":"So, yeah, there's no no no underwriting on this one.","start":1445.64,"end":1448.22,"sentiment":"neutral","sentiment_score":0.026385151222348212},{"text":"We don't have an occupation disclosed.","start":1454.105,"end":1455.7849,"sentiment":"neutral","sentiment_score":-0.03320252212385336},{"text":"We have an occupation category.","start":1455.7849,"end":1457.965,"sentiment":"neutral","sentiment_score":-0.010755891725420953}],"sentiment":"neutral","sentiment_score":0.007491016368332662,"num_words":38,"start":1440.92,"end":1457.965},{"sentences":[{"text":"I'll have a look at that one, whatever that is.","start":1459.625,"end":1463.245,"sentiment":"neutral","sentiment_score":0.037476721592247485},{"text":"Maybe here.","start":1464.48,"end":1465.3,"sentiment":"neutral","sentiment_score":0.011735234875231981},{"text":"Occupation category is okay.","start":1466.48,"end":1470.4,"sentiment":"neutral","sentiment_score":0.019223047886043787},{"text":"No.","start":1470.4,"end":1470.64,"sentiment":"neutral","sentiment_score":-0.0763218104839325},{"text":"So it's not categorized.","start":1470.64,"end":1471.9401,"sentiment":"neutral","sentiment_score":-0.08918514102697372}],"sentiment":"neutral","sentiment_score":0.002003214410727932,"num_words":21,"start":1459.625,"end":1471.9401},{"sentences":[{"text":"So it's just the default or it wasn't applied when he was when he added the income protection to his account.","start":1472.0,"end":1479.485,"sentiment":"neutral","sentiment_score":-0.0417050611050356},{"text":"So it looks like he had insurance from when the account opened, but what has happened so I'll go look at I'll use his TPD as an example.","start":1500.55,"end":1511.6951,"sentiment":"neutral","sentiment_score":-0.014606287370302848},{"text":"Seven.","start":1512.715,"end":1513.215,"sentiment":"neutral","sentiment_score":0.007576211355626583},{"text":"Correct.","start":1515.835,"end":1516.335,"sentiment":"neutral","sentiment_score":0.03895284980535507},{"text":"So when I open it up, it says effective as at the 04/01/2024.","start":1516.635,"end":1522.53,"sentiment":"neutral","sentiment_score":0.005131986092937251}],"sentiment":"neutral","sentiment_score":-0.018305272643829085,"num_words":64,"start":1472.0,"end":1522.53},{"sentences":[{"text":"Now that was the exact date that Tau took over essentially all of their insurances unless they were retained from previous I think it was Resolution Life before that.","start":1522.53,"end":1533.19,"sentiment":"neutral","sentiment_score":-0.028160207037781847},{"text":"So this member may have had a Resolution Life policy in 2023, but when the insurance was taken over in April 2024, it was transferred into the towel.","start":1534.29,"end":1547.245,"sentiment":"neutral","sentiment_score":-0.010986344922067863},{"text":"But it looks like he actually had insurances as early at the account start date.","start":1547.625,"end":1553.4299,"sentiment":"neutral","sentiment_score":0.024421389028429986},{"text":"Because when I go into his insurance benefits so where is it here?","start":1554.13,"end":1561.5099,"sentiment":"neutral","sentiment_score":-0.01058952696621418},{"text":"'11.","start":1563.73,"end":1564.23,"sentiment":"neutral","sentiment_score":-0.0008931359043344855}],"sentiment":"neutral","sentiment_score":-0.010424416429677242,"num_words":86,"start":1522.53,"end":1564.23},{"sentences":[{"text":"So he's got policies as early as as as 2017, but it looks like they were detached insurances as in they were insurances provided by an employer to an employee.","start":1565.015,"end":1575.275,"sentiment":"neutral","sentiment_score":-0.006136697484180331},{"text":"And this one, I'll just check if it has any details.","start":1577.0951,"end":1579.96,"sentiment":"neutral","sentiment_score":-0.006609243483663621},{"text":"Usually, they don't, but it might be here.","start":1579.96,"end":1582.38,"sentiment":"neutral","sentiment_score":-0.0316904925275594},{"text":"Let's see here.","start":1584.6799,"end":1585.74,"sentiment":"neutral","sentiment_score":-0.007372717683513959},{"text":"Doesn't really have much details.","start":1587.88,"end":1589.3999,"sentiment":"neutral","sentiment_score":-0.0692503310739994}],"sentiment":"neutral","sentiment_score":-0.015415725464679366,"num_words":57,"start":1565.015,"end":1589.3999},{"sentences":[{"text":"It does say he employee core y f s.","start":1589.3999,"end":1591.7999,"sentiment":"neutral","sentiment_score":-0.03150090409649743},{"text":"I'm not too sure what that exactly means, but it looks like he did have a, like, a previous insurance that was provided by an employer.","start":1591.7999,"end":1601.095,"sentiment":"neutral","sentiment_score":-0.050973849514356025},{"text":"And the the description for the insurances from or the coverage from, it just says member join date.","start":1601.635,"end":1608.695,"sentiment":"neutral","sentiment_score":-0.012870865253110727},{"text":"Yep.","start":1608.72,"end":1609.22,"sentiment":"neutral","sentiment_score":0.01459498330950737},{"text":"Yep.","start":1620.72,"end":1621.22,"sentiment":"neutral","sentiment_score":-0.004442526958882809}],"sentiment":"neutral","sentiment_score":-0.03327911531722004,"num_words":55,"start":1589.3999,"end":1621.22},{"sentences":[{"text":"So I'm assuming in 2023, that's when he was given the detached insurance, so detached from his employer.","start":1622.48,"end":1628.9349,"sentiment":"neutral","sentiment_score":0.03883737325668335},{"text":"And then in 2024, that's when he was transitioned to a a child policy rather than a resolution life policy.","start":1628.9349,"end":1635.515,"sentiment":"neutral","sentiment_score":0.0401660799048841},{"text":"Yeah.","start":1645.84,"end":1646.34,"sentiment":"neutral","sentiment_score":0.204910472035408},{"text":"Correct.","start":1659.215,"end":1659.715,"sentiment":"neutral","sentiment_score":0.23234418034553528},{"text":"K.","start":1664.095,"end":1664.575,"sentiment":"neutral","sentiment_score":0.1065872088074684}],"sentiment":"neutral","sentiment_score":0.049908199461131564,"num_words":41,"start":1622.48,"end":1664.575},{"sentences":[{"text":"No worries.","start":1664.575,"end":1665.2129,"sentiment":"neutral","sentiment_score":0.11596807837486267},{"text":"Alrighty.","start":1666.1729,"end":1666.6528,"sentiment":"positive","sentiment_score":0.6372905969619751},{"text":"Well That's okay.","start":1666.6528,"end":1668.1729,"sentiment":"positive","sentiment_score":0.4942684272925059},{"text":"Take care.","start":1668.1729,"end":1668.4929,"sentiment":"positive","sentiment_score":0.6044036746025085},{"text":"You have a lovely day.","start":1668.4929,"end":1669.7129,"sentiment":"positive","sentiment_score":0.7855831861495972}],"sentiment":"positive","sentiment_score":0.5760581011955554,"num_words":13,"start":1664.575,"end":1669.7129},{"sentences":[{"text":"Bye.","start":1671.5328,"end":1672.0328,"sentiment":"neutral","sentiment_score":-0.08900678902864456}],"sentiment":"neutral","sentiment_score":-0.08900678902864456,"num_words":1,"start":1671.5328,"end":1672.0328}]}}]}],"paragraphs":{"transcript":"\nChannel 1: To AMP. Your call will be recorded for training and monitoring purposes. We manage the collection of your personal information in line with our privacy policy, which you can find at amp.com.au. If you are calling to discuss your client's Resolution Life insurance policy or retirement savings account, eligible rollover fund, whole of life, or endowment product, press 1. For all other inquiries, please press 0.