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I have no idea what happened before. I don't know whether I went through your voice mail or whether you answered and oh, good. Yeah. Because it doesn't it never, like, indicated that it was going to voice mail. It just literally engages the call as if it's answered. Cool. No. That's cool. Amazing. So the reason for my call today was to go through and have a chat to you about the insurance application that we have submitted. Now to refresh you on all of the situations and where everything sits, I'm just bringing back up your statement of advice so I can remember myself. So with respect to the application, we're applying for life insurance with Zurich for a million dollars. We're looking at life insurance only. Currently, you have your towel policy, which is $7.41, so let's just three quarters of the mill. That policy is currently costing you $3 a year. Now with the Zurich policy, they have come back with a loading on the policy to the vein of 50%. So what that basically does is that changes the premium a little bit in respect to what we applied for originally to what we've actually got in underwriting. However, it still so what we applied for originally was for the million dollars, and it was gonna cost $1,305.04. It now becomes 1,954 and 56. So we are still very much saving in respect to what you're currently paying with TAO to what the Zurich policy is. It's just not quite as much of a saving as what we're obviously hoping. So the 50% loading, it's it's BMI and also abnormal renal function in the reports that they received. If we're able to get those under control, we can definitely review getting the loading removed. But whilst there's that associated risk, they cover themselves by loading things. Are you still comfortable to go ahead with the policy? Yeah. Yeah. It's $3. You're getting $250 left. So 250,000. So, yeah, like, we're still we're still saving over a thousand dollars a year, and we're getting an extra 250 k on the policy. Okay. Cool. I will send you the revised terms just so you can sign and acknowledge, and we'll get that submitted. As soon as that's enforced, we cancel how any premiums you paid for the year pro will get pro rata paid back to the fund. So that way, you're basically on your policy kicks in and your old policy drops off. Okay. Perfect. I'll get that all actioned for you, so you'll have an email from me very shortly. No. Thank you so much for calling me back. I appreciate it. Yes. Have a good afternoon. 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speaking. Who? Sorry? Oh, sick ass. I fucking called him twice, and it just answered and then nothing.\n\nHappiness. Put him through. Hi, Jason. How are you going? Yeah.\n\nGood. I have no idea what happened before. I don't know whether I went through your voice mail or whether you answered and oh, good. Yeah. Because it doesn't it never, like, indicated that it was going to voice mail.\n\nIt just literally engages the call as if it's answered. Cool. No. That's cool. Amazing.\n\nSo the reason for my call today was to go through and have a chat to you about the insurance application that we have submitted. Now to refresh you on all of the situations and where everything sits, I'm just bringing back up your statement of advice so I can remember myself. So with respect to the application, we're applying for life insurance with Zurich for a million dollars. We're looking at life insurance only. Currently, you have your towel policy, which is $7.41, so let's just three quarters of the mill.\n\nThat policy is currently costing you $3 a year. Now with the Zurich policy, they have come back with a loading on the policy to the vein of 50%. So what that basically does is that changes the premium a little bit in respect to what we applied for originally to what we've actually got in underwriting. However, it still so what we applied for originally was for the million dollars, and it was gonna cost $1,305.04. It now becomes 1,954 and 56.