{"metadata":{"transaction_key":"deprecated","request_id":"019ddb8f-afbe-7e01-a8c3-889ff66fa8e1","sha256":"bca0de42d9f43ceafb2ff1a0c9ad041821512092a8722b53d3adb1f0f396f363","created":"2026-04-29T23:25:22.845Z","duration":1499.1119,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5128,"output_tokens":98},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5763,"output_tokens":5775},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5763,"output_tokens":429}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Ross. It's Dana from Oakley Financial. How are you this morning? I'm very well. Thank you. I had you booked in originally to go through your updated advice document. I do unfortunately not have it ready, but I still wanted to have the conversation with you because there's a few things I need to go through with regards to the research I've completed. Is now still gonna be a good time? Yep. Fantastic. Before I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security, I just need to confirm your full name, date of birth, and address I should have on file. Yep. Beautiful. Thank you so much there, Ross. Now I had completed all the research I needed to on looking at the advice for you. So last time we spoke, we talked about reducing your risk level a little bit with no contributions going in and trying to sort of protect your suit for a little bit there. I've had a really good look at the research in your current position and by reducing your risk. And because your insurance premiums are really high, it's honestly over the next five to ten years, every scenario is essentially coming out that it's gonna eat away your super. It's just showing a depletion. Even staying in the same current portfolio, the high growth environment, and keeping your insurance premiums the same, because the insurance premiums are quite high. So at the moment, your insurance premiums are about 5,900. So what's coming out of super is a bit over 5,000. It looks like that is eating away all the growth plus the fees you pay for the super over the next five to ten years. All the projections are coming out that you'll only end up with a bit over 40,000 in super. It's all just been eaten away. I do not want that by any means, so I wanted to sort of have a conversation with you because I know you're trying to claim on your TBD as well and would like to be able to claim on TBD. But I just wanted to sort of see if there's a way we can look at maybe making these premiums a bit cheaper for you as well because, you know, I wanna make sure you can claim on something and still get something when you're able to claim, but I'm just really worried that the premiums plus the fees and your super with no contributions going in, I'm really worried that you're not gonna end up with any super left over, and I wanna do everything I can to prevent that for you. Yeah. I'm so sorry. It's not the conversation that you were hoping for, and I do apologize. With the current level of cover you have, you have 687,000 of life and TBD there at the moment. If you were to just reduce that down to 500,000 even, we can reduce the insurance premium to 4,344. So it is saving you a bit more in premiums there. That's $4.03 $4.04 $6.03. So it's saving you about $1,600 for the first year in insurance premium. Or if you were okay to and this is pretty big and drastic change, but I wanted to give you the option. If you were to look at reducing your cover, your life and TPD to 250,000, it actually saves you a lot more, and it reduces your insurance premiums $2,514.54. So it saves you $3,400 for the year. The premium, $2,514. And that pays out 250,000 in the event of a life or TBD claim. Yeah. Well, it's with TBD, it pays out the TBD benefit. We attach the life. So if you claim on TBD within twelve months after the claim, your life component is reinstated for you. So you will be able to claim with a life cover eventually as well. But, yeah, it doesn't it doesn't pay out the life and TPD in one lump sum. You just get that $2.50. Or if you reduce the the sum insured to 500,000, then it just pays out that 500,000, essentially. But you can also claim your super on top of that to give you an additional benefit. But I just wanted to I didn't wanna sort of sugarcoat it in any way. I just wanted to be honest with you and let you know this is what I'm seeing, and this is quite concerning. As your adviser, I don't want to, you know, I don't want your super to go backwards, and I don't want you to lose everything that you've worked so hard for. So I just wanted to sort of find out what your thoughts were and what what your goals are and, you know, how things are going for you as well. Mhmm. Yeah. So 687,000. Yeah. And these premiums do get more and more expensive every year. So the biggest factor and why it's gonna deplete your super is that as you get older and closer to the with the risk of claiming, the way the insurance premiums are set is they do get more expensive. The ATO eats away more and more. With the projections, I've been able to do up. The growth is great. So in a high growth portfolio and even in the balanced growth portfolio, we've been able to obtain about 11% return with the projected outcome, but it's all been eaten away by your insurance premiums. It's and with no money going in. The only other thing I could consider would be looking if you're comfortable because you are 46. You know, realistically, you still got a bit of time ahead of you. If you're comfortable taking more risks, staying in that high growth environment, is there any way you could put some additional contributions in the if we were to look at, you know, $50 a week or a $100 a month or something to see if that could help your grow? Is there any way that that would work, or is your expenses just not allowed for that in any way, shape, or form? A $100 a month? Yep. Okay. Because I can run the projections for you with a $100 per month to see if that helps. Yeah. And are you comfortable I know we sort of talked about lowering the risk level. Are you comfortable if I was to keep you in that high growth portfolio longer? I know you're taking more risk as something I would, you know, if you're not really able to contribute or with the way your health is, would realistically prefer you not do. But if it's helping you so far and we're kind of catching up every couple of months to see how things are tracking, are you comfortable taking on a bit more risk in the market staying in that high growth environment? Yeah. If not, I will have a look at adding the contributions in and also reducing the risk to see what I can do as well. I'm just gonna run all these projections again to see what it looks like, how it looks. I've looked at every super fund, every portfolio, all these different options. We've run about 30 different projections for you at the moment. But I just don't like it depleting your super because you don't need that. You don't deserve that. You've worked really hard to this point. With your insurances, did you really wanna keep them at the same level, or are you comfortable maybe just reducing them back a little bit to make them cheaper? What's your thoughts, Russ? No. Correct. So if we'd look to reduce it back, it does reduce the amount you're able to claim back to, you know, 5 I would honestly just be looking to try and reduce it back to 500,000 to start with. It's a lesser of a reduction. But every year so with your insurance premiums, you do have indexation, which means that each year that you go through renewal, and your renewal your renewal date here is where is it? Renewal date. Policy started. Oh, it doesn't tell me on this one. But each year, it does go through renewal periods, and it indexes. So your sum insured will increase back each year. It will take time to get to the same level, But with you paying about 5,000 now for the premiums, they're only gonna keep getting more and more expensive each year. So it's just a matter of whether you decrease it back just a little bit now to save some money now or whether we keep it at the same level and try to pump a bit more money into super and take a bit more risk to try and alleviate what's happening with the premium. Yeah. Sorry. Not at all. What I've Yep. It is. It is. Yeah. Did you want me just to try and run the projections keeping the insurances the same and keeping you in that high growth environment? I'll look at the the the best kind of way to structure the portfolio. So we're we're in high growth. We're getting good returns, but we're, you know, limiting the the risk as much as possible. We contribute a $100 on a monthly basis in the super to try and help because that $100 on a monthly basis, that's $1,200 per year. That will, you know, alleviate some of the stress and sort of see what that looks like over the next couple of years. Did you want me just to run that to start with? Yep. Okay. Beautiful. I'll do that. What I can do is once I've got that projection, I can email it through to you to have a bit of a look if you like, and then we can always touch base. I just wanna try and make sure that your soup is working the best it can for you. It's just that everything I've run so far just looks like it was eating your sleep away, and that was not putting you in any good positions down the track at all. So yeah. I did also have a quick look at all the doctor's reports and things like that. So I can see where the claim did sort of fall down. I can see with the ADL assessment, you do have a lot of trouble standing and sitting for long periods of time, don't you? Yeah. And even walking. Like, the report, he noted that it was you were only able to tolerate about fifteen minutes of walking prior to having to rotate your position and alter and sit down, essentially. So it looks like you do are in quite a lot of pain still. Yeah. Yeah. So with the ADL definition for TBD, I noted here with the the way the report had come back, it noted that with they had the tasks, and they note dressing, grooming, eating, and preparing meals, and showering as the main ones. And then they noted here that you still had you were still independent in acting in all those areas. So it did state that with regard to showering, you did have some difficulty and some pain in your lower back, but you were still able to complete showering, eating primarily independently, grooming tasks, reported no concerns, and alright. Okay. Yeah. Yeah. And dressing, it did say here that you were able to dress independently. However, it was reported to be sitting down to attend lower body to minimize the degree of bending required. So that's okay. Yeah. Yep. Yep. Absolutely. And then the report goes into a bit more detail around the other activities of daily living, so dusting, vacuuming, sweeping floors, cleaning kitchens cleaning the kitchen and the cupboards, cleaning the bathroom, mowing lawns, cleaning kitchen counters, washing dishes, cleaning ovens, and emptying bins. And it noted here that tasks were shared and completed with your wife, and some were completed by your son. You had impaired ability as well on some of these. Yeah. So he okay. Oh, because the report here says mister Higgins advised task was completed by son. Yeah. And that was for cleaning the kitchen counters and washing the dishes. Okay. Perfect. Perfect. Yep. Okay. Yeah. So there's there's a lot to this report. I can just sorta I do see where it kind of did come back to. But when we are looking to claim on TBD, what we essentially need to be able to do, we need to not be able to complete generally two to three of those five different tasks. So when you look at, you know, dressing, showering, grooming, preparing meals, cleaning the house, driving, things like that, those daily activities, they need you to not be able to complete essentially two to three of those five, which is a a harder definition to to meet, admittedly. But with where you're at and with what the report shows, there is a real chance that down the track, you'll be able to claim on this. It just comes into a matter of when, and I would probably as you're going back to the doctor and having a specialist, if you can have a chat to them and kinda just say this is where I'm at, they'll be able to help determine when this claim can be resubmitted for you. Okay? Mhmm. Mhmm. Yeah. It is. Yeah. So this report was done up by the rehab management people. So they're looking to show that you need someone to put your socks on, help you put your shirt and pants on, that you're, you know, struggling to to sit down and eat your food, that someone might be, you know, either feeding you. You might require help showering. Someone might have to be there to support you showering, things like that. They're actually looking for the point where you're unable to do all these sorts of actions on your own, and you require assistance to do those. And that's when the ADL definition becomes a lot more prevalent, if that makes sense. Yeah. It's it's it's a really hard definition to claim on. I'm really sorry about that. But I wanna make sure that, you know, down the track, when you're able to, when the claim is here, that you're able to claim on because, yeah, you have paid these premiums, and they're not cheap in any way, shape, or form. So I think you deserve to claim on the cover when so. But I also just I'm worried that it's you know, the premiums as they get more correct. Yeah. I don't want you to end up with no super as well because then all your hard work, you know, you've gone down the drain there as well. So I don't want that for you. Not really. We would only be able to apply for any occupation TBD. And because you're currently not working on a workers' compensation claim, they will they won't allow you to apply for new cover. They'll want that claim to be completed. When applying for insurance, the insurers are looking at the risk of you making a claim. And because of where you're at, the risk of you making a claim is a lot higher. So they'll look at, you know, the workers' compensation claim and go, well, hey. If we put this policy in place now, you know, in a few months' time, you may be able to claim on that. That's the risk to the insurer that they are not not normally willing to take. So keeping the cover that you have at the moment is the best way forward currently, but, admittedly, the definitions aren't great. It is extremely expensive, and it's just sort of up to you what you want us to whether you keep the cover at the same amount or whether we just reduce it back a little bit, still keeping the cover in play. It's just that we're reducing the sum insured slightly to kind of reduce the cost on your super a little bit. Yeah. Sorry. Some difficult you can. However, you do have to apply to increase it. And because you've got this injury now, they will exclude on any increase. They correct. They'll exclude any preexisting injuries on an increase on the application. Decreasing is easy because there's no application to do so. It's just telling them to decrease the sum insured, and they'll decrease the premium. If you've gone through renewal, they refund you the difference back. However, to then increase it back, you have to go back to an application, and that is the risk we take when we decrease insurances. So it's not something I can decide for you. It's gotta be something that you're comfortable with. The alternative is we keep the cover the same. I'm happy to look at the $100 on a monthly basis, and we just try to contribute as much as we possibly can to super to kind of keep the money going in to build it up to cover the cost of the premium, but it's also down to your expenditure. Yeah. Yeah. Yep. Yep. And you're happy to just keep the insurances as they are for the moment, and I'll do the projections? Yep. Okay. Not a problem at all. I'm so sorry the conversation wasn't great, but I wanted to make sure I was honest with you. I don't want to give you a plan that says, hey. In ten years' time, I didn't expect you to have $40,000. That's not a great plan. That's not putting you in a good position in any way, shape, or form. So, yeah, Yep. Okay. Okay. Beautiful. For twelve months. So what I might even do sorry. With the with the advice document, I might just limit the projections to say one to two to five years just to sort of see where we are in the shorter term because then we know we can always update the advice. We can always look at things again in a few months' time when you've met that twelve months. Does that sound okay for you? Yep. Beautiful. And has the so you've got that twelve months coming up for the lawyers. Has workers' compensation sort of put out anything with regard to doing a bit of a payout? Have they sort of had that had a talk about where they're going with that at the moment, or is that all gonna happen when you to twelve months? Okay. Yes. Yep. It really is. It really is. And you've got so much going on, and all you wanna do is, you know, work and live and survive. Yeah. Yeah. I'm so sorry you're going through all this, Ross. It's a lot. Yeah. Yeah. Well, I promise I will look after you here, and I'll look after you, And I'll have every tough conversation, and I'll do every projection I possibly can to see how I can put you in a better position and keep things working for you. Okay? That's okay. Again, I'm so sorry it wasn't the best conversation, but I I I I'm an honest person. I feel it's better to be honest and talk things through with you than to just say, here's a projection. Your sleep is gonna deplete. It's what it is. I'd rather find a way to fight for you. And as, you know, as an adviser, we have a fiduciary duty to look after our clients and work in your best interest and put that above everything else. So it's important that I do have these conversations with you. But if it's okay, I've rebooked you in for next Thursday if it's at all possible just to maybe, hopefully, have this advice document completed and re have that ready to present. Would 10:30 next Thursday be okay for you? Okay. Okay. That's fine. What's oh, will you enjoy that? That's you deserve it. What about the following week? I've got plenty of time the following week. When would sort of suit you to run through that one? Next Thursday or any day? The following Thursday? Yep. Perfect. That's the May 14, and I'll pop it in there for 11AM there for you that day. Okay? Beautiful. Thank you so much for that. I'll let you go. I'll go back to looking at everything and doing those projections. I will probably just send you an email today with an updated projection to sort of show you where this might be tracking. And if it's still depleting your super, we can always come back and look at what else we can do. Okay? Okay. All good, Russell. I'll leave you to your day. Hopefully, you have a good relaxing day, and I'll get stuck into this research for you. My pleasure. If there's anything else you need at any point, please let me know. I'll also, in the email, just add down the requirements for claiming on TBD. That way when you're at the doctors, you can say this is what I need to be able to claim, and this is where I'm at currently. And then they can sort of help to guide you when that might be appropriate for you. Okay? Yeah. Alright. Thanks for your time, Ross. I really appreciate it. I hope you have a good relaxing day. Thank you. I'll talk to you soon. Thanks. 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Ross. It's Dana from Oakley Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in originally to go through your updated advice document. I do unfortunately not have it ready, but I still wanted to have the conversation with you because there's a few things I need to go through with regards to the research I've completed. Is now still gonna be a good time? Yep. Fantastic.\n\nBefore I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security, I just need to confirm your full name, date of birth, and address I should have on file. Yep.\n\nBeautiful. Thank you so much there, Ross. Now I had completed all the research I needed to on looking at the advice for you. So last time we spoke, we talked about reducing your risk level a little bit with no contributions going in and trying to sort of protect your suit for a little bit there. I've had a really good look at the research in your current position and by reducing your risk.\n\nAnd because your insurance premiums are really high, it's honestly over the next five to ten years, every scenario is essentially coming out that it's gonna eat away your super. It's just showing a depletion. Even staying in the same current portfolio, the high growth environment, and keeping your insurance premiums the same, because the insurance premiums are quite high. So at the moment, your insurance premiums are about 5,900. So what's coming out of super is a bit over 5,000.\n\nIt looks like that is eating away all the growth plus the fees you pay for the super over the next five to ten years. All the projections are coming out that you'll only end up with a bit over 40,000 in super. It's all just been eaten away. I do not want that by any means, so I wanted to sort of have a conversation with you because I know you're trying to claim on your TBD as well and would like to be able to claim on TBD. But I just wanted to sort of see if there's a way we can look at maybe making these premiums a bit cheaper for you as well because, you know, I wanna make sure you can claim on something and still get something when you're able to claim, but I'm just really worried that the premiums plus the fees and your super with no contributions going in, I'm really worried that you're not gonna end up with any super left over, and I wanna do everything I can to prevent that for you.\n\nYeah. I'm so sorry. It's not the conversation that you were hoping for, and I do apologize. With the current level of cover you have, you have 687,000 of life and TBD there at the moment. If you were to just reduce that down to 500,000 even, we can reduce the insurance premium to 4,344.\n\nSo it is saving you a bit more in premiums there. That's $4.03 $4.04 $6.03. So it's saving you about $1,600 for the first year in insurance premium. Or if you were okay to and this is pretty big and drastic change, but I wanted to give you the option. If you were to look at reducing your cover, your life and TPD to 250,000, it actually saves you a lot more, and it reduces your insurance premiums $2,514.54.\n\nSo it saves you $3,400 for the year. The premium, $2,514. And that pays out 250,000 in the event of a life or TBD claim. Yeah. Well, it's with TBD, it pays out the TBD benefit.\n\nWe attach the life. So if you claim on TBD within twelve months after the claim, your life component is reinstated for you. So you will be able to claim with a life cover eventually as well. But, yeah, it doesn't it doesn't pay out the life and TPD in one lump sum. You just get that $2.50.\n\nOr if you reduce the the sum insured to 500,000, then it just pays out that 500,000, essentially. But you can also claim your super on top of that to give you an additional benefit. But I just wanted to I didn't wanna sort of sugarcoat it in any way. I just wanted to be honest with you and let you know this is what I'm seeing, and this is quite concerning. As your adviser, I don't want to, you know, I don't want your super to go backwards, and I don't want you to lose everything that you've worked so hard for.\n\nSo I just wanted to sort of find out what your thoughts were and what what your goals are and, you know, how things are going for you as well. Mhmm. Yeah. So 687,000. Yeah.\n\nAnd these premiums do get more and more expensive every year. So the biggest factor and why it's gonna deplete your super is that as you get older and closer to the with the risk of claiming, the way the insurance premiums are set is they do get more expensive. The ATO eats away more and more. With the projections, I've been able to do up. The growth is great.\n\nSo in a high growth portfolio and even in the balanced growth portfolio, we've been able to obtain about 11% return with the projected outcome, but it's all been eaten away by your insurance premiums. It's and with no money going in. The only other thing I could consider would be looking if you're comfortable because you are 46. You know, realistically, you still got a bit of time ahead of you. If you're comfortable taking more risks, staying in that high growth environment, is there any way you could put some additional contributions in the if we were to look at, you know, $50 a week or a $100 a month or something to see if that could help your grow?\n\nIs there any way that that would work, or is your expenses just not allowed for that in any way, shape, or form? A $100 a month? Yep. Okay. Because I can run the projections for you with a $100 per month to see if that helps.\n\nYeah. And are you comfortable I know we sort of talked about lowering the risk level. Are you comfortable if I was to keep you in that high growth portfolio longer? I know you're taking more risk as something I would, you know, if you're not really able to contribute or with the way your health is, would realistically prefer you not do. But if it's helping you so far and we're kind of catching up every couple of months to see how things are tracking, are you comfortable taking on a bit more risk in the market staying in that high growth environment?\n\nYeah. If not, I will have a look at adding the contributions in and also reducing the risk to see what I can do as well. I'm just gonna run all these projections again to see what it looks like, how it looks. I've looked at every super fund, every portfolio, all these different options. We've run about 30 different projections for you at the moment.\n\nBut I just don't like it depleting your super because you don't need that. You don't deserve that. You've worked really hard to this point. With your insurances, did you really wanna keep them at the same level, or are you comfortable maybe just reducing them back a little bit to make them cheaper? What's your thoughts, Russ?\n\nNo. Correct. So if we'd look to reduce it back, it does reduce the amount you're able to claim back to, you know, 5 I would honestly just be looking to try and reduce it back to 500,000 to start with. It's a lesser of a reduction. But every year so with your insurance premiums, you do have indexation, which means that each year that you go through renewal, and your renewal your renewal date here is where is it?\n\nRenewal date. Policy started. Oh, it doesn't tell me on this one. But each year, it does go through renewal periods, and it indexes. So your sum insured will increase back each year.\n\nIt will take time to get to the same level, But with you paying about 5,000 now for the premiums, they're only gonna keep getting more and more expensive each year. So it's just a matter of whether you decrease it back just a little bit now to save some money now or whether we keep it at the same level and try to pump a bit more money into super and take a bit more risk to try and alleviate what's happening with the premium. Yeah. Sorry. Not at all.\n\nWhat I've Yep. It is. It is. Yeah. Did you want me just to try and run the projections keeping the insurances the same and keeping you in that high growth environment?\n\nI'll look at the the the best kind of way to structure the portfolio. So we're we're in high growth. We're getting good returns, but we're, you know, limiting the the risk as much as possible. We contribute a $100 on a monthly basis in the super to try and help because that $100 on a monthly basis, that's $1,200 per year. That will, you know, alleviate some of the stress and sort of see what that looks like over the next couple of years.\n\nDid you want me just to run that to start with? Yep. Okay. Beautiful. I'll do that.\n\nWhat I can do is once I've got that projection, I can email it through to you to have a bit of a look if you like, and then we can always touch base. I just wanna try and make sure that your soup is working the best it can for you. It's just that everything I've run so far just looks like it was eating your sleep away, and that was not putting you in any good positions down the track at all. So yeah. I did also have a quick look at all the doctor's reports and things like that.\n\nSo I can see where the claim did sort of fall down. I can see with the ADL assessment, you do have a lot of trouble standing and sitting for long periods of time, don't you? Yeah. And even walking. Like, the report, he noted that it was you were only able to tolerate about fifteen minutes of walking prior to having to rotate your position and alter and sit down, essentially.