\n\nPlease listen carefully as the following options have changed. If you are calling to discuss your client's superannuation policy, press 1. If you are calling to make a claim or follow-up an existing claim against insurance in a super policy, press 2. If you are calling to discuss your client's managed fund products If you're inquiring about a new policy, please press 1. If you are calling about our corporate super policies, please press 2.\n\nFor all other inquiries, please press 0. To hear these options Your call will be transferred to the first available customer service consultant. Thank you for your patience. You can lodge a notice of intent by logging in to My AMP. For more information, go to amp.com.au.\n\nClick on find a form and type notice of intent. To discuss with a customer service representative, please hold the line. Welcome to AMP Super. This is Winston speaking.\n\nChannel 0: Hi, Winston. My name is Larissa from Oakview Financial. How are you going?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: Really good. Thank you. I have a third party authority on file for a client, and I just got a few questions, if I could, please.\n\nChannel 1: Okay. Sure. Okay. Do you have the account number?\n\nChannel 0: Sure do. It's 963729475.\n\nChannel 1: Okay. And can you confirm the account holder's full name and the and also the date of birth?\n\nChannel 0: Yeah. Jake William Della. Twenty four two ninety\n\nChannel 1: Okay.\n\nChannel 0: '6.\n\nChannel 1: And will you be able to confirm your full name and the company name?\n\nChannel 0: Yep. Larissa Coert, c o e r t. Oakview\n\nChannel 1: Yeah.\n\nChannel 0: Financial. AFSL number 513068.\n\nChannel 1: Okay. And what's your company address and phone number?\n\nChannel 0: 130160796. Suite 2011 Short Street, Southport, Queensland 4215.\n\nChannel 1: Okay. Yep. All good. Thank you for that. Yes.\n\nHow can I help you today?\n\nChannel 0: Cool. So I just wanted to confirm with regards to this account. I guess there's a there's a few things, and I wanna start at the beginning a little bit. So are you able to tell me what benefits are held under this account?\n\nChannel 1: Okay. Like, as in the insurance?\n\nChannel 0: Yes.\n\nChannel 1: Okay. Let's see. K. I'm just bringing up the information. It won't be long.\n\nChannel 0: Alright. You're so fine.\n\nChannel 1: Okay. Yep. So we've got the death insurance and the insured amount. It's for 476,000. And\n\nChannel 0: Okay.\n\nChannel 1: then yep. Next, I'll just double check to see. Yeah. So income protection, two years nominated.\n\nChannel 0: Yep.\n\nChannel 1: And we've got here a covered amount for $3,835.\n\nChannel 0: Waiting period, does it state?\n\nChannel 1: Okay. I'll just double check here. So benefit to your period is two years, but I'll have to double check regarding the waiting period\n\nChannel 0: Yep.\n\nChannel 1: for for this one. And then So we're in the next transition life stage, total permanent disability, then\n\nChannel 0: Yep.\n\nChannel 1: the covered up insured amount for 476,000.\n\nChannel 0: Yep.\n\nChannel 1: And I'll just see whether there's any other ones. Okay. So that seems to be it. Regarding the income production, two years nominated, I'll just double check regarding the waiting period on this. Do you mind if I place you on a brief hold while I check?\n\nChannel 0: Not a problem at all. Thank you.\n\nChannel 1: Okay. Thank you. Okay. Thank you so much for holding on the line.\n\nChannel 0: That's okay.\n\nChannel 1: Yep. So regarding the waiting period, I'll need to put you through to one of our team member to provide you more informations on the insurance on this.\n\nChannel 0: No. That's\n\nChannel 1: And\n\nChannel 0: okay. More\n\nChannel 1: Yep.\n\nChannel 0: than happy to go there because I have a few other questions, so it might\n\nChannel 1: Okay.\n\nChannel 0: be best.\n\nChannel 1: Yep. Okay. Sure. Yep. Yep.\n\nSo regarding insurance yep, I can put you through so they could assist you further on this.\n\nChannel 0: That'd be great. Thank you.\n\nChannel 1: Okay. All good. Thank you. I'll put you through now.\n\nChannel 0: Thanks.\n\nChannel 1: Thank you. Welcome to AMP. You're speaking with Alex. Am I speaking with Larissa? Hello?\n\nChannel 0: Hi, Alex. Yes. Larissa here. How are you going?\n\nChannel 1: Not too bad, Larissa. How are you going today?\n\nChannel 0: Not bad. Thank you.\n\nChannel 1: Let's see here. So you just wanted to confirm the waiting period. Is that correct?\n\nChannel 0: There was a few other questions I had, but, yeah,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: that's\n\nChannel 1: No\n\nChannel 0: one\n\nChannel 1: worries.\n\nChannel 0: of them.\n\nChannel 1: Okay. I'm sorted for you. So the waiting period for this member is thirty days.\n\nChannel 0: Perfect. Amazing. That answers\n\nChannel 1: Yep.\n\nChannel 0: one question,\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: and I've got a rundown on everything else, so that's fine.\n\nChannel 1: Mhmm.\n\nChannel 0: One of the there's there's a few things that I wanted to know with regards to this policy. So with respect to this policy, I wanted to know what the start date for\n\nChannel 1: Yeah.\n\nChannel 0: the policy was, who\n\nChannel 1: Mhmm.\n\nChannel 0: the owner is, how the payments are structured.\n\nChannel 1: Yeah.\n\nChannel 0: I'll I'll slow down. We can answer those three, and then we can jump into others.\n\nChannel 1: Yeah. No worries. So this account was started on the September 14 in 2017. Now when you\n\nChannel 0: Perfect.\n\nChannel 1: say the owner, do you mean just the account holder?\n\nChannel 0: No. Because, like, that's that's the life insured.\n\nChannel 1: Yep.\n\nChannel 0: So that would obviously\n\nChannel 1: Oh, I\n\nChannel 0: be\n\nChannel 1: mean\n\nChannel 0: the client,\n\nChannel 1: right.\n\nChannel 0: like, the Jake\n\nChannel 1: Okay.\n\nChannel 0: Della. So the actual owner\n\nChannel 1: Yep.\n\nChannel 0: of the insurance policy,\n\nChannel 1: Yep. So\n\nChannel 0: is it\n\nChannel 1: this one\n\nChannel 0: normally\n\nChannel 1: is\n\nChannel 0: the client?\n\nChannel 1: out.\n\nChannel 0: Mhmm.\n\nChannel 1: So that'd be our underwriter. I will go ahead and confirm the start date for the actual insurance policy itself because that\n\nChannel 0: Perfect.\n\nChannel 1: might not be the same as the it looks like it was the 06/30/2023, this one.\n\nChannel 0: 06/30/2023. Okay. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: So it's owned by Tau. Is it what's the payment structure? Is it paid monthly?