\n\nSo we are still very much saving in respect to what you're currently paying with TAO to what the Zurich policy is. It's just not quite as much of a saving as what we're obviously hoping. So the 50% loading, it's it's BMI and also abnormal renal function in the reports that they received. If we're able to get those under control, we can definitely review getting the loading removed. But whilst there's that associated risk, they cover themselves by loading things.\n\nAre you still comfortable to go ahead with the policy? Yeah. Yeah. It's $3. You're getting $250 left.\n\nSo 250,000. So, yeah, like, we're still we're still saving over a thousand dollars a year, and we're getting an extra 250 k on the policy. Okay. Cool. I will send you the revised terms just so you can sign and acknowledge, and we'll get that submitted.\n\nAs soon as that's enforced, we cancel how any premiums you paid for the year pro will get pro rata paid back to the fund. So that way, you're basically on your policy kicks in and your old policy drops off. Okay. Perfect. I'll get that all actioned for you, so you'll have an email from me very shortly.\n\nNo. Thank you so much for calling me back. I appreciate it. Yes. Have a good afternoon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Larissa speaking.","start":1.5999999,"end":2.58,"sentiment":"neutral","sentiment_score":-0.0009227705886587502},{"text":"Who?","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.04618052393198013},{"text":"Sorry?","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":-0.0712454542517662},{"text":"Oh, sick ass.","start":9.599999,"end":10.88,"sentiment":"neutral","sentiment_score":-0.21952350934346518},{"text":"I fucking called him twice, and it just answered and then nothing.","start":10.88,"end":13.7,"sentiment":"negative","sentiment_score":-0.4571327492594719}],"sentiment":"neutral","sentiment_score":-0.3296544757107959,"num_words":19,"start":1.5999999,"end":13.7},{"sentences":[{"text":"Happiness.","start":16.635,"end":17.135,"sentiment":"neutral","sentiment_score":0.19502823054790497},{"text":"Put him 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I've got Jason Miller on the phone. Jason Miller? Is that who you wanted? Yep. Yeah. Well, I've got him on the phone now. Perfect. You've got him in 321. Hi. Good. How are you, Lisa? It went to voice mail. Yeah. No. I actually didn't answer because I was just trying to get into the car. And for some reason, it sends it like it's kind of voice mail where people go, hello? And that's all I get back then as a, like, a transcript. So so it's all good. I got it now. So yeah. Correct. Yeah. I don't know what's going on there. Yes. Correct. Yeah. Yep. What does what does that mean? Dollars dollars cents, etcetera. How does that look there? Yep. Did did they what what was the justification for such a high loading? Yeah. That's huge. Right. Okay. Fine. Okay. That's fine. Yep. Yep. Okay. Wow. I'm I'm just comfortable to keep doing that. I think the one with health over the top what they wanna charge. So just wow. Yeah. More than comfortable to go ahead or something. Awesome. 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fine.","start":202.61,"end":203.43,"sentiment":"neutral","sentiment_score":0.13309264928102493}],"sentiment":"neutral","sentiment_score":0.07333800693353017,"num_words":6,"start":197.105,"end":203.43},{"sentences":[{"text":"Yep.","start":222.335,"end":222.735,"sentiment":"neutral","sentiment_score":0.04454449936747551},{"text":"Yep.","start":222.735,"end":223.235,"sentiment":"neutral","sentiment_score":0.053222667425870895},{"text":"Okay.","start":223.295,"end":223.795,"sentiment":"neutral","sentiment_score":0.08626136928796768},{"text":"Wow.","start":226.255,"end":226.755,"sentiment":"neutral","sentiment_score":0.1250385046005249},{"text":"I'm I'm just comfortable to keep doing that.","start":229.69,"end":232.09,"sentiment":"neutral","sentiment_score":0.055887649301439524}],"sentiment":"neutral","sentiment_score":0.06301401959111293,"num_words":12,"start":222.335,"end":232.09},{"sentences":[{"text":"I think the one with health over the top what they wanna charge.","start":232.09,"end":236.11,"sentiment":"neutral","sentiment_score":-0.06544738105283333},{"text":"So just