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Larissa from Murphy Financial. How are you going? Really good. Thank you.\n\nI had a quick question to ask. I have a, what is it, 31 year old onshore rigger under 10 meters. Life and TPD only. He has disclosed well, Christ, what's the word for it? Anabolic steroids.\n\nThat's the word for it. Last used 2022 in March, so four years, not over the five. Not quite over five years yet. Is it possible? Can we do it Yeah.\n\nAndrew. Up to. You can't do TPD at all for the occupation? Yep. One second.\n\nLet me find that. That is it. He was using sorry. I'm just going through the notes. It was less than three months that he used it for back then.\n\nNothing like that. He did get gynomestasis. Thank you. Alright. Gynecomastasis.\n\nYeah. You know the word? Because I don't. K. Okay.\n\nIs that under all three providers? Okay. Nope. That's okay. Good to know.\n\nThank you. Have a good one, darling. 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Please select from one of the following options. For Neos protection, press 1. For future protection, press 2. Please select from one of the following options. For customer service, press 1. To speak with our underwriting team, press 2. Please note that calls may be recorded for quality and training purposes. If you do not wish for this to occur, please let us know when we answer your call. For a copy of our privacy policy, please visit www.niosgroup.com/privacypolicy. Please hold, and one of our helpful consultants will answer your call as soon as possible. Riding. You're speaking with Jenny. Good. How are you? Mhmm. Mhmm. Okay. The he's onshore, did you say? And and up to 10 meters? Yep. Okay. So we can do life cover standard. TPD, we can't do. For the steroids, I think it's okay if it's over three years. Let me have a look. No. Not due to the occupation. Yeah. Last year is 2022. So we can do life oh, okay. We can't do TPD as well because of the drug use. We if it's within the last five years. So do you know how long he used it for? Okay. Okay. And no, like, LFT issues, cardiac issues, mental health, anything like that? Yep. Yep. Okay. That's yep. Yeah. That's quite common. If that's the only complication, that's okay. So we'd be looking at life only with a 100% loading, and that loading is reviewable once he's been free for five years of it. So 2027 for no TPD. That's for Neos and Encompass. I'll just check for Futura. Futura will be the same for the TPD for the occupation, but I'll just check the steroid use. They're usually more unfavorable for steroid use, but let me just have a look. Yeah. The same for Futura. Alright. You're very welcome. You too. Thanks. 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to Neos. Please select from one of the following options. For Neos protection, press 1. For future protection, press 2. Please select from one of the following options.\n\nFor customer service, press 1. To speak with our underwriting team, press 2. Please note that calls may be recorded for quality and training purposes. If you do not wish for this to occur, please let us know when we answer your call. For a copy of our privacy policy, please visit www.niosgroup.com/privacypolicy.\n\nPlease hold, and one of our helpful consultants will answer your call as soon as possible. Riding. You're speaking with Jenny. Good. How are you?\n\nMhmm. Mhmm. Okay. The he's onshore, did you say? And and up to 10 meters?\n\nYep. Okay. So we can do life cover standard. TPD, we can't do. For the steroids, I think it's okay if it's over three years.\n\nLet me have a look. No. Not due to the occupation. Yeah. Last year is 2022.\n\nSo we can do life oh, okay. We can't do TPD as well because of the drug use. We if it's within the last five years. So do you know how long he used it for? Okay.\n\nOkay. And no, like, LFT issues, cardiac issues, mental health, anything like that? Yep. Yep. Okay.\n\nThat's yep. Yeah. That's quite common. If that's the only complication, that's okay. So we'd be looking at life only with a 100% loading, and that loading is reviewable once he's been free for five years of it.\n\nSo 2027 for no TPD. That's for Neos and Encompass. I'll just check for Futura. Futura will be the same for the TPD for the occupation, but I'll just check the steroid use. They're usually more unfavorable for steroid use, but let me just have a look.\n\nYeah. The same for Futura. Alright. You're very welcome. You too.