{"metadata":{"transaction_key":"deprecated","request_id":"019f8802-8e76-76e1-8753-efab69326e8f","sha256":"d05402b1674ce94d7daeb7b6d35a1dcc374499db1d35c207dad5adea8167b737","created":"2026-07-22T04:08:18.827Z","duration":293.61594,"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":1101,"output_tokens":85},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1197,"output_tokens":1200},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":1197,"output_tokens":140}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Robert. It's Dana from Oakley Financial. How are you this afternoon? That's good. I just had you booked in for a quick catch up there. The simulation to the insurance is that we went through with regards to your annual review. You were going to go back and have a chat to your wife and have a look at whether you wanted to retain those or not. Mhmm. Yeah. I mean, with with the cover you have at the moment, the life cover within Australian Super, we've got 9,000 of life, 5,000 of TBD, and the income protection is about 2,700 per month pretax. But if I have a look at your circumstances here, so you do have a bit of a mortgage. And if you look at the option of canceling the cover you have so if we go sorry. Just adding it together. So 938231 26705. So with your two super funds, if you look to consolidate them, it essentially gives you about a 120,528 in super of the total balance. Your mortgage last time we caught up, you said, was roughly about 150,000 there. So if you were to pass away without having that 9,000 of life cover, the 120 would essentially almost pay out the mortgage completely. It would leave about 30,000 give or take. Alternatively, you know, if you were to pass away, that doesn't have to be paying out the mortgage. Essentially, you could your partner could just receive that and utilize the money to pay it down, you know, continue to pay the mortgage repayment. Obviously, building up your super and having it in one place is really good because that way, you know, more money makes more money. So having it in one super fund can save you administration fees, investment fees, and mean you are paying less fees out of your super, which is a benefit. But the if you do choose to cancel, the other side of the risk factor is once they are canceled, if you decide you do want some cover back again, we have to reapply. It can be expensive. There can be loading, exclusions are possible to decline depending on your health. So it is harder to get the cover back once you have canceled it. In saying that yeah. It's not much. Exactly. Yeah. Yeah. And, I mean, that's $700 that's sitting that you are paying. So $724 for the premium there. So $7.24. If we multiply that by eight years, that's an extra $5,700 that you could have sitting in super working harder for you as well. Yeah. Yeah. What are you thinking? What would you like me to look at doing advice wise for you? Yep. Yep. Roll it all into one and have it all working harder. The hub. That's okay. We will provide you with the contributions form. You'll just need to give that to your your payroll, and they can organize and automatically set that up for you. Okay? Yep. Yeah. Absolutely. Not a problem at all. I will factor that into the advice for you. I'll note down that you're not interested in keeping the insurances anymore. You're happy to roll everything into one. I will factor that into the advice. We'll look at how that looks over the next couple of years for you towards your retirement goals. And once I've got the advice document ready, we'll come back together. We'll go through that so you can see it. You can then take it and show your wife and look at, you know, how that looks for the both of you, and then you can tell me what you wanna do. Okay? All good. Are you off to work shortly? Yep. Well, you have a lovely night. I hope thank you so much for taking my call this afternoon. All good. No worries, Robert. I just also need to let you know the DocuSign is sitting in your email there as well. I'm just gonna resend it through to you so it's at the top. When you get a second, if you can just pop into your email there for us and sign that one, that's just the ongoing services agreement for the next twelve months as well. Okay? Beautiful. Thanks thanks, Robert. I'll get that advice updated for you as soon as possible, and we'll talk again in a couple of weeks and go through it together. Thank you. Have a great afternoon. See you later. 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Robert. It's Dana from Oakley Financial. How are you this afternoon? That's good. I just had you booked in for a quick catch up there.\n\nThe simulation to the insurance is that we went through with regards to your annual review. You were going to go back and have a chat to your wife and have a look at whether you wanted to retain those or not. Mhmm. Yeah. I mean, with with the cover you have at the moment, the life cover within Australian Super, we've got 9,000 of life, 5,000 of TBD, and the income protection is about 2,700 per month pretax.\n\nBut if I have a look at your circumstances here, so you do have a bit of a mortgage. And if you look at the option of canceling the cover you have so if we go sorry. Just adding it together. So 938231 26705. So with your two super funds, if you look to consolidate them, it essentially gives you about a 120,528 in super of the total balance.\n\nYour mortgage last time we caught up, you said, was roughly about 150,000 there. So if you were to pass away without having that 9,000 of life cover, the 120 would essentially almost pay out the mortgage completely. It would leave about 30,000 give or take. Alternatively, you know, if you were to pass away, that doesn't have to be paying out the mortgage. Essentially, you could your partner could just receive that and utilize the money to pay it down, you know, continue to pay the mortgage repayment.