\n\nChannel 1: So it's monthly premiums, all of our so the monthly steps premiums.\n\nChannel 0: Alright. Perfect. Was this policy underwritten, or is it a group underwritten policy?\n\nChannel 1: I'll go have a look at that one. 11. K. So this one I'll just have a look. It might be written somewhere else.\n\nUsually, where you can see that it's underwritten, it's not displayed there. I might have to check a different system. Is it right if I just place you on hold for a moment while I load up the other system?\n\nChannel 0: Absolutely. Thank you.\n\nChannel 1: No worries. Won't be too long at all. Hi, Lisa. Thanks so much for holding. So I've just had a look on a different system here.\n\nSo I think the reason why it wasn't listed on the other is because it's just not listed anywhere. So I'm assuming this one is not underwritten.\n\nChannel 0: Okay.\n\nChannel 1: Now I'll just double check as well for any, like, exclusions or or or\n\nChannel 0: Boatings or anything? Yeah.\n\nChannel 1: Yep. Just if it does have that, then that might be better\n\nChannel 0: Indicator.\n\nChannel 1: indicate. Doesn't look like there's any. So, yeah, there's no no no underwriting on this one.\n\nChannel 0: Okay. Perfect. Is there a occupation disclosed?\n\nChannel 1: We don't have an occupation disclosed. We have an occupation category.\n\nChannel 0: Yeah. Got it. Yeah.\n\nChannel 1: I'll have a look at that one, whatever that is. Maybe here. Occupation category is okay. No. So it's not categorized.\n\nSo it's just the default or it wasn't applied when he was when he added the income protection to his account.\n\nChannel 0: Okay. Cool. Are you able to clarify if you know or if you can find out? Was the underwriter for, like, the group policy is taken over by Tal in 2023? Is that why the insurance policy start date is 2023 rather than 2017 when the account opened?\n\nChannel 1: So it looks like he had insurance from when the account opened,\n\nChannel 0: Yep.\n\nChannel 1: but what has happened so I'll go look at I'll use his TPD as an example. Seven. Correct. So when I open it up, it says effective as at the 04/01/2024. Now that was the exact date that Tau took over essentially all of their insurances unless they were retained from previous I think it was Resolution Life before that.\n\nChannel 0: Yes.\n\nChannel 1: So this member may have had a Resolution Life policy in\n\nChannel 0: Yep.\n\nChannel 1: 2023, but when the insurance was taken over in April 2024, it was transferred into the towel. But it\n\nChannel 0: Cool.\n\nChannel 1: looks like he actually had insurances as early at the account start date. Because when I go into his insurance benefits so where is it here? '11. So he's got policies as early as as as 2017, but it looks like they were\n\nChannel 0: Cool.\n\nChannel 1: detached insurances as in they were insurances provided by an employer to an employee.\n\nChannel 0: Yep.\n\nChannel 1: And this one, I'll just check if it has any details. Usually, they don't, but it might be here. Let's see here. Doesn't really have much details. It does say he employee core y f s.\n\nI'm not too sure what that exactly means, but it looks like he did have a, like, a previous insurance that was provided by an employer. And the\n\nChannel 0: Okay.\n\nChannel 1: the description for the insurances from or the coverage from, it just says member join date. Yep.\n\nChannel 0: Okay. Cool. No. That's okay. Perfect.\n\nAlright. And then, obviously, client left employer, though all and all those policies were ceased, and it ends your going from\n\nChannel 1: Yep.\n\nChannel 0: town. Cool.\n\nChannel 1: So I'm assuming\n\nChannel 0: Alright.\n\nChannel 1: in 2023, that's when he was given the detached insurance, so detached from his employer. And then in 2024, that's when he was transitioned to a a child policy rather than a resolution life policy.\n\nChannel 0: Amazing. Okay. So and Tau the Tau effective start date was 01/04/2024.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Alright. Perfect. So this is a full group default, not underwritten policy.\n\nChannel 1: Correct.\n\nChannel 0: Cool. Alright. No. That answers everything that I had. That is\n\nChannel 1: K. No worries.\n\nChannel 0: perfect. Thank you so\n\nChannel 1: Alrighty.\n\nChannel 0: much for your\n\nChannel 1: Well\n\nChannel 0: help.\n\nChannel 1: That's okay. Take care. You have a lovely day.\n\nChannel 0: You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"To AMP.","start":0.39999998,"end":1.06,"sentiment":"neutral","sentiment_score":0.010865467134863138},{"text":"Your call will be recorded for training and monitoring purposes.","start":1.4399999,"end":4.74,"sentiment":"neutral","sentiment_score":-0.005421428568661213},{"text":"We manage the collection of your personal information in line with our privacy policy, which you can find at amp.com.au.","start":5.2,"end":13.665,"sentiment":"neutral","sentiment_score":0.019062713719904423},{"text":"If you are calling to discuss your client's Resolution Life insurance policy or retirement savings account, eligible rollover fund, whole of life, or endowment product, press 1.","start":13.905,"end":25.205,"sentiment":"neutral","sentiment_score":0.006284626080068173},{"text":"For all other inquiries, please press 0.","start":25.505001,"end":28.4,"sentiment":"neutral","sentiment_score":-0.009552297315427236}],"sentiment":"neutral","sentiment_score":0.006842268877803828,"channel":1,"num_words":66,"start":0.39999998,"end":28.4},{"sentences":[{"text":"Please listen carefully as the following options have changed.","start":29.900002,"end":33.04,"sentiment":"neutral","sentiment_score":-0.14014191180467606},{"text":"If you are calling to discuss your client's superannuation policy, press 1.","start":33.420002,"end":38.24,"sentiment":"neutral","sentiment_score":-0.023780538778131206},{"text":"If you are calling to make a claim or follow-up an existing claim against insurance in a super policy, press 2.","start":38.54,"end":45.934998,"sentiment":"neutral","sentiment_score":-0.03851546928109158},{"text":"If you are calling to discuss your client's managed fund products If you're inquiring about a new policy, please press 1.","start":45.934998,"end":53.954998,"sentiment":"neutral","sentiment_score":-0.014801100229046174},{"text":"If you are calling about our corporate super policies, please press 2.","start":54.33,"end":58.91,"sentiment":"neutral","sentiment_score":-0.011649501975625753}],"sentiment":"neutral","sentiment_score":-0.03741447540000081,"channel":1,"num_words":75,"start":29.900002,"end":58.91},{"sentences":[{"text":"For all other inquiries, please press 0.","start":59.13,"end":62.27,"sentiment":"neutral","sentiment_score":-0.007829719356128148},{"text":"To hear these options Your call will be transferred to the first available customer service consultant.","start":62.41,"end":68.51,"sentiment":"neutral","sentiment_score":-0.0469936523004435},{"text":"Thank you for your patience.","start":69.025,"end":70.165,"sentiment":"neutral","sentiment_score":0.1776255637407303},{"text":"You