\n\nThanks. Bye bye.","paragraphs":[{"sentences":[{"text":"Welcome to Neos.","start":0.71999997,"end":1.86,"sentiment":"neutral","sentiment_score":0.15893205751975378},{"text":"Please select from one of the following options.","start":2.6399999,"end":4.74,"sentiment":"neutral","sentiment_score":0.04141177795827389},{"text":"For Neos protection, press 1.","start":5.3599997,"end":7.62,"sentiment":"neutral","sentiment_score":0.013534274697303773},{"text":"For future protection, press 2.","start":8.4,"end":10.98,"sentiment":"neutral","sentiment_score":0.009649562276899814},{"text":"Please select from one of the following options.","start":16.415,"end":18.515,"sentiment":"neutral","sentiment_score":0.008782210818026215}],"sentiment":"neutral","sentiment_score":0.034285078194506206,"num_words":29,"start":0.71999997,"end":18.515},{"sentences":[{"text":"For customer service, press 1.","start":19.295,"end":21.475,"sentiment":"neutral","sentiment_score":0.004900930169969797},{"text":"To speak with our 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you?","start":61.78,"end":62.52,"sentiment":"neutral","sentiment_score":0.2929876546065013}],"sentiment":"neutral","sentiment_score":0.023891174420714378,"num_words":25,"start":46.565002,"end":62.52},{"sentences":[{"text":"Mhmm.","start":74.174995,"end":74.674995,"sentiment":"neutral","sentiment_score":-0.012012654915452003},{"text":"Mhmm.","start":93.96,"end":94.365,"sentiment":"neutral","sentiment_score":-0.03275357931852341},{"text":"Okay.","start":104.365,"end":104.865,"sentiment":"neutral","sentiment_score":-0.023471340537071228},{"text":"The he's onshore, did you say?","start":112.74,"end":115.32,"sentiment":"neutral","sentiment_score":-0.022704888445635635},{"text":"And and up to 10 meters?","start":116.659996,"end":118.52,"sentiment":"neutral","sentiment_score":-0.004770394026612242}],"sentiment":"neutral","sentiment_score":-0.015539284640302261,"num_words":15,"start":74.174995,"end":118.52},{"sentences":[{"text":"Yep.","start":120.17999,"end":120.67999,"sentiment":"neutral","sentiment_score":0.012147771194577215},{"text":"Okay.","start":121.21999,"end":121.46,"sentiment":"neutral","sentiment_score":0.007792591117322445},{"text":"So we can do life cover standard.","start":121.46,"end":123.14,"sentiment":"neutral","sentiment_score":-0.023389259885464395},{"text":"TPD, we can't do.","start":123.14,"end":124.759995,"sentiment":"neutral","sentiment_score":-0.09304553084075451},{"text":"For the steroids, I think it's okay if it's over three 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okay.","start":201.58,"end":204.08,"sentiment":"neutral","sentiment_score":-0.00018449101064886366},{"text":"So we'd be looking at life only with a 100% loading, and that loading is reviewable once he's been free for five years of it.","start":204.46,"end":214.19499,"sentiment":"neutral","sentiment_score":0.07811294607818127}],"sentiment":"neutral","sentiment_score":0.04971611094170887,"num_words":38,"start":196.38,"end":214.19499},{"sentences":[{"text":"So 2027 for no TPD.","start":214.19499,"end":217.495,"sentiment":"neutral","sentiment_score":-0.002367549017071724},{"text":"That's for Neos and Encompass.","start":224.355,"end":227.75,"sentiment":"neutral","sentiment_score":-0.0011638090945780277},{"text":"I'll just check for Futura.","start":228.29001,"end":230.07,"sentiment":"neutral","sentiment_score":-0.0037421876564621924},{"text":"Futura will be the same for the TPD for the occupation, but I'll just check the steroid use.","start":230.61,"end":237.585,"sentiment":"neutral","sentiment_score":-0.020056052702582546},{"text":"They're usually more unfavorable for steroid use, but let me just have a look.","start":242.38501,"end":248.96501,"sentiment":"neutral","sentiment_score":-0.08780748769640923}],"sentiment":"neutral","sentiment_score":-0.0346102447922718,"num_words":47,"start":214.19499,"end":248.96501},{"sentences":[{"text":"Yeah.","start":276.05502,"end":276.55502,"sentiment":"neutral","sentiment_score":-0.00380657147616148},{"text":"The same for Futura.","start":276.61502,"end":278.475,"sentiment":"neutral","sentiment_score":-0.007391436258330941},{"text":"Alright.","start":283.59293,"end":284.09293,"sentiment":"neutral","sentiment_score":0.3104262351989746},{"text":"You're very welcome.","start":284.23294,"end":285.13293,"sentiment":"positive","sentiment_score":0.563944141070048},{"text":"You too.","start":287.35294,"end":287.91293,"sentiment":"neutral","sentiment_score":0.3140498697757721}],"sentiment":"neutral","sentiment_score":0.23608964376828886,"num_words":11,"start":276.05502,"end":287.91293},{"sentences":[{"text":"Thanks.","start":287.91293,"end":288.41293,"sentiment":"positive","sentiment_score":0.36599040031433105},{"text":"Bye bye.","start":289.03293,"end":289.69293,"sentiment":"neutral","sentiment_score":0.030588995665311813}],"sentiment":"neutral","sentiment_score":0.14238946388165155,"num_words":3,"start":287.91293,"end":289.69293}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Welcome to Neos. Please select from one of the following options. For Neos protection, press 1. For future protection, press 2. Please select from one of the following options.