wow.","start":236.89,"end":238.35,"sentiment":"neutral","sentiment_score":0.02244913453857104},{"text":"Yeah.","start":241.77,"end":242.27,"sentiment":"neutral","sentiment_score":0.04732224717736244},{"text":"More than comfortable to go ahead or something.","start":255.33499,"end":257.595,"sentiment":"neutral","sentiment_score":0.14748310204595327},{"text":"Awesome.","start":277.36502,"end":277.86502,"sentiment":"positive","sentiment_score":0.35955166816711426}],"sentiment":"neutral","sentiment_score":0.030895006986191638,"num_words":26,"start":232.09,"end":277.86502},{"sentences":[{"text":"So really thank you so much.","start":280.48502,"end":286.505,"sentiment":"positive","sentiment_score":0.39102516571680707},{"text":"Thanks, Larissa.","start":290.63895,"end":291.51895,"sentiment":"positive","sentiment_score":0.39952102303504944},{"text":"Talk to you soon.","start":291.51895,"end":294.15894,"sentiment":"positive","sentiment_score":0.3459128215909004},{"text":"Thanks.","start":294.15894,"end":294.65894,"sentiment":"neutral","sentiment_score":0.30375203490257263},{"text":"Bye.","start":295.51895,"end":296.01895,"sentiment":"neutral","sentiment_score":0.15162701904773712}],"sentiment":"positive","sentiment_score":0.3560159557632038,"num_words":14,"start":280.48502,"end":296.01895}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Larissa speaking.\n\nChannel 1: Larissa speaking. I've got Jason Miller on the phone.\n\nChannel 0: Who? Sorry?\n\nChannel 1: Jason Miller?\n\nChannel 0: Oh,\n\nChannel 1: Is that who you wanted?\n\nChannel 0: sick ass. I fucking called\n\nChannel 1: Yep.\n\nChannel 0: him twice, and it just answered and then nothing.\n\nChannel 1: Yeah. Well, I've got him on the phone now.\n\nChannel 0: Happiness. Put him through.\n\nChannel 1: Perfect. You've got him in 321.\n\nChannel 0: Hi, Jason. How are you going?\n\nChannel 1: Hi. Good. How are you, Lisa?\n\nChannel 0: Yeah. Good. I have no idea what happened before. I don't know whether I went through your voice mail or whether you\n\nChannel 1: It\n\nChannel 0: answered and\n\nChannel 1: went to voice mail. Yeah. No. I actually didn't\n\nChannel 0: oh, good.\n\nChannel 1: answer because I was just trying to get into the car. And for some reason, it sends it like it's kind of voice mail where people go, hello? And that's all I get back then as a, like, a transcript. So so it's all good. I got it now.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Because it doesn't it never, like, indicated that it was going to voice mail. It just literally engages the call as if it's answered.\n\nChannel 1: Correct. Yeah. I don't know what's going on there.\n\nChannel 0: Cool. No. That's cool. Amazing. So the reason for my call today was to go through and have a chat to you about the insurance application\n\nChannel 1: Yes.\n\nChannel 0: that we have submitted. Now to refresh you on all of the situations and where everything sits, I'm just bringing back up your statement of advice so I can remember myself. So with respect to the application, we're applying for life insurance with Zurich\n\nChannel 1: Correct.\n\nChannel 0: for a million dollars. We're looking at life insurance only. Currently, you have your towel policy, which is $7.41, so let's just three quarters of the mill. That policy is currently costing you $3 a year. Now\n\nChannel 1: Yeah.\n\nChannel 0: with the Zurich policy, they have come back with a loading on the policy to the vein of 50%. So what that basically does is that changes the premium a little bit in respect to what we applied for originally to what we've actually got in underwriting.\n\nChannel 1: Yep. What\n\nChannel 0: However,\n\nChannel 1: does what does\n\nChannel 0: it\n\nChannel 1: that\n\nChannel 0: still\n\nChannel 1: mean? Dollars dollars cents, etcetera. How does that look there?\n\nChannel 0: so what we applied for originally was for the million dollars, and it was gonna cost $1,305.04. It\n\nChannel 1: Yep.\n\nChannel 0: now becomes 1,954 and 56. So we are still very much saving in respect to what you're currently paying with TAO to what the Zurich policy is. It's just not quite as much of a saving as what we're obviously hoping.