can lodge a notice of intent by logging in to My AMP.","start":70.384995,"end":74.005,"sentiment":"neutral","sentiment_score":-0.0033972664521290706},{"text":"For more information, go to amp.com.au.","start":74.625,"end":78.564995,"sentiment":"neutral","sentiment_score":0.01627052016556263}],"sentiment":"neutral","sentiment_score":0.0028697873089224735,"channel":1,"num_words":47,"start":59.13,"end":78.564995},{"sentences":[{"text":"Click on find a form and type notice of intent.","start":78.625,"end":82.085,"sentiment":"neutral","sentiment_score":-0.02276416774839163},{"text":"To discuss with a customer service representative, please hold the line.","start":82.37,"end":86.47,"sentiment":"neutral","sentiment_score":-0.05550906265323812},{"text":"Welcome to AMP Super.","start":126.175,"end":127.775,"sentiment":"neutral","sentiment_score":0.24456358700990677},{"text":"This is Winston speaking.","start":127.775,"end":129.395,"sentiment":"neutral","sentiment_score":0.1257156804203987}],"sentiment":"neutral","sentiment_score":0.02216812769143746,"channel":1,"num_words":29,"start":78.625,"end":129.395},{"sentences":[{"text":"Hi, Winston.","start":130.23,"end":131.13,"sentiment":"neutral","sentiment_score":0.2911323383450508},{"text":"My name is Larissa from Oakview Financial.","start":131.19,"end":133.19,"sentiment":"neutral","sentiment_score":0.23519048946244375},{"text":"How are you going?","start":133.19,"end":134.09,"sentiment":"positive","sentiment_score":0.3501175791025162}],"sentiment":"neutral","sentiment_score":0.2791591091797902,"channel":0,"num_words":13,"start":130.23,"end":134.09},{"sentences":[{"text":"I'm good.","start":134.735,"end":135.295,"sentiment":"positive","sentiment_score":0.5693779587745667},{"text":"Thank you.","start":135.295,"end":135.695,"sentiment":"positive","sentiment_score":0.6661380231380463},{"text":"How are you?","start":135.695,"end":136.515,"sentiment":"positive","sentiment_score":0.4199138879776001}],"sentiment":"positive","sentiment_score":0.5329676611082894,"channel":1,"num_words":7,"start":134.735,"end":136.515},{"sentences":[{"text":"Really good.","start":136.875,"end":137.515,"sentiment":"positive","sentiment_score":0.667816549539566},{"text":"Thank you.","start":137.515,"end":138.335,"sentiment":"positive","sentiment_score":0.6806575953960419},{"text":"I have a third party authority on file for a client, and I just got a few questions, if I could, please.","start":138.875,"end":144.815,"sentiment":"neutral","sentiment_score":0.11191500723361969}],"sentiment":"neutral","sentiment_score":0.19842609419272497,"channel":0,"num_words":26,"start":136.875,"end":144.815},{"sentences":[{"text":"Okay.","start":145.55,"end":146.05,"sentiment":"neutral","sentiment_score":0.06582997739315033},{"text":"Sure.","start":146.19,"end":146.69,"sentiment":"neutral","sentiment_score":0.058883801102638245},{"text":"Okay.","start":147.15,"end":147.39,"sentiment":"neutral","sentiment_score":0.03478298336267471},{"text":"Do you have the account number?","start":147.39,"end":149.09,"sentiment":"neutral","sentiment_score":0.01966426180054744}],"sentiment":"neutral","sentiment_score":0.03083137029574977,"channel":1,"num_words":9,"start":145.55,"end":149.09},{"sentences":[{"text":"Sure do.","start":149.53,"end":150.25,"sentiment":"neutral","sentiment_score":0.054671186953783035},{"text":"It's 963729475.","start":150.25,"end":155.95,"sentiment":"neutral","sentiment_score":0.021243141032755375}],"sentiment":"neutral","sentiment_score":0.037957163993269205,"channel":0,"num_words":4,"start":149.53,"end":155.95},{"sentences":[{"text":"Okay.","start":161.57501,"end":162.05501,"sentiment":"neutral","sentiment_score":0.03841840475797653},{"text":"And can you confirm the account holder's full name and the and also the date of birth?","start":162.05501,"end":169.27501,"sentiment":"neutral","sentiment_score":0.01764432483297937}],"sentiment":"neutral","sentiment_score":0.018798440384368103,"channel":1,"num_words":18,"start":161.57501,"end":169.27501},{"sentences":[{"text":"Yeah.","start":169.625,"end":170.105,"sentiment":"neutral","sentiment_score":0.01855531334877014},{"text":"Jake William Della.","start":170.105,"end":171.325,"sentiment":"neutral","sentiment_score":0.006879942957311869},{"text":"Twenty four two ninety","start":171.465,"end":174.16,"sentiment":"neutral","sentiment_score":0.0059726787731051445}],"sentiment":"neutral","sentiment_score":0.00788573216414079,"channel":0,"num_words":8,"start":169.625,"end":174.16},{"sentences":[{"text":"Okay.","start":175.6,"end":176.1,"sentiment":"neutral","sentiment_score":0.019922610372304916}],"sentiment":"neutral","sentiment_score":0.019922610372304916,"channel":1,"num_words":1,"start":175.6,"end":176.1},{"sentences":[{"text":"'6.","start":177.58,"end":178.08,"sentiment":"neutral","sentiment_score":0.007884570397436619}],"sentiment":"neutral","sentiment_score":0.007884570397436619,"channel":0,"num_words":1,"start":177.58,"end":178.08},{"sentences":[{"text":"And will you be able to confirm your full name and the company name?","start":188.585,"end":194.52501,"sentiment":"neutral","sentiment_score":0.01237654805715595}],"sentiment":"neutral","sentiment_score":0.01237654805715595,"channel":1,"num_words":14,"start":188.585,"end":194.52501},{"sentences":[{"text":"Yep.","start":194.715,"end":195.11499,"sentiment":"neutral","sentiment_score":0.016994308680295944},{"text":"Larissa Coert, c o e r t.","start":195.11499,"end":197.375,"sentiment":"neutral","sentiment_score":0.012265499814280443},{"text":"Oakview","start":197.435,"end":197.935,"sentiment":"neutral","sentiment_score":0.023685112595558167}],"sentiment":"neutral","sentiment_score":0.01405976888620191,"channel":0,"num_words":9,"start":194.715,"end":197.935},{"sentences":[{"text":"Yeah.","start":197.785,"end":198.285,"sentiment":"neutral","sentiment_score":0.031714700162410736}],"sentiment":"neutral","sentiment_score":0.031714700162410736,"channel":1,"num_words":1,"start":197.785,"end":198.285},{"sentences":[{"text":"Financial.","start":198.155,"end":198.655,"sentiment":"neutral","sentiment_score":0.00946733634918928},{"text":"AFSL number 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example.","start":1505.275,"end":1511.6951,"sentiment":"neutral","sentiment_score":-0.012093020952306688},{"text":"Seven.","start":1512.715,"end":1513.215,"sentiment":"neutral","sentiment_score":0.007576211355626583},{"text":"Correct.","start":1515.835,"end":1516.335,"sentiment":"neutral","sentiment_score":0.03895284980535507},{"text":"So when I open it up, it says effective as at the 04/01/2024.","start":1516.635,"end":1522.53,"sentiment":"neutral","sentiment_score":0.005131986092937251},{"text":"Now that was the exact date that Tau took over essentially all of their insurances unless they were retained from previous I think it was Resolution Life before