\n\nSo it looks like you do are in quite a lot of pain still. Yeah. Yeah. So with the ADL definition for TBD, I noted here with the the way the report had come back, it noted that with they had the tasks, and they note dressing, grooming, eating, and preparing meals, and showering as the main ones. And then they noted here that you still had you were still independent in acting in all those areas.\n\nSo it did state that with regard to showering, you did have some difficulty and some pain in your lower back, but you were still able to complete showering, eating primarily independently, grooming tasks, reported no concerns, and alright. Okay. Yeah. Yeah. And dressing, it did say here that you were able to dress independently.\n\nHowever, it was reported to be sitting down to attend lower body to minimize the degree of bending required. So that's okay. Yeah. Yep. Yep.\n\nAbsolutely. And then the report goes into a bit more detail around the other activities of daily living, so dusting, vacuuming, sweeping floors, cleaning kitchens cleaning the kitchen and the cupboards, cleaning the bathroom, mowing lawns, cleaning kitchen counters, washing dishes, cleaning ovens, and emptying bins. And it noted here that tasks were shared and completed with your wife, and some were completed by your son. You had impaired ability as well on some of these. Yeah.\n\nSo he okay. Oh, because the report here says mister Higgins advised task was completed by son. Yeah. And that was for cleaning the kitchen counters and washing the dishes. Okay.\n\nPerfect. Perfect. Yep. Okay. Yeah.\n\nSo there's there's a lot to this report. I can just sorta I do see where it kind of did come back to. But when we are looking to claim on TBD, what we essentially need to be able to do, we need to not be able to complete generally two to three of those five different tasks. So when you look at, you know, dressing, showering, grooming, preparing meals, cleaning the house, driving, things like that, those daily activities, they need you to not be able to complete essentially two to three of those five, which is a a harder definition to to meet, admittedly. But with where you're at and with what the report shows, there is a real chance that down the track, you'll be able to claim on this.\n\nIt just comes into a matter of when, and I would probably as you're going back to the doctor and having a specialist, if you can have a chat to them and kinda just say this is where I'm at, they'll be able to help determine when this claim can be resubmitted for you. Okay? Mhmm. Mhmm. Yeah.\n\nIt is. Yeah. So this report was done up by the rehab management people. So they're looking to show that you need someone to put your socks on, help you put your shirt and pants on, that you're, you know, struggling to to sit down and eat your food, that someone might be, you know, either feeding you. You might require help showering.\n\nSomeone might have to be there to support you showering, things like that. They're actually looking for the point where you're unable to do all these sorts of actions on your own, and you require assistance to do those. And that's when the ADL definition becomes a lot more prevalent, if that makes sense. Yeah. It's it's it's a really hard definition to claim on.\n\nI'm really sorry about that. But I wanna make sure that, you know, down the track, when you're able to, when the claim is here, that you're able to claim on because, yeah, you have paid these premiums, and they're not cheap in any way, shape, or form. So I think you deserve to claim on the cover when so. But I also just I'm worried that it's you know, the premiums as they get more correct. Yeah.\n\nI don't want you to end up with no super as well because then all your hard work, you know, you've gone down the drain there as well. So I don't want that for you. Not really. We would only be able to apply for any occupation TBD. And because you're currently not working on a workers' compensation claim, they will they won't allow you to apply for new cover.\n\nThey'll want that claim to be completed. When applying for insurance, the insurers are looking at the risk of you making a claim. And because of where you're at, the risk of you making a claim is a lot higher. So they'll look at, you know, the workers' compensation claim and go, well, hey. If we put this policy in place now, you know, in a few months' time, you may be able to claim on that.\n\nThat's the risk to the insurer that they are not not normally willing to take. So keeping the cover that you have at the moment is the best way forward currently, but, admittedly, the definitions aren't great. It is extremely expensive, and it's just sort of up to you what you want us to whether you keep the cover at the same amount or whether we just reduce it back a little bit, still keeping the cover in play. It's just that we're reducing the sum insured slightly to kind of reduce the cost on your super a little bit. Yeah.\n\nSorry. Some difficult you can. However, you do have to apply to increase it. And because you've got this injury now, they will exclude on any increase. They correct.\n\nThey'll exclude any preexisting injuries on an increase on the application. Decreasing is easy because there's no application to do so. It's just telling them to decrease the sum insured, and they'll decrease the premium. If you've gone through renewal, they refund you the difference back. However, to then increase it back, you have to go back to an application, and that is the risk we take when we decrease insurances.\n\nSo it's not something I can decide for you. It's gotta be something that you're comfortable with. The alternative is we keep the cover the same. I'm happy to look at the $100 on a monthly basis, and we just try to contribute as much as we possibly can to super to kind of keep the money going in to build it up to cover the cost of the premium, but it's also down to your expenditure. Yeah.\n\nYeah. Yep. Yep. And you're happy to just keep the insurances as they are for the moment, and I'll do the projections? Yep.\n\nOkay. Not a problem at all. I'm so sorry the conversation wasn't great, but I wanted to make sure I was honest with you. I don't want to give you a plan that says, hey. In ten years' time, I didn't expect you to have $40,000.\n\nThat's not a great plan. That's not putting you in a good position in any way, shape, or form. So, yeah, Yep. Okay. Okay.\n\nBeautiful. For twelve months. So what I might even do sorry. With the with the advice document, I might just limit the projections to say one to two to five years just to sort of see where we are in the shorter term because then we know we can always update the advice. We can always look at things again in a few months' time when you've met that twelve months.\n\nDoes that sound okay for you? Yep. Beautiful. And has the so you've got that twelve months coming up for the lawyers. Has workers' compensation sort of put out anything with regard to doing a bit of a payout?\n\nHave they sort of had that had a talk about where they're going with that at the moment, or is that all gonna happen when you to twelve months? Okay. Yes. Yep. It really is.\n\nIt really is. And you've got so much going on, and all you wanna do is, you know, work and live and survive. Yeah. Yeah. I'm so sorry you're going through all this, Ross.\n\nIt's a lot. Yeah. Yeah. Well, I promise I will look after you here, and I'll look after you, And I'll have every tough conversation, and I'll do every projection I possibly can to see how I can put you in a better position and keep things working for you. Okay?\n\nThat's okay. Again, I'm so sorry it wasn't the best conversation, but I I I I'm an honest person. I feel it's better to be honest and talk things through with you than to just say, here's a projection. Your sleep is gonna deplete. It's what it is.\n\nI'd rather find a way to fight for you. And as, you know, as an adviser, we have a fiduciary duty to look after our clients and work in your best interest and put that above everything else. So it's important that I do have these conversations with you. But if it's okay, I've rebooked you in for next Thursday if it's at all possible just to maybe, hopefully, have this advice document completed and re have that ready to present. Would 10:30 next Thursday be okay for you?\n\nOkay. Okay. That's fine. What's oh, will you enjoy that? That's you deserve it.\n\nWhat about the following week? I've got plenty of time the following week. When would sort of suit you to run through that one? Next Thursday or any day? The following Thursday?\n\nYep. Perfect. That's the May 14, and I'll pop it in there for 11AM there for you that day. Okay? Beautiful.\n\nThank you so much for that. I'll let you go. I'll go back to looking at everything and doing those projections. I will probably just send you an email today with an updated projection to sort of show you where this might be tracking. And if it's still depleting your super, we can always come back and look at what else we can do.\n\nOkay? Okay. All good, Russell. I'll leave you to your day. Hopefully, you have a good relaxing day, and I'll get stuck into this research for you.\n\nMy pleasure. If there's anything else you need at any point, please let me know. I'll also, in the email, just add down the requirements for claiming on TBD. That way when you're at the doctors, you can say this is what I need to be able to claim, and this is where I'm at currently. And then they can sort of help to guide you when that might be appropriate for you.\n\nOkay? Yeah. Alright. Thanks for your time, Ross. I really appreciate it.\n\nI hope you have a good relaxing day. Thank you. I'll talk to you soon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ross.","start":2.32,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.09501664713025093},{"text":"It's Dana from Oakley Financial.","start":2.8799999,"end":4.48,"sentiment":"neutral","sentiment_score":0.13380597680807113},{"text":"How are you this morning?","start":4.48,"end":5.62,"sentiment":"neutral","sentiment_score":0.20556694865226746},{"text":"I'm very well.","start":7.7599998,"end":8.72,"sentiment":"positive","sentiment_score":0.4951444963614146},{"text":"Thank you.","start":8.72,"end":9.28,"sentiment":"positive","sentiment_score":0.6297632157802582}],"sentiment":"neutral","sentiment_score":0.27246222601217385,"num_words":17,"start":2.32,"end":9.28},{"sentences":[{"text":"I had you booked in originally to go through your updated advice document.","start":9.28,"end":12.74,"sentiment":"neutral","sentiment_score":0.15451431618287012},{"text":"I do unfortunately not have it ready, but I still wanted to have the conversation with you because there's a few things I need to go through with regards to the research I've completed.","start":13.495,"end":21.994999,"sentiment":"neutral","sentiment_score":0.01465989276766777},{"text":"Is now still gonna be a good time?","start":22.135,"end":23.994999,"sentiment":"neutral","sentiment_score":0.15313521958887577},{"text":"Yep.","start":25.8,"end":26.039999,"sentiment":"neutral","sentiment_score":0.2106623351573944},{"text":"Fantastic.","start":26.039999,"end":26.539999,"sentiment":"positive","sentiment_score":0.5316030979156494}],"sentiment":"neutral","sentiment_score":0.07849946761863273,"num_words":57,"start":9.28,"end":26.539999},{"sentences":[{"text":"Before I jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":27.0,"end":31.8,"sentiment":"neutral","sentiment_score":0.1162940850076468},{"text":"Are you happy for me to proceed with that?","start":31.8,"end":33.98,"sentiment":"neutral","sentiment_score":0.14205532686577904},{"text":"Lovely.","start":35.72,"end":36.199997,"sentiment":"positive","sentiment_score":0.3571726679801941},{"text":"And just to do security, I just need to confirm your full name, date of birth, and address I should have on file.","start":36.199997,"end":41.34,"sentiment":"neutral","sentiment_score":0.08986581554231436},{"text":"Yep.","start":43.685,"end":44.185,"sentiment":"neutral","sentiment_score":0.024797139689326286}],"sentiment":"neutral","sentiment_score":0.11231834144053753,"num_words":57,"start":27.0,"end":44.185},{"sentences":[{"text":"Beautiful.","start":46.245,"end":46.745,"sentiment":"positive","sentiment_score":0.45094960927963257},{"text":"Thank you so much there, Ross.","start":46.885,"end":48.585,"sentiment":"positive","sentiment_score":0.5569261809190115},{"text":"Now I had completed all the research I needed to on looking at the advice for you.","start":48.885,"end":54.004997,"sentiment":"neutral","sentiment_score":0.07648182090590983},{"text":"So last time we spoke, we talked about reducing your risk level a little bit with no contributions going in and trying to sort of protect your suit for a little bit there.","start":54.004997,"end":62.17,"sentiment":"neutral","sentiment_score":-0.018138927774447384},{"text":"I've had a really good look at the research in your current position and by reducing your risk.","start":63.19,"end":68.265,"sentiment":"neutral","sentiment_score":-0.011706178180045552}],"sentiment":"neutral","sentiment_score":0.05711202435195446,"num_words":75,"start":46.245,"end":68.265},{"sentences":[{"text":"And because your insurance premiums are really high, it's honestly over the next five to ten years, every scenario is essentially coming out that it's gonna eat away your super.","start":68.345,"end":80.025,"sentiment":"negative","sentiment_score":-0.34019193251927693},{"text":"It's just showing a depletion.","start":80.025,"end":81.485,"sentiment":"negative","sentiment_score":-0.4673358857631683},{"text":"Even staying in the same current portfolio, the high growth environment, and keeping your insurance premiums the same, because the insurance premiums are quite high.","start":83.36,"end":93.36,"sentiment":"neutral","sentiment_score":-0.2848053556680679},{"text":"So at the moment, your insurance premiums are about 5,900.","start":93.36,"end":99.034996,"sentiment":"neutral","sentiment_score":-0.25464972108602524},{"text":"So what's coming out of super is a bit over 5,000.","start":99.034996,"end":101.695,"sentiment":"negative","sentiment_score":-0.34353864734823053}],"sentiment":"neutral","sentiment_score":-0.3208394275035387,"num_words":81,"start":68.345,"end":101.695},{"sentences":[{"text":"It looks like that is eating away all the growth plus the fees you pay for the super over the next five to ten years.","start":102.715,"end":110.735,"sentiment":"negative","sentiment_score":-0.40811794996261597},{"text":"All the projections are coming out that you'll only end up with a bit over 40,000 in super.","start":111.07001,"end":115.87,"sentiment":"neutral","sentiment_score":-0.2739568617608812},{"text":"It's all just been eaten away.","start":115.87,"end":117.57001,"sentiment":"negative","sentiment_score":-0.7663445572058359},{"text":"I do not want that by any means, so I wanted to sort of have a conversation with you because I know you're trying to claim on your TBD as well and would like to be able to claim on TBD.","start":118.75,"end":128.955,"sentiment":"neutral","sentiment_score":-0.1291252730368841},{"text":"But I just wanted to sort of see if there's a way we can look at maybe making these premiums a bit cheaper for you as well because, you know, I wanna make sure you can claim on something and still get something when you're able to claim, but I'm just really worried that the premiums plus the fees and your super with no contributions going in, I'm really worried that you're not gonna end up with any super left over, and I wanna do everything I can to prevent that for you.","start":130.535,"end":154.48999,"sentiment":"neutral","sentiment_score":-0.08475569018753626}],"sentiment":"neutral","sentiment_score":-0.17982871577021528,"num_words":183,"start":102.715,"end":154.48999},{"sentences":[{"text":"Yeah.","start":156.47499,"end":156.795,"sentiment":"neutral","sentiment_score":0.17725875973701477},{"text":"I'm so sorry.","start":156.795,"end":157.675,"sentiment":"neutral","sentiment_score":0.08550949891408284},{"text":"It's not the conversation that you were hoping for, and I do apologize.","start":157.675,"end":161.135,"sentiment":"neutral","sentiment_score":-0.16109908372163773},{"text":"With the current level of cover you have, you have 687,000 of life and TBD there at the moment.","start":165.595,"end":173.76,"sentiment":"neutral","sentiment_score":-0.04424296260664338},{"text":"If you were to just reduce that down to 500,000 even, we can reduce the insurance premium to 4,344.","start":174.86,"end":186.125,"sentiment":"neutral","sentiment_score":0.11495098746136616}],"sentiment":"neutral","sentiment_score":-0.005764515630223534,"num_words":55,"start":156.47499,"end":186.125},{"sentences":[{"text":"So it is saving you a bit more in premiums there.","start":186.125,"end":188.54501,"sentiment":"positive","sentiment_score":0.42353481596166437},{"text":"That's $4.03 $4.04 $6.03.","start":190.04501,"end":192.925,"sentiment":"neutral","sentiment_score":0.21183836087584496},{"text":"So it's saving you about $1,600 for the first year in insurance premium.","start":192.925,"end":196.705,"sentiment":"positive","sentiment_score":0.43104495910497814},{"text":"Or if you were okay to and this is pretty big and drastic change, but I wanted to give you the option.","start":197.56,"end":202.93999,"sentiment":"neutral","sentiment_score":0.2908473719250072},{"text":"If you were to look at reducing your cover, your life and TPD to 250,000, it actually saves you a lot more, and it reduces your insurance premiums $2,514.54.","start":203.15999,"end":217.145,"sentiment":"positive","sentiment_score":0.46595618796759636}],"sentiment":"positive","sentiment_score":0.39267332304882097,"num_words":79,"start":186.125,"end":217.145},{"sentences":[{"text":"So it saves you $3,400 for the year.","start":217.145,"end":220.285,"sentiment":"positive","sentiment_score":0.4853568449616432},{"text":"The premium, $2,514.","start":223.9,"end":227.44,"sentiment":"neutral","sentiment_score":0.010464673861861229},{"text":"And that pays out 250,000 in the event of a life or TBD claim.","start":229.26,"end":234.4,"sentiment":"neutral","sentiment_score":0.1364636586180755},{"text":"Yeah.","start":235.9,"end":236.4,"sentiment":"neutral","sentiment_score":0.027361512184143063},{"text":"Well, it's with TBD, it pays out the TBD benefit.","start":238.195,"end":241.895,"sentiment":"neutral","sentiment_score":0.10713725723326206}],"sentiment":"neutral","sentiment_score":0.19231872462357083,"num_words":36,"start":217.145,"end":241.895},{"sentences":[{"text":"We attach the life.","start":242.035,"end":243.315,"sentiment":"neutral","sentiment_score":0.05711499880999327},{"text":"So if you claim on TBD within twelve months after the claim, your life component is reinstated for you.","start":243.315,"end":251.1,"sentiment":"neutral","sentiment_score":0.2461353838443756},{"text":"So you will be able to claim with a life cover eventually as well.","start":251.1,"end":254.40001,"sentiment":"positive","sentiment_score":0.3916034145014627},{"text":"But, yeah, it doesn't it doesn't pay out the life and TPD in one lump sum.","start":255.34,"end":259.1,"sentiment":"neutral","sentiment_score":0.08520523994229734},{"text":"You just get that $2.50.","start":259.1,"end":260.56,"sentiment":"neutral","sentiment_score":0.13788160681724548}],"sentiment":"neutral","sentiment_score":0.21448572352528572,"num_words":58,"start":242.035,"end":260.56},{"sentences":[{"text":"Or if you reduce the the sum insured to 500,000, then it just pays out that 500,000, essentially.","start":261.18,"end":267.46503,"sentiment":"neutral","sentiment_score":0.1470662939051787},{"text":"But you can also claim your super on top of that to give you an additional benefit.","start":267.46503,"end":270.98502,"sentiment":"positive","sentiment_score":0.4113295200993033},{"text":"But I just wanted to I didn't wanna sort of sugarcoat it in any way.","start":270.98502,"end":275.625,"sentiment":"neutral","sentiment_score":-0.17318745503822963},{"text":"I just wanted to be honest with you and let you know this is what I'm seeing, and this is quite concerning.","start":275.625,"end":279.945,"sentiment":"neutral","sentiment_score":-0.09035053205761043},{"text":"As your adviser, I don't want to, you know, I don't want your super to go backwards, and I don't want you to lose everything that you've worked so hard for.","start":279.945,"end":287.37997,"sentiment":"negative","sentiment_score":-0.4607792386124211}],"sentiment":"neutral","sentiment_score":-0.08961053199849082,"num_words":103,"start":261.18,"end":287.37997},{"sentences":[{"text":"So I just wanted to sort of find out what your thoughts were and what what your goals are and, you know, how things are going for you as well.","start":287.91998,"end":295.22,"sentiment":"neutral","sentiment_score":0.22079458385705947},{"text":"Mhmm.","start":307.89502,"end":308.295,"sentiment":"neutral","sentiment_score":-0.020746706053614616},{"text":"Yeah.","start":308.295,"end":308.615,"sentiment":"neutral","sentiment_score":-0.011251432821154594},{"text":"So 687,000.","start":308.615,"end":310.95502,"sentiment":"neutral","sentiment_score":-0.013253447134047747},{"text":"Yeah.","start":314.50998,"end":315.00998,"sentiment":"neutral","sentiment_score":-0.08505833148956299}],"sentiment":"neutral","sentiment_score":0.18515069003083875,"num_words":35,"start":287.91998,"end":315.00998},{"sentences":[{"text":"And these premiums do get more and more expensive every year.","start":316.11,"end":319.47,"sentiment":"negative","sentiment_score":-0.3779340819879012},{"text":"So the biggest factor and why it's gonna deplete your super is that as you get older and closer to the with the risk of claiming, the way the insurance premiums are set is they do get more expensive.","start":319.47,"end":330.775,"sentiment":"negative","sentiment_score":-0.5324327792876806},{"text":"The ATO eats away more and more.","start":330.91498,"end":333.095,"sentiment":"negative","sentiment_score":-0.6559902940477643},{"text":"With the projections, I've been able to do up.","start":333.63498,"end":336.995,"sentiment":"neutral","sentiment_score":-0.09894749811953968},{"text":"The growth is great.","start":336.995,"end":338.115,"sentiment":"neutral","sentiment_score":0.18814058229327202}],"sentiment":"negative","sentiment_score":-0.4236007215189082,"num_words":70,"start":316.11,"end":338.115},{"sentences":[{"text":"So in a high growth portfolio and even in the balanced growth portfolio, we've been able to obtain about 11% return with the projected outcome, but it's all been eaten away by your insurance premiums.","start":338.115,"end":350.59,"sentiment":"neutral","sentiment_score":-0.18423672329102245},{"text":"It's and with no money going in.","start":350.73,"end":352.99,"sentiment":"negative","sentiment_score":-0.49562105536460876},{"text":"The only other thing I could consider would be looking if you're comfortable because you are 46.","start":353.61,"end":360.14502,"sentiment":"neutral","sentiment_score":-0.05634807817199651},{"text":"You know, realistically, you still got a bit of time ahead of you.","start":360.14502,"end":362.70502,"sentiment":"neutral","sentiment_score":-0.021757777493733626},{"text":"If you're comfortable taking more risks, staying in that high growth environment, is there any way you could put some additional contributions in the if we were to look at, you know, $50 a week or a $100 a month or something to see if that could help your grow?","start":362.70502,"end":379.7,"sentiment":"neutral","sentiment_score":0.15469552166759967}],"sentiment":"neutral","sentiment_score":-0.028062500456561806,"num_words":122,"start":338.115,"end":379.7},{"sentences":[{"text":"Is there any way that that would work, or is your expenses just not allowed for that in any way, shape, or form?","start":379.7,"end":385.96002,"sentiment":"neutral","sentiment_score":-0.07663539035812668},{"text":"A $100 a month?","start":390.315,"end":391.595,"sentiment":"neutral","sentiment_score":0.04961507022380829},{"text":"Yep.","start":391.595,"end":392.095,"sentiment":"neutral","sentiment_score":0.18996529281139377},{"text":"Okay.","start":393.75497,"end":394.25497,"sentiment":"neutral","sentiment_score":0.2284509539604187},{"text":"Because I can run the projections for you with a $100 per month to see if that helps.","start":395.675,"end":401.055,"sentiment":"positive","sentiment_score":0.3344479476412137}],"sentiment":"neutral","sentiment_score":0.10370905546748892,"num_words":47,"start":379.7,"end":401.055},{"sentences":[{"text":"Yeah.","start":404.19,"end":404.59,"sentiment":"neutral","sentiment_score":0.2271796315908432},{"text":"And are you comfortable I know we sort of talked about lowering the risk level.","start":404.59,"end":408.77,"sentiment":"neutral","sentiment_score":0.12342778444290162},{"text":"Are you comfortable if I was to keep you in that high growth portfolio longer?","start":409.38998,"end":413.71,"sentiment":"neutral","sentiment_score":0.09969894836346309},{"text":"I know you're taking more risk as something I would, you know, if you're not really able to contribute or with the way your health is, would realistically prefer you not do.","start":413.71,"end":422.075,"sentiment":"neutral","sentiment_score":-0.2932017329148948},{"text":"But if it's helping you so far and we're kind of catching up every couple of months to see how things are tracking, are you comfortable taking on a bit more risk in the market staying in that high growth environment?","start":422.075,"end":433.16,"sentiment":"neutral","sentiment_score":0.06219451156694714}],"sentiment":"neutral","sentiment_score":-0.031330767839860454,"num_words":104,"start":404.19,"end":433.16},{"sentences":[{"text":"Yeah.","start":436.90002,"end":437.30002,"sentiment":"neutral","sentiment_score":0.11717098206281662},{"text":"If not, I will have a look at adding the contributions in and also reducing the risk to see what I can do as well.","start":437.30002,"end":445.16,"sentiment":"neutral","sentiment_score":0.151109416782856},{"text":"I'm just gonna run all these projections again to see what it looks like, how it looks.","start":445.785,"end":450.025,"sentiment":"neutral","sentiment_score":0.20280289343174765},{"text":"I've looked at every super fund, every portfolio, all these different options.","start":450.025,"end":453.945,"sentiment":"neutral","sentiment_score":0.05412673104243974},{"text":"We've run about 30 different projections for you at the moment.","start":453.945,"end":456.925,"sentiment":"neutral","sentiment_score":-0.003984728997403925}],"sentiment":"neutral","sentiment_score":0.12042794459866303,"num_words":66,"start":436.90002,"end":456.925},{"sentences":[{"text":"But I just don't like it depleting your super because you don't need that.","start":457.865,"end":461.22998,"sentiment":"negative","sentiment_score":-0.5543424370033401},{"text":"You don't deserve that.","start":461.22998,"end":462.19,"sentiment":"negative","sentiment_score":-0.657522976398468},{"text":"You've worked really hard to this point.","start":462.19,"end":464.53,"sentiment":"negative","sentiment_score":-0.359360043491636},{"text":"With your insurances, did you really wanna keep them at the same level, or are you comfortable maybe just reducing them back a little bit to make them cheaper?","start":466.43,"end":473.87,"sentiment":"neutral","sentiment_score":-0.1251658621276247},{"text":"What's your thoughts, Russ?","start":473.87,"end":475.25,"sentiment":"neutral","sentiment_score":-0.04852669918909669}],"sentiment":"neutral","sentiment_score":-0.28845384700930327,"num_words":58,"start":457.865,"end":475.25},{"sentences":[{"text":"No.","start":490.21,"end":490.71,"sentiment":"neutral","sentiment_score":-0.27265605330467224},{"text":"Correct.","start":491.81,"end":492.31,"sentiment":"neutral","sentiment_score":0.14499390125274658},{"text":"So if we'd look to reduce it back, it does reduce the amount you're able to claim back to, you know, 5 I would honestly just be looking to try and reduce it back to 500,000 to start with.","start":492.44998,"end":503.695,"sentiment":"neutral","sentiment_score":0.1490790326243792},{"text":"It's a lesser of a reduction.","start":503.695,"end":505.475,"sentiment":"neutral","sentiment_score":0.022344800333182018},{"text":"But every year so with your insurance premiums, you do have indexation, which means that each year that you go through renewal, and