\n\nFor customer service, press 1. To speak with our underwriting team, press 2. Please note that calls may be recorded for quality and training purposes. If you do not wish for this to occur, please let us know when we answer your call. For a copy of our privacy policy, please visit www.niosgroup.com/privacypolicy.\n\nPlease hold, and one of our helpful consultants will answer your call as soon as possible. Riding. You're speaking with Jenny.\n\nChannel 0: Hi, Jenny. Larissa from Murphy Financial. How are you going?\n\nChannel 1: Good. How are you?\n\nChannel 0: Really good. Thank you. I had a quick question to ask. I have a, what is it, 31 year old onshore rigger under 10 meters.\n\nChannel 1: Mhmm.\n\nChannel 0: Life and TPD only. He has disclosed well, Christ, what's the word for it? Anabolic steroids. That's\n\nChannel 1: Mhmm.\n\nChannel 0: the word for it. Last used 2022 in March, so four years, not over the five.\n\nChannel 1: Okay.\n\nChannel 0: Not quite over five years yet. Is it possible? Can we do it\n\nChannel 1: The he's onshore, did you say?\n\nChannel 0: Yeah. Andrew.\n\nChannel 1: And and up to 10 meters?\n\nChannel 0: Up to.\n\nChannel 1: Yep. Okay. So we can do life cover standard. TPD, we can't do. For the steroids, I think it's okay if it's over three years.\n\nLet me have a look.\n\nChannel 0: You can't do TPD at all for\n\nChannel 1: No. Not\n\nChannel 0: the occupation?\n\nChannel 1: due to the occupation. Yeah. Last year is 2022. So we can do life oh, okay. We can't do TPD as well because of the drug use.\n\nChannel 0: Yep.\n\nChannel 1: We if it's within the last five years. So do you know how long he used it for?\n\nChannel 0: One second. Let me find that. That is it. He was using sorry. I'm just going through the notes.\n\nIt was less than three months that he used it for back then.\n\nChannel 1: Okay. Okay. And no, like, LFT issues, cardiac issues, mental health, anything like that?\n\nChannel 0: Nothing like that. He did get gynomestasis.\n\nChannel 1: Yep.\n\nChannel 0: Thank you. Alright.\n\nChannel 1: Yep.\n\nChannel 0: Gynecomastasis.\n\nChannel 1: Okay. That's\n\nChannel 0: Yeah. You know the word? Because I don't.\n\nChannel 1: yep. Yeah. That's quite common. If that's the only complication, that's okay. So we'd be looking at life only with a 100% loading, and that loading is reviewable once he's been free for five years of it.\n\nSo 2027\n\nChannel 0: K. Okay.\n\nChannel 1: for no TPD.\n\nChannel 0: Is that under all three providers?\n\nChannel 1: That's for Neos and Encompass. I'll just check for Futura. Futura will be the same for the TPD for the occupation, but I'll just check the steroid use. They're usually more unfavorable for steroid use, but let me just have a look. Yeah.\n\nThe same for Futura.\n\nChannel 0: Okay. Nope. That's okay. Good to know. Thank you.\n\nChannel 1: Alright. You're very welcome.\n\nChannel 0: Have a good one, darling.\n\nChannel 1: You too. Thanks.\n\nChannel 0: Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Welcome to Neos.","start":0.71999997,"end":1.86,"sentiment":"neutral","sentiment_score":0.15893205751975378},{"text":"Please select from one of the following options.","start":2.6399999,"end":4.74,"sentiment":"neutral","sentiment_score":0.04141177795827389},{"text":"For Neos protection, press 1.","start":5.3599997,"end":7.62,"sentiment":"neutral","sentiment_score":0.013534274697303773},{"text":"For future protection, press 2.","start":8.4,"end":10.98,"sentiment":"neutral","sentiment_score":0.009649562276899814},{"text":"Please select from one of the following options.","start":16.415,"end":18.515,"sentiment":"neutral","sentiment_score":0.008782210818026215}],"sentiment":"neutral","sentiment_score":0.034285078194506206,"channel":1,"num_words":29,"start":0.71999997,"end":18.515},{"sentences":[{"text":"For customer service, press 1.","start":19.295,"end":21.475,"sentiment":"neutral","sentiment_score":0.004900930169969797},{"text":"To speak with our underwriting team, press 2.","start":22.255001,"end":25.075,"sentiment":"neutral","sentiment_score":0.0008963011205196381},{"text":"Please note that calls may be recorded for quality and training purposes.","start":27.38,"end":30.919998,"sentiment":"neutral","sentiment_score":-0.07056374258051316},{"text":"If you do not wish for this to occur, please let us know when we answer your call.","start":31.539999,"end":35.8,"sentiment":"neutral","sentiment_score":-0.16062625125050545},{"text":"For a copy of our privacy