\n\nObviously, building up your super and having it in one place is really good because that way, you know, more money makes more money. So having it in one super fund can save you administration fees, investment fees, and mean you are paying less fees out of your super, which is a benefit. But the if you do choose to cancel, the other side of the risk factor is once they are canceled, if you decide you do want some cover back again, we have to reapply. It can be expensive. There can be loading, exclusions are possible to decline depending on your health.\n\nSo it is harder to get the cover back once you have canceled it. In saying that yeah. It's not much. Exactly. Yeah.\n\nYeah. And, I mean, that's $700 that's sitting that you are paying. So $724 for the premium there. So $7.24. If we multiply that by eight years, that's an extra $5,700 that you could have sitting in super working harder for you as well.\n\nYeah. Yeah. What are you thinking? What would you like me to look at doing advice wise for you? Yep.\n\nYep. Roll it all into one and have it all working harder. The hub. That's okay. We will provide you with the contributions form.\n\nYou'll just need to give that to your your payroll, and they can organize and automatically set that up for you. Okay? Yep. Yeah. Absolutely.\n\nNot a problem at all. I will factor that into the advice for you. I'll note down that you're not interested in keeping the insurances anymore. You're happy to roll everything into one. I will factor that into the advice.\n\nWe'll look at how that looks over the next couple of years for you towards your retirement goals. And once I've got the advice document ready, we'll come back together. We'll go through that so you can see it. You can then take it and show your wife and look at, you know, how that looks for the both of you, and then you can tell me what you wanna do. Okay?\n\nAll good. Are you off to work shortly? Yep. Well, you have a lovely night. I hope thank you so much for taking my call this afternoon.\n\nAll good. No worries, Robert. I just also need to let you know the DocuSign is sitting in your email there as well. I'm just gonna resend it through to you so it's at the top. When you get a second, if you can just pop into your email there for us and sign that one, that's just the ongoing services agreement for the next twelve months as well.\n\nOkay? Beautiful. Thanks thanks, Robert. I'll get that advice updated for you as soon as possible, and we'll talk again in a couple of weeks and go through it together. Thank you.\n\nHave a great afternoon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Robert.","start":3.9199998,"end":4.48,"sentiment":"neutral","sentiment_score":0.03907819278538227},{"text":"It's Dana from Oakley Financial.","start":4.48,"end":6.16,"sentiment":"neutral","sentiment_score":0.008781559765338898},{"text":"How are you this afternoon?","start":6.16,"end":7.46,"sentiment":"neutral","sentiment_score":0.25162261724472046},{"text":"That's good.","start":9.76,"end":10.32,"sentiment":"positive","sentiment_score":0.6127389967441559},{"text":"I just had you booked in for a quick catch up there.","start":10.32,"end":12.24,"sentiment":"neutral","sentiment_score":0.25583811352650326}],"sentiment":"neutral","sentiment_score":0.2182966394779774,"num_words":26,"start":3.9199998,"end":12.24},{"sentences":[{"text":"The simulation to the insurance is that we went through with regards to your annual review.","start":12.24,"end":16.045,"sentiment":"neutral","sentiment_score":0.09387679700739682},{"text":"You were going to go back and have a chat to your wife and have a look at whether you wanted to retain those or not.","start":16.045,"end":21.665,"sentiment":"neutral","sentiment_score":0.03901601460977243},{"text":"Mhmm.","start":29.740002,"end":30.240002,"sentiment":"neutral","sentiment_score":-0.21423567831516263},{"text":"Yeah.","start":33.66,"end":34.16,"sentiment":"neutral","sentiment_score":-0.058045800775289536},{"text":"I mean, with with the cover you have at the moment, the life cover within Australian Super, we've got 9,000 of life, 5,000 of TBD, and the income protection is about 2,700 per month pretax.","start":34.38,"end":48.015,"sentiment":"neutral","sentiment_score":-0.01153554373553821}],"sentiment":"neutral","sentiment_score":0.023296450913141045,"num_words":79,"start":12.24,"end":48.015},{"sentences":[{"text":"But if I have a look at your circumstances here, so you do have a bit of a mortgage.","start":50.074997,"end":56.670002,"sentiment":"neutral","sentiment_score":-0.061343437943019365},{"text":"And if you look at the option of canceling the cover you have so if we go sorry.","start":57.370003,"end":64.97,"sentiment":"neutral","sentiment_score":-0.06682750944876009},{"text":"Just adding it together.","start":64.97,"end":65.93,"sentiment":"neutral","sentiment_score":0.01992181595414877},{"text":"So 938231 26705.","start":65.93,"end":71.745,"sentiment":"neutral","sentiment_score":0.02570768880347411},{"text":"So with your two super funds, if you look to consolidate them, it essentially gives you about a 120,528 in super of the total balance.","start":72.365,"end":82.64,"sentiment":"neutral","sentiment_score":0.07235165923833847}],"sentiment":"neutral","sentiment_score":-0.0058379518812981205,"num_words":69,"start":50.074997,"end":82.64},{"sentences":[{"text":"Your mortgage last time we caught up, you said, was roughly about 150,000 there.","start":83.34,"end":88.159996,"sentiment":"neutral","sentiment_score":0.00424476752855948},{"text":"So if you were to pass away without having that 9,000 of life cover, the 