\n\nChannel 1: Did did they what what was the justification for such a high loading?\n\nChannel 0: So the 50% loading,\n\nChannel 1: Yeah. That's huge.\n\nChannel 0: it's it's BMI and also abnormal renal function in the reports\n\nChannel 1: Right.\n\nChannel 0: that they received.\n\nChannel 1: Okay. Fine. Okay. That's fine.\n\nChannel 0: If we're able to get those under control, we can definitely review getting the loading removed. But whilst there's that associated risk, they cover themselves by loading things.\n\nChannel 1: Yep. Yep. Okay. Wow.\n\nChannel 0: Are you still comfortable to go ahead with the policy?\n\nChannel 1: I'm I'm just comfortable to keep doing that. I think the one with health over the top what they wanna charge.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So just\n\nChannel 0: It's $3.\n\nChannel 1: wow.\n\nChannel 0: You're getting $250 left. So\n\nChannel 1: Yeah.\n\nChannel 0: 250,000. So, yeah, like, we're still we're still saving over a thousand dollars a year, and we're getting an extra 250 k on the policy.\n\nChannel 1: More than comfortable to go ahead or something.\n\nChannel 0: Okay. Cool. I will send you the revised terms just so you can sign and acknowledge, and we'll get that submitted. As soon as that's enforced, we cancel how any premiums you paid for the year pro will get pro rata paid back to the fund. So that way, you're basically on your policy kicks in and your old policy drops off.\n\nChannel 1: Awesome.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: So\n\nChannel 0: I'll\n\nChannel 1: really\n\nChannel 0: get that all actioned for you, so you'll have an email from me very shortly.\n\nChannel 1: thank you so much.\n\nChannel 0: No. Thank you so much for calling me back. I appreciate\n\nChannel 1: Thanks, Larissa. Talk to you\n\nChannel 0: it. Yes. Have a good\n\nChannel 1: soon.\n\nChannel 0: afternoon.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Larissa speaking.","start":1.5999999,"end":2.58,"sentiment":"neutral","sentiment_score":-0.0009227705886587502}],"sentiment":"neutral","sentiment_score":-0.0009227705886587502,"channel":0,"num_words":2,"start":1.5999999,"end":2.58},{"sentences":[{"text":"Larissa speaking.","start":3.28,"end":4.16,"sentiment":"neutral","sentiment_score":-0.0030095373513177037},{"text":"I've got Jason Miller on the phone.","start":4.16,"end":5.8599997,"sentiment":"neutral","sentiment_score":-0.018597053896103586}],"sentiment":"neutral","sentiment_score":-0.015133161330595613,"channel":1,"num_words":9,"start":3.28,"end":5.8599997},{"sentences":[{"text":"Who?","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.04618052393198013},{"text":"Sorry?","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":-0.0712454542517662}],"sentiment":"neutral","sentiment_score":-0.05871298909187317,"channel":0,"num_words":2,"start":7.04,"end":7.8599997},{"sentences":[{"text":"Jason Miller?","start":8.16,"end":9.22,"sentiment":"neutral","sentiment_score":-0.05712727643549442}],"sentiment":"neutral","sentiment_score":-0.05712727643549442,"channel":1,"num_words":2,"start":8.16,"end":9.22},{"sentences":[{"text":"Oh,","start":9.599999,"end":10.099999,"sentiment":"neutral","sentiment_score":-0.13812842965126038}],"sentiment":"neutral","sentiment_score":-0.13812842965126038,"channel":0,"num_words":1,"start":9.599999,"end":10.099999},{"sentences":[{"text":"Is that who you wanted?","start":9.679999,"end":10.74,"sentiment":"neutral","sentiment_score":-0.2154904007911682}],"sentiment":"neutral","sentiment_score":-0.2154904007911682,"channel":1,"num_words":5,"start":9.679999,"end":10.74},{"sentences":[{"text":"sick ass.","start":10.24,"end":10.88,"sentiment":"neutral","sentiment_score":-0.26022104918956757},{"text":"I fucking 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now.","start":14.575001,"end":16.275002,"sentiment":"neutral","sentiment_score":0.05399005301296711}],"sentiment":"neutral","sentiment_score":0.03896169281668133,"channel":1,"num_words":9,"start":14.255,"end":16.275002},{"sentences":[{"text":"Happiness.","start":16.635,"end":17.135,"sentiment":"neutral","sentiment_score":0.19502823054790497},{"text":"Put