policy, please visit www.niosgroup.com/privacypolicy.","start":36.82,"end":45.545002,"sentiment":"neutral","sentiment_score":-0.03738371301442385}],"sentiment":"neutral","sentiment_score":-0.07698489629821677,"channel":1,"num_words":53,"start":19.295,"end":45.545002},{"sentences":[{"text":"Please hold, and one of our helpful consultants will answer your call as soon as possible.","start":46.565002,"end":51.145,"sentiment":"neutral","sentiment_score":-0.046639840584248304},{"text":"Riding.","start":56.66,"end":57.06,"sentiment":"neutral","sentiment_score":0.007384813390672207},{"text":"You're speaking with Jenny.","start":57.06,"end":58.12,"sentiment":"neutral","sentiment_score":0.017425054451450706}],"sentiment":"neutral","sentiment_score":-0.03186440086435704,"channel":1,"num_words":21,"start":46.565002,"end":58.12},{"sentences":[{"text":"Hi, Jenny.","start":58.86,"end":59.34,"sentiment":"neutral","sentiment_score":0.17193979024887085},{"text":"Larissa from Murphy Financial.","start":59.34,"end":60.54,"sentiment":"neutral","sentiment_score":0.23088070005178452},{"text":"How are you going?","start":60.54,"end":61.305,"sentiment":"neutral","sentiment_score":0.23370275273919106}],"sentiment":"neutral","sentiment_score":0.2202213391661644,"channel":0,"num_words":10,"start":58.86,"end":61.305},{"sentences":[{"text":"Good.","start":61.46,"end":61.78,"sentiment":"positive","sentiment_score":0.3874688148498535},{"text":"How are you?","start":61.78,"end":62.52,"sentiment":"neutral","sentiment_score":0.2929876546065013}],"sentiment":"neutral","sentiment_score":0.3166079446673393,"channel":1,"num_words":4,"start":61.46,"end":62.52},{"sentences":[{"text":"Really good.","start":62.825,"end":63.465,"sentiment":"positive","sentiment_score":0.5709019601345062},{"text":"Thank you.","start":63.465,"end":64.205,"sentiment":"positive","sentiment_score":0.5091074109077454},{"text":"I had a quick question to ask.","start":64.825,"end":67.485,"sentiment":"neutral","sentiment_score":0.03155201992818287},{"text":"I have a, what is it, 31 year old onshore rigger under 10 meters.","start":67.545,"end":73.645004,"sentiment":"neutral","sentiment_score":0.0017640905321708747}],"sentiment":"neutral","sentiment_score":0.09622320596128703,"channel":0,"num_words":25,"start":62.825,"end":73.645004},{"sentences":[{"text":"Mhmm.","start":74.174995,"end":74.674995,"sentiment":"neutral","sentiment_score":-0.012012654915452003}],"sentiment":"neutral","sentiment_score":-0.012012654915452003,"channel":1,"num_words":1,"start":74.174995,"end":74.674995},{"sentences":[{"text":"Life and TPD only.","start":76.75,"end":78.13,"sentiment":"neutral","sentiment_score":-0.026806969195604324},{"text":"He has disclosed well, Christ, what's the word for it?","start":83.71,"end":92.024994,"sentiment":"neutral","sentiment_score":-0.026255779899656773},{"text":"Anabolic steroids.","start":92.024994,"end":93.085,"sentiment":"neutral","sentiment_score":-0.059937598183751106},{"text":"That's","start":93.945,"end":94.065,"sentiment":"neutral","sentiment_score":-0.032911356538534164}],"sentiment":"neutral","sentiment_score":-0.030739542863824788,"channel":0,"num_words":17,"start":76.75,"end":94.065},{"sentences":[{"text":"Mhmm.","start":93.96,"end":94.365,"sentiment":"neutral","sentiment_score":-0.03275357931852341}],"sentiment":"neutral","sentiment_score":-0.03275357931852341,"channel":1,"num_words":1,"start":93.96,"end":94.365},{"sentences":[{"text":"the word for it.","start":94.065,"end":95.085,"sentiment":"neutral","sentiment_score":-0.03614963684231043},{"text":"Last used 2022 in March, so four years, not over the five.","start":96.505,"end":103.659996,"sentiment":"neutral","sentiment_score":-0.05597520216057698}],"sentiment":"neutral","sentiment_score":-0.05101881083101034,"channel":0,"num_words":16,"start":94.065,"end":103.659996},{"sentences":[{"text":"Okay.","start":104.365,"end":104.865,"sentiment":"neutral","sentiment_score":-0.023471340537071228}],"sentiment":"neutral","sentiment_score":-0.023471340537071228,"channel":1,"num_words":1,"start":104.365,"end":104.865},{"sentences":[{"text":"Not quite over five years yet.","start":104.6,"end":106.38,"sentiment":"neutral","sentiment_score":-0.06310616371532281},{"text":"Is it possible?","start":108.52,"end":109.42,"sentiment":"neutral","sentiment_score":-0.037025495121876396},{"text":"Can we do it","start":109.64,"end":110.78,"sentiment":"neutral","sentiment_score":-0.01660617347806692}],"sentiment":"neutral","sentiment_score":-0.042779858582294904,"channel":0,"num_words":13,"start":104.6,"end":110.78},{"sentences":[{"text":"The he's onshore, did you