120 would essentially almost pay out the mortgage completely.","start":88.299995,"end":96.08,"sentiment":"neutral","sentiment_score":-0.0022996539870897927},{"text":"It would leave about 30,000 give or take.","start":96.425,"end":99.565,"sentiment":"neutral","sentiment_score":0.08115501888096333},{"text":"Alternatively, you know, if you were to pass away, that doesn't have to be paying out the mortgage.","start":100.185,"end":105.305,"sentiment":"neutral","sentiment_score":0.040080062631103724},{"text":"Essentially, you could your partner could just receive that and utilize the money to pay it down, you know, continue to pay the mortgage repayment.","start":105.305,"end":112.939995,"sentiment":"neutral","sentiment_score":0.2698640197515488}],"sentiment":"neutral","sentiment_score":0.09125299799894349,"num_words":89,"start":83.34,"end":112.939995},{"sentences":[{"text":"Obviously, building up your super and having it in one place is really good because that way, you know, more money makes more money.","start":114.35999,"end":120.03999,"sentiment":"positive","sentiment_score":0.6912282134095827},{"text":"So having it in one super fund can save you administration fees, investment fees, and mean you are paying less fees out of your super, which is a benefit.","start":120.03999,"end":127.465004,"sentiment":"positive","sentiment_score":0.6477245010178665},{"text":"But the if you do choose to cancel, the other side of the risk factor is once they are canceled, if you decide you do want some cover back again, we have to reapply.","start":128.165,"end":137.625,"sentiment":"neutral","sentiment_score":-0.24624769981293118},{"text":"It can be expensive.","start":138.47,"end":139.68999,"sentiment":"negative","sentiment_score":-0.4741906002163887},{"text":"There can be loading, exclusions are possible to decline depending on your health.","start":139.90999,"end":143.75,"sentiment":"negative","sentiment_score":-0.37792972647226775}],"sentiment":"neutral","sentiment_score":0.19414631742984056,"num_words":104,"start":114.35999,"end":143.75},{"sentences":[{"text":"So it is harder to get the cover back once you have canceled it.","start":143.75,"end":147.61,"sentiment":"negative","sentiment_score":-0.4018985352345875},{"text":"In saying that yeah.","start":147.98999,"end":150.40999,"sentiment":"neutral","sentiment_score":-0.1600499413907528},{"text":"It's not much.","start":151.72499,"end":153.105,"sentiment":"negative","sentiment_score":-0.37877939144770306},{"text":"Exactly.","start":153.245,"end":153.745,"sentiment":"neutral","sentiment_score":-0.11870869994163512},{"text":"Yeah.","start":154.36499,"end":154.86499,"sentiment":"neutral","sentiment_score":-0.08609779179096222}],"sentiment":"neutral","sentiment_score":-0.3307793010836062,"num_words":23,"start":143.75,"end":154.86499},{"sentences":[{"text":"Yeah.","start":155.00499,"end":155.50499,"sentiment":"neutral","sentiment_score":-0.10648812353610992},{"text":"And, I mean, that's $700 that's sitting that you are paying.","start":158.525,"end":162.125,"sentiment":"neutral","sentiment_score":-0.1479722871021791},{"text":"So $724 for the premium there.","start":162.125,"end":164.95,"sentiment":"neutral","sentiment_score":-0.07566958603759606},{"text":"So $7.24.","start":164.95,"end":166.15,"sentiment":"neutral","sentiment_score":-0.03952976316213608},{"text":"If we multiply that by eight years, that's an extra $5,700 that you could have sitting in super working harder for you as well.","start":166.15,"end":174.01,"sentiment":"neutral","sentiment_score":-0.11073985664794843}],"sentiment":"neutral","sentiment_score":-0.11193220190365206,"num_words":44,"start":155.00499,"end":174.01},{"sentences":[{"text":"Yeah.","start":175.59,"end":176.09,"sentiment":"neutral","sentiment_score":0.008437000215053558},{"text":"Yeah.","start":176.31,"end":176.81,"sentiment":"neutral","sentiment_score":-0.0031221695244312286},{"text":"What are you thinking?","start":176.95,"end":177.765,"sentiment":"neutral","sentiment_score":-0.022599877789616585},{"text":"What would you like me to look at doing advice wise for you?","start":177.845,"end":180.825,"sentiment":"neutral","sentiment_score":-0.017267639820392314},{"text":"Yep.","start":185.285,"end":185.685,"sentiment":"neutral","sentiment_score":0.008313467726111412}],"sentiment":"neutral","sentiment_score":-0.015062526520341634,"num_words":20,"start":175.59,"end":185.685},{"sentences":[{"text":"Yep.","start":185.685,"end":186.005,"sentiment":"neutral","sentiment_score":0.0426090806722641},{"text":"Roll it all into one and have it all working harder.","start":186.005,"end":188.58499,"sentiment":"neutral","sentiment_score":0.06792695007540962},{"text":"The hub.","start":197.14,"end":197.62,"sentiment":"neutral","sentiment_score":0.026789290830492973},{"text":"That's okay.","start":197.62,"end":198.44,"sentiment":"neutral","sentiment_score":0.09772736951708794},{"text":"We will provide you with the contributions form.","start":198.58,"end":201.16,"sentiment":"neutral","sentiment_score":0.09203045070171356}],"sentiment":"neutral","sentiment_score":0.07396176907544334,"num_words":24,"start":185.685,"end":201.16},{"sentences":[{"text":"You'll just need to give that to your your payroll, and they can organize and automatically set that up for you.","start":201.38,"end":208.295,"sentiment":"neutral","sentiment_score":0.08082638184229533},{"text":"Okay?","start":208.295,"end":208.795,"sentiment":"neutral","sentiment_score":0.031425219029188156},{"text":"Yep.","start":209.975,"end":210.475,"sentiment":"neutral","sentiment_score":0.00867691170424223},{"text":"Yeah.","start":212.935,"end":213.255,"sentiment":"neutral","sentiment_score":0.02284278534352779},{"text":"Absolutely.","start":213.255,"end":213.755,"sentiment":"neutral","sentiment_score":0.15609167516231537}],"sentiment":"neutral","sentiment_score":0.07665562439709901,"num_words":25,"start":201.38,"end":213.755},{"sentences":[{"text":"Not