your renewal your renewal date here is where is it?","start":506.575,"end":523.29,"sentiment":"neutral","sentiment_score":0.10372022381334593}],"sentiment":"neutral","sentiment_score":0.11554070385172963,"num_words":80,"start":490.21,"end":523.29},{"sentences":[{"text":"Renewal date.","start":523.51,"end":524.39,"sentiment":"neutral","sentiment_score":0.01276760594919324},{"text":"Policy started.","start":524.39,"end":525.52997,"sentiment":"neutral","sentiment_score":0.017183607444167137},{"text":"Oh, it doesn't tell me on this one.","start":530.55,"end":532.335,"sentiment":"neutral","sentiment_score":-0.10353409452363849},{"text":"But each year, it does go through renewal periods, and it indexes.","start":532.895,"end":537.47504,"sentiment":"neutral","sentiment_score":0.0016165796356896547},{"text":"So your sum insured will increase back each year.","start":537.775,"end":542.11505,"sentiment":"neutral","sentiment_score":0.018204488274123933}],"sentiment":"neutral","sentiment_score":-0.017731241797181694,"num_words":33,"start":523.51,"end":542.11505},{"sentences":[{"text":"It will take time to get to the same level, But with you paying about 5,000 now for the premiums, they're only gonna keep getting more and more expensive each year.","start":542.575,"end":552.51996,"sentiment":"neutral","sentiment_score":-0.3134298570934803},{"text":"So it's just a matter of whether you decrease it back just a little bit now to save some money now or whether we keep it at the same level and try to pump a bit more money into super and take a bit more risk to try and alleviate what's happening with the premium.","start":552.51996,"end":567.26495,"sentiment":"neutral","sentiment_score":-0.2737474460493435},{"text":"Yeah.","start":571.005,"end":571.485,"sentiment":"neutral","sentiment_score":-0.0844528079032898},{"text":"Sorry.","start":571.485,"end":571.985,"sentiment":"neutral","sentiment_score":-0.18489402532577515},{"text":"Not at all.","start":573.86,"end":574.9,"sentiment":"neutral","sentiment_score":-0.29639454185962677}],"sentiment":"neutral","sentiment_score":-0.28495566551010687,"num_words":91,"start":542.575,"end":574.9},{"sentences":[{"text":"What I've Yep.","start":574.9,"end":577.8,"sentiment":"neutral","sentiment_score":-0.18836039304733276},{"text":"It is.","start":592.465,"end":593.72504,"sentiment":"neutral","sentiment_score":-0.03852132149040699},{"text":"It is.","start":593.98505,"end":594.72504,"sentiment":"neutral","sentiment_score":-0.020176582038402557},{"text":"Yeah.","start":597.905,"end":598.405,"sentiment":"neutral","sentiment_score":0.06050592288374901},{"text":"Did you want me just to try and run the projections keeping the insurances the same and keeping you in that high growth environment?","start":600.385,"end":608.22,"sentiment":"neutral","sentiment_score":0.01782688032835722}],"sentiment":"neutral","sentiment_score":-0.006066435482352972,"num_words":32,"start":574.9,"end":608.22},{"sentences":[{"text":"I'll look at the the the best kind of way to structure the portfolio.","start":608.44,"end":612.38,"sentiment":"neutral","sentiment_score":0.07714281763349261},{"text":"So we're we're in high growth.","start":612.6,"end":614.12,"sentiment":"neutral","sentiment_score":0.20282096912463507},{"text":"We're getting good returns, but we're, you know, limiting the the risk as much as possible.","start":614.12,"end":620.06494,"sentiment":"neutral","sentiment_score":0.04317200160585344},{"text":"We contribute a $100 on a monthly basis in the super to try and help because that $100 on a monthly basis, that's $1,200 per year.","start":621.485,"end":630.365,"sentiment":"neutral","sentiment_score":0.10863308579875873},{"text":"That will, you know, alleviate some of the stress and sort of see what that looks like over the next couple of years.","start":630.365,"end":635.77997,"sentiment":"neutral","sentiment_score":0.21636564705682837}],"sentiment":"neutral","sentiment_score":0.12692408706335462,"num_words":85,"start":608.44,"end":635.77997},{"sentences":[{"text":"Did you want me just to run that to start with?","start":635.92,"end":638.18,"sentiment":"neutral","sentiment_score":0.04589306952601129},{"text":"Yep.","start":640.39996,"end":640.88,"sentiment":"neutral","sentiment_score":0.18085865676403048},{"text":"Okay.","start":640.88,"end":641.38,"sentiment":"positive","sentiment_score":0.3926166594028473},{"text":"Beautiful.","start":642.95996,"end":643.45996,"sentiment":"positive","sentiment_score":0.6867156028747559},{"text":"I'll do that.","start":643.6,"end":644.565,"sentiment":"positive","sentiment_score":0.47874749700228375}],"sentiment":"neutral","sentiment_score":0.18830924557850642,"num_words":17,"start":635.92,"end":644.565},{"sentences":[{"text":"What I can do is once I've got that projection, I can email it through to you to have a bit of a look if you like, and then we can always touch base.","start":644.805,"end":653.545,"sentiment":"neutral","sentiment_score":0.13614638062084422},{"text":"I just wanna try and make sure that your soup is working the best it can for you.","start":654.405,"end":659.26,"sentiment":"neutral","sentiment_score":0.21767190967996916},{"text":"It's just that everything I've run so far just looks like it was eating your sleep away, and that was not putting you in any good positions down the track at all.","start":659.39996,"end":668.04,"sentiment":"negative","sentiment_score":-0.41406853683292866},{"text":"So yeah.","start":668.04,"end":670.3,"sentiment":"neutral","sentiment_score":-0.06134837120771408},{"text":"I did also have a quick look at all the doctor's reports and things like that.","start":670.545,"end":674.70496,"sentiment":"neutral","sentiment_score":-0.09389946842566133}],"sentiment":"neutral","sentiment_score":-0.06204127549540763,"num_words":102,"start":644.805,"end":674.70496},{"sentences":[{"text":"So I can see where the claim did sort of fall down.","start":674.70496,"end":679.605,"sentiment":"neutral","sentiment_score":-0.23650660862525305},{"text":"I can see with the ADL assessment, you do have a lot of trouble standing and sitting for long periods of time, don't you?","start":680.785,"end":689.97,"sentiment":"neutral","sentiment_score":-0.3075192713489135},{"text":"Yeah.","start":691.55,"end":692.03,"sentiment":"neutral","sentiment_score":-0.1182788610458374},{"text":"And even walking.","start":692.03,"end":693.15,"sentiment":"neutral","sentiment_score":-0.23661174873510996},{"text":"Like, the report, he noted that it was you were only able to tolerate about fifteen minutes of walking prior to having to rotate your position and alter and sit down, essentially.","start":693.15,"end":705.935,"sentiment":"neutral","sentiment_score":-0.24675009911879897}],"sentiment":"neutral","sentiment_score":-0.2630924874295791,"num_words":72,"start":674.70496,"end":705.935},{"sentences":[{"text":"So it looks like you do are in quite a lot of pain still.","start":705.995,"end":709.615,"sentiment":"negative","sentiment_score":-0.42328824954373495},{"text":"Yeah.","start":713.51,"end":713.99,"sentiment":"neutral","sentiment_score":-0.08268366754055023},{"text":"Yeah.","start":713.99,"end":714.49,"sentiment":"neutral","sentiment_score":-0.0638287365436554},{"text":"So with the ADL definition for TBD, I noted here with the the way the report had come back, it noted that with they had the tasks, and they note dressing, grooming, eating, and preparing meals, and showering as the main ones.","start":714.79,"end":733.805,"sentiment":"neutral","sentiment_score":-0.03181131485672224},{"text":"And then they noted here that you still had you were still independent in acting in all those areas.","start":734.505,"end":742.74,"sentiment":"neutral","sentiment_score":0.025539204478263855}],"sentiment":"neutral","sentiment_score":-0.08991400307262098,"num_words":77,"start":705.995,"end":742.74},{"sentences":[{"text":"So it did state that with regard to showering, you did have some difficulty and some pain in your lower back, but you were still able to complete showering, eating primarily independently, grooming tasks, reported no concerns, and alright.","start":742.74,"end":774.88,"sentiment":"neutral","sentiment_score":0.01811376079105032},{"text":"Okay.","start":775.10004,"end":775.58,"sentiment":"neutral","sentiment_score":-0.04663513973355293},{"text":"Yeah.","start":775.58,"end":776.08,"sentiment":"neutral","sentiment_score":-0.11352746188640594},{"text":"Yeah.","start":778.14,"end":778.54,"sentiment":"neutral","sentiment_score":-0.011892465874552728},{"text":"And dressing, it did say here that you were able to dress independently.","start":778.54,"end":782.045,"sentiment":"neutral","sentiment_score":0.03375160378905443}],"sentiment":"neutral","sentiment_score":0.01769368095662106,"num_words":55,"start":742.74,"end":782.045},{"sentences":[{"text":"However, it was reported to be sitting down to attend lower body to minimize the degree of bending required.","start":782.185,"end":789.165,"sentiment":"neutral","sentiment_score":-0.06464013859237495},{"text":"So that's okay.","start":790.90497,"end":795.82,"sentiment":"neutral","sentiment_score":0.036068531995018326},{"text":"Yeah.","start":798.28,"end":798.78,"sentiment":"neutral","sentiment_score":0.01934916526079178},{"text":"Yep.","start":801.72003,"end":802.22003,"sentiment":"neutral","sentiment_score":0.07018689811229706},{"text":"Yep.","start":802.52,"end":803.02,"sentiment":"neutral","sentiment_score":0.09563615173101424}],"sentiment":"neutral","sentiment_score":-0.03739139288663864,"num_words":25,"start":782.185,"end":803.02},{"sentences":[{"text":"Absolutely.","start":804.92004,"end":805.42004,"sentiment":"positive","sentiment_score":0.33792436122894287},{"text":"And then the report goes into a bit more detail around the other activities of daily living, so dusting, vacuuming, sweeping floors, cleaning kitchens cleaning the kitchen and the cupboards, cleaning the bathroom, mowing lawns, cleaning kitchen counters, washing dishes, cleaning ovens, and emptying bins.","start":806.855,"end":824.48,"sentiment":"neutral","sentiment_score":0.04693080571790536},{"text":"And it noted here that tasks were shared and completed with your wife, and some were completed by your son.","start":825.9,"end":833.77496,"sentiment":"neutral","sentiment_score":-0.03288182746618986},{"text":"You had impaired ability as well on some of these.","start":833.915,"end":837.535,"sentiment":"neutral","sentiment_score":-0.2959306165575981},{"text":"Yeah.","start":840.07495,"end":840.475,"sentiment":"neutral","sentiment_score":-0.2179875075817108}],"sentiment":"neutral","sentiment_score":-0.01798856628502344,"num_words":77,"start":804.92004,"end":840.475},{"sentences":[{"text":"So he okay.","start":840.475,"end":848.56995,"sentiment":"negative","sentiment_score":-0.3616705040136973},{"text":"Oh, because the report here says mister Higgins advised task was completed by son.","start":850.14996,"end":855.76996,"sentiment":"neutral","sentiment_score":-0.08838084446532386},{"text":"Yeah.","start":860.535,"end":861.035,"sentiment":"neutral","sentiment_score":-0.05032259598374367},{"text":"And that was for cleaning the kitchen counters and washing the dishes.","start":861.175,"end":865.435,"sentiment":"neutral","sentiment_score":-0.07205144315958023},{"text":"Okay.","start":871.01495,"end":871.51495,"sentiment":"neutral","sentiment_score":0.06445931643247604}],"sentiment":"neutral","sentiment_score":-0.10234915909747924,"num_words":31,"start":840.475,"end":871.51495},{"sentences":[{"text":"Perfect.","start":871.575,"end":872.075,"sentiment":"neutral","sentiment_score":0.26982444524765015},{"text":"Perfect.","start":872.21497,"end":872.71497,"sentiment":"neutral","sentiment_score":0.0241076722741127},{"text":"Yep.","start":875.05,"end":875.55,"sentiment":"neutral","sentiment_score":-0.24401447176933289},{"text":"Okay.","start":879.29,"end":879.79,"sentiment":"neutral","sentiment_score":-0.11131180077791214},{"text":"Yeah.","start":882.73,"end":883.20996,"sentiment":"neutral","sentiment_score":-0.1129639744758606}],"sentiment":"neutral","sentiment_score":-0.03487162590026856,"num_words":5,"start":871.575,"end":883.20996},{"sentences":[{"text":"So there's there's a lot to this report.","start":883.20996,"end":885.23,"sentiment":"neutral","sentiment_score":-0.2006045300513506},{"text":"I can just sorta I do see where it kind of did come back to.","start":885.61,"end":890.96497,"sentiment":"neutral","sentiment_score":-0.13088715275128682},{"text":"But when we are looking to claim on TBD, what we essentially need to be able to do, we need to not be able to complete generally two to three of those five different tasks.","start":891.26495,"end":902.725,"sentiment":"negative","sentiment_score":-0.3370999685355595},{"text":"So when you look at, you know, dressing, showering, grooming, preparing meals, cleaning the house, driving, things like that, those daily activities, they need you to not be able to complete essentially two to three of those five, which is a a harder definition to to meet, admittedly.","start":902.76,"end":924.515,"sentiment":"neutral","sentiment_score":-0.16799295010666052},{"text":"But with where you're at and with what the report shows, there is a real chance that down the track, you'll be able to claim on this.","start":925.455,"end":933.395,"sentiment":"positive","sentiment_score":0.3760448487268554}],"sentiment":"neutral","sentiment_score":-0.0998277678189421,"num_words":133,"start":883.20996,"end":933.395},{"sentences":[{"text":"It just comes into a matter of when, and I would probably as you're going back to the doctor and having a specialist, if you can have a chat to them and kinda just say this is where I'm at, they'll be able to help determine when this claim can be resubmitted for you.","start":934.13,"end":952.735,"sentiment":"neutral","sentiment_score":0.1060808619691266},{"text":"Okay?","start":952.875,"end":953.375,"sentiment":"neutral","sentiment_score":0.03828006982803345},{"text":"Mhmm.","start":962.47,"end":962.97,"sentiment":"neutral","sentiment_score":-0.1445845663547516},{"text":"Mhmm.","start":963.75,"end":964.25,"sentiment":"neutral","sentiment_score":-0.022313492372632027},{"text":"Yeah.","start":968.55,"end":968.87,"sentiment":"neutral","sentiment_score":0.0456695631146431}],"sentiment":"neutral","sentiment_score":0.09733479518186429,"num_words":58,"start":934.13,"end":968.87},{"sentences":[{"text":"It is.","start":968.87,"end":969.35,"sentiment":"neutral","sentiment_score":0.062473639845848083},{"text":"Yeah.","start":969.35,"end":969.85,"sentiment":"neutral","sentiment_score":0.04477739706635475},{"text":"So this report was done up by the rehab management people.","start":969.91,"end":974.25,"sentiment":"neutral","sentiment_score":0.017835070463744076},{"text":"So they're looking to show that you need someone to put your socks on, help you put your shirt and pants on, that you're, you know, struggling to to sit down and eat your food, that someone might be, you know, either feeding you.","start":974.71,"end":987.365,"sentiment":"neutral","sentiment_score":-0.061113841916349804},{"text":"You might require help showering.","start":987.365,"end":989.225,"sentiment":"neutral","sentiment_score":-0.10575980991125107}],"sentiment":"neutral","sentiment_score":-0.04526821653994303,"num_words":63,"start":968.87,"end":989.225},{"sentences":[{"text":"Someone might have to be there to support you showering, things like that.","start":989.365,"end":993.42,"sentiment":"neutral","sentiment_score":-0.11214005431303611},{"text":"They're actually looking for the point where you're unable to do all these sorts of actions on your own, and you require assistance to do those.","start":993.42,"end":1002.95996,"sentiment":"neutral","sentiment_score":-0.31836601002858234},{"text":"And that's when the ADL definition becomes a lot more prevalent, if that makes sense.","start":1003.42,"end":1010.635,"sentiment":"neutral","sentiment_score":-0.24275130877892176},{"text":"Yeah.","start":1012.295,"end":1012.695,"sentiment":"neutral","sentiment_score":-0.2043708562850952},{"text":"It's it's it's a really hard definition to claim on.","start":1012.695,"end":1015.33496,"sentiment":"negative","sentiment_score":-0.5277810722589493}],"sentiment":"neutral","sentiment_score":-0.290135202728785,"num_words":65,"start":989.365,"end":1015.33496},{"sentences":[{"text":"I'm really sorry about that.","start":1015.33496,"end":1016.77496,"sentiment":"negative","sentiment_score":-0.5779015481472015},{"text":"But I wanna make sure that, you know, down the track, when you're able to, when the claim is here, that you're able to claim on because, yeah, you have paid these premiums, and they're not cheap in any way, shape, or form.","start":1016.77496,"end":1027.72,"sentiment":"neutral","sentiment_score":0.04667225341464198},{"text":"So I think you deserve to claim on the cover when so.","start":1027.78,"end":1031.0,"sentiment":"neutral","sentiment_score":0.2533338262389104},{"text":"But I also just I'm worried that it's you know, the premiums as they get more correct.","start":1031.86,"end":1037.635,"sentiment":"negative","sentiment_score":-0.4531981261337505},{"text":"Yeah.","start":1037.7749,"end":1038.0149,"sentiment":"neutral","sentiment_score":-0.19612351059913635}],"sentiment":"neutral","sentiment_score":-0.07362931517836376,"num_words":78,"start":1015.33496,"end":1038.0149},{"sentences":[{"text":"I don't want you to end up with no super as well because then all your hard work, you know, you've gone down the drain there as well.","start":1038.0149,"end":1044.4149,"sentiment":"negative","sentiment_score":-0.4573767195854868},{"text":"So I don't want that for you.","start":1044.4149,"end":1046.195,"sentiment":"negative","sentiment_score":-0.48481692160878864},{"text":"Not really.","start":1057.8501,"end":1058.75,"sentiment":"neutral","sentiment_score":-0.17048056423664093},{"text":"We would only be able to apply for any occupation TBD.","start":1058.89,"end":1062.8301,"sentiment":"neutral","sentiment_score":-0.12025355073538693},{"text":"And because you're currently not working on a workers' compensation claim, they will they won't allow you to apply for new cover.","start":1063.05,"end":1071.595,"sentiment":"neutral","sentiment_score":-0.3040157847783782}],"sentiment":"negative","sentiment_score":-0.3507480578763144,"num_words":70,"start":1038.0149,"end":1071.595},{"sentences":[{"text":"They'll want that claim to be completed.","start":1071.595,"end":1073.615,"sentiment":"neutral","sentiment_score":-0.1611665678875787},{"text":"When applying for insurance, the insurers are looking at the risk of you making a claim.","start":1074.395,"end":1078.635,"sentiment":"neutral","sentiment_score":-0.3049697410315275},{"text":"And because of where you're at, the risk of you making a claim is a lot higher.","start":1078.635,"end":1082.175,"sentiment":"negative","sentiment_score":-0.4148051563431235},{"text":"So they'll look at, you know, the workers' compensation claim and go, well, hey.","start":1082.46,"end":1086.5599,"sentiment":"neutral","sentiment_score":-0.10368894492941243},{"text":"If we put this policy in place now, you know, in a few months' time, you may be able to claim on that.","start":1086.78,"end":1092.72,"sentiment":"neutral","sentiment_score":-0.0839869687738626}],"sentiment":"neutral","sentiment_score":-0.2135417532514442,"num_words":77,"start":1071.595,"end":1092.72},{"sentences":[{"text":"That's the risk to the insurer that they are not not normally willing to take.","start":1092.78,"end":1096.575,"sentiment":"neutral","sentiment_score":-0.26099666257699333},{"text":"So keeping the cover that you have at the moment is the best way forward currently, but, admittedly, the definitions aren't great.","start":1097.135,"end":1106.1749,"sentiment":"neutral","sentiment_score":-0.1216454729437828},{"text":"It is extremely expensive, and it's just sort of up to you what you want us to whether you keep the cover at the same amount or whether we just reduce it back a little bit, still keeping the cover in play.","start":1106.1749,"end":1119.29,"sentiment":"neutral","sentiment_score":-0.23786889477854684},{"text":"It's just that we're reducing the sum insured slightly to kind of reduce the cost on your super a little bit.","start":1119.29,"end":1125.07,"sentiment":"neutral","sentiment_score":-0.03988512073244367},{"text":"Yeah.","start":1127.405,"end":1127.8049,"sentiment":"neutral","sentiment_score":0.0028620713856071234}],"sentiment":"neutral","sentiment_score":-0.17243930087240394,"num_words":101,"start":1092.78,"end":1127.8049},{"sentences":[{"text":"Sorry.","start":1127.8049,"end":1128.2849,"sentiment":"neutral","sentiment_score":-0.05707625299692154},{"text":"Some difficult you can.","start":1128.2849,"end":1131.725,"sentiment":"neutral","sentiment_score":-0.10428460128605366},{"text":"However, you do have to apply to increase it.","start":1131.725,"end":1134.0449,"sentiment":"neutral","sentiment_score":-0.07279459552632438},{"text":"And because you've got this injury now, they will exclude on any increase.","start":1134.0449,"end":1138.705,"sentiment":"neutral","sentiment_score":-0.12100073494590245},{"text":"They correct.","start":1139.34,"end":1139.9,"sentiment":"neutral","sentiment_score":0.016392989084124565}],"sentiment":"neutral","sentiment_score":-0.09205481358643236,"num_words":29,"start":1127.8049,"end":1139.9},{"sentences":[{"text":"They'll exclude any preexisting injuries on an increase on the application.","start":1139.9,"end":1144.16,"sentiment":"neutral","sentiment_score":-0.02248361376537518},{"text":"Decreasing is easy because there's no application to do so.","start":1145.1799,"end":1148.62,"sentiment":"neutral","sentiment_score":0.012691556103527546},{"text":"It's just telling them to decrease the sum insured, and they'll decrease the premium.","start":1148.62,"end":1153.865,"sentiment":"neutral","sentiment_score":-0.06034188611166818},{"text":"If you've gone through renewal, they refund you the difference back.","start":1153.925,"end":1157.0651,"sentiment":"neutral","sentiment_score":-0.06481487303972244},{"text":"However, to then increase it back, you have to go back to an application, and that is the risk we take when we decrease insurances.","start":1158.0851,"end":1164.8251,"sentiment":"negative","sentiment_score":-0.36728745460510254}],"sentiment":"neutral","sentiment_score":-0.15296254316213684,"num_words":71,"start":1139.9,"end":1164.8251},{"sentences":[{"text":"So it's not something I can decide for you.","start":1165.285,"end":1168.97,"sentiment":"neutral","sentiment_score":-0.27618341479036546},{"text":"It's gotta be something that you're comfortable with.","start":1168.97,"end":1171.45,"sentiment":"neutral","sentiment_score":-0.06819042190909386},{"text":"The alternative is we keep the cover the same.","start":1171.45,"end":1173.95,"sentiment":"neutral","sentiment_score":0.10898673865530226},{"text":"I'm happy to look at the $100 on a monthly basis, and we just try to contribute as much as we possibly can to super to kind of keep the money going in to build it up to cover the cost of the premium, but it's also down to your expenditure.","start":1174.33,"end":1189.285,"sentiment":"positive","sentiment_score":0.34782376710106344},{"text":"Yeah.","start":1191.585,"end":1192.085,"sentiment":"neutral","sentiment_score":0.16091454029083252}],"sentiment":"neutral","sentiment_score":0.20320042566611216,"num_words":78,"start":1165.285,"end":1192.085},{"sentences":[{"text":"Yeah.","start":1199.23,"end":1199.63,"sentiment":"neutral","sentiment_score":0.14917807281017303},{"text":"Yep.","start":1199.63,"end":1199.95,"sentiment":"neutral","sentiment_score":0.1348087042570114},{"text":"Yep.","start":1199.95,"end":1200.1901,"sentiment":"neutral","sentiment_score":0.14007103443145752},{"text":"And you're happy to just keep the insurances as they are for the moment, and I'll do the projections?","start":1200.1901,"end":1204.61,"sentiment":"neutral","sentiment_score":0.26730369854914515},{"text":"Yep.","start":1206.1901,"end":1206.59,"sentiment":"neutral","sentiment_score":0.04692386835813522}],"sentiment":"neutral","sentiment_score":0.24129356314306674,"num_words":23,"start":1199.23,"end":1206.59},{"sentences":[{"text":"Okay.","start":1206.59,"end":1207.065,"sentiment":"neutral","sentiment_score":0.050605908036231995},{"text":"Not a problem at all.","start":1207.225,"end":1208.345,"sentiment":"neutral","sentiment_score":-0.018212801218032836},{"text":"I'm so sorry the conversation wasn't great, but I wanted to make sure I was honest with you.","start":1208.345,"end":1212.4249,"sentiment":"neutral","sentiment_score":-0.2351784043841892},{"text":"I don't want to give you a plan that says, hey.","start":1212.4249,"end":1214.745,"sentiment":"negative","sentiment_score":-0.5538452186367728},{"text":"In ten years' time, I didn't expect you to have $40,000.","start":1214.745,"end":1217.625,"sentiment":"negative","sentiment_score":-0.489587125453082}],"sentiment":"negative","sentiment_score":-0.3424222861295161,"num_words":46,"start":1206.59,"end":1217.625},{"sentences":[{"text":"That's not a great plan.","start":1217.625,"end":1218.745,"sentiment":"negative","sentiment_score":-0.7527637958526612},{"text":"That's not putting you in a good position in any way, shape, or form.","start":1218.745,"end":1221.865,"sentiment":"negative","sentiment_score":-0.6290158650704792},{"text":"So, yeah, Yep.","start":1221.865,"end":1238.6449,"sentiment":"neutral","sentiment_score":-0.0517223576704661},{"text":"Okay.","start":1246.945,"end":1247.445,"sentiment":"neutral","sentiment_score":0.02053675800561905},{"text":"Okay.","start":1250.5499,"end":1251.0299,"sentiment":"neutral","sentiment_score":0.2160891592502594}],"sentiment":"negative","sentiment_score":-0.5203575935835639,"num_words":24,"start":1217.625,"end":1251.0299},{"sentences":[{"text":"Beautiful.","start":1251.0299,"end":1251.5299,"sentiment":"positive","sentiment_score":0.5006178021430969},{"text":"For twelve months.","start":1251.59,"end":1252.3099,"sentiment":"neutral","sentiment_score":0.14228923122088113},{"text":"So what I might even do sorry.","start":1252.3099,"end":1254.1699,"sentiment":"neutral","sentiment_score":-0.014955209302050727},{"text":"With the with the advice document, I might just limit the projections to say one to two to five years just to sort of see where we are in the shorter term because then we know we can always update the advice.","start":1254.47,"end":1267.445,"sentiment":"neutral","sentiment_score":0.00062083781120323},{"text":"We can always look at things again in a few months' time when you've met that twelve months.","start":1267.445,"end":1271.385,"sentiment":"neutral","sentiment_score":0.0553538313963347}],"sentiment":"neutral","sentiment_score":0.025989340618252754,"num_words":71,"start":1251.0299,"end":1271.385},{"sentences":[{"text":"Does that sound okay for you?","start":1271.6849,"end":1273.385,"sentiment":"neutral","sentiment_score":0.13902023807168007},{"text":"Yep.","start":1274.8049,"end":1275.3049,"sentiment":"neutral","sentiment_score":0.1491197943687439},{"text":"Beautiful.","start":1275.365,"end":1275.865,"sentiment":"positive","sentiment_score":0.3939914107322693},{"text":"And has the so you've got that twelve months coming up for the lawyers.","start":1278.09,"end":1282.83,"sentiment":"neutral","sentiment_score":0.04305455221661499},{"text":"Has workers' compensation sort of put out anything with regard to doing a bit of a payout?","start":1282.97,"end":1287.87,"sentiment":"neutral","sentiment_score":0.0027247026343556013}],"sentiment":"neutral","sentiment_score":0.05195682844481407,"num_words":39,"start":1271.6849,"end":1287.87},{"sentences":[{"text":"Have they sort of had that had a talk about where they're going with that at the moment, or is that all gonna happen when you to twelve months?","start":1288.09,"end":1294.385,"sentiment":"neutral","sentiment_score":-0.03258035659533123},{"text":"Okay.","start":1297.9651,"end":1298.4651,"sentiment":"neutral","sentiment_score":-0.015050847083330154},{"text":"Yes.","start":1304.765,"end":1305.265,"sentiment":"neutral","sentiment_score":0.05764232575893402},{"text":"Yep.","start":1307.22,"end":1307.72,"sentiment":"neutral","sentiment_score":0.006530466489493847},{"text":"It really is.","start":1314.74,"end":1315.7,"sentiment":"neutral","sentiment_score":-0.25017087658246356}],"sentiment":"neutral","sentiment_score":-0.04703488645276853,"num_words":35,"start":1288.09,"end":1315.7},{"sentences":[{"text":"It really is.","start":1315.7,"end":1316.6599,"sentiment":"neutral","sentiment_score":-0.18420814971129099},{"text":"And