say?","start":112.74,"end":115.32,"sentiment":"neutral","sentiment_score":-0.022704888445635635}],"sentiment":"neutral","sentiment_score":-0.022704888445635635,"channel":1,"num_words":6,"start":112.74,"end":115.32},{"sentences":[{"text":"Yeah.","start":115.605,"end":116.105,"sentiment":"neutral","sentiment_score":-0.00383472116664052},{"text":"Andrew.","start":116.165,"end":116.665,"sentiment":"neutral","sentiment_score":-0.006803086493164301}],"sentiment":"neutral","sentiment_score":-0.0053189038299024105,"channel":0,"num_words":2,"start":115.605,"end":116.665},{"sentences":[{"text":"And and up to 10 meters?","start":116.659996,"end":118.52,"sentiment":"neutral","sentiment_score":-0.004770394026612242}],"sentiment":"neutral","sentiment_score":-0.004770394026612242,"channel":1,"num_words":6,"start":116.659996,"end":118.52},{"sentences":[{"text":"Up to.","start":118.965,"end":119.785,"sentiment":"neutral","sentiment_score":-4.1513703763484955e-7}],"sentiment":"neutral","sentiment_score":-4.1513703763484955e-7,"channel":0,"num_words":2,"start":118.965,"end":119.785},{"sentences":[{"text":"Yep.","start":120.17999,"end":120.67999,"sentiment":"neutral","sentiment_score":0.012147771194577215},{"text":"Okay.","start":121.21999,"end":121.46,"sentiment":"neutral","sentiment_score":0.007792591117322445},{"text":"So we can do life cover standard.","start":121.46,"end":123.14,"sentiment":"neutral","sentiment_score":-0.023389259885464395},{"text":"TPD, we can't do.","start":123.14,"end":124.759995,"sentiment":"neutral","sentiment_score":-0.09304553084075451},{"text":"For the steroids, I think it's okay if it's over three years.","start":125.855,"end":129.555,"sentiment":"neutral","sentiment_score":-0.03785356103132168}],"sentiment":"neutral","sentiment_score":-0.038808372505009174,"channel":1,"num_words":25,"start":120.17999,"end":129.555},{"sentences":[{"text":"Let me have a look.","start":129.615,"end":130.675,"sentiment":"neutral","sentiment_score":-0.02635749354958534}],"sentiment":"neutral","sentiment_score":-0.02635749354958534,"channel":1,"num_words":5,"start":129.615,"end":130.675},{"sentences":[{"text":"You can't do TPD at all for","start":131.06,"end":133.64,"sentiment":"neutral","sentiment_score":-0.11663930863142014}],"sentiment":"neutral","sentiment_score":-0.11663930863142014,"channel":0,"num_words":7,"start":131.06,"end":133.64},{"sentences":[{"text":"No.","start":133.375,"end":133.855,"sentiment":"neutral","sentiment_score":-0.11849705874919891},{"text":"Not","start":133.855,"end":134.255,"sentiment":"neutral","sentiment_score":-0.12096037715673448}],"sentiment":"neutral","sentiment_score":-0.11972871795296669,"channel":1,"num_words":2,"start":133.375,"end":134.255},{"sentences":[{"text":"the occupation?","start":133.86,"end":134.6,"sentiment":"neutral","sentiment_score":-0.12382053956389427}],"sentiment":"neutral","sentiment_score":-0.12382053956389427,"channel":0,"num_words":2,"start":133.86,"end":134.6},{"sentences":[{"text":"due to the occupation.","start":134.255,"end":135.235,"sentiment":"neutral","sentiment_score":-0.1100133191794157},{"text":"Yeah.","start":135.695,"end":136.195,"sentiment":"neutral","sentiment_score":-0.03869873657822609},{"text":"Last year is 2022.","start":139.61,"end":140.89,"sentiment":"neutral","sentiment_score":-0.044585201889276505},{"text":"So we can do life oh, okay.","start":140.89,"end":142.57,"sentiment":"neutral","sentiment_score":0.04206580136503492},{"text":"We can't do TPD as well because of the drug use.","start":142.57,"end":145.47,"sentiment":"neutral","sentiment_score":-0.14996266906911676}],"sentiment":"neutral","sentiment_score":-0.07452672485400129,"channel":1,"num_words":27,"start":134.255,"end":145.47},{"sentences":[{"text":"Yep.","start":145.875,"end":146.375,"sentiment":"neutral","sentiment_score":0.0025732237845659256}],"sentiment":"neutral","sentiment_score":0.0025732237845659256,"channel":0,"num_words":1,"start":145.875,"end":146.375},{"sentences":[{"text":"We if it's within the last five years.","start":146.57,"end":148.33,"sentiment":"neutral","sentiment_score":-0.0022292255889624357},{"text":"So do you know how long he used it for?","start":148.33,"end":153.605,"sentiment":"neutral","sentiment_score":-0.004880648432299494}],"sentiment":"neutral","sentiment_score":-0.0037022382797052464,"channel":1,"num_words":18,"start":146.57,"end":153.605},{"sentences":[{"text":"One second.","start":159.345,"end":160.065,"sentiment":"neutral","sentiment_score":-0.010013290215283632},{"text":"Let me find that.","start":160.065,"end":162.24501,"sentiment":"neutral","sentiment_score":-0.007931161671876907},{"text":"That is it.","start":164.945,"end":166.24501,"sentiment":"neutral","sentiment_score":-0.010628885899980864},{"text":"He was using sorry.","start":170.38501,"end":174.40001,"sentiment":"neutral","sentiment_score":-0.04986587353050709},{"text":"I'm