a problem at all.","start":214.13501,"end":215.095,"sentiment":"neutral","sentiment_score":0.12487177103757859},{"text":"I will factor that into the advice for you.","start":215.095,"end":217.515,"sentiment":"neutral","sentiment_score":0.07977237717972861},{"text":"I'll note down that you're not interested in keeping the insurances anymore.","start":218.01,"end":221.13,"sentiment":"neutral","sentiment_score":-0.08555032576744755},{"text":"You're happy to roll everything into one.","start":221.13,"end":223.23,"sentiment":"neutral","sentiment_score":0.2338976753609521},{"text":"I will factor that into the advice.","start":224.01,"end":225.93,"sentiment":"neutral","sentiment_score":0.15203809312411717}],"sentiment":"neutral","sentiment_score":0.07543141799978911,"num_words":40,"start":214.13501,"end":225.93},{"sentences":[{"text":"We'll look at how that looks over the next couple of years for you towards your retirement goals.","start":225.93,"end":230.67,"sentiment":"neutral","sentiment_score":0.16011990565392706},{"text":"And once I've got the advice document ready, we'll come back together.","start":231.345,"end":234.38501,"sentiment":"neutral","sentiment_score":0.12807758214573065},{"text":"We'll go through that so you can see it.","start":234.38501,"end":236.30501,"sentiment":"neutral","sentiment_score":0.16948731740315756},{"text":"You can then take it and show your wife and look at, you know, how that looks for the both of you, and then you can tell me what you wanna do.","start":236.30501,"end":243.265,"sentiment":"neutral","sentiment_score":0.168694362975657},{"text":"Okay?","start":243.265,"end":243.765,"sentiment":"neutral","sentiment_score":0.07250060141086578}],"sentiment":"neutral","sentiment_score":0.15854438001083004,"num_words":72,"start":225.93,"end":243.765},{"sentences":[{"text":"All good.","start":245.65001,"end":246.29001,"sentiment":"neutral","sentiment_score":0.23138156533241272},{"text":"Are you off to work shortly?","start":246.29001,"end":247.75,"sentiment":"neutral","sentiment_score":0.06390219616393249},{"text":"Yep.","start":249.41,"end":249.91,"sentiment":"neutral","sentiment_score":0.19002056121826172},{"text":"Well, you have a lovely night.","start":251.01001,"end":252.77,"sentiment":"positive","sentiment_score":0.6217301189899445},{"text":"I hope thank you so much for taking my call this afternoon.","start":252.77,"end":255.59,"sentiment":"positive","sentiment_score":0.6528607159852982}],"sentiment":"positive","sentiment_score":0.4667002286899973,"num_words":27,"start":245.65001,"end":255.59},{"sentences":[{"text":"All good.","start":257.425,"end":258.245,"sentiment":"positive","sentiment_score":0.3765665590763092},{"text":"No worries, Robert.","start":258.305,"end":259.185,"sentiment":"neutral","sentiment_score":0.1307834337155024},{"text":"I just also need to let you know the DocuSign is sitting in your email there as well.","start":259.185,"end":263.265,"sentiment":"neutral","sentiment_score":0.11168887548976475},{"text":"I'm just gonna resend it through to you so it's at the top.","start":263.265,"end":265.925,"sentiment":"neutral","sentiment_score":0.12770495047936073},{"text":"When you get a second, if you can just pop into your email there for us and sign that one, that's just the ongoing services agreement for the next twelve months as well.","start":266.065,"end":274.75998,"sentiment":"neutral","sentiment_score":0.11181549750494235}],"sentiment":"neutral","sentiment_score":0.12327476742043011,"num_words":69,"start":257.425,"end":274.75998},{"sentences":[{"text":"Okay?","start":274.82,"end":275.32,"sentiment":"neutral","sentiment_score":0.06360603868961334},{"text":"Beautiful.","start":278.58,"end":279.08,"sentiment":"positive","sentiment_score":0.3967914879322052},{"text":"Thanks thanks, Robert.","start":279.22,"end":280.58,"sentiment":"positive","sentiment_score":0.4334555466969808},{"text":"I'll get that advice updated for you as soon as possible, and we'll talk again in a couple of weeks and go through it together.","start":280.58,"end":286.28,"sentiment":"neutral","sentiment_score":0.2945865559577942},{"text":"Thank you.","start":288.70087,"end":289.42087,"sentiment":"positive","sentiment_score":0.8038064241409302}],"sentiment":"positive","sentiment_score":0.3354075285606086,"num_words":32,"start":274.82,"end":289.42087},{"sentences":[{"text":"Have a great afternoon.","start":289.42087,"end":290.48087,"sentiment":"positive","sentiment_score":0.8157466053962708},{"text":"See you later.","start":290.62088,"end":291.4409,"sentiment":"positive","sentiment_score":0.6648790637652079},{"text":"Bye.","start":292.2209,"end":292.7209,"sentiment":"neutral","sentiment_score":-0.09414654225111008}],"sentiment":"positive","sentiment_score":0.6454346338286996,"num_words":8,"start":289.42087,"end":292.7209}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hi. Not good. Not too bad. Yeah. I think we'll drop the insurances beside. Like, they're not what it's costing me per year, it's not paying out enough. Yeah. Yes. Yeah. Yeah. That's right. Yeah. But I mean, $9,000 ain't gonna cover that. Dang. Yeah. No. That's right. Yeah. I think I think we we might cancel the Australian Super. Yeah. I mean, the only thing I've gotta do is work out how to do get work to pay into Australian dealers out of super. Yep. Yeah. Yeah. Well, that's not where I think I'll go. Yeah. Alright. Alright. Yep. Very shortly. Alright. Thank you. Alright. Yep. Alright. No worries. Alright. Alright. Thank you. Alright. 