you've got so much going on, and all you wanna do is, you know, work and live and survive.","start":1316.6599,"end":1322.085,"sentiment":"neutral","sentiment_score":-0.0740222156047821},{"text":"Yeah.","start":1322.3049,"end":1322.8049,"sentiment":"neutral","sentiment_score":-0.03564811125397682},{"text":"Yeah.","start":1323.105,"end":1323.605,"sentiment":"neutral","sentiment_score":-0.06880072504281998},{"text":"I'm so sorry you're going through all this, Ross.","start":1324.0249,"end":1326.865,"sentiment":"neutral","sentiment_score":-0.23013071715831757}],"sentiment":"neutral","sentiment_score":-0.12378511917503442,"num_words":34,"start":1315.7,"end":1326.865},{"sentences":[{"text":"It's a lot.","start":1326.865,"end":1327.6849,"sentiment":"neutral","sentiment_score":-0.25334128737449646},{"text":"Yeah.","start":1331.345,"end":1331.845,"sentiment":"neutral","sentiment_score":-0.011830568313598633},{"text":"Yeah.","start":1331.905,"end":1332.3049,"sentiment":"neutral","sentiment_score":0.008242122828960419},{"text":"Well, I promise I will look after you here, and I'll look after you, And I'll have every tough conversation, and I'll do every projection I possibly can to see how I can put you in a better position and keep things working for you.","start":1332.3049,"end":1344.04,"sentiment":"neutral","sentiment_score":0.1104879264616304},{"text":"Okay?","start":1344.04,"end":1344.54,"sentiment":"neutral","sentiment_score":0.023311858996748924}],"sentiment":"neutral","sentiment_score":0.08297365180709783,"num_words":51,"start":1326.865,"end":1344.54},{"sentences":[{"text":"That's okay.","start":1347.425,"end":1348.305,"sentiment":"positive","sentiment_score":0.3430858701467514},{"text":"Again, I'm so sorry it wasn't the best conversation, but I I I I'm an honest person.","start":1348.305,"end":1352.9451,"sentiment":"neutral","sentiment_score":-0.15725336366278284},{"text":"I feel it's better to be honest and talk things through with you than to just say, here's a projection.","start":1352.9451,"end":1358.965,"sentiment":"neutral","sentiment_score":-0.06216728662548121},{"text":"Your sleep is gonna deplete.","start":1359.025,"end":1360.465,"sentiment":"negative","sentiment_score":-0.6132812857627868},{"text":"It's what it is.","start":1360.465,"end":1361.345,"sentiment":"neutral","sentiment_score":-0.3024156391620636}],"sentiment":"neutral","sentiment_score":-0.15638646166553372,"num_words":48,"start":1347.425,"end":1361.345},{"sentences":[{"text":"I'd rather find a way to fight for you.","start":1361.345,"end":1363.44,"sentiment":"neutral","sentiment_score":-0.21127923329671225},{"text":"And as, you know, as an adviser, we have a fiduciary duty to look after our clients and work in your best interest and put that above everything else.","start":1363.44,"end":1371.68,"sentiment":"neutral","sentiment_score":0.10614975027996919},{"text":"So it's important that I do have these conversations with you.","start":1371.68,"end":1375.68,"sentiment":"neutral","sentiment_score":0.12501131946390326},{"text":"But if it's okay, I've rebooked you in for next Thursday if it's at all possible just to maybe, hopefully, have this advice document completed and re have that ready to present.","start":1375.68,"end":1386.775,"sentiment":"neutral","sentiment_score":0.14263603370636702},{"text":"Would 10:30 next Thursday be okay for you?","start":1386.775,"end":1389.755,"sentiment":"neutral","sentiment_score":0.02994043775834143}],"sentiment":"neutral","sentiment_score":0.08264978374406863,"num_words":89,"start":1361.345,"end":1389.755},{"sentences":[{"text":"Okay.","start":1393.08,"end":1393.58,"sentiment":"neutral","sentiment_score":-0.11854179948568344},{"text":"Okay.","start":1394.28,"end":1394.78,"sentiment":"neutral","sentiment_score":0.03596363961696625},{"text":"That's fine.","start":1394.92,"end":1395.74,"sentiment":"neutral","sentiment_score":0.1266261301934719},{"text":"What's oh, will you enjoy that?","start":1396.68,"end":1399.42,"sentiment":"neutral","sentiment_score":0.2803701062997182},{"text":"That's you deserve it.","start":1399.8,"end":1401.42,"sentiment":"neutral","sentiment_score":0.24793966114521027}],"sentiment":"neutral","sentiment_score":0.20318952734981263,"num_words":14,"start":1393.08,"end":1401.42},{"sentences":[{"text":"What about the following week?","start":1402.2,"end":1404.12,"sentiment":"neutral","sentiment_score":0.023929532244801523},{"text":"I've got plenty of time the following week.","start":1404.12,"end":1406.365,"sentiment":"neutral","sentiment_score":0.05933635402470827},{"text":"When would sort of suit you to run through that one?","start":1406.365,"end":1409.265,"sentiment":"neutral","sentiment_score":0.06384781714190137},{"text":"Next Thursday or any day?","start":1416.125,"end":1418.625,"sentiment":"neutral","sentiment_score":0.012109053879976272},{"text":"The following Thursday?","start":1419.9501,"end":1421.09,"sentiment":"neutral","sentiment_score":-0.014975661722322306}],"sentiment":"neutral","sentiment_score":0.041008836444234475,"num_words":32,"start":1402.2,"end":1421.09},{"sentences":[{"text":"Yep.","start":1422.27,"end":1422.59,"sentiment":"neutral","sentiment_score":0.106430321931839},{"text":"Perfect.","start":1422.59,"end":1422.99,"sentiment":"neutral","sentiment_score":0.2334434539079666},{"text":"That's the May 14, and I'll pop it in there for 11AM there for you that day.","start":1422.99,"end":1427.71,"sentiment":"neutral","sentiment_score":0.10738938871551962},{"text":"Okay?","start":1427.71,"end":1428.21,"sentiment":"neutral","sentiment_score":0.12449388206005096},{"text":"Beautiful.","start":1429.9501,"end":1430.4501,"sentiment":"positive","sentiment_score":0.5348204374313354}],"sentiment":"neutral","sentiment_score":0.13451465254738218,"num_words":21,"start":1422.27,"end":1430.4501},{"sentences":[{"text":"Thank you so much for that.","start":1430.51,"end":1432.11,"sentiment":"positive","sentiment_score":0.6444413363933563},{"text":"I'll let you go.","start":1432.11,"end":1432.99,"sentiment":"positive","sentiment_score":0.3577428162097931},{"text":"I'll go back to looking at everything and doing those projections.","start":1432.99,"end":1437.515,"sentiment":"neutral","sentiment_score":0.252852510322224},{"text":"I will probably just send you an email today with an updated projection to sort of show you where this might be tracking.","start":1437.515,"end":1443.215,"sentiment":"neutral","sentiment_score":0.20258115912261215},{"text":"And if it's still depleting your super, we can always come back and look at what else we can do.","start":1443.4349,"end":1448.095,"sentiment":"neutral","sentiment_score":0.012397118378430605}],"sentiment":"neutral","sentiment_score":0.2029110300645698,"num_words":64,"start":1430.51,"end":1448.095},{"sentences":[{"text":"Okay?","start":1448.155,"end":1448.655,"sentiment":"neutral","sentiment_score":0.1464335322380066},{"text":"Okay.","start":1450.89,"end":1451.39,"sentiment":"neutral","sentiment_score":0.19125878810882568},{"text":"All good, Russell.","start":1451.61,"end":1452.6699,"sentiment":"positive","sentiment_score":0.43642311294873554},{"text":"I'll leave you to your day.","start":1452.8099,"end":1454.57,"sentiment":"neutral","sentiment_score":0.2462507685025533},{"text":"Hopefully, you have a good relaxing day, and I'll get stuck into this research for you.","start":1454.57,"end":1458.9099,"sentiment":"positive","sentiment_score":0.7016845606267452}],"sentiment":"positive","sentiment_score":0.5315340459346771,"num_words":27,"start":1448.155,"end":1458.9099},{"sentences":[{"text":"My pleasure.","start":1461.785,"end":1462.345,"sentiment":"positive","sentiment_score":0.8017097413539886},{"text":"If there's anything else you need at any point, please let me know.","start":1462.345,"end":1465.325,"sentiment":"neutral","sentiment_score":0.250814818418943},{"text":"I'll also, in the email, just add down the requirements for claiming on TBD.","start":1465.865,"end":1470.365,"sentiment":"neutral","sentiment_score":0.14124911012394087},{"text":"That way when you're at the doctors, you can say this is what I need to be able to claim, and this is where I'm at currently.","start":1470.505,"end":1476.85,"sentiment":"neutral","sentiment_score":0.17603527809734698},{"text":"And then they can sort of help to guide you when that might be appropriate for you.","start":1477.79,"end":1483.31,"sentiment":"neutral","sentiment_score":0.2518215793020585}],"sentiment":"neutral","sentiment_score":0.21747149343359962,"num_words":73,"start":1461.785,"end":1483.31},{"sentences":[{"text":"Okay?","start":1483.31,"end":1483.81,"sentiment":"neutral","sentiment_score":0.08620372414588928},{"text":"Yeah.","start":1484.99,"end":1485.49,"sentiment":"neutral","sentiment_score":0.07989421486854553},{"text":"Alright.","start":1486.4751,"end":1486.9551,"sentiment":"positive","sentiment_score":0.4470888078212738},{"text":"Thanks for your time, Ross.","start":1486.9551,"end":1488.155,"sentiment":"positive","sentiment_score":0.7785286903381348},{"text":"I really appreciate it.","start":1488.155,"end":1489.115,"sentiment":"positive","sentiment_score":0.8618158400058746}],"sentiment":"positive","sentiment_score":0.6627577965458235,"num_words":12,"start":1483.31,"end":1489.115},{"sentences":[{"text":"I hope you have a good relaxing day.","start":1489.115,"end":1491.055,"sentiment":"positive","sentiment_score":0.7753602713346481},{"text":"Thank you.","start":1493.115,"end":1493.5951,"sentiment":"positive","sentiment_score":0.6181749999523163},{"text":"I'll talk to you soon.","start":1493.5951,"end":1494.8151,"sentiment":"neutral","sentiment_score":0.3326860249042511},{"text":"Thanks.","start":1496.395,"end":1496.875,"sentiment":"positive","sentiment_score":0.5350679159164429},{"text":"Bye.","start":1496.875,"end":1497.375,"sentiment":"neutral","sentiment_score":0.29322171211242676}],"sentiment":"positive","sentiment_score":0.5841736425371731,"num_words":17,"start":1489.115,"end":1497.375}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Not too bad. How are you? Yeah. Now that's fine. Yep. Not a problem. That's Kevin Higgins. Seventh and 5th 80. 7th by Court Sinclair. Yeah. Right. Okay. Yep. Thank you. No. You're not. How much was that one? Sorry. Per year? Alright. Okay. All, but not both. So just a quick one. What what is my my cover at the moment for the for the 5,900 per year? What was that? 807? Yes. Could probably manage to that $100 a month at the moment. Yeah. Probably. Well, if I reduce them now because the injury's already happened. So if I reduce them now, I would if this this claim actually goes through, I I wouldn't get that projected amount, would I, for a higher amount at the moment? No. You're alright. I'm just thinking, like, if I if I take it down and I'd go through with this TPD. It's a 187,000 there with I could just put straight back into my super. Yes, please. Yes. Yes. Yes. That that is the problem. Grooming. I don't know. It was it was all to do with pretty much my feet because I can't touch my feet. I can't cut my toenails. Yeah. I now have a a special sock to put her on or a thing because I can't put my socks on by hand. I have to use a a special sock. It's the thing. No. No. No. No. They weren't completed. They don't get complete at the moment. They're not. I was getting help from the insurance company at the time. Now I don't get help from the insurance. So okay. No. Yes. The sun does the dishes. I've got I've got nobody nobody do the lawns. I have to pay somebody to come and do that. So is that so things like like putting my socks on with a a soft putter on or a thing. I don't know what it's called. Is that class is completing? Because I'm using something. It is. Yes. Okay. Gonna eat away before that. So is is there a different cover that I'd be able to take that'd be closer to the definition that would still cover that right now? Yep. Yep. Alright. And if I go down, can I go back up? They won't they wouldn't wanna. Yep. Alright. Well, I'll do that for now. Just we'll if we can just work on the $100 a month. And and yep. No. Well, I'll yeah. What I'll do is I'll I'll speak to the lawyers and whatnot, see what they've got planned. And I'll keep it open for till the end of the year at least So that's when I'll find out exactly what's going on. So it's twelve months after the operation, they said, then I'll then I'll find out what's going on. That's that's supposed to be the full recovery time. Yep. Yeah. I'd say I'd no more at twelve months, but I'm I'm assuming the the insurance company will take this on as long as long as they can, I think? It's the I think it's my lawyers that'll end up just down here, have a payout. Yeah. Because insurance is just a pain in the bum. Move on. It's okay. It is what it is. Thank you very much. Much appreciated. Yep. Nothing next week, actually. I'm I'll be away. Having a holiday. Yeah. Yeah. Yeah. With Suzette and everything, probably 11:00 ish. The following. Not the not next Thursday. Thursday up. Yeah. Beautiful. Not a problem. Thank you very much. Yep. Not a problem. Same with yourself. Same with you. 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Yeah. Not too bad. How are you? Yeah.\n\nNow that's fine. Yep. Not a problem. That's Kevin Higgins. Seventh and 5th 80.\n\n7th by Court Sinclair. Yeah. Right. Okay. Yep.\n\nThank you. No. You're not. How much was that one? Sorry.\n\nPer year? Alright. Okay. All, but not both. So just a quick one.\n\nWhat what is my my cover at the moment for the for the 5,900 per year? What was that? 807? Yes. Could probably manage to that $100 a month at the moment.\n\nYeah. Probably. Well, if I reduce them now because the injury's already happened. So if I reduce them now, I would if this this claim actually goes through, I I wouldn't get that projected amount, would I, for a higher amount at the moment? No.\n\nYou're alright. I'm just thinking, like, if I if I take it down and I'd go through with this TPD. It's a 187,000 there with I could just put straight back into my super. Yes, please. Yes.\n\nYes. Yes. That that is the problem. Grooming. I don't know.\n\nIt was it was all to do with pretty much my feet because I can't touch my feet. I can't cut my toenails. Yeah. I now have a a special sock to put her on or a thing because I can't put my socks on by hand. I have to use a a special sock.\n\nIt's the thing. No. No. No. No.\n\nThey weren't completed. They don't get complete at the moment. They're not. I was getting help from the insurance company at the time. Now I don't get help from the insurance.\n\nSo okay. No. Yes. The sun does the dishes. I've got I've got nobody nobody do the lawns.\n\nI have to pay somebody to come and do that. So is that so things like like putting my socks on with a a soft putter on or a thing. I don't know what it's called. Is that class is completing? Because I'm using something.\n\nIt is. Yes. Okay. Gonna eat away before that. So is is there a different cover that I'd be able to take that'd be closer to the definition that would still cover that right now?\n\nYep. Yep. Alright. And if I go down, can I go back up? They won't they wouldn't wanna.\n\nYep. Alright. Well, I'll do that for now. Just we'll if we can just work on the $100 a month. And and yep.\n\nNo. Well, I'll yeah. What I'll do is I'll I'll speak to the lawyers and whatnot, see what they've got planned. And I'll keep it open for till the end of the year at least So that's when I'll find out exactly what's going on. So it's twelve months after the operation, they said, then I'll then I'll find out what's going on.\n\nThat's that's supposed to be the full recovery time. Yep. Yeah. I'd say I'd no more at twelve months, but I'm I'm assuming the the insurance company will take this on as long as long as they can, I think? It's the I think it's my lawyers that'll end up just down here, have a payout.\n\nYeah. Because insurance is just a pain in the bum. Move on. It's okay. It is what it is.\n\nThank you very much. Much appreciated. Yep. Nothing next week, actually. I'm I'll be away.\n\nHaving a holiday. Yeah. Yeah. Yeah. With Suzette and everything, probably 11:00 ish.\n\nThe following. Not the not next Thursday. Thursday up. Yeah. Beautiful.\n\nNot a problem. Thank you very much. Yep. Not a problem. Same with yourself.\n\nSame with you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.01845594495534897},{"text":"Yeah.","start":5.92,"end":6.08,"sentiment":"neutral","sentiment_score":0.13210368156433103},{"text":"Not too bad.","start":6.08,"end":6.72,"sentiment":"neutral","sentiment_score":0.1918686976035436},{"text":"How are you?","start":6.72,"end":7.62,"sentiment":"neutral","sentiment_score":0.21611050764719644},{"text":"Yeah.","start":24.255001,"end":24.494999,"sentiment":"neutral","sentiment_score":0.07303721457719803}],"sentiment":"neutral","sentiment_score":0.16083716187212202,"num_words":9,"start":0.39999998,"end":24.494999},{"sentences":[{"text":"Now that's fine.","start":24.494999,"end":25.35,"sentiment":"neutral","sentiment_score":0.1266015370686849},{"text":"Yep.","start":34.23,"end":34.55,"sentiment":"neutral","sentiment_score":0.06622727960348129},{"text":"Not a 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moment?","start":480.11502,"end":491.415,"sentiment":"neutral","sentiment_score":-0.27868443246810665},{"text":"No.","start":572.73505,"end":572.97504,"sentiment":"neutral","sentiment_score":-0.23676322400569916}],"sentiment":"neutral","sentiment_score":-0.2878529329266813,"num_words":45,"start":435.125,"end":572.97504},{"sentences":[{"text":"You're alright.","start":572.97504,"end":573.695,"sentiment":"neutral","sentiment_score":-0.17583824321627617},{"text":"I'm just thinking, like, if I if I take it down and I'd go through with this TPD.","start":573.695,"end":585.69,"sentiment":"neutral","sentiment_score":-0.1920595938960711},{"text":"It's a 187,000 there with I could just put straight back into my super.","start":587.51,"end":595.29004,"sentiment":"neutral","sentiment_score":-0.04097986181399652},{"text":"Yes, please.","start":639.09503,"end":639.91504,"sentiment":"neutral","sentiment_score":0.149058498442173},{"text":"Yes.","start":668.96497,"end":669.42,"sentiment":"neutral","sentiment_score":-0.03272403031587601}],"sentiment":"neutral","sentiment_score":-0.11127227771322469,"num_words":37,"start":572.97504,"end":669.42},{"sentences":[{"text":"Yes.","start":690.395,"end":690.895,"sentiment":"neutral","sentiment_score":-0.071755051612854},{"text":"Yes.","start":711.30505,"end":711.625,"sentiment":"neutral","sentiment_score":-0.16155314445495603},{"text":"That that is the problem.","start":711.625,"end":712.92505,"sentiment":"neutral","sentiment_score":-0.27963161170482637},{"text":"Grooming.","start":768.325,"end":768.725,"sentiment":"neutral","sentiment_score":0.02594919316470623},{"text":"I don't know.","start":768.725,"end":769.285,"sentiment":"neutral","sentiment_score":-0.08148472383618355}],"sentiment":"neutral","sentiment_score":-0.1681792029941624,"num_words":11,"start":690.395,"end":769.285},{"sentences":[{"text":"It was it was all to do with pretty much my feet because I can't touch my feet.","start":769.285,"end":776.325,"sentiment":"neutral","sentiment_score":-0.06174048243297471},{"text":"I can't cut my toenails.","start":776.325,"end":777.46497,"sentiment":"neutral","sentiment_score":-0.23754920959472656},{"text":"Yeah.","start":790.06,"end":790.54,"sentiment":"neutral","sentiment_score":0.02178572490811348},{"text":"I now have a a special sock to put her on or a thing because I can't put my socks on by hand.","start":790.54,"end":797.775,"sentiment":"neutral","sentiment_score":0.010178485804277918},{"text":"I have to use a a special sock.","start":797.775,"end":801.155,"sentiment":"neutral","sentiment_score":0.009565784828737378}],"sentiment":"neutral","sentiment_score":-0.03575741008601405,"num_words":55,"start":769.285,"end":801.155},{"sentences":[{"text":"It's the thing.","start":802.895,"end":803.875,"sentiment":"neutral","sentiment_score":0.14941429098447165},{"text":"No.","start":836.85,"end":837.08997,"sentiment":"neutral","sentiment_score":-0.3001544773578644},{"text":"No.","start":837.08997,"end":837.25,"sentiment":"negative","sentiment_score":-0.34134531021118164},{"text":"No.","start":837.25,"end":837.41,"sentiment":"negative","sentiment_score":-0.35924166440963745},{"text":"No.","start":837.41,"end":837.64996,"sentiment":"negative","sentiment_score":-0.37960803508758545}],"sentiment":"neutral","sentiment_score":-0.13315808773040771,"num_words":7,"start":802.895,"end":837.64996},{"sentences":[{"text":"They weren't completed.","start":837.64996,"end":838.63,"sentiment":"negative","sentiment_score":-0.4290513793627421},{"text":"They don't get complete at the moment.","start":840.29,"end":842.21,"sentiment":"negative","sentiment_score":-0.3784015987600599},{"text":"They're not.","start":842.21,"end":842.69,"sentiment":"negative","sentiment_score":-0.40763139724731445},{"text":"I was getting help from the insurance company at the time.","start":842.69,"end":847.57,"sentiment":"negative","sentiment_score":-0.4263390844518488},{"text":"Now I don't get help from the insurance.","start":847.57,"end":849.43,"sentiment":"negative","sentiment_score":-0.4713819772005081}],"sentiment":"negative","sentiment_score":-0.4261939958218605,"num_words":31,"start":837.64996,"end":849.43},{"sentences":[{"text":"So okay.","start":849.49,"end":859.775,"sentiment":"neutral","sentiment_score":-0.08131681755185127},{"text":"No.","start":859.995,"end":860.495,"sentiment":"neutral","sentiment_score":-0.1066555231809616},{"text":"Yes.","start":868.89996,"end":869.3,"sentiment":"neutral","sentiment_score":0.01814435049891472},{"text":"The sun does the dishes.","start":869.3,"end":871.94,"sentiment":"neutral","sentiment_score":0.0301737479865551},{"text":"I've got I've got nobody nobody do the lawns.","start":871.94,"end":874.68,"sentiment":"neutral","sentiment_score":-0.1991671852560507}],"sentiment":"neutral","sentiment_score":-0.1051544852865239,"num_words":18,"start":849.49,"end":874.68},{"sentences":[{"text":"I have to pay somebody to come and do that.","start":876.74,"end":878.775,"sentiment":"negative","sentiment_score":-0.3377546459436417},{"text":"So is that so things like like putting my socks on with a a soft putter on or a thing.","start":954.97003,"end":962.09,"sentiment":"neutral","sentiment_score":-0.03864103294909001},{"text":"I don't know what it's called.","start":962.09,"end":963.39,"sentiment":"neutral","sentiment_score":-0.1691633736093839},{"text":"Is that class is completing?","start":964.535,"end":965.815,"sentiment":"neutral","sentiment_score":-0.016712544485926628},{"text":"Because I'm using something.","start":965.815,"end":967.035,"sentiment":"neutral","sentiment_score":-0.10193933732807636}],"sentiment":"neutral","sentiment_score":-0.12570372070703242,"num_words":45,"start":876.74,"end":967.035},{"sentences":[{"text":"It is.","start":969.89496,"end":970.635,"sentiment":"neutral","sentiment_score":0.03243771381676197},{"text":"Yes.","start":1011.12,"end":1011.62,"sentiment":"neutral","sentiment_score":-0.022683855146169662},{"text":"Okay.","start":1011.68,"end":1012.18,"sentiment":"neutral","sentiment_score":-0.1115730032324791},{"text":"Gonna eat away before that.","start":1034.9701,"end":1036.67,"sentiment":"negative","sentiment_score":-0.5896224200725555},{"text":"So is is there a different cover that I'd be able to take that'd be closer to the definition that would still cover that right now?","start":1047.095,"end":1057.115,"sentiment":"neutral","sentiment_score":-0.08377843321515964}],"sentiment":"neutral","sentiment_score":-0.14844950842005866,"num_words":35,"start":969.89496,"end":1057.115},{"sentences":[{"text":"Yep.","start":1082.735,"end":1083.235,"sentiment":"neutral","sentiment_score":-0.09547336399555206},{"text":"Yep.","start":1093.2999,"end":1093.7999,"sentiment":"neutral","sentiment_score":-0.24330180883407593},{"text":"Alright.","start":1126.25,"end":1126.75,"sentiment":"neutral","sentiment_score":0.0379374697804451},{"text":"And if I go down, can I go back up?","start":1127.635,"end":1129.655,"sentiment":"neutral","sentiment_score":-0.08648121850565076},{"text":"They won't they wouldn't wanna.","start":1137.075,"end":1138.695,"sentiment":"neutral","sentiment_score":-0.15084829032421113}],"sentiment":"neutral","sentiment_score":-0.10666062998481923,"num_words":18,"start":1082.735,"end":1138.695},{"sentences":[{"text":"Yep.","start":1190.615,"end":1191.115,"sentiment":"neutral","sentiment_score":0.14809077978134155},{"text":"Alright.","start":1193.5751,"end":1194.055,"sentiment":"neutral","sentiment_score":0.2092554271221161},{"text":"Well, I'll do that for now.","start":1194.055,"end":1195.655,"sentiment":"neutral","sentiment_score":0.23031345009803772},{"text":"Just we'll if we can just work on the $100 a month.","start":1195.655,"end":1199.13,"sentiment":"neutral","sentiment_score":0.2214296186963717},{"text":"And and yep.","start":1200.15,"end":1205.8501,"sentiment":"neutral","sentiment_score":0.1686961343511939}],"sentiment":"neutral","sentiment_score":0.21315090151746635,"num_words":23,"start":1190.615,"end":1205.8501},{"sentences":[{"text":"No.","start":1222.605,"end":1223.105,"sentiment":"neutral","sentiment_score":-0.2699536681175232},{"text":"Well, I'll yeah.","start":1223.82,"end":1225.0199,"sentiment":"neutral","sentiment_score":-0.2007407248020172},{"text":"What I'll do is I'll I'll speak to the lawyers and whatnot, see what they've got planned.","start":1225.0199,"end":1229.6799,"sentiment":"neutral","sentiment_score":-0.14862042534000733},{"text":"And I'll keep it open for till the end of the year at least So that's when I'll find out exactly what's going on.","start":1232.7799,"end":1241.4149,"sentiment":"neutral","sentiment_score":0.13363885786384344},{"text":"So it's twelve months after the operation, they said, then I'll then I'll find out what's going on.","start":1241.4149,"end":1246.5549,"sentiment":"neutral","sentiment_score":0.02781853483368953}],"sentiment":"neutral","sentiment_score":0.004910208610078645,"num_words":63,"start":1222.605,"end":1246.5549},{"sentences":[{"text":"That's that's supposed to be the full recovery time.","start":1247.495,"end":1250.1549,"sentiment":"neutral","sentiment_score":0.027160279349320464},{"text":"Yep.","start":1272.1749,"end":1272.6749,"sentiment":"neutral","sentiment_score":0.13486558198928833},{"text":"Yeah.","start":1273.615,"end":1274.115,"sentiment":"neutral","sentiment_score":0.0809897780418396},{"text":"I'd say I'd no more at twelve months, but I'm I'm assuming the the insurance company will take this on as long as long as they can, I think?","start":1294.865,"end":1304.145,"sentiment":"neutral","sentiment_score":-0.04891346700104146},{"text":"It's the I think it's my lawyers that'll end up just down here, have a payout.","start":1304.145,"end":1307.845,"sentiment":"neutral","sentiment_score":0.02033618072164245}],"sentiment":"neutral","sentiment_score":-0.011300246023373412,"num_words":56,"start":1247.495,"end":1307.845},{"sentences":[{"text":"Yeah.","start":1311.6,"end":1311.92,"sentiment":"neutral","sentiment_score":-0.035010043531656265},{"text":"Because insurance is just a pain in the bum.","start":1311.92,"end":1314.42,"sentiment":"neutral","sentiment_score":-0.3069960143831041},{"text":"Move on.","start":1320.775,"end":1321.515,"sentiment":"neutral","sentiment_score":-0.02505507878959179},{"text":"It's okay.","start":1328.855,"end":1329.515,"sentiment":"neutral","sentiment_score":-0.020776884630322456},{"text":"It is what it is.","start":1330.375,"end":1331.595,"sentiment":"neutral","sentiment_score":-0.004519899189472198}],"sentiment":"neutral","sentiment_score":-0.15327566293509384,"num_words":19,"start":1311.6,"end":1331.595},{"sentences":[{"text":"Thank you very much.","start":1345.15,"end":1346.03,"sentiment":"positive","sentiment_score":0.7747668474912643},{"text":"Much appreciated.","start":1346.03,"end":1346.77,"sentiment":"positive","sentiment_score":0.748257040977478},{"text":"Yep.","start":1372.67,"end":1373.17,"sentiment":"neutral","sentiment_score":0.13627156615257263},{"text":"Nothing next week, actually.","start":1390.865,"end":1392.325,"sentiment":"neutral","sentiment_score":-0.09140743874013424},{"text":"I'm I'll be away.","start":1392.385,"end":1393.685,"sentiment":"neutral","sentiment_score":-0.10812737047672272}],"sentiment":"neutral","sentiment_score":0.26224758674701054,"num_words":15,"start":1345.15,"end":1393.685},{"sentences":[{"text":"Having a holiday.","start":1396.1,"end":1396.92,"sentiment":"neutral","sentiment_score":0.24811020493507385},{"text":"Yeah.","start":1400.02,"end":1400.52,"sentiment":"neutral","sentiment_score":0.24689939618110657},{"text":"Yeah.","start":1404.1,"end":1404.6,"sentiment":"neutral","sentiment_score":0.028701864182949063},{"text":"Yeah.","start":1404.74,"end":1405.24,"sentiment":"neutral","sentiment_score":0.061503563076257706},{"text":"With Suzette and everything, probably 11:00 ish.","start":1412.125,"end":1414.945,"sentiment":"neutral","sentiment_score":0.043465571478009224}],"sentiment":"neutral","sentiment_score":0.1065918798916615,"num_words":13,"start":1396.1,"end":1414.945},{"sentences":[{"text":"The following.","start":1418.365,"end":1419.025,"sentiment":"neutral","sentiment_score":0.0005884428974241018},{"text":"Not the not next Thursday.","start":1419.965,"end":1421.165,"sentiment":"neutral","sentiment_score":-0.013764161709696054},{"text":"Thursday up.","start":1421.165,"end":1422.065,"sentiment":"neutral","sentiment_score":0.02605298813432455},{"text":"Yeah.","start":1425.29,"end":1425.79,"sentiment":"neutral","sentiment_score":0.09813131392002106},{"text":"Beautiful.","start":1428.25,"end":1428.75,"sentiment":"positive","sentiment_score":0.49603062868118286}],"sentiment":"neutral","sentiment_score":0.052602181465110996,"num_words":11,"start":1418.365,"end":1428.75},{"sentences":[{"text":"Not a problem.","start":1459.57,"end":1460.37,"sentiment":"positive","sentiment_score":0.5484620134035746},{"text":"Thank you very much.","start":1460.37,"end":1461.4299,"sentiment":"positive","sentiment_score":0.846352681517601},{"text":"Yep.","start":1483.9,"end":1484.4,"sentiment":"neutral","sentiment_score":0.08167566359043121},{"text":"Not a problem.","start":1484.86,"end":1485.68,"sentiment":"neutral","sentiment_score":0.19755471497774124},{"text":"Same with yourself.","start":1491.647,"end":1492.627,"sentiment":"positive","sentiment_score":0.5805767476558685}],"sentiment":"positive","sentiment_score":0.5319190584123135,"num_words":14,"start":1459.57,"end":1492.627},{"sentences":[{"text":"Same with you.","start":1493.802,"end":1496.2269,"sentiment":"neutral","sentiment_score":0.2991274098555247},{"text":"Bye.","start":1497.887,"end":1498.387,"sentiment":"neutral","sentiment_score":-0.1181175634264946}],"sentiment":"neutral","sentiment_score":0.19481616653501987,"num_words":4,"start":1493.802,"end":1498.387}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Ross. It's Dana from Oakley Financial. How are you this morning?