him through.","start":17.595001,"end":18.575,"sentiment":"neutral","sentiment_score":0.17622565726439157}],"sentiment":"neutral","sentiment_score":0.18092630058526993,"channel":0,"num_words":4,"start":16.635,"end":18.575},{"sentences":[{"text":"Perfect.","start":19.135,"end":19.535,"sentiment":"neutral","sentiment_score":0.31616246700286865},{"text":"You've got him in 321.","start":19.535,"end":21.395,"sentiment":"neutral","sentiment_score":0.09424079954624176}],"sentiment":"neutral","sentiment_score":0.13122774412234625,"channel":1,"num_words":6,"start":19.135,"end":21.395},{"sentences":[{"text":"Hi, Jason.","start":24.715,"end":25.695,"sentiment":"neutral","sentiment_score":0.07310635596513748},{"text":"How are you going?","start":25.915,"end":26.895,"sentiment":"neutral","sentiment_score":0.08345267362892628}],"sentiment":"neutral","sentiment_score":0.08000390107433002,"channel":0,"num_words":6,"start":24.715,"end":26.895},{"sentences":[{"text":"Hi.","start":26.415,"end":26.915,"sentiment":"neutral","sentiment_score":0.07117771357297897},{"text":"Good.","start":27.38,"end":27.539999,"sentiment":"neutral","sentiment_score":0.12388463318347932},{"text":"How are you, Lisa?","start":27.539999,"end":28.76,"sentiment":"neutral","sentiment_score":0.09128046035766602}],"sentiment":"neutral","sentiment_score":0.09336403136452039,"channel":1,"num_words":6,"start":26.415,"end":28.76},{"sentences":[{"text":"Yeah.","start":29.74,"end":30.140001,"sentiment":"neutral","sentiment_score":0.050783462822437286},{"text":"Good.","start":30.140001,"end":30.460001,"sentiment":"neutral","sentiment_score":0.06740398705005646},{"text":"I have no idea what happened before.","start":30.460001,"end":31.98,"sentiment":"neutral","sentiment_score":-0.16811477712222508},{"text":"I don't know whether I went through your voice mail or whether you","start":31.98,"end":35.15333,"sentiment":"neutral","sentiment_score":-0.09151358128740238}],"sentiment":"neutral","sentiment_score":-0.10219511575996876,"channel":0,"num_words":22,"start":29.74,"end":35.15333},{"sentences":[{"text":"It","start":35.14,"end":35.379997,"sentiment":"neutral","sentiment_score":-0.07240299135446548}],"sentiment":"neutral","sentiment_score":-0.07240299135446548,"channel":1,"num_words":1,"start":35.14,"end":35.379997},{"sentences":[{"text":"answered and","start":35.15333,"end":35.260002,"sentiment":"neutral","sentiment_score":-0.06605437956750393}],"sentiment":"neutral","sentiment_score":-0.06605437956750393,"channel":0,"num_words":2,"start":35.15333,"end":35.260002},{"sentences":[{"text":"went to voice mail.","start":35.379997,"end":36.76,"sentiment":"neutral","sentiment_score":-0.07231695856899023},{"text":"Yeah.","start":36.82,"end":37.059998,"sentiment":"neutral","sentiment_score":-0.055530257523059845},{"text":"No.","start":37.059998,"end":37.379997,"sentiment":"neutral","sentiment_score":-0.12526331841945648},{"text":"I actually didn't","start":37.379997,"end":38.1,"sentiment":"neutral","sentiment_score":-0.1302413543065389}],"sentiment":"neutral","sentiment_score":-0.0956428303486771,"channel":1,"num_words":9,"start":35.379997,"end":38.1},{"sentences":[{"text":"oh, good.","start":37.82,"end":38.48,"sentiment":"neutral","sentiment_score":-0.10305192321538925}],"sentiment":"neutral","sentiment_score":-0.10305192321538925,"channel":0,"num_words":2,"start":37.82,"end":38.48},{"sentences":[{"text":"answer because I was just trying to get into the car.","start":38.1,"end":41.235,"sentiment":"neutral","sentiment_score":-0.09755152734843167},{"text":"And for some reason, it sends it like it's kind of voice mail where people go, hello?","start":41.715,"end":47.175,"sentiment":"neutral","sentiment_score":-0.06798795610666275},{"text":"And that's all I get back then as a, like, a transcript.","start":47.475,"end":50.615,"sentiment":"neutral","sentiment_score":-0.004234533233102411},{"text":"So so it's all good.","start":50.915,"end":52.035,"sentiment":"neutral","sentiment_score":0.2626893639564514},{"text":"I got it