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Super.","start":181.56999,"end":184.79,"sentiment":"neutral","sentiment_score":-0.09705706347118724},{"text":"Yeah.","start":187.905,"end":188.065,"sentiment":"neutral","sentiment_score":-0.07604394108057022},{"text":"I mean, the only thing I've gotta do is work out how to do get work to pay into Australian dealers out of super.","start":188.065,"end":196.645,"sentiment":"neutral","sentiment_score":-0.12840868315349022},{"text":"Yep.","start":205.2,"end":205.7,"sentiment":"neutral","sentiment_score":0.08805256336927414},{"text":"Yeah.","start":208.8,"end":209.3,"sentiment":"neutral","sentiment_score":0.011708719655871391}],"sentiment":"neutral","sentiment_score":-0.1085715461032171,"num_words":38,"start":181.56999,"end":209.3},{"sentences":[{"text":"Yeah.","start":209.76,"end":210.08,"sentiment":"neutral","sentiment_score":0.008616947568953037},{"text":"Well, that's not where I think I'll go.","start":210.08,"end":212.42,"sentiment":"neutral","sentiment_score":-0.15769202448427677},{"text":"Yeah.","start":241.175,"end":241.675,"sentiment":"neutral","sentiment_score":0.09893321990966795},{"text":"Alright.","start":244.215,"end":244.715,"sentiment":"neutral","sentiment_score":0.13580861687660217},{"text":"Alright.","start":248.215,"end":248.375,"sentiment":"neutral","sentiment_score":0.1043735146522522}],"sentiment":"neutral","sentiment_score":-0.0761503247388949,"num_words":12,"start":209.76,"end":248.375},{"sentences":[{"text":"Yep.","start":248.375,"end":248.855,"sentiment":"neutral","sentiment_score":0.1070784032344818},{"text":"Very shortly.","start":248.855,"end":249.675,"sentiment":"neutral","sentiment_score":0.1527036800980568},{"text":"Alright.","start":255.83,"end":256.33002,"sentiment":"neutral","sentiment_score":0.31766295433044434},{"text":"Thank you.","start":257.19,"end":258.01,"sentiment":"positive","sentiment_score":0.4133065342903137},{"text":"Alright.","start":275.115,"end":275.615,"sentiment":"neutral","sentiment_score":0.08888818323612213}],"sentiment":"neutral","sentiment_score":0.23509285279682704,"num_words":7,"start":248.375,"end":275.615},{"sentences":[{"text":"Yep.","start":276.155,"end":276.655,"sentiment":"neutral","sentiment_score":0.0964955985546112},{"text":"Alright.","start":277.195,"end":277.695,"sentiment":"neutral","sentiment_score":0.20670054852962497},{"text":"No worries.","start":278.715,"end":279.455,"sentiment":"neutral","sentiment_score":0.26568251848220825},{"text":"Alright.","start":286.66998,"end":287.16998,"sentiment":"neutral","sentiment_score":0.2551673352718353},{"text":"Alright.","start":287.38998,"end":287.88998,"sentiment":"positive","sentiment_score":0.3616930842399597}],"sentiment":"neutral","sentiment_score":0.24190360059340796,"num_words":6,"start":276.155,"end":287.88998},{"sentences":[{"text":"Thank you.","start":288.11,"end":288.93,"sentiment":"positive","sentiment_score":0.798503190279007},{"text":"Alright.","start":291.15,"end":291.65,"sentiment":"neutral","sentiment_score":0.26413989067077637},{"text":"Bye.","start":291.71,"end":292.21,"sentiment":"neutral","sentiment_score":0.19299861788749695}],"sentiment":"positive","sentiment_score":0.5135362222790718,"num_words":4,"start":288.11,"end":292.21}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, Robert.\n\nChannel 1: Hi.\n\nChannel 0: It's\n\nChannel 1: Not\n\nChannel 0: Dana\n\nChannel 1: good.\n\nChannel 0: from Oakley Financial. How are you this afternoon?\n\nChannel 1: Not too bad.\n\nChannel 0: That's good. I just had you booked in for a quick catch up there. The simulation to the insurance is that we went through with regards to your annual review. You were going to go back and have a chat to your wife and have a look at whether you wanted to retain those or not.\n\nChannel 1: Yeah. I think we'll drop the insurances beside. Like, they're not what it's costing me per year,\n\nChannel 0: Mhmm.\n\nChannel 1: it's not paying out enough.\n\nChannel 0: Yeah. I mean, with with the cover you have at the moment, the life cover within Australian Super, we've got 9,000 of life, 5,000 of TBD,\n\nChannel 1: Yeah.\n\nChannel 0: and the income protection is about 2,700 per month pretax. But if I have a look at your circumstances here, so you do have a bit of a mortgage. And if you look at the option of canceling the cover you have so if we\n\nChannel 1: Yes.\n\nChannel 0: go sorry. Just adding it together. So 938231 26705. So with your two super funds, if you look to consolidate them, it essentially gives you about a 120,528 in super of the total balance. Your mortgage last time we caught up, you said, was roughly about 150,000\n\nChannel 1: Yeah.\n\nChannel 0: there. So if you were to pass away without having that 9,000 of life cover, the 120 would essentially\n\nChannel 1: Yeah.\n\nChannel 0: almost pay out the mortgage completely. It would leave about 30,000 give or take. Alternatively, you know, if you were to pass away, that doesn't have to be paying out the mortgage. Essentially, you could your partner could just receive that and utilize the money to pay it down, you know, continue to pay the mortgage repayment. Obviously, building up your super and having it in one place is really good because that way, you know, more money makes more money.\n\nSo having it in one super fund can save you administration fees, investment fees, and mean you are paying less fees out of your super, which is a benefit. But\n\nChannel 1: That's right.\n\nChannel 0: the if you do choose to cancel, the other side of the risk factor is once they are canceled, if you decide you do want some cover back again, we have to reapply. It can be expensive. There can be loading, exclusions are possible to decline depending on your health. So it is harder to get the cover back once you have canceled it. In\n\nChannel 1: Yeah. But\n\nChannel 0: saying\n\nChannel 1: I mean,\n\nChannel 0: that yeah.