that.","start":1522.53,"end":1533.19,"sentiment":"neutral","sentiment_score":-0.028160207037781847}],"sentiment":"neutral","sentiment_score":-0.014948157649390245,"channel":1,"num_words":60,"start":1505.275,"end":1533.19},{"sentences":[{"text":"Yes.","start":1533.485,"end":1533.985,"sentiment":"neutral","sentiment_score":0.035717613995075226}],"sentiment":"neutral","sentiment_score":0.035717613995075226,"channel":0,"num_words":1,"start":1533.485,"end":1533.985},{"sentences":[{"text":"So this member may have had a Resolution Life policy in","start":1534.29,"end":1538.585,"sentiment":"neutral","sentiment_score":0.012115261940793558}],"sentiment":"neutral","sentiment_score":0.012115261940793558,"channel":1,"num_words":11,"start":1534.29,"end":1538.585},{"sentences":[{"text":"Yep.","start":1538.46,"end":1538.96,"sentiment":"neutral","sentiment_score":0.016313865780830383}],"sentiment":"neutral","sentiment_score":0.016313865780830383,"channel":0,"num_words":1,"start":1538.46,"end":1538.96},{"sentences":[{"text":"2023, but when the insurance was taken over in April 2024, it was transferred into the towel.","start":1538.585,"end":1547.245,"sentiment":"neutral","sentiment_score":-0.02593444348038996},{"text":"But it","start":1547.625,"end":1548.1849,"sentiment":"neutral","sentiment_score":0.05696355178952217}],"sentiment":"neutral","sentiment_score":-0.01720833871513605,"channel":1,"num_words":19,"start":1538.585,"end":1548.1849},{"sentences":[{"text":"Cool.","start":1548.14,"end":1548.64,"sentiment":"neutral","sentiment_score":0.0942608192563057}],"sentiment":"neutral","sentiment_score":0.0942608192563057,"channel":0,"num_words":1,"start":1548.14,"end":1548.64},{"sentences":[{"text":"looks like he actually had insurances as early at the account start date.","start":1548.1849,"end":1553.4299,"sentiment":"neutral","sentiment_score":0.019414902449800417},{"text":"Because when I go into his insurance benefits so where is it here?","start":1554.13,"end":1561.5099,"sentiment":"neutral","sentiment_score":-0.01058952696621418},{"text":"'11.","start":1563.73,"end":1564.23,"sentiment":"neutral","sentiment_score":-0.0008931359043344855},{"text":"So he's got policies as early as as as 2017, but it looks like they were","start":1565.015,"end":1570.2151,"sentiment":"neutral","sentiment_score":0.0016571568849030882}],"sentiment":"neutral","sentiment_score":0.003263982686993861,"channel":1,"num_words":43,"start":1548.1849,"end":1570.2151},{"sentences":[{"text":"Cool.","start":1569.93,"end":1570.43,"sentiment":"neutral","sentiment_score":0.004119311459362507}],"sentiment":"neutral","sentiment_score":0.004119311459362507,"channel":0,"num_words":1,"start":1569.93,"end":1570.43},{"sentences":[{"text":"detached insurances as in they were insurances provided by an employer to an employee.","start":1570.2151,"end":1575.275,"sentiment":"neutral","sentiment_score":-0.015043959620275668}],"sentiment":"neutral","sentiment_score":-0.015043959620275668,"channel":1,"num_words":14,"start":1570.2151,"end":1575.275},{"sentences":[{"text":"Yep.","start":1575.9451,"end":1576.4451,"sentiment":"neutral","sentiment_score":0.0063689458183944225}],"sentiment":"neutral","sentiment_score":0.0063689458183944225,"channel":0,"num_words":1,"start":1575.9451,"end":1576.4451},{"sentences":[{"text":"And this one, I'll just check if it has any details.","start":1577.0951,"end":1579.96,"sentiment":"neutral","sentiment_score":-0.006609243483663621},{"text":"Usually, they don't, but it might be here.","start":1579.96,"end":1582.38,"sentiment":"neutral","sentiment_score":-0.0316904925275594},{"text":"Let's see here.","start":1584.6799,"end":1585.74,"sentiment":"neutral","sentiment_score":-0.007372717683513959},{"text":"Doesn't really have much details.","start":1587.88,"end":1589.3999,"sentiment":"neutral","sentiment_score":-0.0692503310739994},{"text":"It does say he employee core y f s.","start":1589.3999,"end":1591.7999,"sentiment":"neutral","sentiment_score":-0.03150090409649743}],"sentiment":"neutral","sentiment_score":-0.02716954343971641,"channel":1,"num_words":36,"start":1577.0951,"end":1591.7999},{"sentences":[{"text":"I'm not too sure what that exactly means, but it looks like he did have a, like, a previous insurance that was provided by an employer.","start":1591.7999,"end":1601.095,"sentiment":"neutral","sentiment_score":-0.050973849514356025},{"text":"And the","start":1601.635,"end":1602.375,"sentiment":"neutral","sentiment_score":-0.012720140628516674}],"sentiment":"neutral","sentiment_score":-0.04824144173679607,"channel":1,"num_words":28,"start":1591.7999,"end":1602.375},{"sentences":[{"text":"Okay.","start":1602.135,"end":1602.635,"sentiment":"neutral","sentiment_score":-0.013436747714877129}],"sentiment":"neutral","sentiment_score":-0.013436747714877129,"channel":0,"num_words":1,"start":1602.135,"end":1602.635},{"sentences":[{"text":"the description for the insurances from or the coverage from, it just says member join date.","start":1603.5549,"end":1608.695,"sentiment":"neutral","sentiment_score":-0.012889705831184983},{"text":"Yep.","start":1608.72,"end":1609.22,"sentiment":"neutral","sentiment_score":0.01459498330950737}],"sentiment":"neutral","sentiment_score":-0.011272959411144257,"channel":1,"num_words":17,"start":1603.5549,"end":1609.22},{"sentences":[{"text":"Okay.","start":1609.895,"end":1610.2151,"sentiment":"neutral","sentiment_score":0.0340319499373436},{"text":"Cool.","start":1610.2151,"end":1610.535,"sentiment":"neutral","sentiment_score":0.042993128299713135},{"text":"No.","start":1610.535,"end":1610.6151,"sentiment":"neutral","sentiment_score":-0.04490214213728905},{"text":"That's okay.","start":1610.6151,"end":1611.255,"sentiment":"neutral","sentiment_score":-0.01919817179441452},{"text":"Perfect.","start":1611.255,"end":1611.755,"sentiment":"neutral","sentiment_score":0.19599345326423645}],"sentiment":"neutral","sentiment_score":0.03162000762919585,"channel":0,"num_words":6,"start":1609.895,"end":1611.755},{"sentences":[{"text":"Alright.","start":1612.59,"end":1612.99,"sentiment":"neutral","sentiment_score":0.0818832740187645},{"text":"And then, obviously, client left employer, though all and all those policies were ceased, and it ends your going from","start":1612.99,"end":1620.75,"sentiment":"neutral","sentiment_score":-0.013434348069131375}],"sentiment":"neutral","sentiment_score":-0.008895413683993476,"channel":0,"num_words":21,"start":1612.59,"end":1620.75},{"sentences":[{"text":"Yep.","start":1620.72,"end":1621.22,"sentiment":"neutral","sentiment_score":-0.004442526958882809}],"sentiment":"neutral","sentiment_score":-0.004442526958882809,"channel":1,"num_words":1,"start":1620.72,"end":1621.22},{"sentences":[{"text":"town.","start":1620.75,"end":1620.99,"sentiment":"neutral","sentiment_score":0.008977610617876053},{"text":"Cool.","start":1620.99,"end":1621.49,"sentiment":"neutral","sentiment_score":0.10877414047718048}],"sentiment":"neutral","sentiment_score":0.05887587554752827,"channel":0,"num_words":2,"start":1620.75,"end":1621.49},{"sentences":[{"text":"So I'm