now.","start":52.035,"end":52.835,"sentiment":"neutral","sentiment_score":0.14905259758234024}],"sentiment":"neutral","sentiment_score":-0.0075514131292168584,"channel":1,"num_words":49,"start":38.1,"end":52.835},{"sentences":[{"text":"Yeah.","start":52.635,"end":53.1,"sentiment":"neutral","sentiment_score":0.014082071371376514}],"sentiment":"neutral","sentiment_score":0.014082071371376514,"channel":0,"num_words":1,"start":52.635,"end":53.1},{"sentences":[{"text":"So yeah.","start":52.835,"end":53.575,"sentiment":"neutral","sentiment_score":0.003195305820554495}],"sentiment":"neutral","sentiment_score":0.003195305820554495,"channel":1,"num_words":2,"start":52.835,"end":53.575},{"sentences":[{"text":"Because it doesn't it never, like, indicated that it was going to voice mail.","start":54.539997,"end":59.1,"sentiment":"neutral","sentiment_score":-0.05161998514086008},{"text":"It just literally engages the call as if it's answered.","start":59.1,"end":62.64,"sentiment":"neutral","sentiment_score":-0.0677165511995554}],"sentiment":"neutral","sentiment_score":-0.05832688766531646,"channel":0,"num_words":24,"start":54.539997,"end":62.64},{"sentences":[{"text":"Correct.","start":64.19,"end":64.59,"sentiment":"neutral","sentiment_score":-0.01917126215994358},{"text":"Yeah.","start":64.59,"end":64.909996,"sentiment":"neutral","sentiment_score":-0.04937220364809036},{"text":"I don't know what's going on 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dollars cents, etcetera.","start":148.87001,"end":150.89,"sentiment":"neutral","sentiment_score":-0.01016425178386271},{"text":"How does that look there?","start":151.43001,"end":154.09001,"sentiment":"neutral","sentiment_score":-0.014637117087841035}],"sentiment":"neutral","sentiment_score":-0.01390429949387908,"channel":1,"num_words":10,"start":148.55,"end":154.09001},{"sentences":[{"text":"so what we applied for originally was for the million dollars, and it was gonna cost 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that all actioned for you, so you'll have an email from me very shortly.","start":280.86002,"end":284.0,"sentiment":"positive","sentiment_score":0.3742944041887919}],"sentiment":"positive","sentiment_score":0.3742944041887919,"channel":0,"num_words":15,"start":280.86002,"end":284.0},{"sentences":[{"text":"thank you so much.","start":285.285,"end":286.505,"sentiment":"positive","sentiment_score":0.3950514793395996}],"sentiment":"positive","sentiment_score":0.3950514793395996,"channel":1,"num_words":4,"start":285.285,"end":286.505},{"sentences":[{"text":"No.","start":287.445,"end":287.765,"sentiment":"neutral","sentiment_score":0.13749930262565613},{"text":"Thank you so much for calling me back.","start":287.765,"end":289.285,"sentiment":"positive","sentiment_score":0.33965931832790375},{"text":"I 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customer named Jason Miller called an insurance company to discuss his insurance application. He explains that he had trouble reaching the representative because of a voice mail that answered and wouldn't answer. The representative explains that the insurance company is still saving on his policy and that he will receive a revised terms soon."},"intents":{"segments":[{"text":"Did did they what what was the justification for such a high loading?","start_word":424,"end_word":436,"intents":[{"intent":"Discuss impact of high loading on policy","confidence_score":0.0003468678}]}]},"sentiments":{"segments":[{"text":"Larissa speaking. Larissa speaking. I've got Jason Miller on the phone. Who? Sorry? Jason Miller? Oh, Is that who you sick wanted? ass.","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":-0.08772611618041992},{"text":"I fucking called Yep. him twice, and it just answered and then nothing.","start_word":23,"end_word":35,"sentiment":"negative","sentiment_score":-0.4923884868621826},{"text":"Yeah. Well, I've got him on the phone now. Happiness. Put him through. Perfect. You've got him in 321. Hi, Jason. How are you going? Hi. Good. How are you, Lisa? Yeah. Good. I have no idea what happened before. I don't know whether I went through your voice mail or whether you It answered and went to voice mail. Yeah. No. I actually didn't oh, good. answer because