\n\nChannel 1: $9,000 ain't gonna cover\n\nChannel 0: It's\n\nChannel 1: that.\n\nChannel 0: not much. Exactly. Yeah. Yeah.\n\nChannel 1: Dang.\n\nChannel 0: And, I mean,\n\nChannel 1: Yeah. No.\n\nChannel 0: that's $700 that's sitting that you are paying. So $724 for the premium there. So $7.24. If we multiply that by eight years, that's an extra $5,700 that you could have sitting in super working harder for you as well.\n\nChannel 1: That's right.\n\nChannel 0: Yeah. Yeah. What are you thinking? What would you like me to look at doing advice wise for you?\n\nChannel 1: Yeah. I think I think we we might cancel the Australian Super.\n\nChannel 0: Yep. Yep. Roll it all into one and have it all working\n\nChannel 1: Yeah. I\n\nChannel 0: harder.\n\nChannel 1: mean, the only thing I've gotta do is work out how to do get work to pay into Australian dealers out of super.\n\nChannel 0: The hub. That's okay. We will provide you with the contributions form. You'll just need to give that to your your payroll, and they\n\nChannel 1: Yep.\n\nChannel 0: can organize and automatically set that up for you. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Well, that's not where I think I'll go.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. I will factor that into the advice for you. I'll note down that you're not interested in keeping the insurances anymore.\n\nYou're happy to roll everything into one. I will factor that into the advice. We'll look at how that looks over the next couple of years for you towards your retirement goals. And once I've got the advice document ready, we'll come back together. We'll go through that so you can see it.\n\nYou can then take it and show your wife and look at, you know, how that looks for the both of you,\n\nChannel 1: Yeah.\n\nChannel 0: and then you can tell me what you wanna do. Okay?\n\nChannel 1: Alright.\n\nChannel 0: All good. Are you off to work shortly?\n\nChannel 1: Alright. Yep. Very shortly.\n\nChannel 0: Yep. Well, you have a lovely night. I hope thank you so much for taking my call this afternoon.\n\nChannel 1: Alright. Thank\n\nChannel 0: All\n\nChannel 1: you.\n\nChannel 0: good. No worries, Robert. I just also need to let you know the DocuSign is sitting in your email there as well. I'm just gonna resend it through to you so it's at the top. When you get a second, if you can just pop into your email there for us and sign that one, that's just the ongoing services agreement for the next twelve months as well.\n\nOkay?\n\nChannel 1: Alright. Yep. Alright.\n\nChannel 0: Beautiful.\n\nChannel 1: No worries.\n\nChannel 0: Thanks thanks, Robert. I'll get that advice updated for you as soon as possible, and we'll talk again in a couple of weeks and go through it together.\n\nChannel 1: Alright. Alright. Thank you.\n\nChannel 0: Thank you. Have a great afternoon. See you later.\n\nChannel 1: Alright. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.011986984871327875},{"text":"Hello?","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.01793307065963745}],"sentiment":"neutral","sentiment_score":0.014960027765482664,"channel":1,"num_words":2,"start":0.24,"end":3.1399999},{"sentences":[{"text":"Hi, Robert.","start":3.9199998,"end":4.48,"sentiment":"neutral","sentiment_score":0.03907819278538227}],"sentiment":"neutral","sentiment_score":0.03907819278538227,"channel":0,"num_words":2,"start":3.9199998,"end":4.48},{"sentences":[{"text":"Hi.","start":4.3199997,"end":4.64,"sentiment":"neutral","sentiment_score":0.009395420551300049}],"sentiment":"neutral","sentiment_score":0.009395420551300049,"channel":1,"num_words":1,"start":4.3199997,"end":4.64},{"sentences":[{"text":"It's","start":4.48,"end":4.72,"sentiment":"neutral","sentiment_score":-0.0670798271894455}],"sentiment":"neutral","sentiment_score":-0.0670798271894455,"channel":0,"num_words":1,"start":4.48,"end":4.72},{"sentences":[{"text":"Not","start":4.64,"end":4.88,"sentiment":"neutral","sentiment_score":-0.0950341299176216}],"sentiment":"neutral","sentiment_score":-0.0950341299176216,"channel":1,"num_words":1,"start":4.64,"end":4.88},{"sentences":[{"text":"Dana","start":4.72,"end":5.04,"sentiment":"neutral","sentiment_score":-0.07561207562685013}],"sentiment":"neutral","sentiment_score":-0.07561207562685013,"channel":0,"num_words":1,"start":4.72,"end":5.04},{"sentences":[{"text":"good.","start":4.88,"end":5.38,"sentiment":"neutral","sentiment_score":-0.05391526222229004}],"sentiment":"neutral","sentiment_score":-0.05391526222229004,"channel":1,"num_words":1,"start":4.88,"end":5.38},{"sentences":[{"text":"from Oakley Financial.","start":5.04,"end":6.16,"sentiment":"neutral","sentiment_score":0.06219990054766337},{"text":"How are you this afternoon?","start":6.16,"end":7.46,"sentiment":"neutral","sentiment_score":0.25162261724472046}],"sentiment":"neutral","sentiment_score":0.18058909848332405,"channel":0,"num_words":8,"start":5.04,"end":7.46},{"sentences":[{"text":"Not too bad.","start":8.0,"end":9.059999,"sentiment":"positive","sentiment_score":0.3693564136823018}],"sentiment":"positive","sentiment_score":0.3693564136823018,"channel":1,"num_words":3,"start":8.0,"end":9.059999},{"sentences":[{"text":"That's good.","start":9.76,"end":10.32,"sentiment":"positive","sentiment_score":0.6127389967441559},{"text":"I just had you booked in for a quick catch up there.","start":10.32,"end":12.24,"sentiment":"neutral","sentiment_score":0.25583811352650326},{"text":"The simulation to the insurance is that we went through with regards to your annual 