assuming","start":1622.48,"end":1623.28,"sentiment":"neutral","sentiment_score":0.06925058364868164}],"sentiment":"neutral","sentiment_score":0.06925058364868164,"channel":1,"num_words":3,"start":1622.48,"end":1623.28},{"sentences":[{"text":"Alright.","start":1622.91,"end":1623.41,"sentiment":"neutral","sentiment_score":0.040542468428611755}],"sentiment":"neutral","sentiment_score":0.040542468428611755,"channel":0,"num_words":1,"start":1622.91,"end":1623.41},{"sentences":[{"text":"in 2023, that's when he was given the detached insurance, so detached from his employer.","start":1623.28,"end":1628.9349,"sentiment":"neutral","sentiment_score":0.03275473117828369},{"text":"And then in 2024, that's when he was transitioned to a a child policy rather than a resolution life policy.","start":1628.9349,"end":1635.515,"sentiment":"neutral","sentiment_score":0.0401660799048841}],"sentiment":"neutral","sentiment_score":0.036989787593483925,"channel":1,"num_words":35,"start":1623.28,"end":1635.515},{"sentences":[{"text":"Amazing.","start":1636.7001,"end":1637.2001,"sentiment":"neutral","sentiment_score":0.2451963573694229},{"text":"Okay.","start":1638.14,"end":1638.64,"sentiment":"neutral","sentiment_score":0.13704976439476013},{"text":"So and Tau the Tau effective start date was 01/04/2024.","start":1639.66,"end":1645.36,"sentiment":"neutral","sentiment_score":0.11155424490571023}],"sentiment":"neutral","sentiment_score":0.12481571423510711,"channel":0,"num_words":12,"start":1636.7001,"end":1645.36},{"sentences":[{"text":"Yeah.","start":1645.84,"end":1646.34,"sentiment":"neutral","sentiment_score":0.204910472035408}],"sentiment":"neutral","sentiment_score":0.204910472035408,"channel":1,"num_words":1,"start":1645.84,"end":1646.34},{"sentences":[{"text":"Cool.","start":1646.7001,"end":1647.2001,"sentiment":"positive","sentiment_score":0.35522186756134033},{"text":"Alright.","start":1651.875,"end":1652.275,"sentiment":"positive","sentiment_score":0.35795164108276367},{"text":"Perfect.","start":1652.275,"end":1652.775,"sentiment":"positive","sentiment_score":0.4677509665489197},{"text":"So this is a full group default, not underwritten policy.","start":1653.875,"end":1659.095,"sentiment":"neutral","sentiment_score":0.2881087318062782}],"sentiment":"neutral","sentiment_score":0.312462445635062,"channel":0,"num_words":13,"start":1646.7001,"end":1659.095},{"sentences":[{"text":"Correct.","start":1659.215,"end":1659.715,"sentiment":"neutral","sentiment_score":0.23234418034553528}],"sentiment":"neutral","sentiment_score":0.23234418034553528,"channel":1,"num_words":1,"start":1659.215,"end":1659.715},{"sentences":[{"text":"Cool.","start":1660.355,"end":1660.855,"sentiment":"neutral","sentiment_score":0.2966456413269043},{"text":"Alright.","start":1661.28,"end":1661.52,"sentiment":"neutral","sentiment_score":0.19245877861976624},{"text":"No.","start":1661.52,"end":1661.92,"sentiment":"neutral","sentiment_score":0.15156841278076172},{"text":"That answers everything that I had.","start":1661.92,"end":1663.4601,"sentiment":"neutral","sentiment_score":0.1447813386718432},{"text":"That is","start":1663.6001,"end":1664.3401,"sentiment":"neutral","sentiment_score":0.11677655950188637}],"sentiment":"neutral","sentiment_score":0.1584467257965695,"channel":0,"num_words":11,"start":1660.355,"end":1664.3401},{"sentences":[{"text":"K.","start":1664.095,"end":1664.575,"sentiment":"neutral","sentiment_score":0.1065872088074684},{"text":"No worries.","start":1664.575,"end":1665.2129,"sentiment":"neutral","sentiment_score":0.11596807837486267}],"sentiment":"neutral","sentiment_score":0.11284112185239792,"channel":1,"num_words":3,"start":1664.095,"end":1665.2129},{"sentences":[{"text":"perfect.","start":1664.9601,"end":1665.4601,"sentiment":"positive","sentiment_score":0.8635498285293579},{"text":"Thank you so","start":1665.6001,"end":1666.24,"sentiment":"positive","sentiment_score":0.8567748069763184}],"sentiment":"positive","sentiment_score":0.8584685623645782,"channel":0,"num_words":4,"start":1664.9601,"end":1666.24},{"sentences":[{"text":"Alrighty.","start":1666.1729,"end":1666.6528,"sentiment":"positive","sentiment_score":0.6372905969619751}],"sentiment":"positive","sentiment_score":0.6372905969619751,"channel":1,"num_words":1,"start":1666.1729,"end":1666.6528},{"sentences":[{"text":"much for your","start":1666.24,"end":1666.7201,"sentiment":"positive","sentiment_score":0.7251049478848776}],"sentiment":"positive","sentiment_score":0.7251049478848776,"channel":0,"num_words":3,"start":1666.24,"end":1666.7201},{"sentences":[{"text":"Well","start":1666.6528,"end":1666.893,"sentiment":"positive","sentiment_score":0.47163787484169006}],"sentiment":"positive","sentiment_score":0.47163787484169006,"channel":1,"num_words":1,"start":1666.6528,"end":1666.893},{"sentences":[{"text":"help.","start":1666.7201,"end":1667.2201,"sentiment":"positive","sentiment_score":0.6375269889831543}],"sentiment":"positive","sentiment_score":0.6375269889831543,"channel":0,"num_words":1,"start":1666.7201,"end":1667.2201},{"sentences":[{"text":"That's okay.","start":1667.6129,"end":1668.1729,"sentiment":"positive","sentiment_score":0.5055837035179138},{"text":"Take care.","start":1668.1729,"end":1668.4929,"sentiment":"positive","sentiment_score":0.6044036746025085},{"text":"You have a lovely day.","start":1668.4929,"end":1669.7129,"sentiment":"positive","sentiment_score":0.7855831861495972}],"sentiment":"positive","sentiment_score":0.6830989652209811,"channel":1,"num_words":9,"start":1667.6129,"end":1669.7129},{"sentences":[{"text":"You too.","start":1669.68,"end":1670.4,"sentiment":"positive","sentiment_score":0.5430322289466858},{"text":"Bye.","start":1670.4,"end":1670.9,"sentiment":"neutral","sentiment_score":0.27634161710739136}],"sentiment":"positive","sentiment_score":0.45413535833358765,"channel":0,"num_words":3,"start":1669.68,"end":1670.9},{"sentences":[{"text":"Bye.","start":1671.5328,"end":1672.0328,"sentiment":"neutral","sentiment_score":-0.08900678902864456}],"sentiment":"neutral","sentiment_score":-0.08900678902864456,"channel":1,"num_words":1,"start":1671.5328,"end":1672.0328}]},"summary":{"result":"success","short":"The customer is calling AMP Super and is given options to direct their call. They are transferred to a customer service representative who confirms their account details, coverage, and benefits, and transfers them to another representative to provide more information on their insurance policy. The insurance agent confirms the waiting period for a policy, checks their insurance policy, and confirms their coverage and benefits. They also check for any exclusions or occupation information and confirm the policy is a full group default. The agent confirms the start date and payment structure, checks the system, and confirms that the policy is owned by the client and has no exclusions or occupation information."