I was just trying to get into the car. And for some reason, it sends it like it's kind of voice mail where people go, hello? And that's all I get back then as a, like, a transcript. So so it's all good. I got it now. Yeah. So yeah. Because it doesn't it never, like, indicated that it was going to voice mail. It just literally engages the call as if it's answered. Correct. Yeah. I don't know what's going on there. Cool. No. That's cool. Amazing. So the reason for my call today was to go through and have a chat to you about the insurance application Yes. that we have submitted. Now to refresh you on all of the situations and where everything sits, I'm just bringing back up your statement of advice so I can remember myself. So with respect to the application, we're applying for life insurance with Zurich Correct. for a million dollars. We're looking at life insurance only. Currently, you have your towel policy, which is $7.41, so let's just three quarters of the mill. That policy is currently costing you $3 a year. Now Yeah. with the Zurich policy, they have come back with a loading on the policy to the vein of 50%. So what that basically does is that changes the premium a little bit in respect to what we applied for originally to what we've actually got in underwriting. Yep. What However, does what does it that still mean? Dollars dollars cents, etcetera. How does that look there? so what we applied for originally was for the million dollars, and it was gonna cost $1,305.04. It Yep. now becomes 1,954 and 56. So we are still very much saving in respect to what you're currently paying with TAO to what the Zurich policy is. It's just not quite as much of a saving as what we're obviously hoping. Did did they what what was the justification for such a high loading? So the 50% loading, Yeah. That's huge. it's it's BMI and also abnormal renal function in the reports Right. that they received. Okay. Fine. Okay. That's fine. If we're able to get those under control, we can definitely review getting the loading removed. But whilst there's that associated risk, they cover themselves by loading things. Yep. Yep. Okay. Wow. Are you still comfortable to go ahead with the policy? I'm I'm just comfortable to keep doing that. I think the one with health over the top what they wanna charge. Yeah. Yeah. So just It's $3. wow. You're getting $250 left. So Yeah. 250,000. So, yeah, like, we're still we're still saving over a thousand dollars a year, and we're getting an extra 250 k on the policy. More than comfortable to go ahead or something. Okay. Cool. I will send you the revised terms just so you can sign and acknowledge, and we'll get that submitted. As soon as that's enforced, we cancel how any premiums you paid for the year pro will get pro rata paid back to the fund. So that way, you're basically on your policy kicks in and your old policy drops off.","start_word":36,"end_word":634,"sentiment":"neutral","sentiment_score":0.02130372402800841},{"text":"Awesome.","start_word":635,"end_word":635,"sentiment":"positive","sentiment_score":0.35955166816711426},{"text":"Okay.","start_word":636,"end_word":636,"sentiment":"neutral","sentiment_score":0.31331443786621094},{"text":"Perfect. So I'll really get that all actioned for you, so you'll have an email from me very shortly. thank you so much.","start_word":637,"end_word":659,"sentiment":"positive","sentiment_score":0.38930198550224304},{"text":"No.","start_word":660,"end_word":660,"sentiment":"neutral","sentiment_score":0.13749930262565613},{"text":"Thank you so much for calling me back. I appreciate Thanks, Larissa.","start_word":661,"end_word":672,"sentiment":"positive","sentiment_score":0.37138617038726807},{"text":"Talk to you it. Yes.","start_word":673,"end_word":677,"sentiment":"neutral","sentiment_score":0.30415818095207214},{"text":"Have a good soon.","start_word":678,"end_word":681,"sentiment":"positive","sentiment_score":0.3836814761161804},{"text":"afternoon. Thanks. Bye. Bye.","start_word":682,"end_word":685,"sentiment":"neutral","sentiment_score":0.2057699840515852}],"average":{"sentiment":"neutral","sentiment_score":0.032432431717774435}}}}