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shortly?","start":246.29001,"end":247.75,"sentiment":"neutral","sentiment_score":0.06390219616393249}],"sentiment":"neutral","sentiment_score":0.10577203845605254,"channel":0,"num_words":8,"start":245.65001,"end":247.75},{"sentences":[{"text":"Alright.","start":248.215,"end":248.375,"sentiment":"neutral","sentiment_score":0.1043735146522522},{"text":"Yep.","start":248.375,"end":248.855,"sentiment":"neutral","sentiment_score":0.1070784032344818},{"text":"Very shortly.","start":248.855,"end":249.675,"sentiment":"neutral","sentiment_score":0.1527036800980568}],"sentiment":"neutral","sentiment_score":0.1292148195207119,"channel":1,"num_words":4,"start":248.215,"end":249.675},{"sentences":[{"text":"Yep.","start":249.41,"end":249.91,"sentiment":"neutral","sentiment_score":0.19002056121826172},{"text":"Well, you have a lovely night.","start":251.01001,"end":252.77,"sentiment":"positive","sentiment_score":0.6217301189899445},{"text":"I hope thank you so much for taking my call this 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mortgage into one super fund. The representative explains that canceling the cover will leave around 30,000 in fees and that the customer can cancel and reapply if they decide to keep the coverage. The representative also provides information on the ongoing services agreement and sends a DocuSign to the customer."},"intents":{"segments":[{"text":"Essentially, you could your partner could just receive that and utilize the money to pay it down, you know, continue to pay the mortgage repayment.","start_word":273,"end_word":297,"intents":[{"intent":"Use funds","confidence_score":0.0004220559},{"intent":"Use money","confidence_score":0.17763801},{"intent":"Use money","confidence_score":0.17454132},{"intent":"Utilize funds","confidence_score":0.06646934}]},{"text":"So having it in one super fund can save you administration fees, investment fees, and mean you are paying less fees out of your super, which is a benefit. But That's right.","start_word":321,"end_word":352,"intents":[{"intent":"Save administration fees","confidence_score":0.036255684},{"intent":"Reduce insurance cost","confidence_score":0.000881109}]},{"text":"What would you like me to look at doing advice wise for you? Yeah.","start_word":490,"end_word":503,"intents":[{"intent":"Consider advice","confidence_score":0.18793194}]},{"text":"mean, the only thing I've gotta do is work out how to do get work to pay into Australian dealers out of super.","start_word":530,"end_word":552,"intents":[{"intent":"Pay in australian super","confidence_score":0.020789335}]},{"text":"We will provide you with the contributions form.","start_word":557,"end_word":564,"intents":[{"intent":"Provide contributions form","confidence_score":0.7252413}]},{"text":"You'll just need to give that to your your payroll, and they Yep. can organize and automatically set that up for you. Okay? Yeah.","start_word":566,"end_word":589,"intents":[{"intent":"Set up payroll","confidence_score":0.12607527}]},{"text":"I will factor that into the advice for you. I'll note down that you're not interested in keeping the insurances anymore. You're happy to roll everything into one. I will factor that into the advice.","start_word":606,"end_word":640,"intents":[{"intent":"Provide advice","confidence_score":0.13840069}]},{"text":"We'll look at how that looks over the next couple of years for you towards your retirement goals.","start_word":641,"end_word":658,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.25885168}]},{"text":"Are you off to work shortly? Alright. Yep.","start_word":717,"end_word":724,"intents":[{"intent":"Work with wife","confidence_score":0.001558168}]},{"text":"I just also need to let you know the DocuSign is sitting in your email there as well. I'm just gonna resend it through to you so it's at the top. When you get a second, if you can just pop into your email there for us and sign that one, that's just the ongoing services agreement for the next twelve months as well. Okay?","start_word":754,"end_word":818,"intents":[{"intent":"Sign paperwork","confidence_score":0.00046227334}]},{"text":"I just also need to let you know the DocuSign is sitting in your email there as well. I'm just gonna resend it through to you so it's at the top. When you get a second, if you can just pop into your email there for us and sign that one, that's just the ongoing services agreement for the next twelve months as well. Okay? Alright.","start_word":754,"end_word":819,"intents":[{"intent":"Resend docusign","confidence_score":0.17856172}]},{"text":"Thanks thanks, Robert. I'll get that advice updated for you as soon as possible, and we'll talk again in a couple of weeks and go through it together.","start_word":825,"end_word":852,"intents":[{"intent":"Update advice","confidence_score":0.79733515}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Robert. Hi. It's Not Dana good. from Oakley Financial. How are you this afternoon?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.05236013233661651},{"text":"Not too bad. That's good.","start_word":17,"end_word":21,"sentiment":"positive","sentiment_score":0.5125277638435364},{"text":"I just had you booked in for a quick catch up there. The simulation to the insurance is that we went through with regards to your annual review. You were going to go back and have a chat to your wife and have a look at whether you wanted to retain those or not. Yeah. I think we'll drop the insurances beside. Like, they're not what it's costing me per year, Mhmm.","start_word":22,"end_word":93,"sentiment":"neutral","sentiment_score":0.023087378591299057},{"text":"it's not paying out enough.","start_word":94,"end_word":98,"sentiment":"negative","sentiment_score":-0.5060016512870789},{"text":"Yeah. I mean, with with the cover you have at the moment, the life cover within Australian Super, we've got 9,000 of life, 5,000 of TBD, Yeah. and