\n\nChannel 1: Yeah. Not too bad. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in originally to go through your updated advice document. I do unfortunately not have it ready, but I still wanted to have the conversation with you because there's a few things I need to go through with regards to the research I've completed. Is now still gonna be a good time?\n\nChannel 1: Yeah. Now that's fine.\n\nChannel 0: Yep. Fantastic. Before I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Lovely. And just to do security, I just need to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: That's Kevin Higgins. Seventh\n\nChannel 0: Yep.\n\nChannel 1: and 5th 80. 7th by Court Sinclair.\n\nChannel 0: Beautiful. Thank you so much there, Ross. Now I had completed all the research I needed to on looking at the advice for you. So last time we spoke, we talked about reducing your risk level a little bit with no contributions going in and trying to sort of protect your suit for a little bit there.\n\nChannel 1: Yeah.\n\nChannel 0: I've had a really good look at the research in your current position and by reducing your risk. And because your insurance premiums are really high, it's honestly over the next five to ten years, every scenario is essentially coming out that it's gonna eat away your super. It's just showing a depletion. Even staying in the same current portfolio, the high growth environment, and keeping your insurance premiums the same, because the insurance premiums are quite high. So at the moment, your insurance premiums are about 5,900.\n\nSo what's coming out of super is a bit over 5,000. It looks like that is eating away all the growth plus the fees you pay for the super over the next five to ten years. All the projections are coming out that you'll only end up with a bit over 40,000 in super. It's all just been eaten away. I do not want that by any means, so I wanted to sort of have a conversation with you because I know you're trying to claim on your TBD as well and would like to be able to claim on TBD.\n\nBut I just wanted to sort of see if there's a way we can look at maybe making these premiums a bit cheaper for you as well because, you know, I wanna make sure you can claim on something and still get something when you're able to claim, but I'm just really worried that the premiums plus the fees and your super with no contributions going in, I'm really worried that you're not gonna end up with any super left over, and I wanna do everything I can to prevent that for you.\n\nChannel 1: Right. Okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Thank\n\nChannel 0: I'm\n\nChannel 1: you.\n\nChannel 0: so sorry. It's not the conversation that you were hoping for, and I do apologize.\n\nChannel 1: No. You're not.\n\nChannel 0: With the current level of cover you have, you have 687,000 of life and TBD there at the moment. If you were to just reduce that down to 500,000 even, we can reduce the insurance premium to 4,344. So it is saving you a bit more in premiums there. That's $4.03 $4.04 $6.03. So it's saving you about $1,600 for the first year in insurance premium.\n\nOr if you were okay to and this is pretty big and drastic change, but I wanted to give you the option. If you were to look at reducing your cover, your life and TPD to 250,000, it actually saves you a lot more, and it reduces your insurance premiums $2,514.54. So it saves you $3,400 for the year.\n\nChannel 1: How much was that one? Sorry. Per year?\n\nChannel 0: The premium, $2,514.\n\nChannel 1: Alright. Okay.\n\nChannel 0: And that pays out 250,000 in the event of a life or TBD claim.\n\nChannel 1: All, but not\n\nChannel 0: Yeah.\n\nChannel 1: both.\n\nChannel 0: Well, it's with TBD, it pays out the TBD benefit. We attach the life. So if you claim on TBD within twelve months after the claim, your life component is reinstated for you. So you will be able to claim with a life cover eventually as well. But, yeah, it doesn't it doesn't pay out the life and TPD in one lump sum.\n\nYou just get that $2.50. Or if you reduce the the sum insured to 500,000, then it just pays out that 500,000, essentially. But you can also claim your super on top of that to give you an additional benefit. But I just wanted to I didn't wanna sort of sugarcoat it in any way. I just wanted to be honest with you and let you know this is what I'm seeing, and this is quite concerning.\n\nAs your adviser, I don't want to, you know, I don't want your super to go backwards, and I don't want you to lose everything that you've worked so hard for. So I just wanted to sort of find out what your thoughts were and what what your goals are and, you know, how things are going for you as well.\n\nChannel 1: So just a quick one. What what is my my cover at the moment for the for the 5,900 per year? What was that? 807?\n\nChannel 0: Mhmm. Yeah. So 687,000. Yeah. And these premiums do get more and more expensive every year.\n\nSo the biggest factor and why it's gonna deplete your super is that as you get older and closer to the with the risk of claiming, the way the insurance premiums are set is they do get more expensive. The ATO eats away more and more.\n\nChannel 1: Yes.\n\nChannel 0: With the projections, I've been able to do up. The growth is great. So in a high growth portfolio and even in the balanced growth portfolio, we've been able to obtain about 11% return with the projected outcome, but it's all been eaten away by your insurance premiums. It's and with no money going in. The only other thing I could consider would be looking if you're comfortable because you are 46.\n\nYou know, realistically, you still got a bit of time ahead of you. If you're comfortable taking more risks, staying in that high growth environment, is there any way you could put some additional contributions in the if we were to look at, you know, $50 a week or a $100 a month or something to see if that could help your grow? Is there any way that that would work, or is your expenses just not allowed for that in any way, shape, or form?\n\nChannel 1: Could probably manage to that $100 a month at the moment.\n\nChannel 0: A $100 a month? Yep. Okay. Because I can run the projections for you with a $100 per month to see if that helps. Yeah.\n\nAnd are you comfortable I know we sort of talked about lowering the risk level. Are you comfortable if I was to keep you in that high growth portfolio longer? I know you're taking more risk as something I would, you know, if you're not really able to contribute or with the way your health is, would realistically prefer you not do. But if it's helping you so far and we're kind of catching up every couple of months to see how things are tracking, are you comfortable taking on a bit more risk in the market staying in that high growth environment?\n\nChannel 1: Yeah. Probably.\n\nChannel 0: Yeah. If not, I will have a look at adding the contributions in and also reducing the risk to see what I can do as well. I'm just gonna run all these projections again to see what it looks like, how it looks. I've looked at every super fund, every portfolio, all these different options. We've run about 30 different projections for you at the moment.\n\nBut I just don't like it depleting your super because you don't need that. You don't deserve that. You've worked really hard to this point. With your insurances, did you really wanna keep them at the same level, or are you comfortable maybe just reducing them back a little bit to make them cheaper? What's your thoughts, Russ?\n\nChannel 1: Well, if I reduce them now because the injury's already happened. So if I reduce them now, I would if this this claim actually goes through, I I wouldn't get that projected amount, would I, for a higher\n\nChannel 0: No.\n\nChannel 1: amount at the moment?\n\nChannel 0: Correct. So if we'd look to reduce it back, it does reduce the amount you're able to claim back to, you know, 5 I would honestly just be looking to try and reduce it back to 500,000 to start with. It's a lesser of a reduction. But every year so with your insurance premiums, you do have indexation, which means that each year that you go through renewal, and your renewal your renewal date here is where is it? Renewal date.\n\nPolicy started. Oh, it doesn't tell me on this one. But each year, it does go through renewal periods, and it indexes. So your sum insured will increase back each year. It will take time to get to the same level, But with you paying about 5,000 now for the premiums, they're only gonna keep getting more and more expensive each year.\n\nSo it's just a matter of whether you decrease it back just a little bit now to save some money now or whether we keep it at the same level and try to pump a bit more money into super and take a bit more risk to try and alleviate what's happening with the premium. Yeah. Sorry.\n\nChannel 1: No. You're alright. I'm\n\nChannel 0: Not\n\nChannel 1: just\n\nChannel 0: at\n\nChannel 1: thinking, like,\n\nChannel 0: all. What\n\nChannel 1: if I\n\nChannel 0: I've\n\nChannel 1: if I take it down\n\nChannel 0: Yep.\n\nChannel 1: and I'd go through with this TPD. It's a 187,000 there with I could\n\nChannel 0: It\n\nChannel 1: just put straight\n\nChannel 0: is.\n\nChannel 1: back into\n\nChannel 0: It is.\n\nChannel 1: my super.\n\nChannel 0: Yeah. Did you want me just to try and run the projections keeping the insurances the same and keeping you in that high growth environment? I'll look at the the the best kind of way to structure the portfolio. So we're we're in high growth. We're getting good returns, but we're, you know, limiting the the risk as much as possible.\n\nWe contribute a $100 on a monthly basis in the super to try and help because that $100 on a monthly basis, that's $1,200 per year. That will, you know, alleviate some of the stress and sort of see what that looks like over the next couple of years. Did you want me just to run that to start with?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Okay. Beautiful. I'll do that. What I can do is once I've got that projection, I can email it through to you to have a bit of a look if you like, and then we can always touch base.\n\nI just wanna try and make sure that your soup is working the best it can for you. It's just that everything I've run so far just looks like it was eating your sleep away, and that was not putting you in any good positions down the track at all. So\n\nChannel 1: Yes.\n\nChannel 0: yeah. I did also have a quick look at all the doctor's reports and things like that. So I can see where the claim did sort of fall down. I can see with the ADL assessment, you do have a lot of trouble standing and sitting for long periods of time, don't you?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And even walking. Like, the report, he noted that it was you were only able to tolerate about fifteen minutes of walking prior to having to rotate your position and alter and sit down, essentially. So it looks like you do are in quite a lot of pain still.\n\nChannel 1: Yes. That that is the problem.\n\nChannel 0: Yeah. Yeah. So with the ADL definition for TBD, I noted here with the the way the report had come back, it noted that with they had the tasks, and they note dressing, grooming, eating, and preparing meals, and showering as the main ones. And then they noted here that you still had you were still independent in acting in all those areas. So it did state that with regard to showering, you did have some difficulty and some pain in your lower back, but you were still able to complete showering, eating primarily independently, grooming tasks, reported no concerns, and\n\nChannel 1: Grooming. I don't know. It was it was all to do with pretty much my feet\n\nChannel 0: alright.\n\nChannel 1: because\n\nChannel 0: Okay.\n\nChannel 1: I can't\n\nChannel 0: Yeah.\n\nChannel 1: touch my feet. I can't cut my toenails.\n\nChannel 0: Yeah. And dressing, it did say here that you were able to dress independently. However, it was reported to be sitting down to attend lower body to minimize the degree of bending required.\n\nChannel 1: Yeah. I now\n\nChannel 0: So\n\nChannel 1: have\n\nChannel 0: that's\n\nChannel 1: a a special sock to put her on or a thing because\n\nChannel 0: okay.\n\nChannel 1: I can't put my socks on by hand. I have to use\n\nChannel 0: Yeah.\n\nChannel 1: a a special sock.\n\nChannel 0: Yep. Yep.\n\nChannel 1: It's the thing.\n\nChannel 0: Absolutely. And then the report goes into a bit more detail around the other activities of daily living, so dusting, vacuuming, sweeping floors, cleaning kitchens cleaning the kitchen and the cupboards, cleaning the bathroom, mowing lawns, cleaning kitchen counters, washing dishes, cleaning ovens, and emptying bins. And it noted here that tasks were shared and completed with your wife, and some were completed by your son. You had impaired ability as well on some\n\nChannel 1: No.\n\nChannel 0: of these.\n\nChannel 1: No. No. No. They weren't completed.\n\nChannel 0: Yeah.\n\nChannel 1: They don't\n\nChannel 0: So\n\nChannel 1: get\n\nChannel 0: he\n\nChannel 1: complete at the moment. They're not. I was getting help from the insurance company at the time. Now I don't\n\nChannel 0: okay.\n\nChannel 1: get help from the insurance. So\n\nChannel 0: Oh, because the report here says mister Higgins advised task was completed by son.\n\nChannel 1: okay. No.\n\nChannel 0: Yeah. And that was for cleaning the kitchen counters and washing the dishes.\n\nChannel 1: Yes. The sun does the\n\nChannel 0: Okay. Perfect.\n\nChannel 1: dishes. I've got I've\n\nChannel 0: Perfect.\n\nChannel 1: got nobody nobody do the lawns.\n\nChannel 0: Yep.\n\nChannel 1: I have to pay somebody to come and do that.\n\nChannel 0: Okay. Yeah. So there's there's a lot to this report. I can just sorta I do see where it kind of did come back to. But when we are looking to claim on TBD, what we essentially need to be able to do, we need to not be able to complete generally two to three of those five different tasks.\n\nSo when you look at, you know, dressing, showering, grooming, preparing meals, cleaning the house, driving, things like that, those daily activities, they need you to not be able to complete essentially two to three of those five, which is a a harder definition to to meet, admittedly. But with where you're at and with what the report shows, there is a real chance that down the track, you'll be able to claim on this. It just comes into a matter of when, and I would probably as you're going back to the doctor and having a specialist, if you can have a chat to them and kinda just say this is where I'm at, they'll be able to help determine when this claim can be resubmitted for you. Okay?\n\nChannel 1: So is that so things like like putting my socks on with a a soft putter on or a thing. I don't know\n\nChannel 0: Mhmm.\n\nChannel 1: what it's called.\n\nChannel 0: Mhmm.\n\nChannel 1: Is that class is completing? Because I'm using something.\n\nChannel 0: Yeah. It is. Yeah.\n\nChannel 1: It\n\nChannel 0: So\n\nChannel 1: is.\n\nChannel 0: this report was done up by the rehab management people. So they're looking to show that you need someone to put your socks on, help you put your shirt and pants on, that you're, you know, struggling to to sit down and eat your food, that someone might be, you know, either feeding you. You might require help showering. Someone might have to be there to support you showering, things like that. They're actually looking for the point where you're unable to do all these sorts of actions on your own, and you require assistance to do those.\n\nAnd that's when the ADL definition becomes a lot more prevalent, if that makes sense.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yeah. It's it's it's a really hard definition to claim on. I'm really sorry about that. But I wanna make sure that, you know, down the track, when you're able to, when the claim is here, that you're able to claim on because, yeah, you have paid these premiums, and they're not cheap in any way, shape, or form. So I think you deserve to claim on the cover when so.\n\nBut I also just I'm worried that it's you know, the premiums\n\nChannel 1: Gonna eat\n\nChannel 0: as\n\nChannel 1: away\n\nChannel 0: they\n\nChannel 1: before\n\nChannel 0: get more\n\nChannel 1: that.\n\nChannel 0: correct. Yeah. I don't want you to end up with no super as well because then all your hard work, you know, you've gone down the drain there as well. So I don't want that for you.\n\nChannel 1: So is is there a different cover that I'd be able to take that'd be closer to the definition that would still cover that right now?\n\nChannel 0: Not really. We would only be able to apply for any occupation TBD. And because you're currently not working on a workers' compensation claim, they will they won't allow you to apply for new cover. They'll want that claim to be completed. When applying for insurance, the insurers are looking at the risk of you making a claim.\n\nAnd because of where you're at, the risk of you making a claim is a lot higher. So they'll\n\nChannel 1: Yep.\n\nChannel 0: look at, you know, the workers' compensation claim and go, well, hey. If we put this policy in place now, you know, in a few months' time, you may be able to claim on that. That's the risk\n\nChannel 1: Yep.\n\nChannel 0: to the insurer that they are not not normally willing to take. So keeping the cover that you have at the moment is the best way forward currently, but, admittedly, the definitions aren't great. It is extremely expensive, and it's just sort of up to you what you want us to whether you keep the cover at the same amount or whether we just reduce it back a little bit, still keeping the cover in play. It's just that we're reducing the sum insured slightly to kind of reduce the cost on your super a little bit.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: And if\n\nChannel 0: Sorry.\n\nChannel 1: I go down,\n\nChannel 0: Some\n\nChannel 1: can I\n\nChannel 0: difficult\n\nChannel 1: go back up?\n\nChannel 0: you can. However, you do have to apply to increase it. And because you've got this injury now, they will\n\nChannel 1: They\n\nChannel 0: exclude\n\nChannel 1: won't\n\nChannel 0: on\n\nChannel 1: they\n\nChannel 0: any\n\nChannel 1: wouldn't wanna.\n\nChannel 0: increase. They correct. They'll exclude any preexisting injuries on an increase on the application. Decreasing is easy because there's no application to do so. It's just telling them to decrease the sum insured, and they'll decrease the premium.\n\nIf you've gone through renewal, they refund you the difference back. However, to then increase it back, you have to go back to an application, and that is the risk we take when we decrease insurances. So it's not something I can decide for you. It's gotta be something that you're comfortable with. The alternative is we keep the cover the same.\n\nI'm happy to look at the $100 on a monthly basis, and we just try to contribute as much as we possibly can to super to kind of keep the money going in to build it up to cover the cost of the premium, but it's also down to your expenditure.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Well, I'll do that for now. Just we'll if we can just work on the $100 a month.\n\nChannel 0: Yeah. Yep. Yep.\n\nChannel 1: And\n\nChannel 0: And you're\n\nChannel 1: and\n\nChannel 0: happy to just keep the insurances as they are for the moment, and I'll do the projections?\n\nChannel 1: yep.\n\nChannel 0: Yep. Okay. Not a problem at all. I'm so sorry the conversation wasn't great, but I wanted to make sure I was honest with you. I don't want to give you a plan that says, hey.\n\nIn ten years' time, I didn't expect you to have $40,000. That's not a great plan. That's not putting you in a good position in any way, shape, or form. So,\n\nChannel 1: No. Well, I'll yeah. What I'll do is I'll I'll speak to the lawyers and whatnot,\n\nChannel 0: yeah,\n\nChannel 1: see what they've got planned. And I'll keep it open for till the end of the year at least\n\nChannel 0: Yep.\n\nChannel 1: So that's when I'll find out exactly what's going on. So it's twelve months after the operation, they said, then I'll then I'll find out what's going on.\n\nChannel 0: Okay.\n\nChannel 1: That's that's supposed to be the full recovery time.\n\nChannel 0: Okay. Beautiful. For twelve months. So what I might even do sorry. With the with the advice document, I might just limit the projections to say one to two to five years just to sort of see where we are in the shorter term because then we know we can always update the advice.\n\nWe can always look at things again in a few months' time when you've met that twelve months. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And has the so you've got that twelve months coming up for the lawyers. Has workers' compensation sort of put out anything with regard to doing a bit of a payout? Have they sort of had that had a talk about where they're going with that at the moment, or is that all gonna happen when you to twelve months?\n\nChannel 1: I'd say I'd no more at twelve months, but\n\nChannel 0: Okay.\n\nChannel 1: I'm I'm assuming the the insurance company will take this on as long as long as they can, I think? It's the\n\nChannel 0: Yes.\n\nChannel 1: I think it's my lawyers that'll end up just down here, have a\n\nChannel 0: Yep.\n\nChannel 1: payout. Yeah. Because insurance is just a pain in the bum.\n\nChannel 0: It really is. It really is. And you've got so much going on, and all you wanna do is, you know, work\n\nChannel 1: Move\n\nChannel 0: and\n\nChannel 1: on.\n\nChannel 0: live and survive. Yeah. Yeah. I'm so sorry you're going through all this, Ross. It's a lot.\n\nChannel 1: It's okay. It is what it is.\n\nChannel 0: Yeah. Yeah. Well, I promise I will look after you here, and I'll look after you, And I'll have every tough conversation, and I'll do every projection I possibly can to see how I can put you in a better position and keep things working for you. Okay?\n\nChannel 1: Thank you very much. Much appreciated.\n\nChannel 0: That's okay. Again, I'm so sorry it wasn't the best conversation, but I I I I'm an honest person. I feel it's better to be honest and talk things through with you than to just say, here's a projection. Your sleep is gonna deplete. It's what it is.\n\nI'd rather find a way to fight for you. And as, you know, as an adviser, we have a fiduciary duty to look after our clients and work in your best interest and put that above everything else. So\n\nChannel 1: Yep.\n\nChannel 0: it's important that I do have these conversations with you. But if it's okay, I've rebooked you in for next Thursday if it's at all possible just to maybe, hopefully, have this advice document completed and re have that ready to present. Would 10:30 next Thursday be okay for you?\n\nChannel 1: Nothing next week, actually. I'm I'll be\n\nChannel 0: Okay.\n\nChannel 1: away.\n\nChannel 0: Okay. That's fine.\n\nChannel 1: Having a holiday.\n\nChannel 0: What's oh, will you enjoy that? That's\n\nChannel 1: Yeah.\n\nChannel 0: you deserve it. What about the following week?\n\nChannel 1: Yeah.\n\nChannel 0: I've got\n\nChannel 1: Yeah.\n\nChannel 0: plenty of time the following week. When would sort of suit you to run through that one?\n\nChannel 1: With Suzette and everything, probably 11:00 ish.\n\nChannel 0: Next Thursday or any day?\n\nChannel 1: The following.\n\nChannel 0: The\n\nChannel 1: Not the\n\nChannel 0: following\n\nChannel 1: not next\n\nChannel 0: Thursday?\n\nChannel 1: Thursday. Thursday up.\n\nChannel 0: Yep. Perfect. That's the May 14, and I'll pop it in there\n\nChannel 1: Yeah.\n\nChannel 0: for 11AM there for you that day. Okay?\n\nChannel 1: Beautiful.\n\nChannel 0: Beautiful. Thank you so much for that. I'll let you go. I'll go back to looking at everything and doing those projections. I will probably just send you an email today with an updated projection to sort of show you where this might be tracking.\n\nAnd if it's still depleting your super, we can always come back and look at what else we can do. Okay? Okay. All good, Russell. I'll leave you to your day.\n\nHopefully, you have a good relaxing day, and I'll get stuck into this research for you.\n\nChannel 1: Not a problem. Thank you very much.\n\nChannel 0: My pleasure. If there's anything else you need at any point, please let me know. I'll also, in the email, just add down the requirements for claiming on TBD. That way when you're at the doctors, you can say this is what I need to be able to claim, and this is where I'm at currently. And then they can sort of help to guide you when that might be appropriate for you.\n\nOkay?\n\nChannel 1: Yep. Not\n\nChannel 0: Yeah.\n\nChannel 1: a problem.\n\nChannel 0: Alright. Thanks for your time, Ross. I really appreciate it. I hope you have a good relaxing day.\n\nChannel 1: Same with yourself.\n\nChannel 0: Thank you. I'll talk\n\nChannel 1: Same\n\nChannel 0: to you soon.