},"intents":{"segments":[{"text":"If you are calling to discuss your client's Resolution Life insurance policy or retirement savings account, eligible rollover fund, whole of life, or endowment product, press 1. For all other inquiries, please press 0. Please listen carefully as the following options have changed.","start_word":32,"end_word":74,"intents":[{"intent":"Discuss and request information","confidence_score":0.0000034976688}]},{"text":"So I just wanted to confirm with regards to this account. I guess there's a there's a few things, and I wanna start at the beginning a little bit. So are you able to tell me what benefits are held under this account?","start_word":365,"end_word":407,"intents":[{"intent":"Confirm account information","confidence_score":0.17606235}]},{"text":"Like, as in the insurance? Yes. Okay.","start_word":409,"end_word":415,"intents":[{"intent":"Provide insurance information","confidence_score":0.0020063708},{"intent":"Provide insurance information","confidence_score":0.096826605}]},{"text":"So regarding insurance yep, I can put you through so they could assist you further on this. That'd be great.","start_word":660,"end_word":679,"intents":[{"intent":"Assist with insurance","confidence_score":0.082843654}]},{"text":"So you just wanted to confirm the waiting period. Is that correct?","start_word":732,"end_word":743,"intents":[{"intent":"Confirm waiting period","confidence_score":0.8397206}]},{"text":"That answers Yep. one question, Mhmm. Yeah.","start_word":779,"end_word":785,"intents":[{"intent":"Answer questions","confidence_score":0.6257223}]},{"text":"One of the there's there's a few things that I wanted to know with regards to this policy. So with respect to this policy, I wanted to know what the start date for Yeah.","start_word":798,"end_word":831,"intents":[{"intent":"Inquire about policy start date","confidence_score":0.05131607}]},{"text":"say the owner, do you mean just the account holder? No.","start_word":880,"end_word":890,"intents":[{"intent":"Ask about owner name","confidence_score":0.00029111342}]},{"text":"say the owner, do you mean just the account holder? No. Because, like, that's that's the life insured. Yep.","start_word":880,"end_word":898,"intents":[{"intent":"Confirm insurance policy ownership","confidence_score":0.13705717}]},{"text":"Are you able to clarify if you know or if you can find out? Was the underwriter for, like, the group policy is taken over by Tal in 2023? Is that why the insurance policy start date is 2023 rather than 2017 when the account opened?","start_word":1253,"end_word":1298,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.025048327}]},{"text":"looks like he actually had insurances as early at the account start date. Because when I go into his insurance benefits so where is it here?","start_word":1405,"end_word":1430,"intents":[{"intent":"Inquire about insurance details","confidence_score":0.0026188623}]}]},"sentiments":{"segments":[{"text":"To AMP. Your call will be recorded for training and monitoring purposes. We manage the collection of your personal information in line with our privacy policy, which you can find at amp.com.au. If you are calling to discuss your client's Resolution Life insurance policy or retirement savings account, eligible rollover fund, whole of life, or endowment product, press 1. For all other inquiries, please press 0. Please listen carefully as the following options have changed. If you are calling to discuss your client's superannuation policy, press 1. If you are calling to make a claim or follow-up an existing claim against insurance in a super policy, press 2. If you are calling to discuss your client's managed fund products If you're inquiring about a new policy, please press 1. If you are calling about our corporate super policies, please press 2. For all other inquiries, please press 0. To hear these options Your call will be transferred to the first available customer service consultant. Thank you for your patience. You can lodge a notice of intent by logging in to My AMP. For more information, go to amp.com.au. Click on find a form and type notice of intent. To discuss with a customer service representative, please hold the line. Welcome to AMP Super. This is Winston speaking. Hi, Winston. My name is Larissa from Oakview Financial.","start_word":0,"end_word":225,"sentiment":"neutral","sentiment_score":0.006332739256322384},{"text":"How are you going? I'm good. Thank you. How are you? Really good. Thank you.","start_word":226,"end_word":240,"sentiment":"positive","sentiment_score":0.5341454744338989},{"text":"I have a third party authority on file for a client, and I just got a few questions, if I could, please. Okay. Sure. Okay. Do you have the account number? Sure do. It's 963729475. Okay. And can you confirm the account holder's full name and the and also the date of birth? Yeah. Jake William Della. Twenty four two ninety Okay. '6. And will you be able to confirm your full name and the company name? Yep. Larissa Coert, c o e r t. Oakview Yeah. Financial. AFSL number 513068. Okay. And what's your company address and phone number? 130160796. Suite 2011 Short Street, Southport, Queensland 4215. Okay. Yep.","start_word":241,"end_word":350,"sentiment":"neutral","sentiment_score":0.038234327631917864},{"text":"All good. Thank you for that. Yes. How can I help you today? Cool.","start_word":351,"end_word":364,"sentiment":"positive","sentiment_score":0.5809859037399292},{"text":"So I just wanted to confirm with regards to this account. I guess there's a there's a few things, and I wanna start at the beginning a little bit. So are you able to tell me what benefits are held under this account? Okay. Like, as in the insurance? Yes. Okay. Let's see. K. I'm just bringing up the information. It won't be long. Alright. You're so fine. Okay. Yep. So we've got the death insurance and the insured amount. It's for 476,000. And Okay. then yep. Next, I'll just double check to see. Yeah. So income protection, two years nominated. Yep. And we've got here a covered amount for $3,835. Waiting period, does it state? Okay. I'll just double check here. So benefit to your period is two years, but I'll have to double check regarding the waiting period Yep. for for this one. And then So we're in the next transition life stage, total permanent disability, then Yep. the covered up insured amount for 476,000. Yep. And I'll just see whether there's any other ones. Okay. So that seems to be it. Regarding the income production, two years nominated, I'll just double check regarding the waiting period on this. Do you mind if I place you on a brief hold while I check? Not a problem at all. Thank you. Okay. Thank you. Okay.","start_word":365,"end_word":590,"sentiment":"neutral","sentiment_score":0.04114945605397224},{"text":"Thank you so much for holding on the line.","start_word":591,"end_word":599,"sentiment":"positive","sentiment_score":0.409870445728302},{"text":"That's okay. Yep. So regarding the waiting period, I'll need to put you through to one of our team member to provide you more informations on the insurance on this. No. That's And okay. More Yep. than happy to go there because I have a few other questions, so it might Okay. be best. Yep. Okay. Sure. Yep. Yep. So regarding insurance yep, I can put you through so they could assist you further on