just going through the notes.","start":174.40001,"end":176.32,"sentiment":"neutral","sentiment_score":-0.05885698397954305}],"sentiment":"neutral","sentiment_score":-0.0334864885693318,"channel":0,"num_words":19,"start":159.345,"end":176.32},{"sentences":[{"text":"It was less than three months that he used it for back then.","start":176.32,"end":181.46,"sentiment":"neutral","sentiment_score":-0.035522802804525085}],"sentiment":"neutral","sentiment_score":-0.035522802804525085,"channel":0,"num_words":13,"start":176.32,"end":181.46},{"sentences":[{"text":"Okay.","start":181.44499,"end":181.94499,"sentiment":"neutral","sentiment_score":-0.008410785347223282},{"text":"Okay.","start":182.325,"end":182.825,"sentiment":"neutral","sentiment_score":-0.009588544256985188},{"text":"And no, like, LFT issues, cardiac issues, mental health, anything like that?","start":182.965,"end":188.58499,"sentiment":"neutral","sentiment_score":-0.0621671744932731}],"sentiment":"neutral","sentiment_score":-0.05457181596596326,"channel":1,"num_words":14,"start":181.44499,"end":188.58499},{"sentences":[{"text":"Nothing like that.","start":188.495,"end":189.375,"sentiment":"neutral","sentiment_score":-0.1768474131822586},{"text":"He did get gynomestasis.","start":189.375,"end":190.835,"sentiment":"neutral","sentiment_score":-0.10057121329009533}],"sentiment":"neutral","sentiment_score":-0.1332610132438796,"channel":0,"num_words":7,"start":188.495,"end":190.835},{"sentences":[{"text":"Yep.","start":193.285,"end":193.785,"sentiment":"neutral","sentiment_score":0.06729956716299057}],"sentiment":"neutral","sentiment_score":0.06729956716299057,"channel":1,"num_words":1,"start":193.285,"end":193.785},{"sentences":[{"text":"Thank you.","start":194.335,"end":195.155,"sentiment":"neutral","sentiment_score":0.22133927047252655},{"text":"Alright.","start":195.295,"end":195.695,"sentiment":"neutral","sentiment_score":0.0747612714767456}],"sentiment":"neutral","sentiment_score":0.1724799374739329,"channel":0,"num_words":3,"start":194.335,"end":195.695},{"sentences":[{"text":"Yep.","start":195.5,"end":195.90001,"sentiment":"neutral","sentiment_score":0.02776910737156868}],"sentiment":"neutral","sentiment_score":0.02776910737156868,"channel":1,"num_words":1,"start":195.5,"end":195.90001},{"sentences":[{"text":"Gynecomastasis.","start":195.695,"end":196.195,"sentiment":"neutral","sentiment_score":0.012299269437789915}],"sentiment":"neutral","sentiment_score":0.012299269437789915,"channel":0,"num_words":1,"start":195.695,"end":196.195},{"sentences":[{"text":"Okay.","start":195.90001,"end":196.38,"sentiment":"neutral","sentiment_score":0.014389323070645332},{"text":"That's","start":196.38,"end":196.88,"sentiment":"neutral","sentiment_score":0.0074369232170283794}],"sentiment":"neutral","sentiment_score":0.010913123143836856,"channel":1,"num_words":2,"start":195.90001,"end":196.88},{"sentences":[{"text":"Yeah.","start":197.295,"end":197.535,"sentiment":"neutral","sentiment_score":-0.00018852157518267632},{"text":"You know the word?","start":197.535,"end":198.495,"sentiment":"neutral","sentiment_score":-0.010813937289640307},{"text":"Because I don't.","start":198.495,"end":199.38,"sentiment":"neutral","sentiment_score":-0.04307341078917185}],"sentiment":"neutral","sentiment_score":-0.021583062887657434,"channel":0,"num_words":8,"start":197.295,"end":199.38},{"sentences":[{"text":"yep.","start":199.02,"end":199.42001,"sentiment":"neutral","sentiment_score":-0.015547183342278004},{"text":"Yeah.","start":199.42001,"end":199.92001,"sentiment":"neutral","sentiment_score":0.00519401952624321},{"text":"That's quite common.","start":200.62001,"end":201.58,"sentiment":"neutral","sentiment_score":-0.019801252832015354},{"text":"If that's the only complication, that's okay.","start":201.58,"end":204.08,"sentiment":"neutral","sentiment_score":-0.00018449101064886366},{"text":"So we'd be looking at life only with a 100% loading, and that loading is reviewable once he's been free for five years of it.","start":204.46,"end":214.19499,"sentiment":"neutral","sentiment_score":0.07811294607818127}],"sentiment":"neutral","sentiment_score":0.050858791691024564,"channel":1,"num_words":37,"start":199.02,"end":214.19499},{"sentences":[{"text":"So 2027","start":214.19499,"end":215.815,"sentiment":"neutral","sentiment_score":0.0070807901211082935}],"sentiment":"neutral","sentiment_score":0.0070807901211082935,"channel":1,"num_words":2,"start":214.19499,"end":215.815},{"sentences":[{"text":"K.","start":214.675,"end":215.175,"sentiment":"neutral","sentiment_score":0.003601767122745514},{"text":"Okay.","start":216.115,"end":216.615,"sentiment":"neutral","sentiment_score":0.0038432013243436818}],"sentiment":"neutral","sentiment_score":0.0037224842235445976,"channel":0,"num_words":2,"start":214.675,"end":216.615},{"sentences":[{"text":"for