\n\nChannel 1: with you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.01845594495534897}],"sentiment":"neutral","sentiment_score":0.01845594495534897,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hi, Ross.","start":2.32,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.09501664713025093},{"text":"It's Dana from Oakley Financial.","start":2.8799999,"end":4.48,"sentiment":"neutral","sentiment_score":0.13380597680807113},{"text":"How are you this morning?","start":4.48,"end":5.62,"sentiment":"neutral","sentiment_score":0.20556694865226746}],"sentiment":"neutral","sentiment_score":0.15724149346351624,"channel":0,"num_words":12,"start":2.32,"end":5.62},{"sentences":[{"text":"Yeah.","start":5.92,"end":6.08,"sentiment":"neutral","sentiment_score":0.13210368156433103},{"text":"Not too bad.","start":6.08,"end":6.72,"sentiment":"neutral","sentiment_score":0.1918686976035436},{"text":"How are you?","start":6.72,"end":7.62,"sentiment":"neutral","sentiment_score":0.21611050764719644}],"sentiment":"neutral","sentiment_score":0.19372018533093588,"channel":1,"num_words":7,"start":5.92,"end":7.62},{"sentences":[{"text":"I'm very well.","start":7.7599998,"end":8.72,"sentiment":"positive","sentiment_score":0.4951444963614146},{"text":"Thank you.","start":8.72,"end":9.28,"sentiment":"positive","sentiment_score":0.6297632157802582},{"text":"I had you booked in originally to go through your updated advice document.","start":9.28,"end":12.74,"sentiment":"neutral","sentiment_score":0.15451431618287012},{"text":"I do unfortunately not have it ready, but I still wanted to have the conversation with you because there's a few things I need to go through with regards to the research I've completed.","start":13.495,"end":21.994999,"sentiment":"neutral","sentiment_score":0.01465989276766777},{"text":"Is now still gonna be a good time?","start":22.135,"end":23.994999,"sentiment":"neutral","sentiment_score":0.15313521958887577}],"sentiment":"neutral","sentiment_score":0.1079527356972297,"channel":0,"num_words":60,"start":7.7599998,"end":23.994999},{"sentences":[{"text":"Yeah.","start":24.255001,"end":24.494999,"sentiment":"neutral","sentiment_score":0.07303721457719803},{"text":"Now that's fine.","start":24.494999,"end":25.35,"sentiment":"neutral","sentiment_score":0.1266015370686849}],"sentiment":"neutral","sentiment_score":0.11321045644581318,"channel":1,"num_words":4,"start":24.255001,"end":25.35},{"sentences":[{"text":"Yep.","start":25.8,"end":26.039999,"sentiment":"neutral","sentiment_score":0.2106623351573944},{"text":"Fantastic.","start":26.039999,"end":26.539999,"sentiment":"positive","sentiment_score":0.5316030979156494},{"text":"Before I jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":27.0,"end":31.8,"sentiment":"neutral","sentiment_score":0.1162940850076468},{"text":"Are you happy for me to proceed with that?","start":31.8,"end":33.98,"sentiment":"neutral","sentiment_score":0.14205532686577904}],"sentiment":"neutral","sentiment_score":0.13810374500120387,"channel":0,"num_words":34,"start":25.8,"end":33.98},{"sentences":[{"text":"Yep.","start":34.23,"end":34.55,"sentiment":"neutral","sentiment_score":0.06622727960348129},{"text":"Not a problem.","start":34.55,"end":35.37,"sentiment":"neutral","sentiment_score":0.17798090974489847}],"sentiment":"neutral","sentiment_score":0.15004250220954418,"channel":1,"num_words":4,"start":34.23,"end":35.37},{"sentences":[{"text":"Lovely.","start":35.72,"end":36.199997,"sentiment":"positive","sentiment_score":0.3571726679801941},{"text":"And just to do security, I just need to confirm your full name, date of birth, and address I should have on file.","start":36.199997,"end":41.34,"sentiment":"neutral","sentiment_score":0.08986581554231436}],"sentiment":"neutral","sentiment_score":0.10100360106055935,"channel":0,"num_words":24,"start":35.72,"end":41.34},{"sentences":[{"text":"That's Kevin Higgins.","start":42.005,"end":43.065,"sentiment":"neutral","sentiment_score":0.03066901055475076},{"text":"Seventh","start":43.445,"end":43.765,"sentiment":"neutral","sentiment_score":0.01988937333226204}],"sentiment":"neutral","sentiment_score":0.02797410124912858,"channel":1,"num_words":4,"start":42.005,"end":43.765},{"sentences":[{"text":"Yep.","start":43.685,"end":44.185,"sentiment":"neutral","sentiment_score":0.024797139689326286}],"sentiment":"neutral","sentiment_score":0.024797139689326286,"channel":0,"num_words":1,"start":43.685,"end":44.185},{"sentences":[{"text":"and 5th 80.","start":43.765,"end":44.565,"sentiment":"neutral","sentiment_score":0.025134706248839695},{"text":"7th by Court Sinclair.","start":44.565,"end":45.864998,"sentiment":"neutral","sentiment_score":0.027423770166933537}],"sentiment":"neutral","sentiment_score":0.02644274277346475,"channel":1,"num_words":7,"start":43.765,"end":45.864998},{"sentences":[{"text":"Beautiful.","start":46.245,"end":46.745,"sentiment":"positive","sentiment_score":0.45094960927963257},{"text":"Thank you so much there, Ross.","start":46.885,"end":48.585,"sentiment":"positive","sentiment_score":0.5569261809190115},{"text":"Now I had completed all the research I needed to on looking at the advice for you.","start":48.885,"end":54.004997,"sentiment":"neutral","sentiment_score":0.07648182090590983},{"text":"So last time we spoke, we talked about reducing your risk level a little bit with no contributions going in and trying to sort of protect your suit for a little bit there.","start":54.004997,"end":62.17,"sentiment":"neutral","sentiment_score":-0.018138927774447384}],"sentiment":"neutral","sentiment_score":0.07884408830942814,"channel":0,"num_words":57,"start":46.245,"end":62.17},{"sentences":[{"text":"Yeah.","start":62.69,"end":63.19,"sentiment":"neutral","sentiment_score":-0.05382617190480232}],"sentiment":"neutral","sentiment_score":-0.05382617190480232,"channel":1,"num_words":1,"start":62.69,"end":63.19},{"sentences":[{"text":"I've had a really good look at the research in your current position and by reducing your risk.","start":63.19,"end":68.265,"sentiment":"neutral","sentiment_score":-0.011706178180045552},{"text":"And because your insurance premiums are really high, it's honestly over the next five to ten years, every scenario is essentially coming out that it's gonna eat away your super.","start":68.345,"end":80.025,"sentiment":"negative","sentiment_score":-0.34019193251927693},{"text":"It's just showing a depletion.","start":80.025,"end":81.485,"sentiment":"negative","sentiment_score":-0.4673358857631683},{"text":"Even staying in the same current portfolio, the high growth environment, and keeping your insurance premiums the same, because the insurance premiums are quite high.","start":83.36,"end":93.36,"sentiment":"neutral","sentiment_score":-0.2848053556680679},{"text":"So at the moment, your insurance premiums are about 5,900.","start":93.36,"end":99.034996,"sentiment":"neutral","sentiment_score":-0.25464972108602524}],"sentiment":"neutral","sentiment_score":-0.254770224024965,"channel":0,"num_words":88,"start":63.19,"end":99.034996},{"sentences":[{"text":"So what's coming out of super is a bit over 5,000.","start":99.034996,"end":101.695,"sentiment":"negative","sentiment_score":-0.34353864734823053},{"text":"It looks like that is eating away all the growth plus the fees you pay for the super over the next five to ten years.","start":102.715,"end":110.735,"sentiment":"negative","sentiment_score":-0.40811794996261597},{"text":"All the projections are coming out that you'll only end up with a bit over 40,000 in super.","start":111.07001,"end":115.87,"sentiment":"neutral","sentiment_score":-0.2739568617608812},{"text":"It's all just been eaten away.","start":115.87,"end":117.57001,"sentiment":"negative","sentiment_score":-0.7663445572058359},{"text":"I do not want that by any means, so I wanted to sort of have a conversation with you because I know you're trying to claim on your TBD as well and would like to be able to claim on TBD.","start":118.75,"end":128.955,"sentiment":"neutral","sentiment_score":-0.1291252730368841}],"sentiment":"neutral","sentiment_score":-0.2852009992013768,"channel":0,"num_words":101,"start":99.034996,"end":128.955},{"sentences":[{"text":"But I just wanted to sort of see if there's a way we can look at maybe making these premiums a bit cheaper for you as well because, you know, I wanna make sure you can claim on something and still get something when you're able to claim, but I'm just really worried that the premiums plus the fees and your super with no contributions going in, I'm really worried that you're not gonna end up with any super left over, and I wanna do everything I can to prevent that for you.","start":130.535,"end":154.48999,"sentiment":"neutral","sentiment_score":-0.08475569018753626}],"sentiment":"neutral","sentiment_score":-0.08475569018753626,"channel":0,"num_words":93,"start":130.535,"end":154.48999},{"sentences":[{"text":"Right.","start":155.305,"end":155.625,"sentiment":"neutral","sentiment_score":0.0017981119453907013},{"text":"Okay.","start":155.625,"end":156.105,"sentiment":"neutral","sentiment_score":0.05697864294052124},{"text":"Yep.","start":156.105,"end":156.58499,"sentiment":"neutral","sentiment_score":0.10430137813091278}],"sentiment":"neutral","sentiment_score":0.05435937767227491,"channel":1,"num_words":3,"start":155.305,"end":156.58499},{"sentences":[{"text":"Yeah.","start":156.47499,"end":156.795,"sentiment":"neutral","sentiment_score":0.17725875973701477}],"sentiment":"neutral","sentiment_score":0.17725875973701477,"channel":0,"num_words":1,"start":156.47499,"end":156.795},{"sentences":[{"text":"Thank","start":156.58499,"end":156.825,"sentiment":"positive","sentiment_score":0.3379421830177307}],"sentiment":"positive","sentiment_score":0.3379421830177307,"channel":1,"num_words":1,"start":156.58499,"end":156.825},{"sentences":[{"text":"I'm","start":156.795,"end":157.03499,"sentiment":"neutral","sentiment_score":0.3187592625617981}],"sentiment":"neutral","sentiment_score":0.3187592625617981,"channel":0,"num_words":1,"start":156.795,"end":157.03499},{"sentences":[{"text":"you.","start":156.825,"end":157.325,"sentiment":"neutral","sentiment_score":0.26871567964553833}],"sentiment":"neutral","sentiment_score":0.26871567964553833,"channel":1,"num_words":1,"start":156.825,"end":157.325},{"sentences":[{"text":"so sorry.","start":157.03499,"end":157.675,"sentiment":"neutral","sentiment_score":-0.03111538290977478},{"text":"It's not the conversation that you were hoping for, and I do apologize.","start":157.675,"end":161.135,"sentiment":"neutral","sentiment_score":-0.16109908372163773}],"sentiment":"neutral","sentiment_score":-0.14376792361338933,"channel":0,"num_words":15,"start":157.03499,"end":161.135},{"sentences":[{"text":"No.","start":162.105,"end":162.265,"sentiment":"neutral","sentiment_score":-0.18927255272865295},{"text":"You're not.","start":162.265,"end":163.00499,"sentiment":"neutral","sentiment_score":-0.19683395326137543}],"sentiment":"neutral","sentiment_score":-0.1943134864171346,"channel":1,"num_words":3,"start":162.105,"end":163.00499},{"sentences":[{"text":"With the current level of cover you have, you have 687,000 of life and TBD there at the moment.","start":165.595,"end":173.76,"sentiment":"neutral","sentiment_score":-0.04424296260664338},{"text":"If you were to just reduce that down to 500,000 even, we can reduce the insurance premium to 4,344.","start":174.86,"end":186.125,"sentiment":"neutral","sentiment_score":0.11495098746136616},{"text":"So it is saving you a bit more in premiums there.","start":186.125,"end":188.54501,"sentiment":"positive","sentiment_score":0.42353481596166437},{"text":"That's $4.03 $4.04 $6.03.","start":190.04501,"end":192.925,"sentiment":"neutral","sentiment_score":0.21183836087584496},{"text":"So it's saving you about $1,600 for the first year in insurance premium.","start":192.925,"end":196.705,"sentiment":"positive","sentiment_score":0.43104495910497814}],"sentiment":"neutral","sentiment_score":0.18868595999524448,"channel":0,"num_words":66,"start":165.595,"end":196.705},{"sentences":[{"text":"Or if you were okay to and this is pretty big and drastic change, but I wanted to give you the option.","start":197.56,"end":202.93999,"sentiment":"neutral","sentiment_score":0.2908473719250072},{"text":"If you were to look at reducing your cover, your life and TPD to 250,000, it actually saves you a lot more, and it reduces your insurance premiums $2,514.54.","start":203.15999,"end":217.145,"sentiment":"positive","sentiment_score":0.46595618796759636},{"text":"So it saves you $3,400 for the year.","start":217.145,"end":220.285,"sentiment":"positive","sentiment_score":0.4853568449616432}],"sentiment":"positive","sentiment_score":0.40329197276446777,"channel":0,"num_words":59,"start":197.56,"end":220.285},{"sentences":[{"text":"How much was that one?","start":220.91,"end":221.79001,"sentiment":"neutral","sentiment_score":0.08718504905700683},{"text":"Sorry.","start":221.79001,"end":222.19,"sentiment":"neutral","sentiment_score":-0.03431650996208191},{"text":"Per year?","start":222.19,"end":222.85,"sentiment":"neutral","sentiment_score":-0.00800340948626399}],"sentiment":"neutral","sentiment_score":0.048200239543803036,"channel":1,"num_words":8,"start":220.91,"end":222.85},{"sentences":[{"text":"The premium, $2,514.","start":223.9,"end":227.44,"sentiment":"neutral","sentiment_score":0.010464673861861229}],"sentiment":"neutral","sentiment_score":0.010464673861861229,"channel":0,"num_words":3,"start":223.9,"end":227.44},{"sentences":[{"text":"Alright.","start":228.19,"end":228.69,"sentiment":"neutral","sentiment_score":0.08826114982366562},{"text":"Okay.","start":228.75,"end":229.25,"sentiment":"neutral","sentiment_score":0.11653456091880798}],"sentiment":"neutral","sentiment_score":0.1023978553712368,"channel":1,"num_words":2,"start":228.19,"end":229.25},{"sentences":[{"text":"And that pays out 250,000 in the event of a life or TBD claim.","start":229.26,"end":234.4,"sentiment":"neutral","sentiment_score":0.1364636586180755}],"sentiment":"neutral","sentiment_score":0.1364636586180755,"channel":0,"num_words":14,"start":229.26,"end":234.4},{"sentences":[{"text":"All, but not","start":235.245,"end":236.125,"sentiment":"neutral","sentiment_score":-0.0037356323252121606}],"sentiment":"neutral","sentiment_score":-0.0037356323252121606,"channel":1,"num_words":3,"start":235.245,"end":236.125},{"sentences":[{"text":"Yeah.","start":235.9,"end":236.4,"sentiment":"neutral","sentiment_score":0.027361512184143063}],"sentiment":"neutral","sentiment_score":0.027361512184143063,"channel":0,"num_words":1,"start":235.9,"end":236.4},{"sentences":[{"text":"both.","start":236.125,"end":236.625,"sentiment":"neutral","sentiment_score":0.017236776649951935}],"sentiment":"neutral","sentiment_score":0.017236776649951935,"channel":1,"num_words":1,"start":236.125,"end":236.625},{"sentences":[{"text":"Well, it's with TBD, it pays out the TBD benefit.","start":238.195,"end":241.895,"sentiment":"neutral","sentiment_score":0.10713725723326206},{"text":"We attach the life.","start":242.035,"end":243.315,"sentiment":"neutral","sentiment_score":0.05711499880999327},{"text":"So if you claim on TBD within twelve months after the claim, your life component is reinstated for you.","start":243.315,"end":251.1,"sentiment":"neutral","sentiment_score":0.2461353838443756},{"text":"So you will be able to claim with a life cover eventually as well.","start":251.1,"end":254.40001,"sentiment":"positive","sentiment_score":0.3916034145014627},{"text":"But, yeah, it doesn't it doesn't pay out the life and TPD in one lump sum.","start":255.34,"end":259.1,"sentiment":"neutral","sentiment_score":0.08520523994229734}],"sentiment":"neutral","sentiment_score":0.20352597623353913,"channel":0,"num_words":63,"start":238.195,"end":259.1},{"sentences":[{"text":"You just get that $2.50.","start":259.1,"end":260.56,"sentiment":"neutral","sentiment_score":0.13788160681724548},{"text":"Or if you reduce the the sum insured to 500,000, then it just pays out that 500,000, essentially.","start":261.18,"end":267.46503,"sentiment":"neutral","sentiment_score":0.1470662939051787},{"text":"But you can also claim your super on top of that to give you an additional benefit.","start":267.46503,"end":270.98502,"sentiment":"positive","sentiment_score":0.4113295200993033},{"text":"But I just wanted to I didn't wanna sort of sugarcoat it in any way.","start":270.98502,"end":275.625,"sentiment":"neutral","sentiment_score":-0.17318745503822963},{"text":"I just wanted to be honest with you and let you know this is what I'm seeing, and this is quite concerning.","start":275.625,"end":279.945,"sentiment":"neutral","sentiment_score":-0.09035053205761043}],"sentiment":"neutral","sentiment_score":0.07459324201593151,"channel":0,"num_words":77,"start":259.1,"end":279.945},{"sentences":[{"text":"As your adviser, I don't want to, you know, I don't want your super to go backwards, and I don't want you to lose everything that you've worked so hard for.","start":279.945,"end":287.37997,"sentiment":"negative","sentiment_score":-0.4607792386124211},{"text":"So I just wanted to sort of find out what your thoughts were and what what your goals are and, you know, how things are going for you as well.","start":287.91998,"end":295.22,"sentiment":"neutral","sentiment_score":0.22079458385705947}],"sentiment":"neutral","sentiment_score":-0.12557899805366016,"channel":0,"num_words":61,"start":279.945,"end":295.22},{"sentences":[{"text":"So just a quick one.","start":297.575,"end":300.13998,"sentiment":"neutral","sentiment_score":0.021675880439579485},{"text":"What what is my my cover at the moment for the for the 5,900 per year?","start":300.13998,"end":306.13998,"sentiment":"neutral","sentiment_score":-0.00382543116575107},{"text":"What was that?","start":306.13998,"end":306.62,"sentiment":"neutral","sentiment_score":-0.01586392428725958},{"text":"807?","start":306.62,"end":307.75998,"sentiment":"neutral","sentiment_score":-0.013620654121041298}],"sentiment":"neutral","sentiment_score":-0.0005615969374775886,"channel":1,"num_words":25,"start":297.575,"end":307.75998},{"sentences":[{"text":"Mhmm.","start":307.89502,"end":308.295,"sentiment":"neutral","sentiment_score":-0.020746706053614616},{"text":"Yeah.","start":308.295,"end":308.615,"sentiment":"neutral","sentiment_score":-0.011251432821154594},{"text":"So 687,000.","start":308.615,"end":310.95502,"sentiment":"neutral","sentiment_score":-0.013253447134047747},{"text":"Yeah.","start":314.50998,"end":315.00998,"sentiment":"neutral","sentiment_score":-0.08505833148956299},{"text":"And these premiums do get more and more expensive every year.","start":316.11,"end":319.47,"sentiment":"negative","sentiment_score":-0.3779340819879012}],"sentiment":"neutral","sentiment_score":-0.2688023916562088,"channel":0,"num_words":16,"start":307.89502,"end":319.47},{"sentences":[{"text":"So the biggest factor and why it's gonna deplete your super is that as you get older and closer to the with the risk of claiming, the way the insurance premiums are set is they do get more expensive.","start":319.47,"end":330.775,"sentiment":"negative","sentiment_score":-0.5324327792876806},{"text":"The ATO eats away more and more.","start":330.91498,"end":333.095,"sentiment":"negative","sentiment_score":-0.6559902940477643}],"sentiment":"negative","sentiment_score":-0.5512350097946499,"channel":0,"num_words":46,"start":319.47,"end":333.095},{"sentences":[{"text":"Yes.","start":333.62,"end":334.12,"sentiment":"neutral","sentiment_score":-0.11887259781360626}],"sentiment":"neutral","sentiment_score":-0.11887259781360626,"channel":1,"num_words":1,"start":333.62,"end":334.12},{"sentences":[{"text":"With the projections, I've been able to do up.","start":333.63498,"end":336.995,"sentiment":"neutral","sentiment_score":-0.09894749811953968},{"text":"The growth is great.","start":336.995,"end":338.115,"sentiment":"neutral","sentiment_score":0.18814058229327202},{"text":"So in a high growth portfolio and even in the balanced growth portfolio, we've been able to obtain about 11% return with the projected outcome, but it's all been eaten away by your insurance premiums.","start":338.115,"end":350.59,"sentiment":"neutral","sentiment_score":-0.18423672329102245},{"text":"It's and with no money going in.","start":350.73,"end":352.99,"sentiment":"negative","sentiment_score":-0.49562105536460876},{"text":"The only other thing I could consider would be looking if you're comfortable because you are 46.","start":353.61,"end":360.14502,"sentiment":"neutral","sentiment_score":-0.05634807817199651}],"sentiment":"neutral","sentiment_score":-0.1529654886883994,"channel":0,"num_words":72,"start":333.63498,"end":360.14502},{"sentences":[{"text":"You know, realistically, you still got a bit of time ahead of you.","start":360.14502,"end":362.70502,"sentiment":"neutral","sentiment_score":-0.021757777493733626},{"text":"If you're comfortable taking more risks, staying in that high growth environment, is there any way you could put some additional contributions in the if we were to look at, you know, $50 a week or a $100 a month or something to see if that could help your grow?","start":362.70502,"end":379.7,"sentiment":"neutral","sentiment_score":0.15469552166759967},{"text":"Is there any way that that would work, or is your expenses just not allowed for that in any way, shape, or form?","start":379.7,"end":385.96002,"sentiment":"neutral","sentiment_score":-0.07663539035812668}],"sentiment":"neutral","sentiment_score":0.06615477904330852,"channel":0,"num_words":86,"start":360.14502,"end":385.96002},{"sentences":[{"text":"Could probably manage to that $100 a month at the moment.","start":386.77002,"end":389.75,"sentiment":"neutral","sentiment_score":0.15940388969399713}],"sentiment":"neutral","sentiment_score":0.15940388969399713,"channel":1,"num_words":11,"start":386.77002,"end":389.75},{"sentences":[{"text":"A $100 a month?","start":390.315,"end":391.595,"sentiment":"neutral","sentiment_score":0.04961507022380829},{"text":"Yep.","start":391.595,"end":392.095,"sentiment":"neutral","sentiment_score":0.18996529281139377},{"text":"Okay.","start":393.75497,"end":394.25497,"sentiment":"neutral","sentiment_score":0.2284509539604187},{"text":"Because I can run the projections for you with a $100 per month to see if that helps.","start":395.675,"end":401.055,"sentiment":"positive","sentiment_score":0.3344479476412137},{"text":"Yeah.","start":404.19,"end":404.59,"sentiment":"neutral","sentiment_score":0.2271796315908432}],"sentiment":"neutral","sentiment_score":0.2745647686719894,"channel":0,"num_words":25,"start":390.315,"end":404.59},{"sentences":[{"text":"And are you comfortable I know we sort of talked about lowering the risk level.","start":404.59,"end":408.77,"sentiment":"neutral","sentiment_score":0.12342778444290162},{"text":"Are you comfortable if I was to keep you in that high growth portfolio longer?","start":409.38998,"end":413.71,"sentiment":"neutral","sentiment_score":0.09969894836346309},{"text":"I know you're taking more risk as something I would, you know, if you're not really able to contribute or with the way your health is, would realistically prefer you not do.","start":413.71,"end":422.075,"sentiment":"neutral","sentiment_score":-0.2932017329148948},{"text":"But if it's helping you so far and we're kind of catching up every couple of months to see how things are tracking, are you comfortable taking on a bit more risk in the market staying in that high growth environment?","start":422.075,"end":433.16,"sentiment":"neutral","sentiment_score":0.06219451156694714}],"sentiment":"neutral","sentiment_score":-0.033840577543071175,"channel":0,"num_words":103,"start":404.59,"end":433.16},{"sentences":[{"text":"Yeah.","start":435.125,"end":435.36502,"sentiment":"neutral","sentiment_score":0.06171723827719688},{"text":"Probably.","start":435.36502,"end":435.86502,"sentiment":"neutral","sentiment_score":0.07674964517354965}],"sentiment":"neutral","sentiment_score":0.06923344172537327,"channel":1,"num_words":2,"start":435.125,"end":435.86502},{"sentences":[{"text":"Yeah.","start":436.90002,"end":437.30002,"sentiment":"neutral","sentiment_score":0.11717098206281662},{"text":"If not, I will have a look at adding the contributions in and also reducing the risk to see what I can do as well.","start":437.30002,"end":445.16,"sentiment":"neutral","sentiment_score":0.151109416782856},{"text":"I'm just gonna run all these projections again to see what it looks like, how it looks.","start":445.785,"end":450.025,"sentiment":"neutral","sentiment_score":0.20280289343174765},{"text":"I've looked at every super fund, every portfolio, all these different options.","start":450.025,"end":453.945,"sentiment":"neutral","sentiment_score":0.05412673104243974},{"text":"We've run about 30 different projections for you at the moment.","start":453.945,"end":456.925,"sentiment":"neutral","sentiment_score":-0.003984728997403925}],"sentiment":"neutral","sentiment_score":0.12042794459866303,"channel":0,"num_words":66,"start":436.90002,"end":456.925},{"sentences":[{"text":"But I just don't like it depleting your super because you don't need that.","start":457.865,"end":461.22998,"sentiment":"negative","sentiment_score":-0.5543424370033401},{"text":"You don't deserve that.","start":461.22998,"end":462.19,"sentiment":"negative","sentiment_score":-0.657522976398468},{"text":"You've worked really hard to this point.","start":462.19,"end":464.53,"sentiment":"negative","sentiment_score":-0.359360043491636},{"text":"With your insurances, did you really wanna keep them at the same level, or are you comfortable maybe just reducing them back a little bit to make them cheaper?","start":466.43,"end":473.87,"sentiment":"neutral","sentiment_score":-0.1251658621276247},{"text":"What's your thoughts, Russ?","start":473.87,"end":475.25,"sentiment":"neutral","sentiment_score":-0.04852669918909669}],"sentiment":"neutral","sentiment_score":-0.28845384700930327,"channel":0,"num_words":58,"start":457.865,"end":475.25},{"sentences":[{"text":"Well, if I reduce them now because the injury's already happened.","start":475.96,"end":480.11502,"sentiment":"negative","sentiment_score":-0.3832607486031272},{"text":"So if I reduce them now, I would if this this claim actually goes through, I I wouldn't get that projected amount, would I, for a 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one.","start":530.55,"end":532.335,"sentiment":"neutral","sentiment_score":-0.10353409452363849},{"text":"But each year, it does go through renewal periods, and it indexes.","start":532.895,"end":537.47504,"sentiment":"neutral","sentiment_score":0.0016165796356896547},{"text":"So your sum insured will increase back each year.","start":537.775,"end":542.11505,"sentiment":"neutral","sentiment_score":0.018204488274123933},{"text":"It will take time to get to the same level, But with you paying about 5,000 now for the premiums, they're only gonna keep getting more and more expensive each year.","start":542.575,"end":552.51996,"sentiment":"neutral","sentiment_score":-0.3134298570934803}],"sentiment":"neutral","sentiment_score":-0.16656438324360118,"channel":0,"num_words":62,"start":524.39,"end":552.51996},{"sentences":[{"text":"So it's just a matter of whether you decrease it back just a little bit now to save some money now or whether we keep it at the same level and try to pump a bit more money into super and take a bit more risk to try and alleviate what's happening with the premium.","start":552.51996,"end":567.26495,"sentiment":"neutral","sentiment_score":-0.2737474460493435},{"text":"Yeah.","start":571.005,"end":571.485,"sentiment":"neutral","sentiment_score":-0.0844528079032898},{"text":"Sorry.","start":571.485,"end":571.985,"sentiment":"neutral","sentiment_score":-0.18489402532577515}],"sentiment":"neutral","sentiment_score":-0.26886765554285885,"channel":0,"num_words":57,"start":552.51996,"end":571.985},{"sentences":[{"text":"No.","start":572.73505,"end":572.97504,"sentiment":"neutral","sentiment_score":-0.23676322400569916},{"text":"You're alright.","start":572.97504,"end":573.695,"sentiment":"neutral","sentiment_score":-0.17583824321627617},{"text":"I'm","start":573.695,"end":573.935,"sentiment":"neutral","sentiment_score":-0.15145015716552734}],"sentiment":"neutral","sentiment_score":-0.1849724669009447,"channel":1,"num_words":4,"start":572.73505,"end":573.935},{"sentences":[{"text":"Not","start":573.86,"end":574.02,"sentiment":"neutral","sentiment_score":-0.22157861292362213}],"sentiment":"neutral","sentiment_score":-0.22157861292362213,"channel":0,"num_words":1,"start":573.86,"end":574.02},{"sentences":[{"text":"just","start":573.935,"end":574.335,"sentiment":"neutral","sentiment_score":-0.25004899501800537}],"sentiment":"neutral","sentiment_score":-0.25004899501800537,"channel":1,"num_words":1,"start":573.935,"end":574.335},{"sentences":[{"text":"at","start":574.02,"end":574.52,"sentiment":"negative","sentiment_score":-0.36153945326805115}],"sentiment":"negative","sentiment_score":-0.36153945326805115,"channel":0,"num_words":1,"start":574.02,"end":574.52},{"sentences":[{"text":"thinking, 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somebody to come and do that.","start":876.74,"end":878.775,"sentiment":"negative","sentiment_score":-0.3377546459436417}],"sentiment":"negative","sentiment_score":-0.3377546459436417,"channel":1,"num_words":10,"start":876.74,"end":878.775},{"sentences":[{"text":"Okay.","start":879.29,"end":879.79,"sentiment":"neutral","sentiment_score":-0.11131180077791214},{"text":"Yeah.","start":882.73,"end":883.20996,"sentiment":"neutral","sentiment_score":-0.1129639744758606},{"text":"So