this.","start_word":600,"end_word":675,"sentiment":"neutral","sentiment_score":0.09786798834408585},{"text":"That'd be great. Thank you. Okay. All good. Thank you. I'll put you through now. Thanks. Thank you.","start_word":676,"end_word":693,"sentiment":"positive","sentiment_score":0.5313791036605835},{"text":"Welcome to AMP. You're speaking with Alex. Am I speaking with Larissa? Hello? Hi, Alex. Yes. Larissa here. How are you going? Not too bad, Larissa. How are you going today? Not bad. Thank you. Let's see here. So you just wanted to confirm the waiting period. Is that correct? There was a few other questions I had, but, yeah, Yeah. Yeah. that's No one worries. of them. Okay. I'm sorted for you. So the waiting period for this member is thirty days.","start_word":694,"end_word":776,"sentiment":"neutral","sentiment_score":0.08724890649318695},{"text":"Perfect. Amazing.","start_word":777,"end_word":778,"sentiment":"positive","sentiment_score":0.4852460026741028},{"text":"That answers Yep. one question, Mhmm. Yeah. and I've got a rundown on everything else, so that's fine. Mhmm. One of the there's there's a few things that I wanted to know with regards to this policy. So with respect to this policy, I wanted to know what the start date for Yeah. the policy was, who Mhmm. the owner is, how the payments are structured. Yeah. I'll I'll slow down. We can answer those three, and then we can jump into others. Yeah. No worries. So this account was started on the September 14 in 2017. Now when you Perfect. say the owner, do you mean just the account holder? No. Because, like, that's that's the life insured. Yep. So that would obviously Oh, I be mean the client, right. like, the Jake Okay. Della. So the actual owner Yep. of the insurance policy, Yep. So is it this one normally is the client? out. Mhmm. So that'd be our underwriter. I will go ahead and confirm the start date for the actual insurance policy itself because that Perfect. might not be the same as the it looks like it was the 06/30/2023, this one. 06/30/2023. Okay. Perfect. Mhmm. So it's owned by Tau. Is it what's the payment structure? Is it paid monthly? So it's monthly premiums, all of our so the monthly steps premiums. Alright.","start_word":779,"end_word":1006,"sentiment":"neutral","sentiment_score":0.0074755915710212366},{"text":"Perfect.","start_word":1007,"end_word":1007,"sentiment":"positive","sentiment_score":0.5095402002334595},{"text":"Was this policy underwritten, or is it a group underwritten policy? I'll go have a look at that one. 11. K. So this one I'll just have a look. It might be written somewhere else. Usually, where you can see that it's underwritten, it's not displayed there. I might have to check a different system. Is it right if I just place you on hold for a moment while I load up the other system? Absolutely.","start_word":1008,"end_word":1083,"sentiment":"neutral","sentiment_score":-0.0005672089173458517},{"text":"Thank you.","start_word":1084,"end_word":1085,"sentiment":"positive","sentiment_score":0.42123132944107056},{"text":"No worries. Won't be too long at all. Hi, Lisa.","start_word":1086,"end_word":1095,"sentiment":"neutral","sentiment_score":0.22032152116298676},{"text":"Thanks so much for holding.","start_word":1096,"end_word":1100,"sentiment":"positive","sentiment_score":0.5057182312011719},{"text":"So I've just had a look on a different system here. So I think the reason why it wasn't listed on the other is because it's just not listed anywhere. So I'm assuming this one is not underwritten. Okay. Now I'll just double check as well for any, like, exclusions or or or Boatings or anything? Yeah. Yep. Just if it does have that, then that might be better Indicator. indicate. Doesn't look like there's any. So, yeah, there's no no no underwriting on this one. Okay. Perfect. Is there a occupation disclosed? We don't have an occupation disclosed. We have an occupation category. Yeah. Got it. Yeah. I'll have a look at that one, whatever that is. Maybe here. Occupation category is okay. No. So it's not categorized. So it's just the default or it wasn't applied when he was when he added the income protection to his account. Okay. Cool. Are you able to clarify if you know or if you can find out? Was the underwriter for, like, the group policy is taken over by Tal in 2023? Is that why the insurance policy start date is 2023 rather than 2017 when the account opened? So it looks like he had insurance from when the account opened, Yep. but what has happened so I'll go look at I'll use his TPD as an example. Seven. Correct. So when I open it up, it says effective as at the 04/01/2024. Now that was the exact date that Tau took over essentially all of their insurances unless they were retained from previous I think it was Resolution Life before that. Yes. So this member may have had a Resolution Life policy in Yep. 2023, but when the insurance was taken over in April 2024, it was transferred into the towel. But it Cool. looks like he actually had insurances as early at the account start date. Because when I go into his insurance benefits so where is it here? '11. So he's got policies as early as as as 2017, but it looks like they were Cool. detached insurances as in they were insurances provided by an employer to an employee. Yep. And this one, I'll just check if it has any details. Usually, they don't, but it might be here. Let's see here. Doesn't really have much details. It does say he employee core y f s. I'm not too sure what that exactly means, but it looks like he did have a, like, a previous insurance that was provided by an employer. And the Okay. the description for the insurances from or the coverage from, it just says member join date. Yep. Okay. Cool. No. That's okay. Perfect. Alright. And then, obviously, client left employer, though all and all those policies were ceased, and it ends your going from Yep. town. Cool. So I'm assuming Alright. in 2023, that's when he was given the detached insurance, so detached from his employer. And then in 2024, that's when he was transitioned to a a child policy rather than a resolution life policy. Amazing. Okay. So and Tau the Tau effective start date was 01/04/2024. Yeah.","start_word":1101,"end_word":1627,"sentiment":"neutral","sentiment_score":0.0057494996921415575},{"text":"Cool. Alright. Perfect.","start_word":1628,"end_word":1630,"sentiment":"positive","sentiment_score":0.3885429799556732},{"text":"So this is a full group default, not underwritten policy. Correct. Cool. Alright. No. That answers everything that I had. That is K. No worries.","start_word":1631,"end_word":1655,"sentiment":"neutral","sentiment_score":0.21136106550693512},{"text":"perfect. Thank you so Alrighty. much for your Well help. That's okay. Take care. You have a lovely day. You too.","start_word":1656,"end_word":1676,"sentiment":"positive","sentiment_score":0.673195481300354},{"text":"Bye. Bye.","start_word":1677,"end_word":1678,"sentiment":"neutral","sentiment_score":0.2197483777999878}],"average":{"sentiment":"neutral","sentiment_score":0.05707366793763404}}}}