no TPD.","start":216.595,"end":217.495,"sentiment":"neutral","sentiment_score":-0.008666441775858402}],"sentiment":"neutral","sentiment_score":-0.008666441775858402,"channel":1,"num_words":3,"start":216.595,"end":217.495},{"sentences":[{"text":"Is that under all three providers?","start":219.395,"end":223.175,"sentiment":"neutral","sentiment_score":-0.009248255286365747}],"sentiment":"neutral","sentiment_score":-0.009248255286365747,"channel":0,"num_words":6,"start":219.395,"end":223.175},{"sentences":[{"text":"That's for Neos and Encompass.","start":224.355,"end":227.75,"sentiment":"neutral","sentiment_score":-0.0011638090945780277},{"text":"I'll just check for Futura.","start":228.29001,"end":230.07,"sentiment":"neutral","sentiment_score":-0.0037421876564621924},{"text":"Futura will be the same for the TPD for the occupation, but I'll just check the steroid use.","start":230.61,"end":237.585,"sentiment":"neutral","sentiment_score":-0.020056052702582546},{"text":"They're usually more unfavorable for steroid use, but let me just have a look.","start":242.38501,"end":248.96501,"sentiment":"neutral","sentiment_score":-0.08780748769640923},{"text":"Yeah.","start":276.05502,"end":276.55502,"sentiment":"neutral","sentiment_score":-0.00380657147616148}],"sentiment":"neutral","sentiment_score":-0.0376430309680832,"channel":1,"num_words":43,"start":224.355,"end":276.55502},{"sentences":[{"text":"The same for Futura.","start":276.61502,"end":278.475,"sentiment":"neutral","sentiment_score":-0.007391436258330941}],"sentiment":"neutral","sentiment_score":-0.007391436258330941,"channel":1,"num_words":4,"start":276.61502,"end":278.475},{"sentences":[{"text":"Okay.","start":279.18295,"end":279.68295,"sentiment":"neutral","sentiment_score":0.015637356787919998},{"text":"Nope.","start":279.74295,"end":280.14294,"sentiment":"neutral","sentiment_score":0.00638233870267868},{"text":"That's okay.","start":280.14294,"end":280.96295,"sentiment":"neutral","sentiment_score":0.09984659776091576},{"text":"Good to know.","start":281.02295,"end":281.92294,"sentiment":"positive","sentiment_score":0.34261523683865863},{"text":"Thank you.","start":281.98294,"end":282.72296,"sentiment":"positive","sentiment_score":0.376626655459404}],"sentiment":"neutral","sentiment_score":0.22253465693857935,"channel":0,"num_words":9,"start":279.18295,"end":282.72296},{"sentences":[{"text":"Alright.","start":283.59293,"end":284.09293,"sentiment":"neutral","sentiment_score":0.3104262351989746},{"text":"You're very welcome.","start":284.23294,"end":285.13293,"sentiment":"positive","sentiment_score":0.563944141070048}],"sentiment":"positive","sentiment_score":0.5005646646022797,"channel":1,"num_words":4,"start":283.59293,"end":285.13293},{"sentences":[{"text":"Have a good one, darling.","start":285.50296,"end":286.64294,"sentiment":"positive","sentiment_score":0.6313063263893127}],"sentiment":"positive","sentiment_score":0.6313063263893127,"channel":0,"num_words":5,"start":285.50296,"end":286.64294},{"sentences":[{"text":"You too.","start":287.35294,"end":287.91293,"sentiment":"neutral","sentiment_score":0.3140498697757721},{"text":"Thanks.","start":287.91293,"end":288.41293,"sentiment":"positive","sentiment_score":0.36599040031433105}],"sentiment":"neutral","sentiment_score":0.33136337995529175,"channel":1,"num_words":3,"start":287.35294,"end":288.41293},{"sentences":[{"text":"Bye.","start":288.38293,"end":288.88293,"sentiment":"neutral","sentiment_score":0.1136002317070961}],"sentiment":"neutral","sentiment_score":0.1136002317070961,"channel":0,"num_words":1,"start":288.38293,"end":288.88293},{"sentences":[{"text":"Bye bye.","start":289.03293,"end":289.69293,"sentiment":"neutral","sentiment_score":0.030588995665311813}],"sentiment":"neutral","sentiment_score":0.030588995665311813,"channel":1,"num_words":2,"start":289.03293,"end":289.69293}]},"summary":{"result":"success","short":"A representative from Murphy Financial calls a customer service agent to discuss a 31-year-old onshore rigger who has never been living for over five years. The agent confirms that life only coverage can be done with 100% loading and cannot be done with TPD due to drug use. The representative also checks on steroid use and confirms that it is not a problem."