there's there's a lot to this report.","start":883.20996,"end":885.23,"sentiment":"neutral","sentiment_score":-0.2006045300513506},{"text":"I can just sorta I do see where it kind of did come back to.","start":885.61,"end":890.96497,"sentiment":"neutral","sentiment_score":-0.13088715275128682},{"text":"But when we are looking to claim on TBD, what we essentially need to be able to do, we need to not be able to complete generally two to three of those five different 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chat to them and kinda just say this is where I'm at, they'll be able to help determine when this claim can be resubmitted for you.","start":934.13,"end":952.735,"sentiment":"neutral","sentiment_score":0.1060808619691266},{"text":"Okay?","start":952.875,"end":953.375,"sentiment":"neutral","sentiment_score":0.03828006982803345}],"sentiment":"neutral","sentiment_score":0.06043227635897123,"channel":0,"num_words":130,"start":902.76,"end":953.375},{"sentences":[{"text":"So is that so things like like putting my socks on with a a soft putter on or a thing.","start":954.97003,"end":962.09,"sentiment":"neutral","sentiment_score":-0.03864103294909001},{"text":"I don't 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report was done up by the rehab management people.","start":970.79,"end":974.25,"sentiment":"neutral","sentiment_score":0.016576427221298217},{"text":"So they're looking to show that you need someone to put your socks on, help you put your shirt and pants on, that you're, you know, struggling to to sit down and eat your food, that someone might be, you know, either feeding you.","start":974.71,"end":987.365,"sentiment":"neutral","sentiment_score":-0.061113841916349804},{"text":"You might require help showering.","start":987.365,"end":989.225,"sentiment":"neutral","sentiment_score":-0.10575980991125107},{"text":"Someone might have to be there to support you showering, things like that.","start":989.365,"end":993.42,"sentiment":"neutral","sentiment_score":-0.11214005431303611},{"text":"They're actually looking for the point where you're unable to do all these sorts of actions on your own, and you require assistance to do 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the same amount or whether we just reduce it back a little bit, still keeping the cover in play.","start":1106.1749,"end":1119.29,"sentiment":"neutral","sentiment_score":-0.23786889477854684},{"text":"It's just that we're reducing the sum insured slightly to kind of reduce the cost on your super a little 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just work on the $100 a month.","start":1195.655,"end":1199.13,"sentiment":"neutral","sentiment_score":0.2214296186963717}],"sentiment":"neutral","sentiment_score":0.22359429221404226,"channel":1,"num_words":19,"start":1193.5751,"end":1199.13},{"sentences":[{"text":"Yeah.","start":1199.23,"end":1199.63,"sentiment":"neutral","sentiment_score":0.14917807281017303},{"text":"Yep.","start":1199.63,"end":1199.95,"sentiment":"neutral","sentiment_score":0.1348087042570114},{"text":"Yep.","start":1199.95,"end":1200.1901,"sentiment":"neutral","sentiment_score":0.14007103443145752}],"sentiment":"neutral","sentiment_score":0.14135260383288065,"channel":0,"num_words":3,"start":1199.23,"end":1200.1901},{"sentences":[{"text":"And","start":1200.15,"end":1200.4701,"sentiment":"neutral","sentiment_score":0.17057514190673828}],"sentiment":"neutral","sentiment_score":0.17057514190673828,"channel":1,"num_words":1,"start":1200.15,"end":1200.4701},{"sentences":[{"text":"And 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form.","start":1218.745,"end":1221.865,"sentiment":"negative","sentiment_score":-0.6290158650704792},{"text":"So,","start":1221.865,"end":1222.365,"sentiment":"neutral","sentiment_score":-0.18336930871009827}],"sentiment":"negative","sentiment_score":-0.5851247993207747,"channel":0,"num_words":31,"start":1214.745,"end":1222.365},{"sentences":[{"text":"No.","start":1222.605,"end":1223.105,"sentiment":"neutral","sentiment_score":-0.2699536681175232},{"text":"Well, I'll yeah.","start":1223.82,"end":1225.0199,"sentiment":"neutral","sentiment_score":-0.2007407248020172},{"text":"What I'll do is I'll I'll speak to the lawyers and 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payout?","start":1282.97,"end":1287.87,"sentiment":"neutral","sentiment_score":0.0027247026343556013},{"text":"Have they sort of had that had a talk about where they're going with that at the moment, or is that all gonna happen when you to twelve months?","start":1288.09,"end":1294.385,"sentiment":"neutral","sentiment_score":-0.03258035659533123}],"sentiment":"neutral","sentiment_score":0.003989750639565529,"channel":0,"num_words":62,"start":1274.8049,"end":1294.385},{"sentences":[{"text":"I'd say I'd no more at twelve months, 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you.","start":1332.3049,"end":1344.04,"sentiment":"neutral","sentiment_score":0.1104879264616304},{"text":"Okay?","start":1344.04,"end":1344.54,"sentiment":"neutral","sentiment_score":0.023311858996748924}],"sentiment":"neutral","sentiment_score":0.10399333550594747,"channel":0,"num_words":48,"start":1331.345,"end":1344.54},{"sentences":[{"text":"Thank you very much.","start":1345.15,"end":1346.03,"sentiment":"positive","sentiment_score":0.7747668474912643},{"text":"Much appreciated.","start":1346.03,"end":1346.77,"sentiment":"positive","sentiment_score":0.748257040977478}],"sentiment":"positive","sentiment_score":0.7659302453200022,"channel":1,"num_words":6,"start":1345.15,"end":1346.77},{"sentences":[{"text":"That's okay.","start":1347.425,"end":1348.305,"sentiment":"positive","sentiment_score":0.3430858701467514},{"text":"Again, I'm so sorry it wasn't the best conversation, but I I I I'm an honest 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present.","start":1375.68,"end":1386.775,"sentiment":"neutral","sentiment_score":0.14263603370636702},{"text":"Would 10:30 next Thursday be okay for you?","start":1386.775,"end":1389.755,"sentiment":"neutral","sentiment_score":0.02994043775834143}],"sentiment":"neutral","sentiment_score":0.12244066659361125,"channel":0,"num_words":50,"start":1372.8,"end":1389.755},{"sentences":[{"text":"Nothing next week, actually.","start":1390.865,"end":1392.325,"sentiment":"neutral","sentiment_score":-0.09140743874013424},{"text":"I'm I'll 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week.","start":1404.925,"end":1406.365,"sentiment":"neutral","sentiment_score":0.06796382429699104},{"text":"When would sort of suit you to run through that one?","start":1406.365,"end":1409.265,"sentiment":"neutral","sentiment_score":0.06384781714190137}],"sentiment":"neutral","sentiment_score":0.06530052554958007,"channel":0,"num_words":17,"start":1404.925,"end":1409.265},{"sentences":[{"text":"With Suzette and everything, probably 11:00 ish.","start":1412.125,"end":1414.945,"sentiment":"neutral","sentiment_score":0.043465571478009224}],"sentiment":"neutral","sentiment_score":0.043465571478009224,"channel":1,"num_words":7,"start":1412.125,"end":1414.945},{"sentences":[{"text":"Next Thursday or any day?","start":1416.125,"end":1418.625,"sentiment":"neutral","sentiment_score":0.012109053879976272}],"sentiment":"neutral","sentiment_score":0.012109053879976272,"channel":0,"num_words":5,"start":1416.125,"end":1418.625},{"sentences":[{"text":"The following.","start":1418.365,"end":1419.025,"sentiment":"neutral","sentiment_score":0.0005884428974241018}],"sentiment":"neutral","sentiment_score":0.0005884428974241018,"channel":1,"num_words":2,"start":1418.365,"end":1419.025},{"sentences":[{"text":"The","start":1419.9501,"end":1420.1901,"sentiment":"neutral","sentiment_score":-0.005578483454883099}],"sentiment":"neutral","sentiment_score":-0.005578483454883099,"channel":0,"num_words":1,"start":1419.9501,"end":1420.1901},{"sentences":[{"text":"Not the","start":1419.965,"end":1420.285,"sentiment":"neutral","sentiment_score":-0.01663213688880205}],"sentiment":"neutral","sentiment_score":-0.01663213688880205,"channel":1,"num_words":2,"start":1419.965,"end":1420.285},{"sentences":[{"text":"following","start":1420.1901,"end":1420.59,"sentiment":"neutral","sentiment_score":-0.02162710204720497}],"sentiment":"neutral","sentiment_score":-0.02162710204720497,"channel":0,"num_words":1,"start":1420.1901,"end":1420.59},{"sentences":[{"text":"not next","start":1420.365,"end":1420.765,"sentiment":"neutral","sentiment_score":-0.020981010049581528}],"sentiment":"neutral","sentiment_score":-0.020981010049581528,"channel":1,"num_words":2,"start":1420.365,"end":1420.765},{"sentences":[{"text":"Thursday?","start":1420.59,"end":1421.09,"sentiment":"neutral","sentiment_score":-0.017721399664878845}],"sentiment":"neutral","sentiment_score":-0.017721399664878845,"channel":0,"num_words":1,"start":1420.59,"end":1421.09},{"sentences":[{"text":"Thursday.","start":1420.765,"end":1421.165,"sentiment":"neutral","sentiment_score":0.006405485328286886},{"text":"Thursday up.","start":1421.165,"end":1422.065,"sentiment":"neutral","sentiment_score":0.02605298813432455}],"sentiment":"neutral","sentiment_score":0.019503820532311995,"channel":1,"num_words":3,"start":1420.765,"end":1422.065},{"sentences":[{"text":"Yep.","start":1422.27,"end":1422.59,"sentiment":"neutral","sentiment_score":0.106430321931839},{"text":"Perfect.","start":1422.59,"end":1422.99,"sentiment":"neutral","sentiment_score":0.2334434539079666},{"text":"That's the May 14, and I'll pop it in there","start":1422.99,"end":1425.39,"sentiment":"neutral","sentiment_score":0.11416075751185417}],"sentiment":"neutral","sentiment_score":0.12345677924652894,"channel":0,"num_words":12,"start":1422.27,"end":1425.39},{"sentences":[{"text":"Yeah.","start":1425.29,"end":1425.79,"sentiment":"neutral","sentiment_score":0.09813131392002106}],"sentiment":"neutral","sentiment_score":0.09813131392002106,"channel":1,"num_words":1,"start":1425.29,"end":1425.79},{"sentences":[{"text":"for 11AM there for you that day.","start":1425.39,"end":1427.71,"sentiment":"neutral","sentiment_score":0.09771600472075599},{"text":"Okay?","start":1427.71,"end":1428.21,"sentiment":"neutral","sentiment_score":0.12449388206005096}],"sentiment":"neutral","sentiment_score":0.10106323938816786,"channel":0,"num_words":8,"start":1425.39,"end":1428.21},{"sentences":[{"text":"Beautiful.","start":1428.25,"end":1428.75,"sentiment":"positive","sentiment_score":0.49603062868118286}],"sentiment":"positive","sentiment_score":0.49603062868118286,"channel":1,"num_words":1,"start":1428.25,"end":1428.75},{"sentences":[{"text":"Beautiful.","start":1429.9501,"end":1430.4501,"sentiment":"positive","sentiment_score":0.5348204374313354},{"text":"Thank you so much for that.","start":1430.51,"end":1432.11,"sentiment":"positive","sentiment_score":0.6444413363933563},{"text":"I'll let you go.","start":1432.11,"end":1432.99,"sentiment":"positive","sentiment_score":0.3577428162097931},{"text":"I'll go back to looking at everything and doing those projections.","start":1432.99,"end":1437.515,"sentiment":"neutral","sentiment_score":0.252852510322224},{"text":"I will probably just send you an email today with an updated projection to sort of show you where this might be tracking.","start":1437.515,"end":1443.215,"sentiment":"neutral","sentiment_score":0.20258115912261215}],"sentiment":"neutral","sentiment_score":0.2949596443110042,"channel":0,"num_words":45,"start":1429.9501,"end":1443.215},{"sentences":[{"text":"And if it's still depleting your super, we can always come back and look at what else we can do.","start":1443.4349,"end":1448.095,"sentiment":"neutral","sentiment_score":0.012397118378430605},{"text":"Okay?","start":1448.155,"end":1448.655,"sentiment":"neutral","sentiment_score":0.1464335322380066},{"text":"Okay.","start":1450.89,"end":1451.39,"sentiment":"neutral","sentiment_score":0.19125878810882568},{"text":"All good, Russell.","start":1451.61,"end":1452.6699,"sentiment":"positive","sentiment_score":0.43642311294873554},{"text":"I'll leave you to your day.","start":1452.8099,"end":1454.57,"sentiment":"neutral","sentiment_score":0.2462507685025533}],"sentiment":"neutral","sentiment_score":0.10878737541216035,"channel":0,"num_words":31,"start":1443.4349,"end":1454.57},{"sentences":[{"text":"Hopefully, you have a good relaxing day, and I'll get stuck into this research for you.","start":1454.57,"end":1458.9099,"sentiment":"positive","sentiment_score":0.7016845606267452}],"sentiment":"positive","sentiment_score":0.7016845606267452,"channel":0,"num_words":16,"start":1454.57,"end":1458.9099},{"sentences":[{"text":"Not a problem.","start":1459.57,"end":1460.37,"sentiment":"positive","sentiment_score":0.5484620134035746},{"text":"Thank you very much.","start":1460.37,"end":1461.4299,"sentiment":"positive","sentiment_score":0.846352681517601}],"sentiment":"positive","sentiment_score":0.7186852523258754,"channel":1,"num_words":7,"start":1459.57,"end":1461.4299},{"sentences":[{"text":"My pleasure.","start":1461.785,"end":1462.345,"sentiment":"positive","sentiment_score":0.8017097413539886},{"text":"If there's anything else you need at any point, please let me know.","start":1462.345,"end":1465.325,"sentiment":"neutral","sentiment_score":0.250814818418943},{"text":"I'll also, in the email, just add down the requirements for claiming on TBD.","start":1465.865,"end":1470.365,"sentiment":"neutral","sentiment_score":0.14124911012394087},{"text":"That way when you're at the doctors, you can say this is what I need to be able to claim, and this is where I'm at currently.","start":1470.505,"end":1476.85,"sentiment":"neutral","sentiment_score":0.17603527809734698},{"text":"And then they can sort of help to guide you when that might be appropriate for you.","start":1477.79,"end":1483.31,"sentiment":"neutral","sentiment_score":0.2518215793020585}],"sentiment":"neutral","sentiment_score":0.21747149343359962,"channel":0,"num_words":73,"start":1461.785,"end":1483.31},{"sentences":[{"text":"Okay?","start":1483.31,"end":1483.81,"sentiment":"neutral","sentiment_score":0.08620372414588928}],"sentiment":"neutral","sentiment_score":0.08620372414588928,"channel":0,"num_words":1,"start":1483.31,"end":1483.81},{"sentences":[{"text":"Yep.","start":1483.9,"end":1484.4,"sentiment":"neutral","sentiment_score":0.08167566359043121},{"text":"Not","start":1484.86,"end":1485.1,"sentiment":"neutral","sentiment_score":0.10676572471857072}],"sentiment":"neutral","sentiment_score":0.09422069415450096,"channel":1,"num_words":2,"start":1483.9,"end":1485.1},{"sentences":[{"text":"Yeah.","start":1484.99,"end":1485.49,"sentiment":"neutral","sentiment_score":0.07989421486854553}],"sentiment":"neutral","sentiment_score":0.07989421486854553,"channel":0,"num_words":1,"start":1484.99,"end":1485.49},{"sentences":[{"text":"a problem.","start":1485.1,"end":1485.68,"sentiment":"neutral","sentiment_score":0.2429492101073265}],"sentiment":"neutral","sentiment_score":0.2429492101073265,"channel":1,"num_words":2,"start":1485.1,"end":1485.68},{"sentences":[{"text":"Alright.","start":1486.4751,"end":1486.9551,"sentiment":"positive","sentiment_score":0.4470888078212738},{"text":"Thanks for your time, Ross.","start":1486.9551,"end":1488.155,"sentiment":"positive","sentiment_score":0.7785286903381348},{"text":"I really appreciate it.","start":1488.155,"end":1489.115,"sentiment":"positive","sentiment_score":0.8618158400058746},{"text":"I hope you have a good relaxing day.","start":1489.115,"end":1491.055,"sentiment":"positive","sentiment_score":0.7753602713346481}],"sentiment":"positive","sentiment_score":0.7772154327895906,"channel":0,"num_words":18,"start":1486.4751,"end":1491.055},{"sentences":[{"text":"Same with yourself.","start":1491.647,"end":1492.627,"sentiment":"positive","sentiment_score":0.5805767476558685}],"sentiment":"positive","sentiment_score":0.5805767476558685,"channel":1,"num_words":3,"start":1491.647,"end":1492.627},{"sentences":[{"text":"Thank you.","start":1493.115,"end":1493.5951,"sentiment":"positive","sentiment_score":0.6181749999523163},{"text":"I'll talk","start":1493.5951,"end":1493.995,"sentiment":"neutral","sentiment_score":0.306050181388855}],"sentiment":"positive","sentiment_score":0.46211259067058563,"channel":0,"num_words":4,"start":1493.115,"end":1493.995},{"sentences":[{"text":"Same","start":1493.802,"end":1494.302,"sentiment":"neutral","sentiment_score":0.2392899990081787}],"sentiment":"neutral","sentiment_score":0.2392899990081787,"channel":1,"num_words":1,"start":1493.802,"end":1494.302},{"sentences":[{"text":"to you soon.","start":1493.995,"end":1494.8151,"sentiment":"positive","sentiment_score":0.3504432539145152}],"sentiment":"positive","sentiment_score":0.3504432539145152,"channel":0,"num_words":3,"start":1493.995,"end":1494.8151},{"sentences":[{"text":"with you.","start":1495.4769,"end":1496.2269,"sentiment":"neutral","sentiment_score":0.3290461152791977}],"sentiment":"neutral","sentiment_score":0.3290461152791977,"channel":1,"num_words":2,"start":1495.4769,"end":1496.2269},{"sentences":[{"text":"Thanks.","start":1496.395,"end":1496.875,"sentiment":"positive","sentiment_score":0.5350679159164429},{"text":"Bye.","start":1496.875,"end":1497.375,"sentiment":"neutral","sentiment_score":0.29322171211242676}],"sentiment":"positive","sentiment_score":0.4141448140144348,"channel":0,"num_words":2,"start":1496.395,"end":1497.375},{"sentences":[{"text":"Bye.","start":1497.887,"end":1498.387,"sentiment":"neutral","sentiment_score":-0.1181175634264946}],"sentiment":"neutral","sentiment_score":-0.1181175634264946,"channel":1,"num_words":1,"start":1497.887,"end":1498.387}]},"summary":{"result":"success","short":"Representatives from Oakley Financial call Ross to discuss his updated advice document and reduce risk levels. They suggest reducing coverage to 250,000 and adding benefits to cover life and TPD to save money. The importance of securing coverage for claims is emphasized, and projections are discussed to alleviate stress and reduce risk. The customer is advised to complete certain tasks and fill out an insurance advice document, and to limit projections and wait until the end of the year to see if there is a recovery."},"intents":{"segments":[{"text":"It's Dana from Oakley Financial. How are you this morning? Yeah.","start_word":3,"end_word":13,"intents":[{"intent":"Confirm call","confidence_score":0.005063631}]},{"text":"I had you booked in originally to go through your updated advice document. I do unfortunately not have it ready, but I still wanted to have the conversation with you because there's a few things I need to go through with regards to the research I've completed.","start_word":25,"end_word":71,"intents":[{"intent":"Discuss research","confidence_score":0.4085622}]},{"text":"Thank you so much there, Ross. Now I had completed all the research I needed to on looking at the advice for you. So last time we spoke, we talked about reducing your risk level a little bit with no contributions going in and trying to sort of protect your suit for a little bit there. Yeah.","start_word":159,"end_word":215,"intents":[{"intent":"Discuss risk level","confidence_score":0.027196754}]},{"text":"So at the moment, your insurance premiums are about 5,900. So what's coming out of super is a bit over 5,000. It looks like that is eating away all the growth plus the fees you pay for the super over the next five to ten years. All the projections are coming out that you'll only end up with a bit over 40,000 in super.","start_word":294,"end_word":357,"intents":[{"intent":"Discuss insurance premiums","confidence_score":0.43667942}]},{"text":"All the projections are coming out that you'll only end up with a bit over 40,000 in super.","start_word":340,"end_word":357,"intents":[{"intent":"Discuss super projections","confidence_score":0.64874387}]},{"text":"If you were to just reduce that down to 500,000 even, we can reduce the insurance premium to 4,344. So it is saving you a bit more in premiums there. That's $4.","start_word":542,"end_word":573,"intents":[{"intent":"Reducing insurance premiums","confidence_score":0.011799382}]},{"text":"Well, it's with TBD, it pays out the TBD benefit. We attach the life.","start_word":680,"end_word":693,"intents":[{"intent":"Considering tbd benefits","confidence_score":0.00007891112},{"intent":"Explaining tdb benefits","confidence_score":0.00026026918},{"intent":"Explaining tbd benefit benefits","confidence_score":0.0036947858}]},{"text":"What what is my my cover at the moment for the for the 5,900 per year? What was that?","start_word":886,"end_word":904,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.015432621}]},{"text":"If you're comfortable taking more risks, staying in that high growth environment, is there any way you could put some additional contributions in the if we were to look at, you know, $50 a week or a $100 a month or something to see if that could help your grow?","start_word":1055,"end_word":1104,"intents":[{"intent":"Consider adding contributions","confidence_score":0.0049742833}]},{"text":"Is there any way that that would work, or is your expenses just not allowed for that in any way, shape, or form? Could probably manage to that $100 a month at the moment. A $100 a month?","start_word":1104,"end_word":1141,"intents":[{"intent":"Evaluate financial comfort","confidence_score":0.0017267753}]},{"text":"And are you comfortable I know we sort of talked about lowering the risk level. Are you comfortable if I was to keep you in that high growth portfolio longer?","start_word":1163,"end_word":1192,"intents":[{"intent":"Determine comfort level","confidence_score":0.058498144},{"intent":"Determine interest in higher growth","confidence_score":0.00019954593}]},{"text":"With your insurances, did you really wanna keep them at the same level, or are you comfortable maybe just reducing them back a little bit to make them cheaper?","start_word":1359,"end_word":1387,"intents":[{"intent":"Evaluate insurance requirements","confidence_score":0.00020073247}]},{"text":"So if I reduce them now, I would if this this claim actually goes through, I I wouldn't get that projected amount, would I, for a higher No. amount at the moment?","start_word":1404,"end_word":1435,"intents":[{"intent":"Reducing claims","confidence_score":0.03591498},{"intent":"Deducing premium amounts","confidence_score":0.00006764315}]},{"text":"I'll look at the the the best kind of way to structure the portfolio.","start_word":1705,"end_word":1718,"intents":[{"intent":"Optimizing portfolio structure","confidence_score":0.3150053}]},{"text":"We contribute a $100 on a monthly basis in the super to try and help because that $100 on a monthly basis, that's $1,200 per year. That will, you know, alleviate some of the stress and sort of see what that looks like over the next couple of years.","start_word":1742,"end_word":1790,"intents":[{"intent":"Determine potential benefits of contributing","confidence_score":1.4375429e-7}]},{"text":"I did also have a quick look at all the doctor's reports and things like that. So I can see where the claim did sort of fall down. I can see with the ADL assessment, you do have a lot of trouble standing and sitting for long periods of time, don't you? Yes.","start_word":1896,"end_word":1948,"intents":[{"intent":"Check adl's report","confidence_score":0.0014084758}]},{"text":"I did also have a quick look at all the doctor's reports and things like that. So I can see where the claim did sort of fall down. I can see with the ADL assessment, you do have a lot of trouble standing and sitting for long periods of time, don't you? Yes. Yeah.","start_word":1896,"end_word":1949,"intents":[{"intent":"Assess claim potential","confidence_score":0.0000057267093},{"intent":"Assess adl's report","confidence_score":0.1270026}]},{"text":"And then the report goes into a bit more detail around the other activities of daily living, so dusting, vacuuming, sweeping floors, cleaning kitchens cleaning the kitchen and the cupboards, cleaning the bathroom, mowing lawns, cleaning kitchen counters, washing dishes, cleaning ovens, and emptying bins.","start_word":2211,"end_word":2255,"intents":[{"intent":"Determine purpose of the report","confidence_score":0.0013521491}]},{"text":"Yeah.","start_word":2733,"end_word":2733,"intents":[{"intent":"Clarify definition","confidence_score":0.008224173}]},{"text":"So is is there a different cover that I'd be able to take that'd be closer to the definition that would still cover that right now? Not really.","start_word":2862,"end_word":2889,"intents":[{"intent":"Clarify insurance coverage and policy options","confidence_score":0.0004156107}]},{"text":"And And you're and happy to just keep the insurances as they are for the moment, and I'll do the projections? yep.","start_word":3320,"end_word":3341,"intents":[{"intent":"Compare insurances","confidence_score":0.0003012841}]},{"text":"So what I might even do sorry. With the with the advice document, I might just limit the projections to say one to two to five years just to sort of see where we are in the shorter term because then we know we can always update the advice. We can always look at things again in a few months' time when you've met that twelve months. Does that sound Yep.","start_word":3489,"end_word":3559,"intents":[{"intent":"Update advice","confidence_score":0.15868434}]},{"text":"With the with the advice document, I might just limit the projections to say one to two to five years just to sort of see where we are in the shorter term because then we know we can always update the advice. We can always look at things again in a few months' time when you've met that twelve months. Does that sound Yep.","start_word":3496,"end_word":3559,"intents":[{"intent":"Limit projections","confidence_score":0.5688642}]},{"text":"Has workers' compensation sort of put out anything with regard to doing a bit of a payout?","start_word":3580,"end_word":3596,"intents":[{"intent":"Resolve payout issue","confidence_score":0.002100127}]},{"text":"Well, I promise I will look after you here, and I'll look after you, And I'll have every tough conversation, and I'll do every projection I possibly can to see how I can put you in a better position and keep things working for you. Okay?","start_word":3735,"end_word":3780,"intents":[{"intent":"Ensure a better position","confidence_score":0.00015623397}]},{"text":"it's important that I do have these conversations with you. But if it's okay, I've rebooked you in for next Thursday if it's at all possible just to maybe, hopefully, have this advice document completed and re have that ready to present. Would 10:30 next Thursday be okay for you?","start_word":3875,"end_word":3924,"intents":[{"intent":"Schedule meeting","confidence_score":0.24213713}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Ross. It's Dana from Oakley Financial. How are you this morning? Yeah. Not too bad. How are you?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.1525617241859436},{"text":"I'm very well. Thank you.","start_word":20,"end_word":24,"sentiment":"positive","sentiment_score":0.5360350608825684},{"text":"I had you booked in originally to go through your updated advice document. I do unfortunately not have it ready, but I still wanted to have the conversation with you because there's a few things I need to go through with regards to the research I've completed. Is now still gonna be a good time? Yeah. Now that's fine. Yep.","start_word":25,"end_word":84,"sentiment":"neutral","sentiment_score":0.08032377064228058},{"text":"Fantastic.","start_word":85,"end_word":85,"sentiment":"positive","sentiment_score":0.5316030979156494},{"text":"Before I jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Not a problem.","start_word":86,"end_word":121,"sentiment":"neutral","sentiment_score":0.1250341832637787},{"text":"Lovely.","start_word":122,"end_word":122,"sentiment":"positive","sentiment_score":0.3571726679801941},{"text":"And just to do security, I just need to confirm your full name, date of birth, and address I should have on file. That's Kevin Higgins. Seventh Yep. and 5th 80. 