the income protection is about 2,700 per month pretax. But if I have a look at your circumstances here, so you do have a bit of a mortgage. And if you look at the option of canceling the cover you have so if we Yes. go sorry. Just adding it together. So 938231 26705. So with your two super funds, if you look to consolidate them, it essentially gives you about a 120,528 in super of the total balance. Your mortgage last time we caught up, you said, was roughly about 150,000 Yeah. there. So if you were to pass away without having that 9,000 of life cover, the 120 would essentially Yeah. almost pay out the mortgage completely. It would leave about 30,000 give or take. Alternatively, you know, if you were to pass away, that doesn't have to be paying out the mortgage. Essentially, you could your partner could just receive that and utilize the money to pay it down, you know, continue to pay the mortgage repayment.","start_word":99,"end_word":296,"sentiment":"neutral","sentiment_score":0.039472877579468366},{"text":"Obviously, building up your super and having it in one place is really good because that way, you know, more money makes more money. So having it in one super fund can save you administration fees, investment fees, and mean you are paying less fees out of your super, which is a benefit.","start_word":297,"end_word":349,"sentiment":"positive","sentiment_score":0.6606314778327942},{"text":"But That's right. the if you do choose to cancel, the other side of the risk factor is once they are canceled, if you decide you do want some cover back again, we have to reapply.","start_word":350,"end_word":385,"sentiment":"neutral","sentiment_score":-0.2156575471162796},{"text":"It can be expensive. There can be loading, exclusions are possible to decline depending on your health. So it is harder to get the cover back once you have canceled it.","start_word":386,"end_word":416,"sentiment":"negative","sentiment_score":-0.3941479027271271},{"text":"In Yeah. But saying I mean, that yeah.","start_word":417,"end_word":424,"sentiment":"neutral","sentiment_score":-0.15149301290512085},{"text":"$9,000 ain't gonna cover It's that. not much.","start_word":425,"end_word":432,"sentiment":"negative","sentiment_score":-0.3659282624721527},{"text":"Exactly. Yeah. Yeah. Dang. And, I mean, Yeah. No. that's $700 that's sitting that you are paying. So $724 for the premium there. So $7.24. If we multiply that by eight years, that's an extra $5,700 that you could have sitting in super working harder for you as well. That's right. Yeah. Yeah. What are you thinking? What would you like me to look at doing advice wise for you? Yeah. I think I think we we might cancel the Australian Super. Yep. Yep. Roll it all into one and have it all working Yeah. I harder. mean, the only thing I've gotta do is work out how to do get work to pay into Australian dealers out of super. The hub. That's okay. We will provide you with the contributions form. You'll just need to give that to your your payroll, and they Yep. can organize and automatically set that up for you. Okay? Yeah. Yeah. Yep. Well, that's not where I think I'll go. Yeah. Absolutely. Not a problem at all. I will factor that into the advice for you. I'll note down that you're not interested in keeping the insurances anymore. You're happy to roll everything into one. I will factor that into the advice. We'll look at how that looks over the next couple of years for you towards your retirement goals. And once I've got the advice document ready, we'll come back together. We'll go through that so you can see it. You can then take it and show your wife and look at, you know, how that looks for the both of you, Yeah. and then you can tell me what you wanna do. Okay? Alright. All good. Are you off to work shortly? Alright. Yep. Very shortly. Yep.","start_word":433,"end_word":727,"sentiment":"neutral","sentiment_score":0.025044258772316627},{"text":"Well, you have a lovely night. I hope thank you so much for taking my call this afternoon.","start_word":728,"end_word":745,"sentiment":"positive","sentiment_score":0.6343656182289124},{"text":"Alright.","start_word":746,"end_word":746,"sentiment":"neutral","sentiment_score":0.31766295433044434},{"text":"Thank All you.","start_word":747,"end_word":749,"sentiment":"positive","sentiment_score":0.4206071197986603},{"text":"good. No worries, Robert. I just also need to let you know the DocuSign is sitting in your email there as well. I'm just gonna resend it through to you so it's at the top. When you get a second, if you can just pop into your email there for us and sign that one, that's just the ongoing services agreement for the next twelve months as well. Okay? Alright. Yep. Alright.","start_word":750,"end_word":821,"sentiment":"neutral","sentiment_score":0.12148664891719818},{"text":"Beautiful.","start_word":822,"end_word":822,"sentiment":"positive","sentiment_score":0.3967914879322052},{"text":"No worries.","start_word":823,"end_word":824,"sentiment":"neutral","sentiment_score":0.27724093198776245},{"text":"Thanks thanks, Robert.","start_word":825,"end_word":827,"sentiment":"positive","sentiment_score":0.4269541800022125},{"text":"I'll get that advice updated for you as soon as possible, and we'll talk again in a couple of weeks and go through it together. Alright.","start_word":828,"end_word":853,"sentiment":"neutral","sentiment_score":0.29452987015247345},{"text":"Alright. Thank you. Thank you. Have a great afternoon. See you later.","start_word":854,"end_word":865,"sentiment":"positive","sentiment_score":0.7051016092300415},{"text":"Alright. Bye. Bye.","start_word":866,"end_word":868,"sentiment":"neutral","sentiment_score":0.19703705608844757}],"average":{"sentiment":"neutral","sentiment_score":0.07488694508870443}}}}