},"intents":{"segments":[{"text":"So do you know how long he used it for? One second.","start_word":284,"end_word":295,"intents":[{"intent":"Confirm usage","confidence_score":0.019113313},{"intent":"Confirm usage","confidence_score":0.13603093},{"intent":"Ask for diagnosis","confidence_score":0.00008031396}]},{"text":"So we'd be looking at life only with a 100% loading, and that loading is reviewable once he's been free for five years of it. So K.","start_word":375,"end_word":401,"intents":[{"intent":"Ask for loading","confidence_score":0.00025667305}]},{"text":"That's for Neos and Encompass. I'll just check for Futura. Futura will be the same for the TPD for the occupation, but I'll just check the steroid use. They're usually more unfavorable for steroid use, but let me just have a look. Yeah. The same for Futura. Okay. Nope. That's okay. Good to know. Thank you.","start_word":413,"end_word":468,"intents":[{"intent":"Provide assistance","confidence_score":0.00025237465}]},{"text":"That's okay. Good to know. Thank you.","start_word":462,"end_word":468,"intents":[{"intent":"Confirm understanding","confidence_score":0.14437877},{"intent":"Confirm understanding","confidence_score":0.16970873}]}]},"sentiments":{"segments":[{"text":"Welcome to Neos. Please select from one of the following options. For Neos protection, press 1. For future protection, press 2. Please select from one of the following options. For customer service, press 1. To speak with our underwriting team, press 2. Please note that calls may be recorded for quality and training purposes. If you do not wish for this to occur, please let us know when we answer your call. For a copy of our privacy policy, please visit www.niosgroup.com/privacypolicy. Please hold, and one of our helpful consultants will answer your call as soon as possible. Riding. You're speaking with Jenny. Hi, Jenny. Larissa from Murphy Financial. How are you going?","start_word":0,"end_word":112,"sentiment":"neutral","sentiment_score":-0.00866362638771534},{"text":"Good.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.3874688148498535},{"text":"How are you?","start_word":114,"end_word":116,"sentiment":"neutral","sentiment_score":0.29860153794288635},{"text":"Really good. Thank you.","start_word":117,"end_word":120,"sentiment":"positive","sentiment_score":0.5269572734832764},{"text":"I had a quick question to ask. I have a, what is it, 31 year old onshore rigger under 10 meters. Mhmm. Life and TPD only. He has disclosed well, Christ, what's the word for it? Anabolic steroids. That's Mhmm. the word for it. Last used 2022 in March, so four years, not over the five. Okay. Not quite over five years yet. Is it possible? Can we do it The he's onshore, did you say? Yeah. Andrew. And and up to 10 meters? Up to. Yep. Okay. So we can do life cover standard. TPD, we can't do. For the steroids, I think it's okay if it's over three years. Let me have a look. You can't do TPD at all for No. Not the occupation? due to the occupation. Yeah. Last year is 2022. So we can do life oh, okay. We can't do TPD as well because of the drug use. Yep. We if it's within the last five years. So do you know how long he used it for? One second. Let me find that. That is it. He was using sorry. I'm just going through the notes. It was less than three months that he used it for back then. Okay. Okay. And no, like, LFT issues, cardiac issues, mental health, anything like that? Nothing like that. He did get gynomestasis. Yep. Thank you. Alright. Yep. Gynecomastasis. Okay. That's Yeah. You know the word? Because I don't. yep. Yeah. That's quite common. If that's the only complication, that's okay. So we'd be looking at life only with a 100% loading, and that loading is reviewable once he's been free for five years of it. So K. 2027 Okay. for no TPD. Is that under all three providers? That's for Neos and Encompass. I'll just check for Futura. Futura will be the same for the TPD for the occupation, but I'll just check the steroid use. They're usually more unfavorable for steroid use, but let me just have a look. Yeah. The same for Futura. Okay. Nope. That's okay.","start_word":121,"end_word":463,"sentiment":"neutral","sentiment_score":-0.024039710793133728},{"text":"Good to know. Thank you.","start_word":464,"end_word":468,"sentiment":"positive","sentiment_score":0.35176995396614075},{"text":"Alright.","start_word":469,"end_word":469,"sentiment":"neutral","sentiment_score":0.3104262351989746},{"text":"You're very welcome. Have a good one, darling.","start_word":470,"end_word":477,"sentiment":"positive","sentiment_score":0.5948640704154968},{"text":"You too.","start_word":478,"end_word":479,"sentiment":"neutral","sentiment_score":0.3040415048599243},{"text":"Thanks.","start_word":480,"end_word":480,"sentiment":"positive","sentiment_score":0.36599040031433105},{"text":"Bye. Bye bye.","start_word":481,"end_word":483,"sentiment":"neutral","sentiment_score":0.14675019681453705}],"average":{"sentiment":"neutral","sentiment_score":0.007759894418842245}}}}