7th by Court Sinclair.","start_word":123,"end_word":157,"sentiment":"neutral","sentiment_score":0.0603400357067585},{"text":"Beautiful. Thank you so much there, Ross.","start_word":158,"end_word":164,"sentiment":"positive","sentiment_score":0.5231404304504395},{"text":"Now I had completed all the research I needed to on looking at the advice for you. So last time we spoke, we talked about reducing your risk level a little bit with no contributions going in and trying to sort of protect your suit for a little bit there. Yeah. I've had a really good look at the research in your current position and by reducing your risk.","start_word":165,"end_word":233,"sentiment":"neutral","sentiment_score":0.0011311460984870791},{"text":"And because your insurance premiums are really high, it's honestly over the next five to ten years, every scenario is essentially coming out that it's gonna eat away your super. It's just showing a depletion.","start_word":234,"end_word":268,"sentiment":"negative","sentiment_score":-0.3689390420913696},{"text":"Even staying in the same current portfolio, the high growth environment, and keeping your insurance premiums the same, because the insurance premiums are quite high. So at the moment, your insurance premiums are about 5,900.","start_word":269,"end_word":303,"sentiment":"neutral","sentiment_score":-0.26879775524139404},{"text":"So what's coming out of super is a bit over 5,000. It looks like that is eating away all the growth plus the fees you pay for the super over the next five to ten years.","start_word":304,"end_word":339,"sentiment":"negative","sentiment_score":-0.37719765305519104},{"text":"All the projections are coming out that you'll only end up with a bit over 40,000 in super.","start_word":340,"end_word":357,"sentiment":"neutral","sentiment_score":-0.27959519624710083},{"text":"It's all just been eaten away.","start_word":358,"end_word":363,"sentiment":"negative","sentiment_score":-0.7673046588897705},{"text":"I do not want that by any means, so I wanted to sort of have a conversation with you because I know you're trying to claim on your TBD as well and would like to be able to claim on TBD. But I just wanted to sort of see if there's a way we can look at maybe making these premiums a bit cheaper for you as well because, you know, I wanna make sure you can claim on something and still get something when you're able to claim, but I'm just really worried that the premiums plus the fees and your super with no contributions going in, I'm really worried that you're not gonna end up with any super left over, and I wanna do everything I can to prevent that for you. Right. Okay. Yep. Yeah. Thank I'm you. so sorry. It's not the conversation that you were hoping for, and I do apologize. No. You're not. With the current level of cover you have, you have 687,000 of life and TBD there at the moment. If you were to just reduce that down to 500,000 even, we can reduce the insurance premium to 4,344. So it is saving you a bit more in premiums there. That's $4.03 $4.04 $6.","start_word":364,"end_word":575,"sentiment":"neutral","sentiment_score":-0.02697264775633812},{"text":"03. So it's saving you about $1,600 for the first year in insurance premium.","start_word":575,"end_word":588,"sentiment":"positive","sentiment_score":0.4129957556724548},{"text":"Or if you were okay to and this is pretty big and drastic change, but I wanted to give you the option.","start_word":589,"end_word":610,"sentiment":"neutral","sentiment_score":0.2910269498825073},{"text":"If you were to look at reducing your cover, your life and TPD to 250,000, it actually saves you a lot more, and it reduces your insurance premiums $2,514.54. So it saves you $3,400 for the year.","start_word":611,"end_word":647,"sentiment":"positive","sentiment_score":0.4628215432167053},{"text":"How much was that one? Sorry. Per year? The premium, $2,514. Alright. Okay. And that pays out 250,000 in the event of a life or TBD claim. All, but not Yeah. both. Well, it's with TBD, it pays out the TBD benefit. We attach the life. So if you claim on TBD within twelve months after the claim, your life component is reinstated for you.","start_word":648,"end_word":712,"sentiment":"neutral","sentiment_score":0.12929075795870562},{"text":"So you will be able to claim with a life cover eventually as well.","start_word":713,"end_word":726,"sentiment":"positive","sentiment_score":0.3875314593315125},{"text":"But, yeah, it doesn't it doesn't pay out the life and TPD in one lump sum. You just get that $2.50. Or if you reduce the the sum insured to 500,000, then it just pays out that 500,000, essentially.","start_word":727,"end_word":765,"sentiment":"neutral","sentiment_score":0.11921881884336472},{"text":"But you can also claim your super on top of that to give you an additional benefit.","start_word":766,"end_word":782,"sentiment":"positive","sentiment_score":0.4080520868301392},{"text":"But I just wanted to I didn't wanna sort of sugarcoat it in any way. I just wanted to be honest with you and let you know this is what I'm seeing, and this is quite concerning.","start_word":783,"end_word":819,"sentiment":"neutral","sentiment_score":-0.13593578338623047},{"text":"As your adviser, I don't want to, you know, I don't want your super to go backwards, and I don't want you to lose everything that you've worked so hard for.","start_word":820,"end_word":850,"sentiment":"negative","sentiment_score":-0.4574080109596253},{"text":"So I just wanted to sort of find out what your thoughts were and what what your goals are and, you know, how things are going for you as well. So just a quick one. What what is my my cover at the moment for the for the 5,900 per year? What was that? 807? Mhmm. Yeah. So 687,000. Yeah.","start_word":851,"end_word":910,"sentiment":"neutral","sentiment_score":0.09023437649011612},{"text":"And these premiums do get more and more expensive every year. So the biggest factor and why it's gonna deplete your super is that as you get older and closer to the with the risk of claiming, the way the insurance premiums are set is they do get more expensive. The ATO eats away more and more.","start_word":911,"end_word":967,"sentiment":"negative","sentiment_score":-0.5281499028205872},{"text":"Yes. With the projections, I've been able to do up. The growth is great. So in a high growth portfolio and even in the balanced growth portfolio, we've been able to obtain about 11% return with the projected outcome, but it's all been eaten away by your insurance premiums.","start_word":968,"end_word":1016,"sentiment":"neutral","sentiment_score":-0.14192980527877808},{"text":"It's and with no money going in.","start_word":1017,"end_word":1023,"sentiment":"negative","sentiment_score":-0.48280778527259827},{"text":"The only other thing I could consider would be looking if you're comfortable because you are 46. You know, realistically, you still got a bit of time ahead of you. If you're comfortable taking more risks, staying in that high growth environment, is there any way you could put some additional contributions in the if we were to look at, you know, $50 a week or a $100 a month or something to see if that could help your grow? Is there any way that that would work, or is your expenses just not allowed for that in any way, shape, or form? Could probably manage to that $100 a month at the moment. A $100 a month? Yep. Okay. Because I can run the projections for you with a $100 per month to see if that helps. Yeah. And are you comfortable I know we sort of talked about lowering the risk level. Are you comfortable if I was to keep you in that high growth portfolio longer? I know you're taking more risk as something I would, you know, if you're not really able to contribute or with the way your health is, would realistically prefer you not do. But if it's helping you so far and we're kind of catching up every couple of months to see how things are tracking, are you comfortable taking on a bit more risk in the market staying in that high growth environment? Yeah. Probably. Yeah. If not, I will have a look at adding the contributions in and also reducing the risk to see what I can do as well. I'm just gonna run all these projections again to see what it looks like, how it looks. I've looked at every super fund, every portfolio, all these different options. We've run about 30 different projections for you at the moment.","start_word":1024,"end_word":1333,"sentiment":"neutral","sentiment_score":0.05442144349217415},{"text":"But I just don't like it depleting your super because you don't need that. You don't deserve that. You've worked really hard to this point.","start_word":1334,"end_word":1358,"sentiment":"negative","sentiment_score":-0.5299637913703918},{"text":"With your insurances, did you really wanna keep them at the same level, or are you comfortable maybe just reducing them back a little bit to make them cheaper? What's your thoughts, Russ?","start_word":1359,"end_word":1391,"sentiment":"neutral","sentiment_score":-0.1076158657670021},{"text":"Well, if I reduce them now because the injury's already happened.","start_word":1392,"end_word":1402,"sentiment":"negative","sentiment_score":-0.39273601770401},{"text":"So if I reduce them now, I would if this this claim actually goes through, I I wouldn't get that projected amount, would I, for a higher No. amount at the moment? Correct. So if we'd look to reduce it back, it does reduce the amount you're able to claim back to, you know, 5 I would honestly just be looking to try and reduce it back to 500,000 to start with. It's a lesser of a reduction. But every year so with your insurance premiums, you do have indexation, which means that each year that you go through renewal, and your renewal your renewal date here is where is it? Renewal date. Policy started. Oh, it doesn't tell me on this one. But each year, it does go through renewal periods, and it indexes. So your sum insured will increase back each year. It will take time to get to the same level, But with you paying about 5,000 now for the premiums, they're only gonna keep getting more and more expensive each year. So it's just a matter of whether you decrease it back just a little bit now to save some money now or whether we keep it at the same level and try to pump a bit more money into super and take a bit more risk to try and alleviate what's happening with the premium. Yeah. Sorry. No. You're alright. I'm Not just at thinking, like, all. What if I I've if I take it down Yep. and I'd go through with this TPD. It's a 187,000 there with I could It just put straight is. back into It is. my super. Yeah. Did you want me just to try and run the projections keeping the insurances the same and keeping you in that high growth environment? I'll look at the the the best kind of way to structure the portfolio. So we're we're in high growth. We're getting good returns, but we're, you know, limiting the the risk as much as possible. We contribute a $100 on a monthly basis in the super to try and help because that $100 on a monthly basis, that's $1,200 per year. That will, you know, alleviate some of the stress and sort of see what that looks like over the next couple of years. Did you want me just to run that to start with? Yes, please. Yep.","start_word":1403,"end_word":1803,"sentiment":"neutral","sentiment_score":-0.04406331431241404},{"text":"Okay. Beautiful. I'll do that.","start_word":1804,"end_word":1808,"sentiment":"positive","sentiment_score":0.5020952224731445},{"text":"What I can do is once I've got that projection, I can email it through to you to have a bit of a look if you like, and then we can always touch base. I just wanna try and make sure that your soup is working the best it can for you.","start_word":1809,"end_word":1860,"sentiment":"neutral","sentiment_score":0.15985959768295288},{"text":"It's just that everything I've run so far just looks like it was eating your sleep away, and that was not putting you in any good positions down the track at all.","start_word":1861,"end_word":1892,"sentiment":"negative","sentiment_score":-0.4086284339427948},{"text":"So Yes. yeah. I did also have a quick look at all the doctor's reports and things like that. So I can see where the claim did sort of fall down. I can see with the ADL assessment, you do have a lot of trouble standing and sitting for long periods of time, don't you? Yes. Yeah. And even walking. Like, the report, he noted that it was you were only able to tolerate about fifteen minutes of walking prior to having to rotate your position and alter and sit down, essentially.","start_word":1893,"end_word":1984,"sentiment":"neutral","sentiment_score":-0.21479636430740356},{"text":"So it looks like you do are in quite a lot of pain still.","start_word":1985,"end_word":1998,"sentiment":"negative","sentiment_score":-0.4198802709579468},{"text":"Yes. That that is the problem. Yeah. Yeah. So with the ADL definition for TBD, I noted here with the the way the report had come back, it noted that with they had the tasks, and they note dressing, grooming, eating, and preparing meals, and showering as the main ones. And then they noted here that you still had you were still independent in acting in all those areas. So it did state that with regard to showering, you did have some difficulty and some pain in your lower back, but you were still able to complete showering, eating primarily independently, grooming tasks, reported no concerns, and Grooming. I don't know. It was it was all to do with pretty much my feet alright. because Okay. I can't Yeah. touch my feet. I can't cut my toenails. Yeah. And dressing, it did say here that you were able to dress independently. However, it was reported to be sitting down to attend lower body to minimize the degree of bending required. Yeah. I now So have that's a a special sock to put her on or a thing because okay. I can't put my socks on by hand. I have to use Yeah. a a special sock. Yep. Yep. It's the thing.","start_word":1999,"end_word":2209,"sentiment":"neutral","sentiment_score":-0.01741931873916591},{"text":"Absolutely.","start_word":2210,"end_word":2210,"sentiment":"positive","sentiment_score":0.33792436122894287},{"text":"And then the report goes into a bit more detail around the other activities of daily living, so dusting, vacuuming, sweeping floors, cleaning kitchens cleaning the kitchen and the cupboards, cleaning the bathroom, mowing lawns, cleaning kitchen counters, washing dishes, cleaning ovens, and emptying bins. And it noted here that tasks were shared and completed with your wife, and some were completed by your son. You had impaired ability as well on some No. of these.","start_word":2211,"end_word":2286,"sentiment":"neutral","sentiment_score":-0.0166782233864069},{"text":"No. No. No. They weren't completed.","start_word":2287,"end_word":2292,"sentiment":"negative","sentiment_score":-0.3894001841545105},{"text":"Yeah.","start_word":2293,"end_word":2293,"sentiment":"neutral","sentiment_score":-0.2179875075817108},{"text":"They don't So get he complete at the moment. They're not. I was getting help from the insurance company at the time. Now I don't okay. get help from the insurance.","start_word":2294,"end_word":2324,"sentiment":"negative","sentiment_score":-0.4121021032333374},{"text":"So Oh, because the report here says mister Higgins advised task was completed by son. okay. No. Yeah. And that was for cleaning the kitchen counters and washing the dishes. Yes. The sun does the Okay. Perfect. dishes. I've got I've Perfect. got nobody nobody do the lawns. Yep. I have to pay somebody to come and do that. Okay. Yeah. So there's there's a lot to this report. I can just sorta I do see where it kind of did come back to.","start_word":2325,"end_word":2408,"sentiment":"neutral","sentiment_score":-0.12222737073898315},{"text":"But when we are looking to claim on TBD, what we essentially need to be able to do, we need to not be able to complete generally two to three of those five different tasks.","start_word":2409,"end_word":2443,"sentiment":"negative","sentiment_score":-0.33700406551361084},{"text":"So when you look at, you know, dressing, showering, grooming, preparing meals, cleaning the house, driving, things like that, those daily activities, they need you to not be able to complete essentially two to three of those five, which is a a harder definition to to meet, admittedly.","start_word":2444,"end_word":2491,"sentiment":"neutral","sentiment_score":-0.1490621417760849},{"text":"But with where you're at and with what the report shows, there is a real chance that down the track, you'll be able to claim on this.","start_word":2492,"end_word":2518,"sentiment":"positive","sentiment_score":0.38653936982154846},{"text":"It just comes into a matter of when, and I would probably as you're going back to the doctor and having a specialist, if you can have a chat to them and kinda just say this is where I'm at, they'll be able to help determine when this claim can be resubmitted for you. Okay? So is that so things like like putting my socks on with a a soft putter on or a thing. I don't know Mhmm. what it's called. Mhmm. Is that class is completing? Because I'm using something. Yeah. It is. Yeah. It So is. this report was done up by the rehab management people. So they're looking to show that you need someone to put your socks on, help you put your shirt and pants on, that you're, you know, struggling to to sit down and eat your food, that someone might be, you know, either feeding you. You might require help showering. Someone might have to be there to support you showering, things like that. They're actually looking for the point where you're unable to do all these sorts of actions on your own, and you require assistance to do those. And that's when the ADL definition becomes a lot more prevalent, if that makes sense. Yes. Okay. Yeah.","start_word":2519,"end_word":2733,"sentiment":"neutral","sentiment_score":-0.059317391365766525},{"text":"It's it's it's a really hard definition to claim on. I'm really sorry about that.","start_word":2734,"end_word":2748,"sentiment":"negative","sentiment_score":-0.5585770606994629},{"text":"But I wanna make sure that, you know, down the track, when you're able to, when the claim is here, that you're able to claim on because, yeah, you have paid these premiums, and they're not cheap in any way, shape, or form. So I think you deserve to claim on the cover when so.","start_word":2749,"end_word":2803,"sentiment":"neutral","sentiment_score":0.08272847533226013},{"text":"But I also just I'm worried that it's you know, the premiums Gonna eat as away they before get more that.","start_word":2804,"end_word":2824,"sentiment":"negative","sentiment_score":-0.511609673500061},{"text":"correct. Yeah.","start_word":2825,"end_word":2826,"sentiment":"neutral","sentiment_score":-0.14903032779693604},{"text":"I don't want you to end up with no super as well because then all your hard work, you know, you've gone down the drain there as well. So I don't want that for you.","start_word":2827,"end_word":2861,"sentiment":"negative","sentiment_score":-0.4616178870201111},{"text":"So is is there a different cover that I'd be able to take that'd be closer to the definition that would still cover that right now? Not really. We would only be able to apply for any occupation TBD. And because you're currently not working on a workers' compensation claim, they will they won't allow you to apply for new cover. They'll want that claim to be completed. When applying for insurance, the insurers are looking at the risk of you making a claim.","start_word":2862,"end_word":2945,"sentiment":"neutral","sentiment_score":-0.19278134405612943},{"text":"And because of where you're at, the risk of you making a claim is a lot higher.","start_word":2946,"end_word":2962,"sentiment":"negative","sentiment_score":-0.40998607873916626},{"text":"So they'll Yep. look at, you know, the workers' compensation claim and go, well, hey. If we put this policy in place now, you know, in a few months' time, you may be able to claim on that. That's the risk Yep. to the insurer that they are not not normally willing to take. So keeping the cover that you have at the moment is the best way forward currently, but, admittedly, the definitions aren't great. It is extremely expensive, and it's just sort of up to you what you want us to whether you keep the cover at the same amount or whether we just reduce it back a little bit, still keeping the cover in play. It's just that we're reducing the sum insured slightly to kind of reduce the cost on your super a little bit. Alright. Yeah. And if Sorry. I go down, Some can I difficult go back up? you can. However, you do have to apply to increase it. And because you've got this injury now, they will They exclude won't on they any wouldn't wanna. increase. They correct. They'll exclude any preexisting injuries on an increase on the application. Decreasing is easy because there's no application to do so. It's just telling them to decrease the sum insured, and they'll decrease the premium. If you've gone through renewal, they refund you the difference back.","start_word":2963,"end_word":3193,"sentiment":"neutral","sentiment_score":-0.12227782239387562},{"text":"However, to then increase it back, you have to go back to an application, and that is the risk we take when we decrease insurances.","start_word":3194,"end_word":3218,"sentiment":"negative","sentiment_score":-0.36278313398361206},{"text":"So it's not something I can decide for you. It's gotta be something that you're comfortable with. The alternative is we keep the cover the same.","start_word":3219,"end_word":3244,"sentiment":"neutral","sentiment_score":-0.09623993933200836},{"text":"I'm happy to look at the $100 on a monthly basis, and we just try to contribute as much as we possibly can to super to kind of keep the money going in to build it up to cover the cost of the premium, but it's also down to your expenditure.","start_word":3245,"end_word":3295,"sentiment":"positive","sentiment_score":0.34177300333976746},{"text":"Yep. Yeah. Alright. Well, I'll do that for now. Just we'll if we can just work on the $100 a month. Yeah. Yep. Yep. And And you're and happy to just keep the insurances as they are for the moment, and I'll do the projections? yep. Yep. Okay. Not a problem at all. I'm so sorry the conversation wasn't great, but I wanted to make sure I was honest with you.","start_word":3296,"end_word":3366,"sentiment":"neutral","sentiment_score":0.0910826027393341},{"text":"I don't want to give you a plan that says, hey. In ten years' time, I didn't expect you to have $40,000. That's not a great plan. That's not putting you in a good position in any way, shape, or form.","start_word":3367,"end_word":3407,"sentiment":"negative","sentiment_score":-0.5796511769294739},{"text":"So, No. Well, I'll yeah. What I'll do is I'll I'll speak to the lawyers and whatnot, yeah, see what they've got planned. And I'll keep it open for till the end of the year at least Yep. So that's when I'll find out exactly what's going on. So it's twelve months after the operation, they said, then I'll then I'll find out what's going on. Okay. That's that's supposed to be the full recovery time. Okay.","start_word":3408,"end_word":3484,"sentiment":"neutral","sentiment_score":0.004799738139301152},{"text":"Beautiful.","start_word":3485,"end_word":3485,"sentiment":"positive","sentiment_score":0.5006178021430969},{"text":"For twelve months. So what I might even do sorry. With the with the advice document, I might just limit the projections to say one to two to five years just to sort of see where we are in the shorter term because then we know we can always update the advice. We can always look at things again in a few months' time when you've met that twelve months. Does that sound Yep. okay for you? Yeah. Yep.","start_word":3486,"end_word":3564,"sentiment":"neutral","sentiment_score":0.03749866783618927},{"text":"Beautiful.","start_word":3565,"end_word":3565,"sentiment":"positive","sentiment_score":0.3939914107322693},{"text":"And has the so you've got that twelve months coming up for the lawyers. Has workers' compensation sort of put out anything with regard to doing a bit of a payout? Have they sort of had that had a talk about where they're going with that at the moment, or is that all gonna happen when you to twelve months? I'd say I'd no more at twelve months, but Okay. I'm I'm assuming the the insurance company will take this on as long as long as they can, I think? It's the Yes. I think it's my lawyers that'll end up just down here, have a Yep. payout. Yeah. Because insurance is just a pain in the bum. It really is. It really is. And you've got so much going on, and all you wanna do is, you know, work Move and on. live and survive. Yeah. Yeah. I'm so sorry you're going through all this, Ross. It's a lot. It's okay. It is what it is. Yeah. Yeah. Well, I promise I will look after you here, and I'll look after you, And I'll have every tough conversation, and I'll do every projection I possibly can to see how I can put you in a better position and keep things working for you. Okay?","start_word":3566,"end_word":3780,"sentiment":"neutral","sentiment_score":-0.029670318588614464},{"text":"Thank you very much. Much appreciated. That's okay.","start_word":3781,"end_word":3788,"sentiment":"positive","sentiment_score":0.602043628692627},{"text":"Again, I'm so sorry it wasn't the best conversation, but I I I I'm an honest person. I feel it's better to be honest and talk things through with you than to just say, here's a projection.","start_word":3789,"end_word":3825,"sentiment":"neutral","sentiment_score":-0.10875232517719267},{"text":"Your sleep is gonna deplete.","start_word":3826,"end_word":3830,"sentiment":"negative","sentiment_score":-0.6058109998703003},{"text":"It's what it is. I'd rather find a way to fight for you. And as, you know, as an adviser, we have a fiduciary duty to look after our clients and work in your best interest and put that above everything else. So Yep. it's important that I do have these conversations with you. But if it's okay, I've rebooked you in for next Thursday if it's at all possible just to maybe, hopefully, have this advice document completed and re have that ready to present. Would 10:30 next Thursday be okay for you? Nothing next week, actually. I'm I'll be Okay. away. Okay. That's fine. Having a holiday. What's oh, will you enjoy that? That's Yeah. you deserve it. What about the following week? Yeah. I've got Yeah. plenty of time the following week. When would sort of suit you to run through that one? With Suzette and everything, probably 11:00 ish. Next Thursday or any day? The following. The Not the following not next Thursday? Thursday. Thursday up. Yep. Perfect. That's the May 14, and I'll pop it in there Yeah. for 11AM there for you that day. Okay?","start_word":3831,"end_word":4021,"sentiment":"neutral","sentiment_score":0.07079705595970154},{"text":"Beautiful. Beautiful. Thank you so much for that. I'll let you go.","start_word":4022,"end_word":4033,"sentiment":"positive","sentiment_score":0.5021446347236633},{"text":"I'll go back to looking at everything and doing those projections. I will probably just send you an email today with an updated projection to sort of show you where this might be tracking. And if it's still depleting your super, we can always come back and look at what else we can do. Okay? Okay.","start_word":4034,"end_word":4089,"sentiment":"neutral","sentiment_score":0.13311783969402313},{"text":"All good, Russell.","start_word":4090,"end_word":4092,"sentiment":"positive","sentiment_score":0.44003501534461975},{"text":"I'll leave you to your day.","start_word":4093,"end_word":4098,"sentiment":"neutral","sentiment_score":0.2964158356189728},{"text":"Hopefully, you have a good relaxing day, and I'll get stuck into this research for you. Not a problem. Thank you very much. My pleasure.","start_word":4099,"end_word":4123,"sentiment":"positive","sentiment_score":0.6992868781089783},{"text":"If there's anything else you need at any point, please let me know. I'll also, in the email, just add down the requirements for claiming on TBD. That way when you're at the doctors, you can say this is what I need to be able to claim, and this is where I'm at currently. And then they can sort of help to guide you when that might be appropriate for you. Okay? Yep. Not Yeah. a problem.","start_word":4124,"end_word":4200,"sentiment":"neutral","sentiment_score":0.1909613460302353},{"text":"Alright. Thanks for your time, Ross. I really appreciate it. I hope you have a good relaxing day. Same with yourself. Thank you.","start_word":4201,"end_word":4223,"sentiment":"positive","sentiment_score":0.720011830329895},{"text":"I'll talk Same to you soon.","start_word":4224,"end_word":4229,"sentiment":"neutral","sentiment_score":0.29530879855155945},{"text":"with you. Thanks.","start_word":4230,"end_word":4232,"sentiment":"positive","sentiment_score":0.42350149154663086},{"text":"Bye. Bye.","start_word":4233,"end_word":4234,"sentiment":"neutral","sentiment_score":0.26357293128967285}],"average":{"sentiment":"neutral","sentiment_score":-0.03450967367593344}}}}